The Meaning of Stewardship

Listener told me a funny story the other day. He had bought one of those fancy new exercise bikes and for him. It was without a doubt a very special tool to help them get healthier. The problem was three days went by him and for and he'd yet to use the bike and then on night five. He sitting at the kitchen table and he looks down at himself, and he couldn't help but just laughed because there he was wearing the exercise T-shirt that came with the bike and he was eating to corndogs. Hi, it's Doug Hastings with Moody radio and I think we'd all agree having a special tool only matters if we use it to our benefit and I love you guys to learn about my friends at United faith mortgage a very unique faith focused mortgage team with an advantageous tool just for you to see United faith mortgage is an arm of a bigger company who is a direct lender, which means they get to use their own money and make their own decisions is no middleman and often this advantage allows them to get you a better rate on your refinance or your new home purchase can save you monthly and lifelong money, so I'd encourage you check them out.

United faith mortgage United faith mortgage is a DBA of United mortgage Corp. 25 Millville Park Rd., Melville, NY. Licensed mortgage banker for licensing information, go to an MLS consumer access.org corporate MLS number 1330. Equal housing lender not licensed in Alaska, Hawaii, Georgia, Massachusetts, North Dakota, South Dakota and Utah. Christians are to be different and apart from the world in a good way to start is by practicing stewardship in a culture that glorifies materialism true stewardship should stand out my Rob West being a faithful manager of God's resources requires a working knowledge of stewardship is behind it will talk about that verse today that it's on to your calls at 805 five 7000 years number 800-525-7000. This is moneywise live guides our financial decision.

So the first and support. We must understand about stewardship is ownership. God owns every he created everything so that just stands to reason that Scripture is very clear about this to be taken to Psalm 24 one into the earth is the Lords and the fullness thereof the world and those who dwell therein, for he has founded upon the seas, and established it upon the rivers about Deuteronomy 1014 behold to the Lord your God belong in heaven. The heaven of heavens, the earth and all that is in it and finally Psalm 50 verse 10 for every beast of the forest is mine and the cattle on a thousand hills.

So we've established God's ownership.

Now let's look at this form or skews me from another angle, and we have to understand that if God owns everything. That means we own nothing. That's a difficult concept to grasp because we possess a lot of stuff our house and car in bank accounts. We hold those things. But here's the key. We don't own that God does. We own nothing from the change in our pocket to the close on her back. God owns it all and were to use those resources wisely and in obedience to the Lord that if we become arrogant about who's done what it's good to remember that even the skills and abilities we have to acquire wealth belong to God. There only on the loan if you will, and were to use them to glorify him.

First and foremost not to enrich ourselves.

Deuteronomy 817 and 18 makes this clear. It reads beware lest you say in your heart my power and the might of my hand have given me this wealth you shall remember the Lord your God, for it is he who gives you the power to get wealth, that he may confirm his covenant that he swore to your fathers, as it is this day.

So God owns everything we own nothing in this is the first principle of stewardship. The next principle that was responsibility see as stewards, we have no rights over what we temporarily possessed by the Lord's provision, but we do have responsibility to use those resources wisely for his purposes. There's nothing wrong with enjoying God's provision. But we must seek the balance between that and using his resources for his purposes.

This is defined in first Timothy 617 it reads as for the rich in this present age.

Charge them not to be haughty, nor to put their hope in the uncertainty of riches, but on God who provides richly with everything to enjoy but they are to do good to be rich in good works to be generous and ready to share that one day each of us will stand before the Lord to give an account of how we used his resources just like the servants in the parable of the talents that the district differences will be accountable for everything, not just money, but our time and abilities to those are all resources God has given us so we must use them wisely. How do we know where to draw the line.

How to enjoy God's provision without clinging to it and claiming it for our own. I think that something each of us must determine in quiet prayer with the Holy Spirit. Romans 826 reads like this. Likewise the Spirit helps us in our weakness. We do not know what to pray as we ought, but the Spirit himself intercedes for us with groanings too deep for words trust him to tell you if you're enjoying or squandering what the Lord has given you right now for the last principle and that's reward I think we have reason enough to be good stewards because of what God's already done for us. The priceless gift of his son for our salvation, but he promises even more blessings when we are faithful stewards of Colossians 3 reads like this. Whatever you do, work at it with all your heart, as working for the Lord, not for men, since you know that you will receive an inheritance of the Lord as a reward is the Lord Christ you are serving you how we manage God's provision will determine whether we hear those words. Someday we all want declared good and faithful stewards key is to understand our role and that's the role of manager or secure caretaker of God's recent this is your calls in acts 800-525-7000. This is moneywise live.

Thanks for joining us today on moneywise live on gravel as this is program recognize God owns it all. Stewards of money is a tool to accomplish God's purposes. To answer your calls and questions today apply the 2350 versus well, maybe not all of them at once, but apply the principles we take out of God's word to whatever's going on in your financial life. Here's the number we have some lines open 800-525-7000 800-525-7000 before we get to our first call today in Athens, Ohio. Let me remind you are moneywise coaches are available to serve you.

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How can I assist you.

Yeah, thanks for taking my call and God bless you and your ministry and all that you do to help folks think is my question has to do with investing I'm I'm new to investing, and recently opened a faith-based raw credit union and I left the day and the young of the normal investment rocks had no similar performance but I did notice that on the faith-based listing of companies. They still have a lot of companies like Microsoft Goodyear target Facebook all those type that I don't really care to support new to their cancer, culture, ethics, and things that they seem to adopted with my question has to do is there any way to figure out a list of companies or how to exclude them as well as those that support abortion and enough pornography and all those sorts of things. Sure love, I'm delighted to hear that as you get into investing. You're also thinking about how to align your investments with your Christian values which is a really exciting opportunity that we all have as investors or might I say owner should know when we own companies. The question is what are those companies and what are they doing with their corporate profits and what are their primary business activities and do those conflict with our values. I think we all need to establish our own convictions about how we want to approach investing.

Do we want to avoid certain companies. Perhaps we want to engage in buying other companies that are actually making a difference in the world from a kingdom standpoint or purely just human flourishing.

Or maybe we want to use our role as ownership to engage with certain companies and vote proxies and make our voice known to align our Christian values with the company you know I think that opportunity exist today, perhaps in ways it hasn't in years past with some wonderful investment solutions that will do just what you're describing. Love to share some ideas with you, but first Bob when you say you went into a faith-based investing strategy described that for me was it a faith-based investing fund family inside that Roth how was it to portray to you and yeah I understand the kind it's a selection of companies and better primarily. I think a lot of the tech companies and things and then let me faith-based. That's gonna exist.

Why was it eliminated things like company said they were involved either in pornography or just public tobacco and alcohol and all those sorts of things okay and so that your conviction to exclude certain companies. The question then is how are those filters or exclusions being applied and that would be up to each investment company to determine what that looks like hopefully they have the ability to provide screening that aligns with your convictions or it may just be kind of their own approach and you have to decide whether it works for you or not. A couple of thoughts on where you go from here. One is I would encourage you to check out some of the fun families that are really some of the leaders in this space. One would be called Eventide invest Eventide.com is the website.

Another one is praxis PRA XIS praxis mutual funds.com and then 1/3 is inspire investing.com so invest even tied inspire investing in praxis mutual funds. Those would be three world-class fun families that would be doing the kinds of things you're describing and have the level of exclusion. I think you're looking for but one other tool that's free that I would avail yourself of is a website from one of those companies I mentioned named inspire in the website is inspire insight.com inspire insight.com but what they do there with that free resources you can type in any stock symbol any mutual fund, symbol, or any exchange traded fund symbol in it through a massive database pulling content in from all over the web will actually provide a score for every investment you put in and actually give you insight into the kinds of activities there they have that may potentially violate your own values and not only can you see the score they provide.

But you can do your own analysis based on the information that returns so I think Bob. Perhaps that's another starting place for you is to evaluate what you have. See how it scores and then look behind that to see the kinds of things that are driving that score down so you can see, if you do have some concerns about that and then secondly I would check out any one of those three fun families, perhaps for some other investment options that would really lineup more effectively with what you're looking to accomplish. Does that make sense for you. I type initiate the references that you offered there and I plan to investigate them. Very good, Bob. We appreciate you listening.

Thank you for your kind remarks today sir and may the Lord bless you. We appreciate it very much. Folks, this is really exciting development that's taking place in the investment landscape where alongside a secular approach to investing, called ESG, environmental, social and governance type of investing is a subset of that there's a really growing segment called faith-based investing where you can in fact make sure that your values align with your investment.

So perhaps you should check out this fun families I mention for yourself. Test even tied inspire investing praxis mutual funds.

Please many more of your questions just around the side of the tenant today to moneywise live on last taking your calls and questions on anything financial we have some phone lines open. Here's the number 800-525-7000 just a moment were to be talking with Dan in Fort Wayne about investing his tax refund will talk with and in Cleveland about whether she is responsible for her parents debt if he or she, her parents passed away.

I will talk about investing the 401(k). But first, let's head to Spring Hill, Florida and talk to Travis how can I assist you. I purchased all house around three years ago with homebrewed mortgage at about Lord it with them.

No, and just recently a transfer to freedom mortgage and a chat me some mail and I got a phone call on to contact them things that I could get a lower payment and I did and they were all for me to refinance and I was just curious if I should refinance. I don't really know much about that. Yeah tell me about the current mortgage that you have.

You said, it's fairly new.

You took it out, not to set right in the FHAI believe streamlining mortgage all right and now now what is the term other than the interest rate 30 year term and the interest is 5.12 okay date they told you what that new interest rate would be if you were to streamline refinance yesterday Lynn David's 3.625% okay are a very excellent and would be a new 30 years he gave me an option of a new 30 years and then staying the same year that like saying the same term. Very good. Yeah, I like this option, your your rate is higher to save nearly 2 points on it and with FHA, the streamline refinance program gets its name because it allows borrowers to refinance an existing FHA loan to a lower rate more quickly. You'd miss a lot of the paperwork and appraisal that you would typically have with a straight refi and you can save a lot of money and time in doing it so as long as you plan to stay in this home for a while. I like the idea that you do the streamline again. It would be lower cost you come out way ahead with the lower interest rate over the life of the loan and if you'd stick that option where you're not extending the term I like that. Even better, so I would say Travis, go ahead and proceed.

I'd be concerned with. You refinancing again with a straight refi just because of the cost you been incurring as you been doing this but the streamline refinance gives me some more confidence that this is the direction to go. So I would in fact perceived. And let us not.

Turns out we appreciate your call today.

We got some lines open 800-525-7000.

Let's head to St. Charles, Illinois Joanne, thanks for your patience. I can help you. And so I received a call yesterday from my financial advisor and 59 1/2 for the first question was who told you in any way. He said he said so we were wondering, it's probably a good idea to take your 401(k) money that you have and give it to us so that we could start an IRA for you and you know, I know. Typically people charge for moving monies for you were watching over your monies and you know while night one.

My 401(k) is with a company called July service since I can't, you know it's growing near some like what is the benefit for me to move back or what are the pitfalls so you know. And then, would there be a concern for cactuses defined movement that I have to pay taxes on that money now or are there other things I should move right now I'm debt-free. My home is paid off. I have no debt, so I'm saving money as I say that I keep putting it into this investment firm, but I don't know if I'm making a wise decision with what I'm doing. I'm just putting it here there and just seeking out girls yes couple questions. Are you still working doing. Yes, I am see the first thing you have to determine is whether or not your plan little your 401(k) plan would allow you to roll these funds over while you're still working. In most cases, you can add to separate from the company in order to do that but essentially once you roll into an IRA. Whenever that time comes, which I think is generally a good idea for most folks that's not a taxable event. So really doesn't have any impact on with your 59 1/2 or not because you're not withdrawing the money, you're simply rolling it from a qualified account 401(k) to another qualified account.

The IRA you're not taking possession of the funds and so as a result of that rollover you you're not recognizing any income or paying any tax and then you would have to deploy those funds into new investments.

Once it was rolled into the IRA. I think the main question for you at this point is what investments are available to you in the 401(k) and which ones have been selected by you or somebody else and are they appropriate for your age and risk tolerance goals and objectives in the last 12 years market is done quite well the last couple years is done really well so were in on the Canada backend of our raging bull market now wears a going from here. Will no one knows but I think the prospects that we could hit. No cyclical rollover of the market because the economy takes a downturn a year or two down the road with inflation and higher interest rates and the debt that we taken on in this country and just some of the things that tend to happen in cycles economically could lead to a recession at some point or a bear market and we know historically were due for one.

So the question would be, even though you've done quite well over the last 12 years are you positioned appropriately so that if we were to hit a rough patch in the market which I wouldn't say would last forever. It would give typically after 18 months or 2 Years Would Work Her Way through it and move into a new upward cycle, but during that time.

Are you too close to retirement and perhaps taking too much risk you may find yourself in a position where your account was down 20 or 30% or more and that would be concerning to you so I just want to make sure that you're invested in the right things with the right allocation of stocks and bonds and real estate investment trust. That's a part of this. So whether you leave it there in the 401(k) or roll it out to an IRA at some point to have it managed I'd get some professional expertise to look this over it.

It's worth that you been saving for a long time and this is a lot of money that you put away so I encourage you to go to our website moneywise live.org look for a certified kingdom advisor or two or three in your area that you can interview and then if you leave it in the 401(k) they would have to take over management. You could just pay them for their time to evaluate the investments tell you whether you're on the right track.

Or you should make some changes moneywise live.org just click find the CK call today your causing more right around the corner of moneywise live 800-7000 with us today and moneywise live by God's wisdom to your financial life got a few lines open 800-525-7000. Did you consider yourself a part of the moneywise family regular listener to this broadcast beyond the giving to your local church. We would just simply asked whether you would prayerfully consider a gift to moneywise media we do what we do every day on this broadcast in the Alpine on our website with our coaches.

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Just email us at info@moneywise.org. Let's head back to the phones to Cleveland, Ohio W CRF and thank you for going today. How can I help you wondering my mom passed away last year and I wonder if any of her that medical our credit at our able to be forgiven is a good question Gilda, the law requires the estate to pay the deceased person's bills before distributing money to errors. If for some reason the account doesn't have enough money to pay off the creditors then you as an errors are not responsible for any unpaid balances. Unless of course it was a joint account with you or you cosigned for the debt, but apart from that, that would be handled from the estate part of the responsibility of the person handling the estate, the executor prior to the funds being distributed. And again, if the funds are not available. Typically it's charged-off or forgiven. At that point. Does that make sense to you now.

Take out and I had heard that if you have chronic parking your own name. It's not responsible for that debt. If you are to pass away that trailer yet in income and loss states, you're usually only liable for credit card debt. If the obligation is in your name.

So if the credit card is only in your spouse's name your typically not liable for that debt. But I think at that point you have to ask yourself you know is this money that was charged for yield by both of us and you decide how you wanted to handle that unit with integrity. But yes, from a from a common-law state standpoint to there would not be responsibility.

There okay okay I guess I was cooking fat payment right Now and then met the parent data trip okay that makes sense. All right, are you listening is going absolutely. And God bless you to Fort Wayne, Indiana Dan, thanks for going today. How can I assist user year's race, I received a a tax return values wondering what a good thing would be to do it like I want but I made it towards investing very good so couple of things number one.

How did much did you receive on your refund 8000 okay so the first thing I would look at.

Dan is increasing your withholdings so you get next year or this year for next year's tax return that you would file that you get more back in your monthly paycheck because what I'd rather you do is have a spending plan or a budget that really reflects your goals and priorities, including giving and saving for the long term, and if you don't have an emergency fund building that up. And if you have consumer debt paying that off. You're going to do better. Getting that in your monthly check every month so that you can prioritize the use of those funds as opposed to getting a windfall at the you know the beginning of the next year and giving a tax-free loan to the government you all those months while you're waiting to get that back which I'm glad to hear you're thinking about investing it, typically with a windfall like that your folks will not necessarily use that in the most wise way they might yield by a big ticket item or go on a big vacation or something like that. So talk to your HR department about increasing your withholdings so that you've got your more money coming back to you in your paycheck every month and less being taken out for taxes but with regard to how to use this $8000 and ask a couple of questions do you have an emergency fund, a liquid savings account for unexpected expenses hi, I have 11,000 babies great and that separate from this 8000 right yeah yet they validate unit check. I did not cash this check yet perfect. Secondly, do you have any credit card debt. I will all have paid off every month.

What I you excellence and you have any other debts, car loans anything like that. I have a property that I am property.

Our property okay so it's a mortgage and that mortgage adult. That's all you have okay and are you contributing gendered retirement through work. No we I that on my model employer don't offer nothing. No, okay. Are you considered self-employed or are you W-2, W. Q okay. Alright well I think that this is a great opportunity to start putting something away for the future nearby putting this into a Roth IRA. What is your age 23 okay great so your young guy. If you get started now a Dan and put this into a Roth. You could put away a 6000 in a Roth for this year deal that would give you a great start toward your saving something for the future. Ideally, your employer would add something down the road. But until that time comes I get this into a Roth. I'd probably open a Roth at either betterment or at Schwab in their Schwab intelligent portfolios or you could look at the Vanguard advisor. Any one of those would be great. And basically it's a very simple process you to open a Roth IRA. You'd make the deposit and then after answering a number of questions. They build a low-cost ETF portfolio using indexes to give you a good diversified portfolio that could grow over time.

And then when you increase the withholdings and get more coming back in your paycheck. Moving forward, you could perhaps just do a systematic contribution of let's say your 500 a month right into that same Roth IRA starting next year so you can fund 6000 a year. If you have the ability to do more over time.

You could look at some other options you for your investments but I think that would at least give you something that's going into long-term retirement saving. So betterment Schwab intelligent portfolios or the Vanguard advisor you want to open a Roth IRA and then make a 2021 contribution to that account. I hope that helps my friend. Thank you for your call today. We appreciate it very very much. Hey, I before we head into our next break and then we have some great calls that are lined up to take here and in just a moment.

Let's take an emailed question. This comes from Jan in Washington and she says what should I tithe on Social Security stimulus. That's a good question Jan and you know here's my approach to this.

Clearly we see throughout Scripture where to be generous where to be givers and I love the tide is the beginning point, Randy Alcorn, the author calls at the training wheels of the tide means the 10th and I think we should give their to our local church. Then give beyond that, places the Lord has aligned our hearts and our passions. What's our increase. Why would say simply everything that passes through your hands, Social Security, stimulus, paycheck inheritance, it's all God's provision and we can't out give God. So I return attend the Lord through your local church and then look for ways to give you what a silly question to us will read it on the air to questions moneywise.stay with us more calls just around the corner. Thanks for joining us today. I moneywise live to your calls and questions why God's word in your financial decisions and choices. Let's go right back to the phones, West Palm Beach, Florida Scott, thank you for your call. They how can you afternoon in a chapter 13. Like most of the country. God, I was approached about possibly refinancing our home and spoke with our bankruptcy attorney and they said yeah you can do that yet. Court, I believe, but it that even a smart thing to do right now. Well, it's just good to be a function. Scott whether or not you can improve your mortgage enough for it to make sense because there's obviously a cost related to this, you're right.

You can do it with the next FHA and VA, you can typically do it after one year of on-time payments with a conventional loan, typically two years before you can qualify, I think the question is with that bankruptcy on their what is the lender willing to do. Can you save a appoint to appoint 1/4 on the interest rate can you match the term. Are you can a plan to stay in this home for at least 5 to 7 years and in a one of the expenses are they you know much more than 2% of the value of the loan if they are you know that would start to concern me but let's start with the interest rate you have a sense of what you could get him are right now.

I just look at it 4.5 it's a 30 year and I believe that I have to look at it a little deeper, but I think we paying on the answers were for addressing any of the need of the loan right now and I don't know our credit is not great. We had to get new members that that had cancer and I kind of did write a lot of our savings so well and elicits an interest-only loan if it's a can conventional mortgage.

You've got you in the early part of the loan.

A very small amount going to principal.

But there is something going to principal and the net increases every.

Every payment you make. But again I think if with bad credit. In this chapter 13 out there you can be hard-pressed to save at least a point on the interest rate, it's worth looking into.

Nothing except some time on your part two investigated and if you could save at least a point in the expenses were in line I would say could make some sense.

But I'm thinking that's probably not going to be the case so I take a look again. I want you to stay 5 to 7 years said want you to try not to pay much more than 2% of the loan value and and refinance costs.

I want you to save at least a point on the interest rate and match or decrease the remaining term you can do all those things I'd say proceed.

I suspect you will be able to sue in that case just stay you paying that chapter 13 every month on time and over time, your credit will repair itself. In the meantime that's not a terrible rate and I realize your rates are lower now, but given the situation think you know having something around 4 1/2% is not all bad. We appreciate your call today. I Scott and thanks for listening to the program to Illinois Louise, thank you for your call. How can I assist you yet. Thank you so much for taking my call. I'm calling because I went into a bet that property that my daughter got preapproval for on a Fannie Mae loan which the mortgage person gave up to the option pool .1 without appoint a 20,000 out dollars now 404.254 $25,000 but .5 point and I'm that I don't know about what point are and I'm a little concerned because that go great I am near retirement and thought just a little ambivalent at what direction I should go at that particular point. Yeah I give you the numbers again were the interest rates of over the points associated with them. If we put $20,000 out of the 4.00.25 down 4.251.5 point okay yeah you know that's not a bad rate because this is an investment property.

It's going to be higher so I would go. I would certainly look at this. What concerns me more about the rate is just are you in a position to do this in terms of taking on this investment condo at this stage of your financial life.

Do you have the money to put into it. Are you able to cover the debt service. What is your plan with regard to the property. Are you looking to rent it out and you know do you have the time or are you trusting you know your family members going to do that in terms of getting the renter in there and maintaining the property and what if there is damage when they move out mean all of these things.

Not to mention the fact that you're buying and of the euro really skyhigh real estate market right now so you have to look at your area and just see you know how elevated are these prices and you would've these same condos sell for a year or two ago and how much of a premium. Are you paying because of your what's going on in the housing market right now. So those are the things that concern me, perhaps more, then you paying 4%.

I don't think I would pay in your situation. The discount points. I'd probably go with just a straight 4%.

Terror skews me think was 4.25 with no points but I want to make sure you've addressed all of those other things first before you make this decision to move ahead. Does that make sense always on the mission to to make the pain they only confirm that I have it. I don't like to be dead at any debt I'm fit debt free. I have no doubt but that what was given to me was the mortgage could be anywhere from 1500 to 1800 and that meant that the legal a bit out of my range in terms of comparability on a regular basis right. I can certainly understand that and I think you know, given what is the potential for income coming off of this, especially given you how high the real estate market is right now is probably you know it may not be what you think it will be just because of how high the debt services on a monthly basis. So I I'd probably take a hard look at this, make sure this is the right time and you take on this kind of debt you've obviously position yourself quite well where you can enter retirement with you know as little expenses as possible because you you position yourself to be debt free and that's a good thing. So I just make sure you're going into this for the right reasons, not because somebody's urging you to do it or they can't do it without you, and they want to do it, but because this is the right thing for you and I'd be inclined to say hold off at the very least, just push the pause button. Pray about it and really take a hard look at it, perhaps perhaps you could visit with a certified kingdom advisor there in Illinois who could just for an hour or two of their time give you a real objective viewpoint on this by looking at all of your finances, which obviously I don't have the benefit of looking at your budget. The assets that you have in making sure this plan makes sense, but I go slow and proceed cautiously. Cautiously Louise but we appreciate your call today at the plantation Florida EV.

Thank you for calling today. How can I help you I vacant property up north Florida and against competition and asked if I wanted and I think it interrogated me that that there are Craney 45,000 by consuming that penalty tax penalty that I would have to pay to say this is a raw land. Okay. All right. And how do you know this is think a fair price. Do you have as anybody looked at in the market analysis for you to get a train like here. I have mine and I looking around at the people and people that actually live in the area and that they tell you might have to pay a penalty well should be a penalty and you'll pay capital gains tax, but that should only be 15% depending upon your income, but for most folks that's what it will be so good news is, real estate is incredibly high right now in Florida. In fact, I have a family member just sold a piece of property, and in the middle of the state in got far more than they ever expected. So this is a real thing and developmentalists is taking place rapidly in Florida is seeing an incredible influx of folks that's resulting in a lot of this building and development, and prices are very elevated. So arguably this is a really good time to sell the tax doesn't concern me because it's going to have to get paid at some point in the prospects are that the capital gains taxes. The tax rates are going higher, and that's what's being proposed by the current administration. The question is just which most taxpayers it will affect it at what it what wages and what levels of income, but there's no reasonably tax rates are going any lower. If anywhere. They're going higher, so I would say, given how high the real estate market is and how low capital gains taxes are even though you are can have a tax bill the IRS.

This is a great time to sell this property. The thing I want to do is just because it's higher than you've ever gotten.

Doesn't mean it couldn't be worth more.

So I would take the time to find a realtor real estate professional or broker in that area that knows the the property that you have for the area, at least where the property is located and can do a CMA, a comparative market analysis to look at what other properties around it have sold for to see if in fact this is the right price, and it may be may be a phenomenal offer but you may find that other things have sold recently for a lot more then do you're right. You're giving up quite a bit so I'm on board with you selling it if it's the right thing for you financially, just given the reasons I mentioned, but I do a little more due diligence before you accepted the offer. I hope that helps you today.

We appreciate your call very, very much. Well folks were about out of time. We covered a lot of ground.

Today we talked about how we handle God's money, and a host of issues in a way that honors him and that's really what it's all about. We want to hold God's money, loosely we want to give generously.

We want to think about how we can align our hearts moneywise. I was a partnership between Moody radio and moneywise media. Thank you, Dan Jim Gevity.

Thank you for being here will be back tomorrow with much more. I hope you enjoy