King Solomon on Money

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They put together a team with Christian values with faith and family at the core. They know that this is arguably the most important purchase of your life. Check out the top five things you should know about United States mortgage@unitedfaithmortgage.com thanks to you and United for for supporting the radio United 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 is always fun to see the secular world suddenly discovered the wisdom of the Bible, even more so when the subject is money around West such a case occurred recently in an article posted on the popular finance website humble dollars about that first today then take your calls and questions at 800-525-7000 you can call that number 24 seven 525-7000. This is moneywise live where were always discovering the wisdom of God's word on money. So this article at the humble doll rightly focuses on several verses written by one person described as both the wisest and the richest man in the Bible, if not in all of history. King Solomon first on the list is Proverbs 1316 every prudent man acts with knowledge but a fool flaunts his folly. This verse could be about many things, but it certainly applies to managing money wisely.

It implies we should have financial reserves so that were ready for whatever lies ahead. We can't predict the future but we can prepare for this includes not only having an adequate emergency fund of 3 to 6 months living expenses in case of job loss, or some other financial calamity.

It also means we should invest long term for the day. We can no longer work. The next verse in the article was Proverbs 10 four which reads a slack hand causes poverty, but the hand of the diligent makes rich we might be tempted to think that once too obvious, but even the most diligent of us can get lazy once in a while so it's a good reminder of the importance of working hard. Everything we do in his sermon titled the use of money 18th-century evangelist John Wesley said it like this and all you can save all you can and give all you can. And while God never promises to reward us financially diligence usually pays off. Now everyone should be able to see the truth in this next verse of Solomon's, whether they believe in the Bible or not, it's Proverbs 22, seven, and you know it well.

The rich rules over the poor, and the borrower is the slave of the lender that when you borrow money from someone you become their indentured servant, you will have to work a certain amount of time to earn the money to pay them back with interest. Essentially you're working to enrich someone else. Still, some forms of debt may be worth it if you get you an education and a higher paying job, or allows you to buy an appreciating asset like a house or to open a business that will provide an income stream, but consumer debt is in credit cards is never worth the financial bondage.

It brings in the time it takes to pay it off. It's like saying I'm going to eat drink and be merry today and then I'll spend the next month paying for it.

Not a wise trade-off. If you can't learn to live on less than you earn.

You'll always be in financial bondage and Solomon's next verse quoted in the humble dollar article puts in! On that idea.

It's Proverbs 2120 precious treasure and Euler in a wise man's dwelling, but a foolish man devours. That means the wise person saves the only way to achieve financial freedom is to live on less than you earn and do it for a long time. Proverbs 21 five wasn't listed in the article, but I'll read it anyway because it certainly applies here. It reads steady plodding brings prosperity. Hasty speculation brings poverty.

Okay, this next one is a favorite of Christian investors because it clearly points out the wisdom of diversifying your portfolio. It's Ecclesiastes 11 to give a portion to seven or even 284. You do not know what disaster may happen on the earth. It's amazing that such specific advice given 3000 years ago, could still be a linchpin of prudent investing today, but it is if you don't diversify your holdings among stocks, bonds, commodities, cash, and perhaps real estate your portfolio could suffer the full brunt of an economic downturn, but dividing it up among different asset classes will certainly lighten that blow now at the next verse warns about the danger of having a get-rich-quick mentality it's Proverbs 1311 wealth gained hastily will dwindle, but whoever gathers little by little will increase if you don't believe that what I've got two words for you lottery winner. How often do they go through that money quickly, often ruining their lives in the process.

That's because if you have an accumulated wealth slowly and with discipline you can't appreciate how difficult it is to do it right time for one more and I was delighted to see this verse of Solomon's listed in a secular article about money. It's Proverbs 22, nine generous will themselves be blessed for that share the it's a great reminder that God owns everything, he is our provider and we should share with others. Your calls or next.

800-525-7000. That's 800-525-7000. This is moneywise live will be right back for delighted you're joining us today is moneywise. My last closing questions in just a moment on anything financial, here's the number 800-525-7000. That's 800-525-7000 you consider yourself a part of the moneywise live community. If so, we encourage you to consider a gift that we can only do what we do on the radio through our coaches, CK A's through the moneywise app on the web because of your generous support are moneywise. Family partners are those folks who come alongside us, with a monthly or one time gift that allow us to sustain this ministry we operate on a budget as you do, and that we can only meet that budget each month especially during the summer months with your generous support. So beyond the getting to your local church. If you consider a gift would certainly be grateful you can head over to our website moneywise live.org just click the donate button to give quickly and securely. We appreciated in advance again.

Phone lines are open today we got actually a number of lines available and ready for you. We'd love to hear from you with whatever you have on your mind today saving or giving.

Perhaps it's investing for the long haul. Whatever it might be.

We'd love to know 800-525-7000 were to begin today in Las Cruces, New Mexico, Georgeanne, thank you for your call. How can I help you make, to live and we have many think that my has been said that data about the 90 day we have deductions for that would be a good move. Yeah, you know, I generally don't recommend doing anything specifically for the tax benefits because it's going to be minimal if at all, that you would even be able to enjoy that. You know 80% of taxpayers. Georgeanne are claiming the standard deduction, especially now that it's been doubled.

Do you know if you all itemize on your tax return okay alright so you would be borrowing money without a home equity loan of some sort. Okay.obviously if you use that to improve the house and you itemize you potentially could get that deduction, but that's only going to be equivalent to what you would normally pay in taxes. So obviously the majority probably 80% or more of that expense. You'll have to realize yourself the question really first and foremost is number one. Can you afford to do it.

Do you have the funds there, and I'd love for you to be able to save and do that out of cash. If you got the equity in the home and you counted the cost you've factored and what it would look like to add a home equity loan to your mortgage unless you are planning to refinance and want to make sure that makes sense. Before you do that, that's obviously key the financial consideration and then you probably want to look at how long you plan to stay in the home.

If it's something you can afford and it's truly for your own enjoyment. You plan to be there for a while, then I think there's nothing wrong with that, I would probably look to a home equity loan with a fixed rate as opposed to a line of credit if it's a home you plan to sell. Let's say in the next five years, you'd probably want to look a little deeper to make sure that this is something you can actually get your money back out of in a breakfast nook at the most is probably going to allow you to recapture somewhere around 60 to 70% of the cost with an increased sale value of the home so you want to consider that but again if this is a home you plan to be in for the long term, and this is something you think you can afford. Then there's certainly nothing wrong with that either. Taking a portion of what you saved or home equity, or both, and putting it back into investing in your home I just wouldn't do it because of the tax benefit.

So often we use that as a justification when the real benefit to that is minimal. Does that make sense.

We have the cash so okay he didn't think about that tax deductions for Sarah Lyons at home create clear okay very good well again. I like the idea of paying for things out of cash. If you have the ability to do so I wouldn't use the tax deduction is a reason to justify the debt of the cost of the expense that you're going to pay in the form of interest is going to offset the benefit that you're going to gain by a tax deduction for the interest paid because again you don't realize 100% of that the interest that's paid that you would deduct your only going to get equivalent to whatever your effective tax rate is so I would rather see you just keep the home own free and clear pay that out of your savings as long as you're not going to drop your emergency savings below three months expenses to with the most that I would say just go ahead and pay for it out of cash. Enjoy it. And over time that should increase the value of the home as well if not hundred percent of the cost at least some portion of it you get back when you sell. We appreciate you checking in with us today and if you decide to go forward. You guys enjoy that new breakfast nook. Let's settle on to Longview, Texas, Linda, thank you for calling today. How can I help you and yours all I got my car to a long-term care policy. I pretty much everything and then increasing the last several years and I just got a premium notice that it's going to collect 25% this year and 20% next year and I'm just trying to figure out I'm in good health and wondering what that list and is continuing to pay based these rights even if you these policies now that everything I did get it for management and it was perfect. Linda talk to me about how these increases will impact your ability to continue to fund this out of your current cash flow. It's not going to be a bargain at this point. Okay, now that you know but I don't know if you can't think a lot it be $4000 next year. Well, well, keep in mind that even though that's quite a bit of money if you have to and use it in you. I'm sure you experience this with your husband. It could be very costly if something is going to road your assets in this season of life. It's going to be long term care and what we know is that to the 70+ percent of Americans who reach age 65 will need some sort of care for 18 months to three years.

So even though 4000 is a lot of money.

Keep in mind, given your age and given the pot kind of policy you're describing. That is no longer available.

I think it's so well worth the expense. So long as you can continue to afford it obviously will have to see what future years hold a lot of these policies have been adjusting just because of the rising cost of healthcare. Hopefully a lot of that is already going to be priced in.

After the next couple years and you won't see the dramatic increases. But if it's not a burden. I think of the benefits of having it offsetting that major risk moving forward is something that you will really enjoy. If you need it and I realize it's hard to write a check for something that you don't know if you're going to use but just keep in mind having that piece of mind to know that those bills will be covered if and when they're needed is a big deal and hopefully what you will see Linda's that in the future we won't see the increases quite so dramatic, so if it were me, I'd probably stay with it. Know that you have something that will be incredibly valuable to you if you needed down the road that make sense. Lots of options options. I would be the last. But it would not mean that cover everything. This I guess really continue to stay with it and I think I will not get it anymore. That's exactly right. Do you have a long-term care insurance agent that you could go back to could perhaps help you run some analysis on the options that you have available to you. A suggestion Edward challenge and I guess I can talk to somebody there. I probably have that and you know if you feel better about just keeping the full benefits I'd probably do that but it doesn't hurt to have somebody just walk through the options with you to see if perhaps by taking a slightly reduced benefit.

You could save quite a bit of money, especially become if it becomes cost prohibitive and that were the only option you had versus dropping the policy in its entirety. Certainly you could dial it back at some point if you need to, but I think at this point. Stick with that. You be glad you have it down the road if you need that. We appreciate you thinking of us, Lord bless you folks exited along with much more to come on moneywise like your question, I love to hear from here's number 806 of the skills but 800-525-7000. I was given a share of 800 557 joined us today for moneywise play God's word decisions taking your calls and questions today is a number 800-525-7000 805 two 5000.

Let's get right back to the phones, Indianapolis, Indiana David, thank you for your call today. I can help your mortgage and world 3.5% rate and we could save a point, but we would add a year if we financed what are your thoughts on that. Well, you could very easily turn that 10 year back into a nine year and you can ask the mortgage company to run that amortization schedule to tell you exactly how much extra you'd need to send over and above the monthly payment in order to do that so that would put you headed even playing field in terms of the term, but then you'd enjoy that lower rate for the entire mortgage which would mean less interest paid at one of the big questions though.

David is always the expense. Do you know or do you have a feel for what the costs are going to be on this refi now. Not yet right that's good to be your big piece of this. What's the remaining balance on the mortgage. A little over 107,000. Okay, so I'd be looking for you to spend no more than 2 to 3% of the loan value in expenses so that be two to $3000 at the most. That's going to keep your costs down, which means that that monthly savings that you would have in terms of whatever interest savings you're experiencing with the lower rate would go to offset that. The idea being that after two or three years.

You paid that off and then the remainder of the mortgage you enjoy that to lower interest rate and thereby total interest paid would be down over the life of the loan. So I think the key would be to make sure that you get that full percentage point savings. Make sure that you don't spend more than 2 to 3% to refi.

Make sure you plan to stay in that home for at least 5 to 7 years and then I think at that point you want to look to what can you send extra each month or each year in order to match that existing term so we don't lengthen that term at all. Go beyond what you're currently at today. Does that make sense absolutely okay listen now.

All the best to you, I think you're on the right track here and glad you're counting the cost. One final thing, make sure you get at least 2 to 3 competitive bids before you select the mortgage that you're going to use for the refi I go to bank rate.com. A lot of the online banks depending upon who has more money to lend at any given time will offer some of the most competitive terms and rates available so bank rate.com would be a great place for you to find a couple of lenders to also entertain an offer for you as you look to refi and we wish you all the best in the days ahead to Spokane, Washington Lisa, thank you for your call today.

How can I help you I know you going 57 years old I got you savings you IRA IRA but not having prepared for retirement.

How can I start with retirement. Now that I have a full-time job. Yes. Sorry to hear about your divorce lease. I think the key for you as you think about your financial future. Moving forward is to recognize God is the owner you're the manager.

The question is what is it look like to be found faithful in God's word has a lot to say on this topic. I want to send you a copy of a book called your money counts for my good friend Howard Dayton that will really give you just a strong understanding of not only God's truth and his promises that we can depend on. Because he is our provider but also the practical how-to's.

Based on Scripture how we can manage money. The idea that we should live on less than we earn we should avoid the use of dad what it looks like to have margin in our financial life or savings. We should have some long-term goals and that we should give generously if we do those five things and live simply and hold God's resources loosely. It's amazing what he will do it for faithful. I think the key for you as you think about putting money away for retirement is obviously to start with that spending plan you've gotta be able to live on or well within your means and do it in such a way that you have margin so that you can begin contributing for the long term. Do you have a retirement plan available at work that you could use yet be available to me. After a year so Dave will have a 401(k) so I'd like to be aggressive about saving the you know I need I need I need to do this and how close are you to being able to contribute help a friend of that year.

Are you right now all I got.

I just got a full-time job because I just got my divorce just finalized this year okay in March and you don't have the option to contribute. It's not just that you're waiting for some matching you can't contribute at all until the years upset right.

I'm sorry I do. Matching will be after year.401(k) after 90 day gotcha okay so I would start there. Set a goal to put away 10 to 15% of your pay into that account do that every month and I would check with the plan administrator get you to give you some advice on the best investment options for you to choose from.

Based on your age, goals and objectives.

There's probably a lifestyle fund that will match the investments to your age and your retirement time horizon.

The key is just to get that money going and systematically every month so I start that right away that salary deferral going and then you have the line will get your information to get that book your money counts right back to your joining us today for moneywise live for God's word is applied to today's financial decisions and choices.

This is the program we recognize God owns it all. Therefore, we are stewards or managers money then becomes a tool to accomplish God's purpose.

Here's the big idea money is a means to an it's not in in in and of itself, but will may recognize that it's most affected when it's a means to something other than ourselves, meaning we become generous and hold God's money loosely while we experience the real joy and blessing of them found faithful in being a conduit into God's activity money in my experience over many years I've found is one of the key ways. Her finances are one of the key ways that God shapes our spiritual journey of the late Larry Burket used to say money is the clearest indicator or the way we handle it is the clearest indicator into what's going on in our lives spiritually. It's a barometer of sorts that says where we placed our trust in what we value. The question is, what story does your money tell and if you need to make a change. What changes are those what we want to do that together based on God's word and the principles we find in Scripture will do that together when you call 800-525-7000. Let's go right back to the phones, Palm Beach, Florida hello Suzanne, thank you for your call today with thank you, will you, honey all about money you and showing you you can actually get anything.

Yes. Well, I appreciate your kind remarks on the program and I appreciate you asking this question because this is something that's becoming quite popular especially on the Internet you'll see a lot of YouTube videos about it velocity banking.

Basically it's a strategy where you use a line of credit as your primary account and you use lump sums to pay off the loan. Usually a mortgage, so the ideas behind behind this is that using a line of credit will help you use your cash flow your income and any extra money that you have sitting in your accounts to cover your expenses but also go toward paying off your mortgage. I'm not a big fan.

I just don't think using debt to pay off debt makes a lot of sense. Number one, number two, it often involves expensive software on the front end so you have quite a bit of an investment. There's a good bit of risk in it, in that you've gotta have a good bit of free cash flow to make it all work and if you were to have a blip in the radar. In terms of the loss of a job or an income reduction it could create a real hardship.

I think it's more complicated just in terms of keeping track of it, which is why you need the expensive software in the first place. I like to keep things simple I think that you know often you'll be encouraged to use up all of your emergency funds and yes you can borrow it back.

But keep in mind the bank lines can close or be reduced based on what the bank wants to do and so I think that you know if it were me I would encourage you just to stay with the traditional mortgage we got very, very low interest rates right now and if you have free cash flow above your emergency savings.

Let's use that to prepay the mortgage. Perhaps I get on a biweekly plan. Make 1/2 payment every two weeks which result in one full extra payment a year or just try to send a few hundred dollars extra each month.

Those kinds of things can dramatically reduce the overall length of the mortgage without you having to go through some sort of complicated process like this velocity banking so if it were me because of the complexity, the cost because of some of the inherent risks of what it takes to keep this going. Once you start it. I just think it's not for me and I'd encourage you to pass. Does that make sense though well year suites is that it may the Lord bless you bye-bye appreciate your call today onto the plains, Illinois Peggy, thank you for your patience. I can help you fight for job. I'm thinking three or three year up to let out open PIA work automatically on amount that might start so I was thinking with it. I will increase in pay activity at TIAA that are bad for something that's already well this is a great option that you have with this salary deferral into a retirement account at TIAA-CREF, you should be able to adjust that anytime it's probably a fixed amount that's going in. It could be a percentage, but which would obviously increase as your pay increases, but it is likely a fixed amount.

So I would just contact your HR department. Tell them that you'd like to increase the salary deferral going into your retirement account and as a goal apart from some planning with the competent financial planning professional who could run some analysis on your current retirement savings versus what your ultimate goal should be. That would give you very specific target.

I would be looking to put away 10 to 15% Peggy of your take-home pay into this TI AA Chris account.

If you can. That would just be a goal for you to perhaps look toward. But again, if you'd want greater peace of mind where you understand how are you doing versus what you're ultimately going to need to cover your expenses in retirement.

I encourage you to connect with a certified kingdom advisor there in Illinois. Somebody who can run some analysis look at to what your expenses are what they're projected to be in retirement.

What you might expect from Social Security how much you're on track to save in this TIAA-CREF account. Look at any other retirement assets that you have and do an analysis on what your income might be in that season of life and then you can compare that to the current trajectory, which will tell you whether you're on track ahead or behind, and I think give you some peace of mind to know you have a plan and you know ultimately what that target is if you don't have the financial planning professional like that you could go to our website moneywise live.org just click find a CK and I think you could get connected there. This would be somebody would pay for just for their time, not an ongoing expense to do that planning for this that make sense. Very good 10 to 15 target 10 to 15% target should be a great number for you to think about in the near term, apart from doing some more detailed planning. We appreciate your call. Folks were to take one more break. We come back we'll have time for a few more calls will talk to Roland in Hanover Park Illinois will talk to Melinda in Muncie, Indiana and Crosby Minnesota and perhaps your call 800-525-7000. This is moneywise live God's word intersects with your Rob West to come just so grateful you joined us today for moneywise live on West to hear calls and questions lead right back to the folks here just a moment but first remind you if you haven't downloaded the moneywise that you can do so is downloading your app store said to the Apple App Store the Google play store. There's also a web app@app.moneywise.org.

Just search for moneywise biblical finance and you can take this show with you on the go. You can track your expenses reader great content articles, podcasts and videos. You can also connect with the moneywise community where you'll get answers to your questions for moneywise coaches it's all the moneywise out to search for moneywise biblical finance in your app store. Just a moment will talk to Devon, Roland, but first to Muncie, Indiana hello Melinda thank you for your patience.

I believe you have a comment on a previous call, I found a $4000.40 white hair. I'm not sure my three yearly, very reasonable weekend cat but my in-laws and extended care for over two year average $5000 a month minimum that with the get caught. I wish we had had that available for them well and I think that's good word Melinda and she had been through it with her husband so she knows that how expensive it can be a mean as you know it can be 7080 $90,000 a year depending upon the level of care that you need to have assisted living or in-home care, and to be able to spend 4000 year. It's a lot of money, but if you can fit it into the budget to be able to have that cost offset. It makes a lot of sense. I think for many folks, and this was certainly our callers case seeing those increases can be alarming just to think you know if it's going to go up 25% year. Is this something that's actually sustainable so we got a monitor that you one rule of thumb that I believe the national Association of insurance commissioners suggest is that you target.

Perhaps no more than 7% of your income on premiums like this so that would be a rule of thumb, but at the end of the day if you can fit it in the budget. Clearly you're offsetting what could be and would most likely be one of the largest expenses you'll have that could absolutely erode your assets in the season of life. So if you can afford it and you've got a good policy that has good coverage. I would say absolutely Melinda stick with it and we appreciate you affirming that today I am weighing in with your personal experience.

Thanks for your call to Hanover Park, Illinois Roland, thank you for your patience, or how can help. Thank you for your program. I want to remodel my bathroom but God need remodeling. I lived in a house 30 years and down it shows that parts were not planning on moving anytime soon… At night for price tag and $4000 but that the labor except like to get all the hardware for the bathroom. How much my reserve.

Would you recommend taking all of you when I can get right out of our available cash and pay for very good. Well, the cost certainly sounds reasonable, given what you're describing here are you going to hire a labor to do this for you or are you can do some of it yourself not at the LA for a contractor I can do it all very good and that you said 4000+ the cost of the actual hardware and fixtures and so forth and tell me about the savings that you have Roland with this becoming out of your emergency savings and if so how much of you saved up there in $22,000 and and there there and made emergency and that's where my go to find God for whatever happened in light like I give you one thing that happened in $13,000 in dental that we have put on a two year 0% care credit card okay and are you paying on that monthly yet okay very good so is that kindly out of the 22,000. Are you paying that monthly cash flow not that outcast.

Okay. And when you get to the point where that 0% runs out, will you have it paid off on your current trajectory, it will be paid off on the contract. Contract trajectory okay very good and what you estimate your total monthly expenses to be Roland. All I know that you loaded question I give me your best get my probably around who I let let your present card not including the cart that your present I make up Laurel. I got your present card and they all will be paid off for a lap boy to go percent off all of our lack. The other two are used help family members.

We are probably somewhere in the neighborhood that let me state. Are you including giving in that extent, yet with in their faith somewhere in the neighborhood around $5000. Okay, so you've got about four months worth of expenses saved up at this point and how much over and above the 4000 and labor cost you think you need to spend on the bathroom $1500 okay so let's say it ends up costing you 6000 and so you can have to pull six out of the 22, which would leave you 16,000, you'd still have three months expenses. After all this was said and done, and ideally, you should be able to replenish that over time are you adding anything to savings only in a given month. Right now I want to take. I like to write a card okay I have my BA check which I guess monthly added being directly sent to Edward Jones and out of that comes my monthly getting and so whatever remains estate and Edward Jones. Okay here's my best advice and and I appreciate all that background, I think number one, you're doing a great job. I love the fact you said you're getting to family members. I love the fact that you're prioritizing your giving to the Lord. I love the fact you want to invest in your home and you want to do it out of cash flow or out of savings as opposed to borrowing you do a lot of things right. I would just encourage you to do a couple things number one really dial into that spending plan and let's try to get out of the habit of using those 0% credit cards. Let's fun things out of current cash flow number two. I think as long as you don't dip below three months worth of expenses in that emergency fund. I would absolutely proceed with the bathroom. If you're gonna plan to stay in this home. You can enjoy this something that set you've said is needed to be done for a long time. You have the ability to fund it, and that I think the key would be really make a focus to try to replenish what you pull out over time as you're able, but you sound like a wonderful man Roland think you and your wife are doing a great job and I would say it makes sense to me for you to proceed based on the plan you just describe.

So thank you for your call today for all that background may the Lord bless you, but said to Crosby, Minnesota Deb, thanks for your patience. I can help you like to enjoy our program. Should I trust.

Yeah, tell me a little about your situation. Do you have significant real estate assets or do you have any specific instructions on how and when you want your estate to be distributed among your heirs. That might require a trust for that to be done not just a death but perhaps extended over time, beyond your life based on certain triggering factors have anything like that going on. No, my guy and left alone. Something happens to me. I want to protect the house and when I do what I want to do okay how do you want the house to be passed after you and your husband passed away on the children.

But my mobile if I have to going to hold on. I see your wanting to do it just from a Medicaid standpoint in terms of being able to get assistance from 29 right and so skill on get concerned because they talk about analyzing age going to hope. Yes, okay, what I would do. Do you have an estate planning attorney that you trust the godly man or woman who has some understanding of eldercare and estate planning that could walk you through all of this will okay. And did you get the advice you are looking for him while he went to what could happen on your future and how you want to handle your estate home which is paid for, note that we tied down classical okay well I would schedule an in person visit with either this estate planning attorney, or perhaps you could connect with a certified kingdom advisor in your area and ask for referral.

I think the key is that you really need somebody to help you navigate and understand what's going to happen after death.

Make sure you have the right documents in place of your wishes are carried out and understand if your husband predeceases you the implications of you going into assisted living or nursing home.

All of that can be explained.

I think it will be well worth the time and expense so I schedule that physically appreciate your call today.

Let us know how it turns out moneywise. I was a partnership between Moody radio and moneywise media unfortunately were all out of time today to do it again tomorrow.

I hope you'll join us. May the Lord bless you see that