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Howard Dayton returns to daily radio today, April 1, 2010 with 60 seconds of sound financial advice. Each day he provides practical, Biblical answers to financial questions. Dayton is an internationally recognized expert on how to handle your finances in a way which pleases God. He is the co=founder of Crown Financial Ministries and has recently founded Compass – finances God’s way. www.compass1.org

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“Debt Free” on your own. grn1234.com There is only one way to eliminate debt and that is for you to learn how to do this through John Schepcoff. You can become debt free, and reduce your debt very easy by listen to a 20 min. audio while you have the excel program open. If a person has 00 in debt, at 3% then it will take approx. 25 years 8 month to pay that off. I can show you the power of compound and having you contact your credit people finding the dates, and making more payment times but not more payments toward the credit card or debt that can be paid off in approx. 8 years 7 months. WOW! Take control of your life. Be the first in your family to become debt free. You do not need to consolidating debt like most people try to make you do. That is only putting money in the lenders pocket. Click on the website and watch all the video before you call me for help. go to my website. grn1234.com

TEACHING MONEY TO CHILDREN AND TEENS – ADVICE HELP INFO KIDS SAVING TIPS STRATEGY. Visit www.debit-free.us for more information

Hi, I’m 24 and have been working for about 2 years. I didn’t start saving money until I started working full time and have about 60K saved up sitting in my checking account right now. Reason being I don’t want to make the wrong choice and the 1% or so from a savings account doesn’t seem very attractive (my bank’s rate is actually only ~0.2%).

I am loan/debt free and don’t owe anyone money whatsoever. Calculating my expenses right now, I plan to be able to save an additional 50K/year.

It’s adding up and I feel totally lost in what I should do to maximize my interest earning potential. And advice would be greatly appreciated. I realize there is already a lot of information out there about how one should invest their money, but I thought I may be able to receive more of a ‘custom’ answer based on my financial situation and age. Appreciate everyone’s time and thought.
The problem I have with CDs is that I really do not like the idea of having my money locked in for a period of time for the interest rates given. Mutual funds seems like a good idea, and last time I looked into it, Vanguard mutual funds appears to be highly recommended but I never completely understood what the expected/average returns would be.

I’ve dated my ex for two years. We’ve always had problems with outside influences like family and friends. But when it’s just us two, everything feels so good and being anywhere else would be stupid. He’s my best friend and we connect in so many ways. I broke up with him because at the time i felt he wasn’t being honest to me and he was taking on too many outside opinions. On top of it he was drinking too much and i felt he was constantly trying to talk to other girls. But i learned a lot of those thoughts were do to my insecurities. A year went by and i found myself not being able to move on because i still had deep feeling for him. We started talking again but we rushed everything and he told me he needed to end what ever we had going because mentally he wasn’t ready to be in a relationship because he wasn’t happy with himself and he couldn’t make anyone happy in that state. It broke my heart because he made me believe he was ready but then told me he wasn’t. And because of that i feel depression in many aspects, feeling insecure and not good enough. I was at a point where i hated him, but thanks to a friend who helped me see his point of view i forgave him and told him we should just stop talking and maybe we could be friends in the future. He’s back now because i’ve let him back in. But he has changed in soo many ways. He seems more motivated in life and he’s stop drinking. He’s also almost debt free which was another problem we had. He seems more mature and responsible. The thing is tho he talks about wanting to get back together with me but not right away because he needs to focus on his goals of paying his debt before he can fully give himself to me. I don’t know weather i should trust him? If he’s not ready now, will he ever be? And a good part of me feels like he has too prove to me that he’s serious about really wanting to be with me? And on top of it all he says he’s scared of marriage because he doesn’t want to be hurt. I do have deep feelings for him and i can see ourselves living a happy life together. But is it worth all this? How do i trust he won’t break my heart again? or maybe he broke my heart because i broke his heart first? Please i clearly need some advice
PLEASE ANY ADVICE IS GREATLY APPRECIATED

I’ve dated my ex for two years. We’ve always had problems with outside influences like family and friends. But when it’s just us two, everything feels so good and being anywhere else would be stupid. He’s my best friend and we connect in so many ways. I broke up with him because at the time i felt he wasn’t being honest to me and he was taking on too many outside opinions. On top of it he was drinking too much and i felt he was constantly trying to talk to other girls. But i learned a lot of those thoughts were do to my insecurities. A year went by and i found myself not being able to move on because i still had deep feeling for him. We started talking again but we rushed everything and he told me he needed to end what ever we had going because mentally he wasn’t ready to be in a relationship because he wasn’t happy with himself and he couldn’t make anyone happy in that state. It broke my heart because he made me believe he was ready but then told me he wasn’t. And because of that i feel depression in many aspects, feeling insecure and not good enough. I was at a point where i hated him, but thanks to a friend who helped me see his point of view i forgave him and told him we should just stop talking and maybe we could be friends in the future. He’s back now because i’ve let him back in. But he has changed in soo many ways. He seems more motivated in life and he’s stop drinking. He’s also almost debt free which was another problem we had. He seems more mature and responsible. The thing is tho he talks about wanting to get back together with me but not right away because he needs to focus on his goals of paying his debt before he can fully give himself to me. I don’t know weather i should trust him? If he’s not ready now, will he ever be? And a good part of me feels like he has too prove to me that he’s serious about really wanting to be with me? And on top of it all he says he’s scared of marriage because he doesn’t want to be hurt. I do have deep feelings for him and i can see ourselves living a happy life together. But is it worth all this? How do i trust he won’t break my heart again? or maybe he broke my heart because i broke his heart first? Please i clearly need some advice

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