Stop Wasting Food

Real radio uses the 5000 in jobs since gives his disciples a clear instruction often overlook the pieces that are left over. Let nothing be wasted wants to waste a tremendous amount of America money where today financial advisor Rob West has some ways to cut losses which are false of 805 five 7800 525-7000 times more stop wasting right here moneywise wants to talk about, but it's the rear household that doesn't have some kind of science project going in the fridge things that are things that are green of many shades, and I wouldn't be back in the corner there just how bad is this problem well, it's bad.

Steve, including what you just described that if only half of what a recent study found his Druids bad researchers at Penn State to determine the average US household weights wastes. I should say ready for this 32% of the food purchased.

They used data collected from 4000 household so it's not a small study revealed that two thirds of those household wastes between 20 and 50% of the food brought home from the grocery store and that even the latest wasteful families. 10% of the food they purchased goes on Eaton look at the bright side, this is how penicillin was discovered sure something like always a glass half-full kind of guy. What what kind of money are we talking about. Well, listen to this. It translates to nearly $2000 a year in wasted food for the average family now while that's bad. It also leaves a lot of room for improvement and we can definitely do things to cut down on food waste. Yeah let's get into that because I know you have some ideas for us where we start the first idea is pretty simple.

Just start taking notes of what you throw away whether it's a left on plates after a meal or one of those science project. You talked about growing mold in the fridge and write it down and in a few weeks you'll get a good idea of where you should buy smaller amounts of things. Next, pay attention to storage life.

Some foods last longer than others, so save things like apples, carrots and potatoes until after you've eaten the softer fruits in the leafy greens that spoil faster or get a dog okay let make sense I know what else. If you have any children.

Pay attention to how much food you put on their plates, some of which often gets wasted. You can always give them seconds if they want more and then store the rest. And now that you've got leftovers in the fridge put them to good use so they make perfect lunches the next day for you or the kids. And if there's a lot make it a second dinner. Some meals like spaghetti or lasagna actually taste better the second day. At least that's my experience. Yeah, I've noticed that as well maybe not with the old fish pond anything anything else.

Okay what else all right. How often have you come home from the store and found that you already had something you just bought.

Well that can lead the way. So take time before heading out to see what's already in the fridge or pantry them cross those items off your shopping list, which by the way, you should always have exactly okay. Good idea what's what else well pay attention to the contents of your freezer meets often get tossed in there and turning to Frosty the Snowman before you can think to use them at the same time.

It's okay to rely on frozen fruits and vegetables if you don't leave them in there too long. They may actually have more nutrients frozen then if they're allowed to wilt in the fridge and Tristan K. Frosty the Snowman in the freezer are about notoriety. Well, we often waste food without even knowing that we tend to toss things that out that are actually quite edible and nutritious. For example, he broccoli stems instead of discarding them when you prepare fresh broccoli, cut them into smaller pieces and you can make a soup out of the mom told save those squash seeds and baked for a snack. Spikes carrots with the top still on them. Well, those greens can go in a salad. Again, I'm told, so the idea is to think before you toss and if there's a way to turn those scraps into part of a meal. Well, why not this is an enlightening carrot tops in your salad. Who knew anything else bothers another one. Think ugly and here's what I mean look for things that are pretty in the produce section, sometimes stores will actually set aside things that aren't perfect like potatoes. Maybe they're lumpy or misshapen.

Mark them down in price. They taste just the same. Save a few bucks on no Mr. potato head listening to moneywise live 805 five 7000 buying a home is the largest most nerve-racking purchase. Most of us ever make. It doesn't help that you're entering a maze of unfamiliar words and confusing options that can leave you intimidated frustrated and afraid. You can take advantage of navigating the mortgage made by Dale Vermillion help you clear up the confusion on rack your nerves and make the best mortgage decisions possible with confidence navigating the mortgage maze available when you click the start button moneywise live.org for 30 years. Sound mind investing has been helping Christians reach their financial goals. Step-by-step guidance for investors at every stage from those just getting started, those getting ready for retirement through scriptural principles and practical suggestions. SMI offers financial wisdom for living well. More information short via webinar on profit and peace of mind and matter what's happening is available at sound mind investing.expressing something looking like dignified debaters from Central High School Jefferson high school. All right, let's get started. Central gives your opening argument on religious expression at school. The founding fathers of our country would roll over in their graves if they knew prayer, Bible clubs were meeting at school is no place for were here to educate not indoctrinate and Jefferson your opening statement.

Please religion is like ice cream.

There's lots of choices, and we should sample as many choices as we can say one religion is better than another religious expression at school should be encouraged, getting tired of all the talking. How can you debate the important issues without any morals or values you have to have truth. Otherwise, the answers to critical issues. Jesus said the truth will set you free in the Lord Jesus is. If that is robbing you of freedom and peace of mind.

Christian credit counselors can help where a nationwide nonprofit counseling organization has helped over 3000 individuals in the last 27 years get out of credit card debt percent faster while honoring that that info to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors not call 800-557-1985 moneywise live last calls and inviting all the answers. I'm more just kinda helping out around here like cleanup baskets and during the break, someone contacted us Rob and said that penicillin, the penicillin strain that we all use today was found on a great soft drink bottle behind a shopping mall somewhere something and you know I don't know if it sounds fascinating though, but others have been calling in caring for Karen is with us right now will have to give the phone number first or Rob will flare me 800-525-7000 800-525-7000 button oh but the caller we were all set to say hello to we lost her phone line. It was Karen and she had a chip for not wasting food putting veggie peels and bones in the freezer to cook down for stock for when you make soup or something like that for Karen since the ideas original with you if you're still out there listening and you want to try to calls back will try to get you one year but if anyone else has some suggestions about ways to save money on food, not waste food. We love to hear it. And of course you taking your financial calls on anything today 800-525-7000.

I felt Rob we've had a number of people answer this question on her Facebook page today. The question was what ways have you found to cut food waste. Lisa says always ask for a carryout box when dining out, and then have a second meal the next day I lie like that.

Maria says her family makes a menu plan and sticks to it and then Flynn want you to read as Flynn's response from Woelfel and Justice anything he can't eat right away. He freezes so I think there's a theme there that perhaps portions are larger or we might cook more than we need, and so saving that repurchasing it for another meal may be taking it for lunch and cutting cut down on spending by eating out would be a great way to stretch your dollars and not waste food so I think that's great to hear something I've heard just go through the grapevine that I can't just I'm just passing it on just the messenger.

I've heard that if you hang out late at night at Chick-fil-A and talking like 1 AM outback when they clean out the stuff and they put stuff in the dumpster. Occasionally there are there are several nuggets that find their way out into the parking lot and you're not a guy you could grab those up. It's interesting, I will tell you though my my brother-in-law who has kind of a green thumb has put a little personal composter in the backyard so he composting extra waste wasted food that there they have at the end of the night and using it in the garden so there's all kinds of opportunity Steve if you get creative. There you go. 800-525-7000. Anything you want to talk about that's financial today fair game and we have these open lines. So let's fill them up. That's what they pay us to do 800-525-7000 Allen's calling from Terre Haute, Indiana Indiana Ellen Woody have force or I want to say thank you. Guys I been a long time listener. Actually I got started on Dave Ramsey about two years ago and then I been listening to you guys for about a year and 1/2 now and is finally paid off last week. I actually hit a deer in my truck and roll it out and did not have enough insurance to cover it, but without your guidance and advice and listen to you guys and everything.

I am not a place where my credit scores. Great. I've got money saved up and I have a brand-new vehicle load 2019 that's paid for right off the lot. Well well Alan I'm so delighted to hear you've been listening, thrilled that you're active in our moneywise community and that you been applying God's principles which put you in a position when the unexpected calmness and certainly a deer running out in front of the car is the unexpected that you are in a position glad you're okay, but the you're in a position to replace that vehicle with cash. Tell me how you did it what what have you been doing is you cut back on your lifestyle that you cut back on expenses. How did you say that money the baby with a brand-new applying. Everything got talk about the food that you talk about today. I came across that about seven, eight months ago start doing that not going out on vacation not going out to eat all the time just watching every dime that comes then paid off. That's great, Alan Melissa. Now you stay on the line only get your information organist send you a copy of Howard Stayton's book your money counseling can be a real encouragement to you and by the way, you can get Steve Rob and Dave next Tuesday. Dave Ramsey is actually our guest on the 17th. He'll be right here on moneywise live, so be sure to tune in every day but most certainly next week and will look forward to having our friend Dave Ramsey along with us and Ellen while you've been talking to Rob. I've been googling, and here's what I found that the average white tailed deer will feed a family of four for three weeks so you kinda can you cut you. You covered a lot of different bases there. You got a new car, you filled the freezer. You are one creative guy. Ellen and God bless you brother were glad that you called in.

Make sure you tune in next week to hear Dave Ramsey he will be here on the program and were going to chat about all sorts of fun stuff. He's a fun guy and we like to think we are as well were glad that you called today 800-525-7000 Teresa and North Georgia. When you have force and out credit card debt and I have about $17,000 revolving credit card debt and most of it came about because of a family crisis where I had to quit my job and take care of a family member. Anyway, I've been paying on it for several years and I'm just not get anywhere. So my question is whether it be a good idea to just take out a home equity loan and get these paid off.

Teresa what I'm hearing from you is this wasn't a result of just lifestyle and overspending without a budget. Obviously there is a real event that occurred you had to step in and care for some family and that resulted in some debt so it puts it in a little different categories. With that said I still don't like putting it on the house right now this is unsecured debt not secured, and although the interest rates are higher than you probably want them to be in those low lower interest rates right now on home loans are pretty appealing. Organ collateralized by the house were also going to potentially stretch it out over a much longer period of time so that lower interest rate is not to be as effective because you we could end up paying on this credit card debt for the next 20 years or more. So my preference in this type of situation is to use a debt management program. Are you familiar with how that works okay so here's the deal. Credit card companies work through nonprofit credit counseling agencies to lower interest rates.

If someone will close their card and work through the nonprofit credit counseling agency to make their payments. It's not factored into your credit score. Although the fact that you are in a credit counseling program is noted on your credit report so if a lender pulled your credit report. They might see that, but it's not going to be reflected necessarily in the credit score itself. What's the benefit well of the combination of a consistent monthly payment to the credit card company through the credit counseling agency and the reduction in interest rates because just about every issuer will offer lower rates through credit counseling will allow you to pay this off 80% faster so I like this a lot better because it doesn't involve any new debt were not trying to consolidate anything, roll it up. We leave the right word is the account gets closed and then we send out one payment every month with that lower interest rate, which helps you to get a lot more going to principal reduction each month our partners in doing that they been doing it a long long time.

They're all believers is Christian credit counselors. I encourage you Teresa to start their Christian credit counselors.org to pray with you there to help you walk through exactly how this would work to tell you exactly what the interest rates would be reduced to and then as long as it fits in your budget, which it will because you been paying the minimums. Currently, you would just pay one monthly payment to any of those credit card companies that you have and then I think you'll be encourage that that will start coming down the balances, at least much quicker so that be the way that I go, I prefer that over a new consolidation loan and certainly over a home equity loan as well. Teresa, thank you very much for your call. We wish you the best as you work through that. Chattanooga, Tennessee hi Gary, what we have for us today. I protecting my call love your show.

I would think saving The New Year's day of checking expiration dates on food in the pantry and refrigerator and we found that we were doing last in first out and all the older stuff was sitting there year after year the oldest item we saw was 2010 house and a lot of accounts we threw away 25 gallon bucket drop food or liquid that expired beyond what I would eat and my rule of thumb was all he needed a year after the expiration good.

It takes a little bit old but you will feel it will make you sick January 1 every year. Clean out that old stuff. I love this way. There's so much that I like about what you talking about here. First of all your applying accounting principles to savings here with the last in first out to the concept. The second thing is what you're right. We had a tropical storm come through here recently. Steve was affected by it as well where we were out of power for days because of that is you know you got a clean out the fridge you and believe some the expiration dates we found so January 1 every year. Go through them all and then prioritize those that are the oldest, so you don't have to throw them away. Love, love it I love it. Gary great information.

Thanks very much for listening to moneywise line 800 525 a wrong turn when it comes to money we all share everything to which the way through that for me did not appear to you holding on to the ground from your tail. So Moses reached out my whip around my team very, very important. We see the detail so Moses reached out to turn back into a star. The Lord believe that the Lord their fathers, the God of Abraham, the God of Jacob, appeared to you.

We think God cannot use my degree you more about our money than most of us imagine Jesus says more about our money and possessions and about anything else, including both heaven and hell in managing God's money, author Randy Elmer and breaks it all down in a simple, easy to follow format that makes it the perfect reference to your interested in gaining a solid biblical understanding of money, possessions and eternity managing God's money is available when you store moneywise live.org moneywise live today were branching out beyond where we normally as far as topics are concerned, today's opening topic was stop wasting food. We were getting ready to turn the corner.

But then Rob all the light started blinking.

We have a number of people who are letting us know how they save money on food and not wasting food gales calling from New Mexico. What you guys do. Gail yes why scripts can you feed to a chicken I'm being serious or what will be well above any call her nailing a lot of a lot of the things that you might be throwing out yeah basically everything you don't need Steve, it sounds like they do let us then you eat the eggs and if you have to. Then you eat the chickens, but Gail would appreciate you call that I got bless you. Thanks so much Sandy calling from Davenport Iowa and Sandy. What's going on in your basement, Sandy, are you there almost hello this is Sandy we have going on in your basement paper all of your home container and the Fisher 30 fishermen are Fisher women in your family. You've got worms to go fishing. I suppose you got night crawlers okay to use red worms all right. And I have to ask, I don't have to ask this. You know what, I'm not going to ask Rob was thinking, protein not even please send this to say Sandy, thank you for calling.

You have made the program today and if we were giving anything away, we'd send you one but were not but were were glad that you called God blessed.

Thanks so much. Orlando Randy what's going on with your credit scores are first of all, your call about not yet got a lot were to go. You don't want to chicken chicken cutlet program and Angela cook up a chicken on the grill cook up, you know, hamburger jock make things a lot will help work. I think it once you're prepared to bring about my off-the-cuff you're going out there you want to eat now just prepared so check everything out for character, good to come home for cooking until yellow money that way when I clock next time Steve and I are on our way through Orlando will call you and pull them out of the freezer and go to town. I like I like it will bring some bread but you you're on the hook for the rest of that. Okay, what's your credit score situation question what credit score and got a friend.

You know we talked about the credit score, where there not let you know hi step of the people I like all but me? Do you got a little fire but you know is it really worth you trying to get you, like me, 95, it really worth going through all of it. If there really indifferent that you can you know you yeah you know unless you want to compare credit scores with your brother-in-law Thanksgiving and, one of them.

There's really no benefit to trying to get above 805 you qualify for the very best interest rates with that credit score. So I was just thinking following God's principles you'll be rewarded. Your you have a great credit score. So think about that with a credit score like that you can afford actually going occasionally don't happen.

Thanks for calling.

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No tilted toward the GOP 49 to 48 Democrat Carol Cunningham is conceded to incumbent Republican US Sen. Tom Tillis in North Carolina. Tillis led Cunningham by more than 95,000 votes from campaigners about lawsuits in key swing states melt looking to make sure that voter fraud is not tainted. The election Senate majority leader Mitch McConnell says the president is 100% within his rights to take such action. McConnell signed maybe projections are not the final official word on the election's outcome and poor planning on locating debt to US factories, 350 jobs that would be in Missouri and in Michigan, stocks finishing mix that I'll pick up 262 point the S&P lost, for this is SRM use find God's plan for your financial life moneywise live Rob less times more. And here's a phone number why this is a great time to try to call right now you will get in 800-525-7000 Coeur d'Alene, Idaho, Jennifer, how can we help our God, and can't go that directory reach out and cleaning off the lot. Here we training home if you want to collect and can't think of thinking that way for many. We got 20,000 Dell articulation program under John. He can't find lying Dell long-term rail good chunk of time I'm coming out and donning trying Out Now and Even Significantly Read Online.

No, No, I Totally Get Where You're Coming from Jennifer Lily Just for Say I'm Sorry to Hear about the Havoc That's Been Caused by This Pandemic in Your Lives Financially. I Know It's Probably Been a Challenging Season and Continues to Be Just Encourage You Though This Is Not Caught God by Surprise. He Is Your Provider Not the Camp, Not the Government, Not Your Employer, No One, and That He Will Not Abdicate That to Anyone Else.

And yet This Is Difficult. Right Now My Prayer Is That Others People in the Body of Christ Rallying around You Right Now and Were Certainly to Pray That Part of God's Provision Will Include New Employment for Both You and Your Husband Very Very Soon. You Know I I like the Idea of You Preserving Cash Right Now Is Much As I Understand Your Thought about Well If We Just Knock These out That We Don't Have Those Payments Any Longer and Were Sitting on This Lump Sum Which by the Way I'm so Thankful That You Followed God's Principles and You Have That Emergency Fund.

That's Exactly Why You Have an Emergency Fund for a Period like This Where the Unexpected Happens in This Certainly 2020 Was the Unexpected for so Many Families so I Think Right Now It's a Time for You to Continue to Pay Those Minimum Payments Try to Preserve As Much As You Can That Savings That Can Sustain You While You Continue to Pray and Search and Apply Just As He's Been Doing for What God Has for You All Next.

In the Meantime You Going to That Made a Budget Which You've Done Exactly That.

From What I'm Hearing You Moved into That Tiny Home Again Thankful That You Had That I'm Sure You're Looking at Every Expense. You Know You Gotta Start with Housing and Utilities and Transportation, Food, and Then Everything Else Is on the Table Right Where We Look at Every Opportunity to Cut Back into Save Expenses Just to Reduce Lifestyle and in the out Go on a Monthly Basis so I Would Hang on to That 25 You Have a Stretch It As Long As You Can Pay the Minimums on All the Debt so Everything Stays Current.

Try to Continue to Reduce Expenses As Much As Possible and Let's Just Pray That God Will Provide, As He Has Thus Far. Even Though You're in a Season You Didn't Expect Is That Make Sense Though Jennifer Had to Yell Something That I Would Take Jennifer. It's Not like You're Taking Advantage of Anyone Doing Something You Shouldn't. This Is an Unprecedented Time Were in the Midst of a Global Pandemic and These Lenders Are Offering These Skipped Payments and so Forth. Because of Their Trying to Help Families That Are in a Desperate Situation Trying to Preserve the Cash That You Have Which You down the Road of Things No Materializes Quickly.

You'll Be Glad That You Had That and I Can Guarantee You They're Going to Eventually Get Paid Because Anything That's Not Paid Now Is Gonna Be Going on the Backend and It Will Be Extended. Hopefully Will Be Doing That without Adding Any Interest, Although by Extending It out, You Probably Get up a Little Bit More, but the Bottom Line Is If There Are Opportunities in a Smart Way to Take Advantage of These Reprieves That Are Being Offered by Certain Lenders. I Would Take Full Advantage of That.

Until Such Time As This Situation Corrects Itself and You All Can See Steady Income Coming Back and so I Would Encourage You As Others Have, It Sounds like to Take Advantage of Those As Long As You Understand Exactly What You're Getting into.

We Don't Want to Pay Exorbitant Interest Rates, but If There Really Just Allowing You to Pause Those Payments for a Period of Time Because What You're Facing, That I Would Take Full Generally of 30 Seconds Here. Do You Have a Website That Shows off Your Artwork. If People Wanted to See the Kind of Things You Do, Particularly with Christmas Right around the Corner You Compass Moon Creations. It Might Be Just the Thing for Mary and Uncle Paul, and Maybe Your Kids to Christmas Time. I'm Sure Jennifer Can Come up with Something That Relates to the Faith That We Celebrate at Christmas and I Will You Check Her out Online and Let Us Know How That Works out and Jim God Bless You and Your Husband. Thanks Very Much. I Dover, Ohio, and Elizabeth, How Can We Help You All Are My Credit or Only about 80. I Currently Don't Have Any Open Credit Card or Anything like That on Any Auto Loan so Is There a Way I Can Build My Credit. I Guess My Question Would Be, Should I Take out Credit Card in Order to Build My Credit Would You Recommend Not Giving Elizabeth That You Pulled a Copy of Your Credit Reports Directly from the Bureau's Recently Now. Not Great Okay Alright Well I Would Encourage You to Do That.

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Credit Scores How to Increase Your Credit Score Will Dryer Balls Which Have Never Heard of before, but They Make Fantastic Ones at Compass Moon Creations and Yami Were Covering the Waterfront Today and We Sure Are for Sure. Grand Rapids Hello Josiah, How Can We Help You Start Investing Is Such a Question. Pretty Cool You and Paid off on about 17 Grand Saved and I'm Working on. Just Try to Figure out How to Start Inventing Some of the Month so like I Don't about Living at Home Right Now. And so I Actually Credit to Question the First Talk with Inspiring Vesting and Convicted by That I Wanted to Make Sure That I Invest in a Good Way. You Know That I'm Morally Supportive of Salon but I Don't Know How to Go about Doing That like Anyone or Should I Try to Come up with What My Own Research to Save Money or Should I Get an Advisor and How Do I Know That You Know I Can Get the Right Advisor. I Get That Question Still Works Works Well Just I Am Delighted to Hear First of All, That Your Young Guy Your Thinking Deeply about These Topics You Really Want to Honor the Lord with What He Is Entrusted to You, and You Have Already Demonstrated You're Willing to Make Some Good Decisions You You You Purposed Yourself to Pay off Some Debt and You Were Successful in That so You Should Be Really Encouraged Also Love the Fact That You've Saved Some Money and You Want to Put That to Work This Whole Area of Faith-Based Investing Where We Invest in a Way That Aligns with Our Values Either Because Were Avoiding Certain Companies That We Find That the Corporate Profits Are Used with Four Things Are Supportive of Things That Are Conflicting with Our Values or Investing in Companies That Are Making an Impact in the World. Socially, or from a Kingdom Perspective.

You Know It's a Really Exciting and Growing Segment of the Investing Universe, and You Mentioned That Inspire That Would Be a Great Place to Get Started.

I Can Go to Inspiring Vesting.com They Have Some Some Wonderful ETF's Exchange Traded Funds That Are Traded on the New York Stock Exchange Would Give You Good Bromberg Diversification but Making Sure That You Are Investing in Companies That Align with Your Values.

Another Would Be Eventide Invest Eventide.com I Would Check That out. This Would Be Is about As Opposed to Avoiding Certain Companies That Might Conflict with Your Values and Inspire Eventide Would Be an Example of How You Engage in Companies in Particular That Are Making a Difference in the World. They Say Investments to Make the World Rejoice, so They Might Be Really Solving Some Significant Problems in the Medical Space or Really Promoting Human Flourishing in Some Segment of the World through Their Investments and so I Think This Is an Area That You Want to Just Begin to Learn about, Read about Either ETF's or Mutual Funds, ETF's and Inspire Mutual Funds Eventide Would Be a Great Way to Go Because with 17,000 to Put to Work You Want Brought Diversification Which You'll See Affirmed in God's Word in Ecclesiastes, so You Don't Want to Be Picking Individual Companies without Amount of Money. I Also Think to Your Question about Advisors Is Great Value in Having Wise Counsel What You Can Find Though Is You Need to Get up a Little Bit Higher in the Assets under Management That You Have before You Be Able to Turn This over to an Advisor Who Would Make Those Decisions for You. So I Think Either of These Options Would Be a Great Place for You to Start Get That Money Working for You in a Way That You Can Feel Really Good about As a Believer but Have the Diversification That You Need with That Amount of Money so Hopefully That'll Be a Help to You and If You Do This, down the Wine I Will Send You a Copy of the Austin Priors Book Sound Mind Investing That I Think Will Be a Great Read for You As Well. Sure Will Just I Will Glad You You Have through Today. Thanks Very Much down the Line Will Get That Right out to You, Verlin Heights, Ohio. George What Your Question Today for Rob Keep Track My Script, Whatever Month You Live on 828 16 I Retired We Find My House to Get a Lower Interest Out Of the Three 21.7 65. Any Ideas Why George When You Refinance That Inquiry That the Lender Had to Submit in Order to Pull Your Credit to Verify Your Credit Worthiness to Then Extend You the Loan That Inquiry Is Temporarily Brought Your Score down the Bottom Line Is, Nothing's Really Changed the Primary Components of Your Credit Score Going to Be Your Payment History Help, Whether or Not You Been in on Time Paired and Sound like Any Late Payments.

Your Credit Utilization, Which Is the No Overall Debt You Have Outstanding Versus the Credit That's Available to You.

That Sounds like Nothing Has Changed Other Than the Balance Is Coming down so You Know, Unless You Close Some Accounts Recently Is Probably the Inquiry Is a Result of That That Refi so I Wouldn't Be Worried about. You Still Have a Stellar Credit Score and Bottom Line Is We Are Not Looking to Borrow Anything Right Now. It Really Doesn't Matter. I Think It Will Jump Right Back up for You and You Just Keep Doing the Things You Need to Do to Manage God's Money Wisely in Your Credit Score Will Follow Suit. George Did You Say That You Check Your All Three Credit Scores Every Month Correct What Why Do You LifeLock You Making Sure There's Not Any Fraudulent Activity or so I Coming Out Of Left Field and You Know the Good News Is with the Credit Karma. Most Credit Card Companies Right Now. I Know Discovering Capital One. They Give You Once a Month Free Access to Your Credit Score, so It's a Great Way to Stay on Top of Things Because If Somebody Has Compromised Your Credit, Meaning They've Taken or Open an Account in Your Name and It's Impacting Your Credit Score.

That's Usually the Place. It's Good to Show up First. If You See a Sudden Drop That Should Be a Red Flag Which Is Another Reason George What You May Want to Go and Pull a Copy of the Three Credit Reports Annual Credit Report.com It Won't Cost Anything. It Won't Be Considered an Inquiry Because You're Doing It and Just Review Those Accounts. Make Sure There's Nothing That Is Erroneous or Fraudulent There and If Not, You Should Have Good to Go.

George, Do You Check Your Blood Pressure Every Month I Keep Track of Him Outright Everyday. I Know You Struck Me Is That Kind of Guy Who Just Stays on Top of the Numbers and of Course I Know You Check the Air Pressure in Your Tires and You Check Your Oil on a Regular Basis and That's Why You Live to Be 110 George and Were Glad That You Call for Calls Back on Your Hundredth Birthday. I Really Go Quickly to Frankfort, Illinois, Bobby, What's the Situation in Your Life. 65. This Year We Have Determined Sure That 70 down without Too Converter Policy into a Paid Life Insurance. I Just Think That's Kind of Crazy. The Question, Bobby Is Why You Know You Do You All Need Life Insurance at This Parent. No Debt Free for 12 Years in the Bank. We Have about 250,000 House, but You Will Still Working Yes We Both Are Working Okay and How Long Do You Plan to Continue Working and What Is Your Plan and Retirement for Income Just to Live off of Our Working Towards 70 and We Keep Building Our Retirement Because We Really Don't Have Other Than a Fault Line Working for Our Own Retirement. So Basically Living on Great Well so What I Would Say Is the Fact That You've Already Synced the Term Life to Remain Level until 70 When You're Going to Retire and If You Have a Plan in Retirement. Beginning at Age 70.

To Be Able to Fund Your Own Income Meeting for Social Security between the Two of You, and Drawing a Modest Amount of Income from These Retirement Accounts, Then Essentially You No Longer Need Life Insurance at That Point. So to Convert These to a Permanent Policy When You Really Don't Need That Death Benefit beyond 70 and You'd Rather Take Anything Extra That Would Be Going toward Savings and Just Continue to Pile It into Your Retirement Accounts. I Think That's a Better Approach, At Least from My Perspective. So I Think You Guys Should Just Stay the Course with Exactly What You're Doing. Bobby Wish the Best with That. Thank You Very Much for Your Phone Call Today and Rob with That Were Pretty Much Out Of Time. But You Know I See a Thread Moving through Today's Program Whether We Talking about the Chapter Earlier, We Were Talking about Saving Money on Food and and Staying Abreast of the Amount of Money You Spend on Food and How Much Food You Eat. We Talked about Credit Scores and Maintaining Your Working Relationship with Your Score so You Know Exactly What's Going on.

It All Boils down to Staying on Top of Your Money, Your Finances, Keeping Track, We Would Say It Points to Having a Budget Knowing How Much Comes in Knowing How Much Goes out and If You Know All Those Numbers. Other Not Foreign to You and Then You're Able to Really Take Advantage of Situations That Pop up That You Weren't Prepared for Right What It's Exactly Right.

Your Bottom Line Is God Owns It All.

Where the Steward Steve Which Means We Should Be on Top of Our Finances Right If Were God's Money Manager, We Need to Be Found Faithful in That Responsibility Because Here's the Reality We Will Be Held to Account Each One of Us As to How We Manage God's Money, Which Means We Need to Be Organized and We Need to Be on Top of It. Now If You're Listening to My Voice and Said, Rob, That Doesn't Describe Me at All. My Finances Are a Mess.

Well, There's Nothing You Can't Leave at the Foot of the Cross Invite God into Your Financial Life and Purpose Yourself from This Day Forward to Get on Top of the Two Quick Ways to Do That. Steve Connect with One of Our Coaches Moneywise Live.org, or Download Our Money Wise App in the App Store. The Love and Thank You Very Much Rob Will Come Back Tomorrow and Do It Again Moneywise Live Is a Partnership between Moody Radio and Moneywise Media. My Thanks to Amy, Chris, and of Course Jim Henry for Being with Us Today Pushing All the Right, but the Right Time for Rob West, I'm Steve Moore Drive Safe.

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