Today on Money Wise, Steve Moore and Rob West review some of the best credit score apps. There are more than a dozen apps that let you check your score on the go, but which is best? Together, Rob and Steve review the pros and cons of some of the best. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My adult son would like to buy a new car, but he has no credit. What is the best way to do this?

-I am receiving conflicting advice on what to do with the cash value on a whole life insurance policy. Advice?

-My wife and I have been given 30wK. What is the best use of this 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 and get notifications about what we’re up to. 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

Today on Money Wise, Steve Moore and Rob West review some of the best credit score apps. There are more than a dozen apps that let you check your score on the go, but which is best? Together, Rob and Steve review the pros and cons of some of the best. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My adult son would like to buy a new car, but he has no credit. What is the best way to do this?

-I am receiving conflicting advice on what to do with the cash value on a whole life insurance policy. Advice?

-My wife and I have been given 30wK. What is the best use of this 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 and get notifications about what were up to. 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.

A recent survey revealed that the average household credit card debt is $5,700 with the average credit card interest rate topping out at 17 percent. With debt in tow heading into the new year, what steps can you take to lower your monthly credit card payments and get out of debt faster? Rob West and Steve Moore share a secret that credit card companies don’t want you to know. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- Since we may no longer be able to deduct our home equity loan interest on our taxes next year, should we refinance our mortgage and home equity loan into one deductible loan?

- I have $17k in unsecured debt and about $30k in vehicle loans. I’m running out of money before the end of the month, so where do I go from here?

- We just built a house and took out a 30-year loan. When we turn 70.5 and have to take our minimum distribution from our 401ks, should we take that to pay off the mortgage? We don’t think we’ll be needing the proceeds from the 401k to live on.

- We have two adult children with disabilities. What should we do in terms of our wills or a trust to take care of them?

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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, we’ll also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks!

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

A recent survey revealed that the average household credit card debt is $5,700 with the average credit card interest rate topping out at 17 percent. With debt in tow heading into the new year, what steps can you take to lower your monthly credit card payments and get out of debt faster? Rob West and Steve Moore share a secret that credit card companies dont want you to know. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- Since we may no longer be able to deduct our home equity loan interest on our taxes next year, should we refinance our mortgage and home equity loan into one deductible loan?

- I have $17k in unsecured debt and about $30k in vehicle loans. Im running out of money before the end of the month, so where do I go from here?

- We just built a house and took out a 30-year loan. When we turn 70.5 and have to take our minimum distribution from our 401ks, should we take that to pay off the mortgage? We dont think well be needing the proceeds from the 401k to live on.

- We have two adult children with disabilities. What should we do in terms of our wills or a trust to take care of them?

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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, well also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks!

Are you winging it with your finances? With a new year upon us, it might be time to take charge of your finances and prepare a spending plan, a.k.a. a budget. Budgeting can feel restrictive but it can do wonders for your overall financial picture. Rob West and Steve Moore cover the most commonly asked questions with regards to budgeting. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- I take care of a disabled lady who lives on $639/month. She recently sold her home and received $45k from the sale. What’s the best way to invest this money for her?

- I used to have a high credit score, but in the past two years and due to some poor choices, my score has dropped to the mid-600s. I’m now in debt and living on credit. Should I declare bankruptcy?

- I received an offer saying I qualify for the Student Loan Forgiveness program. Should I take them up on the offer?

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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, we’ll also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks!

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

Are you winging it with your finances? With a new year upon us, it might be time to take charge of your finances and prepare a spending plan, a.k.a. a budget. Budgeting can feel restrictive but it can do wonders for your overall financial picture. Rob West and Steve Moore cover the most commonly asked questions with regards to budgeting. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- I take care of a disabled lady who lives on $639/month. She recently sold her home and received $45k from the sale. Whats the best way to invest this money for her?

- I used to have a high credit score, but in the past two years and due to some poor choices, my score has dropped to the mid-600s. Im now in debt and living on credit. Should I declare bankruptcy?

- I received an offer saying I qualify for the Student Loan Forgiveness program. Should I take them up on the offer?

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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, well also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks!

Today on Money Wise, Steve Moore and Rob West discuss the value of employees with experience under their belts. They talk about how older workers can be the first to be phased out when companies are going through financial struggles and how some businesses are contradicting this idea with hiring older, more experienced workers. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My husband passed away last month and I received his life insurance policy. I’m not the best with money, how should I handle this?

-Should I cosign a loan for my girlfriend? She is an international student and is not able to get a loan.

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 and get notifications about what we’re up to. 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

Today on Money Wise, Steve Moore and Rob West discuss the value of employees with experience under their belts. They talk about how older workers can be the first to be phased out when companies are going through financial struggles and how some businesses are contradicting this idea with hiring older, more experienced workers. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

-My husband passed away last month and I received his life insurance policy. Im not the best with money, how should I handle this?

-Should I cosign a loan for my girlfriend? She is an international student and is not able to get a loan.

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 and get notifications about what were up to. 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.

They say Christmas is the most wonderful time of the year and it’s also when people are the most generous. In fact, Americans gave $410 billion to charities in 2017 alone. Rob West and Steve Moore welcome Michael King of the National Christian Foundation who talks about the tax benefits of year-end giving. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- Why should I hold off on claiming Social Security benefits at full retirement age rather than taking it at age 62?

- I just sold my condo for $120k. I need to know how to invest it. I’ve moved back in with family to care for my mother so I’m not sure whether I’ll be buying another house or not?

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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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, we’ll also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks, and Merry Christmas!

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

They say Christmas is the most wonderful time of the year and its also when people are the most generous. In fact, Americans gave $410 billion to charities in 2017 alone. Rob West and Steve Moore welcome Michael King of the National Christian Foundation who talks about the tax benefits of year-end giving. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

- Why should I hold off on claiming Social Security benefits at full retirement age rather than taking it at age 62?

- I just sold my condo for $120k. I need to know how to invest it. Ive moved back in with family to care for my mother so Im not sure whether Ill be buying another house or not?

-

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) and join the conversation. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. As a reminder, all gifts before the end of the year will be matched dollar for dollar. And as our way of saying thanks for any gifts of $100 or more, well also send you the Financial Stewardship Bible. If you'd like to help, just go to the website and click the Donate tab at the top of the page. Thanks, and Merry Christmas!