Money & Finance

Dave Says: When to Buy Life Insurance

Money - CBN - Tue, 11/21/2017 - 09:12

Dear Dave,

I’ve noticed that the younger you are, the less expensive life insurance can be. I’m 32, and I’m still paying off my student loans. With this in mind, what’s the best age to get term life insurance, and what does it cover?

Kalina

Dear Kalina,

Categories: Money & Finance

Dave Says: What is the Difference Between a Credit Union and a Bank?

Money - CBN - Thu, 11/02/2017 - 12:30

What’s the difference between a credit union and a bank?

Categories: Money & Finance

5 Money Saving Tricks for a Happier Halloween

Money - CBN - Wed, 10/25/2017 - 14:44

We love Halloween. What other night can you dress like a hot dog and eat all your favorite childhood sweets without having someone judge you? The problem is, we may love it a little too much.

According to the National Retail Federation, Americans will spend around $9.1 billion — that’s “billion” with a “b” — on Halloween this year. If you’re tight on cash, that figure may sound scary. The good news is you can spend as little as you like, and still have a great time.

1. The Costume Games

Categories: Money & Finance

12/13 - Co-Signing

Money - Crown Devotion - Tue, 12/13/2011 - 01:00
Cosigning means to pledge your assets against the debts of someone else. Scripture specifically forbids this when it speaks of surety or striking of hands. Christians cosign either out of ignorance of what God's Word teaches or out of misguided conviction and guilt. "He who is surety for a stranger will surely suffer for it, but he who hates going surety is safe." (Proverbs 11:15 NASB).
Categories: Money & Finance

12/13 - Co-Signing

Money - Crown Devotion - Tue, 12/13/2011 - 01:00
Cosigning means to pledge your assets against the debts of someone else. Scripture specifically forbids this when it speaks of surety or striking of hands. Christians cosign either out of ignorance of what God's Word teaches or out of misguided conviction and guilt. "He who is surety for a stranger will surely suffer for it, but he who hates going surety is safe." (Proverbs 11:15 NASB).
Categories: Money & Finance

12/12 - Christmas Downscaling

Money - Crown Devotion - Mon, 12/12/2011 - 01:00
Christmas down scaling suggestion: Exchange gift lists to discourage duplication. "For by grace you have been saved through faith; and that not of yourselves, it is the gift of God;" (Ephesians 2:8 NASB).
Categories: Money & Finance

12/11 - Give Your Spending Habits to God

Money - Crown Devotion - Sun, 12/11/2011 - 01:00
Put all spending under God's control. With God's guidance, any bad habit can be broken. "For the love of money is a root of all sorts of evil, and some by longing for it have wandered away from the faith, and pierced themselves with many a pang." (1 Timothy 6:10 NASB).
Categories: Money & Finance

12/10 - Investing and Leverage

Money - Crown Devotion - Sat, 12/10/2011 - 01:00
When investing, avoid the use of leverage--the ability to control a large asset with a relatively small investment. If you buy property for $10,000 and pay $1,000 down, that's a nine-to-one lever. You invested 10 percent of your money and borrowed 90 percent. Borrowing money to invest is not a scriptural principle. "Do not be among those who give pledges, among those who become sureties for debts. If you have nothing with which to pay, Why should he take your bed from under you?."
Categories: Money & Finance

12/9 - Commercial Christmas

Money - Crown Devotion - Fri, 12/09/2011 - 01:00
Even the most dedicated Christians can be duped into commercializing the season set aside to honor the birth of Christ. "He who overcomes, I will grant to him to sit down with Me on My throne, as I also overcame and sat down with My Father on His throne." (Revelation 3:21 NASB).
Categories: Money & Finance

12/8 - Paying Back

Money - Crown Devotion - Thu, 12/08/2011 - 01:00
Do everything possible to insure that the borrower has been given every opportunity to repay what is due. It may mean devising a barter-work plan. "And just as you want men to treat you, treat them in the same way." (Luke 6:31 NASB).
Categories: Money & Finance

12/7 - Christmas Giving

Money - Crown Devotion - Wed, 12/07/2011 - 17:57
One suggestion for Christmas giving is to settle on the amount you will spend and then commit at least a tithe of that amount to greater causes. "Bring the whole tithe into the storehouse, so that there may be food in My house, and . . . I will . . . pour out for you a blessing until there is no more need." (Malachi 3:10 NASB).
Categories: Money & Finance

12/2 - Your Priorities

Money - Crown Devotion - Fri, 12/02/2011 - 01:00
Commit everything to the service of God's kingdom. "No one, after putting his hand to the plow and looking back, is fit for the kingdom of God." (Luke 9:62 NASB).
Categories: Money & Finance

12/1 - Down Scaling at Christmas

Money - Crown Devotion - Thu, 12/01/2011 - 01:00
Christmas down scaling suggestion: Agree with your spouse to purchase a combined gift instead of buying separate gifts for each other. "And whatever we ask we receive from Him, because we keep His commandments and do the things that are pleasing in His sight." (1 John 3:22 NASB).
Categories: Money & Finance

11/30 - Saving Money at Christmas

Money - Crown Devotion - Wed, 11/30/2011 - 01:00
One of the best ways to save money at Christmas is buying right after the Christmas season and all throughout the year. "She girds herself with strength, and makes her arms strong. She senses that her gain is good; her lamp does not go out at night." (Proverbs 31:17-18 NASB).
Categories: Money & Finance

11/29 - Goals for Children

Money - Crown Devotion - Tue, 11/29/2011 - 01:00
It is necessary for parents to establish some short-term goals for their children to help them see the purpose and logic of saving money. "Train up a child in the way he should go, even when he is old he will not depart from it." (Proverbs 22:6 NASB).
Categories: Money & Finance

11/12/2011 - Too Much Spending

Money - Crown Devotion - Sat, 11/12/2011 - 01:00
Too much spending can rob surplus funds, but too little is self-punishment. "These are matters which have, to be sure, the appearance of wisdom in self-made religion and self-abasement and severe treatment of the body, but are of no value against fleshly indulgence." (Colossians 2:23 NASB).
Categories: Money & Finance

11/11/2011 - Scriptural Principles

Money - Crown Devotion - Fri, 11/11/2011 - 01:00
One way to relieve tension temporarily is to pretend that no problem exists. Business owners have been known to manipulate every conceivable angle in an attempt to prolong the life of a hopeless business even one more day. They hoped that some miracle would reverse the situation. I believe in miracles, but I have observed that God does not violate His scriptural principles to accomplish His goals; He always follows his own rules. "Blessed art Thou, O Lord:... I will meditate on Thy precepts, and regard Thy ways. I shall delight in Thy statues; I shall not forget Thy word." (Psalm 119:12,15-16 NASB).
Categories: Money & Finance

11/10/2011 - Car Insurance

Money - Crown Devotion - Thu, 11/10/2011 - 01:00
If you elect to carry collision insurance on your car the difference between a $100 deductible or a $500 deductible can be as much as half the annual premium. "The mind of man plans his way, but the Lord directs his steps." (Proverbs 16:9 NASB).
Categories: Money & Finance

11/9/2011 - Marriage and Money

Money - Crown Devotion - Wed, 11/09/2011 - 01:00
I've never counseled a couple who said, 'Our five-year goal was to get miserably into debt, hate each other, stop praying and attending church, and now we're right where we want to be.' Yet, that's where a lot of couples are. The way to avoid such a disaster is to never let it happen in the first place. "I entreated Thy favor with all my heart: be gracious to me according to Thy word. I considered my ways, and turned my feet to Thy testimonies. I hastened and did not delay to keep Thy commandments." (Psalm 119:58-60 NASB).
Categories: Money & Finance

11/8/2011 - Accumulation

Money - Crown Devotion - Tue, 11/08/2011 - 23:00
The accumulation of money is a major deterrent to a humble spirit. The tendency is to desire to be served rather than to serve. "It is not so among you, but whoever wishes to become great among you shall be your servant, and whoever wishes to be first among you shall be your slave;" (Matthew 20:26-27 NASB).
Categories: Money & Finance

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