In God We Trust

You can do anything else with money you have to earn it. Just scriptural counsel and practical advice about earning later will go to the phones for your questions on any topic related to money and stewardship.

Here's the number 800-525-7000 800-525-7000 one Rob West. Thanks for being with us today for moneywise live where we offer biblical wisdom for your financial journey.

Every so often I basic things you can do with money you can earn it, live on it, give it away. You can owe it to someone and you can grow it for the future earn live give. Oh, and grow. Today our focus is earning first, I want to be clear that earning money is a good and godly thing unless it is being done in some way that breaks the law or exploits other people.

Generally speaking, working a job that pays you a wage or owning a business that produces a profit is good. These are God-given means by which we support ourselves and our loved ones have resources to give to churches and other ministries and have money to set aside for our later years, but earning money is not simply a means to various other ends.

The work we do to make our way in the world has value in and of itself. It is through our work that God does a lot of his work of molding our character building our perseverance in sparking the creativity he's put within us is my friend Howard Dean likes to say as the carpenter builds the house, the house builds the carpenter. What we do to earn money shapes us day after day after day, and therefore it is appropriate to ask God to guide our moneymaking tasks and use them to his glory. Now there are downsides to making money both if you make a lot of it. And if your earnings are modest. Let me focus first on those who make a good salary or own a profitable business. Watch out never forget. Deuteronomy 818, which reads, you shall remember the Lord your God, for it is he who is giving you the power to make wealth it's so easy when making good money to think you've accomplished it all yourself.

If you start to feel that way. Here's a suggestion for a dollar bill out of your wallet or a 10 or 20 or whatever and look for the place where it says these words in God we trust. The only reason you have that money is because the very God, who is mentioned on all of your money has given you the power, the creativity, the skills, the network of contacts and so much more to make wealth so humbly thank him for your success.

For those whose earnings are modest. What I want you to do the same thing pull out a dollar coin and find those same words in God we trust in you can pray this prayer were something like it, Lord. It's tough making ends meet sometimes. But I'm trusting you. I believe you are the Lord of all and you will make a way for me now. I can't tell you why some godly people prosper financially and other godly people don't.

That's all wrapped up in the mystery of God's providence, but I can remind you of the words of the apostle Paul. He writes this. Rejoice in the Lord always. I will say it again rejoice. Do not be anxious about anything but in everything by prayer and petition with Thanksgiving present your requests to God and the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.

And then he goes on to say this, I have learned to be content whatever the circumstances, I know what it is to be in need and I know what it is to have plenty. I have learned the secret of being content in any and every situation whether wealth that are hungry, whether living in plenty or in want, I can do all this through him who gives me strength.

Now, don't misunderstand. There is nothing wrong with asking God to provide a better paying job or asking him to help your business succeed. If it's struggling but the size of a paycheck can never be the true source of joy and contentment that source is Jesus alone. So remember, God knows your needs. He knows you need money to live on. Then he will make away and he knows all about the inflationary environment were into his ability to provide is not hampered by the inflation rate. Now if you're one of those people who earns a good living. Asked the Lord how he wants you to make use of what is entrusted to member. It's his money or steward or manager asked the Lord how to use what you learn to advance his purposes in the world. You might not hear an answer right away, but if you ask an obedient faith God will open your eyes. Over time to the needs that you can help again. Whether you have modest earnings are a well-paying situation. Always remember what's written on the money. In God we trust your calls annexed 800-525-7000 one with us today on moneywise live on Rob West euros taking your calls and questions here on anything financial because 800-525-7000 800-525-7000 Brian Hansen managing our phones today would be delighted to have you on the air with us if you want to talk about what God is doing in your financial life as you manage your spending plan your long-term savings.

Maybe it's paying down debt toward dealing with that pesky credit score. Whatever it might be again the number to call with lines open as 800-525-7000. By the way our scripture verse of the week featured in our weekly wisdom. Email is from Proverbs 16 three it reads commit to the Lord whatever you do, and he will establish your plans now.

That's good news from God's word and by the way, if you'd like to receive our weekly digest email of the latest trending financial topics from a biblical perspective well just had our website moneywise.org and click the button that says create your free account to subscribe again moneywise.org and click create your free account are the lines or fill it up.

Let's head to the phone's 800-525-7000 will begin today in Chicago.

Jim, thanks for calling a redhead and I have the four children in three of them are making pretty good money over the summer. They've been caddying. They have several thousand dollars at they've wound up no saving and they don't need that money right away, but they don't need that money and super long term either.

Is there such as a good short-term you know three year type investment thing that'll be better than your normal savings account but good for them. You said you did say the time horizon on this is three years or less. Yes, probably in that range, maybe a little bit longer for one of the younger one maybe 3 to 5 years.

Okay, very good.

Yeah, I mean you for less than five years. Typically would say were not really investing this money just because we would want to be so conservative that it probably doesn't make sense. There is kind of a unique opportunity right now for you that I think you normally is not present because of the liquidity beyond the year and because of the safety and that is I bonds. These inflation bonds we been talking quite a bit about.

Have you heard us describing these and I know I haven't okay so there inflation protected series I bonds issued by the U.S. Treasury.

I mean standing for inflation. It has a fixed component which is near zero but the variable component which address just every six months is pegged to the consumer price index, and you can purchase these bonds in the child's name and you can buy up to $10,000 per person per year, and it would be no federal the subject to federal income taxes.

In most cases, but not state or local taxes, but the nice part about it is currently Jim, these are paying 9.62% which is phenomenal and you've got almost no risk because these are backed by the full faith and credit of the United States government so you would go to the website treasury direct.gov and then to buy in a kids name you would need their full name and Social Security create the account of the treasury direct website login and then you actually make the purchase. And then you deliver the bonds to your what's called the gift box to that person's treasury direct account and they've got a be held for at least 12 months, but after 12 months you can pull them out at any time if you do it in less than five years, you would just give up as a penalty, three months worth of interest, but given the safety and the phenomenal return. I think this would be an unusual time to take some of this money get a good return on it and you know still be able to get back to it in and have it fully liquid. After 12 months as I make sense, great. So what is it website with upper thigh yet so treasury direct.GOP that's the U.S. Treasury's website read by electronic bonds and is pretty self-explanatory. Just click on the series EE bonds are skews me series I bonds. I for inflation and a you open the account. It'll actually walk you through all of the process including the process to purchase these for kids. Okay. All right. Like so much. Sorry, Jim, God bless you my friend 800-525-7000 carries in Missouri carrying a redhead, I'd like that it paid off in Florida. Repair would like to check out an equity loan in order to do this repair.

Our home in Missouri and I'm not sure what would be the better lives to make taking equity out on the one were living in currently or the one in Florida yeah yeah well you certainly could look at both. Did you see the one in Florida is free and clear yet. Yeah, you're likely to get a little better rate on your domicile, your primary residence, but I like the idea of using a home equity loan with a fixed interest rate as opposed to a home equity line of credit which is a variable rate. As rates continue to head out that home-equity line of credit would increase, but as you know how much you want you can take that loan out for the exact amount you want. You know, and at closing and then use that for the for the purpose for which it's intended. I'd prefer you to get it on that home in Florida just so we can keep all of that, there, and you can work toward getting your primary residence, free and clear, but at the end of the day with you having such a small first mortgage on your primary residence, I could go either way. I think it's really a come down where you can get the best rate and that's probably going to be in your primary residence, I would get at least three bids scary for that home-equity loan try to find the one with the lowest fees the best rate and terms. You can use bank rate.com to do that search, you can certainly check with your local bank as well, but I get at least two online lenders into the mix as well so make sense for sure, but very thorough Florida home. It paid off with that is why just leave that probably not tell me about the mortgage that you have remaining on the Missouri home.

How many years left.

What is the interest rate well and it paid on point something so it will boil.

Oh, you know, don't touch that, because couplings you have a number one is the the cost of that home-equity loan is going to be contingent upon the amount your borrowings. If you buy more you borrow more than the fees you're gonna pay on that are to be higher. It's typically a percentage of the amount your borrowing number one and number two, you'd be replacing that low low interest rate mortgage is to be paid off in three years and to have percent was something quite a bit higher north of 5 1/2, probably so that it doesn't make any sense. I'd stay on your current track to pay that off in three years. Keep that low interest rate intact and then figure out which home to put that second home-equity or the second mortgage. Home-equity loan if it's the primary residence you on your existing domicile. Okay thank you very much. You are welcome. Thanks for your call today. The folks were just getting started here a lot more to come on moneywise live all the lines are fully got some great questions coming up so will tackle those just around the corner. Also today, our good friend Bob Dall will stop by in our final segment of the broadcast to weigh in on the markets now S&P and NASDAQ slumping today. The Dow off nearly 2% is 500 and NASDAQ off more than 2% get Bob's take on much blame on the markets and what he is looking at this week. Economically speaking, all that had on moneywise.

I don't go anywhere for joining us today on moneywise live biblical wisdom for your financial decisions and Rob Webster host taking your calls and questions on anything financial 800-525-7000. We have three lines open for whatever's on your mind today are you part of the moneywise community the account on this broadcast them on our website and use the moneywise after you've taken advantage of one of the coaches. Whatever might be. We would invite you to be a financial supporter of the ministry where listener supported is a not-for-profit ministry and we do what we do every day. As a result of your generous support and if you'd consider a gift would certainly be grateful. Just had to our website moneywise.org, click the give button that's moneywise.org and click give. You can be a monthly patron or one time Gabriel find all the ways to give their online thanks in advance Ari back to the phones we go Brandon, Florida Nikki, thanks for going to redhead I am calling I am having to learn to start dating all over again. I'm Panthera I open it to different kind of certificate to my bank right there like short-term light but fix my and Dan like a year but I have a credit card to the Capitoline Landing may be better. I want to marry me in there over 5000 but I don't make enough money how can I be able to start drinking that down even though I'm only paying the minimum. What can I do to China you know Mike about this so much. Yeah, I certainly appreciate the question you know and Nikki so many people listening today can resonate with where you're at. Whether it's regretting decisions we made in the past with finances or just wanting to be more on top of things. Wishing we were out of dad and the flexibility that comes with being unencumbered.

And yeah, what I would tell you is that you can absolutely make that commitment today to say I want to move forward in a way that allows me to be a faithful steward of what God has entrusted to me and so we have to first recognize that God owns it all and where his money managers. That's an important shift in our thinking because it really colors everything we do. If I relies on the money manager cots resources that it causes me to make different decisions at the end of the day and we realize then that money becomes not an end but a means to an end. Really a tool to accomplish God's purposes in your life, which includes enjoying what you have in providing for your family but also aligned with your values saving for goals and giving generously all of the things that I know you would love to be able to do, but it's frustrating when we feel like that financial foundation is not there, and so the question is how do we move forward in a way that allows you to do that and that's really always going to come down to once we recognize God owns it all. The spending plan and so you really are going to need to take the time to get an accurate accounting of what it takes to operate your household on a monthly basis and then needs to include not only the things you get a bill for, but the nonrecurring expenses those things that come up maybe semiannually or annually like an insurance payment or Christmas and then also the discretionary spending those things that you spend, you know, perhaps, out and about whether it's clothing or a coffee shop or entertainment. You know those things that are money fights its way into and once you have all of that, then we gotta do the hard work of making the decision of where were going to cut back because the key for you is margin that is after the bills are paid.

Something left over that allows you to pursue your God-given goals and objectives. Now, specifically with the credit cards and we can actually kill two birds with one stone here after I tell you my solution on the credit cards because the budget will come with it with the credit cards we recommend was called debt management which is not debt consolidation read take out a new loan to pay off the other loans and it's not debt settlement where you let them get you note delinquent and charged often creditors and collectors are calling and you try to negotiate a lower pay off debt management is a program that's Artie in place using a credit counseling agency. In this case, we recommend Christian credit counselors and they leverage programs that are already in place at each of the creditors to get the interest rates reduced dramatically and as a result of one level monthly payment that will fit into your budget and those lower interest rate. You should be able to pay this debt off 80% faster. I think the key though is that it happens month after month, so it's not a quick fix, but that's a good thing because we want to get that built in your budget and then I want you to do the hard work to figure out where else you can cut back so that you have some margin to build up your emergency fund and make sure you're giving and saving for the future may be contributing to a retirement plan something like that but debt management I think is going be the key Nikki to you, actually making some progress with every payment to bringing these credit cards down because of the reasons that I mentioned. Let me stop there and see what thoughts or questions you have and counseling. Yes, it's Christian credit counselors.org they worked with thousands of our moneywise listeners you'll call them or connect with them over the Internet on their website set up a time to meet with you over the phone bill look at all of your credit cards tell you exactly what the new interest rates would be with those particular creditors that you have help you put together a spending plan and then you'll set up one monthly payment that you pay through them to your creditors and with these lower interest rates get this paid off much quicker and I think that will give you the momentum. Perhaps that you been looking for to feel like okay I'm actually making some progress here and now. Let me go back to work on my budget. Make some changes over there and it may feel like a whole new day for you in terms of getting out of the discouragement and getting into really hopeful situation where you can see a light at the end of the tunnel. Okay perfect. Perfect. Thank you so much. I do have one more quick question that I got just a matter for my next breaker and yet there relationship and you know, I know things are finances breaking to break up a marriage aligned with our budget. In his neck that married when you know one pertinent making money and not know you prior to marriage, is that you question yes it like during the process of premarital counseling and so forth. Let's talk about that because that's a great question, so I'll take a quick break.

You stay right there.

We'll talk about money and marriage just around the corner was a testimony that he and much more.

Say what is on moneywise live all the lines are frozen right question so you sit back and enjoy as we mind the Scriptures and by God's wisdom to your with us today on moneywise live biblical wisdom for your financial decisions unravel as all the lines are full, so let's go right back to the phone Mickey's and Brandon Dickey just before the break, you asked a follow-up question about money and marriage, specifically how you bring together preparing for marriage. The finances from two people perhaps quite different in terms of the assets that they've accumulated and so forth. But that's the gist of it right.

This is kind of in a premarital situation had been in years. Make over 75/80,000 dollars. I had you not only that McNally bring in my 38,000 we want to have a question about finance.

They probably need to get that stent happened. Now we want to get it again and we want to do things the right way. I'm glad that you're thinking about that, Nikki. That's so important other kids involved here. Well nine between my now my guy if the defendant came out at the 2424 and he had a €15 and not like where bringing down a bunch of children in my my 17-year-old staying with me in.

I want to get to that that level by light. Maybe next year but I want to make sure you now think aligned out financially. Now how much you not even acknowledge the question how much you got yes well couple thoughts I think number one is communication is key, you will been together for seven years, but perhaps you haven't had some of these conversations about handling money in your new marriage because when to become one that includes finances so I think you'll need to have some very intentional discussions around number one. What is her lifestyle going to look like, what is his definition of your life.

Stumbling forward, what is yours. I was money handled growing up. How are you all wired is want to spend her and want to savor.

It's not the ones right or wrong. We just need to recognize how God is where each of you who's going to be the bookkeeper, even though you could have shared financial goals and what are some of those goals in terms of giving and saving for the future, and of those types of things are having all of those conversations are really key because it's not a matter of well I make this, and he makes this and we have separate accounts that's going to foster not God's design for marriage, which is one this year. We need to have, I think, in my view, one account, it really doesn't matter who makes what whether he's making more than you now because it may change down the road but it's really the resources that God has provided to you as one flesh. As a married couple. Then the question is how we can handle what God has provided to us are entrusted to us as stewards of that money, regardless of the conduit with which he provides it and whether it comes through you or comes through him.

The key is togetherness with regard to your planning and your decisions moving forward. I think there's also another dimension here where you have kids from prior marriages where you gotta think about is there any aspect of this with assets that are being brought to the marriage prior to you all marrying from your former spouse is where you want to separate those and give them directly to your respective kids. I think that's perfectly appropriate as long as it's done in a way that's productive and with open and honest communication. Were all those decisions are made in advance want to direct you to a couple resources that I think will help with this. Number one is a website called family life blended.com flick family life blended.

This is kind of a derivative of the family life ministries but it specifically resources were blended families from our good friend Ron deal, and he'll help with some of these things in terms of financial planning. Even something called a togetherness agreement specifically for couples marrying that have been married previously with kids so want you to check that out.

I'm also going to send you a book called money and marriage God's way from Howard Dayton and I think that'll help. I love to challenge you for you and your future husband to read through this book, a chapter to time and talk about it and I think that will really set the stage for you all to do this in a God honoring way. Okay Nikki I you're welcome. You stay on the line will get your information get that right out to you Betty in Crawfordsville, Indiana.

Thank you for calling understanding of the testimony, go right ahead question I have been married for 58 year book out that night with labor, which is okay. I love what I do every spouse should not now. Do all that great because here I I'm running and I just don't know what to do and that playing around with you now. I trouble with me down every time they make something that I can do it right out our thankful for it. For this radio date and God I been able to pay the bill.

I will and you know I don't have a lot of problem that a lot of people have this really carried on God every day all you will couple of thoughts. Betty, you know, at first mom so appreciative of your testimony of the faithfulness of the Lord in your life and the testimony to your husband and how he handled what God entrusted to you all as a married couple and I would concur with you that so often we get so reliant on one spouse's perhaps more inclined toward financial things the other spouses then left not knowing where things are what assets are there and just how to keep the family running could be something as simple as a credit card that's only in their name that when one spouse passes away all the cards go away. And there's a temporary timer. They don't know how to pay the bills, not to mention you know who are the financial professionals involved where the assets and then what decisions need to be made moving forward so that really is key to be able to work together on that so that that awareness is there. I think for you.

Betty couple things number one is I think it would be great to have a financial advisor, a godly financial advisor walking alongside you.

That could be a source of wise counsel for you as you navigate what God has entrusted to you the assets that you have the monthly spending. You have the taxes, the insurance just a trusted resource there that you can meet with a couple of times a year and that could really be that sounding board and to the extent you need investment management actually managing those assets for you, but we recommend certified kingdom advisors. These are men and women who met high standards and training and competence in providing biblical financial advice with pastor references and client references and character requirements and code of ethics. That's our trusted designation for godly financial wisdom and you could find several CK's in your area moneywise.org and then interview two or three.

I would also direct you to great website for Miriam math and Valerie Neff Hogan called widow connection.com specifically for widows in your situation and in particular dealing with the financial side, although they deal with a lot of other aspects to this window connection.com. There's some great resources and books Miriam Neff and was the wife of the Robert Neff Bob now from Moody Bible Institute of your longtime listener probably recognize Bob's name as VP of radio and she has a wonderful ministry serving ladies just like you to check it out. Thank you for sharing your story to be right back moneywise. Life moneywise line. Reply God's wisdom to your financial decisions.

Antoinette Karen were coming your way.

Just a moment. Thank you for your patience. But first, it's Monday. Bob Dole joins us each Monday with his market commentary Bob is chief investment officer across more global investments in Bob. I understand your fresh off the world stage back from Jakarta and the resource global conference. How are your travels are wonderful and ministry opportunities. Great to see young folks want to do life well that's great. Well, I bet you have an amazing time. Although you can come back to a very productive market off 2% a day across the board, left a bad one on Friday and showed up to a bad one. On Monday I think you've heard and cautioned my voice these last few weeks that I think the market when we got that declining inflation. Well, maybe inflation was almost done and the Fed doesn't have a whole lot further to go. And maybe we'll have a recession and the market just got a little too carried away, no doubt about its what you looking at this week. As you look out over the next coming months. I think the key is inflation and interest rates in the Fed and the economy and earnings and how long will can I give you in one breath that we have an important. As you know, Fed meeting before too long. And of course there in Jackson Hole and on Friday we will hear some commentary and I think people are watching that very carefully will the faded chair. Stay strong on fighting inflation, which is probably what he needs to do for the Fed to have credibility think that they can fight inflation only started Rob it's only been a few months out of the been raising rates so to think were at the end of that line is probably very premature. Yes, but Bob, as we continue to see rates rise.

If that's in fact what happens with every rate hike. Does that increase the probability of a recession. Rates affect our economy, lots of parts of our economy that are very interest-rate sensitive housing autos, among others, Rob, so yeah, depending on far the Fed has to go that only increases the risk but better to get whatever is needed came out of the way. Rather than stringing along for many many months. Yeah, yeah, very good, Bob. We talked about. Obviously, inflation.

What about the global economic pictures really everybody else and just about the same situation or do you see the deteriorating global economics situation. Actually, despite our problems were in better shape than most other parts of the world at least a big part you know your business is stuck with high energy prices and worried about the cold winter, and the absence of supply from Russia. That's a real concern legitimate. One time is had more covert, so they've had more lockdown and that we can very economy and they're pretty 22 pretty important blocks of economic Behavior that we need to watch carefully so if I do put in order.

At the moment on a short-term, cyclical basis US in better shape your next in China and third yachts. Last question we harken back to the 1970s and we look at those you know secular bear market. This kind of sideways market over longer time is that's still a possibility given with technology how it seems like we reached the peaks and troughs a little more quickly, or do you think we could enter a sustained period where the market is done go anywhere. I think all the poolside wise you know big rally big pullback could last for some time I think of 1966 to 1982 that 16 year. There were four bulls and forebears in the stock market and 16 years was flat. I don't think you'll last that long Rob because I don't think will have the inflation lasting as long or is be as high as it was then what it could be a lot more pain than what we've gotten used to the last couple decades where things are briefly up up and away and as you said I could lend itself to more tactical approach more managed approach to her investments, but I think that's right.

It's not to buy good companies and hold him as tempting as that is to be more opportunistic and make sure in the right stocks and that they get expensive. You gotta let some going on. The ones there are lagging. Yeah that's exactly right, which is why we appreciate you joining us here each week because we need wise counsel and folks don't have an advisor. This is probably a good time to think about getting one. Bob always appreciate your comments and remarks will look for you next week. Have a great week by a bike that was Bob Dole chief investment officer across more global investments. You can learn more across more global.com hi back to the phone for final calls for the afternoon and tonight, you've been very patient in Chicago. How can I help recall much for all the advice given stewardship. I tell you how happy I was invited to a financial complemented by someone I grew up.

It is now very, very eight line at 5 o'clock Bible study very concerned about members.

Financial considerations for you to come until company church. I'm not sure. But, that's going to the church company was sold and there will merchandise that will be felt my question. I have political for the church but somehow they were separate from each very yeah that's a great question into this, just ask clarifying questions.

Is this really intended to be an educational event put on by the church, but using an outside financial practitioner, or is it really truly just an outside business coming in to sell product using the church building.

I church need to be there who would be teaching their children and their dog, much like a conference and art outside and be able to shop. I don't know any commercial that something bigger that sells something apart from better call Medicare. I don't know.

I think that it appeared that he will be in the main sanctuary that merchandise will be so kind as that.

I want to be in violation of the contradicting of the father of marketplace.

Yeah, I'm not concerned about what I'm hearing. I don't know all the details and if we go to Matthew 21 in the temple where you know he Jesus overthrew the moneychangers and that was a situation where people were being taken advantage of in effect stolen from in and that's why Jesus I believe reacted the way that he did. Also, the ancient temple was quite a bit different than a modern church you know we serve the omnipresent God. Did you know that's everywhere. This is a building, but clearly it is that you know the house of the Lord. And so I think is long as it's being done to educate you know I don't have any problem with conferences being put on by the church even on financial topics.

We need more that are selling tickets or even selling product you have bookstores and churches. I don't think that's an issue. Often times conferences will sell books during breaks things like that. I wouldn't want an outside it were me, and I was on a finance committee were the diaconate I wouldn't want an outside business coming in, using the church building to sell product, but if this is really an educational event put on by the church with folks coming into educate people on a biblical approach to money. Others tickets sold to get into that workshop. Perhaps on the weekend because there's costs involved, and in others the books being sold during the breaks things like that I don't I don't think that's a problem in the way I read Scripture and at least as I think about what you're describing here, so I would be okay with an intranet unless there's something that I'm missing in terms of why or how this is being put on so I hope that's helpful to you.

At least my perspective, and we appreciate your call today. Glenview, Illinois. Karen, thanks for calling the redhead much for taking my call. My question is I have bill from a medical facility and $90 and I wanted to call them to see if I could make it in payments but my credit is over 800 so it it's noted is exceptional and I wondered if I don't pay the bill in full will that reduce my credit score know it shouldn't. Most medical providers don't report to the three bureaus and as long as you're not in collections and if you have a repayment plan that's been acknowledged and accepted by the medical provider that's can have no bearing on your credit score. In fact, as of July 1 of this year, even if the medical debt goes to collections. All three were bureaus will remove that item from a person's credit report once it's paid instead of keeping it for seven years. That's a new legislation that just when, in effect July 1. That's really intended to help people struggling with medical debt. But it shouldn't even make it to the credit report in the first place.

If you're still in good standing and if you have a payment plan that you worked out with the provider, which is very common and they're very willing to do and you're not can be seen as in arrears or in collections and it will never make it to the credit report so you can be assured that if they're willing to accept that you go right ahead don't think twice about it. Thanks for your call today.

John appreciate your patience.

We love you John tomorrow if you call back. Perhaps we get you in the front of the line on tomorrow's broadcast Johnson folks think you belong with us today moneywise.

Life is a partnership between radio and moneywise he and Ryan Hansen is tomorrow really