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January 14, 2021 7:03 am
Yesterday the Bible is many things, but among its many definitions into Mughal promises. And one of the most repeated promises is the Lord provide one was tested.
Many of us, but took comfort in knowing the Lord remains in control and is always faithful today kingdom advisors Pres. Rob West talks about finding peace and contentment in the new year and will take your calls on anything financially hungry 525-7000 800-525-7000 nine Steve Moore faith in God's provision. Next on moneywise not Rob.
You don't have to be a Bible scholar to know that God's word contains many promises to while not at all. Steve if you use a concordance to look up the word promisor Google Bible and promise you'll see a long list of verses with God's promises to us and as you pointed out, there are dozens that reassure us that God will in fact provide for our needs. Coronavirus pandemic were not, you know, if we take an honest look Steve in our lives that will see that God provides not only for our financial needs. By giving us the ability to earn a living but also for many other needs as well. Our family friends in our church. For example, God knows that we need all of those things and he provides them. In fact, one of the very names for God found in the Bible contains that promise that let's go to the King James version. We read in Genesis 2214 and Abraham called the name of that place Jehovah Gyro as it is said to this day in the mountains, the Lord, it shall be seen other versions translate that Hebrew name Jehovah Gyro as the Lord will provide. And of course that's where God provides a ram in the thicket and place of the sacrifice of Abraham's son Isaac, but something very important.
Preceded God's provision on Mount Moriah and that was will, of course, obedience.
After waiting a century for his son, Abraham was prepared to offer him to the Lord as commanded a truly truly amazing.
When you read that input yourself in in the place thereof at me. What what I do in that situation.
I'm not sure I have the faith for that. So how do we relate to that and what were facing today. This ongoing pandemic or economic uncertainty that may be caused by. That's a good question. I would just say first. By understanding that nothing's changed God's kept his promise almost 4000 years ago with Abraham and he still keeps his promises. Today, there is no doubt that Abraham feared losing the child that he and Sarah had waited so long to have, but he overcame that fear with obedience somewhere deep down Abraham found peace by knowing he was doing God's will by bringing Isaac up to the top of Mount Moriah, and that's how we find peace today by obeying God. I think that's exactly right.
Let me explain what that means. Stephen what it means that God will provide. You see, when we obey the Lord where acting according to his will, not ours.
If you're deeply fearful that God won't keep his promise to provide.
There's a good chance that what you really fear is that he won't provide in a way that you want him to emphasis on want to see God promises to provide for our needs not our wants in the sermon on the mount. Specifically, in Matthew 633 and 34 Jesus tells us in no uncertain terms not to be afraid for our daily provision. It says but seek first his kingdom and his righteousness and all these things will be given to you as well. You see, when we obey God were seeking his kingdom and becoming more like Christ to of course, was obedient unto death knell for our purposes today. Let's just focus on obeying more. You might say, following God's financial principles.
These included acknowledging of course that God owns everything and that we are stewards or managers. What is given us that were to live on less than we to pay our taxes with gratitude, save, and be generous. And why do we do these things well for the same reason we exist to give glory to God. You see, when we follow his financial principles, especially by being generous, we act differently than the world and of course that in turn points others to Christ. Yeah, you and the Bible may have as many verses on finding peace and contentment as it does on God's promise to provide. I I'm reminded of what Paul says in first Timothy now there is a great gain in godliness with contentment, for we brought nothing into the world. We cannot take anything out of the world, but if we have food and clothing with these we will be content, but it's exactly right. We can talk more about this after the break that I'm reminded of Philippians 4, Paul says I know what it means to be a need. I know what it is to have plenty. I've learned the secret of being content in any and every situation, whether well fed or living in plenty or in want, I can do all things through him who gives Mr. Conyers a great deal more about our money than most of us imagine. In fact, Jesus is more about our use of money and possessions and about anything else, including both heaven and hell in managing God's money, author Randy Alcorn breaks it all down in a simple, easy to follow format that makes it the perfect reference tool if you're interested in gaining a solid biblical understanding of money, possessions and eternity managing God's money is available in the store moneywise live.org Christian healthcare ministries enables believers to show love for one another by sharing each other's health costs through CHN's voluntary health cost-sharing programs members uplift each other spiritually and financially. CHN was an eligible option under the affordable care act and a Better Business Bureau accredited charity interested. Learn more by calling 800-791-6225 or online at CH ministries.more time trying parents rising health for real problems wanted to attend the largest and longest running and will Bible conference, but you have been able to get there this year you can because found completely digital February 2.list of session topics. See all the ways that you can protest, including signed Spanish-language lifestream boundaries every second. Learn more at founders.
We got some advice questions about planning for retirement.
Long-term care insurance.
I don't know where to start. It sounds like you need to moneywise help you find those answers and you can ask your questions and access helpful articles and moneywise Pat casts sounds great. The money okay searching for moneywise and.org listening to his route was with us today? Coming from. Now's a great time to call you have some open lines at 805 five 7800 525-7000 were talking a bit about God's promises God's provision our faith at home all that comes together you know it doesn't make any difference with you been a question, a Christian, a month or 50 years. These are still things that we need to read on a regular basis. Remind ourselves on a regular basis and just when we think we've got it. Well, something up in guns is now, let's take another look at that and obviously the this epidemic could be one of those things for a lot of us, that's exactly right.
You know, we were just talking about what I believe is one of God's big ideas related to our money in Scripture and that is this idea of contentment which the apostle Paul tells us is learned were not born with that naturally we have to learn that behavior but being able to live contents within God's provision says Lord I trust you that what you provided for me right now is enough and I'm going to trust that you're going to make a way for me to live within that and I need to do my part right.
I need to live simply and I need to control my impulses and I need to live within that provision, despite the fact that the world will allow you to live outside of God's provision was something called yet we see God really knows what we need even better than we do, and he's provided those things every day of our lives up to this point, why would we think that he wouldn't in the future. Our faith isn't blind to see. When it comes to God's faithfulness to provide past performance is a guarantee of future results. Despite what we might hear in the investment world so we just finished today by reminding us what we read in Philippians 4. Do not be anxious about anything but in everything by prayer and supplication with thanksgiving let your requests be known to God and the peace of God, which surpasses all understanding, will guard your hearts and your minds in Christ Jesus.
God can be trusted. We can take him at his word and we can rest in that assurance today. Steve, thanks for all right. Let's dive in Orlando Florida Rhea. We appreciate your calling your patients what's on your mind, your lawyer today to draw up what will I came out with a lot more question than what I had and I basically 65 years old. I have to live paycheck to paycheck. Most of my life. I am now retired and about the world he told me that the way I wanted to is going to create some hurt feelings whole might find and because I mostly wanted to the extent to my grandkids and I don't know if I should tell my children I plan all what to do about it. I do have a friend that struggles with making like to go. I have some questions about that all's well Rhea, I can certainly appreciate what you're describing here and this is not uncommon and yet I believe it's important. After getting it prayerful consideration to really think about the importance of communication to align expectations with your plan because clearly you have reasons for what you're doing and I think being able to talk through that in advance as to not create what we call a coping gap with your children, where expectations and reality. Don't agree.
And you know we would typically recommend you have a family conference of sorts that may sound more formal that it is essentially it's a conversation where you begin to talk about these types of things so that there is an understanding and that people in your family are not waiting to find out kind of decisions you've made. Do when you're gone, but there is an ability to set expectations and communicate what's on your heart and perhaps why you've been led to make the decisions you've made and I realize that could create perhaps an even more if there's not a strained relationship. It could create that. If it's not done in the right way or received in the right way but I still think it's important that that expectations are set and perhaps to the extent you have some concerns about choices and decisions are being made. Maybe this is an opportunity by articulating that to see if the some changes might be made, but I think after you make those decisions, not waiting for them to find out at the reading of the will what you've done, but that going ahead and setting that in place. It is generally a good idea. What I like to do. Rhea is send you a book.
I think it's the best book on these types of issues. What I'll call the soft side of wealth transfer.
It's not the mechanics necessarily. The tools and the illegal instruments it's more of the but why and the how behind it and it's called splitting errors. It's by Ron blue and will send it to you as our gift today and what Ron will talk through with you is what he calls the six steps in the wealth transfer process and number six is the talk decision which has everything to do with how you communicate to those you love about the decisions you've made and got I think it'll be helpful to you and then once you read it. Feel free to give us a call back and we can answer any further questions you might have. So you stand the wind. Rhea will get your information and get splitting errors right out to you splitting errors by her good friend Ron blue. It's a wonderful book and run gets into just about every aspect that you can imagine when it comes to leaving what you have behind here is whether it's one child or 10 children to grandchildren or 20 grandchildren. He gets into all of that and also what about leaving us some of your money and your possessions to your church or other ministry so so wonderful book if you're facing these kinds of choices and decisions, you'll find it on our website moneywise live.org West Palm Beach, Florida hi Marie what's going on in your life, how will the master bath remodel and showing on it, which turned out to be like around $15,000. We postponed meeting and accept or to postpone any person that told me if I think, which I do think we might have a mold problem that our sharing would cover repairs for that and he said if you go to your home American sharing what you have and have your insurance pay for it then and then another thing that I read was what I icon my company and they said well we had sent somebody out all not, and if it is $1000 bill night if you can hire a contractor and the contractors that is a little problem in change in it like higher deductible and more out-of-pocket. I might really struggling with where we announce the first issue Mary is whether or not your homeowners insurance policy will cover the mold issue. Often there's vague wording regarding mold coverage and it can be difficult to determine whether any mold damage you encountered will be covered a lot of policies will exclude coverage for mold damage except when the mold is a result of the covered claim, like water damage.
So, for example, an example of mold that would be covered is when your water heater ruptures in your releases water that causes black mold to grow on the surrounding walls are yellow home fire and mold develops after the firefighters used water to a stink extinguished the flames we have a dishwasher that flood your kitchen because it malfunctions and then you have mold growing along the base of your cabinet cabinetry. What it won't cover is your bathtub that sleep for years and you discover mold you know in the ceiling or you live in a human climate tend you failed to use a dehumidifier. Your things like that so it's really going to depend on what where is the mold.
What is it, as a result of an is that a comparable item and then typically you will state that the maximum limit is somewhere between one and $10,000 for the mold remediation and if you want more than that. You have to buy the broader mold coverage as an additional rider.
So I think you need to check this out and just find out the first of all, what is your policy say is covered and that should be as simple as a phone call before you place a claim, just find out what the parameters are in and I think as you understand that and compare that to the type of mold that's being found in your home and and where it's coming from. I think you have a better idea of where whether or not that's gonna be covered and then you'll know how to proceed. I think at the end of the day you know if you've got it to caramel them, and this can become a health issue quickly. If it's not already the question is just, Lord willing. Can somebody else pay for it and if not then we'll have to look at the very best ways for you to cover the cost yourself and with that we hope you're able to work through this problem. Mold issues can be problematic. We've have the some of us here have some friends have gone through that and it's good to start earlier rather than later and Marie were glad that you come to the best that you're listening to moneywise live like talk from West today.
It's 800-525-7000 800-525-7000 event with a lot more. And if that is robbing you of Freedom and peace of mind. Christian credit counselors can help Wear nationwide nonprofit counseling organization has helped over 3000 individuals in the last 27 years get out of credit card debt 80% faster while honoring that data and phone to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors not or call 800-557-1985. You probably have a strategy for your finance your career even your retirement strategy for your getting National Christian foundation giving strategy to inspire your family maximize your resources to learn how to moneywise.org and click insert everything to actually hear is a click away can think of this are when we hear and we hear the word holy when we hear the word sanctify our sanctification. It's conveying one primary thing, distinctiveness, separateness are because he repeats it is something will never be a theology or biblically only so you be Holly. He says to talk distinctiveness. Not only has been because we are his our own. I want to disappoint your point that the amplified version. Scripture is 3113, where he finds himself make you healthier. If I can provide version then a parenthetical statement over the case in Maine contacts. This is what parentheses and amplify you myself for myself more with the footwear is excited to announce the study of Galatians is an online experience petition your company to the Bible reminds us in Matthew Matthew 621 for where your treasure is, there your heart also vital and important person to not only memorize but ponder and try to figure out just exactly what Jesus is saying to you guard and if we can help you in any other financial regard give us a call today.
That's why were here 800-525-7000 Mary in Charleston South Carolina what's in your mind that you have any caught coffee married to have coffee. We don't come.
Also some coffee involved in and I love it years ago. We can count on Christian radio. Not sure that it was when the economy was not doing now advocated buying metal when I get overboard well with the current situation and the thought that maybe things might be getting bad situation. We have a nap or too much of the precious metal coins with which to consider when you want thing here. I know manage to be invested in precious metal and then go and situation got really bad precious metal calling you and that's one of the challenges Mary with the precious metals when you taking physical possession is not only do you have the markup when you buy them because usually buying them from a dealer and then if you try to sell them the same thing happens on this transaction on the sale, but you got the insurance you got the security and you know the safe and the safety of them in your home, yelling just as you store the physically in terms of a percentage you know I like to just hold to the typical percentage of 5%, and based on what you heard on the air and whether it's TV or radio in times of uncertainty especially like a situation we went through last year with the pandemic where the market was just really going haywire there for a couple of months you see a huge spike in the number of people telling you, leveraging that business opportunity telling you to buy precious metals by bye-bye right and they say that because there's elements of that that are very true. It's a store of value.
It's a hedge against inflation of falling dollar. Any number of things and yet they might even pray on you folks that you are concerned about the collapse of the US economy or something like that I don't fall into that camp, I would say you we should hold steady to what has been proven over the last hundred or 200 years in terms of the prudent investment strategies that have had the lowest risk and the best performance is a properly diversified stock and bond portfolio where maybe an allocation to gold again, is no more than 5% of the portfolio it be taxes a little bit of the hedge in the portfolio, in that in a down market, but you it's just too volatile in the long term performance is not been as good in terms of overweighting at it, not to mention the other challenges that you and I both articulated at the outset of this conversation, so I think if if we were to get into real difficult times which I don't see that on the horizon feel financially, just based on everything we know today you would gold be a good investment. Yes, it would rise in value, but you do have the liquidity issues that you're describing here and you know if the I think we ought to step back and say what's the worst thing that could happen.
And if that plays out. You know, having a borrower or coins of precious metals would be very difficult to operate with. Even though the underlying price of the precious metal may be increasing, so I would just do what you can to follow God's principles recognizing you are only responsible for what he's entrusted to you. You can't control US GDP or US national debt or the stock market of the tax code or the presidency. Apart from voting what you can control is what passes through your hands and are you living within your means and giving generously and properly being diversified and as we read in Ecclesiastes and on down the line and from my standpoint. That means that a relatively small allocation to the precious metals thereof, you would agree that were talking about gold coins.
Well, I guess even gold bullion. How do you buy a loaf of bread. How do you buy gasoline with that is your is your means of of legal tender difficult at best becomes very difficult absolutely right. We hope you are able to work that out Mary. Feel free to give us a call back your husband Chad about this and want to discuss it further. Thank you very much. I will be right back to speak with Toya Floyd and Lupe and grace this is money wise lot investing is more than just return. It's an expression of who you are and what you value is the way you invest your money reflect your identity as a Christian that eventide we design investments for performance and a better world so you can invest with the confidence to reach your financial goals while remaining truly are Christian values and commitments. We call this investing makes the world rejoice more is firstname.lastname@example.org invest eventide.com when it comes to investing guidance you want advice, grounded in God's word. That's the approach offered by sound mind investing. SMI has helped tens of thousands of Christians acquire investing wisdom and confidence. Regardless of your investing experience or how much you have to invest can learn to be a wise and faithful steward in the area of investing a short video webinar on profit and peace of mind is available now sound mind investing how you reach people who call themselves Christian but don't know Jesus find out by reading the unsaved Christian Dean, and Sarah was a cultural Christian today. He pastors a thriving church that he wrote this book to offer starting points that lead to deeper conversations you'll be equipped to confront cultural Christianity and lovingly share the gospel to the cultural Christians in your life. Cultural Christianity is a huge mission field in desperate need of missionaries get your copy of the unsaved email@example.com you feel stuck. I get tired of going to the motions of faith you want to make real progress in your life and not know where to start to grow is a book to help you grow spiritually and help others grow as well for the gospel as a starting point of the Christian life rather than the main point of all how to grow book by Darrell – firstname.lastname@example.org that's moody publisher.O RG many people adopt an attitude toward marriage and finances that it will all work out somehow. But sadly, it often doesn't financial woes can devastate a marriage but there is a better way. God's way, money and marriage God's way by Howard Dayton will help you discover God's approach to growing your finances and strengthening your relationship with your mate and cultivating godly joy, money, and marriage God's way is available when you click the score and moneywise live.org Majority Leader Mitch McConnell says he will not be going to send it back in the session ahead of schedule to accommodate a Democrat effort to remove Pres. from from office for President-elect Joe Biden is sworn in. The UN atomic watchdog agencies as Iran has informed that the country has begun installing equipment for the production of uranium metal which would be another violation of the landmark nuclear deal with world powers to former Michigan health officials charged with involuntary manslaughter in the deaths of nine people who got Legionnaires' disease following the plant water crisis like slide in several big tech stocks left major indexes lower on Wall Street today without up 69 points. The NASDAQ was off 16 and the S&P 500 fell 14 points. This is SRN news some great financials some sort.
Or maybe you dealing with a great financial blessing of some kind or something in between. If we can help you today. Give us a call. We love to 800-525-7000 is our phone number back to our lines there almost full, not quite Motley Minnesota hey Floyd is it Motley that I pronounce it correctly for Motley part of that motley crew here at all as I know what that mean I am glad you said about yourself because I I would've gotten in trouble that I didn't so I can we have not I want when I didn't know what they were.
We had our little prayer and they had all these pictures and all that motley crew. I got all of our little tiny town of 600 motley crew was our hard-core rock. Okay, now I never never bought no pictures so I last year going on almost a year and I'm calling about. If I can make so much about my retirement before I get penalized… Call that 20,000 so I can make 20,000 over to Bob my my my social security not small IRAs was that wanted to buy a golf cart and will fight my golf cart for 5000 that included will take a hit on that 20,000. It doesn't matter words sure yeah well I think what you need understand there is the distributions. Floyd you received from an individual retirement account, an IRA or 401(k) funds don't affect how much you are entitled to receive in Social Security benefits each month, but they can affect the taxes you pay so you don't have to worry about a reduced benefit but you do need to consider the tax implications of those withdrawals, and so I would just encourage you that you don't have a tax preparer somebody that you work with you to help you navigate that plan for tax liabilities being so you're setting the proper amount aside and even paying it in periodically if you need to.
Then I would encourage you to consider having somebody like that that you can consult with but you don't need to worry about a reduced benefit as a result of the distribution. Maybe I'll buy a four wheeler rectangle walk on water right now it's frozen solid. I guess right ready all right, Oswego, Illinois Lupe, thank you for holding Sir. How can we help you I'm fine Lupe I'm so sorry I misread my computer screen. I didn't mean to call you sooner but forgive me for that on my daughter and year and 14 and wondering if there's something that I said get out or her credit card with my mom cannot write.
Try to give her you know from cats but I think he's like Monica take out the credit card for me though became a grandmother here help the little preemie happy about that and enjoy everything that going on with the world but you know I will feel doing well and thinking a lot about you know are perhaps fading to crown even know where I think our bank you don't make anything having money there any recommendations for absolutely Lupe, let me just say first that much I appreciate your service in the midst of a really trying time working as a healthcare professional, we realize is been really difficult, strenuous, and frankly scary sometimes so I thank you for doing that and you sound like a wonderful mom and grandmother, and I like this idea, I probably wouldn't go in the direction of a credit card.
I would go more toward a debit card, and I'll give you a particular type of account to check out that there is from capital one. They have what they call the capital one money team checking account and it's basically a fee free bank account for teams that comes with a debit card and a really good mobile app so if your daughter has a smart phone that she uses even an older one a few years old. She would be able to manage it that way. I actually opened one of these for my son recently and have been really pleased with it.
The nice thing about it is you can really easily transfer money into the account he uses it. You know if he's going to go out with some friends to go out to dinner or do things like that is offered is baseball at their basketball tournaments and things to that nature he can set goals set savings goals of he's wanting to is doing some work works of the church refereeing games on the weekends and gets paid that goes into his count in and day can build up toward a certain savings goals but it's just a really effective tool. Then again, there's no cost to it, including the debit card which is free and there's 40,000 fee free ATMs that your daughter would be able to use and then there's also some parental controls were. You can shut it down, monitor it and as I said very easily add money to it which I suspect that would be happening. Click the fit so I would check that out and I think it will accomplish both purposes give you a tool to begin teaching your 14-year-old how to manage money. God's way and do it wisely and give your team know a debit card that could be used without having to carry cash when when your team is out to doing things teams doing and needing access to some funds to set some like which might be looking for one.
Yeah, it's called the capital one money team checking MON EY team checking and you could do a Google search for it very highly rated and I think it'll be a great solution for you and there's no cost, which is even better for your grandchild. Let me recommend that you consider assuming you want to set money aside, at least to start with, specifically for college. I think having his parents your children open a 529 plan and the new contributing to that might be a great way to go.
Just because you be able to begin putting some money aside that could be invested and grow tax-free. That would be available specifically for college, so go to saving for college.com to find out which 529 plan. He the one offered in the state of Illinois or another one would be the best option for you. Again, that website saving for college.com Lupe we were glad that you called today thank you very very much Rob just before we hit a break here. Might this be a good time for you to tell us about the new and exciting world changing moneywise live at be happy to. That's always a good time to talk about the new moneywise that yeah it set out it's ready and it's available for you if you haven't downloaded it to encourage you to do that today to set over to your app store of urine in the Apple ecosystem go to the Apple App Store. If your Google play android user go to the Google play store but just search for moneywise biblical finance. It's the best digital envelope system I've ever used them. Not only that but there's the community where I weigh in periodically on your questions and all the moneywise live broadcast that today, and don't go away will be right you like your life to be infused with joy.
Would you like to interject an internal dimension into even the most ordinary day, author Randy Alcorn says you can when you discover the treasure principle and a concise powerpack style is newly revised and updated book offers a six step plan to finding the pleasure and eternal reports of the treasure principle what you discover. Life will never look the same treasure principle is available when you click the store, but moneywise live.org many people are experiencing financial challenges such as credit card debt downsizing that in jobs, savings, more than half of all divorces are the result of financial pressures at home, but there's hope in your money counts biblical financial expert Howard shows that the Bible is a veritable managing your finances will discover the profound relationship with God, your money counts is available when you click the start button moneywise live.org is here to help me understand God's purpose for your life to the eyes of a layman, it doesn't matter to register for have lots of time or no time to spare. There's generally routine of life that runs all the days together, unless determined to share your faith with someone every day, which makes every day unique because every faith sharing experience is an emotional experience, intensely share your faith that a daily basis have anything to do with a dry throat or somebody involves our responsibility to dread its extreme opposite. That's why Jesus told us in John 1511 that when we bear fruit is to remain with us in our jaw remain, and that my friend is what life is all about. Your job is revival outside the walls moving everyone and everything else doing that go tomorrow. TW.com authors Robert and Nancy while Demuth of her life story. They all point same God's hand we see everything so we can trust him right it's encouragement you need to control our lives to be written or for his glory. You can trust God to write your story by Robert and Nancy will your copy today, and an college English instructor. She wanted to make sure it really taught me the results I married in June and starting where you can bring your life more back to minimize the place where we do our best to help you understand word and how it applies to money 800-525-7000 Grayson Orlando. Thanks so much for holding Mary and what's in your mind program. I think your member to me about Quicken will make that you know the graces a lot of tools out there do-it-yourself tools for wills and even trusts you, it's better than nothing. You know I don't want you to be one of the high percentage of Americans that doesn't have a will, because I think it's really important especially if you have an under the minor child because that's where you designate guardianship. But even beyond that just be able to take what the Lord is entrusted to you beyond your life your personal things and assets and be able to direct them according to your wishes. Whether that's two errors or to charity your ministry and without a will to be your leave that decision up to the probate court so I'd rather you have a will and if that's really that would be better than nothing, but my preference though graces for someone to connect with an estate planning attorney.
A simple will shouldn't be terribly expensive a few hundred dollars, and that way you can make sure that it is exactly the way that it needs to be based on the laws in your state, which it does vary from state to state and he or she can ask questions. Perhaps you haven't thought about how you want to handle certain things even give you some counsel and I would look for somebody who's a godly individual who knows the Council Scripture and can help you walk through it. From that standpoint indefinitely if you're going to go to the extent of the trust just because there are so many nuances there. So if you don't have someone I would consider hiring someone to do that you could connect with a certified kingdom advisor there in Orlando and asked for a referral to a godly estate planning attorney all cicadas will have somebody in the Rolodex that they trust that serves in that capacity and you can find a CK there in Orlando by going to our website moneywise live.org just click find the CK and you can put in your ZIP Code.
But again you know if it's the if it's that or nothing. I would say yeah use the software, but my preference would be to hire someone grace thank you very much. Let's go to Ohio Cleveland area W CRF are stationed there and Lorraine what your situation with your family and will you're wondering about how to leave things behind when you pass. I don't know why or I got a strange comeback by my home and let me live here read. However, weekly at the time of sale.
Okay, wait, and it really on my mind like a child. My baby has already had a kidney labor transplant and now his family and we have a donor umbrella (if things go well.
I would like after I'm gone for my daughter and my youngest Aaron to be able to live here if need be I don't know the future will call all I have. Well, I think.
Unfortunately, these two things are in conflict with one another in the sense that if you were to sell the home Lorraine to your son, then it would be his and he wouldn't necessarily have to abide by your wishes after death because it's his house.
So I think the question is will you know we would gotta sulfur both items number one is I assume he's trying to help take some of the pressure off of you financially.
Now by buying it and perhaps there's another way that he can help you make those payments and yell it into ask reflect his desire to be of assistance to you, but you still maintain possession of and control of the home on the title, which then gives you the ability to plan for how it's used beyond your life, which could involve no will or even a trust.
If you want to be able to have certain stipulations as to how certain assets including this home are used. Once you are incapacitated or go home to be with the Lord but unfortunately you know if you have any reason to believe your expresses your wishes would not be carried out by your son, then there's no way to guarantee if it's his home that he's purchased from you that it would be able to be used the way you're describing beyond your life doesn't make sense when and why in your planet.
Three year plan to call me. Lenny Baker, what is it you're trying to accomplish said is there a shortfall in your budget each month.
Okay talk to me about that. What are you bringing in an income each month.
I what are your total expenses bare minimum and that and what is realistic though it on a monthly basis that it cost you to maintain your lifestyle.
Keep the bills paid $300 that all states that I received from my mother and at 25,000 feet okay you got $25,000 thing you're taken. What's a $300 that's going to last you know 83 months. You know that seven years that that money will last. If you continue to take it at that pace. And when you take that 300 a month on top of the 957 you're able to cover your bills including the house payment okay and obviously your son is wanting to help one way he can do that is to buy the home and then you know you take that expense off the table. Is he willing to help another way by pride, providing assistance to you supplementing your income rather than buying the home.
Yeah well I think that's kind of the next step. If you sat down with him and going over your budget, in detail window for 12 years now. Kind yeah well I think you need to have that conversation again and including expressing your desire for how the home be used beyond your life and you know, depending on his relationship with these other children that may or may not go over well. Perhaps we need to look at another alternative there and maybe there's a way you know to provide for them. Beyond this scenario, you've come up with where they don't live in this home and in fact this may not be the best place for them depending on how long the Lord to reason how long you know it is before the Lord calls you home so I think right now what we need to solve for is how do we keep your bills paid and honor your sons desire to help you and then come up with a good plan.
Longer term for how you can be of assistance to your other children, but I don't think selling it to your son is, is the solution. If that's ultimately your desire so I think the next step is to sit down with your son.
Explain all of this. What you're trying to accomplish and to see if the two of you can come up with a workable plan moving forward. The ring we wish the best. You don't have to move quickly like you know you don't have to get it all a set aside and put together in the next week or so, but you don't want to drag your feet on this either and will be praying for you as you work through this.
Thank you so much for your call today. Indiana Jeannie a little bit of time left.
Can you give it to us quickly are my lack of survival can after my need to fight. I'm very well as far as I'm out here so that a life water supply and lurking around. Sure, Jeannie. I think the question is, ultimately, is your dependence remaining on the Lord you've Artie called out that idea that you certainly wanted to be because we don't want to trip over into a hoarding situation where we tried to insulate ourselves from having to rely on the Lord, but clearly Proverbs 6 tells us go to the two sluggard considered its ways and be wise, it has no commander, no overseer or ruler yet and here's the key.
It stores its provisions. In the summer and gathers its food at the harvest.
In other words, to plan for the future is godly and wise and to that end, having some food and water.
In the event of an emergency is a bad idea. I'm from South Florida where we had hurricanes and we did that regularly.
So I think the question is are we just trying to weather a couple of weeks of the disruption like we saw with the pandemic. We can't leave the house or a storm or a natural disaster or is it something much bigger than that and ultimately where is our hearts and at the end of the day are we trusting in the Lord is our provider for provision and only you know where that line is, but I don't think there's anything wrong with having some food and water and you know some some cash available you in the event of a disruption of the flow of goods and services for any number of reasons that that might be known or unforeseen down the road, but I certainly wouldn't go your way beyond that and try to have months and months and months Jeannie. We hope that helps you something to think about in prayer. But I'm glad you brought it up today. Thanks so very, very much. This program moneywise live is a partnership between the radio and moneywise media. Thanks much for joining us today. Also, my thanks to our production staff that would be a median that have been rich and Gabby T. T.
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