Thanks to the Tax Cuts and Jobs Act, itemized deductions are a thing of the past now for millions of taxpayers who once filled out Schedule A on their returns. But that doesnt mean you have to be one of them. Plenty of deductions are still available if you can rightfully claim enough of them to exceed the new higher standard deductions. Today on Moneywise, Rob West and Steve Moore talk us through the new tax laws. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

Im a college student, and Ive done some research on some online budgeting tools. What do you think is the best option?

I have a special needs daughter. I have some annuities, and I want to make sure that when I die, she will be able to use those annuities without risk. How do assure that she will be best taken care of after I die?

Im the executor of my moms estate. She is still living, and she wants to go over the things that need to be done. Is there a checklist that will help me know how to carry out this job?

I have $10,000 in an account for public employees. Ive seen it go up for the past few years, but my recent statement shows that its lost money. Should I go in there and move some things around? Or should I wait it out a little longer?

Be sure to check out our 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 (MoneyWise Media). 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 be honest, the Bible doesn’t address every aspect of managing our money. However, there are some things that are discussed many times, and borrowing is one of them. Today on Moneywise, Rob West and Steve Moore talk to author and speaker Ron Blue about some wise rules for borrowing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I checked my credit score and looked at the details. Based on my credit score, I am being offered credit cards that can help my credit score. Which is better? One of those cards, or a secured credit card?

What is the best way to start a budget when you have low income?

I have an IRA and I’m doing the required minimum distribution each year. I read that it’s possible to make a contribution from my IRA and not pay taxes on the donation. What steps do I need to take in order to do it?

I would like to roll over my IRA into a Roth IRA. How do I go about that?

Be sure to check out our 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 (MoneyWise Media). 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 be honest, the Bible doesnt address every aspect of managing our money. However, there are some things that are discussed many times, and borrowing is one of them. Today on Moneywise, Rob West and Steve Moore talk to author and speaker Ron Blue about some wise rules for borrowing. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I checked my credit score and looked at the details. Based on my credit score, I am being offered credit cards that can help my credit score. Which is better? One of those cards, or a secured credit card?

What is the best way to start a budget when you have low income?

I have an IRA and Im doing the required minimum distribution each year. I read that its possible to make a contribution from my IRA and not pay taxes on the donation. What steps do I need to take in order to do it?

I would like to roll over my IRA into a Roth IRA. How do I go about that?

Be sure to check out our 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 (MoneyWise Media). 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.

One thing’s for sure: the stock market has been anything but boring over the past few months. Dramatic ups and downs have had investors on the edge of their seats. So the question is, what happens next? . Today on Moneywise, Rob West and Steve Moore talk to Mark Biller of Sound Mind Investing. He can’t predict the future, but he can tell us where we are now. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I have an adult child who continues to run out of money. We’ve helped him in the past, but it has become cyclical. We want to help him break the cycle, but we’re not having much success. What do you suggest?

My bank recently told me that my savings account has gone dormant. Can you explain what that is? And what should I do about it?

I’m 79 and a recent widow. I don’t have any outstanding debt, and my husband left me a life insurance policy of $350,000. What should I do with that money?

Be sure to check out our 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 (MoneyWise Media). 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

One things for sure: the stock market has been anything but boring over the past few months. Dramatic ups and downs have had investors on the edge of their seats. So the question is, what happens next? . Today on Moneywise, Rob West and Steve Moore talk to Mark Biller of Sound Mind Investing. He cant predict the future, but he can tell us where we are now. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I have an adult child who continues to run out of money. Weve helped him in the past, but it has become cyclical. We want to help him break the cycle, but were not having much success. What do you suggest?

My bank recently told me that my savings account has gone dormant. Can you explain what that is? And what should I do about it?

Im 79 and a recent widow. I dont have any outstanding debt, and my husband left me a life insurance policy of $350,000. What should I do with that money?

Be sure to check out our 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 (MoneyWise Media). 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.

There are two types of people in the world: Those whose finances stay safely afloat, and those who sink slowly but surely into debt.Surprisingly, the difference has little to do with how much they earn.Today, Rob West and Steve Moore show you how to properly inflate your Financial Lifeboat better known as your Emergency Fund so you’re better prepared for life’s unexpected storms.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I am a veteran and I have a heart for military charities. I recently began to notice that when I get fundraising letters, I see different return addresses on the letters from the same organization. Should that concern me? Are some of them fraudulent?

I’m curious about dollar-cost averaging when it comes to my investing. Is that wise?

Do you have any suggestions when both spouses aren’t good about paying bills and keeping track of our financial life?

I’m 67 and debt free. I was laid off last November, and now have a part time job. My current income doesn’t meet my monthly expenses. How can I better manage my money?

I’m retirement age and have no debt. I have over a million in the stock market, but I’m wondering if I should cash that stock in and invest in bonds instead.

At the end of the program, Steve mentioned the book,Simplifying the Money Conversation, by Ron Blue.You’ll 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.You can also 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

There are two types of people in the world: Those whose finances stay safely afloat, and those who sink slowly but surely into debt.Surprisingly, the difference has little to do with how much they earn.Today, Rob West and Steve Moore show you how to properly inflate your Financial Lifeboat better known as your Emergency Fund so youre better prepared for lifes unexpected storms.Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

I am a veteran and I have a heart for military charities. I recently began to notice that when I get fundraising letters, I see different return addresses on the letters from the same organization. Should that concern me? Are some of them fraudulent?

Im curious about dollar-cost averaging when it comes to my investing. Is that wise?

Do you have any suggestions when both spouses arent good about paying bills and keeping track of our financial life?

Im 67 and debt free. I was laid off last November, and now have a part time job. My current income doesnt meet my monthly expenses. How can I better manage my money?

Im retirement age and have no debt. I have over a million in the stock market, but Im wondering if I should cash that stock in and invest in bonds instead.

At the end of the program, Steve mentioned the book,Simplifying the Money Conversation, by Ron Blue.Youll find it on our website at MoneyWise.org.While youre there, you can connect with a MoneyWise Coach or access our other books and many free helpful resources.You can also 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.

Are you buried in paper? Never sure which receipts, statements and documents to hang on to? And for how long? Well you’re not alone. Many of us struggle with paper clutter. On this edition of MoneyWise, Steve Moore and Rob West help you dig out of that paper avalanche and put a filing system in place to keep it from happening again.They cover how to deal with privacy when it comes to documents that contain personal information, and how to set up a 3-drawer system based on how long you need to keep certain documents.

Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

Should we take money from a 401k to help pay for a second home we’re looking to buy in anticipation of move into it when we retire?

What happens when you contribute more to a Roth 401k in a year than the IRS allows?

Would an annuity be a good investment vehicle for someone in her early 60s looking for regular monthly income in retirement?

How should I set up my estate to make sure my grandchild is cared for when I’m gone?I’m raising her because her parents are not in the picture.

Be sure to check out 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.You can also 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

Are you buried in paper? Never sure which receipts, statements and documents to hang on to? And for how long? Well youre not alone. Many of us struggle with paper clutter. On this edition of MoneyWise, Steve Moore and Rob West help you dig out of that paper avalanche and put a filing system in place to keep it from happening again.They cover how to deal with privacy when it comes to documents that contain personal information, and how to set up a 3-drawer system based on how long you need to keep certain documents.

Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

Should we take money from a 401k to help pay for a second home were looking to buy in anticipation of move into it when we retire?

What happens when you contribute more to a Roth 401k in a year than the IRS allows?

Would an annuity be a good investment vehicle for someone in her early 60s looking for regular monthly income in retirement?

How should I set up my estate to make sure my grandchild is cared for when Im gone?Im raising her because her parents are not in the picture.

Be sure to check out our website at MoneyWise.org.While youre there, you can connect with a MoneyWise Coach or access our other books and many free helpful resources.You can also 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.

If you’re in the market to buy a house, odds are family and friends have given you plenty of advice on how to land your dream home. The problem is, some free advice is only worth what you pay for it. Today on Moneywise, Rob West and Steve Moore will debunk some of the bad mortgage advice you may hear. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- I have an adult child who continues to run out of money. We’ve helped him in the past, but it has become cyclical. We want to help him break the cycle, but we’re not having much success. What do you suggest?

-My bank recently told me that my savings account has gone dormant. Can you explain what that is? And what should I do about it?

-I’m 79 and a recent widow. I don’t have any outstanding debt, and my husband left me a life insurance policy of $350,000. What should I do with that money?

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