A man steps up to the counter in the bank and says Reach for the sky! This is a stickup! Unfortunately, the man works for the bank and the person being robbed is you!

Banks aren’t doing anything illegal but there are some bank offerings that are not in the customer’s best interest and you might want to consider opting out of some of them. They include:

Overdraft protection and it’s excessive fees

1. Allows you to overspend while charging huge fees when it happens.

2. In some cases, one instance of overdraft protection can cost as much as 240% of the original intended purchase.

3. Can have the effect of making you financially lazy.

4. You can use mobile apps or budgeting programs that allow you to get instant balance notifications and head off NSF charges.

5. You can place early warning notifications on your bank accounts that allow you to take preemptive corrective action when your account dips too low.

ATM’s -- Banks charge up to $4.50 for single transactions outside your bank’s network

Money transfer fees -- there are several free options through third party outfits

Foreign transaction fees -- Check banks that offer Fee Free transactions

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

From Muskegon Michigan, Betty calls about how to translate the figures of what she owes into a working budget.

Al from Tampa, Florida wonders if he should pay his student loan by taking out a loan on his 401(k).

Rosa from Chicago calls to find out how much she should reveal about her finances to her ten-year-old son.

Sheila calls from Indianapolis, Indiana asking if she should change to a company for her investments that has a less aggressive investment trading philosophy.

Want to read a good book on money? How about the original good book the Bible. There are over 2300 verses in God’s word that reference money and possessions. The Financial Stewardship Bible from the American Bible Society covers topics like buying, selling, saving, investing, generosity, provision, teaching children about money, work, career, honesty and attitude plus a 40 day devotional written by Howard Dayton. Find this and other resources when you scroll to the bottom of the home page at https://moneywise.org.

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

A man steps up to the counter in the bank and says Reach for the sky! This is a stickup! Unfortunately, the man works for the bank and the person being robbed is you!

Banks arent doing anything illegal but there are some bank offerings that are not in the customers best interest and you might want to consider opting out of some of them. They include:

Overdraft protection and its excessive fees

1. Allows you to overspend while charging huge fees when it happens.

2. In some cases, one instance of overdraft protection can cost as much as 240% of the original intended purchase.

3. Can have the effect of making you financially lazy.

4. You can use mobile apps or budgeting programs that allow you to get instant balance notifications and head off NSF charges.

5. You can place early warning notifications on your bank accounts that allow you to take preemptive corrective action when your account dips too low.

ATMs -- Banks charge up to $4.50 for single transactions outside your banks network

Money transfer fees -- there are several free options through third party outfits

Foreign transaction fees -- Check banks that offer Fee Free transactions

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

From Muskegon Michigan, Betty calls about how to translate the figures of what she owes into a working budget.

Al from Tampa, Florida wonders if he should pay his student loan by taking out a loan on his 401(k).

Rosa from Chicago calls to find out how much she should reveal about her finances to her ten-year-old son.

Sheila calls from Indianapolis, Indiana asking if she should change to a company for her investments that has a less aggressive investment trading philosophy.

Want to read a good book on money? How about the original good book the Bible. There are over 2300 verses in Gods word that reference money and possessions. The Financial Stewardship Bible from the American Bible Society covers topics like buying, selling, saving, investing, generosity, provision, teaching children about money, work, career, honesty and attitude plus a 40 day devotional written by Howard Dayton. Find this and other resources when you scroll to the bottom of the home page at https://moneywise.org.

What should our reasons be to retire? And golf and bass fishing don’t count! Today on MoneyWise, Steve Moore and Rob West discuss what the Bible says about retirement. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

Our adult daughter is in some financial trouble. She called us the other night and said she was thinking of just turning her car in. How can I help her?

My husband and I have been searching for a home. One of the houses we found is in foreclosure. When we dug deeper, we realized that someone who does important charitable work in our community owns the home. Is there anything we can do to help her save her home?

The lease on my car is almost up. Is it a good idea to buy the car at that point?

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. 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

What should our reasons be to retire? And golf and bass fishing dont count! Today on MoneyWise, Steve Moore and Rob West discuss what the Bible says about retirement. Next, they answer your questions at (800) 525-7000 and [email protected] about the following:

Our adult daughter is in some financial trouble. She called us the other night and said she was thinking of just turning her car in. How can I help her?

My husband and I have been searching for a home. One of the houses we found is in foreclosure. When we dug deeper, we realized that someone who does important charitable work in our community owns the home. Is there anything we can do to help her save her home?

The lease on my car is almost up. Is it a good idea to buy the car at that point?

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. 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 Money Wise, Steve Moore and Rob West discuss the Biblicalapproach on where and to whom we should give our money. Rob offers hisadvice on where to give based on what the Bible says about giving tothe church, organizations that are on the heart of God, and peoplethat are truly in need. They also discuss how to make a plan for agiving strategy in your life. Next, they answer your questions at(800) 525-7000 [email protected] the following:- Where should I invest my social security?- How much should I rely on my pension for retirement?- Should I invest in silver or gold?Be sure to check out our new website atmoneywise.orgto connect witha Compass Coach or access our books, videos, or any of our freehelpful resources. You can also find us on Facebook and getnotifications about our weekly Facebook Live events. Thanks for yourprayerful 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 Donatetab 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 Biblicalapproach on where and to whom we should give our money. Rob offers hisadvice on where to give based on what the Bible says about giving tothe church, organizations that are on the heart of God, and peoplethat are truly in need. They also discuss how to make a plan for agiving strategy in your life. Next, they answer your questions at(800) 525-7000 [email protected] the following:- Where should I invest my social security?- How much should I rely on my pension for retirement?- Should I invest in silver or gold?Be sure to check out our new website atmoneywise.orgto connect witha Compass Coach or access our books, videos, or any of our freehelpful resources. You can also find us on Facebook and getnotifications about our weekly Facebook Live events. Thanks for yourprayerful 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 Donatetab at the top of the page.

Many people need help setting up a budget. One of the things that causes the most trouble is the unexpected expense. Rob West and Steve Moore explain that most expenses really are expected. For example, we don’t know when the car is going to break down. But we do know it eventually will! So setting up a budget for car repairs is just a matter of planning ahead. Sometimes things do happen that are far outside of what we would expect. We need to be saving on a regular basis to help cover those expenses. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

My husband and I want to send our kids to private school. We’re wondering if it would be a good idea to sell our house to pay for their schooling.

I’m a widow and debt-free. I own a property out of state that brings me a monthly income. I’m wondering if I should sell that building.

We want to sell our house and are wondering if it would be wise to take out a home equity loan to pay for some of the projects that need to be done on the house.

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. 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

Many people need help setting up a budget. One of the things that causes the most trouble is the unexpected expense. Rob West and Steve Moore explain that most expenses really are expected. For example, we dont know when the car is going to break down. But we do know it eventually will! So setting up a budget for car repairs is just a matter of planning ahead. Sometimes things do happen that are far outside of what we would expect. We need to be saving on a regular basis to help cover those expenses. Next, Rob and Steve answer your questions at (800) 525-7000 and [email protected] about the following:

My husband and I want to send our kids to private school. Were wondering if it would be a good idea to sell our house to pay for their schooling.

Im a widow and debt-free. I own a property out of state that brings me a monthly income. Im wondering if I should sell that building.

We want to sell our house and are wondering if it would be wise to take out a home equity loan to pay for some of the projects that need to be done on the house.

Be sure to click the link above to check out our website (MoneyWise.org) to connect with a Compass Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook and get notifications about our weekly Facebook Live events. 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 Money Wise, Steve Moore and Rob West discuss what allconveniences have in common and how they almost come at a price. Theyalso talk if it is wrong to pay for convenience, and offer examples ofcommon conveniences that are okay to pay for. Next, they answer yourquestions at (800) 525-7000 [email protected] thefollowing:- I am considering retiring at 64 instead of 65. Are there Biblicalimplications I should be aware of according to this? Should I take myretirement fund in one lump sum? Should I start drawing socialsecurity immediately, or wait?- Could you recommend a book for those of us who are in theestate-planning period of life?- What’s the difference between a money market and a CD? I want mychildren to be able to save money while they are still young?- I am a widow and raising my 10 year old grandchild. What is the bestway to manage they money I have and plan for retirement and collegefor my 10 year old.Be sure to check out our new website atmoneywise.orgto connect witha Compass Coach or access our books, videos, or any of our freehelpful resources. You can also find us on Facebook and getnotifications about our weekly Facebook Live events. Thanks for yourprayerful 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 Donatetab 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 what allconveniences have in common and how they almost come at a price. Theyalso talk if it is wrong to pay for convenience, and offer examples ofcommon conveniences that are okay to pay for. Next, they answer yourquestions at (800) 525-7000 [email protected] thefollowing:- I am considering retiring at 64 instead of 65. Are there Biblicalimplications I should be aware of according to this? Should I take myretirement fund in one lump sum? Should I start drawing socialsecurity immediately, or wait?- Could you recommend a book for those of us who are in theestate-planning period of life?- Whats the difference between a money market and a CD? I want mychildren to be able to save money while they are still young?- I am a widow and raising my 10 year old grandchild. What is the bestway to manage they money I have and plan for retirement and collegefor my 10 year old.Be sure to check out our new website atmoneywise.orgto connect witha Compass Coach or access our books, videos, or any of our freehelpful resources. You can also find us on Facebook and getnotifications about our weekly Facebook Live events. Thanks for yourprayerful 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 Donatetab at the top of the page.