The federal government shutdown nears its one-month mark, impacting communities across the country and in North Carolina. The shutdown has left thousands of federal workers on unpaid leave, and the number of people with taxpayer-subsidized health insurance is expected to increase by nearly 3.8 million by 2035 if the Affordable Care Act subsidies are extended. Meanwhile, North Carolina's rainy day fund has dipped to $3.6 billion, and the state's insurance rates are expected to increase due to the rising cost of reinsurance. Additionally, the USDA has warned that SNAP benefits will stop on November 1st, and North Carolina has filed a lawsuit against the USDA over the issue. [... more]

Many people want their investments to reflect their values and convictions, and they need guidance from financial advisors to align their finances with their faith. Research shows that 48% of investors have already connected their investments with their faith or are interested in doing so, but a gap exists between investor interest and advisor action. Financial advisors can help clients incorporate faith-based investing into their financial plans, and tools are available to screen portfolios and exclude companies that conflict with their values. [... more]

A new rule from the United States Department of Labor aims to make farm worker wages more predictable and fair, but some groups are calling for Congress to make the changes permanent to help stabilize the agricultural industry and grocery prices. [... more]

For many widows, a reverse mortgage can provide stability and dignity in their years ahead, allowing them to stay in their home with confidence. However, it's essential to understand the changes in the law and how they impact widows, as well as the importance of planning for the future, including managing debt and building an emergency fund. Additionally, navigating health insurance options can be challenging, especially for those with limited income or past health history, but there are affordable options available, such as the federal marketplace and private health insurance comparison sites. [... more]

North Carolina is preparing for the peak of the Atlantic hurricane season, with Tropical Storm Aaron forming in the Atlantic Ocean. The state's General Assembly has banned transgender surgery for minors, leading to a lawsuit that has been paused due to a recent U.S. Supreme Court decision. Meanwhile, the state is struggling with a housing shortage, with a lack of affordable homes and rising prices. The issue of education freedom and school choice is also gaining attention, with a new tax credit program being proposed to support families who want to choose alternative education options. [... more]

Understanding your rights as a property owner is crucial in navigating the complexities of homeownership. From easements and access to maintenance and encroachments, property owners must be aware of the potential issues that can arise and take proactive steps to resolve disputes and protect their interests. Estate planning is also essential in ensuring that your wishes are carried out in the event of your passing, and that your loved ones are not burdened with unnecessary complexities and costs. [... more]

Living with faith and integrity in finances brings peace, contentment, and joy. Committing to manage money God's way requires surrender, trust, and perseverance. Biblical principles guide financial decisions, and wise stewardship involves deploying God's capital into investments that align with values, solve problems, and meet needs. [... more]

Managing money is about more than just numbers and budgets, it's a window into something eternal. Biblical wisdom for your financial journey involves trusting in God and understanding the emptiness of accumulation, finding peace and fulfillment in Christ. [... more]

A new grant program, Renew NC Single Family Housing Program, is now available to homeowners and businesses in western North Carolina that suffered losses from Hurricane Helene last September. The program is the first of a series of recovery initiatives and services to help Western North Carolinians recover. Meanwhile, a federal trial is underway in Winston-Salem as it relates to congressional and state legislative maps in North Carolina, with plaintiffs arguing that some election maps violate the U.S. Constitution's ban on racial gerrymandering. Additionally, a new national analysis of DMV locations across the nation ranks Charlotte's DMV offices as some of the worst in the country, with three of the city's locations landing in the first five worst offices nationally. [... more]

North Carolina's constitutional carry debate clears a major hurdle in the House Judiciary Committee, with the legislation now on track to become the 30th state to legalize constitutional carry. Meanwhile, homeowners' insurance rates have increased by 7.5% in the state, with average rates set to rise another 7.5% next year. The state is also recovering from Hurricane Helene, with efforts underway to drive business in western North Carolina. The steel industry is facing uncertainty due to tariffs, with the US imposing a 50% tariff on most imported steel and aluminum products. [... more]

Rob West discusses various financial topics with guests, including reverse mortgages, credit scores, emergency funds, and retirement planning, all from a biblical perspective, helping listeners make informed decisions about their finances and live out their faith in their financial lives. [... more]

Foreign stocks may be poised for a comeback as the US stock market has become richly valued and foreign stocks look relatively cheap. Factors such as government spending trends, inflation, and interest rates are shifting in favor of foreign markets, making them an attractive option for investors looking to diversify their portfolios. [... more]

Living paycheck to paycheck can lead to financial stress, but creating an emergency fund and setting up a Roth IRA can provide peace of mind. Buying a new car and paying too much for a home can also be hazardous to your wealth. Understanding estate planning, including special needs trusts and ABLE accounts, can help you make wise decisions about your finances and leave a lasting legacy for your loved ones. [... more]

Using a reverse mortgage for an early inheritance can be a strategic financial planning tool, allowing homeowners to give away part of their home value while alive without risking ownership or ability to live in the home. It's essential to consider long-term health care planning, tax implications, and overall financial goals when making this decision. Additionally, protecting credit files and scores is crucial to prevent identity theft and ensure financial stability. [... more]

Dale Vermillion discusses the potential change in the real estate market, citing increased consumer confidence and decreased patience among homebuyers. He advises listeners to make wise financial decisions, considering their values and priorities, when deciding whether to take on debt or wait to cash flow a project. Rob West and Dale Vermillion also address various listener questions, including managing debt, investing in retirement, and creating an emergency fund. [... more]

When making financial decisions, incorporating biblical wisdom can provide a clear direction. However, estate planning and inheritance can be complicated, especially when it comes to property and taxation. Understanding how to navigate these complexities can help individuals make informed choices, ensuring their legacy is protected and their loved ones are taken care of. Additionally, managing retirement investments and credit scores are crucial aspects of financial stewardship, requiring careful consideration and planning. [... more]

The confirmation hearings for Pete Hegseth as Secretary of Defense are underway, with Democrats questioning his qualifications and past statements. Meanwhile, wildfires continue to ravage California, and Florida's Governor DeSantis is calling for a special session to implement Trump's immigration agenda. The Biden administration is also facing criticism for its handling of the Gaza conflict, and the Pentagon is dealing with issues related to climate change and diversity in the military. [... more]

Rob West and Kevin Cross discuss year-end tax tips, including retirement plan contributions, charitable giving, and donor-advised funds. They also touch on qualified charitable distributions and capital gains tax, providing advice on how to minimize tax liability and make the most of tax-advantaged opportunities. [... more]

When prioritizing God above all else, financial decisions reflect one's identity in Christ. A biblical worldview of money management starts with lordship, recognizing God owns everything, followed by stewardship, using money as a tool to accomplish God's purposes, and then generosity, giving breaks the grip of money over our lives. [... more]

Determining the right time to refinance your mortgage involves considering factors such as interest rates, breakeven points, and loan terms. Meanwhile, financial planning for retirement savings includes options like Roth IRAs, SEP IRAs, and health savings accounts, which can provide tax advantages and help build wealth over time. [... 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]

Considering a home purchase requires careful planning, including weighing the costs of renting versus buying, understanding the current market conditions, and evaluating one's monthly budget. It's also essential to consider the emotional aspects of homeownership, such as the sense of satisfaction and personalization that comes with owning a home. Additionally, shared ownership with family members can be a viable option for some individuals. [... more]

Home equity can be a powerful tool for retirement planning, but it's often misunderstood. Christians can use reverse mortgages to tap into their home equity, but it's essential to approach this option with caution and consider it as part of a comprehensive financial plan. By understanding the benefits and risks of reverse mortgages, Christians can make informed decisions about how to steward their wealth and achieve their financial goals. [... more]

Home equity represents a significant asset for many Christians, and understanding how to steward it wisely is crucial. Harlan Akkala discusses how biblical principles of stewardship apply to home equity, including the use of reverse mortgages. Rob West also answers listener questions on financial planning, including the great wealth transfer and Social Security benefits. [... more]

When choosing a financial advisor, consider someone who aligns with your biblical values and takes the time to explain your options. Certified Kingdom Advisors meet high standards in competence and integrity, offering biblical financial advice. Understanding insurance needs, such as auto, homeowners, health, and long-term care, is crucial, as is managing debt and creating a budget. Stewardship and money management are key to financial success, and starting with a biblical perspective can simplify the process. [... more]

The birds are coming back the daffodils are blooming and spring is in the air And what that means for homeowners is the maintenance chores we rsquo ve put off all winter now need to get done On today's Faith amp Finance Live host Rob West will have a to-do list for you that includes springtime maintenance tips Then he rsquo ll take some calls and answer various financial questions nbsp See omnystudio com listener for privacy information [... more]

Harlan Akula discusses the benefits of reverse mortgages as a planning tool for seniors, including reducing Medicare premiums, covering long term care costs, and accessing home equity to stay in their homes. He also touches on the importance of retirement planning and debt management in this season of life. [... more]

The US housing market is experiencing a shortage of large homes, making it difficult for younger generations to buy their dream houses. Baby boomers own a significant portion of large homes, and their reluctance to sell is contributing to the shortage. Analysts predict that more boomers will sell and downsize in the future, increasing inventory and making homes more affordable. [... more]

Mortgage rates are stable, with some analysts predicting a decrease in interest rates, which could lead to improved mortgage rates. Home values are expected to appreciate at a slower rate, with a 3.2% increase predicted for 2024. Inflation continues to drop, and the bond market improves, contributing to these predictions. When it comes to investment, it's essential to match the time horizon with the appropriate risk level. Tithing and giving are discussed, with options for calculating the tithe on Social Security benefits and the importance of giving cheerfully and sacrificially. [... 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]

God's word emphasizes the importance of financial justice and righteousness, warning against greed, envy, and dishonesty. Christians are called to be proactive with their investment dollars, making a meaningful difference in the world while preparing for their financial future. Financial planning and retirement planning are crucial, and understanding biblical principles can help individuals make wise decisions about their finances, including tithing and social security benefits. [... more]

Dusty Baker's decision to step away from managing the Astros has left a lasting impact on the team and the baseball world. Meanwhile, the Rangers and Diamondbacks are gearing up for the World Series, with the Rangers looking to protect their home field and the Diamondbacks seeking to rally from multiple times down. The NFL and MLB are also in the spotlight, with the NFL's Week 8 preview and the MLB's World Series matchup between the Rangers and Diamondbacks. [... more]

Real estate analysts predicted a property tax reckoning would happen this year, and it certainly did. Homeowners can challenge their property tax assessment, but it's a complex process that requires careful research and planning. Experts recommend comparing your property to similar homes in your neighborhood, gathering evidence, and filing an appeal with the assessment office. Meanwhile, individuals can take steps to manage their finances, such as investing in bonds or CDs, and creating a budget to live within their means. [... more]

Navigating the challenges of homeownership, managing credit cards, and improving credit scores requires careful financial planning. Biblical wisdom can provide valuable guidance in making informed decisions about mortgages, credit, and investments. [... more]

The story of homeowners in North Carolina who fought against the state's MAP Act, which allowed the Department of Transportation to restrict property development and use indefinitely, violating their constitutional rights to own property and receive just compensation. The homeowners, led by Paula Smith and Matthew Bryant, took the case to court, gathering support from over 90 plaintiffs, and ultimately won, with the MAP Act being overturned in 2019. [... more]

Josh Whitaker and Joe Hamer, managing partners of Whitaker and Hamer law firm, discuss various legal topics, including homeowners associations, real estate, and legal advice. They also share personal anecdotes about food delivery, fitness, and dieting. [... more]

Queen Elizabeth II's life and legacy are remembered as a symbol of stability and continuity, but her successor, King Charles III, faces a new era with challenges and promise. Meanwhile, a community in East Brooklyn, New York, has transformed itself through the Nehemiah Project, a pioneering effort in affordable housing and community development. In other news, multimedia sound artist Nikki Lindt explores the hidden universe of underground recordings, and the House of Windsor's rich history is examined in a special report. [... more]

A homeowners association sues a homeowner over a doggy snack station, sparking debate on community property rights. Meanwhile, North Carolina legalizes hemp and considers medicinal marijuana legislation, raising questions about the state's stance on cannabis. Additionally, a parent's rights bill sparks controversy, and a listener asks about their rights when a builder increases the price of a home due to material and supply chain issues. Finally, a listener wonders if they can sue a restaurant after finding a hard object in their food. [... more]

Estate planning, healthcare power of attorney, and homeowners association laws in North Carolina are discussed, including the importance of estate administration, resolving probate issues, and understanding HOA dues and real estate law. [... more]

The hosts discuss the Arbery verdict and the Giselle Maxwell trial, as well as the upcoming Supreme Court case on Roe v. Wade. They also delve into the topic of homeowners associations and foreclosure, and preview their legal movie tournament. [... more]