Facing Life’s Storms

In John 16 Jesus tells us where to put our hope in me you may have means in the world you will have tribulation, but take heart. I have overcome the world, and Christ offers us eternal bliss in heaven. That doesn't mean we will have some troubles in this world today host Rob West welcomes compass founder and author Howard message about life's difficulties that your calls at 805 five 7800 525-7000 times more facing the storms of life. Next was Robert, a cheerful heart. It's Howard Dayton. Maybe you know something that some of us forget knowing why.

There's no question about that. Steve Howard welcome back were so delighted to have you with us on the program. Wonderful. Well, it's a joy for us as well and Howard were taking a look at a chapter in your book, your money counts.

One of our favorites.

Of course it's called crisis the storms of life and you begin with a story that would be devastating to all parents. I certainly know being a parent how painful this would be tells that story will are our second newborn baby Andrew Borja about three months old.

We thought he might have trouble with the site so we took him to a friend ophthalmologist to check email. He told us that he was blind because the optical nerve was dead and that we should take into pediatric neurologist because she wasn't just right on the long and short of that was that he was only born with the stem of his brain and we discovered later that his birth mom had been taking hard narcotics during the pregnancy.

Andrew would be seven about 2 feet long, the board becoming a high dose of folic. It was a very challenging time and you just loved him like crazy, but it was an emotionally exhausting experience force of the family.

I can remember the time that my wife got a phone call to her and she was so exhausted that she didn't know that she was home. It was a challenging time.

I can only imagine Howard you know it's a great reminder that difficulties can come in all shapes and sizes, so did you certainly take that away from that season.

I assured some challenges build slowly, they can be up to the payment that other challenges appear without warning, resolved quickly. Other chronic some reflect the consequences of our actions. We make a division. Others are completely beyond our control. When you think about crises impact entire nation were going through right now others are isolated as individuals, and Rob, as you well know crises often involves money or job loss in the pandemic, more businesses and jobs are lost a major illness, death of a family member made the list goes on and on difficult times really can exert major pressure on us and are not finance but I know in just a moment after the break you to take us into God's word and encourage us during a time of crisis, but you mentioned something about marriages and the stress that can be caused by challenging times on your marriage, what did you learn in that season as you journey with Bev you might share with us today related to our marriage specifically, I think communication really. Every single day that the two of you can talk, not to argue not to fight each other, which can often happen when you're in the middle about real crises, but just to communicate with each other express your feelings which is pretty… As you said merely what what's going on with you. How can I best serve you.

Can I be the best husband of the best wife that I could possibly be for you is the voice of Howard Dayton, author, teacher, and the former closing of this very radio and you just tuning it were discussing the spiritual and practical principles that will help you manage your money better. So you have more to spend saying in morning.

I'm Steve Moore host is Rob West back with more ring 800-5257 buying a home is the largest most nerve-racking perches. 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 been taken advantage of navigating the mortgage amazed 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. If you're investing for retirement or any other goal you may be wondering if it's possible to enjoy both profit and peace of mind, no matter what's happening in the market.

Sound mind investing is a short video webinar on that topic. Sound mind investing.org SMI has helped tens of thousands of Christians learn to be wise and faithful stewards in the area of investing profit and peace of mind matter what's happening in the market.

Sound mind investing.org you stop and think about everyone has gone stars some follow the teachings of people who are dead.

Others believe in people who are alive money of the whole. Still others think their intelligence and little things I don't mean is your God motivation for you to make your life better. Can you tell an outside force stronger than yourself is changing your life changing it in ways you never could make yourself if you had to answer know that maybe you got the wrong guy: God rest his soul, new Ford have the wrong guy: God. And 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 data and phone to learn how Christian credit counselors can help you visit Christian credit counselors.org Christian credit counselors not call 800-557-1985 that you with this today on the program, your host is Rob last, I'm Steve Maureen joining us by telephone – I guess it's a phone cell phone whatever it is stringing cans. Whatever you get set up today is author teacher, the founder of compass finance is God's way toward the Howard were talking today about facing a crisis and how we navigate that recognizing the storms of life come in different shapes and sizes and it's all about our response and how we lean into the Lord and the seasons we have to know God's role in a crisis. So take us into God's word. What would you have us to know about where the Lord is in these times. Well, you don't remember you every step of the way.

Even though their painful steps really boiled down to knowing God's will in a crisis.

Nothing is more important than knowing God is love caregiving. His control of every event that you face and really only the Bible reveals the extent of God's involvement in our challenges. If you have adequate or even know what you God's purposes. Then we woke slowly to learn from our challenges.

What can even be worse is that we forfeit his peace and contentment, even joy that the Lord makes available to us during these times and I love what John 48 God's love simple to the point. God bless you. Love you throughout your whole life remains intimately involved with you as an individual and in Christ is just so important. Remember God's unfailing love space: because it's so easy to become discouraged and lose hope in those challenging times. It's easy to forget God love you care, especially when adversity strikes on and on what feels like an eternity. I think Jeremiah sums it up really really well in a bad place for an admin limitation history. I remember my picture in my wanderings bitterness of my soul is downcast within the very dark place. Remember, the board anything about this. I called them.

Therefore, I have hope because the Lord's great love were not consumed, for his compassion never their new every morning great is your folks.

What a great reminder for us since that's the season we find ourselves in its Howard.

Perhaps one of the most difficult things to understand and process is that God has a way of allowing experiences to shape us. Perhaps he's allowing us to go through something that's going to draw us closer to him, or do a work in our life that in the bigger picture is so key to our development, and you have a profound illustration that perhaps could help us understand that concept nature. Which emerges from its cocoon.

Only after a very long exhausting struggle to free itself is a story that one day at a young boy discovered the cocoon carefully so that it opened help Thomas escape came out with its wings were shareable, they just couldn't function what the little boy did was at the mall struggle to liberate itself.

The cocoon was central for developing its wings, its ability to fly, and I know from personal experience that adversity had part to play in our lives as well.

God uses the typical sometimes heartbreaking times to mature in Christ. And I love what James one tells us considerate, pure joy, my brothers, whenever you face trials of many kinds, because you know that the testing of your faith produces perseverance. Perseverance must finish its work so that you may be mature and complete, not lacking anything and I know Rob from a five year journey walking with my life that when she passed out in the breast cancer which led to a bones which is very painful time to cancer that I'm a different person after she went home.

I have the opportunity to evaluate know what happened in my life during those times, much more committed follower of Christ love people more than I did before that occurred. Would you also say you back to that verse in James when he mentions trials of many kinds, would that also include financial trials or financial difficulties said that God would use to grow and strengthen us and maybe even discipline us with what you think. No question about it. One of the most common challenges that people face in a lot I love what moment they tell you in all things God works for the good of those who love them. And again he was 12. For those whom the Lord love you discipline all discipline for the moment seems not to be joyful and sorrowful to those who have been trained by afterwards it yields the peaceful fruit of righteousness more than they getting the stakes. He knows exactly what he wants you to become Rob Vermeer, every one of our listeners and he knows exactly what's necessary to produce that result in our lives so good. How are just a couple of minutes left. Let's talk practically for a moment for someone listening who finds themselves in a crisis.

Financially, we talked about God's role. What is their role. What next steps should they take in this financial crisis number one thing Rob is to trust in the Lord loves you and cares for you and wants the best for and make sure that you know what God says about family money and then to do a minutes. It's that simple. You knowing it only half the equation you got. Why I what you learn about why moneywise is so incredibly important to God's people, especially during her baton like murder, like we are now at the nation to know what God's word says to a client in really one of the biggest things that you knew that people tend to default to the list of the Christ within spear, which means that they tend to hold onto things more tightly.

There they become less generous and one of my favorite passages in acts 11, the prophet to the spirit predicted that a severe famine with spread over the entire Roman world is real 10 disciples in response, each according to his ability decide to provide help for the brothers living in Judea instead of holding onto the famine was going to impact them first thing they did was grab your checkbook for those living in Judea, mutable well what a testimony they gave even in that difficult season Howard, you're such an encouragement to us. My friends received you stopping by to bring us this word involvement of the top always great advice and that a great fellowship.

Our date. Find out more about him@hiswebsiteencompassone.org and will be right back. You probably have a strategy for your finance your career even your retirement strategy for your getting to know Christian foundation.

Create your family maximize your resources to learn how to moneywise.org is to primary purposes. I want to share with you the implied identification words particular bad arguments he is using the numbers that the tribes and sell their own particular banners that were to go in front of the carriers of the guy we think they made their way through the wilderness and as they would make their way into their own standard their own banner. Remember, we can interchangeably use those words. Identifying that great in the one banner.

What was the name banner. That's what the passage is telling us it was a lot himself, the Lord banner in the specific tribes had their own with the overall banner was the Lord himself when favorite passages Paul wrote to Timothy is what the Lord knows those who are family listening now listen, here's a great deal more about our money than most of us imagine Jesus is more about our use of money and possessions and about anything else, including both heaven and hell in managing God's money on the radio and 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 along for the ride today moneywise live less taking your calls and questions on anything financial 800-525-7000.

Steve Moore just well giving you the phone number 800-525-7000. We have some open line so this is a typically this is one of our busier days so if you want to get in with a question or a comment right now. This would be a great time to do it 800-525-7000 and let's begin by going to Fort Lauderdale Florida and Joe. Welcome to the program.

How can we help you sir, thank you.

Question yet. I got a big yield millions of dollars in my and between churches right now because it happened that way, but I have to tie money and I'm not sure how high you know you really large lump sum can be well over $1 million deal or something like that engages well it's a great question Joe. I love that you're asking this if I understand correctly, the sale has not gone through yet.

Is that right now.

Not yet. Okay, awesome.

Well, time is short, but there may be something for you to consider. First of all I love the idea that you're thinking about getting now obviously the Lord has blessed you. You got this business sale is a significant sum of money. You're obviously selling this business for and you want to be able to give to the Lord, perhaps to your church and maybe even beyond that and that's phenomenal. I think as believers stewarding God's money. We should be thinking that way really asking the Lord, Lord, what would you have me to do when clearly that's on your mind and on your heart. What want to suggest to you, though, is, and I love the fact you're there and Fort Lauderdale. That's my old stomping ground, but I happen to know the team at the National Christian foundation South Florida right there probably down the street from you and I'd love for you to visit with them because here's what I'd like for you to consider if you want to do some giving from the sale and clearly you do, there's really an innovative solution that allows you to donate nonvoting interest in your business to the National Christian foundation, or more appropriately to a donor advised fund that you would open again equal to the percent of the business you want to give you intend to give but in doing so by donating those shares prior to the sale the business, you'll get a far greater tax deduction perhaps reduce or even eliminate capital gains taxes on the gifted interest and convert those tax dollars into even more giving and once that's then in your donor advised fund. Following the sale equal to the percentage that you gift to the donor advised fund then you would be able to distribute that money and directed to whatever ministries charities not-for-profit you want in whatever timeframe you want. So not only would you end up with more money that you could give unto the Lord, but then you could disperse it either in your name or anonymously almost like a charitable checking account right online to your church or to whatever ministries you would like and so I think it's a way to get more money into the kingdom, and I really maximize your giving. By doing this prior to the sale and again what I would do and there be no cost to you.

To do this is just sit down with the folks at MCF there in South Florida and the talk about what that would look like to see you understand how that would work with key though is to get on that quickly. Because that's all gotta be set up prior to the sale going through. Does that make sense to you dojo. I don't understand the part about you know, not giving them up stock on the company mission that I like, but I'm sure when I call National Christian foundation will explain well it's it's yet sexy quite simple, it sounds more complex than it is. And if you do this, my producers and get your information, Deb is going to capture information on the send you an email with just a two page PDF that describes how this works but also to connect you with the team at MCF and perhaps you all could sit down over a cup of coffee or something or breathe in virtually and talk through this in more detail, but I love the way you're thinking Joe God bless you in the sale and can't wait to hear what he's gonna do with Rob for those who have never heard of the MCF and we talked about a lot of this program had representatives on our program. I give us just a quick thumbnail of who they are, how long they've been around much money they've disseminated worldwide. Yeah well I've National Christian foundation actually was that one of the founders along with Terry Parker and Ron blue was the late Larry Burket, which is pretty exciting to think about 63,000 charities and churches have been supported by MCF over the years said that they've been around more than $12 billion in grants to ministries since 1982 have gone out through the National Christian foundation, and in many of the cases through donor advised funds as well as the complex gifts so they are the authority if you will, unwise, Christian giving and that's why if you want to know how to give wise and smart.

Maximize your giving especially here at the end of the 2020 you to be in touch with MCF, either locally in one of their many offices around the country or their national officers. The website in CF giving.com okay great end-of-the-year recommendation Rob a quick email from Debbie. I'm 62 years old will retire at 67 I have two retirement accounts that total, $50,000. My son is the beneficiary. Do I need a separate life insurance policy for him. I have one now that's whole life. If I cancel it out. I'll receive enough to pay off my last credit card and be debt free. Should I do all of this.

What you think are interesting so two retirement accounts. Your son is the beneficiary. Do you need a life insurance policy for him. I here's what I would say no. If he is depending upon you for support. Meaning if you are covering his expenses. He's currently a dependent, either because he's a minor or because he's a lifelong dependent and therefore he has a perhaps special needs, then absolutely you need to think about long-term care policy. A permanent insurance policy that's going to cover him for the remainder of his life to make sure something were to happen you he has what he needs so I would visit that with an estate planning attorney to talk through that and make sure that he's protected.

It is not a lifelong dependent than only for such a time as he is living with you, and depending upon you for his financials. This is moneywise live 800-5257. Investing is more than just returns. 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 at 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 that makes the world rejoice more is available@investeventide.com invest eventide.com.

Thank you from the bottom of my heart I could've had the procedure I needed without CHF's help sharing the bills that letter from a member displays Christian healthcare ministries purpose to glorify God and serve his people.

CHF is the original noninsurance voluntary health cost-sharing ministry, enabling its members to share the cost of each other's medical bills, call 800-791-6225 or visit CH ministries or by my name is Ryan Koch youth ministry major Bible Institute verse found in Galatians 220. I've been crucified with Christ is no longer I live, but Christ lives in the life I now live by faith gave himself for me is things are always happening ability, radio, God is at work in listeners all around the world. Monthly online newsletter uplift is changed in order to bring more listener stories more program updates and more listening resources be among the first to know about radios ongoing out check out the old new newsletter subscribe right now my moody radio.org my moody radio.

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Find it all in master your money by Ron blue available when you click the start button moneywise live New York City's mayor says he's closing schools to try to stop the renewed spread of the coronavirus. It's a painful about-face for one of the first regular school systems to bring students back to classrooms this fall. Mayor and schools Chancellor announced the school buildings will close on Thursday, another washing of strong winds expected in northern Nevada has raised concerns about reviving a wildfire that roared through a neighborhood in Reno in similar weather a day earlier those flames on Tuesday destroyed at least five houses damaged 15 others enforced people to flee from hundreds of homes to firefighters were injured but have been treated and released.

Sucks well on Wall Street today.

The Dow dropped 345 points.

The NASDAQ authority seven and the S&P 500 fell 41 this is SRN news finding God's financial plan for you. Not always easy to critical as you go through life to have a target know what God's will is for you if we can help you all been there. I give us a call today. Open lines available at 800-525-7000 Valparaiso, Indiana hello Cody, what's on your mind doing great. Thank you Cody Cody are not that old buddy.

I will thank you for hanging in there with us or in I just got your credit card 3400 would be why would some of that money and then I referred to earlier would draw the mode you sure sure of our listening audience. Cody Cuadrado is a qualified domestic relations order.

This is, as you said found in the divorce agreement. This obviously entitles one former spouse to receive a portion of another spouse's assets, and I do as you look at your financial life. Cody and really pray and think through where the Lord would be taking you. I think you really need to look at what he would have for you to do with his money and I we can go to God's word and begin to explore those priorities.

Beginning with an understanding that God owns it all and that you're a steward that's really a key and really a fundamental idea that you need to embrace and as a steward, then pray through where the Lord would take you clearly you need to have a spending plan so you can live within God's provision and not outside of that which would result in adding more debt in the future. Secondly, you want to have a reserve account, Proverbs, among other places, in God's word is very clear that we should.

I have precious oil in the house of the wise. As it says in Proverbs. Therefore we should not consume all that comes in from God's provision and so we recommend 3 to 6 months as an emergency fund.

And then, yes, I think the next priority would be paying off consumer debt. Beginning with high interest credit card so if if you take some of this Quadro that's coming your way and use it to shore up your emergency fund. The next I would begin to pay off those credit card starting with the smallest balance. Let's wipe those out.

Get him out from under you on down the line until it's all paid off and then I think the key for you moving forward is to live again within God's provision have some margin on a monthly basis. So then you can prioritize the use of that against your other God-given goals and priorities perhaps saving for the future for retirement.

If you have kids that you can be responsible, at least in part for covering their college beginning to put something away for that making sure you're giving systematically those types of things but yeah I like the idea of paying off those credit cards for sure. Cody, thank you very much for calling you for hanging in with us all these years and we wish you the best. Let's quickly go to Bettendorf, Iowa. Vicki, can we help you this IRA and IRA annuity that had been paying 5% interest back 10 years and thought all in January.

It will only be making one and half and they are encouraging me to maybe roll it over into what yeah where I would be guaranteed maybe $400 mark in my life which is the good part because we did not have a pension by I know that there's more management fees on annuities and I have been thinking about just putting that money into many stocks and bonds are in mutual funds, where it may be what paid last service charges and draw more interest on what would be your we basically don't have attention but we do have no debt and yes half Of land that we could now if we needed to shore. So your are your currently retired. Is that right well I'm still working part-time and I have been retired. Okay I very good and talk to me about the sources of income that you have right now.

In addition to Social Security that my part-time job.

You got your part-time job and you got Social Security your currently collecting both of you and Social Security are no yes, we are okay and with the part-time job. And Social Security is that enough to cover your expenses. All yeah I mean we how we live kind through the laid-back kind time all right. And now, once you fully retire.

What would be the gap then that you would be trying to solve for to be able to have enough to meet your obligations. There are probably 700 without okay right now the only assets that you have. I heard the annuity which perhaps the others of this 10 year period is expiring. So you would be able to either take a lump sum withdrawal.

Leave it in invested in withdrawal. According to a schedule which is annuitizing it with a permanent income stream, renewing it or rolling it over through what's called the 1035 exchange into a new annuity either a fixed annuity or a variable annuity you could do any one of those things. In addition to that annuity. I heard you say you have some land. Is that right yes we have land that we could shout if we needed to leave his value probably about 500,000. Okay. All right. And what is the surrender value. The lump sum withdrawal that you could take from the annuity that has expired all about 59,000 paying taxes on your shirt all right and they've told you that that would convert into an income stream of how much per month.

It would be about 400 okay $400 in my yeah right, even if it it even if it expires I would get that tie-dye okay which is is actually pretty good on 59,000 because as you said, that's before tax and if we were to convert that to an income stream was stocks and bonds we might look at 4% want to be a little more aggressive.

We could look at 5% a year, but that would only be $2950. We take that over 12 months. It's about $250 a month and they're going to pay you 400 for the rest of your life. The question is does that also then carry over to your husband or is that on your life only time I okay so that's a consideration. If you want survivors benefits you need to check and see what that would be because you want to make sure that your debt that doesn't put him in a kind of a hardship situation. The nice thing about taking the 59,000. I realize you had to pay taxes on it but you could convert that to your $250 a month. And the idea would be that you'd never lose that money that would be an income stream based off of investments that would still preserve the principal which would mean that it would always be there if you or your husband needed to tap into it. Down the road for major medical expenses, long-term care to be part of your estate as an inheritance. Steve got a look at that side of it.

It's not just the monthly amount but keep in mind that goes away and is lost at your death, versus taking the lump sum investing it, turning it into an income stream and then still having access to the principal. I think the other issue is just how you're going to make up the rest of that gap between let's say $250 a month or 400 a month and the 700,000. It sounds like you really need to take that land and can sell that and then convert that into an income stream, but between all these assets, it sounds like the Lord will give you what you need. I think perhaps the next step. Vicki is to connect with a certified kingdom advisor there in Iowa and I do some planning to start moneywise, live.org, click find a CK and will be right back at the financial wealth you leave behind could be the best thing that ever happened to your loved ones or the worst in splitting hairs, giving your money and things to your children without ruining their lives.

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Moneywise live.O RG Lafayette Indiana now and share you got an interesting situation here.

How can we help on a large sounds are not. It was gonna be so I know I want to talk down at and if there is anything wrong in doing things like well it just depends on the source of these funds. So if you use the legitimate exchange to invest legitimately in a foreign currency and that currency has risen in value and now you're going to liquidate your position, then you know you are entitled to the increase euro.

I would it in terms of evaluating this moving forward, I would probably caution you against investing quote" in foreign currencies. Just because the volatile nature of those types of investments as well as the long-term performance I think is a steward of God's money. We audit must wear a professional investor currency trader doing that for a living. I would say for the average investor.

That's not the place to be. Just because it's more of a get-rich-quick approach is a opposed to what we really God's word, which would be more Candace steady plodding, but as long as it was nothing unethical Sharon about the way that you went about this and this is legitimately just an increase in value in an underlying asset. In this case a foreign currency. Then as you liquidate that position and you have been profits. Certainly, I think that you would be logical to think as a believer about getting based on that increase. And if you wanted to apply the principle of the time you would give 1/10 what the word ties literally means. Does that make sense or my missing some piece of this and not much more guilty and okay well I what I would say though is that if it turned out this way this time. Don't assume that's the way it's going to turn out in the future and perhaps take a more sure and steady approach the next time around, but grateful to hear that you've done well and grateful to hear that you can be giving, as unto the Lord.

Sharon God bless you. Thanks so much, so I just hate it when that happens you invest some money to get a huge return and you use to 2 to 3% center and so what do you do what you do what you give us a call 805 to 800-525-7000 Missouri Sandra good to have you there and what you situation and we never know anything about pain. So really know about money. 34. I really Fate guide not in favor with very poor but every make go for 17 years. I started now I don't know what I like high support different things. I think that years that I worked check. My dad, I put it but it is what yeah well Sandra, I'm so glad you called today and just encourage you. You are seeking to be found faithful in honoring the Lord with what he's entrusted to you and you are clearly trying to apply the principles we see in Scripture. You clearly want to be saving here a generous giver you're living within your means you're doing things the way you should be doing them and perhaps if you could go back. You may change some things, but can't we all say that and there's nothing that we wouldn't leave at the foot of the cross and say Lord I want you to redeem everything I've done. I want to give it to you and I'm in a trusting you is my provider for my sufficiency and he will never abdicate that responsibility of being your provider and sustainer to anyone or anything else he can be trusted and his promises are true. The question you have to ask and answer as do I and Stephen everyone listening here today is what is it look like for me to be found faithful with what God has entrusted to me. However, little or however much how I live within God's provision and honor him with whatever that is. Member the apostle Paul said, I've learned to be content with a little have learned to be content with a lot but he had to learn that right and so I think as we move forward we invite God into our financial lives, we recognize his ownership. We recognize he is our provider and then our job is steward or manager, and were called to faithfulness, right faithfulness to opportunity. So the question for you moving forward is to say how can you do that and what I'm hearing is you're doing exactly that. Now, specifically related to how you might make some decisions here.

Moving forward, let me just ask what income sources do you have what is it that's providing the income you're living on right now is it only Social Security or anything else okay and you're able to cover all of your bills and obligations out of that each month have you been able to do that and I will make my monthly like electric I don't else. I don't like that I don't wait and I don't know how to understand what here's what I want to do I'm going to have you to pray for you and then them and ask you to hold on the line I'm can ask dad to get your information and I'm to have one of my moneywise. Coaches connect with you and I want them to be able to get together with you on the phone. Somebody has been trained as a budget coach who understands God's word is a fellow believer and can come alongside you to encourage you, but also to help you look at what are your expenses establish a spending plan. Establish a savings plan. Look at the giving that you're doing and really give you some peace of mind so that you know you're working toward something and that you're doing everything you can to be found faithful with what God has entrusted to you.

Would you be willing to do that. There's no cost and I think it'll be a real help to you. Does that sound okay alright let me pray for you and then you hold the line will get your information of father I just live Sandra up to you. Thank you for her sweet spirit. Thank you for her acknowledgment of your provision in her life today. What she has questions and you have answers. Lord, thank you that we can trust you as our provider and sustainer. Thank you that your promises are true and your mercies are new every morning.

Lord I pray you give her wisdom. James 15 Lord you say that when we ask you give us wisdom. I pray you give her wisdom and discernment each day as she moves forward. I pray that you would continue to bring provision into her life to meet all of her needs and Lord, that she might have a peace of mind to know she's honoring you and being found faithful with everything she's been entrusted so we just asked for you to provide for her. We ask you to be close to her and Lord, send your Holy Spirit, we just thank you. Most importantly today for your son, Jesus, and the gift that he gave us by giving his life on the cross to pay the penalty for our sins were we love you. We assist in Christ name, amen and amen. God bless you Sandra you hold the line and we would love to hear back from you someday. If you feel led to do something so much.

Alright, let's see. I quickly Chicago, Illinois, and Tracy what you question today for Rob West is okay and offer occult. We were given for. I know I spoke with you before you recommended. Get quotes from three different three or four different lenders which we need one. We come across. Thank you for that week, We think it I know you mentioned. Sometimes there are hidden fees, etc. there's something that's a little questionable.

I didn't know our previous mortgage amount. We are current.

Rather, 180 wine home for two years previous mortgage is 180 wine doing the refinance but 30 years which I know is not recommended. However, we wanted a 15 year but he that he would call you know they probably wouldn't approve a 15 year and even right now at the rate of the 15 year is about 30 year because we don't have to pay another time. Can we get those numbers real quick pounding, came out so we were chart originated a loan origination charger fixated credit report that sound normal but then renders title and everything else looks normal but I guess the loan origination charge is.

Maybe this the paint pay down the mortgage at the final accounting for the 1564, which we own the mortgage.

Eight but if it goes up about 3000 light okay and use of the mortgage is hundred 81,000. That doesn't sound out a line Tracy at all. I would expect in origination charge if you're spending no more than 1%. You're doing just fine so you can want to look at you the rate make sure that it's in line, but does nothing that sounds out of line to me on everything you just described. Hey, thanks for listening. I heard you recite a lot of principles we talk about all the time. I'm glad you're applying.

Bless you Tracy, thank you very much moneywise live is a partnership between Moody radio and moneywise media. Thank you for praying for us. Thank you for listening.

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