Truth Network Podcasts : Credit Counselors

Podcasts

The following listen on-demand podcasts matched your search results for: Credit Counselors

Faith And Finance

Rob West

September 05, 2024

We know that our old self was crucified with him in order that the body of sin might be brought to nothing so that we would no longer be enslaved to sin - Romans Being born again in Christ changes a person We re given a new nature that fights against our old corrupt nature Sometimes the evidence of this is in the area of finances Straight ahead a journey to faithful stewardship Bobby s TestimonyIt's always a great privilege to connect with people answer their financial questions and offer help whenever possible Recently we spoke with Bobby from Nebraska [... more]

Faith And Finance

Rob West

August 15, 2024

Integrity: Applying Honesty, Strength, and Dependability to Your Financial Life

The dictionary says integrity is being honest and having strong moral principles God s Word says Better is the poor who walks in his integrity Than one perverse in his ways though he be rich Are you living with integrity in your financial dealings Understanding IntegrityIntegrity isn't just about honesty it also means strength and dependability When we say a bridge has integrity we mean it s sturdy and consistently reliable able to withstand any amount of traffic without collapsing As Christians we are called to be like that bridge representing Jesus Christ to the world by being honest strong [... more]

Faith And Finance

Rob West

August 13, 2024

Why Debt Management Is Better with Neile Simon

If you re drowning in debt and someone offers a lifeline make sure it s not really an anchor You have a few different options for paying off debt but they are definitely not all equal You have debt settlement debt consolidation and debt management Neile Simon joins us today to explain the difference Neile Simon is a Certified Credit Counselor with Christian Credit Counselors CCC an underwriter of Faith Finance Debt Consolidation A Quick Fix with Hidden DangersDebt consolidation is often seen as an attractive option because it combines multiple debts into one loan with an interest rate between [... more]

Faith And Finance

Rob West

August 02, 2024

The High Price of a Home Purchase with Dale Vermillion

Home mortgage rates haven t gone through the roof in recent weeks that s the good news The bad news is that they re already pretty high Coupled with high home values it s an uphill climb for first-time home buyers Will it get easier anytime soon Dale Vermillion joins us today to talk about it Dale Vermillion is the author of Navigating the Mortgage Maze The Simple Truth About Financing Your Home This book covers everything you need to know about securing a mortgage all from a biblical perspective Current Mortgage Rate OutlookThe rates on a -year fixed mortgage [... more]

Faith And Finance

Rob West

August 01, 2024

Why and How We Save

The Human Genome Project discovered amazing things about man s makeup What it didn t find was a saving gene In my book that means saving doesn t come naturally it s a habit we have to learn and God s Word tells us why it s so important The Reality of Financial InsecurityYou might be surprised to learn that surveys show less than half of Americans can handle an unexpected expense of Many have little or nothing in their emergency fund and when financial setbacks occur they often have to borrow usually using credit cards This situation highlights the [... more]

Faith And Finance

Rob West

July 12, 2024

Donâ€™t Carry Debt Into Retirement

Paying off debt is always a good thing but paying it off before retirement is one of the best financial moves you ll ever make It s a disturbing trend more people than ever are retiring with debt That reduces their lifestyle choices and increases the likelihood they ll have to return to work at some point Today we ll talk about carrying debt into retirement and how you can avoid it Preparing for a Debt-Free Retirement A Practical GuideAccording to the Federal Reserve's Survey of Consumer Finances of people aged to are in debt up from years ago This [... more]

Faith And Finance

Rob West

June 24, 2024

3 Myths About Wealth That Christians Believe with Rachel Mcdonough

Myths can be persistent things For a long time people thought the world was flat The investing world has its share of myths that persist to this day Rachel McDonough joins us today to go over myths about wealth that many Christians believe but shouldn t Rachel McDonough is a Certified Financial Planner CFP a Certified Kingdom Advisor CKA and a regular Faith Finance contributor Flat Earth and Financial MythsWhen your core assumptions are wrong your strategy becomes useless Imagine planning a voyage worldwide while believing it's flat you'd never reach your destination accurately Similarly in finance myths perpetuated by [... more]

Faith And Finance

Rob West

June 13, 2024

Financial Plans and Godâ€™s Will

We all want our plans to succeed but what does the Lord want Are you and God on the same page regarding your financial plans Today we ll discuss achieving your financial goals and doing God s will As avid planners we know that having a plan is the best way to meet your financial goals or any goals for that matter But how do you ensure your plans align with God s will for your life As Christians we believe that Jesus plans are the best and the Bible supports this in Proverbs Many are the plans in the [... more]

Faith And Finance

Rob West

May 30, 2024

Worrying About the Financial Future

The data shows that personal debt is rising and folks are worried about their financial future So what rsquo s the solution On today's Faith amp Finance Live Neile Simon will join Rob West to talk about the solution to fretting over finances Then Rob will answer your calls on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

May 30, 2024

Worrying About The Financial Future With Neile Simon

The data shows that personal debt is rising and folks are worried about their financial future So what s the solution We can t control some things like inflation and a slowing economy But we can do some things especially when managing and eliminating debt Neile Simon joins us today to discuss the solution to fretting over finances Neile Simon is a Certified Credit Counselor with Christian Credit Counselors CCC an underwriter of Faith Finance Understanding The Financial StormWith credit card debt at an all-time high the GDP falling and a disappointing jobs report it s a perfect storm for [... more]

Faith And Finance

Rob West

May 24, 2024

For Where Your Treasure Is With Chad Clark

Are you storing up treasures on earth or in heaven Are you focused on the temporal or the eternal In Matthew Jesus clarifies that our hearts will always follow after what we treasure Was he talking about money Chad Clark shares his insights with us today Chad Clark is the Executive Director of FaithFi Faith Finance What does Jesus mean when he says For where your treasure is your heart will be also It challenges us to evaluate what we treasure most It's common for us to say that where our money is there our hearts will be and we [... more]

Faith And Finance

Rob West

May 01, 2024

Debt Repayment Or Giving? With Ron Blue

Malachi says Bring the full tithe into the storehouse that there may be food in my house And thereby put me to the test says the Lord of hosts if I will not open the windows of heaven for you and pour down for you a blessing until there is no more need God isn't just telling us to test Him with our giving He's challenging us to test Him Do it and see what I will do Why do you think many Christians are reluctant to do this Many Christians are reluctant to test God with their finances because [... more]

Faith And Finance

Rob West

April 25, 2024

Managing Chronic Financial Anxiety With Steve Cuss

The Playbook for Chronic AnxietyIt's generated by assumptions expectations false beliefs and false needs So if we can uncover false needs we can learn to die to them and relax into God's sovereignty This is a compelling way to grow in our relationship with faith We can use our anxiety triggers to open our souls up to God's presence What is an assumption you hold about yourself that's unreasonable If you're a perfectionist almost every assumption you hold about yourself is unreasonable Think about it When was the last time you looked at your work and said That was well [... more]

Faith And Finance

Rob West

April 05, 2024

How Much Is Enough?

So how much is enough for Christians If you're just starting out or struggling financially How much is enough might seem like a silly question The bottom line for you is that you just need more money at the moment Why should you think about how much is enough when you hardly have anything And what if you're at the other end of things If you're approaching retirement you might be thinking about the size of your nest egg But why put a limit on accumulating money and possessions Based on these two examples the definition of enough seems to [... more]

Faith And Finance

Rob West

March 29, 2024

Good Friday Reflections

It's appropriate during this Easter season to reflect on the big picture of our Christian faith Sometimes we just have our noses to the grindstone so to speak and we can lose sight of why we're here and how much God has done for us You know whether you're in a season of prosperity or facing hardships you have to remember that God is still on the throne and that your circumstances haven't caught Him by surprise His plan for the redemption of humankind is still on track The Significance of Jesus' SacrificeOf course on Easter Sunday Christians everywhere will [... more]

Faith And Finance

Rob West

March 28, 2024

When To Take Social Security With Eddie Holland

What should folks consider when making this decision People should consider the following when deciding when to take Social Security benefits Understanding that if they take benefits before full retirement age they will be subject to a reductionDelaying past full retirement age means receiving an annual increase of called a delayed retirement creditCash flow needs if retiring and replacing incomePaying down debtIncreasing charitable givingHealth and longevity in the family impacting how long benefits may need to last Legacy goals and inheritance as Social Security benefits can't typically be passed on while portfolio assets can beIncome taxes as Social Security could [... more]

Faith And Finance

Rob West

March 26, 2024

Facing Financial Disappointment

Disappointment is inevitable but discouragement is a choice People love to look into the future We all have hopes and dreams and expectations about what we want our life to be So we make plans Plans to save serve build a family work travel learn grow you name it Planning is part of what it takes to make our dreams come true And there's nothing wrong with planning Planning is an important part of being a good steward of whatever God has entrusted to you But here's the problem Our plans don't always succeed Dreams fail Expectations go unmet And [... more]

Faith And Finance

Rob West

March 01, 2024

Finding Victory in Uncertain Circumstances

FINDING PEACE IN UNCERTAIN TIMESNavigating Financial Uncertainty In today's world uncertainty abounds especially in financial matters like home-buying career changes and retirement This uncertainty often leads to worry and sleepless nights Guidance from Scripture Drawing from Psalm we find reassurance that God's Word illuminates our path preventing us from stumbling in the darkness of uncertainty Casting Anxiety on God First Peter - reminds us that God cares for us deeply encouraging us to cast all our anxieties on Him through humble submission FOUR STEPS TO CONQUERING ANXIETYStep One Rejoice in the Lord Philippians instructs us to rejoice always recognizing that [... more]

Faith And Finance

Rob West

February 29, 2024

Why Choose Faith-Based Financial Solutions?

Matthew Well done good and faithful servant You have been faithful over a little I will set you over much Enter into the joy of your master HONORING GOD THROUGH FINANCIAL STEWARDSHIPInspiring Words We all aspire to hear the commendation found in Matthew and to be found faithful as stewards in all aspects of life including finances Biblical Foundation Our financial decisions are rooted in Scripture with Deuteronomy reminding us that all wealth comes from God and Psalm - affirming His ownership over everything including us Glorifying God The Bible teaches us to honor God in all that we do [... more]

Faith And Finance

Rob West

February 13, 2024

Helping the Kids Buy a House

LENDING MONEY TO CHILDREN FOR A HOUSE PURCHASE Rob discusses the reasons parents might consider lending money to their children for a house purchase such as reducing the interest the child must pay and helping if the child does not qualify for a mortgage due to debt-to-income ratio issues or insufficient credit history He emphasizes the importance of understanding the implications of lending versus gifting money the potential risks involved and ensuring any loan is legally documented Parents may lend to their children to save them from high interest rates or if they're unable to secure a loan due to [... more]

Faith And Finance

Rob West

February 12, 2024

The Best Investment I’ve Ever Made With Rachel McDonough

I tell you use worldly wealth to make friends for yourselves so that when it is gone they will welcome you into eternal dwellings Luke Rachel McDonough is a Certified Financial Planner a CertifiedKingdom Advisor and a regular FaithFi contributor WHAT IS THE BEST INVESTMENT YOU EVER MADE ACCORDING TO RACHEL MCDONOUGH Rachel recounts a story of investing not in stocks or bonds but in a person's life with a simple act of kindness She met a woman who identified herself as a witch and was initially very hostile With just Rachel and her friends paid for the woman's phone [... more]

MoneyWise

Rob West and Steve Moore

February 08, 2024

Giving As an Act of Trust

God makes certain promises about giving to encourage us to be generous and to trust Him without fear On today's Faith amp Finance Live host Rob West will welcome Art Rainer to talk about the power of the promises God has made to us and how our giving can be an act of trusting Him to fulfill His promises Then Rob will answer your questions on different financial topics nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

February 06, 2024

The Housing Market: Rent or Buy?

IMPACT OF COVID ON HOUSING MARKET AND RENT VS BUY DEBATEThere's no question that we're still feeling the impact of the COVID pandemic The COVID pandemic significantly disrupted the housing market increasing home prices and rental rates making it challenging for first-time home buyers Also during that time rental rates also skyrocketed In the age-old debate rent vs buy things have shifted CURRENT HOUSING MARKET CONDITIONS Skyhigh mortgage payments On average new mortgage payments are now higher than apartment rents the largest gap in years according to CBRE Low first-time home buyer activity Only of buyers were first-timers in the [... more]

MoneyWise

Rob West and Steve Moore

February 05, 2024

3 Tips for Financial Wellness

Financial wellness doesn rsquo t happen all by itself It rsquo s something you have to take positive steps to ensure On the next Faith amp Finance Live host Rob West will talk to Neile Simon who rsquo ll share some great tips you can use to achieve financial wellness Then Rob will answer your calls and various financial questions nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

February 05, 2024

3 Tips for Financial Wellness With Neile Simon

Neile Simon is a Certified Credit Counselor with Christian Credit Counselors and underwriter of this program WHAT ARE SOME TRIED AND TRUE WAYS TO AVOID DEBT AND PROMOTE FINANCIAL WELLNESS Neile Simon from Christian Credit Counselors shares key strategies to manage finances effectively emphasizing the importance of budgeting reducing debt and saving for emergencies Creating or updating a budget is crucial Most Americans need to revisit their budgets especially to adjust for inflation Your budget should track major expenses such as housing food transportation and more It's also wise to review and possibly reduce subscriptions to entertainment services by examining [... more]

Faith And Finance

Rob West

February 02, 2024

Banking On Eternal Rewards With Aaron Caid

Aaron Caid joins us again today Aaron's the Chief Marketing Officer at Christian Community Credit Union an underwriter of this program INTEGRATING STEWARDSHIP INTO DAILY LIVING HOW CAN CHRISTIANS PRACTICALLY APPLY THE CONCEPT OF STEWARDSHIP IN THEIR DAILY LIVESRecent research showed that while Christians understand the concept of stewardship they often struggle with practical application in daily life Over of surveyed Christians believe applying stewardship principles positively impacts their lives Many expressed a desire to learn basic stewardship principles and how to use financial blessings in a God-honoring way THE IMPACT OF CHRISTIAN COMMUNITY CREDIT UNION CCCU ON MINISTRIES LIKE [... more]

Faith And Finance

Rob West

January 30, 2024

Private Market Investing With Tim Macready

Tim Macready is head of Global Multi-Asset Investing with BrightLight an EverSource Wealth Advisors Team HOW DID YOU BECOME INTERESTED IN AND A LEADER IN THE FAITH-BASED INVESTING MOVEMENT Tim grew up on the mission field and returned to Australia for studies initially working with pension plans His desire to do something meaningful led him to a faith-based pension fund in Sydney For years he has explored what it means to be a faithful steward of God's resources now working with pension funds investment advisors and families at the intersection of faith and investing CAN YOU EXPLAIN THE DIFFERENCE BETWEEN [... more]

Faith And Finance

Rob West

January 26, 2024

The Futility of Fear

SCRIPTURES ON FEAR AND GOD'S PRESENCE Jesus asks a powerful question about worry in Matthew asking Can any one of you by worrying add a single hour to your life Romans encourages reliance on God instead of falling back into fear For you did not receive the spirit of slavery to fall back into fear but you have received the Spirit of adoption as sons by whom we cry 'Abba Father ' Faith is the opposite of fear and fear is a tool used by Satan to distract from God's goodness COMMON WHAT-IF FEARS AND THEIR FUTILITY Rob lists common [... more]

Faith And Finance

Rob West

January 25, 2024

Missed Open Enrollment, No Problem With Lauren Gajdek

Lauren Gajdek is Vice President of Communications and Media at Christian Healthcare Ministries an underwriter of this program WHY IS CHRISTIAN HEALTHCARE MINISTRIES A LIFESAVER FOR THOSE WHO MISSED THE OPEN ENROLLMENT DEADLINE Lauren explains that Christian Healthcare Ministries CHM operates differently from traditional insurance companies allowing people to join at any time of the year without waiting for an open enrollment season This flexibility makes CHM accessible for those who have missed enrollment deadlines CHM allows joining anytime It operates on a biblical concept of sharing resources among members CHM has shared over billion in members' medical bills demonstrating [... more]

Faith And Finance

Rob West

January 22, 2024

Act Your Wage With Howard Dayton

Commit your work to the Lord and your plans will be established Proverbs Howard Dayton is the founder of Compass Finances God's Way and the former host of this program HOW DOES A SPENDING PLAN HELP WITH MANAGING YOUR MONEY AND REDUCING YOUR DEBT Howard founder of Compass Finances God's Way introduces the concept of a spending plan budget He explains that a spending plan is not just about restricting expenses but is a strategic tool that helps direct money towards achieving life goals and reducing debt The plan also controls impulse spending and is flexible enough to adjust as [... more]

Faith And Finance

Rob West

January 11, 2024

5 Signs You May Need a Certified Christian Financial Counselor With Art Rainer

Art Rainer is Director of the Institute for Christian Financial Health which administers the Certified Christian Financial Counselor program WHAT DO CHRISTIAN FINANCIAL COUNSELORS DO Christian financial counselors aim to integrate God's design into financial decisions They guide individuals and couples through making wise financial choices establishing healthy financial habits and increasing biblical and financial literacy They help you understand and pursue God's design for money They guide you in wise decision-making and developing sound financial habits They increase your understanding of both biblical and financial principles WHO NEEDS A CHRISTIAN FINANCIAL COUNSELOR We actually have a list of signs [... more]

Faith And Finance

Rob West

January 03, 2024

Bad Credit Is Expensive

GOD'S WORD ON PAYING DEBTS Proverbs emphasizes the importance of paying back debts on time Do not withhold good from those to whom it is due when it is in your power to do it DEFINING GOOD CREDIT SCORES FICO scores range from to with a good score between and A very good score is between and and excellent is to Higher credit scores result in better interest rate offers from lenders IMPACT OF CREDIT SCORE ON LOANS AND INTEREST RATES A higher credit score can significantly reduce interest rates on mortgages personal loans and credit cards Example Raising a [... more]

Faith And Finance

Rob West

January 02, 2024

A New Perspective for the New Year with Chad Clark

WHAT HAVE YOU LEARNED FROM YEARS OF EXPERIENCE IN BUDGETING SOFTWARE DEVELOPMENT Perspective is key in creating and adhering to a budget Budgeting is often viewed as a necessary but challenging task similar to a diet Success in budgeting hinges on understanding the 'why' behind it Differentiating between your financial goals what you want to do and the underlying reasons why you're doing it is crucial AS BELIEVERS WHAT SHOULD OUR 'WHY' BE IN BUDGETING Our 'why' should align with scriptural teachings recognizing God's ownership over everything Believers should form their own 'why' statements reflecting a commitment to stewardship based [... more]

Faith And Finance

Rob West

December 27, 2023

3 Steps To Ease Marriage Tension

The following is an encore presentation from Shaunti Feldhahn is a relationship expert and the author of several very helpful books about marriage including Thriving in Love and Money There's a saying about marriage When money troubles come in the door love goes out the window But Shaunti has steps for couples to keep that from happening STEPS TO ERASE TO AVOID FINANCIAL TENSION IN YOUR MARRIAGE ENSURE MARGIN Make sure you have a cushion some margin in your budget and finances The Feldhahns conducted a three-year study involving a couple-thousand people They found that no matter the income level [... more]

Faith And Finance

Rob West

December 13, 2023

Financial Discipleship For Families With Brian Holtz Pt. 2

Brian Holtz joins us again today He is the Chief Operating Officer at Compass Finances God's Way He's also the author of Financial Discipleship for Families Intentionally Raising Faithful Children HOW DO YOU RAISE FAITHFUL CHILDREN AS FINANCIAL DISCIPLES A financial disciple learns and applies Jesus' teachings about money and possessions and also shares this knowledge with others Parents should instill in their children the understanding that everything belongs to God as stated in Chronicles and Psalm It's crucial to teach children about stewardship and faithful management of resources following God's goals rather than personal ambitions WHAT ARE THE FIVE [... more]

Faith And Finance

Rob West

November 22, 2023

Lowering Energy Costs at Home this Winter

ENERGY-SAVING TIPS Ceiling Fans Reverse ceiling fan direction clockwise in winter to circulate warm air from the ceiling Conserve Electricity Unplug electronic devices when not in use Use power strips to easily cut off power to multiple devices Chargers Unplug device chargers when not in use to prevent unnecessary energy draw Home Maintenance Seal drafty doors and windows Install foam gaskets behind switches and outlets on exterior walls for better insulation Ensure proper attic insulation Regularly check heating and air system filters Thermostat Setting Keep at degrees when the heat is on Utilize Sunlight Open shades during the day for [... more]

Faith And Finance

Rob West

November 18, 2023

Leveraging Financial Accountability

Every good gift and every perfect gift is from above coming down from the Father of lights with whom there is no variation or shadow due to change James Ken Boa is a pastor and founder of Reflections Ministries Russ Crosson is executive vice president and chief mission officer of Ronald Blue Trust This is the second of our interviews about a book they co-authored titled Leverage Using Temporal Wealth for Eternal Gain WHAT IS BIBLICAL LEVERAGE AND IS GIVING TO CHURCH AND MINISTRIES CONSIDERED BIBLICAL LEVERAGE Biblical leverage is the concept of using one's financial resources in ways that [... more]

MoneyWise

Rob West and Steve Moore

November 13, 2023

Perfect Storm for Debt

A perfect storm may be coming that could make this Christmas shopping season not enjoyable at all for people with student loan debt On today's Faith amp Finance Live host Rob West welcomes Neile Simon to share details about a perfect storm that is brewing for debt Then Rob will answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

November 13, 2023

Perfect Storm for Debt

Perfect Storm for Debt With Neile SimonA perfect storm may be coming that could make this Christmas shopping season difficult for folks with student loan debt Neile Simon joins us today with the details today on Faith and Finance Neile Simon is a Certified Credit Counselor with Christian Credit Counselors an underwriter of this program Neile has been following events that affect consumer debt and she's here today with another report CONSUMER DEBT AND ITS IMPACTS Neile explains the resumption of student loan payments in October after a three-year forbearance highlighting the collective federal student loan debt at trillion affecting [... more]

Faith And Finance

Rob West

November 09, 2023

Christian Financial Planner Update with Kurt Cornfield

Do you like helping people get their finances in order Maybe you have a gift for numbers A while back we broke the news about a whole new career field that's opening up the Christian Financial Planner Kurt Cornfield is here today to give us an update Kurt Cornfield is Associate Professor of Financial Planning at Liberty University He's also a Certified Financial Planner and a Certified Kingdom Advisor WHAT IS THE CHRISTIAN FINANCIAL PLANNER PROGRAM Seven Christian universities that have offered certified financial planner CFP programs are adding certified kingdom adviser content So students are learning what the Bible [... more]

Faith And Finance

Rob West

November 06, 2023

Leveraging Financial Accountability with Ken Boa and Russ Crosson

Faith And Finance

Rob West

October 24, 2023

Leverage Your Expertise

We want to give a shout out to Ken Boa and Russ Crosson for their book Leverage Using Temporal Wealth for Eternal Gain It's a blueprint for how we can take the Bible's financial principles and put them into practice for God's Kingdom In other words taking something that's temporary and making it eternal Again leveraging our finances to advance the Kingdom is extremely important but we must also acknowledge that God gives us many gifts including time talent and experience We need to look for ways to use them for the Kingdom as well if we're to be truly [... more]

Faith And Finance

Rob West

October 20, 2023

Financial Milestone Birthdays

Whether you prefer to ignore your natal day or you still celebrate with gusto every year there are a few birthdays we all need to recognize We're referring to the birthdays with financial implications HERE'S OUR LIST OF FINANCIALLY IMPORTANT BIRTHDAYS Day One Newborns can be registered for Social Security immediately Childhood At age one can get a learner's permit which affects parents' insurance rates It's advised to research and shop around for auto coverage Age This is the legal age of adulthood Key actions include registering to vote potential military service registration and self-medical decision making Parents are advised [... more]

Faith And Finance

Rob West

October 11, 2023

3 Objectives for Successful Investing

Objectives for Successful Investing th century humorist Will Rogers once said I'm not so much interested in the return on my money as I am in the return of my money It's a funny line but also something every investor should keep in mind What are the objectives you should consider when risking your money We'll give you three of them today on Faith and Finance Here are Objectives for Successful Investing UNDERSTANDING INVESTING OBJECTIVES Rob West clarifies the difference between an objective and a goal emphasizing the significance of objectives in the investment journey There are three main objectives [... more]

Faith And Finance

Rob West

October 02, 2023

5 Types of Loans To Avoid With Howard Dayton

Howard Dayton is the founder of Compass Finances God's Way and the former host of this program - WHAT'S THE FIRST LOAN TYPE WE SHOULD AVOID Finance Company loans High interest rates large fees and closing costs Important to differentiate between interest rate and the APR as the latter includes additional costs - AND THE SECOND Payday loans Viewed as legalized robbery Typically have an APR of Creates a cycle of borrowing due to high interest rates with borrowers often giving away their entire paycheck to cover the loan - WHAT'S THE THIRD LOAN TYPE Pawnshop loans Short-term loans based [... more]

Faith And Finance

Rob West

September 08, 2023

Small Business by the Book

The past few years haven't been easy for small businesses in the U S The pandemic threw the supply chain the workforce and the economy into chaos forcing many small companies to close their doors and sending workers home by the millions But small business owners are nothing if not resourceful and many of you have pivoted into the new realities with determination and creativity Of course as Christians in business we are called to a higher standard Colossians says Whatever you do work heartily as for the Lord and not for men knowing that from the Lord you will [... more]

MoneyWise

Rob West and Steve Moore

September 05, 2023

The Bible on Work

Labor Day is a great day to pause and reflect on one of God rsquo s most important financial principles mdash working for a living On today's Faith amp Finance Live host Rob West will take us on a deep dive into the scriptures to learn God rsquo s view of work and help us discover there rsquo s more to it than we might think Then Rob will answer some questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

September 01, 2023

Financial Plans and God’s Will

As you know we're big fans of planning That's because having a plan is the best way to meet your financial goals or any goals for that matter The question is how to make sure your plans line up with God's will for your life That's important because if you're a Christian and Jesus is your Lord you know his plans are the best In fact it says in Proverbs that Many are the plans in the mind of a man but it is the purpose of the Lord that will succeed The purpose of the Lord will succeed so [... more]

Faith And Finance

Rob West

August 29, 2023

Dependence on God Builds a Firm Financial Foundation

In Matthew Chapter Jesus tells the parable of two builders a foolish one and a wise one The wise builder builds his house on a rock and the storm can't destroy it but the foolish builder builds his house on the sand and when a storm comes it all gets blown away Jesus tells his disciples that everyone who hears these words of mine and puts them into practice is like the wise builder As with all of Jesus's parables there's an underlying message for us here about God's kingdom and how we should live This parable about the wise [... more]

MoneyWise

Rob West and Steve Moore

August 28, 2023

Record Credit Card Debt

Americans recently set a new record But sadly there won't be any trophies handed out for this one because we've now achieved the highest level of credit card debt in history On today's Faith amp Finance Live host Rob West will welcome Neile Simon to break down the numbers related to this brewing crisis Then Rob will answer your questions on various financial topics See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

August 28, 2023

Record Credit Card Debt With Neile Simon

THE TROUBLING NUMBERSFor the first time credit card debt has surpassed trillion and is now at trillion In the second quarter alone it shot up billion or Now compare these numbers to the overall household debt which spiked by trillion since the end of before the pandemic Household debt includes credit card debt mortgages student loans and car notes And credit card debt is now almost of the average household debt That is very concerning when you think about how expensive a car or a home is People are really drowning in debt because of these higher interest rates and [... more]

Faith And Finance

Rob West

August 18, 2023

Is Your Bank Unbiblical? With Aaron Caid

Aaron Caid is our go-to guy for what's happening in the banking industry He's the Chief Marketing Officer at Christian Community Credit Union an underwriter of this program Aaron says we are starting to see what could be the next big exodus for Christians in the marketplace today and that is Christians choosing to bank with their values CCCU has been hearing from new members who have joined the credit union after becoming fed up with their secular bank So they decided to go out and find out if this feedback was more than just anecdotal They surveyed over professed [... more]

Faith And Finance

Rob West

August 17, 2023

Your Money Priorities

James and Come now you who say 'We will go into such and such a town and trade and make a profit' yet you do not know what tomorrow will bring A lot of folks are feeling uneasy about the future How many more interest rate hikes can the economy take before sliding into recession And what about the rollercoaster stock market Well if you don't know what the future holds it just means you should prepare and set certain priorities for managing your money We'll share some of them now Not all will apply to you but there's probably [... more]

MoneyWise

Rob West and Steve Moore

August 14, 2023

Prayer and Money

God rsquo s word commands us to pray about everything mdash and that includes money At the same time God is not an ATM machine So how should we pray about financial things On today's Faith amp Finance Live host Rob West will talk about prayer and money Then he rsquo ll answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Faith And Finance

Rob West

August 10, 2023

Avoiding Student Debt With Art Rainer

Going to college is a huge financial decision A verse to keep in mind is Proverbs which tells us The rich rule over the poor and the borrower is the slave of the lender That should guide your decision process because it's so easy to borrow and run up tens of thousands of dollars in debt that will take you decades to pay back In his book Art Rainer lists four ways to minimize debt WAYS TO MINIMIZE DEBTStart saving nowTake college level of AP courses nowExplore scholarships and grantsBe willing to work while in schoolWe're not saying those things [... more]

Faith And Finance

Rob West

July 31, 2023

Managing Money Tensions in Marriage

MONEY ISN'T THE PROBLEMAsk any couple what causes the most stress in their marriage and they'll probably say money However the problem isn't usually money itself or even lack of money No financial tension in a marriage more often springs from bad attitudes unrealistic expectations and wrong assumptions about how to handle money Part of the problem is that everything has a money angle Most of our plans desires hopes and dreams involve some kind of financial activity That means you're constantly facing emotional questions about how to spend save borrow earn and give your money And chances are you [... more]

Faith And Finance

Rob West

July 24, 2023

Whole Life Stewardship

Whole Life StewardshipGenesis says And God said to them 'Be fruitful and multiply and fill the earth and subdue it and have dominion over the fish of the sea and over the birds of the heavens and over every living thing that moves on the earth ' That verse presents what's often called the creation or cultural mandate which in turn is the foundation of whole life stewardship We'll talk about those ideas today on Faith and Finance THE CULTURAL MANDATESo what exactly is the cultural mandate It's the very first set of orders given to man in the Garden [... more]

Faith And Finance

Rob West

July 21, 2023

3 Principles of Stewardship

PRINCIPLES OF STEWARDSHIPOWNERSHIP The first principle we must understand about stewardship is ownership God owns everything And Scripture is very clear about this Psalm and reads The earth is the Lord's and the fullness thereof the world and those who dwell therein for he has founded it upon the seas and established it upon the rivers And in Deuteronomy Behold to the Lord your God belong heaven and the heaven of heavens the earth with all that is in it And finally Psalm For every beast of the forest is mine the cattle on a thousand hills Now that we've [... more]

MoneyWise

Rob West and Steve Moore

May 25, 2023

Rising Credit Card Interest Rates

If you rsquo re carrying a balance on a credit card do you know how much you rsquo re paying in interest Here rsquo s a hint mdash it rsquo s a lot more than you were last year On today's Faith amp Finance Live host Rob West will talk with Neile Simon about how you can fight back against rising credit card interest rates Then Rob will answer your calls on various financial topics nbsp See omnystudio com listener for privacy information [... more]

MoneyWise

Rob West and Steve Moore

February 10, 2023

Help for Credit Card Debt

Credit card debt fell sharply during the COVID shutdowns But unfortunately it rsquo s becoming a big problem once again On today's Faith amp Finance Live host Rob West will talk with Neile Simon of Christian Credit Counselors about how you can get help managing your credit card debt Then Rob will answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]