Howard Dayton

GAINESVILLE, Ga. (BP)--Is it financially wiser to buy a home that is a fixer-upper or one that is move-in ready?

GAINESVILLE, Ga. (BP)--A few years ago we called attention to the need for Americans to slow down a bit on the apparent obsession some of us have ...

GAINESVILLE, Ga. (BP)--What's the difference between a financial downturn and a recession?

GAINESVILLE, Ga. (BP)--Today, Americans are born into a world dominated by debt, and the majority has no concept that there actually was a time when excessive home mortgages, automobile loans, school loans and credit cards did not exist.

GAINESVILLE, Ga. (BP)--The United States has become a nation of pleasure-seekers without equal in the world.

GAINESVILLE, Ga. (BP)--There is a legend -- whether urban, suburban or rural -- about credit cards. It's brief and goes like this: A person must have one.

GAINESVILLE, Ga. (BP)--Most taxpayers submit tax returns or extension applications by April 15, but not all taxpayers submit error-free tax returns.

GAINESVILLE, Ga. (BP)--From October 31 onward it's impossible to forget that Christmas is coming. Before Thanksgiving, the red-coated man with the white beard and bag of toys is seen in stores and by mid-December, most homes are decorated, inside and out, with Christmas trees and lights.

GAINESVILLE, Ga. (BP)--Debt is something that we owe to someone else. God's Word doesn't say we can't borrow, but it does warn us against excessive debt, and that's called surety.

GAINESVILLE, Ga. (BP)--Generally, housing is a family's largest budget item, and often causes the largest financial problems. The reason is uncomplicated -- many families buy or rent houses they can't afford.