401K Advice

According to a recent survey by the Employee Benefit Research Institute, only 13% of workers are “very confident” about having enough savings for a comfortable retirement (confidence study, EBRI March 2011). The demise of traditional pensions or other employer-sponsored retirement plans has caused workers to rely solely on their 401K to build a retirement nest […]

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The Psychology of Investing

Investing should be easy; just buy low and sell high, right? But most of us have trouble following that simple piece of advice. Why is it so hard? It has to do with fear, greed and something called the “Investment Psychology Cycle.” As the market cycles upward, it draws investors in, but they may pay […]

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Benevolence & Justice

How do you respond when you see a man walking on the street between waiting cars with a sign stating “will work for food?” Is he seeking a handout to fuel his alcohol abuse or is he sincerely seeking help to change? Or what are your thoughts towards the single mom or widow who comes […]

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The Benefits of a Roth IRA

A Roth IRA is an individual retirement account that offers a valuable future benefit: tax-free income in retirement. Although there is no up-front tax deduction for Roth IRA contributions as there is with a traditional IRA, Roth distributions are tax-free in retirement… when you follow the rules. Imagine saving the maximum into a Roth IRA […]

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The Challenges of Retirement

In a recent North American survey by Allianz Life, more than 3 of 5 people between the ages of 44 and 75 said they worry more about running out of assets than about dying. Funding a 30 year retirement will take financial planning prowess as you juggle the effects of longevity, inflation, healthcare costs, taxes, […]

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Planning for College

With college costs increasing at twice the rate of inflation each year, most American families now intentionally view a college savings plan as a fiscal necessity, not an option. Today’s low cost four-year college will be $60,000 or more and a private school education will be $160,000. If you compound today’s price by the 8 […]

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Why to Invest

Investing. This topic generates more discussion and controversy than virtually any other in the financial arena. Almost everyone wants to know how to make the most money with the least risk. But for believers, the question should not be where to invest, or how to invest, but why to invest. Should Christians speculate with money, […]

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Buying a Home: Blessing or Burden

The home purchase decision is probably one of the most significant financial decisions a person will ever make. We must consider carefully if home ownership is within God’s timetable and will for us. We must face the following realities before making this decision. Owning a home may be the American dream, and is a privilege […]

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Is Tithing for Today?

Commentary Does the Bible teach that tithing (giving 10% of our income/increase) is the essential and enduring requirement for Christian giving? Christians through the years have supported this based on various scriptures, reasoning that since the Old Testament patriarchs like Abraham and Jacob gave tithes at certain times, then the practice must be God’s abiding […]

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Are You Financially Protected?

Whenever I have the opportunity to speak to groups or individuals on the subject of finance, I share two key scriptures of financial warning so that I can bring safeguards to those who will hear. These two scriptures call us not to be naïve, and to avoid financial mistakes that can cripple. The first scripture […]

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