This broadcaster has 402 podcast archives available on-demand.
Keep up-to-date with this broadcaster on social media and their website.
September 8, 2021 5:16 pm
See omnystudio.com/listener for privacy information.
Uncle Ryan has been talked about how We find I sound like a broken record. I been doing this for 18 years.
I've never seen a market like this in my life values have generally been skyrocketing. The last couple of years with interest rates being so low. I actually seen refinances were people are able to cash out the newly found equity in their homes to home improvements, whatever it may be and still save money per month compared to what their prior mortgage payment was so it's worth a shot to give us a phone call and one thing I can promise at United faith mortgage is we will not be pushy. It's one of my biggest pet peeves I can promise you we will not be that way. I like to see it is my job is to present you with a few different options. I step back. I let you decide and I'll let you call me when you want to move forward. We like 6011 Jesus says if you have not been faithful in the unrighteous wealth will entrust you the true riches Rob West faith-based investing continues to grow rapidly as Christians acquire new tools to put their money where their values are in ways that glorify God will talk about the first today with Robert Messerli of inspire investing your calls of 800-525-7000 800-525-7000. This is moneywise live biblical wisdom for your financial decisions for my good friend Robert Leslie yesterday Roberts, the CEO of inspire investing in underwriter of money was there in the forefront of the exciting faith-based investing movement and Robert great to have you with us again.
It is always good to be here to rub Robert. We get calls all the time from folks who want to align their investing with their biblical values that are just not sure how to do it. They may not be familiar with the screening tools that you all there.
Inspire it had in place for a long time.
So what you tell us of her moment just about inspire insight Sherlock to fire insight.com three totally put together out of many years of talking to Christian investors to buy just want to know what their method and write from a biblical back and have no way of finding out the put simply good inspire insight.com you can instantly screen your stock up on ETF and see all the good the bad and the ugly.
What's going on inside of the company how they're making money out a note selling pornography, are they manufactured abortion drugs were they doing turn a profit and I all very simple, with a click of a mouse inspire insight and a note really allows you to get into the granular details of the values-based issues that may be in your this is giving its customers access to information. Frankly, that they haven't had access to before in one place. Again, inspire insight.com's Robert I'd love for you to talk about what has gone into bringing all this data and and then I know you've recently taken a step further, adding even more screening data, so perhaps you can bring us up to speed on that as well.
Well, millions of dollars we we put into it it with the passion of our to help guide people got money for.glory and joy. And so there's a lot of technology behind this.
We screen every publicly traded instrument for the company or ETF, etc. that on a major global exchange and it's all updated daily and believe that the millions of data points.
We leverage artificial intelligence technology with our children. Valley roots and every day all the data points are being scrubbed through this technology again good data bad data you know it is all going into the machine and then we have a rule-based Algorithm that helps market information and simple to understand score inspire impact score goes from negative on a deposit of 100 and anything about zero would be more aligned if it will values. Anything below zero at issues that you want to be aware of any dimension you can dig into different categories. Those issues things like environmental stewardship or good supply chain or corporate governance as well as the problematic issues such as bioethics, etc. so there's been a lot of moving part behind the theme, hoping to keep it running and it's really inspiring to get messages from all of the world really you are finding now. The two hopeful and for the first time able to really see into get insight into their core folios biblical values perspective and can be informed to make decisions for God's glory and how their investing his money recently added some new screening data categories. So tell us about the were always trying to keep up with really the cutting edge of a rapidly developing market in these environmental, social and governance investing categories and so we are have aligned all of our data with little technical on Mondays 26 materiality categories of the sustainable accounting standards Board's ASPI 3026 categories of issues that have become the standard that we look at an investment industry and were aligning the data in inspire insight with that was also added data regarding this industry which I think were the first screening tool to do so and sitting with it at all times. Very good. Well it's inspire insight.com Robert Metzler joining us today work on the exciting developments related to faith-based investing right around the corner. Stay with us will be right back back do you want your biblical values align with your assessment swell exciting news is the whole faith-based investing movement allows you to do just that. Right on the forefront of this movement is inspire investing in joining us today is the CEO of inspire investing my good friend Robert Metzler.
Robert just before the break you were talking about this exciting tool that you make available free to allow investors to see behind the curtain if you will. What's going on in the companies that their investing, and whether their stocks, mutual funds or exchange traded funds and it can all be found in inspire insight.com course, Robert. All of this is just a great idea and nothing happens unless people start using these tools, so tell us what trends you're seeing in the faith-based investing space and whether or not you're encouraged by the grid really is fascinating to see the trends as we've been running the program for number of years keeping track of you know what companies are involved in. You know what problematic issues and trends are and so we just are putting the finishing touches on our annual screening update for the categories of LGBT activism and abortion to the primary categories of interest to a lot of our investors. These are hot buttons in society course and know a lot going on in the corporate world.
And so when we compile the data, the couple highlights were to put out a paper that goes really and in depth on these trends and and also if you want to get a copy that paper you can sign up for free for an account inspire insight.com and you'll be updated in notified of this data comes out so you want to stay up to date now be a great way to do that. But there's a couple trends so on LGBT front. We notice that there are decline to complete that decline in corporate philanthropy and the elder began activism. So let's companies donating money to have activist causes and at the same time there are slightly more companies that are involved in LGBT promotion campaign such as maybe they're creating rebooking the products or something that I go out in the gay pride month celebration at all, and also legislation to rise in the legislation support from companies, but to the marked differences that we see the companies who are involved in these items are doing more each year. So there's not that many more companies being involved in the companies that are involved are doing is that of one or two items are involved in three or four items account of the turns the volume up a little bit on issues and that were digging in with our shareholder engagement campaign that is coming on the heels of new data set. Let's talk about that because as you said screening tools allow you to weed out companies that are honoring God with their policies or products puts this more active approach the Christians can take that your calling. Corporate engagement is a pretty exciting aspect of faith-based investing, so to talk about this campaign but first give us your definition of corporate engagement engagement can take another shape. Basically it's an investor reaching out to business and expressing their viewpoints on the third topic so NRK now we do that is we never reach out investor relations department and let's say that there's a company that sponsored a gay pride parade, let's say, and we want to just express how we learn about our value to shareholders. That's concerning to be proud of the company do their business or you stop donating money to Planned Parenthood or what have you and engagement company might not listen to you, but oftentimes they do and I even got further and you can file an actual shareholder resolution which we've done recently been part of a resolution coalition, so to speak with Amazon and I with some positive results. There as well as some others previously so it can be can be a think mystical phone call relations or filing an official resolution showing up at a shareholder meeting and talking to the board's great and now you're launching an exciting new corporate engagement campaign this year, so I'd love to hear more about that as well. Actually, every year when we finish compiling our annual annual data and look trends. We don't just want to look at the data and then walk away. That will be to look so we want to see if it what what happened. I believe the data to glorify God, how can we be salt and light as investors both big and small and really engage with the culture around us and you can't you get like Christ and so is here we noticed is there are hundred and 13 companies that are what we would call first-time offenders striper time violators so they had previously had no negative issues for positive impact scores, but for one reason or the other. This past year, 113 of them have slipped up in one way or the other and that we would really pay attention to these companies because want to nip it in the bottom right reach out let them know that there are investors who care about biblical values and wash and cut issues and and I encourage them to kind of turned back and forth too late. I guess you want to call it that, in that group. We notice that 46 of the first offenders signed on to the HRC business coalition to support the equality after the big push right now to to pass the equality act.
It's kind of the misleadingly named act in our opinion, and a lot of businesses are being convinced to sign on to this coalition for me supported and what were doing is working. Reaching out to companies generally educating them on the grievance problems. The equality act has for religious freedoms and and other things like women's sports and all issues that come up with this act and we find is that these companies you know they want equality going to be seen as supporting their employees. LGBT employees and others, which is wonderful. Every employee should be supported and cared for by their employer. However, what they don't realize is that act also stripped away religious freedoms from their religious employees and any employee that has a daughter in women's sports. You know it can have issues for educating on that issue and looking to have them see in them in a different light. And God willing will get some change. This is great work. We have just about a minute left, one of the goals specifically for this campaign and how can folks get involved in the goal is simple, we want to fire transformation for God's glory help you companies to have a fuller respect for the views and freedoms of the religious employees and customers etc. mentoring reach out with Emily and prayerfully and hopefully get corporations to change the way you know were were looking to get educated companies on what the equality after really do came into effect today. Now you get involved if you go inspire insight.com network recount and were to be launching soon shareholder engagement campaign feature where you can but you can get involved in the campaign that were running can also you can start your own campaign, to kick starter so to speak.
Really easy fire page couldn't miss use and inspire insight does all the hard work for you. You can share in the media and I were really excited about that, but more to come in the coming weeks and months, feature will be sure to get inspire insight.com it's all three. Robert, thanks for joining us today in challenging us to put our money where our values are always I think governmentally sealed inspire investing is that yesterday you can get more email@example.com your calls or text 800-525-7000 number west of this is moneywise live biblical wisdom along with moneywise today around west your hose taking your calls and questions are financially love to hear from you got some lines open as we apply biblical wisdom to your financial decisions. Questions here's the number 800-525-7000 800-525-7000 but we began today by talking with Robert nets Lee about faith-based investing in exciting and growing space in the investment landscape. If you want to align your values with your investments, whether that's with individual stock purchases or mutual funds. There is a great opportunity with a growing number of investment fund families and exchange traded funds where you can have your values expressed either by avoiding certain companies that may not align with your Christian values perhaps embracing others that are making a positive impact in the world, even a kingdom impact and engaging as a shareholder to express your values to company leadership.
It's all a part of an exciting and developing space in investing called faith-based investing. If you want to know more. We got some wonderful articles by some of the leaders in this space on our website to said moneywise live.org that's moneywise live.org go to the learn tab and you can look at all the great content there on faith-based investing again from some of the pioneers and most respected names in this investing segment so more to come on this in the days ahead will continue to do interviews and I couldn't be more excited about where this industry is headed. As Christians are able to reflect their values, their Christian beliefs not only in the planning side of financial decision-making, but in the actual investments as well. Let's get to your calls today. Here's the number again 800-525-7000 were going to begin in Aurora, Illinois, W MBI Joanne, thank you for going out can help my question how you think.
So when you're typing a portion of the church and anything over and beyond what goal because I get them out to Moody every month and the night past year but then bring it. Some of the programs I listen to thinking I should be breaking that I'm giving at the program and the other thing is I purchased some friends say that when there's someone that they take money from what they type the church and they give portions to people that are in. Well it's a great question.
Okay well I appreciate that Joanne and you know we are under no longer under the law of Moses were under grace of the law of Christ. You might say is we've seen what Jesus did for us on the cross and when Christ came, I would say that he raise the bar so you know we don't necessarily have to give a time, but I love using that as a starting point. You know if that was the minimum standard for the Old Testament believers.
Perhaps we should do that plus and so what I would say is God's plan a is the local church, what would be most equivalent to storehouse giving that we see in the Old Testament would be that home church where you're planted they would give to the temple. In fact, they would give more than 125 so if we start with the 10th, which is what the word Thai means of our increase.
That's our provision from the Lord from any source. I would say yeah let's use that as a beginning point for our giving build that right into your plans for your giving proportionately and systematically and I would.
This is my conviction.
Start with the local church for that, then we want to give free will offerings. Beyond that, I would say we should be looking to increase our giving. Over time, and even think about what it means to give sacrificially. We certainly see that modeled in Scripture. So I would take any gifts to others in need, or ministries like your describing and make that a part of my free will giving beyond the time but at the end of the day you want to give, not out of compulsion. Clearly, we see that in the New Testament you want to give cheerfully and ultimately I think it's between you and the Lord to say Lord hundred percent of what you've entrusted to me is yours now.
How much should I live on what should my lifestyle be and how much should I return to you. And as we've said many times, the author, Randy Alcorn calls the tide the training wheels of giving. We were talking about that.
Just this week with our Dayton. So what if we start there.
Now if you're not able to begin there. And I'm talking generally not specifically do you Joanne, but for someone who says I've not been a giver and I can't begin with a 10% tithe or just my finances are ordered. That way, why would say start somewhere and begin to give systematically build it right into your plan. And yes, start with your local church and then purpose yourself over time to increase that perhaps a percent at a time until you reach a full tithe and then look to give beyond that, and here's the real opportunity for you as you give not only will experience the joy that comes from being connected to God's activity through his resources, but I believe the tell you'll experience more intimacy with the father and it has a tendency as we give to break the grip of money over our lives. If money has any sort of control over us and the things that money can buy, holding it loosely and giving generously is a real way of connecting our hearts to the father so I'm not can give you a kind of a, here's what you have to do, but I think it just kinda within that framework is an opportunity for you on your knees to say, Lord, what would you have me to do and then proceed accordingly. But give me your thoughts. I that I just like I paycheck every paycheck to paycheck think that I have to pay himself here. If your church is accustomed to receiving a certain amount of money that they're accustomed to receiving and then we always you know in this country we have more than enough so to be able to take from some of the things that were for real with and give to things I like my light. It just comes back to me as more software I have more to get my I went dead and I grew up very poor and I'm telling you, the more you get, the more you get well I gotta tell you, I agree hundred percent cranky through your calculator how 90% could go farther than 100 doesn't work there and yet I've seen it play out in my own life and thousands of people that I talked to counseled over the years. That's just how God's economy works is not a cosmic yet and yet we know there's no blessing that follows the common number of forms, and it's the one area. Malachite said test me and so take him up on that generously and see what the Lord doing think hard to come thanks for joining us for moneywise live around Western hose was your financial decisions. Got supplies open today would love to hear from you.
Here's a number 800-525-7000.
Let's head to Indiana WGN are Joanna thank you for getting question I've been living with a family member for most of my adult life and I may need to be moving into the rental situation in the near future. Right. I don't know for sure but I'm just thinking ahead, and I was just wondering about what should I be looking at in terms of like rental income ratio how much like what sort of arrangement I be looking at. Given my monthly income. Yeah well this is really important now more than ever.
Just because rental prices are elevated. As a result of what's going on in the housing market as a general rule of thumb, I would look at what your budget can accommodate and then go out and shop for that place, whether you're renting a home or an apartment and work off of for what your budget will support, but we advise using no more than 25% of your take-home pay Joanna on housing and that would include utility costs, like heat, water and electricity. Now that could be difficult. In this environment, but if you can do it. You have a much easier time managing your budget now, if you find that you need to push it up beyond that now 25 to 30% or more. Again, you just have to make all the numbers ballots, but I'd start with the spending plan, perhaps beginning with that 25% number. Looking at what that translates into and then go out and shop around and just see what you be able to find what you can get the location in the place that you be comfortable with and if not you need to push that up a bit, but you gotta again go back to the budget and make sure that you've got enough margin to fund an emergency fund to take care of all of your fixed and discretionary expenses. But that's the better way to go, as opposed to going out and finding the place you want in the just thing okay now I've got a fit this, and especially with rates a bit higher, but tell me if you have any questions.
Well I have a follow-up because I think in terms of my other expenses. I really don't have very many cars paid off.
I have no dad died from eating out some minor charges on like a store credit card that I do want to allow skill I have in terms of margin. I have all a lot like right now I currently am saving close to half of my income goes into maintaining every every paycheck that you know would be which obviously that would change back in. But I'm thinking I could probably remember that been trying right so far I could probably go as high as 40% of my take-home pay and still have plenty left over, and I'm just wondering email.
Oh I find that the numbers that looked at so far in terms of like it. I could probably go as high as 40% of my yelling towards rent and utilities and still have plenty of margin left over so I was wondering if that will be flirting with danger or yeah it's dangerous. I think the key is just what are you giving up so with limited resources and an unlimited number of of opportunities. I think you've got a start with waterfront my values and priorities, and if money is a tool what goals in my trying to move toward both in the way of giving and saving and breaking down your savings into what's an appropriate amount to be putting away for the long term for retirement look for that number to be 10 to 15%. Are you saving for a down payment on ultimately buying a home. What about replacing a car and then obviously fitting in all of the fixed and discretionary expenses. But the more you push up beyond the 25%. Even if you can quote" afford it. You just have to look at what the trade-offs are and you know as you begin to plan for the longer-term and look at bringing some more specificity to those savings goals that you have.
I think then you have to ask yourself, am I okay taking this extra 15% and putting it toward the rent, perhaps temporarily because prices are elevated and I recognize in doing so I'm giving up my ability to save for these other things or what I rather really buckle down and get something that fits more in that 25 to 30% range, and therefore I've got an extra 10% of my take-home pay that I can use to fund some of these other goals so it's not dangerous necessarily because it sounds like you're living well within your means and that's the key. I think the what's more important is just really taking the time to define the goals that you have both and in the short and medium-term as well as longer-term and then just decide whether you're pushing your housing expense up in lieu of funding. Some of those other goals is more important to you. Good, thanks to and we appreciate your call today to Sandpoint in Idaho. Bill, thank you for holding.
How can I help you protect my call. Try to make a decision when it's appropriate to tap into the equity in all and whether that would be through a home equity loan or line of credit situation is that we have a three bay garage under the third bay is what we would be converted into a apartment for disabled son who lives separate from us now, but to move call in the near future. It's either that or converted into psychotherapy and be apartment so we could get some income from it to maybe cover something to help subsidize him and/or let my wife and I plan to do when I retire jiggers ago and that was to travel with the COBIT, all that stuff is difficult but is it appropriate to tap into home equity line of credit, or something like that to do that yes well certainly you could mean I think the key is what you trying to accomplish.
And if you want to convert the garage so your disabled son can live with you all. That sounds like a wonderful idea if that's the best place for him and you and your wife of thought and prayed through that. Now how do we fund that is the key in, you've got a look at what your options are if you had assets that you could tap that would make sense for that love for you to do that without taking on debt, but if you have the equity in the home you've thought through the long-term implications of that in terms of being at a place where you know your debt free in a reasonable time.
So that you know as you move into retirement. If you're not there already. You've got your lifestyle as low as possible and then of course making sure that whatever type of loan you take on fits well within your budget and you factored that in and you have the means to cover that without putting any strain on you in terms of the type of loan I'd be looking at you know you could probably want to look at a home equity loan as opposed to a line of credit because in this is historically low interest rate environment bill you can build a lock in a low fixed rate as opposed to a variable rate which will increase over time so that sounds like a good plan to me and a lot of these are nonfinancial decisions you need to make first. Do we want to try to be able to move your seller place and do more traveling or hang onto it. Can we afford it. Is this the blessed best place for her son and if so then how do we fund and certainly tapping into the home equity through a fixed rate loan fits in your budget. I think it would be a great plan. So break your use down the line will talk just a bit more off there should you call today as well just around the corner.
He is not as financial decisions.
West for you to sign up to receive our brand-new money wise weekly wisdom email delivered to your inbox every week with the best articles that we've been able to share with you that week. The best podcast, the ones that are trending, as well as our Scripture of the week. We'd love to put that in your inbox so you can renew and refresh your thinking around money according to biblical wisdom, and we got some great articles to share with you, so sign up at our website.
Just go to moneywise live.org's go scroll down to the bottom of the page. You can create a free account and will make sure you get that great content every week that goes out starting this week, 800-525-7000 to Nashville Tennessee W MB W hi Daniela, how can I help my call. I really thought what you think about current daylight corny area is a lot of excitement about potential lead bit coin of fidelity came out with something that on that date potential to go up to hundred million dollars of that going by 2035 yeah you know the problem is a mean this technology is here to stay bit coin is simply a currency into digital currency without a central bank backing it. Where is the theory is a ledger technology that companies are using to build new programs are both built on what's called block chain which is the technology behind it and it's essentially a digital ledger of transactions that's duplicated and distributed across the entire network of computer systems on the block chain which helped folks are using to track these types of transactions makes them anonymous and you know it can be accessed instantly from anywhere. The problem is if we look at it as not just a technology to use, but we look at it as an investment. It fits into a category of investing Danielle. That really is hyper volatile real people have made and lost fortunes with these sometimes in the same week, which just puts it in a highly speculative category that I just don't feel comfortable with and investing God's money because we need to be very well diversified, and I think taking that level of risk is just not prudent what we see described in Scripture around that investing is a steady plodding and I would think this type of investing is anything but steady plotting. So, although I would agree there's probably no these are here to stay and will see many of them be huge winners over time. I just think that the perhaps the level of anxiety that you would introduce not to mention just the potential volatility or adding to your portfolio with these is just not worth the potential reward. Everything is about risk and reward. And again when were trying to be careful stewards of God's money. I think this highly speculative category unless you're a professional trader with training doing this for a living. I would say for the average investor I would stay far away. That's just my perspective, but I hope it's helpful to you. We appreciate you calling today Denise in Wilmington, PA. How can I help my call and I are bar borrowing power on got a small loan is about $10,000 for a family member who is getting having financial trouble so she's paying extra sheet making the payment to me. I'm posting the payments. Make sure it gets done I felt my question is I have her from payment. She's been making. I have her paid to January 2022.
My question is why is it that these payments in advance of the due date into the next month that far ahead or would it be what it accelerate the pay down and be faster if I just posted click right now I could put three or four payments of principal only. Yes, that would help yeah sure does, because you know with the simple interest loan is calculated by multiplying the daily interest rate by the principal by the number of days that elapsed between payments and so you benefit by paying it off early each month because more of that payment goes toward principal so you know, if you make your payment before the due date blessed interest will of accrued, then if you paid it on time and we want as much going to principal as possible because that's what's going to bring this balance down so you can pay early, you can pay more frequently or you can pay something extra on a simple interest loan that certainly to be in your favor. She payment $218.90. She's paying 300 right now she's she's due for January so it next three months I take that entire $300 to the principle that still do not accrue. So it still could be better for me to post $900 towards the principal and reduce the calculation after a penny faster right. That's exactly right because, as the interest is computed, it will be based on a lower principal balance which means you'll pay less interest. Which means that loan gets paid off quicker so yeah anything you can redo do to reduce the principal on a daily basis is going to ultimately benefit you and I think that's your ultimate goal here, so I would say yeah go ahead and try to prepay that if that works for you and you will come out ahead in the long run. We appreciate your call today at the Joliet, Illinois, Lena, how can I help I think you know.
Yes, it probably will you know this. The payments on that are typically not reported to your credit report, but if it goes into foreclosure, or any type of collection and typically that would be shown either as a collection account or a foreclosure account, so once these types of agreements get into that status.
That is going to begin to impact your credit so you want to try to avoid that if it all possible.
Yield a foreclosure entry appears on your credit report for seven years in the public records section. You might also have past-due entries and collection agency interests. The entries on your report from previous collection effort.
So foreclosure entry alone and in all these scores are different, but would you could account for as much as 160 point drop on your report which could make it difficult for you to obtain future credit.
So I would say if it all possible.
Let's keep that current and then look for other ways to remedy the situation by either going back to the company that sold it to you.
See if they will be willing to take a backseat. If you could sell it privately to someone else and another way to check into all of this in terms of your option would be to look at the timeshare users group, which is a tug to UG and then the number two.com tug to.com so hopefully that's helpful to you later. We appreciate your call today.
Let's finish today in Indiana a bullet.
How may help you bubbler you with this. Okay, looks like we've lost the bullet will see if we can get a bullet back. We appreciate your call today. The folks we've we've covered a lot of ground today. You know, as we think about managing money. It we want to look to Scripture and pull out the principles and you know we tend to make finances pretty complicated and it can get complicated. The time so I think whatever we can do to simplify the money conversation around biblical principles and ideas. We are going to come out ahead.
Ron blue. Years ago my good friend and mentor testified before Senate subcommittee on low income Americans and the question was asked, they said Ron if you could tell the American people. Anything related to their finances.
What would you say he said well I would tell them five things he said I would tell them to spend less than they are until them to avoid the use of debt until them to have some margin or some liquidity in their financial lives. I tell them to set long-term goals, and then I tell them to give generously and does Sen. Dodd at the time, pulled out his pen and started writing that down and said would you keep that in heat he went through the five again spend less in urine.
Avoid use of dad to have some margin liquidity set long-term goals and give generously generously in one of the senators then remarked well you know I think that would work even for high income Americans and Ron responded yet. Then even the United States government and here's why.
Folks, we might snicker at that a little bit but the truth is that those five ideas come right out to God's word. Those are principles we see in Scripture about how we should manage God's money and they apply to everyone, including nations, and so when we handle what's been entrusted to us because it all comes from the Lord.
We take what God's given us and we manage it. According to his principles by holding it loosely in living with contentment and living well within our means.
By accepting God's provision and then having extra so we can give generously and we can save for the future and we can set some long-term goals because we know the longer the perspective. Today, the better the decision were going to have as we make our financial decisions, then I believe we've then put ourselves in a position to experience God's best. Now that doesn't mean that it's everything to be okay were not to go through hard times when I can have seasons of financial difficulty.
We absolutely will.
The question is have we done what we need to do to be found faithful and that's why we want to go back to God's word and continue to meditate on what he has for us in this in this area. 2350 verses that I think can help us to calibrate our hearts to his do that experience freedom, joy, contentment, better communication among husband and wife and family members be able to experience all the so that's my encouragement to you today hope it's a blessing to you and thank you for being here want to say thank you to my team today. Dan Anderson areas. Thank you for being here as well. Moneywise I was a partnership between radio moneywise and tomorrow will