The end of the year is a great time to start thinking about your taxes for the upcoming year That's why Peter with Richon Planning and Erin Kennedy are sharing tax saving tips you can do now to help you get on track for Max Out Your Roth IRA Tax Loss Harvesting Consider Your Tax Filing Status Seek Tax Efficient Investments If you have any questions about Roth Conversions or if you'd like to talk through specific tax efficient investments including Health Savings Accounts s or Qualified Charitable Distributions please reach out to Peter by calling - or visit www [... more]

Many of us are feeling uneasy about what the future holds And although scripture teaches only God knows the future we still need to plan and set priorities for whatever may come On today's Faith amp Finance Live host Rob West will talk about your money priorities Then he rsquo ll answer your calls on various financial topics nbsp See omnystudio com listener for privacy information [... more]

We rsquo ve all succumbed to the temptation of materialism from time to time mdash wasting money on things we don rsquo t really need On today's Faith amp Finance Live Rob West will talk about of those money wasters and how you can avoid them Then he rsquo ll answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

Hans and Robby are back again this week with a brand new episode This week Hans and Robby discuss health savings account and medicare Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Some people are more concerned with the interest they're getting on their savings account than they are with the interest they're paying on their mortgage But that's a big financial mistake we should all avoid On today's Faith amp Finance Live Rob West will describe how sacrifice can have benefits when you're trying to pay off your mortgage early Then he'll answer some calls on various financial topics See omnystudio com listener for privacy information [... more]

Career experts like to say there rsquo s no such thing as job security But there is employment security which comes when you continually improve your abilities And part of that includes sharpening your interview skills On today's Faith amp Finance Live Rob West will share some tips you can use to prep for your next interview so you can be relaxed confident and ready for anything Then Rob will answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

If you don't have a tax plan you don't have a retirement plan In retirement you not only want to maximize your income but you also want to minimize your tax bill In this video Peter Richon with Richon Planning and Erin Kennedy break down three strategies that will help you keep more money in your pocket including Roth Conversions take advantage of today's historically low tax rate Have an RMD Strategy consider earlier distributions or Qualified Charitable Distributions Explore Health Savings Accounts the only triple tax advantaged retirement account that can help with what's often your biggest expense in [... more]

Did you know that a health savings account can save you a lot of money now and give you a healthier retirement income later On today's Faith amp Finance Live host Rob West will talk with Mark Biller about what makes an HSA a great back up retirement account that you might want to consider using Then Rob will answer some questions on different financial topics See omnystudio com listener for privacy information [... more]

Have you memorized Proverbs It states ldquo Steady plodding brings prosperity hasty speculation brings poverty rdquo nbsp And you may know that verse by heart but taking it to heart is a different thing altogether On today's Faith amp Finance Live Rob West will explain how we must take to heart both parts of that proverb to be financially successful Then he rsquo ll answer your calls and financial questions nbsp See omnystudio com listener for privacy information [... more]

Mike Sharman Share Healthcare discusses the difference in Medical Healthcare Sharing Companies CMS letter to validate their credentials Obtaining health care freedom Healthcare savings accounts at Lime Bank unique to Share Healthcare Matt Long and Pastor Greg discuss the latest case in Britain where a Judge decided that the Bible is outdated and irrelevant to today's culture In the US the Respect for Marriage Act will wipe out traditional marriage It outlaws the use of religious freedom Abolishes DOMA [... more]

Financial advisors will tell you that a health savings account is a great way to meet medical expenses nbsp But even if you rsquo re eligible an HSA may not be your best option On today's MoneyWise Live Rob West will explain some details about HSAs and help you decide if having one is a good fit for your financial situation Then he rsquo ll answer your questions on various financial topics nbsp See omnystudio com listener for privacy information [... more]

This week Hans and Robby discuss IRMAA aka Income-Related Monthly Adjustment Amount In layman's terms it's Medicare tax for high income people Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

Our work should glorify God That makes choosing the right career field especially important So if you're deciding on a career path or looking to make a change join us for today's MoneyWise Live and host Rob West will share a list of the best careers for Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

With another year ending it's time to start thinking about your taxes So are there ways to minimize what you legally have to pay without cutting corners On today's MoneyWise Live host Rob West will share some year-end tax tips that will help you do just that Then he'll answer your financial questions from a biblical perspective See omnystudio com listener for privacy information [... more]

Hans and Robby discuss Medicare and what that means for those turning in Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com Find us on YouTube Cardinal Advisors [... more]

You finally have your budget working you're living below your means and you have some extra cash to work with So now what On today's MoneyWise Live host Rob West will talk about the merits of using your extra cash to either pay down student loans or save for retirement Then he'll answer your calls and questions on various financial topics See omnystudio com listener for privacy information [... more]

You might not be familiar with I Bonds and the way they function as savings vehicles You may also be surprised to learn that unlike your savings account at your local or online bank these bonds are currently yielding quite a bit more interest On the next MoneyWise Live hosts Rob West and Steve Moore share some information on this savings strategy Then they rsquo ll take your calls and answer various financial questions Taking an interest in I Bonds on the next MoneyWise Live at pm Eastern pm Central on Moody Radio nbsp [... more]

Pennies nickels dimes quarters and occasionally a half-dollar That rsquo s what you rsquo d find on the nightstand beside his bed He rsquo d empty his pockets each evening and leave the contents there for he knew eventually they rsquo d come to visit mdash they being his grandchildren Over the years they learned to visit his nightstand as soon as they arrived He could have put all that spare change in a coin bank or even stored it away in a savings account But he didn rsquo t He delighted in leaving it there for the little ones [... more]

When saving for your child rsquo s education you need to know your options One popular choice is a savings plan offering a tax-advantaged way to save for college But there are other plans out there On the next MoneyWise Live hosts Rob West and Steve Moore share about another option you can consider We rsquo ll take a look at Coverdell Education Savings Accounts on the next MoneyWise Live at pm Eastern pm Central on Moody Radio nbsp [... more]

Those who are fed up with the low interest rates on their bank savings accounts are turning to P P mdash or ldquo people to people rdquo mdash lending This investment strategy can bring in higher returns but not without risk On the next nbsp MoneyWise nbsp Live hosts Rob West and Steve Moore share the pros and cons of this new investing idea We rsquo ll talk about P P lending on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

Most of us are aware of the three main credit bureaus that monitor our transactions But did you know there are several others that are also keeping tabs on you nbsp On the next MoneyWise Live hosts Rob West and Steve Moore reveal the various kinds of agencies involved in determining your credit-worthiness We rsquo ll tell you about the little-known credit bureaus on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

Hans and Robby talk all about MYGAs what they are and why they might be right for you especially if you have a lot of money just sitting in your savings account Don't forget to get your copy of The Complete Cardinal Guide to Planning for and Living in Retirement on Amazon or on CardinalGuide com for free You can contact Hans and Cardinal by emailing hans cardinalguide com or calling - - Learn more at CardinalGuide com [... more]

The Affordable Care Act of made health savings accounts or HSAs more popular nbsp But now they rsquo re almost a necessity The need to offset the rising costs of deductibles has made HSAs an appealing option for many Americans On the next Moneywise Live hosts Rob West and Steve Moore explain how an HSA can save you money now and decades into the future It rsquo s the nuts and bolts of HSAs on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

For many people debit cards have replaced checks or credit cards Despite their ease of use debit cards pose several risks that can impact your bank account balance credit score or even identity fraud On the next MoneyWise Live hosts Rob West and Steve Moore discuss the dangers of debit cards Listen here before you swipe on MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

In the midst of summer we usually don rsquo t think about the fact that Christmas is coming But with a little planning and execution now one of the major sources of holiday anxiety can be eliminated On the next Moneywise Live hosts Rob West and Steve Moore share ways to help you avoid overspending and put the happy back in your holidays Preparing for Christmas in July on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

The federal government spent trillions of dollars to help individuals and businesses suffering from coronavirus shutdowns But we rsquo re now left with the question what parts of those stimulus packages are taxable On the next Moneywise Live hosts Rob West and Steve Moore have answers about taxes and the CARES Act Learn what rsquo s taxable and what rsquo s not on the next MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

If you don rsquo t know what HSA stands for it rsquo s time to find out Health savings accounts or HSAs are a great way to save on medical expenses and reduce your tax liability On the next MoneyWise Live hosts Rob West and Steve Moore break down the facts about HSAs and help you understand if they rsquo re the right move for you It rsquo s all about HSAs on MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

With millions of Americans unemployed and in-person services canceled many churches have seen a decline in income The act of giving is an integral part of church services but online giving has helped to offset the decline in financial contributions On the next MoneyWise Live hosts Rob West and Steve Moore welcome Brian Kluth who offers a battle plan for churches to help weather their financial challenges COVID and church giving on MoneyWise Live at pm Eastern pm Central on Moody Radio [... more]

A lot of people have a bias against life insurance but as Hans says you need to look at the actual facts Hans and Robby go over term vs whole life insurance and the myths surrounding both of these They also discuss hybrid long term care insurance and the living benefits that come with it There are even living benefits to whole life insurance if you utilize it right that will provide tax-free income in retirement Life insurance can be abused but that is not a reason to be scared of it Don't forget to get your copy of The [... more]

This week on Finishing Well Hans and Robby talk all about money Is Your Money Serving You or Are You Serving Your Money Hans and Robby go over a few stories of clients and how they made their money serve them specifically with annuities Hans explains a lot of people us annuities in the wrong way as savings accounts instead of income There is a lot of fear that comes with making your money last for the rest of your life and we want to help you stop worrying about it Don't forget to get your copy of The Complete [... more]

School choice takes many different forms in North Carolina In recent years state legislators have established Opportunity Scholarship vouchers for students from low-wealth families a separate grant program for students with special education needs and education savings accounts Terry Stoops John Locke Foundation vice president for research and director of education studies analyzes each of these programs Cyberspace might represent the most important battlefield in future conflicts between the United States and its adversaries During a recent visit to North Carolina Washington Post staff writer Shane Harris explained how President Trump has approached cyberwarfare differently from his predecessors Harris analyzes [... more]

It is Finishing Well s first LIVE show This week Hans and Robby visited Peace Church in Durham NC to discuss IRAs and go more into depth about Qualified Charitable Distributions Robby discusses Matthew the parable of the day laborer The story is basically that a landowner whent to hire workers in the morning for his vineyard and offered them to pay thema denarius for the day hours later he got another group to come to work and then he got another group with one hour left hre brought another group At the end of the day everyone got a [... more]

Feb marks the opening date for applications involving two school choice programs in North Carolina Parents can apply for the Opportunity Scholarship Program which provides funding for low-income families to send their children to private schools Parents also can apply for the new Education Savings Account program It provides funding to help defray other education costs for students in low-income families Terry Stoops John Locke Foundation vice president for research explains the role of both programs in promoting parental school choice Nearly state regulations help slow North Carolina's economic growth James Broughel research fellow at the Mercatus Center at George [... more]

Now that Barack Obama has left the White House congressional Republicans can make a serious effort to repeal and replace his namesake health care law Katherine Restrepo the John Locke Foundation's director of health care policy analyzes key elements of the GOP health care reform proposals Donald Trump's presidential election win could lead to major shifts in the future of the U S Supreme Court Campbell University Law School professor Greg Wallace assesses Trump's likely impact on the nation's highest court especially with an initial appointment to replace conservative icon Antonin Scalia North Carolina's senior U S senator Richard Burr [... more]

Nearly a month after Election Day Republican Gov Pat McCrory's concession confirmed that Democrat Roy Cooper would assume office as North Carolina's new governor in January Carolina Journal Editor-in-Chief Rick Henderson recounts some of the questions about the election process and looks ahead to Cooper's challenge of working with a General Assembly dominated by Republicans No one bats an eye when we trade money for food or clothing The situation changes if we talk about spending money to buy or sell a kidney Georgetown University professor Jason Brennan argues in the book Markets Without Limits that kidney sales should be [... more]

This week NC Family president John L Rustin talks with Darrell Allison President of Parents for Educational Freedom in North Carolina PEFNC about the next school choice frontier for our state Education Savings Accounts ESAs [... more]