Beware of Amazon Brushing Scam

If you're like me watching little kids do Easter egg hunt is a pretty beautiful thing, but I always feel bad for the littlest of the pack. It always seem so traumatizing to see that little one run for an egg. She has her eye on only to have a bigger cadence sweep in and steal it at the last second Heights, Doug Hastings, with Moody radio and unfortunately the same kind of situation has become a traumatizing reality for families all across the country. Families are out searching and finding their dream home only to have it pulled away by another hunter at the last second, which is why I'd really like you to meet my friends at United faith mortgage. Unfortunately, this faith focused mortgage team can't scare off the other hunters but they can very quickly get you preapproved and make it look as good as possible to sellers. They specifically made a commitment to this podcast in our listeners to do all they can to help you.

You can find the entire United faith mortgage story of especially reading how their direct lender advantage can often save your family monthly and lifelong money@unitedfaithmortgage.com United faith is a DBA of United mortgage Corp. 25 Millville Park Rd., Millville, NY license 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. Today's version moneywise line history record store phone lines and not Amazon delivers about 14 million packages a day to its prime program and some of them are going to folks who haven't ordered anything Rob West. It's the latest scam involving the online retail giant and it's called brushing talk about that first today and what you can do about it and we have some great calls lined up but we will be taking your live calls today because we're pretty record this is moneywise live where biblical wisdom is today's financial decisions you receive something from Amazon or any other online retailer.

The didn't order and haven't paid for, but this is different from a mix up where you get the wrong order. Were talking about getting an item, completely unsolicited, even though it has your name and address on it.

If so, you may well have been an unwilling participant in a brushing scam.

Here's how they work. Amazon allows third-party merchants to sell their products on the Amazon site when you search for items on these sites. These items turned up in the search results that the sellers know that having their products appear in the first few search results greatly increases their chances of getting order that search result.

Pecking order is determined largely by customer reviews the better the reviews. The higher a product is in the search results and Amazon puts a higher priority on verified sale reviews and this is where the scam comes in unscrupulous third-party sellers hire people called brochures to purchase their products through temporary fake accounts, then the seller writes fake positive reviews about their products, but to complete the process and have those reviews get a higher verified sale ranking the items actually have to be delivered to a real address and here's where you come in. Naturally the scammers don't want to raise suspicion by having hundreds of thousands of items delivered to their address so they use yours in the address of who knows how many other folks who never ordered the product. Often these unwilling recipients will get dozens and dozens of unsolicited products over the course of several months, as some people may not even report the deliveries to Amazon so far this almost seems like a victimless crime, but that's not the case. The real victims are the perhaps millions of customers who buy products online based on fake reviews and then those products turn out to be shoddy and there's a downside for you if you receive one of these unsolicited packages that the very least, it means your personal information is been compromised third-party seller and a shift he wanted that now has your name, shipping address, and maybe even your Amazon account information so that what should you do if you find an unsolicited package from Amazon on your doorstep will first try to determine if a friend or relative might have sent you a gift. If not, call the Amazon customer service line and notify them of the unsolicited package of that number is AAA 280-4331 and will post that in today's show notes that Amazon is well aware of this brushing scam and actively tries to stamp it out wherever it can, because it compromises the integrity of their business model. Their whole system depends heavily on customer reviews third-party sellers caught falsely inflating the errors are banned from using the site so let Amazon know what happened next, contact the Federal Trade Commission and report the scam. You can do that online@ftc.gov next and this is really important change your Amazon account password. If you use that same password anywhere else you shouldn't but a lot of people do.

So change it.

There also doubt if you've been thinking about freezing your credit but haven't gotten around to it now would be a great time to do it. It's free but you have to do it individually in each of the three reporting bureaus experience Trans Union and echo facts. You can sign up online when you do, you'll be given a pin number so you can freeze and unfreeze your credit whenever you need to finally order a free copy of your credit report from each of those bureaus and you can do that for free annual credit report.com it's a good idea to do that. Occasionally, anyway.

But if you've been caught in a brushing scam that you really need to make sure your information hasn't been compromised anywhere else about the only bright spot in this whole masses that by federal law. You're allowed to keep unsolicited items that appear on your doorstep without paying for them so you can hang onto them, donate them to the Salvation Army or toss them out one last thought.

If you get hit with a bill for something you didn't order don't pay just another scam. So that's the brushing scam then you know what to do about it. When you find yourself in unwilling participant to pause for a brief break. This is moneywise live for biblical wisdom needs. Today's decisions will be back with much more.

It's great to have you with us on moneywise live today but unfortunately they were not lives were recorded and therefore won't be taking your call. However, we've lined up some calls in advance that we think you'll find helpful. So stay tuned and enjoy the rest of the program losing Miami Florida, just south of where I was born and raised loose. Thanks. Were going to can we assist you. Your program will attorney on the name of my oldest daughter I have two daughters couldn't put my youngest daughter so everything under my oldest daughter that was to stand for life. I wanted to change it. They told me that even a year meeting and being in the back of that I should put the date anything mature like you mentioned something about the date will what does that mean it affected because clicking 15 years old couple thoughts them in your will. Doesn't expire so it should mean there's nothing that would cause it to not be in force, but some of the reasons why you'd want to update your special your will.

But some of these other documents are state and federal tax laws are constantly changing, which may or may not affect you so you want to be aware of any changes that may affect your estate plan. Probably for most folks know shouldn't be any changes that would result in any kind of tax situation, but life changes as well. So minor children growing up. You know, a birth or adoption of marriage or divorce, the death of someone named in your will want your children reach the age of 18 you. If you have a change in circumstances of your executor or guardians you want to provide for a charitable or other organization, your church or ministry you make that decision after you originally created your will, you know, so those would be the kinds of things that and if you move out of state. Which, you know state laws and you can can vary by state, and so if you move that would be another triggering event.

So I think generally what the common advice is is that every three years or so, you ought to at least have your will review it doesn't mean that it's no longer effective. It just means that there may be a reason to update something based on your life situation so I'm not trying to add unnecessary expense to you by you know visiting with an estate planning attorney, but at least you know if you're in contact with the person who originally drew it up.

It might be worth. Just saying no. Is there anything I need to consider the needs to be updated and just think through exactly what you had originally named and in what you the decisions you made for your will and see if there's anything that you would like updated just based on what's changed since you drafted that document. Does that make sense was one more question. My mouth was not included in any of those papers I don't have any medical procedure which I was thinking I wasn't going to come out of being a maraschino quotation down the Lord I'm here my house I have to go take planning your college can planner you get sent to me.

Can estate planning how we deal with those three items that I just mentioned to you earlier and made all of it, they could make sure that the home is properly named in your will and in any other documents. For instance, if you had a trust probably don't. But yes they can make sure that everything is handled properly from a titling standpoint and as it's handled in the will. So if you don't have an estate planning attorney I'd probably start with. Whoever did that originally, but if if that person is no longer feel in this area to assist you.

You could connect asking to connect with a certified kingdom advisor in your area and ask for referral.

Hopefully that's helpful to really appreciate your call today onto Oaks Dale Washington DC. How can we assist you today how silly question knelt down and there when everything we can't think account Mark H everything in our name and since retirement, prior to the beneficiary so we can really run into problems. Under the circumstances.

Yeah, I think a couple of thoughts would be you know is there. If what is to have something happen to both of you at the same time you know so then you would be leaving up the clock to the court to decide. You know how your assets and the property is distributed at that point and so that's where a will would actually cover everything that's not deal with the named beneficiary and I think would be helpful to you. Beyond that would be some of the other kind of documents and legal instruments that I think would be helpful to you to have in place your such as a living will power the durable power of attorney, health care surrogate those types of things so that would probably be my consideration as you think about whether or not you need something beyond just named beneficiaries.

I think it would be helpful to have that will that covers you everything that's not included in one of those accounts.

It would be worth your time to address that and you could deal with some of these other legal instruments that I think you be glad to have just so your wishes are carried out with you and your husband in that season of life. So appreciate your call today very much. The hope that's helpful to you on to Chicago, Illinois just a few minutes left to me. How can we assist you how mortgage modify the payment or being laid off and you like second mortgage lien on the property second mortgage market want about what I want to refinance anyway to get around. It's a good question. So was the second loan home equity loan or HELOC, or was it just this additional amount that was put in deferment okay yeah so the only way really to get rid of the second loan is to pay it off or do a refinance and wrote roll it into a new mortgage containing both loans. Assuming you have the equity to do that in the credit score to go with it. Does the water refinance makes sense on its own Tamiami tell me about the first mortgage that you have great thing that my credits, the fact that like my payment.

You know what you credits currently only 35 okay so you're going to struggle a bit. I mean, you'd only need to save a point for this to make sense probably appoint 1/4 would be ideal, and so once you get above 640 you can open up a few more options certainly above 740 is where you begin to qualify for the very best terms and interest rates so I think it be worth looking into refinancing it. If not, I would just really prioritize with any surplus you have, beyond your emergency fund, or any credit card that you have try to get that second loan paid off as quick as you can, but it be worth looking into refinancing bank rate.com would be a great place to start. You can certainly check with your current bank I get two or three offers before you make a final decision. As long as you say the least, appoint, and the expenses are not more than 1 to 2% of the loan that I am planning to stay put there for five or seven years I can make a call today. Folks like you belong with us working up apartments. This is moneywise live for God's word intersects with your financial statements back to moneywise live on Rob West. This is where God's word intersects with your financial life is today your team is taking some time off today. This program is so don't: today we too were live in the studio but we do have some great calls all lined up ready for you today. I'm sure you'll enjoy them now getting back to those calls will talk to Matthews in the Twin Cities area. So Matthew I understand you're a part of a small home church and you're having trouble figuring out how to tie like a light young kid not I first three years we were married that disobedient more than and talking back to the Lord to start doing that definitely saw the light was a really good thing and now like 501(c)(3) church is made out to other families. So where tech guy kind of the terms and are problematic.

So I turned my hand up you know not tithing regularly. I just keep track of it on my paycheck. You know how much how much I'd like to. Then when the need arise as I do not.

I just wanted you had any advice on a more clean way to do a letter better way so well couple of thoughts. One would be you can open what's called a giving fund at the National Christian foundation in CF giving.com.

The technical name for it is called a donor advised fund, they call it a giving fund, but essentially think about it as a charitable checking account where you can make contributions as often as you like.

When you make them your essentially giving credit for the contribution. When you make it and then you're going to get one statement every year from NCF that you would use.

You know, if you itemize your taxes for deducting those contributions and then that money sits there and whenever you decide you want to gift it out or granted to Christian ministry or charity any nonprofit, you would essentially login to the website and it with a couple clicks of a button, like a you do online bill pay you just give the money out you can do it in your name or anonymously. The thing I like about that is, option one is it gives you a place to get that money out of your checking account so you not just got a keeping track of it and then down the road like maybe I can't part with this you can just make it systematic and your every month you're giving it to the Lord and then you have the freedom and flexibility to decide where to distribute that with you and your wife going to do that a couple times a year or year and whenever the Lord leads, I think that would be a great option for you again Jesse could build in Indy are planned in and get it done and then you know if you guys create a C3 or your something down the road you have that option. Otherwise, I'd probably just you know asked the Lord where my being fed apart for my local church and then you could certainly tie that there so to speak. The only other option you may want to consider is just setting up a separate fund if this house church has needs, you know, so if if, as you guys are you know perhaps there's another family or two that comes in. You know, at some point there some expenses related to a meal you guys want to share together in a one night or something like that. You could just gonna have your own fund on the side you wouldn't be able to grant it out of the donor advised fund because that wouldn't be going to a charity, but I think in in this case, the Lord knows your heart. He doesn't need your money and so if you wanted to keep it available for the church family, so to speak. These three families for whatever purpose he leads you to use it for, you know you could do it that way and I think either one would work. Tell me your thoughts so option one. What I can only give to a charity so is it ended up like a 501(c)(3) right this church somewhere, are one of the restrictions on how I can yeah yeah yeah yeah so from a donor advised fund can only grant to a 501(c)(3) not-for-profit organization and with National Christian foundation. They would add an additional requirement that it only go to a not-for-profit that isn't, you know, antithetical to Christian values which I can imagine you're sending something there anyway you know all of them are 10,000s of charities. So any yeah and if you wanted to give to one that they is not in their system. They would contact them and get a copy of their nonprofit status and then you could make the gift.

So it's not like you be limited but which you wouldn't be able to do is give it to an individual or something like that right like no something like that so when… When I mean I think there's something to say about being systematic in your giving so you know as your increase comes in whatever form that is commission checks or inheritance or gifts or even Social Security in your that's a long way down the road, but just really any form other than kind of an insurance settlement where you have a loss in their making your whole I would see that is God's provision your increase and so I would give you know at the time the increases received the also typically that we think about our increase in terms of a monthly cycle just because that's you know typically how we get paid either monthly or bimonthly or something like that. I think you're in a little bit of a different situation where forgiving to the storehouse you don't have the ability to do that and so that's where were kind of creating this other means for you to get it. You know into a place where that ultimately you can get it into circulation in the kingdom by way of the giving fund, but I would just try to do that monthly B if for no other reason, you'll forget about it you know when six months build up that number gets larger and you start to have second thoughts about you making the gift and stuff like that so I think that would just be helpful to you for you to get into that routine.

Yeah, just wondering what the name of the yeah also go to. It's the National Christian foundation, which was started in the late 70s by Larry Burket and Ron blue and getting Terry Parker. They've given out. You did this pass-through NCF. It's like some like $10 billion.

Now me. It's incredible to massive there are the top five largest charity in the country but again there kind of a conduit. They don't actually do the work so you go to their website NCF giving.com NCF giving.com and then you'd want to set up withholding giving fund all right.

While not all happy to do it and appreciate you listening thing else on the way I pause for a brief break back with much more back to moneywise live on Rob West supplied you've joined us today. This is the program were today's financial decisions be God's wisdom will certainly do our best to apply God's truth. Your financial westerns and decisions will do that now by going right back to the phone.

Send a welcome to moneywise live go ahead. Don't thanks so my question is I wanted want to know if I should take out of $20,000 loan to start a business. Okay, tell me a bit more about the business and what your use of money for though the business is basically a custom carpentry or woodworking cabinet built in Europe on woodworking anything everything out basically longer glad and the loan would be to build a shop at my house to work on it will run the business that rights and is this a business you're already in the gym and you're just looking to expand it, or is this a new venture for you will currently work for a company, but doing the same thing offensively in the business and how it wouldn't believe my job or anything.

Basically I be trying to you know to start out in all my time often what happened with it.

Okay so this is going to be on your own time. So whatever you earn would supplement the income you already have what you plan to continue earning until such time as you got enough built up that you could go out on your own is a right okay and where would the loan come from. Is this a personal loan or some other type card so attached to your home or any other collateral. Mr. okay and no did you go to the local bank. And what kind of terms are you looking about 14%.

46 months for the loan. I believe okay all right yeah I mean that's an astronomically high interest rate and I realize because this is a new venture and perhaps you don't have a lot in the way of reserves go.

That's why they're charging this, there's honestly no collateral. So this is assume a signature loan that you're getting. Yeah, that's the part that I'm not thrilled about have you been able to save up any money Jim that you could use for this either doing it.

Over time, or is there another way to start to dip your toe into this water without taking the slowdown well right now. We got about $15,000 saved okay and reason for the loan would be basically not know Ron dry but we are not sure what we should. Well, I'm just can encourage you to perhaps take a little bit slower. Are you able to meet your expenses right now with the income that you have live within your means. Yeah right now after after all, we have about $2100 left over every month okay will that's tremendous I mean clearly you're limiting your lifestyle.

I'm wondering if you couldn't just delay this and you'll fund this out of your own cash flow. Because if you got 2100 a month left over. In addition to the roughly 15,000 you've Artie saved that tells me you are within 10 months, you have the money that you need to be able to get this woodworking business started. Now you would want to drain your reserves to zero, but at least you could do this without taking on an astronomically high interest rate. So I think perhaps just being a bit more patient.

Jim clearly the Lord has gifted you with some gifts and talents in this area.

I love the idea that you're not going to just automatically leave your current employer, you can do this on the side you'd be able to add additional income to your family while you build up this business and that ultimately have something that you own.

Clearly your your gifted added so all of that makes a lot of sense to me. The only thing that I don't like is the terms that I'm hearing on this loan slide either shop it around and see if you can find more attractive, more favorable terms, especially related to the interest rate or to just delay this endeavor until you can fund it out of your current click cash flow but apart from that, my friend. It sounds like a great great plan will certainly be praying the Lord give you wisdom as you proceed and thank you for your call today. Let's go now to Sandra in Illinois you're on moneywise live I thank you for taking my call. Yes I have a question I am well recently widowed. My husband had put super retirement money and it was a rollover IRA and a Roth account and into a managed account so that would be easier when we look into investing this money.

We tried to find a company that was at least morally responsible because we feel strongly that we don't want our money invested in things that will contribute to Lake Planned Parenthood. Things like that and were told when we interviewed the company that that they fell within those parameters, but in going over the companies that our money is in right now since I had to take this over and have been checking that out and it looks like several of them are directly contributing to Planned Parenthood so I'm not comfortable. I don't know I don't like.

I want my money invested in these type of companies and wondered if there's like Christian investment companies that have managed accounts that and if there is, is that something I would be able to transfer this money into its you know I can't talk to the managers and see if I can get it switch within the account. Sure, well said. I love what you talking about here, and this is actually a really exciting and growing segment of the investment universe.

It's a subset of the investment universe we call faith-based investing where the companies that you're investing in, which is an investor of a company, whether it's through mutual fund or a direct ownership through stock.

Your are in fact an owner and so there's a growing number of people that want to make sure that their values line up appropriately with their investments either investing in things that directly benefit the common good through the making of social or even a kingdom impact or of perhaps avoiding certain companies because either their direct business is in conflict to their Christian values or the use of their corporate profits would also be in conflict and in either case, whether embracing certain companies or avoiding other companies that fits nicely into the faith-based investing universe give you a couple of options number one would be to connect with a certified kingdom advisor in your area by going to our website@themoneywiselive.org and that you want to interview at least 3 inches. Ask if they do faith-based investing. Many of them do and could manage it. On that basis. I think the other option is to go directly to some of the mutual funds that operate in this capacity, I'll mention a few eventide would be one of them. You can find them and invest Eventide.com inspire is another inspiring vesting.com give you 1/3 praxis neutral funds PRA tax IIS praxis mutual funds will be 1/3 anyone of those three have phenomenal mutual funds only based on faith-based investing strategies. Whether you want to hire an advisor to do it for you. Go directly to fund though should help leslie@inspireinsight.com you can search any stock or bond or mutual fund to determine whether there investing in things that conflict. We appreciate your call very much today. This is moneywise live on Rob last were to pause for a quick break with much more stable is live on Rob today and got some great questions all lined up talking to Sherry Cleveland about contractor to full-time therapist. But first we had south to Miami, Florida Michelle, you're next on the program. How can we help I. Our I'm wondering what where he now which stock old and I broke and I didn't really get a lot eight. I can't type that would help me out (so are you limited though. In terms of the investment options you have. Based on your current work that you do some princes tell me about this TI AA craft offering is that still available to you or do you have the ability to go outside of that and you.option what I'm very familiar with TIAA-CREF and it's a great institution with some great investment options in its there's matching available to you Michelle, I would take full advantage of that. The key is to get in the right investment mix, you know with these funds and using the TI AA craft mutual funds whether there their own funds which they've got to know what they call lifecycle funds, which are based on a target date of when you would expect to retire. They have some of the call, the lifestyle fund where it was really geared toward the level of risk you want to take and then they have their featured funds which have no different investing style.

So they've got some that focus on stocks. Others that are in the bond area international multi-asset with a combination of of all of them but they have some some great mutual funds to pick from. So I think the key is first of all, how do we maximize what's going in on a monthly basis and that's gonna be by at the very least, taking full advantage of the match and then beyond that you're getting.

I think a target of 10 to 15% going in every month so that's the first thing then the second thing is, what is the right investment mix for you in the idea of mutual fund investing if that's what you are describing is a great way to go because it's allowing you to take a smaller amount of money, not hundreds of thousands of dollars and deploy it across a wide range of investments you. Ecclesiastes 11 talks about put your portion in seven or even eight for you do not know what misfortune may come in the idea. There is you want to be diversified.

You don't want all your eggs in one basket, so that's why you have your broadly diversified portfolio even at your age, you'd probably want the majority in stocks but you want a little bit of bond exposure and you want to make sure you're not just in the US but that you have no international stocks and small-cap mid-cap, large-cap, and those types of investments and that's where if you want kind of a plug-and-play solution. You can use the target date funds for the lifestyle funds, and in either case, it would make sure that the investment mix is appropriate for you or if you want to be a little more aggressive.

You could pick one of the featured funds and actually pick an all stock portfolio, mutual fund and the other be professional money managers, even though you don't know who they are. You could count on them being somebody who's very well experienced and has proven themselves and their track record because they're part of a great institution that would just make sure that there's a really good manager there so I like that option if you want some advice on which funds the PICU could either connect with a representative that would be made available to you through TIAA or you could go out to an independent advisor.

Pay them for their time and have them look overall, the investment options and help you make the selections does it make sense. I think I might be talking on the ladder and prayed that they may come to knee pain after hierarchy, and I became a fan.

Yes, generally speaking, there is no federal protections in place, shielding necessarily like an IRA from seizure in a lawsuit.

But you know generally retirement assets carry a certain amount of protection and you know in terms of creditors, you know they are protected up to a certain amount. So if it's the assets in what's called an ERISA plan which is the type of plan were talking about, you know they are protected from creditors. So yeah, I think you wouldn't have to necessarily worry about that with just maybe a few exceptions, I would say that sounds like this is already been done. But that's why the Bible is so clear about not close because you know in that the Federal Trade Commission tells us in 50% of the cases were somebody has to go sign in order for someone to get a loan. 50% of the time they can't make good on it and the other party has to step in and you know that's I think why the Bible speaks to this because it can create relational and financial damage. So you need to go into this being ready willing and able to step in if your daughter skews me your think is your niece can't.

Just because you don't want to trash your credit in the process but get retirement assets would have general protections, especially against creditors. But bottom line is this is just a great way for you to be putting money away systematically for your future so we appreciate your call today, very, very much. But, let's head quickly to Winter Haven, Florida to marry her. Next on the broadcast redhead hankie taking my call. I my mother turned $80 would like her to be able to enjoy her house about the mortgage CO 38,000 on. I'm 57 taken retirement 10 years so I'm thinking about paying it off for her and or making a payment of done a little better research, but I'm trying to get Marta pop, I've heard about a ladybug being that I want her to feel faith that nobody would ever take her home. But you know when he pocketed I would get the home she felt the shot. She felt make the rule but I required to be I will enjoy no mortgage for the last years of her life and then it would have to be an investment for my retirement when that time, yes, yeah, I think, at which there is a Lady Bird deed versus a traditional traditional what's called life estate deed where you are the owner of the property. In this case your mom the life estate holder also called the grantor life tenant means possession maintains possession of the home as long as they're alive, and that would be somebody you did something you want to talk about with the estate planning attorney.

Generally speaking, if you're concerned about Medicaid if she were to go into a nursing home or something you generally don't have to sell the home in order to qualify for Medicaid coverage. Obviously, upon the death of the individual.

The state may attempt to recoup from the estate. Whatever benefits it paid for care, including from your homes sale.

But the bottom line is if you want her to be able to stay there.

I think your next step would be if you want to pay it off in a lump sum to contact the lender directly with her permission, because they'll have to authorize it to get the payoff and then make sure that the it's paid in full and the mortgage is canceled and considered paid in full and then I talked to an estate planning attorney about how to use you either a Lady Bird deed or traditional life estate deed for estate planning purposes to make sure she's protected and that the home is protected and you could connect with a certified kingdom advisor in your area by going to our website moneywise live.org and ask for a referral to a godly estate planning attorney there in Winterhaven to give you the best counsel. We appreciate your thinking about your mom. You're certainly on the right track here. It sounds like you are a wonderful daughter just really wanting to be there for her and that's a great great thing. I let's go quickly to Cleveland, Ohio Jerry are to be our final color today. How can we help at work. I have a full-time job, but I worked there Monday.

Can't work my goal.

The whatever it might get when I retire or when I file my tax year are something that I should be doing well as a self-employed individual you pay Social Security taxes on your 1040 and W-2 income. Part of that paid by your employer but you, when you don't have an employer per se as an independent contractor you pay both the employer and the employee parts of the Social Security tax so the total self-employment taxes 12.4% of your net earnings up 237,000 and then you also have to pay Medicare tax on top of that 2.9% of the total is 15.3 that covers all of the Social Security taxes, which means that that additional income is counted in terms of your total income for the. In calculating your Social Security benefits down the road so it's in added expense for an independent contractor, self-employed individual, but it is beneficial because you will enjoy the benefits get to that season of life. We appreciate your call that I hope that helps. Let's get to do it for us today. Folks, so thankful to have you along with us. I want to say thank you to my team today.

Dad Amy and Jim Henry was a thank you door call screeners today and thank you for listening moneywise.

Live is a partnership between Moody radio and moneywise media this is the program we apply God's word to your financial decisions come back and join us. Next I will you see