To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

So you finally decided to open an IRA. Good for you! Maybe your employer doesnt offer a retirement plan, or youve already maxed out your 401(k). Its the age-old question: should you open a traditional IRA or a Roth? Each has its advantages. Today on Moneywise, Rob West and Steve Moore welcome investing expert Mark Biller to determine which investment is right for you. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My father is a retired missionary, and he has been having a hard time keeping his finances straight since his retirement. How can I come alongside him to help him get things organized?

-My mother left me an inheritance of an irrevocable trust. Weve used the money to pay off our mortgage, so we are now debt free. The value of the trust is now insufficient for the trustee to continue administration. They now are going to distribute the remainder to me. Will I have any tax liabilities on that money?

-Which is better, a will or a trust?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Today on MoneyWise, Steve Moore and Rob West offer advice to college students looking for jobs. They discuss the best way to find the highest paying jobs in their area. They also talk about how to find a job that allows remote work.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-What is the best way to protect yourself financially?

-I have four children in college. We have to pay for one of them because he is out of state. He has tried to find a job, but it having difficulties doing so. What is the best way to get him to help out financially?

-How do debt consolidation companies work? Do they affect your credit?

-How do I legally get out of a timeshare?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today on MoneyWise, Steve Moore and Rob West offer advice to college students looking for jobs. They discuss the best way to find the highest paying jobs in their area. They also talk about how to find a job that allows remote work.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-What is the best way to protect yourself financially?

-I have four children in college. We have to pay for one of them because he is out of state. He has tried to find a job, but it having difficulties doing so. What is the best way to get him to help out financially?

-How do debt consolidation companies work? Do they affect your credit?

-How do I legally get out of a timeshare?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Once upon a time, it was difficult to get your credit score. You had to shell out some cash to get it. These days you can get it free and do it with the push of a button. But do you really know what you’re getting? Some fun facts today about credit scores. Today on Moneywise, Rob West and Steve Moore tell you what you don’t know about your credit score. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My husband and I think we should get some life insurance. Do you have suggestions on a reputable company to consider?

-I have a large amount of student loan debt, and my credit is awful. How do I get my debt and credit straightened out?

-I’m 70 years old and want to work full time for the rest of my life. My company pays my insurance. Am I required to sign up for Medicare?

-I owe $8,000 on my car. I normally put $300 per month into savings. Should I stop putting that money into savings and put it on the car?

-I need some advice on how to prioritize saving for college for our kids, paying off my husband’s student loan, and refinancing our home. Which is more important?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Once upon a time, it was difficult to get your credit score. You had to shell out some cash to get it. These days you can get it free and do it with the push of a button. But do you really know what youre getting? Some fun facts today about credit scores. Today on Moneywise, Rob West and Steve Moore tell you what you dont know about your credit score. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My husband and I think we should get some life insurance. Do you have suggestions on a reputable company to consider?

-I have a large amount of student loan debt, and my credit is awful. How do I get my debt and credit straightened out?

-Im 70 years old and want to work full time for the rest of my life. My company pays my insurance. Am I required to sign up for Medicare?

-I owe $8,000 on my car. I normally put $300 per month into savings. Should I stop putting that money into savings and put it on the car?

-I need some advice on how to prioritize saving for college for our kids, paying off my husbands student loan, and refinancing our home. Which is more important?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Today on MoneyWise, Steve Moore and Rob West are joined by Neile Simon, from Christian Credit Counselors, to discuss how to pay down your debt faster while minimizing the damage to your credit score. They also talk about how debt management actually works and how it is different from other operations.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I’ve been helping my mom sort through her finances. We’ve been finding bills from long ago. How far back do I need to go to get things sorted out?

-My husband and I have saved 20K. Should we continue to rent or look at buying a home?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Today on MoneyWise, Steve Moore and Rob West are joined by Neile Simon, from Christian Credit Counselors, to discuss how to pay down your debt faster while minimizing the damage to your credit score. They also talk about how debt management actually works and how it is different from other operations.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-Ive been helping my mom sort through her finances. Weve been finding bills from long ago. How far back do I need to go to get things sorted out?

-My husband and I have saved 20K. Should we continue to rent or look at buying a home?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

Just when authorities warn us about one scam targeted against seniors, the crooks come up with another one! There’s no doubt if you’re an elderly person, bad people want to separate you from your money. The latest is yet another ruse involving Social Security and tricking the elderly into giving up personal information. Today on Moneywise, Rob West and Steve Moore give us the details. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I bought a timeshare several years ago but we’re not using it as much anymore. We would like to get out from under the annual payments. When we try to get our names off the deed, we’re told that we have to pay a fee in order to get our names off. Is that right?

-My husband and I have some investments with a financial planner, but we’re looking for something where we can invest without the fees.

-I’d like to take some money out of my 401(k) account to pay down my mortgage so my wife can stop working. Is that a good idea?

-I have $10,000 in savings and $5,000 in a CD. Should I invest that $10,000 somewhere?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29

Just when authorities warn us about one scam targeted against seniors, the crooks come up with another one! Theres no doubt if youre an elderly person, bad people want to separate you from your money. The latest is yet another ruse involving Social Security and tricking the elderly into giving up personal information. Today on Moneywise, Rob West and Steve Moore give us the details. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-I bought a timeshare several years ago but were not using it as much anymore. We would like to get out from under the annual payments. When we try to get our names off the deed, were told that we have to pay a fee in order to get our names off. Is that right?

-My husband and I have some investments with a financial planner, but were looking for something where we can invest without the fees.

-Id like to take some money out of my 401(k) account to pay down my mortgage so my wife can stop working. Is that a good idea?

-I have $10,000 in savings and $5,000 in a CD. Should I invest that $10,000 somewhere?

Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources.You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

It’s Good Friday, a day when we reflect on the crucifixion of Christ and what exactly happened on that cross over 2000 years ago. A great transaction took place in fact, the greatest transaction of all time and in the process, the amount owed to pay for all of our sins was paid in full.Rob West and Steve Moore share some insights to help us understand what took place, then they answer your questions at (800) 525-7000 and [email protected] about the following:

I mentor a woman in our church who has over $50k in medical debt. She’s hoping to retire in 5 years and is therefore considering either refinancing her home to pay the debt, or filing for bankruptcy.What would you advise?

Husband recently passed away.Wife has been receiving letters and calls from various companies asking if she is the person responsible for the estate.How does she know if the claims are legit or not?

Couple has student loan debt and has been paying the minimum each month.Should they keep doing that, or should they accelerate getting that paid off, or should they begin putting money aside for their children’s education?

Caller had debt going to collections.He paid it off, but now another collection agency is calling him to say that he didn’t pay it in full. What must he do to sort this out?

At the end of the program, Steve mentioned the book,Simplifying the Money Conversation, by Ron Blue.You can find it on our website at MoneyWise.org.While you’re there, you can connect with a MoneyWise Coach or access our other books and many free helpful resources.If you’re active on social media, you can find us on Facebook (MoneyWise Media) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air.And if you'd like to help, just go to the website and click the Donate tab at the top of the page.

To support this ministry financially, visit: https://www.oneplace.com/donate/1085/29