Category Archives for "Home & Mortgage"

Ask Chuck – Buying a House

Dear Chuck, My wife and I have been renting for five years and want to buy a home. Could you share any tips so we can make a wise decision? Hopeful Homeowner   Dear Hopeful, I commend you for seeking counsel in what’s typically the largest purchase of a lifetime. Assuming you’ve compared the costs […]

How to Save for Retirement

As Americans, we have developed somewhat of a mania about retirement. Much of that is due to the fact that people are not prepared: The #1 financial regret of older Americans is that they didn’t save for retirement sooner The median amount saved for retirement among American families is only $5,000 And almost a quarter […]

5 Things You Should Spend Money on to Save

Dear Chuck, I’ve been following Crown Financial Ministries for years and appreciate your advice on avoiding debt and putting God first through tithing, but is there ever a time when you SHOULD spend money? Just Curious   Dear Curious, The short answer to your question is YES. Let me offer two times when it is […]

The Secret to a Happy Retirement

If you aren’t already there, you will someday face retirement. Want to know a secret shared by the happiest retirees? Author Wes Moss, at TheBalance.com documents the results he found among retirees. When their mortgages are paid off, their happiness levels rise. Quote: “All the successful retirees I know who are living out their dreams […]

The Biggest Financial Regrets of Americans…And How To Avoid Them

Catey Hill at Marketwatch.com recently reported, “Many Americans are filled with regrets – financial regrets.” In fact, 3 out of 4 harbor regrets, according to a recent survey by Bankrate.com. Sadly, the biggest regret is not saving enough for retirement early enough. The other regrets in descending order are: Not saving enough for emergency expenses […]

4 Reasons to List Your Home During the Holidays

Recently I shared some good reasons to buy a home at year end. Today, I want to share why it is good to list your home for sale during November and December. Three years ago, we sold our home in November after listing it with Nikki Bonds. She is a successful realtor with some good […]

The Good, the Bad, and the Ugly of Reverse Mortgages

Originally posted on the Christian Post on September 30. Dear Chuck, My elderly parents are considering a reverse mortgage because they are struggling on a fixed income. Is that a good idea? Could it do more harm than good? Worried for Mom and Dad Dear Worried, I share your concerns about reverse mortgages, called “the ugly […]

5 Things You Should NOT Use Debt To Pay For

We live in a culture where debt is assumed to be essential for everything. The Bible tells us that the borrower is a slave to the lender so we should be vigilant in our efforts to avoid becoming financial slaves.  Here are the things I would not use debt to purchase: A Car. Financing something […]

How to Avoid Over-Housing

Forbes contributor, Joshua Becker, asks, do you really need that much home? His insightful article points out that we regularly only use 40% of our living space. Yet, Americans carry high mortgages and live with the stress of financial burden. More is not always better. A small home is typically less expensive, easier to maintain […]

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