14 episodes

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MoneyWise is a daily radio ministry of MoneyWise Media. Hosted by Rob West and Steve Moore, the program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

MoneyWise Rob West & Steve Moore

    • Christianity
    • 5.0, 1 Rating

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

MoneyWise is a daily radio ministry of MoneyWise Media. Hosted by Rob West and Steve Moore, the program offers a practical, biblical and good-natured approach to managing your time, talents and resources.

    One Week Financial Financial Makeover

    One Week Financial Financial Makeover

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

    Anyone can experience financial hardship at any time. Its a great reminder that God is our ultimate Provider. Hes promised to meet our needs and Hes always faithful. Still He expects us to do our part.Preparing for lean times is not only common sense its backed up by Gods Word. So what can you do to get ready? Financial planner and teacher Rob West has a list of things to get you started.

    Proverbs 6: Go to the ant, consider her ways, and be wise. Without having any chief, officer, or ruler, she prepares her bread in summer and gathers her food in harvest.
    Genesis 41: and the seven years of famine began, just as Joseph had said. There was famine in all the other lands, but in the whole land of Egypt there was food.
    Day One: Take five minutes to sign up for a personal finance newsletter or blog.
    Day Two: Make a to do list of 10 financial tasks youve been putting off.
    Day Three: Do something. Pick one thing from your financial to do list and just do it. Thatll give you the satisfaction of crossing it off your list.
    Day Four: Set up a system to track your spending.
    Day Five: Try to identify one area a week where you can trim or cut something altogether.
    Day Six: Work up your Mayday Budget.
    Day Seven: Take some time to reflect and meditate on Gods Financial principles.
    Philippians 4:19. It reads,And my God will supply every need of yours according to his riches in glory in Christ Jesus.

    In todays show we also answer your questions:

    I have a farm and some rental property and about 40K in liquid reserves. Should we pay off one of these or buy a new property to bring in more money?
    Should I withdraw my savings account?
    Is it a smart to refinance now?
    How do you know when it is smart to cash out a QDRO account?

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min
    Values Investing - The Next Level with Jason Myhre

    Values Investing - The Next Level with Jason Myhre

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

    Youre a faithful contributor to your 401k or IRA. Over time youve watched your investments grow. But deep inside maybe you ask yourself where are those earnings coming from. Biblical values should guide our investing decisions. But that involves more than just avoiding objectionable companies. Rob West talks with Jason Myhre of Eventide about actively putting your money where your faith is.
    Business is really an extension of Gods gift of work. From what sources are the profits and from which companies are your portfolios invested?
    Are these investments making an impact on my integrity? Are these companies that I fundamentally feel good about owning? Not just successful companies but admirable, moral ones.
    Businesses that are operating with integrity that excel at creating value for their customers and employeesby creating products that are serving a need in societythese are precisely the kinds of things that I think drive long-term returns. So, we dont have to think in term of trade-offs.
    Will values-based investing provide me with proper diversification?
    Is it unrealistic to think that we can change the world through our investments?

    On todays program we also answer your questions:

    What do you think about the lease-to-buy option for cars?
    Whats the Christian perspective on these COVID-related, personal bail-outs by the government?

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min
    Best Debt Reduction Tools

    Best Debt Reduction Tools

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

    Ask anyone whos done it and theyll tell you that digging their way out of debt was one of the hardest things they ever did. Fortunately, there are some tools to make the job easier. If youre struggling with credit card and loan debt, the first thing you need isnt more money, its a plan! Today on MoneyWise, Kingdom Advisors President Rob West looks at several online debt reduction tools to help you make that plan.
    Do you have multiple credit cards or loans youre trying to pay off? How much extra, beyond the minimum payments, can you apply to those debts? And where should you apply it first? Ideally, debt reduction apps help you answer those questions and most will then give you an option of using the snowball method or the avalanche method.
    Unbury.me(https://unbury.me/) is a free debt reduction tool offering a choice of the snowball vs. avalanche methods.
    CNN Moneys debtcalculator(https://money.cnn.com/calculator/pf/debt-free/). This one has another nice feature where you enter a debt-free deadline. Based on that itll show you how much you have to pay on your various debts each month to meet your deadline.
    Undebt.it(https://undebt.it/) is a debt tracking app with similar features as the others but will also show you how much your debt is costing you each month which can really motivate you to get your debts paid off.
    Debt Payoff Assistant(https://itunes.apple.com/us/app/debt-payoff-assistant/id475099959?mt=8) is strictly a mobile app for iPhones and iPads. Its free and youll find it the App Store. Debt Payoff Assistant works the same as the others but it allows you to design multiple payoff strategies with built-in calculators to stay motivated on your debt journey. It also has some nice graphic displays and pie charts.
    Sometimes you need a real person to help guide you through the debt reduction process. Our trainedMoneyWise Coaches(https://moneywise.org/connect)can help you do that by setting up a budget and debt payoff plan. The only charge is for a workbook.
    Finally, get help managing your debts atChristian Credit Counselors(https://www.christiancreditcounselors.org/)

    On todays program we also answer your questions:

    My husband and I just received some money and wanted to hear what you think the best way to handle it is.
    I was thinking about retiring. Can you recommend a good, long-term strategy?
    I want to sell some gold! How do I report this on my taxes? Is there a special form?

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook at MoneyWise Media for videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min
    No Stimulus Check? Here’s Why

    No Stimulus Check? Here’s Why

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

    Any number of jokes contain the lines,The checks in the mail,orIm from the government, Im here to help you.But theyre not funny if youve been waiting by the mailbox for your stimulus check. Its been over a month since the federal government began sending out stimulus checks to individuals. If you havent received yours yet Rob West has a list of reasons why it could be delayed.
    The first reason is that you didn't receive a refund for either your 2018 or 2019 taxes. You must have gotten a refundandyou had to authorize the IRS to give you that refund by direct deposit. So if your refund came by paper check the IRS is using the same system to send you a stimulus check and that causes delays.
    Second, your stimulus check may have been direct deposited into an old bank account that you've closed since filing your 2018 return. If you owed money in 2019, or you havent filed yet because the deadline was extended to July 15th, the IRS will use the bank account information it had on file for your 2018 return. If youve closed that account, the bank will probably return the funds to the IRS.
    Third, your check may have gone to a temporary bank account used by your tax preparer. You may not realize it, but sometimes a tax preparer will set up a temporary account to receive your refund. Their fees will then be deducted and the rest transferred into your bank account.
    Fourth, you filed a paper return in 2019. Thats potentially a huge snag, because with social distancing due to the coronavirus outbreak the IRS has had many of its employees working from home.
    Last, That would be if you dont normally file a tax return. If your income is below $12,200 for an individual, or $24,400 for a married couple filing jointly, you dont have to file a return. In that case, the IRS doesnt have up-to-date records on you.

    On todays program we also answer your questions:

    I got into the stock market about 3 years ago. I am starting to get concerned. Advice on what to do?
    Is there any legal responsibilities for parents to help their children with student loans?
    I have a small loan with my daughter for her student loans. I have been getting calls about loan forgiveness. Are these scams?
    Can you put a 401k and retirement fund into one IRA?

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min
    COVID-19 Impact on Church Giving with Brian Kluth

    COVID-19 Impact on Church Giving with Brian Kluth

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

    The numbers are starting to come in and theyre not good. The COVID-19 crisis has caused a significant downturn in church giving. That much was expected. But what can we do about it? With millions of Americans out of work and services canceled for weeks, churches are struggling. Rob West talks with Brian Kluth of the National Association of Evangelicals about a battle plan for the coming financial challenges.

    Pastor Brian Kluth is a noted speaker and author on church giving and currently serves as director of the NAEs multi-year initiative to address the economic needs of pastors.
    Giving has gone down in 65% of churches, a much worse figure than the #StateofthePlate Recession when 38% of churches saw giving declines.
    30% of church families reported losing income or jobs.
    Good news: 48% of churches are reaching 2 to 5+ times more people online than in their normal weekend services in January.
    Some churches are starting to hold services again but with significant restrictions on seating and capacity. Pastors are reporting about attendance during the shutdown.
    Heres a 10-step battle plan for pastors and church leaders to meet this financial crisis: (1) Review available COVID-19 church resources, (2) reopen under government guidelines, (3) choose a weekly offertory verse, (4) start or expand a benevolence program, (5) reassess and rebuild the church budget, (6) distribute 30- or 40-day devotionals, (7) help co-sponsor a Saturday financial conference event, (8) minister to the financially hurting and financially healthy, (9) participate in the Easy 1-2-3 Bless Your Pastor national movement, (10) seek the Lord and evaluate options for your churchs future.
    If you can find a way to increase your church giving (even temporarily), it would be a huge help.
    State of the Plate 2-Minute Poll - Coronavirus/COVID-19 Financial Impact on Your Family Church(http://www.stateoftheplate.info/2020results.pdf)
    10-Step #WinningBattlePlan for Churches to Defeat the Coming $$$ Challenges(http://www.stateoftheplate.info/10steps.pdf)

    On todays program we also answer your questions:

    What iswww.creditkarma.comand is it safe?
    I live in Florida and need to hurricane-proof my windows. Can that be done for free? Checkbankrate.comfor more information related to this callers question.

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min
    The Price of Freedom (Memorial Day)

    The Price of Freedom (Memorial Day)

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

    If you ask someone which holiday represents freedom theyd probably say the 4th of July. But Memorial Day then should remind us of the price of freedom, those who gave their lives that we might enjoy liberty. Its Memorial Day, a day traditionally filled with picnics and parades, ball games and barbecues. Our host Rob West has some Memorial Day thoughts and then he answers your financial questions.
    Memorial Day is intended to honor members of our armed services who gave their lives fighting in our nations wars. Veterans Day, as the name implies, is about honoring those who served in the military and are still living and may need our help.
    John 15 says,Greater love has no one than this, that someone lay down his life for his friends.
    Most of us have no idea how many of our fellow Americans have paid that price for our freedom how many gave the last full measure of their devotion. The total number of service members whove died in all of Americas wars from the Revolutionary War to the ongoing global War on Terror is almost1-point-4 million. Thats the true price of our freedom today.
    Our service members take an oath to support and defend the Constitution against all enemies. Were able to worship in freedom today due in no small part to the price paid by those who gave their lives defending that right.
    Our freedom has made us not only the wealthiest country on earth but the wealthiest in history. Of course, its up to us now to preserve that freedom and to use that wealth wisely and thats proving to be a big challenge.

    On todays program we also answer your questions:

    My federal student loans have been put onto an automatic forbearance. Should I still make payments?
    My wife and I are retired. We have 4K for retirement and 30K left as a cushion. We own our home and vehicles. Is there any type of stimulus available to us?
    What steps should I take to get off of welfare?
    I am still working, but could be laid off. Are they adding money to unemployment benefits or do you just get unemployment by itself?
    My current employer does not take taxes out, so that makes me self employed. What are the taxes that go along with self-employment?
    We sold a company and put money into a charitable trust. Do I hold on to that money and let it grow or deplete it all and give it all away now?

    Ask your questions at (800) 525-7000 or email them atquestions@moneywise.org. Visit our website atmoneywise.orgwhere you can connect with a MoneyWise Coach, purchase books, and even download free, helpful resources.

    Like and Follow us on Facebook atMoneyWise Mediafor videos and the very latest discussion!Remember that its your prayerful and financial support that keeps MoneyWise on the air. Help us continue this outreach by clicking the Donate tab at the top of the page.

    • 25 min

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