David vs. Goliath in the Boardroom

This is Doug Hastings, VP of Moody radio and were thankful for support from our listeners, and businesses like United faith mortgage. My grandma loves Ice-T it surfing so I go to hang the grandma for a bit and I see she's holding her big plastic cup with her T the cup is literally sitting inside one of grandpa's sports socks.

I'm not making this up. No one can make this up grandma you okay of course dear the socks soaks up the sweat and keeps the tea colder. Hey, it's Ryan from United faith mortgage and as I thought about it later. I thought that's the kind of mortgage team. I want us to be the kind that's willing to take any step needed to get the job done on your new home purchase, refinance, or cash out refinance and can we help everyone know, obviously we can't know were willing to use grandpa sought to keep a drink called you know were willing to do whatever it takes to make sure you're taking care of. We are United faith mortgage not a faith mortgage is a DBA of United mortgage Corp. 25 Millville Park Rd., Melville, NY license mortgage banker for all licensing information, go to NML as consumer access.org corporate MLS number 1330. Equal housing lender not licensed in Alaska, Hawaii, Georgia, Massachusetts, North Dakota, South Dakota and Utah and reaching into his bag and taking out of stone. He slung it and struck the Philistine on the four head and he fell face down on the ground. That's first Samuel 17 as David slays Goliath similar battle is corporate giants defy God with unrighteous practices was brought West talks with economist Jerry Boyer about three examples today how you can join that fight your calls on anything financial at 800-525-7000 800 525 $7000 more.

David versus Goliath was Rob Jerry Boyer is the chief economist at Biden's financial but he's also become affording the side of some companies whose activities run counter to the deeply held beliefs of a significant portion of their investors, namely Christians and doing the Lord's work in the process. Jerry always great to have you with us again on the program and always a pleasure to be with you. Of course were talking about corporate engagement year in before we get into the great examples you brought today look for you to start with your definition of corporate engagement for listeners what we talking about corporate engagement means that you talk to the corporations that you do business with, including the corporations that you invest in this different ways to talk you can write a letter you can make a phone call. You can send an email and I think people do that to some degree, but most of the Christian conversation that I've seen so far is about some form of boycotting and I'm not opposed to boycotting in principle. If you think you should do business with a company that's fine but I think we tend to underestimate the ability of the power that we have when instead of boycotting we stay engaged continue to do business or you keep them in your 401(k) or IRA and then use that connection to reach out and say listen, I want to educate you about something when you ban a book like gum, for instance, targeted and Apple recently did an Amazon did when you ban a book that simply expresses the Christian view of gender you are denying human dignity to half the people in the country on the pretense of giving human dignity.

One particular interest group and that you shouldn't do that because it's wrong and you also shouldn't do it because it's bad business. This is your publicly traded company you work for us and you should not be alienating half the country yeah well you're exactly right. In fact my wife.

I did this Julie you know her well. Just the other day in the grocery store we use every few days.

She was walking down the aisles saw in the magazine section, a cover of a magazine that had no business being displayed were anybody is, let alone children. She grabbed the whole stack walked over to the customer service. As for the manager handed them to him and asked that he remove them.

He said you know what I've been thinking the same thing else to come in my office and you know Julie exactly the kind of boldness we need one person can do that, we think we think that they're so big and they're so powerful were grasshoppers in their eyes but we really, I think we underestimate the power of holy boldness yes well and we been largely absent as the faith community from this conversation is in the true it is and I think part of the problem is is that we know we've convinced ourselves, or we think that we morally have to be absent. That kind of dealing with people who are not aligned with our values is something that's forbidden to us, and in fact it's not it's not a biblical value that you only stop with and deal with and do business with people who are aligned with your values, Jesus spent most of this time with people, including for commercial and financial relationships with people who didn't align with his values, but he also didn't waste that he realigned a lot of people in accordance with the will of the father, and I think we we have the ability to do that to but you know what, even if they don't realign that's in God's hands.

Our job is to be there and to speak and that's already a victory, no matter what they do in response. That's right, during or after the break. You can get into some specific examples, but a high level. Does this idea that a tiny minority of the shareholders can take on these Goliath companies and actually make a difference. Yes, absolutely because there it's been 99.999%, all from one side so you come in you but you you might be the only person in the room who thinks what you think. But one person in a room with the Holy Spirit is a majority love in with us today. One of our favorite guests on moneywise author and economist Jerry discussing how to make an impact in the boardroom.

The board room of the company.

You may be invested in listening to moneywise live your hostess from last time Steve Moore this Jerry Boyer is our guest today on the program were glad to have you there were discussing David versus Goliath not specifically that Old Testament passage, but how it applies in today's marketplace jury were talk about corporate engagement here using your voice to let your values be known then as you point out in some examples here in just a moment.

This is an effective strategy of first jury where corporations so quick to fold under pressure when it doesn't seem to be in their best interest. On thinking of target putting in transgender bathrooms.

For example, probably alienated more customers than in the piste because there's a difference between the self interest of the CEO and the self-interest of the company itself.

So in the case of target.

There was a CEO gave money to a conservative candidate and the mob you know the twitter mob came after them, and that's personally painful and I've heard no from some people who know you who knew him is not CEO anymore that he didn't have any allies at all. Nobody showed up from our side to defend him, so he was labeled a trance fold and a homophobe and all the pressure was from one direction so CEOs you know they want to minimize the their pain and of all directors coming from one direction then they minimize the pain by caving in, even though they understand maybe they don't understand. But the reality is over the long run.

It hurts them with half of the country so this is that this is the problem with publicly traded companies in general and less we as shareholders assert our interests. The stewards of our resources, which is what the CEO is just like in all those biblical parables stewards can be faithful to the owner or stewards can kinda be self-dealing and I think that was called woke capitalism, which is the tendency to get into certain political forces is in essence a form of bad stewardship. It's I you know I get prestige with the opinion makers as a CEO and yet the company loses market share. But I'm I'm better off personally.

Yes, was usage area for all of the noises coming from one direction, then we can't be surprised that they're going to cave to that pressure working to try to do something about it by bringing some noise from the other direction fact that something you been working on lately in your first example involves target what you have to report yeah I've been in conversation with a number of companies. As you know I work with Biden we had at a domestic equity firm somewhere owner's so I reached out to target about book banning. They had banned the book by Abigail Schreier irreparable or irreversible damage which said hey maybe we should be a little cautious about sexual reassignment surgery for teenagers. Not exactly crazy stuff right and one tweeter said to target this the obviously your Bureau. You simply sell this book to supporting the homophobes are transposed and the next day they tweeted back, you're right. Thank you yet and I we delisted the book or would remove from our catalog couple days later they get another book off from a feminist who was to supporting the idea that gender is a real thing. So you know I'm I'm a client institutionally and also personally so I wrote a woman ice. My said, hey, can I talk to you about this.

I got an answer back in about an hour from a vice president who said house tomorrow morning and we had 1/2 an hour 45 minute conversation.

I told him that conversation was off the record so I'll leave the content of that conversation off the record, but we are talking to each other and really continue to talk to each other have a conversation with Pfizer about the use of fetal tissue in covert vaccines and they say we don't use it directly. But yes, it was used as some of the research okay Pfizer. Do you have an ethical policy on this because this is clearly an ethical issue and it's really surprising, we think were gonna run up against people who hate us, conversations with Apple. They were respectful conversations I'm showing them I'm a human being conservative Christians are human beings and we are can reason together and it's really surprising the amount of progress you can make. Well, it's fascinating.

Jerry and kudos to you for taking this on and engaging in a civil discourse with mutual respect but to open dialogue and conversation. But did you sense in the Pfizer situation. Any discomfort with them, knowing that abortions were likely the source of the fetal tissue they were using.

Well it's interesting there's almost a kind of we get this a lot fell on and no there is no fetal tissue in the vaccine. Okay, I understand that sometimes things go around the Christian orbit that are quite accurate and so they maybe had been attacked for having fetal tissue in the vaccine not of course they don't have fetal tissue tissue in the vaccine is not enough of that go around so then the question is well. What is your position on using. I mean, they do have in their line what's called your quote of email human embryo lung tissue aborted female embryo lung tissue that's in there. They report that so I want to know what your position on that now. It's one thing if something happened 30 or 40 years ago when you're using knowledge from it, but it's another thing to be actively using it, and the balls in their court for them to answer back it's really surprising.

What one person difference one person can make a room and I think you know I'm plan David and Goliath right that's your framing but think about the story of David and Goliath really works.

David was one person. David didn't know that he wasn't going to die.

David didn't know that he was going to win. David went for the head.

I strongly emphasize go for the head talk to headquarters taught you in your local store talk to the manager. If you need to. Don't be afraid to go for that. One other thing David didn't fight in Saul's arm, remember this interesting thing where Saul tries to put his arm around David. This is the Lord's fight and we should fight it his way, which means no toxic rhetoric, no lying, no rumormongering, love, that's how we respond. Now David and Goliath is not exactly a love situation, but Goliath is really kind of a stand-in for the real enemy. So who's the real enemy. The real enemy is the enemy. The real enemy is an Apple there CEO or their counsel. It's not target the real enemy is the ideology the enemy himself who is using these corporations to advance his agenda and we know that when it's Jesus versus the enemy when it's David versus Goliath we know whose head gets crushed.

Jerry just a couple minutes here. What about a preemptive strike if you will encouraging companies who are making good choices and decisions to continue to make those good choices is that rational or or or helpful little.

I think that's great. There's this idea in the financial literature about a quality shareholder and a quality shareholder stays in touch right and when things get tough for company but they have good reason to believe that things will get better. You know they stick with that company. So I think Christians should be the highest quality shareholders. I mean, even to the point of saying were praying for you now why started with target what I said is by the way I let you know I love your company, your why do I hold in and asked him why do we hold an investment in your company got a good return on asset, you're using assets while using your cash while you're avoiding that you are a good story pot you're not quite living up to the greatness that you could be when you're alienating customers and when you are in the name of human dignity, sacrificing the dignity of Christians and conservatives in order to appease the angriest and noisiest group. So I think that there's real influence here, and I agree with you I think it's better if you're in relationship with them all the time before something goes wrong. I think that would be much better were not there yet, Christians are still in reaction mode, but wouldn't it be wonderful if we were the people whose management felt like hey were invested in you were invested in you financially were invested in you spiritually, emotionally, where your allies when we are rooting for you all, but tissue now that's the wrong way to go. That's not about you aborting or anticipating giving money to Planned Parenthood killing off future customers. No no no, that's not the best that you have to offer that's great Jerry, thanks for stopping by. Thanks for your great work.

My friend always a pleasure to bless you. That's Jerry Bowyer, chief economist at Biden financial. You can find his commentaries@townhall.com. Your calls next.

This is my lifeline to have you on their listening today. Now we'd love to have you dialing as a call-in program.

After all, if you have question or comment for Rob West call right now while we have several open lines 800-525-7000 again 800-525-7000 Rob.

Let's begin by going to look see how a Crown point, Indiana hi Vicki, how can we help you think that have never before considering a rock IRA. Okay I have a little information like that. Yeah, you sure can Vicki tell me a little bit about your situation. First off, are you working know I'm a widow and retired okay right so in order to contribute to an IRA.

You have to have what's called for income so unfortunately I don't think you're in a position where you would be able to make that contribution. This is going to be wages, salaries, tips, other taxable employee compensation. That's all called considered earned income you have to have a earned income to contribute to an IRA. You can contribute only to the extent you have earned income and then there's gonna be a Either six or $7000 depending on whether you're under or over age 50, so I think in this case you wouldn't be able to put that money is a new contribution in an IRA.

But what could you do with it well is long as you have Vicki emergency fund shored up. I'm going to say in this season of life and love for you to have six months worth of expenses.

So total up all of your fixed and discretionary spending on a monthly basis. Multiply that by six that would be the goal in a liquid savings account earning some interest. Perhaps an online savings account you'll get today about 1/2 of 1% then beyond that, I want to make sure you've eradicated hopefully all of your debt.

Keep your lifestyle as well as possible. You're doing the giving that the Lord is leading you to do a systematic basis and then beyond that, if you got a bit left over. And as long as that time horizon is at least 10 years and you wanted to take what you have now and what you might add to it in the months ahead. You certainly could look at investing that you're likely going to need to consider though Vicki probably it was called a taxable account which just simply means as you have realized gains and losses. Those will be taxable events as opposed to the IRA, which is a retirement account, meaning you either you'll get a tax deduction for money goes in or you don't. But it's growing tax-free.

But in either case it's growing tax either free or deferred, but without earned income.

That's not going to be an option to set make sense though. Yeah, great.

But I needed to hear.

Yeah, that's wonderful about credit union am I going to get a lower interest with the credit union yet in terms of the savings account yeah typically you will. One option would be to look@thebankrate.com. It's a website great.com where they rate the best lenders for mortgages of you looking for a credit card or mortgage or home equity line but also they rate the interest rates being paid by various banks for things like high yield savings accounts that typically what you find with the credit union is that there better than a traditional brick-and-mortar bank but not as good as an online bank because the whole idea behind those online banks as they redirect a lot of the savings that they have, by not maintaining brick-and-mortar facilities into higher payouts on their savings and lower fees. In fact, I'd look for one that doesn't have any fees with regard to maintaining an account, but you can explore all of those bank rate.com and find the one that's for you Vicki. Nice to hear from you.

Thanks very much for that. Let's move along to York, Pennsylvania.

Marie what you question for Rob just that was gently pounded into my husband and I count direct deposit. We have not done our 2020 money was based on a 19 during that time we had a total of 90 tendon children.

I am starting on several of plaintiff and so That when Dan and Weaver looking forward to putting a new roof on totally needs to be done. However, the content got married over the summer and they are my daughters and 2020 and baby payment I'm wondering is an outline you are using that money would not be considered double because given a for them.2019 90 were able to claim a college student at the time during the pandemic got married. One may come in the money and come back several years later and then tell me that we owe that money back because it will probably come even quicker than that, Marie, because you're exactly right.

And what's going on as soon as the iris. Get your 2020 return and realize that they are no longer dependents than that money will be owed back to the IRS and that's exactly what happened because you haven't filed your 2020 return your children who are now on their own in filing separately have filed their 2020 return that money was paid out, and so that money would need to be returned the numbers you're saying are little confusing though because typically would be 1400 for you and your husband and then 500 for each child. But regardless whatever was paid out on on them based on your 2019.

Return that is not accurate based on the fact that they are now a dependence means that money needs to be sent back so I would contact your local office of the IRS explain what happened to confirm that the money in fact has to be returned, and then ask about the correct procedure for doing that but you're wise to get to the bottom of this before you spend that money because I'm pretty confident you can be sending them Marie thank you very much we appreciate that call. Sorry about that.

If you need a roof I'm confident that the Lord provides. Thank you very much Angela in citronella Alabama will speak with her momentarily after we come back in the spring that we have phone lines available and we love to say hi.

Would love to chat if driving home over.

Please keep your hands. What is nine infant no attendant to think tenant to recommend these days. 800 525 less. The more we love the check today. 800-525-7000 citronella Alabama Angela, I never heard of such a part of the state is it located automobile sure sure I knew whether Alabama lie what I think you are first called on that area were you say that again I'm sorry no automobile right right well hey good to have you there. Thanks for your patience and what you question for Rob West, a retirement at our retirement. Okay, let I'm drawing my panting and 57, and I want to work.

Maybe 60 years, then eight years. However, what I want to be in my own personal and a little bit more to grow what I already have even you know and what to what would be the best way for me to paid out about 90% of my bill so Angela tell me you had a 401(k) 043D.

Is that right when you left your employer right right yet another company and so you rolled it out to an IRA right right okay and that your new place of employment. Do you have access to a retirement plan.

There no I do not okay so you have the best option for you, at least to get started, would be for you to contribute to that IRA. So as long as you have earned income, you'd be able to make a contribution to that account info 2021. It's the same as last year. It's $6000 if you're under the age of 50. You can add another thousand to it 7000 over the age of 50. So were you looking at putting in more than $7000 in the course of the year about how okay great so that would be able to be contributed, assuming you had earned income of at least that amount to that IRA want to contact them probably set up an automatic systematic contribution right out of your checking account that we don't see the money and you're not tempted to spend it on something else and then do as that's added that according to how it's being invested would be redeployed every time they rebalance or if a rebalance wasn't taking place they could buy additional shares consistent with the strategy that they're employing so I think I would reach out to them.

Let them know that you like to set that up the probably send you some paperwork to establish an automatic transfer and then that would allow you to keep contributing to this retirement account for them to redeploy as additional investments and it'll keep this portfolio growing. Not just because of the appreciation, but also because of the contributions. Does that make sense to you very goodbye think that's what you're looking for. Hopefully that will be of help to you. If you have any confusion or questions on the way. Let us know. Bless Angela thank you very much for that down to West Palm Beach next row. Did you have something before we take her next caller where we did have somebody wanted to correct the record and in their exactly right yet on this third round of stimulus you use additional $2 trillion that were going to borrow.

We will have a $1400 payment to dependents first round was 502nd round was 600 now with the third round. It is in fact a $1400 per dependent. So for that previous caller that would be exactly right in terms of what she received 1400 for she and her husband in the 14 for each dependent again because they file their 2020 return they got there stimulus because she hasn't filed and they the iris doesn't know there no longer dependents of hers, they would have paid out on that so that money will need to be returned. But that number does line up with the law based on this third round of stimulus. Now the 2 trillion you mentioned. I mean, that's more than I paid for my first house where did we borrow that from what bank I gave us that loan putting it. It's called a printing press and we have a pigment here in this country French get West Palm Beach hi Kathy how you doing today and how can we help certain prepaid: college workforce prepaid 2012. However, I can tranquilize prepaid now something I can control her for 20 oh the educational purpose sure and do you have reason to believe Kathy that you would qualify for financial aid for college okay very good deal which are probably going to want to do the Florida prepaid plan does allow you to cancel the prepaid plan at any time for any reason you request a refund equal to the payment you made there to take out some fees and usage in and refunds but you'll get that money back and then you want to redeployed in a way that's consistent with your goals and objectives moving forward. So what I've heard is we want this money to be available.

Perhaps in less than 10 years, maybe even five. Is that right will call me and how long is that from now. Okay so but it could happen quicker than that, but probably the outside limit is, is that seven years and then you plan to give it to him. But you don't want to have him that you take control over till you're ready for him to do so and you don't want to be tied to educational expenses like you would be with a 529 or something like that.

So I think what you're probably going to want to do is just open a brokerage account. It's a taxable account, probably joint account in the name of you and your husband you'd retain control of words were not talking about a custodial account.

The becomes his asset at the age of majority there in the state of Florida and you would then be able to deploy it in a way that's consistent with what you're trying to accomplish, so I would say a mix of stocks and bonds you could visit with our friends@soundmindinvesting.org for some great advice on some mutual fund investment options on what's called a balanced mutual fund, a mix of again stocks but also bonds do not want to get too aggressive, because the ideas he might need this money and five years now.

If you have reasonably this can be less than five years, I'd be really hesitant about taking a stock position without because you may find yourself in a position where he's ready to deploy this money in the form of trade school and you're having to sell at a loss in a couple years and now it's it were in a recession and the market has pulled back pretty significantly. No reason, we want a 10 year time horizon is because we want to be able to have time on our side to whether those downturns. So from that standpoint you would be able to earn much on it but you would be able to get it working for you.

So I think you gotta just pray and think through what your strategy is and then sound mind investing.org or one of the Robo advisors at Fidelity or Schwab second Kathy thank you very much. We wish you the best you're listening to moneywise live from West taking your calls.

525-7000 moneywise live for God's wisdom meets today's financial choices and decisions. Let's go affect were phones from elegant Michigan John.

We appreciate you holding sure what's going on in your life. Well, I just sold my house and I expect to get around $80-$90,000 in profit. I'm having a home built it back home. It cost me 250. I have $4000 in debt and credit card debt. I own a newer car that I owe $19,000 on in my credit score is about 660. I've had a few late payments because I've tried to go through a credit helping thing and I put me behind but I'm wondering what I should do with that money because I like to build a pole barn along with the house with about $40,000. I just want to get my credit score up but I also want you that money wisely and in what I'm doing very good well hello how quickly are you looking to do this and were you living in the meantime, well I I the papers we have enclosed on the house yet, and I'll probably live in a trailer in a camp campground with my wife for a month or so before the house is done. Cool okay and have you all already qualified for the construction to the loan that you're using yes but I haven't typed that I qualified for 215 rather hundred 15 but there was about a year ago so I'm hoping that I got my credit score up a little bit and hopefully will bit more that I can qualify for more.

At least 200,000 and have Yorty signed to build the spectrum. It's already being built. Yes okay but you don't have the loan that's can fund that in place quite yet know okay well yeah so mean we got to get a move on. All of this matter. Think the key right now is we gotta find out as soon as possible what you qualify for, and based on what you qualify for.

Make that make sure that it actually fits into the budget in terms of the loan based on the terms you're going to get because it's one thing for somebody say they give you some money. It's another thing, based on the terms they provide. If that something that actually fits into your spending plan so you can and will continue to cover your lifestyle and obligations, including the car payment and the other you're paying off those credit cards and that type of thing you got eating the 90,000 in profit that you're sitting on. That's great, but you're also looking to spend. I hear 250+4290 minute. Obviously, one option as we wait on the barn writers that already under construction as well. No, that's not under construction. Yet okay so ideally what I would say is, and again this is all based on with that credit score. Whether you're going to be able to qualify for something that's reasonable in terms of terms.

Ideally, I'd say let's wait on the barn you want put 50 of that 80 to 90,000 profit down on that to spec home which is 20%. That would leave you with a $200,000 mortgage. Hopefully that's the principal, interest, taxes and insurance on that once it's complete is no more than 25% of your take-home pay which gives you than the rest of it for all of your other fixed and discretionary's expenses and then once you settle into that and make sure that that's actually can work for you and assuming you have an emergency fund that I would start taking off the of these other debts. Starting with the credit cards so I'd love for you to that of very minimum pay off the credit cards and then fund at least three months worth of your emergency savings for even think about the car or anything else. But that's all. Assuming you know that you can qualify for a loan that is going to meet your obligations in terms of your fit well within the budget. So I think that's really the next step. Here John is for you to do some real due diligence on what construction to permanent loan you can get and then with that loan. The tilt will result from that when it's all done. How is that good a fit into your budget.

Does it make sense okay okay that's what I do next.

If you have any questions along the way, don't hesitate to give us a call backs John, thank you very much. Cleveland, Ohio hello Ray, how can we help you sir, I have a strong teenager and he doesn't make very good choices with his money. He was trying to use some apps on his phone and he sent me on the problem with them as they all charge a monthly fee and doesn't want to do that. And the problem is he really won't do something that's on on on paper or trying to do in that fashion he needs something that will help him get on a budget.

I was wondering if you guys had a recommendation for something that is is is pretty easy to use and free come to the right place race.

Let me ask you this.

Does he want to be able to download his transactions does he have some financial accounts that he's wanting to pull it automatically or is he wanting to just come into these transactions manually and keep up with it that way. I think you will probably want to download the transactions. He has a bank account. He also works for a major distributor that does a lot of the stuff on his phone. He's pretty tech savvy.

I I can't see him manually entering things on my butt until I let's do this I be happy to help you. Normally we don't do this, but I'm to give you a year subscription to the money was ab, so we just came out with the moneywise app.

Last fall I think it's the best digital envelope system out there. I know I'm biased but the reason we have a team spend over a year building. It is because I couldn't find one that I really liked and enjoyed using so it's beautiful.

It's easy to use. It will connect securely to 11,000 institutions. You download your transactions automatically categorize them in envelopes helps you manage your money but it also has a whole community of people trying to manage money. God's way, that are encouraging each other and there's a lot of great content in there as well to help you along your way. If you want to do it manually. It's free of the pro subscription is normally 699 were to give that to you as our gift to him us if you hang on the line will get your or his information, whichever you prefer.

Let him know that were to give them a year subscription to the moneywise app let them get that set up and every week we do a workshop to help folks get up and running and know how to use it really easily and simply so you hang on the line will get that out to you is a some good right and sounds fantastic. Thank you very much. Oregon bushes are. Thanks Ray very much and I let's see, what was it oh yeah go Browns out to Colorado hi Pam, just a couple of minutes here. What's on your mind. You went to school and plan your income and I'm going to Rick and wanted yeah, unless you're talking about something else.

The doc you find that I'm injured aware of the Pam is basically a company that prepares the documents for you to help you apply for student loan forgiveness so it's not a scam but they're not actually the ones providing the forgiveness, the Department of Education is what provides the forgiveness so you make a payment to them and that's for the doc prep services that they're providing for you. Which by the way, you can do yourself. If you happen to qualify for one of the federal loan forgiveness programs like teacher loan forgiveness or any of the others that are available, you've got a look at the fine print, though not from doc if I but from the government to make sure that you do in fact qualify for one of those loan forgiveness services and then if you do I'd say you don't do it yourself is essentially with doc you fly you're just paying someone to fill out forms that you can fill out on your own so I don't think that's a necessary expense. So I would look a bit closer at that. If you think it's something other than that, because that's the only doc if I am aware of. Okay, Pam, Douglas, you thanks very much. Let's squeeze one more in Somerville, Georgia Denise, I your question is about the stimulus check, or 1111 from my did you file a tax return last year. Now that's probably why and so you know you have the ability to go the irises website and check on the status of it and you can ask you requested to be sent to you, but if they don't have a tax return on file for you. That's probably what's going on here so if you qualify, you're going to probably need to be a little bit more patient and you may even have to initiate that so that they know you're entitled to it. So I head over to the irises website, IRS.gov. They have a lot of helpful resources including a tool that they've completely revamped recently for you to determine your eligibility and the status of your check again.

You'll find all that it IRS.gov and we appreciate your company's it's gonna take a while for these checks to get out. We haven't received our as I don't know if you've received one Rob but it's going to take a while.

If you received one of the past. More than likely you will receive this one as well.

That's exactly right, and Social Security recipients should have gotten those checks if it's a paper check that's coming though as opposed to direct deposit.

It contained just a little bit longer. Rob this time around, you know, we were people were receiving checks in the form of a what appeared to be a credit card.

Will that be happening. This time reduction about, you know, I'm not sure if they're doing that for this third-round Steve or not. I haven't seen that report. I know they did for the previous rounds just not sure if they're doing that again.

Frankly, I hope they don't because they just clued so much confusion but I don't have a good answer to that certainly did.

Rob, thanks very much. Hope you and yours have a wonderful weekend and Steve thinks that my thanks to our technical crew today doing all the heavy lifting in the background.

Amy Dan Clara and of course none other than the man with two first names Jim Henry one. He's not filling in his bracket handles all of our research biblical exegesis and hermeneutics arrived last time Steve Moore hoping you have a great weekend. Drive safely tending to something in that proximity. Tell someone you love them and join us again on Monday