First-time homebuyers often face common misunderstandings around home ownership, including the cost of getting into a home, rising rent, and the fear of waiting too long. It's essential to take a clear-eyed look at the true costs of moving from renting into home ownership and to approach the transition with wisdom and patience. A home should fit one's current season of life and support responsibilities and priorities, not stretch finances or limit the ability to live and give faithfully. [... more]

Dale Vermillion shares insights on the current state of the housing market, explaining that it's a buyer's market with improving mortgage rates and increasing inventory. He advises buyers to be encouraged and take advantage of the opportunities, and cautions sellers to be prepared for a potentially slower market. Vermillion also discusses the importance of budgeting and doing a pre-approval for a mortgage, and provides guidance for first-time homebuyers and those looking to move up to a new home. [... more]

Seeking wise counsel is essential for making informed financial decisions, especially when it comes to navigating complex financial situations. By prioritizing godly counsel and biblical wisdom, individuals can make decisions that align with their values and goals, leading to greater peace of mind and financial stability. [... more]

The story of St. Nicholas, a man of selfless love and generosity, inspires reflection on the true meaning of Christmas. His life embodied the gospel message of love and generosity, and his acts of kindness pointed others to the greatest gift of all, Jesus Christ. As people exchange presents and celebrate with loved ones, they're reminded that the greatest gift has already been given, and that sharing that gift with others is what truly makes this season special. [... more]

Pastor Greg Laurie explores the story of Gideon, a humble man chosen by God to lead Israel out of oppression. Gideon's journey teaches valuable lessons about faithfulness, humility, and trusting God's perspective, revealing that God sees potential in people where they see only weakness and flaws. Through Gideon's story, Pastor Laurie emphasizes the importance of being faithful in small things and trusting God's plan, even when faced with seemingly insurmountable challenges. [... more]

Pastor Greg Laurie explores the story of Gideon, a humble and ordinary man chosen by God to lead Israel out of oppression. Gideon's journey teaches us about the importance of faithfulness, humility, and trusting God's perspective, even when we feel weak and inadequate. [... more]

Dale Vermillion shares insights on the current real estate market, including peak seasons for buying and selling homes, and how to navigate the mortgage process. He also discusses the importance of being budget-minded and prayerful when making financial decisions. Meanwhile, the hosts address questions from listeners, including one who is considering retirement and another who is wondering about the impact of the federal government's shift to electronic payments on check usage. [... more]

Kamala Harris's campaign is facing challenges as the election approaches, with Donald Trump's campaign gaining momentum. The controversy over Kamala Harris's claim of working at McDonald's has sparked debate, and Elon Musk's efforts to promote election integrity have been met with criticism from Democrats. Meanwhile, the early vote tally suggests a shift in Republican voting patterns, with enthusiasm on the right and anger on the left. [... more]

A Christian finance expert discusses the importance of understanding mortgage closing costs, permanent endowments, and stewardship in giving. He also answers listener questions on financial planning, retirement accounts, and whole life insurance. [... more]

Is it the best of times or the worst of times Well it all depends on if you're trying to buy or sell a house It really is a matter of perspective Home values remain sky-high and are likely to continue rising in the foreseeable future How you view that depends on which side of the transaction you're on Navigating the Current Housing Market Tips for First-Time Home BuyersIt may be the worst of times if you're a first-time home buyer Home values have never been higher thanks to the continued high cost of building materials inflation and low inventory [... more]

Getting out of a timeshare can be difficult, but there are several options available, including selling it, asking the resort to take it back, or using a timeshare exit company. Meanwhile, a listener asks about managing debt and investing for retirement, and another listener seeks advice on funding a supplemental retirement income for their wife. [... more]

Dale Vermilion explains the implications of the National Association of Realtors' decision to drop its standard 6% sales commission, giving buyers and sellers more negotiating power when working with agents. He also discusses retirement planning, financial goals, and the importance of having an emergency fund and investing wisely. [... more]

Pastor Greg Laurie explores the story of Gideon, a humble and ordinary man chosen by God to lead Israel against the Midianites. Gideon's journey teaches us about faith, God's perspective, and the importance of being faithful in the little things. As we look at Gideon's story, we are reminded that God uses people who are humble and willing to serve, and that He can do extraordinary things through ordinary people. [... more]

The rent versus buy debate has shifted due to high mortgage rates and low housing inventory. Experts predict interest rates will come down in 2024, making it a good time to consider buying a home. Meanwhile, first-time home buyers are being priced out of the market, and renters are facing high costs. Financial experts offer advice on managing debt, saving for a down payment, and making smart investment decisions. [... more]

Dale Vermillion discusses current home financing trends, including rising interest rates and mortgage options. He also addresses college savings and retirement planning, emphasizing the importance of prioritizing retirement savings. Additionally, Rob West provides guidance on evaluating bank stability and financial stability. [... more]

Dale Vermillion discusses the current trend of increasing interest rates and how it affects mortgage rates, home values, and the housing market. He also provides advice on saving for college and retirement, and how to evaluate the financial stability of banks. [... more]

Marriage is a sacred institution that requires commitment, forgiveness, and healing. Without a covenant, relationships can become unholy and lead to deep disappointment, hurt, and mistrust. A new heart, an honest heart, and a forgiving heart are essential for a healthy and fulfilling relationship. God's presence and intervention can bring about transformation and redemption in even the most challenging marriages. [... more]

Overspending during the holiday season can lead to financial regret, but with a spending plan and self-control, it's possible to stay on track. Emotional buying and impulse spending are common pitfalls, but recognizing the emotions driving these decisions can help individuals make wiser choices. Meanwhile, managing retirement benefits and disability benefits requires careful consideration of future legislation and personal circumstances. [... more]

Overcoming sinful financial attitudes such as envy and greed requires repentance, generosity, and a focus on gratitude. Building a financial legacy involves wise stewardship of resources, including real estate investing and charitable giving. Christian medical sharing plans can provide an alternative to traditional health insurance, and finding a trusted financial advisor is crucial for making informed decisions about one's financial future. [... more]

Christian parents should teach their children God's time-tested and true financial principles, but they shouldn't ignore the spiritual principles that accompany wise money management. Teaching kids biblical financial principles starting as early as possible is crucial, along with introducing the idea that buying things requires money, earning money, and the importance of gratitude and generosity. [... more]