• 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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 company-matched 401(k)?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 mentioned Stroke.org)
• "How do I collect a large business debt from someone who's not a believer and seems unwilling to pay?"
• "Is there a guideline for how much to put in a company-matched 401(k)?"

Mentioned on today's program was the 'Financial Stewardship Bible'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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)?
• Are IRS tax advocates a good resource for tax law guidance?

Learn more about Fred Bumpas by visiting FredBumpassCPA.com.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 mentioned SoundMindInvesting.com)
• "What can I do about a harassing debt collector?" (Howard recommended FTC.gov)
• "How do I determine how much mortgage payment I can afford?"
• "How do we decide on the best way to use an inheritance?"

Mentioned on today's program was the Compass Map and the companion book, ' Your Money Map' (also available on CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 I am receiving child support - how do I determine my tithe?"
• "Can you help us find ways to chip away at our debt?"

Mentioned on today's program were two books by Howard: 'Money and Marriage God's Way' (also available on CD) and ' Your Money Map' (also available on CD).  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 mentioned StudentAid.gov)

Mentioned on today's program were several helpful websites: AnnualCreditReport.com,CreditKarma.com and SoundMindInvesting.com, as well as the Compass Calculators.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 pay off credit card debt, but my spouse doesn't want to do that. What should we do?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 between now and retirement?"
• "A job loss has created serious debt problems that keep getting worse - how do I handle this?" (HD recommended Mint.com)
• "I co-signed on some college loans for my daughter and now we're both without jobs and cannot pay - how do I keep from losing my house?"

Mentioned on today's program was Howard's book, 'Your Money Counts', as well as the Compass Map and Compass Coaches.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 on today's program was the Compass small group study, 'Set Your House in Order'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "Should we avoid investing in companies that may not share our biblical values?"
• "What are our funding options for buying a new home?"
• "Is a HELOC tax deductible?"
• "Is it okay to gamble, if it's just on occasion?"
• "What online budgeting system do you recommend?" (Howard mentioned Mint.com)

Mentioned also on today's program was Howard's book, 'Your Money Counts', as well as the Compass 'Collegiate Study' and Compass Coaches.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 stock mutual fund?"
• "What's the difference 'preferred' stocks and 'common' stocks?"
• "If a company goes bankrupt, what happens to the stock?"

Mentioned on today's program was the "Sound Mind Investing Handbook". Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• I love my job and have a great situation, but I've been offered more money elsewhere. What should I do?
• Is a home-based EBAY business a good business for a Christian woman?
• I would like to start a web based business. I've had offers and am wondering if they're legitimate.
• Can you please explain the parable of the talents?
• I'm a recent widow. Never handled finances up until now. How should manage the money I have for retirement?
• I've been a cash-only person, but want to work toward buying a home. How do I build my credit?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• How can we go about refinancing a commercial property?
• What can I do to build my credit?
• Is it okay to pay off debts according to interest rate instead of smallest-to-largest balance?
• Would it be wise to take part of my pay in the form of company stock?
• We don't have quite enough income. What can we do to get ahead?

Mentioned on today's program was the 'Sound Mind Investing Handbook' and a report on the SMI website, titled, 'Making the Most of Your College Savings program'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "We've opened a '529 Plan' for our children's college education, but are now having second thoughts - what are our options?" (Howard recommended checking outKingdomAdvisors.org and EverydaySteward.com)
• "How can I make my 401(k) more profitable?"
• "Do you think we have our retirement funds spread out properly?"

Mentioned on today's program was the 'Sound Mind Investing Handbook' and a report on the SMI website, titled, 'Making the Most of Your College Savings program'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "How can I tell if I'm getting enough return on my retirement investment account?" (Howard recommended checking out SoundMindInvesting.com)
• "When is it okay to borrow to expand your business?"
• "Should we follow through with a financial pledge to a church that is making decisions that seem to be unwise?"
• "Is it worth pulling money out of my Roth IRA to make a larger house downpayment?"
• "Can you recommend a good book on Christian business principles?" (Howard recommended 'Business By the Book' by Larry Burkett)
• "Would it make sense to cash out a 'whole life' insurance policy to create an emergency fund?"

Mentioned on today's program were several books for children and teens: 'The New Bicycle', 'The Secret of Handling Money God's Way' and "The ABC's of Handling Money God's Way'.  Also mentioned was the 'Compass Spending Plan' and the 'Compass Map'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "My parents took out a student loan in my name and have really hurt my credit score - how can I repair things?"
• "How do I re-finance a high-interest auto loan?"
• "How far do I go in helping a family member who's out of work without hurting myself?"
• "I'm a widow and debt-free, planning to go into missions - should I sell my home or keep it and rent it out?"

Mentioned on today's program was Howard's book, 'Free and Clear'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 out Edmunds.com)
• "Will marking out the Social Security number on my Medicare card (for security reasons) create problems for me?"
• "Is bankruptcy biblically permissible?"
• "What credit reporting agencies do I contact if I lose my wallet?" (ExperianExperian.com, EquifaxEquifax.com, TransUnionTransUnion.com)

Mentioned on today's program was the "Set Your House in Order" workbook and small-group study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• Should I invest in real estate with my son?
• Would it be wise to participate in an investment fund that turns around depressed hotels?
• Should I keep the older vehicles I have or buy something newer?
• I just paid off my car. Is there anything, insurance-wise, I should keep above basic liability?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• Where should we invest money we're getting from the sale of an investment property?
• My 401k's plan administrator has asked me to move the funds. How should I go about this?
• Testimony about using Bible based principles to pay down considerable debt.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "I have enough in a Money Market account to pay off my mortgage, but are there higher priorities?"
• "How do I restore my credit after a judgment against me?"
• "We have a loan against our retirement account and another loan that we used to expand my wife's business - which should we repay first?"

Mentioned on today's program was Howard's book, 'Free and Clear', as well as the Compass small group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "Would it be wise to roll out 401(k) into a Roth IRA?"
• "We've sold a second home - how do we prioritize the use of the proceeds?"
• "How do I allocate $60,000 between emergency savings, retirement and paying down my mortgage?"
• "If I pay off my home early, do I still pay all the interest?"
• "My undisciplined spending is hurting my finances - can you help?"
• "What steps do I take in forming a new business?"
• "Our high housing cost makes it impossible to tithe - should we sell our home?"
• "Would it make sense to borrow in order to finish off my masters program?"

Mentioned on today's program was Howard's book, 'Money and Marriage God's Way', as well as the Compass Map and Compass Coaches.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "We're retired and debt-free, but don't have a lot of buffer - if we were to need money down the road, would a reverse mortgage be a wise choice?" (Dale mentioned checking out 'reverse mortgage' info at HUD.gov)
• "I'm facing foreclosure - how do I respond?" (Dale recommended checking out MakingHomeAffordable.gov)
• "How is an 'index' used in an adjustable rate mortgage?"
• "Is it possible to get a mortgage with no money down?"

Mentioned on today's program was the Compass small-group study, 'Set Your House in Order'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 insurance. What are my options?"
• "We have a budget, but my husband has not been faithful in adhering to it. How should I handle this?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 that to?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "What do you think about putting money into a life insurance policy to avoid inheritance taxes?"

Mentioned on today's program was the 'Financial Stewardship Bible'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 - is it worth refinancing?" (Howard recommended checking out BankRate.com and HUD.gov)

Mentioned on today's program was Howard's book, 'Money and Marriage God's Way', as well as several Compass books for children and teens: 'The ABC's of Handling Money God's Way', 'The Secret of Handling Money God's Way' and 'The New Bicycle'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "I'm concerned that my long -term investments are not growing - should I make a change?" (Howard recommended the caller check out SoundMindInvesting.com))
• "Should I tithe on child support?"
• "I'm looking to join the military in a few months - where can I invest while away?"

• "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 pay off credit card debt, but my spouse doesn't want to do that. What should we do?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 the Compass Map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

Be sure to check out the†Compass website†for a complete listing of helpful†resources†and radio†archives.

Thanks for your prayers and generous†financial†support†which allow us to keep MoneyWise on the air!

• "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 for a home fit into that?"
• "My husband is out of work and I'm working full time - do you have any ideas for generating more income?"
• "What should I consider before borrowing to buy a start-up business?"
• "I'd like to purchase some rental homes without going into debt - what do you think about pulling money out of my IRA?

Mentioned on today's program was the Compass Map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 out ImpartialInsuranceAdvisor.com)
• "My company-sponsored retirement plan is not performing well - should I make some changes?"
• "Should I re-finance even though I may be moving in a year or so?"

Mentioned on today's program was the 'Sound Mind Investing Handbook'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 business loan to start a restaurant?"

Mentioned on today's program were Howard's books, 'Your Money Counts' and 'Free and Clear', as well as the Compass Map.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 as BankRate.com)
• "I'm a teacher - what's the best way for me to pay for a master's program?"
• "Will I save money by paying my mortgage 'bi-weekly'?"
• "How does one determine if a trust is better than a will?"
• "Does the Bible say that God is in charge of job promotions?"
• "Is there any way to get out of an auto lease?"

Mentioned on today's program was the 'Set Your House in Order' Bible Study, as well as Howard's book, 'Money and Marriage God's Way' (also available as a small-group study). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 401(k) into an IRA and then using a portion of it to build a house?"
• "With online banking, do I still have to balance my checkbook?"
• "We're nearing retirement - what's the best way to use some extra monthly income?"
• "Should we pursue re-financing for a third time?" (Steve recommended checking out HUD.gov)
• "How much of our daughter's college tuition should we pay?" (caller was encouraged to check out ScholarshipCoach.com)

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 free?"
• "How much do we pay our children for work around the home?"

Mentioned on today's program was Howard's book, 'Your Money Counts'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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's books for children and teens, 'The ABC's of Handling Money' and 'The Secret of Handling Money'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 husband feels called to work in ministry, but hasn't brought in an income in a few years and we need more income. How should I address this?
• I would like to open college funds for our 3 kids, but can't fully fund all 3 accounts. What should I do?

• "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. What should we do?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 should he do with this money?"
• "Should I take out an auto loan to purchase a hybrid car?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 a Compass Coach)
• "How do I deal with a family member who's not faithful to pay rent on a home I own?"

Mentioned on today's program was Howard's book, ''Your Money Counts'', the budgeting website, Mint.com and the "Navigating Your Finances God's Way" small-group study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 stock mutual fund?"
• "What's the difference 'preferred' stocks and 'common' stocks?"
• "If a company goes bankrupt, what happens to the stock?"

Mentioned on today's program was the "Sound Mind Investing Handbook". Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 out Edmunds.com)
• "Will marking out the Social Security number on my Medicare card (for security reasons) create problems for me?"
• "Is bankruptcy biblically permissible?"
• "What credit reporting agencies do I contact if I lose my wallet?" (ExperianExperian.com, EquifaxEquifax.com, TransUnionTransUnion.com)

Mentioned on today's program was the "Set Your House in Order" workbook and small-group study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• 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 than an employer will match in a 401K or 403b account
• Improving your credit score by paying off payday loans.

Steve closed the program by recommending Howard's audio book, "Your Money Map."  This, and the book by the same title, are the companions to the free "Compass Money Map."  They go into greater detail about the seven destinations on your journey to true financial freedom.  You'll find these in the store at Compass1.org.  You can also download a free copy of the Compass Money Map here.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on-the-air!

• "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 insurance. What are my options?"
• "We have a budget, but my husband has not been faithful in adhering to it. How should I handle this?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 pay off credit card debt, but my spouse doesn't want to do that. What should we do?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 what we've had to pay for a home - any suggestions?"

Mentioned on today's program were Howard's books, 'Money and Marriage God's Way' (also available as a small-group study), 'The Secret of Handling Money God's Way' and 'The ABC's of Handling Money God's Way' . Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 'hedge fund'?"
• "What's an 'ETF' and how does it compare to a mutual fund?"

Mentioned on today's program was Howard's book, ''Your Money Counts'' and the 'Sound Mind Investing Handbook' from SoundMindInvesting.com. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 as BankRate.com)
• "I'm a teacher - what's the best way for me to pay for a master's program?"
• "Will I save money by paying my mortgage 'bi-weekly'?"
• "How does one determine if a trust is better than a will?"
• "Does the Bible say that God is in charge of job promotions?"
• "Is there any way to get out of an auto lease?"

Mentioned on today's program was the 'Set Your House in Order' Bible Study, as well as Howard's book, 'Money and Marriage God's Way' (also available as a small-group study). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

Calls and emails (800-525-7000 or moneywise@compass1.org) include the following:

• How to know to whom we are to give beyond the local church (Steve offers the suggestion of setting up a personal benevolence fund)
• Whether or not to borrow from a retirement account to pay off a balloon loan

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on-the-air!

• 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 husband feels called to work in ministry, but hasn't brought in an income in a few years and we need more income. How should I address this?
• I would like to open college funds for our 3 kids, but can't fully fund all 3 accounts. What should I do?

• 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 paying on my debts in order to better negotiate settlements. Is this wise?

Mentioned during this program: SoundMindInvesting.com. Be sure to check out the Compass website for a complete listing of other helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 card?"
• "A company has offered to lend money to my small business based on our 'receivables' - is that risky?"
• "What do you think of life insurance 'survivor's benefits'?"
• "How much of my monthly budget should be allocated to transportation?"

Mentioned on today's program was Howard's book, 'Your Money Counts' as well as a host of free financial calculators. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 fund our retirement account or pay off our home?"
• "How do we determine the proper rent to charge on some commercial property?"
• "How do we deal with an unexpected IRS debt?"

Mentioned on today's program was the Compass Map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 the sale of that property - is one option better than another'?" (Howard recommended the Sound Mind Investing Handbook and SoundMindInvesting.com)
• "My teaching position offers no retirement plan - what should I be investing in?"

Mentioned on today's program was the 'Set Your House in Order' Bible Study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on-the-air!

• "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 or AutoTrader.com )
• "Should I withdraw money from my IRA to pay off my home?"

Mentioned on today's program were several books for children and teens: 'The New Bicycle', 'The ABC's of Handling Money God's Way' and 'The Secret of handling Money God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on-the-air!

• "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 plan - what are my options?"

Mentioned on today's program were Howard's books, 'Free and Clear' and 'Money and Marriage God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 how would I go about purchasing their portion?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 tithe off of money in my mom's estate'?"
• "Is there anything we can do about a dishonest creditor?"
• "What are some Bible passages that deal with money and marriage?"
• "Do you have any tips for getting the best deal on a used car?" (These websites were mentioned: AutoTrader.com, KBB.com, Edmunds.com)

Mentioned on today's program was the Financial Stewardship Bible. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 with little money and poor credit?
• My employer offers a thrift incentive plan. What is this and should I take advantage of it?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on-the-air!

• 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 program that will allow us to do that?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 benefits after the death of their mother. What should we do with this money?
• We have about $260, 000, which we've agreed to have Fidelity manage. Is this wise, or should we manage it ourselves?
• Some say the market is going to crash in the future and U.S. dollars won't be worth much. What should we do to prepare for that possibility?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 locate it?"
• "If you cash in a universal life policy, do you receive the 'net policy value' or the 'net cash surrender value'?"

Mentioned on today's program was the Financial Stewardship Bible. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 should I look for in a property management company and what questions should I ask?"
• "Would it be immoral for me to take a job selling time shares, since I don't believe they are a good financial product?"
• "What are your tips for starting a business?"
• "I've cosigned on a car loan - is there any way to get my name removed?"

Mentioned on today's program was Howard's book, 'Your Money Counts'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 mom and need some advice on investing an inheritance." (Howard mentioned SoundMindInvesting.com and 'The Sound Mind Investing Handbook')
• "How do I help a friend who's had long-term financial needs?" (Howard recommended a Compass Coach)

Mentioned on today's program were the Compass small-group studies. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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?

Mentioned in today's program: Kingdom Advisors (Christian financial advisors) and Credability (debt counseling)

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on the air!

• 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 refinancing our home and I'm wondering if we should roll our credit card debt into the new loan.
• What steps should I take to try and find a good mortgage refinance option?
• Should we take money out of an IRA to add it to our emergency fund?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 the 401k, what should I invest in?

Mentioned in this program: CreditKarma.com and AnnualCreditReport.com.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 or AutoTrader.com )
• "Should I withdraw money from my IRA to pay off my home?"

Mentioned on today's program were several books for children and teens: 'The New Bicycle', 'The ABC's of Handling Money God's Way' and 'The Secret of handling Money God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 recommended BankRate.com)

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 soon to a different state - is it better to rent for a while before purchasing a home?"
• "How do I know if re-finance offers in the mail are legitimate?"
• "How do banks view credit reports that (like mine) contain 'short sales'? When will I be able to purchase a home again?"

Mentioned on today's program were Howard's books, 'Free and Clear' and 'Money and Marriage God's Way' (also available on audio CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 father, what are my first steps for getting our finances on track?"

Several helpful resources were mentioned on today's program, including the Compass small-group study, 'Navigating Your Finances God's Way',  the Compass Map. Compass coaches and Howard's book, 'Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on the air!

• 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 move beyond this?
• Is there a rule of thumb as to what percentage of my income I should set aside for taxes, being that I'm self-employed?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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?
• My wife and I would like to purchase a home. But given our age and the economy, would this be wise right now?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 you budget with an uncertain monthly income?"
• "Can we contribute to an IRA for 2012 in my wife's name even though she has no earned income?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 somewhere else?" (Steve mentioned BankRate.com)
• "I'm on Social Security. Do I have to pay taxes on an IRA withdrawal?"
• "What do you think of life insurance for children?"

Mentioned on today's program were the books, 'The ABC's of  Handling Money' and 'The Secret of Handling Money', as well as the  'Money and Marriage God's Way' small-group study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 precious metals?"
• "We own rental property in another state - should we continue to rent it out or sell it?"

Mentioned on today's program was Howard's book, 'Free and Clear'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 that my balance is now below $50,000. Any suggestions?
• Are there any scriptures that address dealing with a difficult supervisor at work?
• Does the IRS limit how long you can run a business that is technically in the red?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise Weekend on the air!

• 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 with little money and poor credit?
• My employer offers a thrift incentive plan. What is this and should I take advantage of it?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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?

Mentioned in today's program: Kingdom Advisors (Christian financial advisors) and Credability (debt counseling)

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Several helpful resources are mentioned on the program: AnnualCreditReport.com, the Identity Theft Resource Center and the Federal Trade Commission (ftc.gov),. Dr Betz also recommends checking with the office of your particular state Attorney General and investigating whether someone has tampered with your child's credit (click here for instructions from ehow.com).

For a good overview of biblical money management, consider Howard's book, 'Your Money Counts'. And be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 loans should I consider?"

Mentioned on today's program was the 'Navigating Your Finances God's Way' small-group study. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 ?"

Mentioned on today's program was the Compass Map and the Financial Stewardship Bible. Howard also mentioned  the book, 'Trusting God', by Jerry Bridges.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 on my credit report?"
• "What's the difference between a credit report and a credit score?" (Howard recommended CreditKarma.com)

Mentioned on today's program was Howard's book, 'Your Money Map' and the Compass small-group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep Money Wise Weekend on the air!

• 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 overseas. Is there anything I should be thinking about investment-wise as I prepare for this?
• Can you recommend a reputable company from which to buy gold or silver, and what percentage of my investments dollars should be in precious metals?
• All of my investment money is in tech stocks. Am I on the right track?

Learn more about Mark Biller and Sound Mind Investing at SoundMindInvesting.com.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 I can afford?
• I received a gift of $5,000. Should I tithe on a gift?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 couple?" (Howard recommended checking out SoundMindInvesting.com and the Crown small-group study, 'Navigating Your Finances God's Way'.)

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 my tax preparer?" (Howard recommended contacting the Taxpayer Advocate Service at the IRS - here's a link)

Mentioned on today's program was  the Compass Map and Howard's books, 'Your MoneyMap' and 'Money and Marriage God's Way' ('Money and Marriage Money God's Way'  is also one of the small-group studies offered by Compass).

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 think of investing in 'junk silver'? How about gold and silver parties?"

Several helpful resources were mentioned on today's program, including;  the 'Set your House in Order' workbook, Howard's book, 'Your Money Map', the small-group study, 'Navigating Your Finances God's Way',  CredAbility.org and Compass coaches.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep Money Wise Weekend on-the-air!

• 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 weeks notice to my current employer, he might let me go immediately. What do you recommend?
• We have suffered a loss of income. Should I continue to tithe or wait until we get back on our feet?
• Are house repairs tax deductible?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 address dealing with a difficult supervisor at work?
• Does the IRS limit how long you can run a business that is technically in the red?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 40-year-old man?"
• "I've recently lost my job and am in debt - how can I get this debt paid down and restore my credit?" (Howard recommended CredAbility.org)

Mentioned on today's program was  Howard's book, 'Your Money Counts'.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 father, what are my first steps for getting our finances on track?"

Several helpful resources were mentioned on today's program, including the Compass small-group study, 'Navigating Your Finances God's Way',  the Compass Map. Compass coaches and Howard's book, 'Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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? Sell, move, re-finance, rent?"
• "How do I balance God's command to give generously with his command to look ahead and plan for the future?"

Mentioned on today's program was  the 'Set your House in Order' workbook.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 some retirement funds into rental property - what do you think?"

Mentioned on today's program was the Compass Money Map. Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators. Thanks for your prayers and generous financial support which allow us to keep Money Wise Weekend on the air!

• 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 works?
• I cosigned for an auto loan for my daughter. That is now preventing me from getting a loan. What should I do about this?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 as a lump sum or a monthly annuity. Which way should I go?
• I have a debt in collections, and it has now been taken to court. What should I do now?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 us down for a re-fi - what else do we try?"

Mentioned on today's program was the Compass Map and Howard's book, 'Your Money Map'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

In the opening conversation, Dale Vermillion mentioned several helpful websites: HUD.gov (FHA Reverse Mortgage site) and MakingHomeAffordable.com (Harp 2 site).

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 on today's program was the Financial Stewardship Bible.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 SoundMindInvesting.com)
• "How do I deal with a credit card with a very high interest rate?" (Howard recommended CredAbility.org)

Mentioned on today's program was the Compass small-group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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?
  
• I have been laid off. Do you have any tips for my employment search?
  

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 out Harp 2 and BankRate.com)
• "Do overdue medical bills affect my credit score?"
• "What does the Bible say about dealing with financial disputes?"
• "Where can my teenage son invest $1,000?"
• "Is it better to buy a used car from a dealer or an individual?"

Mentioned on today's program was Howard's book, 'Free and Clear'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 out Harp 2 and BankRate.com)
• "Where should I keep my emergency fund?"
• "What do you think of the credit repair services I see advertised?"

Mentioned on today's program was the Compass Map and Howard's book, 'Your Money Map''.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 streamline refinance on my mortgage. Could you point me in the right direction on how to do that?"

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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. I must withdrawal all of it because of an earlier withdrawal. How do I do this to avoid the huge federal tax?"
• "Does it matter if I wait until closer to the payment date of my credit card bill as long as it is not late?"
• "When it comes to life insurance, what is the difference between term, whole and universal, and what are the benefits to each type?"
• "I'm a salesman and have irregular income. Is there a way to budget when I do not know what my income will me on a monthly basis?"
• "What is the difference between a bank and a credit union, and do you recommend one over the other?"
• "Can I write off the gas I use on my way to and from work?"

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I live in a mobile home and it is almost completely paid off. I am trying to become completely debt free and I was wondering if I should stay where I am in the mobile home and continue paying the monthly lot rent, or should I move into a house where I won't have the monthly fee?"
• "My brother and I own a farm and would like to refinance. The bank sees it as an investment property so they are hesitant to lower the interest rate. Any suggestions?"
• "I'm recently remarried. My husband and I are trying to refinance our primary residence. Should we refinance and put him on the mortgage?"

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 study, Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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, 'Set Your House in Order''.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 expires the end of this year?"
• "Should I stop making my house payment in order to force my mortgage company to re-finance?"
• "What can you tell me about FHA home loans?"

Mentioned on today's program was Howard's book, 'Your Money Counts', as well as two of the Compass small group studies, 'Money and Marriage God's Way' and 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 our house?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 place for my retirement funds?
• Should I sell my boat to pay off my house?
• Can you recommend any good books on running a Christian business?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 on my credit report?"
• "What's the difference between a credit report and a credit score?" (Howard recommended CreditKarma.com)

Mentioned on today's program was Howard's book, 'Your Money Map' and the Compass small-group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 for my grandchildren?" (Howard mentioned CollegeSaving.org)
• "How do I deal with retirement money from a former employer?"
• "Can my spouse and I open a joint Roth IRA?"

Mentioned on today's program was the 'Financial Stewardship Bible'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

You can contact Dave Szafranski at 800-344-2534 or online at RaymondJames.com/EIG.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 my student loan, but my payment has been late many times and that's making it difficult'"'
• "How do I check out the legitimacy and efficiency of non-profit organizations?"
• "I live on a very limited income, but need a car - what are my options?"
• "What's the difference between faith and presumption when preparing next year's church budget?"
• "What's the best way to make a will?"
• "What is automobile 'GAP" insurance and do I need it?"

Mentioned on today's program was the Compass Map and Howard's companion book, 'Your Money Map'.  Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 'certificate', and would you recommend it as a way to invest in gold?"

Mentioned on today's program was  the Compass small  group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep Money Wise on the air!

• 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 few scriptures on paying off debt?
  
• What kinds of insurance coverage should I carry on a paid-for car? 

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 think of investing in 'junk silver'? How about gold and silver parties?"

Several helpful resources were mentioned on today's program, including;  the 'Set your House in Order' workbook, Howard's book, 'Your Money Map', the small-group study, 'Navigating Your Finances God's Way',  CredAbility.org and Compass coaches.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 offering lower rent to a person on disability?"

Mentioned on today's program were two of Howard's books, 'Money and Marriage God's Way' and 'Free and Clear' (note that 'Money and Marriage God's Way is also available on audio CD). Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 some retirement funds into rental property - what do you think?"

Mentioned on today's program was the Compass Map. Be sure to check out the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• 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 God's way?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.  Thanks for your prayers and generous financial support which allow us to keep Money Wise on the air!

I have a 4 and a 9 year old. What is the best way to save for their college? 

Should we pay cash for a car or get an affordable loan to build our credit? 

We need to pay for a large dental bill. Should we consider taking out a "care" credit card or borrow against our house? 

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

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 love offerings. How should I claim these on my taxes? 

Should we reduce our 401k contribution to put money into a ROTH? 

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Personal and medical challenges have really hurt our finances and credit rating - how do we re-build?" (mentioned was Howard's book, Money and Marriage God's Way' - also available on audio CD)
• "How can I best use my financial skills in helping a family member with a new business?' (Mentioned in the conversation was Larry Burkett's book, 'Business By the Book')
• "How long is a will valid - is there a time limit?"
• "Are life insurance benefits taxable?"
• "Is it okay to use a home equity loan to take a vacation, as long as we pay it back quickly?"

Mentioned on today's program was the 'Set your House in Order' workbook.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What's a fair charge for re-financing a home loan?"
• "How do I work with a creditor that doesn't seem to be dealing fairly?' (Mentioned in the conversation was Howard's book, 'Free and Clear' and the website, CredAbility.org)
• "Other than the 401(k) offered at work, where should  put retirement savings?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 the Compass website for a complete listing of helpful resources, radio archives and calculators.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'm told that I'm a semi-finalist in a Cadillac Escalade give-away - how should I handle that?" (caller mentioned the ministry, 'RighteousRides.org')
• "I made a mess of my credit when I was younger, but now I want to clean it up and set things right - can you give me some direction?" (Howard mentioned AnnualCreditReport.com and CreditKarma.com)
• "Should I put more than 20% down on a home I'm building, knowing that I'll have other major expenses before I can move in?"

Mentioned on today's program was Howard's book, 'Free and Clear', as well as the group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

What is the best way to address old overdue debts? 

What is the interest rate that would make it worthwhile for us to refinance our mortgage? 

We are preparing for a divorce. Should we avoid court and have an attorney draw up papers? 

Is it okay to accept a state scholarship funded by the lottery? 

What are your thoughts on investing in gold right now?

My home is currently underwater. Is there a way to refinance my mortgage? 

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Should we deplete our savings to buy a needed minivan or finance part of the purchase?

Would it be wise to refinance our home to get cash for repairs to the house?

Should we use our savings to pay off our mortgage?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What are the best investment options for our young children's college education?" (Howard recommended checking out SavingForCollege.com to compare '529' Plans)
• "Is it smart to pay off the mortgage before putting money aside for retirement?' (Mentioned in the conversation was the federal gov't re-finance program, Harp 2)
• "Should I evict a tenant who's habitually late with their rent payment?"
• "My son's fiancee has significant debt - should we offer to help pay it off?"

Mentioned on today's program was the 'Set your House in Order' workbook.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "My small retirement fund is earning very little - are there better options?"
• "Are CD's safer than annuities?"
• "What's your investing advice for newlyweds focused on paying down debt?"
• "What's your take on the Roth Bond IRA?"
• "Would it be wise to convert a large investment in a traditional IRA to a Roth IRA?"

Mentioned on today's program was the Compass small-group study, 'Set Your House in Order''.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I decide if it's right to refinance?" (Howard recommended checking out BankRate.com to find a good mortgage rate)
• "Am I doing the right thing in using a 'credit repair' company?" (Howard mentioned AnnualCreditReport.com; Steve also mentioned CredAbility.org and their umbrella organization, the National Foundation for Credit Counseling)
• "What are the best steps to finding a good used car?" (check out Edmunds.com and CarFax.com)

Mentioned on today's program was Howard's book, 'Free and Clear'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "My lack of self-discipline is getting me deeper into debt - how do I manage my finances better?"
• "Would it be better to use an inheritance to pay off debt, or should I just stick with my current program of paying it down a month at a time?"
• "My husband and I are both in college with student loans - we'd like to start a family, but would that be wise?"

Two of Howard's books were mentioned on today's program - 'Free and Clear' and 'Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives. And thanks for your prayers and generous financial support which allows us to keep Money Wise on the air!

• 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 our house?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Is it Biblically acceptable to use write-offs and deductions to lower my tax bill?

We are investing money from an inheritance. Should we tithe on the inheritance immediately or tithe only on profit from the investments?

I want my kids to earn money for chores, but my husband feels they should not be paid for chipping in. What do you think?

How can I sell my timeshare?

Learn more about Ken Franke at frenke.com. And be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Learn more about Brian Kluth's ministry at Kluth.org.

And be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'd like to re-finance, but my debts are getting in the way" [Howard and Steve recommended checking out BankRate.com, Harp2program.org and the Federal Housing Finance Agency (FHFA.gov). Click here to see if  your mortgage is held by Fannie Mae or Freddie Mac]
• "What do you think of investing in Iraqi Dinars?"
• "Is it better to borrow for college all at once or little by little?"
• "Is it worth replacing a car engine, or should I just get another car?"
• "You recommend finding a business mentor - but how do I find one?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Is it wise to use money from my 401(k) for a house downpayment?"
• "What do you think of my idea to sell my business and put that money toward retirement?"
• 'How do I get started building an investment portfolio?' (Howard recommended checking out Sound Mind Investing.

Mentioned on today's program was the 'Set your House in Order' workbook.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Our church has entered into a fundraising arrangement with an electricity provider. Is this appropriate?

Should I accept an out-of-state job and relocate. And if so, what should we do with our home here after we move?

My husband has not been faithful about adhering to our budget. How should I handle this?

I'm new to investing. Can you explain what a 401k is, and is it the best way for me to invest?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

How can I get the capital needed to grow my business?

Should we continue to rent or go ahead and buy a home?

Is there a way to refinance student loans that have already been consolidated?

Be sure to check out the Compass website for a complete listing of helpful Compass Resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Should we sell a rental home to pay down our mortgage?"
• "How do I clean up an old blemish on my credit report so I can borrow for my small business?" (Howard recommended checking your credit report at AnnualCreditReport.com)
• 'Is pulling money out of my 401(k) the best option for my daughter's college expenses?'

Mentioned on today's program was the Compass map.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Can I have a home loan modified twice?"
• "Serious health problems make it difficult to pursue the loan modification process - where can I get help?"
• 'With the up-front costs of re-financing, how do I determine if it's worth it?'

Mentioned on today's program was Howard's book, Free and Clear. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Does it make sense to borrow from my 401(k) to pay off high-interest debt?"
• "Is debt consolidation a good way to eal with high credit card debt? And who can i trust?" (Howard recommended CredAbility.org)
• 'Would it be wise to put more than 20% down on our down-sized retirement home?'

Several helpful items were mentioned on today's program:

- CreditKarma.com (for getting your free credit score)

- Howard's 'Set your House in Order' workbook

- Compass budget coaches

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• My parents are looking into a reverse mortgage. Is this a good idea?
• After 19 years of marriage, how can my spouse and I get on the same page financially?
• Can I write off private grade school tuition on my taxes?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives. Thanks for your prayers and generous financial support which allow us to keep Money Wise on the air!

How can I better communicate with my financial adviser and ensure I'm investing in ethical companies?

I'm 58 with no retirement savings. What can I do at this point to prepare for retirement?

How are closing costs figured when you buy a home?

Our retirement adviser doesn't want us to put extra money on paying down our home. Is this wise?

I want to use savings to pay down our credit cards, but my husband doesn't want to do that. What are your thoughts?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Would it be wise to become the legal payee for a disabled friend?

Would it be okay to borrow from our 401k to pay for repairs/renovations to our home?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• I currently do not have medical insurance and I recently broke my arm. I've always heard that medical costs are negotiable, but can you explain this further to me?
• I just graduated from college and i'm getting married next year. My fiancé and I often will argue about the decision about the possibility of me taking out a student to go straight into a masters program. Is this a good decision?
• As a small business owner is it okay to borrow money to grow your business?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "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 'certificate', and would you recommend it as a way to invest in gold?"

Mentioned on today's program was  the Compass small  group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "At 65, should I put 40% of my retirement funds in gold?"
• "How do I establish credit and get my first credit card? (Howard recommended checking your credit report at AnnualCreditReport.com and recommended Bankrate.com to find reputable companies and good rates)"
• 'What advice can you give me about investing in real estate?'

Mentioned on today's program was the 'Set your House in Order' workbook.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do we give money to our daughter (from our retirement account) with minimal tax consequences?"
• "What can you tell me about a balloon mortgage?" (Howard recommended that the caller check out BankRate.com)
• "I'd like some details on how to diversify my retirement investments."

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.  Thanks for your prayers and generous financial support which allow us to keep Money Wise Weekend on the air!

• My parents want pass a business on to my brother and me. What will our tax burden be on the transfer of ownership?
• Can I refinance my mortgage to a lower rate?
• We are looking to buy a home. How much of our savings should we use for the down payment?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• My parents want pass a business on to my brother and me. What will our tax burden be on the transfer of ownership?
• Can I refinance my mortgage to a lower rate?
• We are looking to buy a home. How much of our savings should we use for the down payment?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

How can I go about getting my ex-wife's name off of my mortgage?

How can we set aside money for our grandchildren while minimizing the tax burden on that money?

Should I pay off my house with inheritance money I've received or simply refinance the mortgage to a lower rate?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• I’m having difficulty paying my tithes. I’m retired and have a very low income. What do you recommend?
• My husband and I have 54 months left to pay on our house with a 6% interest. We would like to refinance for a lower interest rate, but the shortest time amount we can borrow money for is ten years. What do you suggest we do?
• I’m thinking about bankruptcy. Can you please explain the various types of personal bankruptcies and their pros and cons?
• I came across 1 Timothy 5:8 while reading today. What does this verse mean? Does it mean we should bail out our relatives?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "At 55, where's the best place to invest my retirement funds?"
• "How do we handle some stock that was signed over to us?"
• "Where should an 80-year-old widow invest her IRA funds?"

Two of Howard's books were mentioned on today's program - 'Free and Clear' and 'Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Can you help me decide whether to go back to school for an advanced degree, or stick with what I'm already doing?"
• "Is my support of my elderly mom tax-deductible?"
• 'What do you think of transferring credit card debt to lower-interest cards in order to accelerate the payoff?'

Mentioned on today's program was the 'Set your House in Order' workbook.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Should we keep our existing life insurance policy or look for something different?”
• "How do you keep the peace and work together in a marriage with different financial personalities?"
• “Someone told me that in the New Testament, Jesus did away with tithing. What are your thoughts on this?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.  Thanks for your prayers and generous financial support which allow us to keep Money Wise Weekend on the air!

Should I be saving for retirement now or should I concentrate on saving?

What is a 403B and would it be the right investment vehicle for me?

I am being charged an investment fee I do not understand. What should I do about this?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

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 God's way?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'm told that I'm a semi-finalist in a Cadillac Escalade give-away - how should I handle that?" (caller mentioned the ministry, 'RighteousRides.org')
• "I made a mess of my credit when I was younger, but now I want to clean it up and set things right - can you give me some direction?" (Howard mentioned AnnualCreditReport.com and CreditKarma.com)
• "Should I put more than 20% down on a home I'm building, knowing that I'll have other major expenses before I can move in?"

Mentioned on today's program was Howard's book, 'Free and Clear', as well as the group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "My lack of self-discipline is getting me deeper into debt - how do I manage my finances better?"
• "Would it be better to use an inheritance to pay off debt, or should I just stick with my current program of paying it down a month at a time?"
• "My husband and I are both in college with student loans - we'd like to start a family, but would that be wise?"

Two of Howard's books were mentioned on today's program - 'Free and Clear' and 'Money and Marriage God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• Can you refinance a vehicle?
• I inherited money many years ago and it was put into an IRA. Should I transition from a traditional IRA to a Roth IRA?
• My husband and I own a home and owe about 78,000 on it still. We’re currently at 5.25 percent interest. Should we refinance?
• My husband has no control on his spending. How do I handle this?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

What should I do with money I've received in a 401k?

We never seem to have enough money at the end of each month to save. What should we do?

Is there a way to consolidate or manager our debt to get it under control?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

To learn more about Brian Doyle and Iron Sharpens Iron ministries, visit IronSharpensIron.net

.

And be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• We have a family opportunity to go to the mission field and want to know if it would be better to sell or rent our house while we are out of the country?
• My wife is currently laid off so our household is on one income. We have multiple debts and thirty five thousand dollars in savings. Should I use my savings to pay off this debt or keep it in the bank to save for the future?
• Can you explain the importance of tithing on a tight budget?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• What’s more important biblically, working to pay off a small debt or going back to school to finish my degree which would require me to obtain a larger amount of debt?
• We’re trying to buy a home but don’t have credit built up. We’re now being told that we need to look into having “trade lines” open to become eligible to take out a loan. What should we do?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• What should I know about a "rent to own" program? Are they real and legitimate or a waste of time?
• Is it unwise to take a fifty thousand dollar loan from my 401K to buy a rental property?
• I have two children who are driven in different ways. I want to know how to financially support them equally through college.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

For more information about Randy Alcorn's ministry and resources, visit emp.org href="http://www.epm.org/

For more information about Randy Alcorn's ministry and resources, visit Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

My parents are looking into a reverse mortgage. Is this a good idea?

After 19 years of marriage, how can my spouse and I get on the same page financially?

Can I write off private grade school tuition on my taxes?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I create an emergency buffer AND save for retirement?"
• "How can I reduce refinancing expenses?"
• "I'm 80 years old and feel as though I'm not giving enough!"
• "Will college costs ever come down, and are online courses a good alternative?"

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What's involved in an estate plan?"
• "Is estate planning just for the wealthy?"
• "What does estate planning cost? What does it cost to NOT do estate planning?"
• "What's the difference between wills and trusts?"
• "Can I write my own will? How about an online form? Do I really need an attorney?"
• "How can estate planning help me leave more to God's work?"

Mentioned on today's program was the Compass small group study, 'Navigating Your Finances God's Way'.  Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• I recently retired and have money from my 401(k) that will be available to me within the next month. Can you help me decide what to do with this money?
•  Are we supposed to tithe on our gross income or net income?
•  My husband and I recently moved and we have received extra money from the sale of our previous home. Could you point me in the right direction on how to best use this money?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Should I cosign for my grandson to get into an apartment?

Would it be wise to take most of the money I have in savings to pay off my house?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Does it make sense to refinance my mortgage despite high closing costs?

Should I pay for adequate health ins or forgo that cost to pay off debt?

I cannot enter into short-sale process while current on my mortgage. What should I do?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• Should I sell my condominium and use the proceeds to pay off my car debts and credit card debts?
• My husband and I recently refinanced our home. Since rates are even lower now should we refinance our home again?
• Could you help me understand how to categorize my money while using the Compass Calculator?
• Where is a safe and secure place where I can check my credit report and my credit score online?
• What would be considered a good interest rate on a car loan these days?
• I’m about to pay off my car next month and now the only debt I have left is student loans. Should I start saving for retirement now, or should I wait until my student loans are paid off?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do we juggle significant debt, an upcoming inheritance and a desire to build a house?"
• "What do you think of our plan to downsize?"
• "How does someone who's spent time in prison get on their feet financially?" (Steve recommended the Prison Fellowship program, 'Out4Life'.)

Mentioned on today's program was the Compass Map. along with Howard;s books, 'Your Money Counts' and 'Free and Clear' (all three of these resources are also available on audio CD)''. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do we juggle significant debt, an upcoming inheritance and a desire to build a house?"
• "What do you think of our plan to downsize?"
• "How does someone who's spent time in prison get on their feet financially?" (Steve recommended the Prison Fellowship program, 'Out4Life'.)

Mentioned on today's program was the Compass Map. along with Howard;s books, 'Your Money Counts' and 'Free and Clear' (all three of these resources are also available on audio CD)''. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Should I continue to save for a home downpayment or put that money into my employer's 401(k) plan?"
• "We're a young couple in debt and we really don't know how to deal with it,.
• "What percentage of our monthly budget can go toward a car payment?"
• "Does it hurt my credit score to regularly pay the mortgage a few days late?"

Two helpful resources were mentioned today:  the 'Financial Stewardship Bible' and Compass budget coaches. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I accelerate my student loan payoff?" (Steve recommended the listener check out the free calculators at Compass.org.)
• "Should I take a significantly lower percentage auto loan that my bank is offering me?"
• "Does the New Testament require the tithe?"
• "Our daughter has been accepted to several universities. How do we weigh the caliber of education against the cost (and opportunity to graduate debt-free)?"

Mentioned in today's program were two Compass small group studies, "Navigating Your Finances God's Way" and "Money and Marriage God's Way." Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Is there any way to refinance to a lower interest rate on a rental an vacation home?

I purchased a property, which is now quite underwater. Should I just walk away from it?

I have started a small ministry and I'm wondering how best to deduct expenses.

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

I'm upside down in a condominium and cannot sell it. Should I walk away from it?

Should I look into refinancing with a different type of loan?

What do you think about investing in whole life insurance?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

"How do we give money to our daughter (from our retirement account) with minimal tax consequences?"
"What can you tell me about a balloon mortgage?" (Howard recommended that the caller check out BankRate.com)
"I'd like some details on how to diversify my retirement investments."

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I need advice on rolling over a 401(k) from a previous employer."
• "What do you think about investing in cash value life insurance?"
• "Please explain the different kinds of annuities."
• "What's the difference between a Money Market Deposit Account and a Money Market Mutual Fund?"
• "Should I pull money out of a Money Market account to pay off my car?"

To learn more about Mark Biller and Sound Mind Investing, click here. Mentioned on today's program was the Compass small group study, 'Navigating Your Finances God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Can you help me understand the differences between a supplement plan and a Medicare advantage plan?”
• “I’ve gotten into some trouble dealing with unpaid taxes. How should I go about handling that?”
• “I’m in my seventies and I own an investment property that I’ve been trying to sell. Should I consider refinancing at my age?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What's the vbest way to close major credit card accounts?"
• "We're retired and debt-free. What's the best way to invest a lump-sum payment we're expecting soon?" (Howard recommended the listener look into SoundMindInvesting.com and Kingdom Advisors)
• "We currently have 'whole life' insurance - how do we determine if 'term' insurance would be better?" (Howard recommended checking out KingdomAdvisors.org)

Mentioned on today's program was CareerCast.com. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Should I consider refinancing my home?

We are upside down in our home, but must move for a job. Should we try to sell it or rent it?

Should I tithe even if that will leave me short of the money I need to live each month?

Can you offer any tips for someone who would like to get into the real estate development business?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

I'm upside down in a condominium and cannot sell it. Should I walk away from it?

Should I buy a condominium for my retirement?

What's the difference between an ETF and a mutual fund?

What Bible verses deal directly with debt?

Should I close out credit cards that I am not using?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "When is the 'right time' to downsize?"
• "We've made great progress getting out of debt, but it has messed up our credit score - how do we remedy that ? "

To learn more about Kenneth Frenke and Company, click here. Also mentioned on today's program was Howard's book, 'Money and Marriage God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I want to buy a home, but my credit score is not where it needs to be - how do I raise it and how long will it take?"
• "What are the normal fees for getting into an assisted living residence?"

Mentioned on today's program was the Compass small group study, 'Navigating Your Finances God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I take my severance package tax-deferred without a long surrender time period?"
• "I have a mountain of student loan debt and I recently lost my job. Should I file for bankruptcy?" (Howard recommends the listener check out dl.ed.gov for an economic hardship deferral.)
• "I own two homes but due to the downturn economy I have no equity. With my situation, would I be able to refinance to a lower interest rate?" (Howard suggests the listener to check out zillow.com to find out more about the HARP2 program.)
• "I have $20,000.00 that I would like to invest, but I may need it for a down payment on a home within the next two years. Is there a good short-term investment option?"
• "My husband and I just paid off our house and are completely out of debt. My husband has been taking advantage of his company's 401K and I am a stay-at-home mom. How do you propose investing the savings we are currently building up?"

Be sure to check out the Compass website for a complete listing of helpful resources and our "Hey Howard" and "Money Wise" radio archives, and thanks for your prayers and generous financial support which allow us to keep these programs on-the-air!

Where should you draw the line when giving money to others?

Should I purchase a home with my son?

Should I give up my career to pursue a full-time outreach to kids?

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

“Should I invest in a 529 or an IRA?"

“What exactly does the Bible have to say about tithing?"

“Should I purchase a manufactured home?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Should I use money from my 401K to pay for my mortgage?”
• “Should I set up a pre-paid college program for my child?”
• “Can you tell me about a 529 Plan for saving for college?”
• “Where is a credible source to buy gold?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I determine when to start taking Social Security?" (Howard recommended the listener check out the 'Quick Benefit Calculator' at SSA.gov)
• "Would it be wise to cash out my retirement fund to pay off a car loan and provide a home down-payment?"

Mentioned on today's program were two children's books by Howard and his wife, Bev - The New Bicycle and The Secret of Handling Money God's Way. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Should we accelerate our house payments, even though we will probably not be able to pay it off '?"
• "Is it safe to provide all my financial information to a third-party money management company?" (Howard recommended checking out Mint.com and AnnualCreditReport.com)
• "What's the difference between gambling and day-trading?"
• "What form of gold is the better investment: 'paper' gold or 'physical' gold?
• Mentioned on today's program was Howard's book, 'Money and Marriage God's Way' (also available on audio CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "When I retire from the government in two years, I want to go back to school.  What are my options?"
• "My college major doesn't seem to have a lot of employment potential.  Should I take a year off or just keep going (and adding to my student loan debt)?" (Brian recommended the listener check out the Christian-based personality and career assessment, Career Direct).
• "I'm 28 and want to go back to school to help make a career change.  Would it be wise to borrow for tuition?"

Click here to find out more about Brian Ray's organization, Crossroads Career Network (CrossroadsCareer.org). And be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep Money Wise on-the-air!

“Should we keep our existing life insurance policy or look for something different?”

How do you keep the peace and work together in a marriage with different financial personalities?

“Someone told me that in the New Testament, Jesus did away with tithing. What are your thoughts on this?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

"Should I use life insurance proceeds to buy a home?”

“Should I take out a loan for college or go to a less expensive school?”

“How can I get out of the cycle of payday loans?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Is a long-term bond a good option for my elderly relative?” (Steve recommended the listener look into SoundMindInvesting.com.)
• “My husband and I recently received a payment from a car accident. How do we decide how to use it?”
• “How do I budget on an irregular income?”
• "I am 63 years old and pay weekly for group health insurance. I would like to cancel the insurance and use the money to pay off a high interest credit card until I qualify for Medicare. What are your thoughts?"
• "What does the Bible say about suing a non-believer?"
• "What is an annuity?"
• "The city I live in offers a first time homebuyers program, which provides assistance with closing costs. Would there be moral or practical flaws in accepting this kind of assistance?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do we decide between 'term' insurance and the many varieties of 'whole life insurance'?"
• "Is it biblically OK to transfer ownership of my home to my children in order to increase my eventual Medicaid benefits?"
• "Is it wise to borrow against my 401(k) to pay off high-interest credit card debt
• Mentioned on today's program were Howard's books, 'Free and Clear' and 'Money And Marriage God's Way' (also available on audio CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What are the pros and cons of fixed income annuities?"
• "I'm 77 years and have bailed out of the stock market - now where do I put my cash ?"
• "We have no retirement savings other than our farm - how do we start putting money aside?" (Mark recommended checking out a report on the SMI homepage, 'Counting Down to a Secure Retirement")
• "Please explain the difference between a traditional IRA and a Roth IRA."
• "Is it unwise to invest more than the employer match into a company retirement plan?"
• Mentioned on today's program were Howard's books, 'Free and Clear' and 'Money And Marriage God's Way' (also available on audio CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I could pay off my home, but I'd have no savings left - what do you think?"
• "Is life insurance a good place to invest for our children's college expenses? "
• "What's the best way for extended family to help with my daughter's college expenses?"
• "My fiancee has a considerable debt load - how should I address this?"
• "Are multi-level marketing companies legitimate?"
• "What's the best way to sell a time share?"

Mentioned on today's program was the free Compass map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

“Should my daughter tithe on salary alone or salary PLUS tips?”

“What is the best way to save for retirement and college?”

“We are at a place where we have a monthly surplus. How can we invest this prudently?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

“Should I take a hardship loan from my 401k to pay off debt?”

“Is now the right time for me to buy a house?”

“Are there any Biblical guidelines in regard to lending money to others?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "We're looking to get our first home while market is low and want to know which mortgages would be best for to consider"
• "What should I do with an inheritance, and what are the tax implications?"
• "I'm a college student living at home with my parents. I'd like to move out, but need help setting financial goals first."

Mentioned on today's program were several of our children's books available on the Compass website. While you're there, also be sure to check out our radio archives that enable you to hear past programs that you might have missed. And thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'd like your advice on mentoring young women with their finances" (Howard recommended the caller check out the Compass small group study, Navigating Your Finances God's Way)
• "How can we re-finance a manufactured home? "

Mentioned on today's program was the free Compass map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Are tax lien certificates a good investment?" (Howard recommended the listener look into SoundMindInvesting.com)
• "We have some money saved up - how do we decide how to use it? " (Check out the free Compass map)
• "How can I re-finance an 'upside down' property?"
• "Please explain investing 'after-tax' money vs. 'pre-tax' money"
• "My husband purchased some baseball season tickets that we just can't afford - how do I approach him about this?"
• "What is a 'penny stock'?"

Mentioned on today's program was the Financial Stewardship Bible. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I've recently started a small business - how can I ensure that it succeeds ? Howard recommended contacting SCORE.org) "
• "What's the best way to use an inheritance? "
• "Where does 'eating out' go in my budget?"
• "Could changing the 'allowances' on my W4 help my debt-reduction plan? "
• "Would it be better for my wife to wait a few years before receiving Social Security income" (Howard recommends checking out SocialSecurity.gov)

Mentioned on today's program were Howard's books, Free and Clear and Money & Marriage God's Way (also on CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “I will soon be receiving life insurance money. How do I got about giving/tithing on this money?”
• “What kinds of paper work & records (old bills, pay stubs, etc.) should I hang onto and how long should I keep them?”
• “We have had to make house payments late recently. How will that affect our credit?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “I’m a truck driver and spend most of my days on the road. Should I buy or keep renting?”
• “We’ve had our rural home on the market for a while. Should we drop the price to sell it more quickly?”
• “Do we need to have diversified credit to build our FICO score so we refinance our home?”
• “I have an FHA loan. I’ve paid 18% of the principle so far. Can I get mortgage insurance removed?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• Whether it is okay to ask creditors to accept a lower amount to payoff your debt
• "I'm trying to organize my financial paperwork and I'm not sure which papers to keep and which to throw away."
• "I'm looking at a smart lease on a new car. It seems like a great deal for my situation but what do you think?"
• "I have a full time job but I get paid as a contractor and have to cover certain work related expenses myself. Should I tithe on my gross paycheck or on the amount left after expenses?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives. Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do i accelerate my student loan payoff? (Steve recommended the listener check out the free calculators at Compass.org)"
• "Should I take a significantly lower percentage auto loan that my bank is offering me?"
• "Does the New Testament require the tithe"
• "Our daughter has been accepted to several universities. How do we weigh the caliber of education against the cost (and opportunity to graduate debt-free?)"

Mentioned in today's program were two Compass small group studies, Navigating Your Finances God's Way and Money and Marriage God's Way. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "What's the vbest way to close major credit card accounts?"
• "We're retired and debt-free. What's the best way to invest a lump-sum payment we're expecting soon?" (Howard recommended the listener look into SoundMindInvesting.com and Kingdom Advisors)
• "We currently have 'whole life' insurance - how do we determine if 'term' insurance would be better?" (Howard recommended checking out KingdomAdvisors.org)

Mentioned on today's program was CareerCast.com. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Will I have to pay taxes on insurance money received to pay for damage to property?”
• “Would it make sense to refinance our mortgage right now, even though we plan on moving?”

And be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Should buy a home or continue living in church parsonage?”
• “Should we try to sell our home before going into the mission field?”
• “I have several mortgages (investment and personal) and a couple of auto loans. Which loan should I pay down first?”
• “We have cash from property we recently sold, but we’re not sure how best to invest it. What do you recommend?”
• “I can no longer afford payment on my van. Is it possible to trade in the van for something with lower payments?”
• “Should we cash in a ROTH to pay off debt?”
• “What’s the best way to start a budget and track spending?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “We’re paying 5.75% interest on our current mortgage. Should we look to refinance ?”
• “I’ve never been a good money manager. What steps can I take to begin handling money God’s way?”
• “Is purchasing gold a good idea right now? If so, where do I get it?”
• “I have a couple of credit cards I no longer use. Should I close them or keep them open for credit-building purposes?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I take my severance package tax deferred without a long surrender time period?"
• "I have a mountain of student loan debt and I recently lost my job. Should I file for bankruptcy?" (Howard recommends the listener check out dl.ed.gov for an economic hardship deferral.)
• "I own two homes but due to the downturn economy I have no equity, with my situation, would I be able to refinance to a lower interest rate?" (Howard suggests the listener to check out zillow.com to find out more about the harp2 program.)
• "I have $20,000.00 that I would like to invest, but I may need it for a down payment on a home within the next two years. Is there a good short term investment option?"
• "My husband and I just paid off our house and are completely out of debt. My husband has been taking advantage of his company's 401K and I am a stay at home mom. How do you propose investing the savings we are currently building up?"

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "When I retire from the government in two years. I want to go back to school - what are my options?"
• "My college major doesn't seem to have a lot of employment potential - should I take a year off or just keep going (and adding to my student loan debt)?" (Brian recommended the listener check out Career Direct).
• "I'm 28 and want to go back to school to help make a career change - would it be wise to borrow for tuition?"

Click here to find out more about Brian Ray's organization, Crossroads Career Network (CrossroadsCareer.org). And be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How do I plan for the possible long-term care of a handicapped child?"
• "I'm anticipating a financial settlement from a car accident and need insight on using it for housing? "
• "Recent financial difficulties caused us to lose our home, but also left us debt-free. Should we consider buying another home?"

Mentioned on today's program was the free Compass map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Catching up on past-due income taxes"
• "Reducing the interest rate and monthly payment on a home mortgage"
• "Home-purchase options for missionaries "
• "Home-renovation options "
• "Disposing of a specialized piece of property and home that' didn't fulfill it's intended purpose "

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “My sister recently passed and we found that she had taken out credit cards in our parents’ name. What should we do?”
• “I’m receiving collection calls for a relative who doesn’t live with me. How can I stop this?”
• “Should we continue to pay down our student loans asap or save that money for our kids’ college?”
• “What do I need to put together to put my estate in order?”
• “My estranged husband has taken out credit lines in my name. What can I do?”
• “Do you recommend high-mileage vehicle repair warranties?”
• “Making my granddaughter a trustee of family trust. How can I ensure the trusteeship will be conducted responsibly?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “My sister recently passed and we found that she had taken out credit cards in our parents’ name. What should we do?”
• “What should I do with 401k funds now that I’ve changed jobs?”
• “How do my wife and I keep the right work/life balance?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'm taking a new job in another town and need advice on selling my debt-free home."
• "I have a couple of loans - how much of my saving should I deplete to pay them off?" (Howard recommended the listener look into SoundMindInvesting.com and Kingdom Advisors)
• "We have an emergency fund AND enough cash to pay off our home - how do we determine if we should?" (Howard mentioned the free Compass mortgage calculators)

Mentioned on today's program was the Compass small group study, 'Navigating Your Finances God's Way'. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I could pay off my home, but I'd have no savings left - what do you think?"
• "Is life insurance a good place to invest for our children's college expenses? "
• "What's the best way for extended family to help with my daughter's college expenses?"
• My fiancee has a considerable debt load - how should I address this?"
• "Are multi-level marketing companies legitimate? "
• "What's the best way to sell a time share?"

Mentioned on today's program was the free Compass map. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "How can I pay off a high-interest car loan more quickly?" (Howard recommended checking out BankRate.com)
• "Are tax-free municipal bonds a good place for my elderly parents to put part of their savings? " (Howard recommended the listener look into SoundMindInvesting.com)
• "How do we play 'catch up' on our retirement savings?" (Howard recommended the Compass small group study, 'Navigating Your Finances God's Way')

Mentioned on today's program were Howard's books, Free and Clear and Money & Marriage God's Way (also on CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I'm moving out of state and have a home to sell - I can afford to wait for a buyer who will pay top dollar, but is that wise? "
• "Should I use an inheritance to pay off a deferred student loan? "
• "I'm due to receive a large commission - how do I prioritize the use of this unexpected income? "
• "I made a financial commitment that might hurt my estranged wife - should I follow through? "

Mentioned on today's program was the Financial Stewardship Bible. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Should I pay off our mortgage or a 401k loan first?”
• “I have received a $15,000 gift. What would be the best way to invest it?”
• “Is it Biblically permissible to borrow money to start a business?”
• “There is a debt on my credit report that I do not recognize. What should I do?”
• “I know the Bible discourages debt. Does this include home mortgages?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “Would it be worth refinancing my home at this time?”
• “Should I trust an investment foundation which claims to offer 2% interest on savings?”
• “I’ve cashed out all investments due to fear of market volatility. What should I do with it now?”

Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air! ]]> http://www.compass1.org/may-31-2012-money-wise/feed/ 0 Sharing Family Finances with Children – Howard Dayton and Steve Moore discuss whether or not it’s wise to share information about the family finances with you children. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1. Sharing Family Finances with Children – Howard Dayton and Steve Moore discuss whether or not it’s wise to share information about the family finances with you children. Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org): “Would it be worth refinancing my home at this time?” “Should I trust an investment foundation which claims to offer 2% interest on savings?” “I’ve cashed out all investments due to fear of market volatility. What should I do with it now?” Be sure to check out the Compass website for a complete listing of helpful resources and radio archives. Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air! Howard Dayton and Steve Moore clean 25:03 http://www.compass1.org/may-30-2012-money-wise/ http://www.compass1.org/may-30-2012-money-wise/#comments Wed, 30 May 2012 08:00:32 +0000 johnny.franklin http://www.compass1.org/?p=4100 Ask Before You Give – Howard Dayton and Steve Moore provide insight on how to be sure the organizations you support are using your gifts wisely (Steve recommends checking out MinistryWatch.com). Then they turn to questions from listeners (800-525-7000 or moneywise@compass1.org):

• "Is it okay to take a brief break from tithing to pay off a nagging credit card? "
• "Are extended car warranties a good deal? (Steve recommended that the caller check out the free Compass guideline budget) "
• "I'm a single mom facing lots of debt, including nursing school - is bankruptcy a good option? (Steve recommended she contact a Compass budget coach)"

Mentioned in today's program was the Compass small-group study, Navigating Your Finances God's Way. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "I've recently started a small business - how can I ensure that it succeeds ? Howard recommended contacting SCORE.org) "
• "What's the best way to use an inheritance? "
• "Where does 'eating out' go in my budget?"
• "Could changing the 'allowances' on my W4 help my debt-reduction plan? "
• "Would it be better for my wife to wait a few years before receiving Social Security income" (Howard recommends checking out SocialSecurity.gov)

Mentioned on today's program were Howard's books, Free and Clear and Money & Marriage God's Way (also on CD). Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• "Is a reverse mortgage right for my situation? "
• "How do I find the funding to patent an invention? "
• "Is a pre-nuptial agreement biblical? "

Mentioned on today's program was Howard's book, Money and Marriage God's Way. Be sure to check out the Compass website for a complete listing of helpful resources and radio archives.

Thanks for your prayers and generous financial support which allow us to keep MoneyWise on the air!

• “How can we reinvest investment profits without paying capital gains tax?”

• “Should we work to pay off student loans early?”
• “What is PMI insurance?”
• “Inherited a 50% share in business. Other half owned by unbeliever. Should I sell so I’m not unequally yoked?”
• "Should I cosign on a car loan for my daughter?"
• "Should a non-profit organization tithe on revenue?"