Disowning Abortion

This is Damon Baxter and I serve as business development director for MIDI radio. The only reason were able to spread the gospel of Jesus Christ on the radio is because of financial support from listeners like you. We also have businesses support us to like United States mortgage faith and family is at their core, it's why they choose to be such a close partner with our station is why they specifically advertise on Christian radio stations across the country. It's wife, father and son, John and Ryan still lead the company to this day. Check out United faith mortgage and the direct lender advantage@unitedfaithmortgage.com thanks to you and to United faith mortgage for supporting beauty radio United faith mortgage is a DBA of United mortgage Corp. 25 Belleville Park Rd., Melville, 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. This is Damon Baxter and I serve as business development director for MIDI radio. The only reason were able to spread the gospel of Jesus Christ on the radio is because of financial support from listeners like you. We also have businesses support us to like United States mortgage faith and family is at their core, it's why they choose to be such a close partner with our station is why they specifically advertise on Christian radio stations across the country. It's wife, father and son, John and Ryan still lead the company to this day.

Check out United faith mortgage and their direct lender advantage@unitedfaithmortgage.com thanks to you and to United faith mortgage for supporting beauty radio United faith mortgage is a DBA of United mortgage Corp. 25 Belleville Park Rd., Melville, 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 worlds been at war with God's kingdom since the fall.

The newest battleground is investing do you know which side you're on. By Rob West. Too many Christians are unintentionally funding the other side today. I'll talk with Robert Metz Lee about realigning your portfolio to do kingdom work specifically in the area of abortion, but it's all your calls at 800-525-7000. That's 800-525-7000. This is moneywise live with a list of your financial decisions. Well, it's always a pleasure to welcome her friend Robert Metz Lee back to the program. Roberts, the CEO of inspire investing an underwriter of moneywise live. You might think of them as our intelligence unit for keeping track of what the other side is up to and helping us plan strategy for winning the war of values based investing Robert great to have you back with us.

I am always pleased to be a really rotten grantmaking.

Absolutely Robert, I know you've been following the controversy over the Texas heartbeat bill but specifically through the lens of companies that support the pro-abortion side, but what can you tell us heartbeat bill directly ban abortion as early as six weeks of putting a major dent in or connected desires to have abortion very late in the term and not obligated to the laws of the pro-life side are celebrating legislation. There have been two companies yelled lift field workers, others who have come out in opposition of this law and trying to lobby the legislators could be to overturn the law and following that is that investors and collect investors biblical investors and that generally can't. You engaged in the company pushing on that little bed and wondering why they would take such a stance on issues such as abortion, let's talk about that because obviously he is a part of your work you've been doing quite a bit of corporate engagements in your opinion, why do companies that have nothing to do with abortion come out publicly opposing something like a pro-life legislation in the Texas bill yeah I don't really make it on the circuit time.

You might, you know, you might consider an abortion drug manufacturer in a likely candidate to oppose that legislation, but yelp lift field for Patagonia. I needed some the companies that are signed on to the so-called don't ban equality in Texas statement trying to overturn that legislation and it doesn't really line up with their business. When you read the statements from their CEOs like Mark Benioff with salesforce and others they idiotically are coming from a personal far left perspective on politics and what they consider to be equal rights and then think of that nature, but it's really diametrically opposed to a lot of their employees their employee resource groups focus are actually working in their establishment in Texas who are in support of this bill and so one of the more curious part of this is that companies like salesforce who have recently moved out of downtown Tampa Cisco effectively and disperse into places like Texas for improved business environment because of the conservative policies and you know everything that goes along with these more family-friendly business friendly policies are now in Texas and they're now complaining about it being so conservative answering the lobby for the thing like abortion when they could come back to California so didn't really make much sense that they left a very liberal progressive environment because it was basically bad for business drawn to places like Texas, Florida, Idaho, and now trying to lobby make that just another California doesn't really make any sense for business perspective, and that's the kind of communication were trying to have with these companies and and I hope we get a little common sense in conversation. Happy to talk more about that after the break.

And that's a key conversation with these companies that looks like corporate engagement. You as an owner have the opportunity to do that will talk about how you can respond much more just around the corner. Robert naturally CEO of inspire investing as our guest for the second. This is moneywise live in will be back with much more stimulus back to moneywise live our guest today is Robert.

Naturally, CEO of inspire investing in underwriter this program and you can learn more@inspireinvesting.com were talking today about corporate engagement. Specifically, companies that have been outspoken in their opposition to the Texas heartbeat bill which effectively bans abortions after as early as six weeks.

Robert you mentioned a few of the companies that have been cut out front in their opposition, and perhaps why they might do that even though their businesses have nothing to do with this topic let's talk for a moment about our response. How can we as investors respond to these companies and what's important for us to know the question right because it's easy to complain or gripe you know and try to stop the world on an armchair, but really the role of Christians right it to be salt and light in the world and we need to not just talk about things that we need to engage with the world around it in a way that glorifies Christ help help people see the light of Christ ultimately entered investors. We tried it exactly that and there's a couple ways that we can respond and engage with these companies. I think that the first knee-jerk reaction that people have insisted now that I don't like that company not to shop there anymore and there's a time and a place for that.

However, it may not be the most effective at getting the company to actually change anything.

The other way as an investor is to reach out and engage at eight as a shareholder. These companies have investor relations department with people whose full-time job is to take phone calls and emails from people like you who own shares or possibly might want to own shares at the company were to listen to your opinion and so at inspire investing. We do a lot of shareholder engagement, and specifically around the Texas beat Bill. You know what is freaking out on on phone calls and emails to better relations and were asking them about why they made the decision to sign on to this. You know, don't ban equality in Texas statement in opposition of the heartbeat bill hear them out.

Whatever the answer may be, and then we do seek to provide some common sense response provide some feedback from the faith-based investor population. You know, we understand that they may have certain political views that there are used to having and policy in you know in their headquarters in Tampa Cisco.

However, when the document Texas made it past this lawn has nothing to do with their business and do as as faith-based investors we actually are in favor of that law and would like the company to invest into not oppose things that are important and would like the company to consider our point of view as faith-based investors and often times companies are very open to having conversations and more receptive than you might think we had success stories that over the past years gotten gracious to get us were hopeful for more, particularly in this case with the heartbeat bill and because we prayerfully reach out and whether the company listens or not.

Our job is to be faithful and to be the voice of grace and truth in operations. That's right.

And as you said, as owners of these companies, every one of our listeners who perhaps on some of the names you mentioned, and others have the opportunity to express their values to investor relations. Let's talk more broadly about the abortion industry and how it can find its way into our investments.

Robert can you give us some examples absolutely and could start eating its way to go to inspire and fight.com and search your mutual funds are assembled of your stock and we made it very easy to see there's exposure to the abortion industry and there's several ways that company can be involved in abortion abortion drug manufacturing. Of course, comes to mind. The very straightforward option and however there's also facilities that perform abortions of for-profit hospitals or medical clinics, sometimes real estate investment trust unit on the buildings would have exposure to that that industry companies can also be involved in legislation and promotion of the talking about here with the heartbeat bill. The company that makes tennis shoes have nothing to do with the abortion industry. However they choose to support legislation or opposed legislation, public legislation, in this case that that's an option either not the philanthropy. The company that donates money to Planned Parenthood or what have you in the biotech companies and research companies that may use embryonic stem cells or in similar stem cell lines in their research that is implicated in the abortion industry for a lot of different ways and can be very difficult to look into your mutual fund manually and get it figured out what is why he made inspire insight.com available in pre-type in a ticker symbol and then look for abortion" button and you can see all the nitty-gritty details of what the company to you on your mutual fund your 401(k) or IRA. What have you are doing from a values-based perspective and then you can reach out and engage companies or take other action as you see fit. Inspire insight.com. It's a great free tool.

Beyond that, just arming yourself with the information Robert. How else can investors, faith-based investors go on the offensive will you know it really is. Start with knowing what you and realizing that your steward of God resources and taking that seriously right in your mouth that have no idea if we endlessly looked into a site like inspire insight.com before and so really knowing what you own is the be first and foremost the most important part of the process. Once you understand what in your portfolio. Good, bad and ugly then you can take the steps like engagement or you may choose to sell that investment, and by different investment. It's more in line with the double values.

You can also tell other people about it that's that's a big one. More people need to have its awareness that there are all sorts of you know, potentially nasty things lurking in the portfolio that they kind of art are clueless and in less companies start to realize that the investing public cares, and that you going to make investing decisions based on their deeply held faith-based values are not a lot to change without that widespread awareness and we are seeing this explosion of the biblical responsible faith-based investing movement right now are so many people becoming more aware every day and you can be part of that movement. Despite sharing the story with a friend. No sharing inspire insight.com with your friends on getting the word out and other treatment method that really the crux is awareness and helping other people become more aware of the bottom line is you really can make a difference in rubber you shared in previous broadcasts of incredible success stories and Lord willing, will be many more had the we can unpack. Thanks for stopping by today great information.

Thank the Academy my pleasure governmentally sealed inspire investing is been our guest today you can get more information@inspireinvesting.com or their sister site for evaluating companies inspire insight.com. This is moneywise live will be back with much more after this they witness and thanks for joining us today is moneywise live your decision from West Coast ledger along with us today just moment will turn our attention to your calls and questions. Here's the number with lines open 800-525-7000. That's 800-525-7000. We started today by talking about faith-based investing in exciting and growing segment of the investment landscape whether your convictions align with avoiding companies that are misaligned with your values or embracing companies specifically doing a kingdom work. Or, perhaps, says Robert Nestlé was talking about today advocating using your company ownership as an investor. As an owner of a share or more of a particular company to express your values to investor relations, and ultimately to the leadership of that company. We'd love for you to explore this in exciting area of investing inspire investing.com praxis mutual funds.com Eventide investments would be great to look at these explore them and decide how perhaps you want to be a part of faith-based investing and will continue to talk more about it in the days ahead artwork and head to the phones 800-525-7000 with your questions on anything financial we begin today in Pennsylvania. Mary, thank you for your patience can help you on company's 401(k) through Vanguard about making sure that 401(k) match my Christian diet I can dictate when I got to fire Frank hairnet on that was not aware of which companies are being supported with my 401(k) contribution, shuttering thinking that my 401(k) money could be used if the court abortion, especially abortion, alcohol, tobacco, things like that that I would never want to support the research through Vanguard's website. The information he provided was rather general and did not like the pics Dr. company calling the customer service line and contain the name he gave me an amp material pamphlet equally as confusing and big and moved my entire balance to money market funds handles investment.

It was the best option. Considering my concern because Damien backing U.S. Treasury on that. I don't know if that's the most financially why think you get my question would be on if there is a better option is currently planned and how to determine where the money is actually going or if there's a better option for investing entirely, but I appreciate Mary where you're adding your desire to be found faithful. As a steward and obviously you have the conviction around this related to the investment positions you're taking and what's behind those companies. Both are primary business activities were perhaps even how they're using their corporate profits.

A couple of thoughts number one would be to gain more insight into what companies you actually own. There is a great free tool out there and it's actually been designed and built by the gentlemen's company. We just had on earlier today, Robert Nestlé, you'll find it@inspireinsight.com inspire insight.com.

You'll be able to type in the ticker symbols of any of those mutual funds that you own and see a listing of the companies in them and then as you click further into those companies you can get the inspire insight score which would give you a sense of know how they stack up in terms of the issues that would be most important to believers in terms of their values and you can then make a decision as to whether or not you're comfortable with those holdings.

Beyond that, what you might want to do is think about the other option which is advocacy. So as you own any of these companies. Whether that's your mutual fund ownership or direct ownership. You have the ability to express your values through your proxy voting, but also contacting investor relations and letting them know that perhaps things they're doing are misaligned with your values and you have concerns about that, as a shareholder, they'll absolutely hear you out and I can tell you that if more more believers would do that we would be able to have a pretty significant impact. I think in addition to that, Mary. I would be looking for particular investment families inside your 401(k) that are specifically faith-based investments so I mentioned a few of them earlier. For instance, Eventide would be a great one. The Eventide fund family.

You'll find them@investeventide.com there specifically designing funds that not only are screening out the kinds of companies you're talking about, but screening in companies that are making an impact in the world and in specifically a kingdom impact praxis mutual funds would be another fun family.

The inspire ETF's exchange. Traded funds would be a great example of what you're describing here and and there are others, so I think that's kind of perhaps your next step is to look at what funds you have available where you can rely on those fund managers to both select the companies that you're looking for and to advocate on your behalf.

As a shareholder to express your Christian values. So I would perhaps take that as your next step to both learn about the funds that you have your inspire insight.com and that specifically seek out some of those fun families. I mentioned that I think would be a lot more well absolutely would be aligned with your faith does all that make sense so yeah okay you're welcome us and keep us updated on this journey Mary because I'm confident that you'll find some investments that can give you both a phenomenal return so you can compound this money over time. But where you can feel really good that you are following your convictions and allowing your values to be reflected in your investments. We appreciate your listening and calling today 800-525-7000 is another call we got some lines open got just about a minute before next break Mike here in Alabama.

How can I help you sir 401(k) rollover. Is there a way to strictly dividend producing companies are David and classroom companies and just taking the monthly dividends off of the top leaving the principal.

Yes, the question would be the tax implications of that. What is your age. Mike 59 usually come to look at it downright okay very good yeah you can invest the rollover IRA and really any stock, bond, mutual fund, so I would look@soundmindinvesting.org for some suggestions through there's online investing newsletter.

You can pick ETF's mutual funds or direct stocks that are dividend focused use down the line. We'll talk a bit more off the air and working to pause for a brief break. This is moneywise live biblical wisdom for your financial decision.

Thanks for joining us today on moneywise live biblical wisdom for your decisions around Western those particular calls and questions on anything financial would love to hear from you what's on your mind today give us a call 800-525-7000 800-525-7000. Whether it's saving for investing.

Perhaps it's your credit score paying down the debt, whatever it might be. We love to hear from you. 800-525-7000. Let's head to Houston, Texas John, thank you for calling today sir, how can I help you get a good afternoon.

I would like to know what scholarships out there for single parent single parent. Are there any particular scholarships that would that would be able you're looking specifically obviously for undergraduate scholarships is that right yes undergraduate yes yeah you know there are so many today and in many of them do focus on a particular segments of the population and so I would actually go to work on that. You know, really a great starting point would just be to go to Amazon.com and look for some of the handbooks that are out there that are published every year with the latest scholarship information Bill do a deep dive into all of the scholarships that are available. Who qualifies for them. How much is needed and it's updated every year and there's some wonderful resources out there that can help you dial into the particular scholarships that would be most applicable to you, so that would be my starting place is to find a great resource like that in using the user ratings you can find out which ones have been most highly rated and therefore have some really quality information. Beyond that, you could look at the financial aid office at the college or school you're talking to a high school counselor would be great. US Department of Labor's free scholarship search tool would be another resource you could take advantage of and then obviously you could also visit your library. If you didn't want to buy one of these books and perhaps check out out one of these scholarship resources in your local library.

I think the key here is to really do your homework.

Spend the time.

I've said this before you know my wife that I was able to get over $100,000 in scholarships.

Single parent home, and really the key for her was she and her mom and her sisters turn the living room into a scholarship factory researching and applying for scholarships and grants and it paid off and I think you know that's the key for so many folks is to be able to spend the time so you can see the results of John you check that out. Let's see what you find and keep us posted on your progress. We appreciate you checking in with us today. 800-525-7000.

Neil is in Joliet, Illinois. Go ahead like call my wife Lance will double you double your complete savings bonds that are about 30 years old and mature, more trying to figure all of the Doolittle motor renewal trainer man used to be. You want the Federal Reserve Bank but I don't know if you still have to and how do you go about changing the status on the yes well I think I probably would because you know were talking about a pretty meager amount to that. These are typically yielding yelp.

I'm thinking annual rate of .1% which you can do better than that in the high-yield savings account lease get up to .5 at your local bank could redeem these. I'd start though a treasury direct.gov or you can exit put in the CUSIP numbers and find out exactly what these bonds are worth and then use that to to go from there you can also calculate the interest and therefore the taxes that need to be set aside on any earnings that you have but I'd rather than rolling these overs probably take these redeem them and look for a better place, depending upon your timeframe. If you know this is money you need to just protect because it's less than five years. You can look at a high yield savings account like Ally Bank or Marcus if you have a longer time horizon, then obviously you could put that to work in stock, bonds or mutual funds, but I think the key is. Let's start to figure out what you have what's it worth what is a good take to redeem it.

What taxes need to be paid on that and then they go from there. And again, that website treasury direct.gov and we appreciate your call today to Macedonia, Ohio hi Leon, how can I help you sir, all postponing on the theme of faithfully conducting Lord values based investing thinking as a strategy. Would it be wise to put long-term investments into several local small businesses were in the able to talk to the owners and their values and intentions directly versus a diversified portfolio of stocks or other yeah you know you certainly could. Leon and the only concern about that is number one just how much risk are you taking you with small businesses. Obviously you know you're more highly concentrated as opposed to being diversified and we know 80% of new small businesses are going to fail and so that's a concern there typically very ill liquid so that's another concern just in terms of your ability to get your capital back out now. The benefit is your supporting a local business, which I absolutely agree with the secondly as you said you could have no greater access to their values and practices to know what it is your supporting but I think with the new faith based investing landscape that's emerging.

Leon, you can have the best of both worlds. Were you investing in world-class investments that are award-winning with phenomenal returns. But where you have the liquidity of being able to sell out of a mutual fund each day and where you knowing that the companies are specifically selected, not just for the merits of the business, but also the fact that they're making a social or kingdom impact and you know with a lot of transparency. In fact, praxis, mutual funds, one of the fun families.

That's an underwriter of this program is just recently came out with their praxis impact report where you can actually read the stories of the investments that they've made and the impact that it's had in people's lives here in the United States in and around the world. So perhaps you know that's an option you should at least consider because again, you'll be much more diversified. You'll have that liquidity and you will know that your dollars are making an impact at the same time to set make sense to you absolute thank you very much I really appreciate it absolutely checkouts invest Eventide.com inspire investing and praxis mutual funds and I think you'll find what you're looking for on to West Palm Beach, Florida hi Deeann, how can help you being D and I misread that that was my fault. I'm sorry go read it all. I am not quite sure how to work I just want to get there some tool to protect our state your intentions or something like a living trust without having gone through the whole process yet were taking a trip in a couple of days we don't have met with an attorney to create the living trust yet but if something were to happen on a trip.

We spent something in motion so that our intentions would be honored anyway. The key deed is to make sure you have a valid will, in place, you wouldn't be able to establish a trust and funded.

In time, but the will would at least make sure that the next steward is chosen, and you can pass your assets without the probate court making those decisions for you. In the absence of visiting with an attorney there some great online tools that will help you do that and free of cost. You stay on the line will talk about that much more money wise line you got some lines open 800-525-7000.

This is biblical wisdom. Rob West moneywise live. Thanks for joining us today. Rob West you host taking your calls and questions on anything financial. Applying the truth of God's word to your financial decision so you can with confidence here in this program we recognize that money issues are hard issues. At the end of the day, the way we handle our money is one of the clearest indicators into what we value, where we placed our trust. The question is, what story does our money management tell are we holding everything loosely living with contentment and giving generously recognizing that we have an abundance before the first dollar we have a Savior that has been provided for us. God himself can send his son to die to pay the penalty for our sins that we might be reconciled to him and have life and we place our trust in Jesus, we can know that we been the cleansed of those sins that separate us from the father will that in it of itself is enough to recognize that we have an abundance and we are then charged with being found faithful with managing God's resources.

The good news is the Bible is chock full of wisdom on how we can manage God's money, more than 2300 verses and will try to apply those principles to what you're doing with today. Let's head back to the phones to Rome, Georgia hi Pam, thank you for holding.

How can we help you sure I work. I can't bear well.

One years time.

Yes, so yeah so you can roll the TSP account into another tax-deferred vehicle. So what is the Tia craft account. Is that still there. Are you actively contributing to that building on anything now okay but that one came from the previous employer college where I worked at okay very good. Yeah so all of these both the TSP account and the TI AA craft account was established through that college can both be rolled out to a rollover IRA and then those funds would be a put together at that point you could then hire an investment advisor to manage that for you and then select the investments on your behalf with your goals and objectives in mind that's probably what I would recommend what would be the value of those two accounts once they put together in my night AA okay very good so obviously you've amassed quite a bit there and that's where I think again having some professional expertise to make those buy and sell decisions for you makes a lot of sense of I would visit next with a couple of certified kingdom advisors there in your area.

You can go to our website moneywise live.org click find ACK I'd interviewed two or three and then once you select an advisor, that's the direction you go, then he or she would be able to open the account. The new IRA and then help you initiate the rollovers for the TSP and the Tia craft account and then once the funds are deposited then they would be invested. That would not be a taxable event because you're not withdrawing anything from those tax-deferred accounts and then that money could be invested at that point right yeah go to moneywise live.org and click the button says find ACK that stands for certified kingdom advisor. This is going to be a professional investment advisor in your area pan that also has been trained to bring biblically wise financial advisor would align with your values as a Christian time.

We appreciate your call today to Bermuda hi Marlene, how can I help thank you much for taking my call and ball and get going early here and there are four night night out Mina my brother pains were coming to the ancient trying to determine what the market think again with that at that. I'd like to keep it light delete payment like air care, like your whole dying file cashing out now like to cash out three year with them because they would come of age are well and that it that wiped away three years articulate out now and protect it like that for years trying out Hank and they can't let names like today and are you wanting to sell out right now. Or did I hear you say you want to hang onto the property. I'd like to hold onto the property and they would like their share at some point but not today. Mike to protect air at that. I what I don't want At 39 trend now like to get it to Dan. Three years now. Well, you know, nobody knows what the future holds. Is it likely that the housing market is valued less three years from now than it is today probably housing market has been an incredible run on the upside, fueled by these very low interest rates, which I believe are headed higher and fueled by largely just supply and demand. There's just not been enough homes in inventory and that's driven up the market, partly due to the pandemic, but also the millennial's are reaching the age whether wanting to have a little more space in their having children and that's because single-family home purchases to rise so as a result of all that we've seen some incredible rises, the national average in terms of how far the housing market is overvalued to some around five or 6% beyond what it to you reasonably should be today, so could we see a decline in the future. It's certainly possible, perhaps even probable. The question is we don't know, and so is now a good time to maximize the value of this asset. I think it is. I think the question is just, you know, are you wanting to go and do that see a lock in that price and you gotta decide you have the ability to buy them out, either through mortgage or cash or because they're wanting to wait your wanting to keep the property anyway.

Could you yell, do you want to just wait and see what happens and then buy them out down the road.

Those are really the two options you're considering is that right, it cash out now and I would be able to hear that but adding to their trust account management for on till they come against our whole dying file and then you have cash out when out you and I agree with you on how to make a valiant lab.

No and I and I I don't want to have that I don't want to have batting that right. I like well I can certainly understand that. I mean, obviously you were talking a good while down the road in three years. So I think you know if you have peace of mind about going and locking and that value now and in paying for it. You know, are you can overpay. Perhaps a little bit but you know I wouldn't be enough to be concerned about and I think it would give you peace of mind to know that you've done the right thing you've locked it in. They maximize the maximize the value of the asset and then it can be managed from this point and you have the home that your wanting to hang onto anyway and so I think you know what I'm hearing in your voices you feel better about doing that now so that down the road if we were in a recession. If the housing market had taken Hedden by the way, I don't think were in a bubble situation, but it would we could see some slight declines over a three-year period just given what we've seen in the last several years if that would give you some angst to feel like you know you've taken advantage of them. Even though I know that's not your heart. Then it sounds like you feel better just doing that now so that everybody's on the same page about we made the decision we locked it in and that we don't have to wonder where the markets headed and whether that was a good decision or bad one part one, three years, I and chuckling with that night. That would be the right thing to get that again. I became grand something there question and not only that, but rental you have to establish a fair market rental price and rents are sky high right now and so just you know for you to feel like you're paying market rates for the rent you're to be paying a premium on that. So you might as well just go and find out the house you take ownership of it which is what you want to do anyway and then let them make their decisions from here on out. Whether you're helping them manage that or they're finding somebody else to do that so I feel like that's the best decision.

Marlene just given what I've heard from you today. I hope that helps you or bless you and make this a matter of prayer asked the Lord to give you some wisdom quickly to Lakeland, Florida Catherine, I just have a few seconds I can help you call really get on board to support I can get a yeah in terms of so he's wanted to invest in crypto currency and financial management at all. Now like somehow uncracked search on and I'm not going anywhere. Sure, well, clearly it's you know the hot commodity coding quote right now because, well, for instance, just today the coin reached a new all-time high. Today there was the launch of the ETF that tracks the futures of bitcoin and so it's one of the rage right now. I just put it in that highly speculative category Catherine that I think is not the steady plotting approach we read about God's word. I take a much more vanilla flavored long-term diversified sample I will talk a bit more of the unfortunately were at a time when he was light as a partnership between Moody radio and moneywise Neil is thinking Amy was a thank you Robert as well. Thank you for being here back and join us tomorrow. Will you see