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10 Motivating Reasons to Get Out of Debt

[With a new year upon us, you have a fresh opportunity to make significant financial progress. Here are 10 reminders as to why you should make it a priority to attack your debt load in 2016 as never before. – AP] Before
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Credit Scores Come in Different Flavors — Which Is Best?

Your use of credit is an open book. Your credit history including a record of your past borrowing, repayment history, and the current status of all your credit relationships is constantly monitored and updated by
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Why Credit Cards Trump Debit Cards

For many years, popular personal finance teaching, especially in churches, has steered people away from credit cards and toward debit cards. But recent credit and debit card data breaches, such as the massive one
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Paying With Plastic – Safely

Recent large scale thefts of credit- and debit-card information from Target, Michael's, Neiman Marcus, and other retailers have left many people wondering if it is safe to continue paying with plastic. The thefts have also
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Your Credit Report: What You Don’t Know Can Hurt You

Checking your credit report may seem about as exciting as flossing your teeth, but it's essential to your financial health. The information it contains can affect everything from your employability to your insurability.
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Avoiding Student Loan Default

Many people are struggling under the weight of their student loans. But with numerous repayment options available, at least for those with federal student loans, there's no reason to default. This article offers guidance
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Making Sure Your House Doesn’t Own You

During the last recession, many people discovered — all too painfully — that they had stretched too far in pursuit of a central part of the American Dream: home ownership. Today, however, with mortgage rates just off their
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Is a Reverse Mortgage Right For You?

Anyone in or near retirement who has plenty of home equity but not enough income has likely heard the reverse mortgage (RM) sales pitch: "Unlock" some of that equity, taking it tax-free with no obligation to pay it back
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Living With Eternity in View

[The Navigating Your Finances God's Way small group study by Howard Dayton of Compass – finances God's way is designed to "equip people to faithfully apply God's financial principles so they may know Christ more
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Financial Deceptions – Part 1

Often I am asked, "How do we get out of debt and stay out?" My advice is simple but not simplistic. More deception (most of it unintended) is perpetrated by accountants, bankers, business schools, and businessmen
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