Dec 03 2014

Tips for Holiday Travel and Police Officers Give Family a Christmas Surprise

Four Year Old Gets Mini Truck To Deliver Christmas Packages


Now's The Time To Book That Trip



 Officer Surprise Family With Christmas Tree


In other news...

Giving Tuesday Raises $46 Million For Charities

Restaurant Tricks That Sabotage Weight Loss

1 Million Dollar Bake Off Prize!


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Dec 02 2014


 And The Top Baby Names For 2014 Are...



Man Feeds 125 With Unlimited Olive Garden Food Pass 


Giving Tuesday Gets Boost With Virtual Giving Tower




In other news...

 Before You Give, Check Out A Charity's Rating

How To Buy And Take Care Of A Christmas Tree

Shark Jumps Out To Photobomb Surfing Picture

 Give Back While Hosting A Get Together  

     Three Year Old's Donation Goes Viral    

Eat Well And Do Good 

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Dec 01 2014

Cyber Monday Deals and a Christmas Gift that turned into a Spouse

The Best Easiest 2014 Cyber Monday Shopping Hacks


More ABC US news | ABC World News


Thins Mints Go Digital! Girls Scouts Haul Their Cookies Online



Visit for breaking news, world news, and news about the economy


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14 Years After Receiving Shoebox Gift, Filipino Girl Marries the Boy Who Sent It

Airline: "Emotional Support" Pig Kicked Off Flight for Being Disruptive

See The Ugly Christmas Sweater Suits Selling out online

Fliers Tell Of Mile-Long Security Line in Chicago on Sunday

More Than Half of Babies Sleep In Unsafe Spaces

5 Ways To Save Like A Nerd On Cyber Monday

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Louie Giglio Devotion




If we are honest, we all hate to wait. In fact, most often we say something like, “I can’t believe this is taking so long; it’s costing me time I don’t have!” That’s because most of us consider waiting to be wasting. But it’s not so with our God.

God works while we wait. Even when you can’t see what He is doing, God is always orchestrating the events of heaven and earth to accomplish His purposes for your life. Trust in His unfailing love—love that moved Him to send a Savior from heaven to restore and rescue you. God’s plans for your life will not be thwarted. Wait patiently, knowing that waiting is never wasted when you are waiting on God.


Come Thou Long Expected Jesus

Come, Thou long expected Jesus
Born to set Thy people free;
From our fears and sins release us,
Let us find our rest in Thee
Israel’s Strength and Consolation,
Hope of all the earth Thou art;
Dear Desire of every nation,
Joy of every longing heart.

Born Thy people to deliver,
Born a child and yet a King,
Born to reign in us forever,
Now Thy gracious kingdom bring.
By Thine own eternal Spirit
Rule in all our hearts alone;
By Thine all sufficient merit,
Raise us to Thy glorious throne.

Charles Wesley, 1707–1788


Father, I am here waiting for You. My heart and hands are open to Your purposes and plans for my life. Give me the patience I so desperately need and lead me in my waiting. Though my feelings may not be there just yet, I believe You are moving on my behalf right this minute, protecting, defending, preparing, providing. Give me grace to keep trusting in You in the face of the gale force winds of doubt that are blowing all around me. Anchor my heart in You. Amen.


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Ellie Kay on VA loans and credit card interest rates
Mar 24 2011

Ellie Kay on VA loans and credit card interest rates

Every week, we check in with Ellie Kay, America's Family Financial Expert ( Today, she talked about VA loans as well as credit card interest rates and what to do if your rate is raised suddenly. Got a question for Ellie Kay? Feel free to leave it here or email us:

Click here to listen to Ellie's tips on VA loans

Click here to listen to info about Credit Card Interest Rates

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Comments (3) -

3/24/2011 4:41:50 PM
elisabeth United States
We bought a house about a year ago & have been paying an extra $100 each month on the principle. At the end of 2010 we got a notice that our mortgage payment went down about $18. We are still paying the same payment each month as we did all last year. Is that wise? Is there anything else you might suggest. Looking forward to your advice.
3/24/2011 5:09:49 PM
Richard United States
Hi Ellie,

I have a 7 year ARM mortgage that has just finished it's 7 year period this month. Last year I lost my job when the company I was working for closed it's doors. I've currently got a short contract job (3 months). Will I be able to refinance even though I have a contract job? If so, do I reduce my chances of getting a good rate without a permanent job?

3/24/2011 5:41:00 PM
Dee Dee United States
Dee Dee
I was sorry to hear the advice Ellie gave the VA homebuyer.  VA is for 1st time homebuyers and allows 100% financing.  Why would someone suggest a borrower put all their money in their home, try to go 15 years and leave a payment outstanding on a car.  With our current econimic market it is very hard to get any equity out of your home unless you refinance.  This is costly and uses a portion of the equity in your home.  Why go 15 years, why not pay extra toward the principal.  You can pay toward the balance but at same time not be strapped with 15 year mortgage should financial position change such as loosing a job. Lastly many first time homebuyers have credit scores in 600 to 640 range.  No matter how much one puts down on a conventional loan the rate is not going to be as good as VA unless your score is in excess of 740.  It is always wise to keep money in other financial investments so that you have access to the funds.  Yes it is good to own your home free and clear but a home increases in value regardless of home much you owe on it.  I believe Ellie is out of touch with what best meets the needs of most homebuyers.  Sorry so many are listening to advice that is not realistic or financially to the best benefit of a homebuyer.    
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