Speaker 1: Welcome to Financial Issues, where we help you steward faithfully
Speaker 1: by honoring God with your investments. Now listen in as
Speaker 1: we give.
Speaker 2: You the practical tools and advice you need to become
Speaker 2: a biblically responsible investor.
Speaker 3: This is Financial Issues, where we help you defund darkness
Speaker 3: and fund the light by investing with biblical integrity.
Speaker 2: Focus. Friday, folks. Great to have you today.
Speaker 3: Over time, You're calls and questions, all the good stuff
Speaker 3: on Friday. Seth y Dinski here with you, Sam Case
Speaker 3: in the control room, and we've got your host, Mark
Speaker 3: Manila with.
Speaker 2: Us as well.
Speaker 4: Mark.
Speaker 2: Good morning to you, brother, Good morning.
Speaker 1: Good to be here on this overtime Friday. So I
Speaker 1: so love these Fridays.
Speaker 2: Yeah, they're pretty I really do.
Speaker 5: Yeah, it's a fun time. Yeah, I got to answer
Speaker 5: all these questions.
Speaker 3: Agreed, agreed, Yeah, I love it. And maybe it's something
Speaker 3: we should do, you know, more often.
Speaker 2: Who knows wouldn't be special?
Speaker 3: That's true, that's true. Yeah, maybe we shou just keep
Speaker 3: it to Friday. We'll see what the chat says about
Speaker 3: all that. The phone number is six ten three six
Speaker 3: three eleven ten. That's the number to call in get
Speaker 3: your calls queued up right now, folks, we want to
Speaker 3: devote this show to you, answering your questions. Anything you
Speaker 3: got financial, we'd love to help you join the live
Speaker 3: broadcast again the number six ten three six three eleven ten. So, guys,
Speaker 3: the topic of the day here, a little stock breakdown.
Speaker 3: We're calling it Sam Love hurts app Lovin heartbreaker or
Speaker 3: bargain maker breaker.
Speaker 1: Oh I'm sorry, a little little friend. Yeah, that's right.
Speaker 2: So Mark, we got a good question here.
Speaker 1: There goes our budgets Sam for our music anymore.
Speaker 6: We just need Sam singing.
Speaker 1: That's all we need.
Speaker 7: No, No, I'm such a bad singer when it count
Speaker 7: as parody, so we can get away.
Speaker 2: So Mark, there's a question we got from Scott, one
Speaker 2: of our partners.
Speaker 3: He's sixty two years old, and he's saying this in
Speaker 3: light a couple downgrades for Apple Love and since its
Speaker 3: earnings release, are you still confident in their growth prospects?
Speaker 3: Just curious your thoughts. So Mark break this down for us,
Speaker 3: what do we make of app Lovin?
Speaker 5: Well, that's that's an interesting question. Thanks for asking it.
Speaker 5: First thing right off the spot here, But you know
Speaker 5: this is one of those weird socks that I have
Speaker 5: to say is worth taking a look at.
Speaker 1: It really is because.
Speaker 5: App Loving, I mean, second quarter revenue was one point
Speaker 5: nine billion over one point nine billion, up fifty three
Speaker 5: percent year over year. Think about that. Revenues are up
Speaker 5: fifty three percent year over year. We see the company
Speaker 5: generated eight hundred and sixty three million of free cash flow.
Speaker 5: Those aren't numbers from a company's businesses suddenly just falling apart.
Speaker 5: This is a strong company, a company that's growing. We
Speaker 5: see earnings growing, we see revenues growing, not just slightly,
Speaker 5: but way beyond its competition and way beyond the markets
Speaker 5: in general, and yet it stock keeps falling. So I think, really,
Speaker 5: this is one of those learning times when we say, okay, well,
Speaker 5: the evaluations for the first half of the year were
Speaker 5: so high and so tight there was no room for disappointment.
Speaker 5: Wall Street had had their desires on what they wanted
Speaker 5: to see app Loving do, and even though app Loving
Speaker 5: came in within the parameters of that, it was at
Speaker 5: the lower end. So institutional investors started pulling back because
Speaker 5: of that, and it pulled back really hard. What do
Speaker 5: we down thirty fifty percent on this this year?
Speaker 7: Day is around fifty four.
Speaker 5: Yeah, it's just really ugly on that. Yet this company's
Speaker 5: growth spurts and what's going on with it and the
Speaker 5: projections for years to come is incredible.
Speaker 1: So is it a heartbreaker or is it a deal maker?
Speaker 5: Well? Quite frankly, this price, I don't know why anybody
Speaker 5: wouldn't get in at this point, considering that their revenues
Speaker 5: are supposed to be up what fifty percent seventy percent
Speaker 5: for next year and it just keeps growing. Q three
Speaker 5: guidance is supposed to be two billion dollars over two
Speaker 5: billion dollars. That's incredible. But you know, you can't, you
Speaker 5: can't can't. You can't argue with price, I guess is
Speaker 5: what's coming down. So a lot of traders will say
Speaker 5: get out of it and don't get near it until
Speaker 5: it turns around. Now, I will say, there are a
Speaker 5: few other things, like I'm unhappy with their debt, okay,
Speaker 5: but their debt is well covered and that debt can
Speaker 5: come down real quickly when you.
Speaker 1: See the free cash flow that they're generating.
Speaker 5: So I don't have the biggest problem with that debt
Speaker 5: as I would with another company who has that debt
Speaker 5: and doesn't have the revenues and the earnings that they're
Speaker 5: and the earnings and the revenue growth and earnings growth
Speaker 5: that is being projected. So when I look at this,
Speaker 5: uh seth, I'm seeing a blue light.
Speaker 1: Special, That's what I'm seeing.
Speaker 5: Yeah, if you already own it, I don't know why
Speaker 5: you would jump ship at this point. I mean, it
Speaker 5: hasn't bounced really yet, but it could anytime and start
Speaker 5: growing again.
Speaker 7: What about dollar cost averaging because it has taken a beating?
Speaker 1: What do you mean?
Speaker 7: What do you mean just if you're you're down like
Speaker 7: a good forty fifty? It would it be now the time?
Speaker 1: I wouldn't have any problems. I would have no problems
Speaker 1: with that.
Speaker 5: It's you know, bring it back up to your your
Speaker 5: entry level three percent, five percent, whatever you go in
Speaker 5: at on an individual stock, I don't have any problems
Speaker 5: with that. My opinion on it is it has a
Speaker 5: lot of potential. Now, I did dig a little deeper
Speaker 5: and found that the SEC was looking into them last
Speaker 5: year or the beginning of this year for some sort
Speaker 5: of possible violation. But there's been no charges, there's been
Speaker 5: no follow up. And I will tell you from the
Speaker 5: years of being in business I've seen SEC investigations and
Speaker 5: they just don't ever close those. They open them, but
Speaker 5: if they don't find anything, they don't write your letter
Speaker 5: and say, Okay, we didn't find anything, You're good. What
Speaker 5: they do is they just leave it open forever.
Speaker 7: It's like a central investigation. They just keep on going.
Speaker 1: Yeah.
Speaker 5: Well, even if they're not investigating you anymore, they just
Speaker 5: don't take the.
Speaker 1: Time to close it or to say we were wrong.
Speaker 8: You know.
Speaker 5: So I don't know where that's going to go, or
Speaker 5: if they'll end up getting fined for something, which I
Speaker 5: don't understand at this point since there's been no charges
Speaker 5: or no.
Speaker 1: Nothing like that. So I don't know.
Speaker 6: Now.
Speaker 7: I remember earlier this year, this stock was really taking
Speaker 7: a hit because it was kind of caught up in
Speaker 7: the narrative that you know, software's over, AI is going
Speaker 7: to take.
Speaker 5: Well, that was a big part the pulldown, right, and
Speaker 5: everybody forgot AI is software, right, So who's going to
Speaker 5: adopt adapt that the fastest software U creators or other people.
Speaker 5: Obviously the software creators have adapted the AI faster than
Speaker 5: anybody else.
Speaker 4: Now, that was.
Speaker 5: Another thing that they got slapped for by some analysts
Speaker 5: was that their implementation.
Speaker 1: Of AI and their algorithms.
Speaker 5: To to fine tune where to put the ads within
Speaker 5: the within the different apps, and that kind of stuff
Speaker 5: took longer than Wall Street wanted them to.
Speaker 1: You just got to say, you know, Wall Street back up.
Speaker 5: You know, so, Scott, look at I haven't lost confidence
Speaker 5: at all in app.
Speaker 1: I'm heartbroke.
Speaker 5: You know that my love app company has hurt me
Speaker 5: so with a negative fifty percent. But in any good relationship,
Speaker 5: there's healing, and this healing could make it a much
Speaker 5: stronger company as it starts coming back.
Speaker 4: Mark.
Speaker 1: There you go.
Speaker 5: So I'm not putting it on the cell list. I'm
Speaker 5: not even putting it on the whole list at this point. Now,
Speaker 5: if the SEC came out with some accusations and said
Speaker 5: they're going to pursue these in court, or they're gonna, uh,
Speaker 5: you know, there's gonna be fines and that kind of stuff,
Speaker 5: I might say, Okay, let's put this on hold for
Speaker 5: a while.
Speaker 1: But I haven't seen that happen. I don't see it happen.
Speaker 5: I can't find enough information to make me worry about
Speaker 5: it at this point. I don't think that I I
Speaker 5: don't think it's going to be a big deal. That's
Speaker 5: just my feelings on it. So all they did was
Speaker 5: help push it down. So it's at a buy. It's
Speaker 5: a blue light special. That's my feeling. Three years from now,
Speaker 5: we'll find out.
Speaker 3: For sure, Mark, would you say app love and might
Speaker 3: be one of those investments that we put on the
Speaker 3: line between growth and aggressive, like it's it's one of
Speaker 3: those ones that could move real really really, it could move,
Speaker 3: you know, it can move up and down basically.
Speaker 5: Well, the volatility in it has been pretty straight line
Speaker 5: down for a while.
Speaker 1: So it is labeled as aggressive.
Speaker 5: By Yeah, we do have it labeled as aggressive primarily
Speaker 5: for that.
Speaker 1: But the other thing is because of the financial steel.
Speaker 5: A company with pure financial steel would have debt way
Speaker 5: below where.
Speaker 1: This debt level is.
Speaker 5: This debt level of debt to equity is like one
Speaker 5: hundred and ten percent, Okay, so that's too high.
Speaker 1: As that comes down, which.
Speaker 5: I'm hoping to see over the next year or two,
Speaker 5: as that comes down, then it then we probably would
Speaker 5: pull it off the aggressive list and just put it
Speaker 5: as a solid company. But because that debt level and
Speaker 5: because of the volatility that we see, the downward volatility,
Speaker 5: we wanted to put on aggressive to let you know, well,
Speaker 5: this thing tomorrow could go straight up. People might realize, hey,
Speaker 5: this thing's taking a beating and I was listening to
Speaker 5: Financial Issues and they're saying they're staying behind it.
Speaker 1: Let's get in, you know so, and it could go
Speaker 1: straight up because of that.
Speaker 5: Oh not because of us, but or maybe I don't know,
Speaker 5: it happens for sure, Folks.
Speaker 2: Give us a ring six ten three six three eleven ten.
Speaker 2: Focus Friday. We want to hear from you six ten
Speaker 2: three six three eleven ten.
Speaker 5: Absolutely, and after this break we'll be right back to
Speaker 5: start answering questions because that's what we do on Focus Friday.
Speaker 6: Six ten, three sixty three eleven ten.
Speaker 2: Folks, today's show is brought to you by you all.
Speaker 3: Thank you all so much, partners, listeners, monthly soldiers. Can't
Speaker 3: do what we do without you all making this ministry happen,
Speaker 3: so thank you so much. And if you want to
Speaker 3: be a part of it more than just listening to
Speaker 3: the show, but if you want to get involved and
Speaker 3: become a partner, you can do that at Financial issues
Speaker 3: dot org. You get access to everything we offer, including
Speaker 3: conference calls.
Speaker 2: We had one yesterday. Mark who's very interesting.
Speaker 3: All that and more for one hundred and thirty two
Speaker 3: dollars a year, you really can't beat it. I did
Speaker 3: want to say this as well, Mark, we have a
Speaker 3: great new resource on our website. We've partnered with free
Speaker 3: Will to be able to give our listeners the chance
Speaker 3: to freely make a will, a power of attorney, a trust,
Speaker 3: those important last planning documents. For you, George from the
Speaker 3: chat Mark say and free Will is a great new feature.
Speaker 2: Thank you all for it.
Speaker 3: If I can figure out a few more things and
Speaker 3: depart from procrastination station, it'll be.
Speaker 2: A great service. I hear that, George.
Speaker 5: George, look at it like a game instead of looking
Speaker 5: at it like something you have to do and therefore
Speaker 5: you're going to procrastinate. Look at it like, hey, I'm
Speaker 5: just gonna go in with into this and play with
Speaker 5: it to see what I can come up with, and
Speaker 5: then you know, get you started thinking about things like
Speaker 5: I remember, this is gonna sound really strange, but when
Speaker 5: my wife and I were going to Italy, I wanted
Speaker 5: to get the wills and everything in place just in case,
Speaker 5: you know, something happened in the trip.
Speaker 1: You never know when you escape. That's my family.
Speaker 2: Okay, well then you would know, you would know personally no.
Speaker 1: But so we were getting things in order. But I
Speaker 1: really didn't want to do it.
Speaker 8: You know.
Speaker 5: I I've done a state planning I've been on a
Speaker 5: state planning teams for thirty years and I really get
Speaker 5: tired of that. But I sat down, I started doing
Speaker 5: the will, started putting things together, and then you know,
Speaker 5: I got to the point of, you know, you make
Speaker 5: a list. One thing that is really cool you can
Speaker 5: leave in your will. You make a list of things
Speaker 5: of items, assets that you have and who you want
Speaker 5: to leave them to. Things that don't have titles or
Speaker 5: beneficiary statements or stuff like that. Like I have several guitars,
Speaker 5: and I started thinking, who do I want this guitar
Speaker 5: to go to. And every guitar, now you're going to think,
Speaker 5: I'm really weird, has a personality. And I started matching
Speaker 5: up the guitar personalities with my kids and who I
Speaker 5: wanted these guitars to go through. And it was a
Speaker 5: lot of fun, you know, and I just I just
Speaker 5: approached it a little different than something I have to
Speaker 5: do to make sure I take care of everybody to
Speaker 5: this can be fun. A will and a trust or
Speaker 5: a will, and durable powers attorney, healthcare powers of attorney.
Speaker 1: They can be a very exciting thing. Remember, this is
Speaker 1: the final act of a Stewart that you do before
Speaker 1: you before you go home to your father, and you
Speaker 1: can just take the time and enjoy it. It shouldn't
Speaker 1: be a hard thing. It shouldn't be ye sad thing.
Speaker 1: This is cool.
Speaker 5: This is part of the journey before I go. Anything
Speaker 5: that I'm left undone, I can take care of in
Speaker 5: this piece of paper here, So I really encourage you
Speaker 5: get into it.
Speaker 1: Make it a fun thing. Yeah amen.
Speaker 2: And no matter your age either.
Speaker 3: Here folks, please do not make the mistake of thinking,
Speaker 3: if you're in your thirties or forties now, I'll.
Speaker 1: Do that later.
Speaker 3: No, no, do it right now. The Lord has numbered
Speaker 3: your days. We don't know what that number is. He
Speaker 3: does not to be morbid about it. But we always
Speaker 3: need to be ready mark every day. And that's not
Speaker 3: just true financially, but spiritually as well. We've got to
Speaker 3: be ready for the day that the Lord calls us
Speaker 3: home or returns, because it could.
Speaker 1: Be today, absolutely could be todays. Yeah.
Speaker 3: Yeah, markets yesterday, guys were moderately pleased with another kind
Speaker 3: of light inflation reading.
Speaker 2: Two consecutive days.
Speaker 3: Of light inflation readings, I mean, two consecutive days with
Speaker 3: the markets being pretty happy. The Dow was just above
Speaker 3: the flat line. SMP and the Nasdaq both had nice days.
Speaker 3: The Russell two thousand up about a quarter percent, so
Speaker 3: good things over all there, Mark, this morning, I am
Speaker 3: seeing pretty pretty similarly here, pretty good overall dows down slightly,
Speaker 3: oils up a little bit, which isn't great, but the
Speaker 3: S and P and the NASDAK doing just fine.
Speaker 4: Yeah.
Speaker 5: It's pretty flat, really, yeah, across the board, except for
Speaker 5: crude being well, crude's pretty flat too.
Speaker 2: Yeah, it's up a little bit.
Speaker 1: Yeah, I'd love to see that down around sixty. Yeah,
Speaker 1: that's a long ways to go. Absolutely, it's just war
Speaker 1: over with Mark.
Speaker 3: I was going to ask you, can it happen without
Speaker 3: the war ending or do you think the ward?
Speaker 5: No, the war has stand, and even if the war
Speaker 5: ends will still have we'll still have Jahatis and crazy
Speaker 5: people all over the world trying to blow up energy infrastructure.
Speaker 5: So if I ran finally said we're done, come on,
Speaker 5: let's just be friends now, we still have problems from
Speaker 5: many other nations that that saw what I ran did
Speaker 5: and think they have power as well. Sure, so it's
Speaker 5: it's a long road, unfortunately, but I think our independence
Speaker 5: that we're developing and getting close to having here will
Speaker 5: change that drastically.
Speaker 3: Absolutely, six' ten three six three eleven, Ten, mark why
Speaker 3: don't we go to the phones?
Speaker 2: Here kelly is calling from the state Of. Illinois let's
Speaker 2: go talk To.
Speaker 5: Kelly, Hey, kelly welcome to financial. Issues this Is Focus.
Speaker 5: Friday what's on your mind? Today are you with? Us?
Speaker 8: Kelly? Yes, sorry, YES i purchased stand disc AND mu
Speaker 8: and made quite a bit of money and then the
Speaker 8: little crash happened AND i lost all of, it and
Speaker 8: Now i've got a little bit back AND i don't
Speaker 8: know what to.
Speaker 1: Do, well let's, see let's take a look here.
Speaker 4: In you is that neally?
Speaker 3: So micron unfortunately is not biblically. Responsible so if your
Speaker 3: heart is pricked to invest with biblical, INTEGRITY i would
Speaker 3: consider selling out OF mu, immediately regardless of the gainer.
Speaker 1: Loss what do you, Think mark Of?
Speaker 5: Micron, yeah, yeah, yeah it's thirty it's off the. Table
Speaker 5: we won't even evaluate that at this, point BECAUSE i,
Speaker 5: mean we won't do an analysis on, it because why
Speaker 5: it Defends. God what they're doing is compromising you or
Speaker 5: any other owner's ability to your relationship With god by
Speaker 5: participating in their sins the things that they're doing.
Speaker 1: Now Sand disk is a different.
Speaker 5: Story if we move over a Sand disc right, now
Speaker 5: we still have Sand disc gonna.
Speaker 1: Buy it's, aggressive but it's a.
Speaker 5: Bye When, kelly when you buy a company that has
Speaker 5: highly volatile pricing in the, stock you just have to
Speaker 5: sit back and let it. Run as long as it's
Speaker 5: financial issues. Steal as long as the balance sheet and
Speaker 5: the income statements are, strong which they are with say
Speaker 5: they're beyond, Strong they're incredibly. Strong you want to hold
Speaker 5: onto that for the long. Term it will take. Dips
Speaker 5: people will take profits off the table at. Times sometimes
Speaker 5: somebody will write something silly and it will cause people
Speaker 5: to knee jerk, reaction which you'll pull it. Back but
Speaker 5: this company has such potential and such strength That i'm
Speaker 5: very comfortable holding it. Myself my opinion is that we
Speaker 5: continue to hold. It if you already own it in
Speaker 5: you get rid Of, micron get rid of. It you
Speaker 5: don't want to be associated with, Them you don't want
Speaker 5: to be it's not just being. Associated but when you
Speaker 5: own a, stock And i'm sure you know, this but
Speaker 5: this is just for general. Listeners when you own a
Speaker 5: stock that Offends god because of what it does with
Speaker 5: either its, products, services or what it does with its,
Speaker 5: profits you are participating in that ownership of a. Stock
Speaker 5: buying a stock means you're an. Owner as an, owner
Speaker 5: you're a. Participant you may be only one one millionth
Speaker 5: of a, participant but you're a participant just the. Same
Speaker 5: so we don't want to do. That the first step
Speaker 5: to building a portfolio are picking your, stocks is to screen.
Speaker 5: It if it's, dirty valuator says it's offensive To, god
Speaker 5: we take it off the, Table we throw it, off
Speaker 5: and what's left is what we work. With and by the,
Speaker 5: way that's the majority of stocks on The New York Stock.
Speaker 1: Exhank so we don't have to.
Speaker 5: Cater to these Anti, god anti family companies that want
Speaker 5: to want our children to be perverted by sexual, immorality,
Speaker 5: prostitution addictive products and stuff like.
Speaker 1: That all righty oh good. O, well thank, You, Kelly
Speaker 1: thank You.
Speaker 3: Kelly and, Yeah, kelly one thing to just encourage you
Speaker 3: with as. Well just Like mark, said stocks like Sand,
Speaker 3: disk they're going to go up and down and up and.
Speaker 2: Down they're gonna be those road coaster, ones, Right.
Speaker 5: Mark but if you look at the history of Sand,
Speaker 5: disk it's good and has such. Potential when you have
Speaker 5: three year backlog on your, products that's a good.
Speaker 1: Thing that's a wonderful. Thing oh and another, thing selling Off,
Speaker 1: micron big.
Speaker 5: Deal we're going in the third quarter, here we're almost
Speaker 5: we're almost two tax lost harvesting. Times so that'll help
Speaker 5: all set some of the sands.
Speaker 1: Gains, yes, yeah for.
Speaker 4: Sure all, Right Thank, god bless, You.
Speaker 1: Thank, You, Ken thank, You, god bless.
Speaker 2: You that's, Great.
Speaker 3: Mark it's great to see someone who is thinking about these,
Speaker 3: things you. KNOW i mean when we buy a stock
Speaker 3: and then it goes up and then it shoots back,
Speaker 3: DOWN i get. IT i get the thought, of oh
Speaker 3: DID i make a. Mistake BUT i.
Speaker 2: Mean that's why we're long.
Speaker 6: Term.
Speaker 4: Mark.
Speaker 5: Right, well we were just talking About apple down over fifty.
Speaker 5: Percent yet the potential with that is very. Strong you,
Speaker 5: know if there was only two pillars in financial issues,
Speaker 5: field there's more than. That but, listen just for ease of,
Speaker 5: conversation one of those is. Weak the debt area is week,
Speaker 5: there but it's not so weak that it's that it
Speaker 5: scares me because it's highly supported by its cash flows
Speaker 5: which are. Increasing so it's it's revenues and earnings are
Speaker 5: increasing and they already covered it, substantially, uh more than
Speaker 5: was needed to feel comfortable about. It so you, know
Speaker 5: there's a lot of a lot of craziness in the.
Speaker 5: Market we get, that but, yeah you stick with the
Speaker 5: companies that have the financial issues steal and the potential
Speaker 5: app loving, does but so does Sand disks does even
Speaker 5: more So.
Speaker 7: Yeah, yeah right that there was like real gold, bars,
Speaker 7: yeah the Sand disk.
Speaker 1: Chips but justin.
Speaker 7: In the chat that we put a huge amount in
Speaker 7: app love in this week actually and you made him
Speaker 7: feel much much.
Speaker 1: Better so, well good Praise.
Speaker 5: Scott, YEAH a little pieces goes a long, way doesn't. It,
Speaker 5: yeah AND i see some of our lines are lighting, Up.
Speaker 5: Karen we only have a couple of minutes, left so
Speaker 5: if you would hang in there and we'll get to
Speaker 5: your call when we get back from a break here
Speaker 5: and uh and the number here is six send three
Speaker 5: six three eleven. Two we can fill up the rest
Speaker 5: of the lines so we can answer your questions because
Speaker 5: that's what we do On Focus, friday isn't it?
Speaker 1: That sure?
Speaker 5: Is?
Speaker 3: Mark, hey speaking of Which, mark today is a very
Speaker 3: Special Focus. Friday today Is Grant ace's last day here
Speaker 3: at the, ministry And grant's been such a faithful member
Speaker 3: of the. Team might have to rush it in this, segment,
Speaker 3: Guys so maybe we can do it in the next
Speaker 3: segment if you want. To but, boy we we're just
Speaker 3: so thrilled to be able to Send grant. Off and
Speaker 3: we'll hear From grant a little bit later.
Speaker 1: On and that almost sounded.
Speaker 5: Cruel you, know we're so glad to Send grant.
Speaker 1: All what did you mean by.
Speaker 6: That him and pushing him off the?
Speaker 3: Shore here's my here's my thought with. It he's so
Speaker 3: dang handsome THAT i just want to get him out of.
Speaker 1: Here oh, here that feels.
Speaker 2: Threatened right, Now grant Feels grant is a rock.
Speaker 7: Star so, yeah later on insecurity is not becoming of
Speaker 7: a man of.
Speaker 1: Yours thank, You, sam thank. You you know WHAT i
Speaker 1: needed that?
Speaker 3: Now, well, Yeah, mark we'll we will hear From grant later.
Speaker 3: On But, grant appreciate everything that you've done for, us,
Speaker 3: Brother it's.
Speaker 5: Awesome we absolutely do and everybody else on our. Staff
Speaker 5: we have such an incredible. STAFF i was asked the
Speaker 5: other day by one of the board members of financial,
Speaker 5: issues what DID i how did how are things going
Speaker 5: one year into being the host of the show and
Speaker 5: the position that they've given me? Here AND i, said
Speaker 5: on a scale of one to, ten comparing it to
Speaker 5: WHAT i thought it would, be we're up one hundred
Speaker 5: percent above, that you, Know so it just IS i
Speaker 5: get to work with such great.
Speaker 1: People sorry to.
Speaker 5: See you, Go, grant But i'm glad to see all
Speaker 5: you calling in six, ten three six three eleven. Ten
Speaker 5: we want to answer your, questions we want to hear your.
Speaker 5: Opinions we want to party with you On Focus friday.
Speaker 6: Six, three six three eleven.
Speaker 3: Ten, folks get your call queued up On Focused friday
Speaker 3: during the live. Broadcast before we get back to the, calls,
Speaker 3: guys our Man Grant ace his final day AT, Fim,
Speaker 3: SAM i understand that you've got a friend next to.
Speaker 2: YEAR i found this guy just wandering in the.
Speaker 6: Hall Loss but, yes it's Grant.
Speaker 7: Ace. Grant we're really sad to see you, go but
Speaker 7: we wish you all the.
Speaker 9: Best, OH i, KNOW i this is like one of
Speaker 9: the best Jobs i've ever had here AT, fism and you,
Speaker 9: know and even though it's, BITTERSWEET i just enjoyed my
Speaker 9: time here and all.
Speaker 10: That but the biggest thing too is, that like you,
Speaker 10: know over the course of these past few, years just
Speaker 10: like learning what it means to be as steward is
Speaker 10: something THAT i never really THOUGHT i would learn on
Speaker 10: this job BECAUSE i came in as a technical, Role
Speaker 10: but just learning about what it means to be a
Speaker 10: steward with your investments in finance and just like what that,
Speaker 10: means and like also just learning more financial literacy here
Speaker 10: was like kind of, coold SOMETHING i didn't. Expect but,
Speaker 10: Yeah i'm just so thankful for fis him and just
Speaker 10: everything you guys have.
Speaker 5: Done oh, well we're sorry to see you, Go, grant but,
Speaker 5: Uh god bless and mercy. Travels AND i really hope
Speaker 5: that that you're walking in the ways of The lord
Speaker 5: and that you follow his, path not your, own for
Speaker 5: you and your. Family and it sounds like you're doing,
Speaker 5: That so that's a blessing in and of.
Speaker 1: Itself.
Speaker 3: Yeah, no Knowing grant, personally, GUYS i, mean he's just
Speaker 3: he is the real. Deal getting to see him and
Speaker 3: his wife and their little baby daughter now is a
Speaker 3: couple months.
Speaker 2: Old it is so cool to see them in.
Speaker 3: Studio and, yeah we're gonna miss you, Buddy love you,
Speaker 3: man six ten three six three eleven Ten. Mark why
Speaker 3: don't we go to the phones and talk To karen
Speaker 3: calling From.
Speaker 5: Virginia all, Right, karen welcome to financial. Issues what's on
Speaker 5: your heart this?
Speaker 11: Morning, well FIRST i have to rib stuff a little,
Speaker 11: bit like always WHEN i call about the.
Speaker 6: Shirts, karen you know what the problem.
Speaker 2: Is it's it's it's my production. Staff they're just not on.
Speaker 1: It you. Know there's a Reason grant's going away.
Speaker 2: Right, no That's, Karen thank you for the.
Speaker 3: Reminder, listen those shirts are going to come someday before
Speaker 3: The lord. Returns how about?
Speaker 1: That you know?
Speaker 5: WHAT i just got a memo asking me for some
Speaker 5: information for some of the new new swag that we're
Speaker 5: going to have pretty.
Speaker 1: Soon so it sounds like they're working on.
Speaker 2: It Defund darkness fund the, Way.
Speaker 11: Karen that sounds.
Speaker 12: GOOD i tell, you IF i had an artistic bone
Speaker 12: in my, BODY i would design the graphics for. You
Speaker 12: that that is not, Me AND i will SAY i
Speaker 12: did have another idea that if you you, KNOW i
Speaker 12: know that shirts are expensive for you to do that for.
Speaker 11: Swag you could just do the decals.
Speaker 12: And and put them on our own shirt and very.
Speaker 6: Good, anyway there you.
Speaker 5: Go, WELL i think great partners like you and the
Speaker 5: others deserve better than. That, Yeah SO i THINK i
Speaker 5: think we're going to be very happy with what's coming out.
Speaker 5: Here there's been a lot of great ideas that's been floating,
Speaker 5: around and, uh we're they're they're getting to it.
Speaker 1: Now so my apology for you having the wait so.
Speaker 11: Long, WELL i just Like eve and y'allsome. Too so,
Speaker 11: anyway WHAT i WHAT i.
Speaker 12: Really called about WAS i listened To linda's call yesterday
Speaker 12: AND i wanted to comment along The Portfolio tracker and
Speaker 12: encourage people about using. It i've been a partner for
Speaker 12: about ten, years so before The Portfolio tracker even, existed
Speaker 12: And i've seen all the iterations of, it And linda
Speaker 12: said in her call she hadn't looked at it in a,
Speaker 12: while AND i remember when it first came, out it
Speaker 12: was difficult to, use and it was tedious because you
Speaker 12: had to do your own calculations for how much you
Speaker 12: needed the purchase of different, things and we waited through.
Speaker 12: That BUT i just want to encourage all the. Partners
Speaker 12: if you've been here for a long time and you.
Speaker 11: Haven't looked at The portfolio tracker, lately you need to
Speaker 11: look at. It it is.
Speaker 12: Awesome when you put in your allocations of the things
Speaker 12: that you, own there's a tab at the very top
Speaker 12: that SAYS Fism target, allocation and when you click on,
Speaker 12: that it pulls up a window that tells you exactly
Speaker 12: Like i'm looking at mine right now and it SAYS
Speaker 12: i need to add eight, thousand five hundred and seventy
Speaker 12: six dollars worth of consumer.
Speaker 11: Staples so it's very. Specific no more adding.
Speaker 12: And, subtracting multiplying and all that. Stuff and Then i'm
Speaker 12: working on my tags. Today the tags has made it really.
Speaker 12: FANTASTIC i, have, YEAH i have nine different accounts that
Speaker 12: are you, know BUT i HAN'T i HAVE, ROSS i
Speaker 12: have traditional through, WORK i have as different rows through.
Speaker 11: WORK i have a four to fifty.
Speaker 12: Seven you, know we have a bunch of different. Accounts
Speaker 12: and BEFORE i couldn't tell which security was in which,
Speaker 12: account so it was really hard when figuring.
Speaker 11: Out what to buy where to buy out.
Speaker 12: Of but now That i'm getting the tags, IN i
Speaker 12: can readily see which which account has what money and
Speaker 12: which account has which, securities and it's so so. Easy so, please, please,
Speaker 12: please if you're a partner and you have to look
Speaker 12: at the portfolio trucker and, allow please do it because
Speaker 12: it is.
Speaker 11: Fantastic, well thank You karen for.
Speaker 5: That that's really good. Stuff AND i don't mean to
Speaker 5: Put elijah on the, line but we've been working on
Speaker 5: some some additions and improvements for the tracker and for
Speaker 5: setting up your, portfolios AND i think it's are going
Speaker 5: to blow people's mind away when we when we finally released,
Speaker 5: it after all the testing is, done the development is
Speaker 5: pretty much. Done we've been working on this for now
Speaker 5: almost six. Months and WHEN i say, we Obviously i'm
Speaker 5: not a programmer at this, point But elijah, is so
Speaker 5: he's been doing the programming and we've had a little
Speaker 5: committee together to look at order of stumbling blocks And
Speaker 5: i'm very excited about the next updates that'll be coming, out.
Speaker 1: Hopefully before the end of the. Year, So, KAREN i
Speaker 1: think you're going to be thrilled with.
Speaker 12: These well fantastic and thank you so much for all
Speaker 12: that you. Do AND i pray for your ministry And
Speaker 12: god bless each and every one of.
Speaker 1: You, well thank, You, Keren god bless you. Too thank
Speaker 1: you so.
Speaker 3: Much six ten three six three eleven. Ten, Folks we've
Speaker 3: got a couple of lines, open so why don't you
Speaker 3: go ahead and give us a call?
Speaker 2: Here MARK a good question here came from our.
Speaker 3: Chat Yesterday john And alabama saying, this how does the
Speaker 3: price Of Financial issues stack up to other companies doing
Speaker 3: what you, do just not The christian side of.
Speaker 1: It, well you know we have an answer for, that.
Speaker 5: Don't i'm a little, biased SO i had to step
Speaker 5: back and WHAT i did WAS i did some, research
Speaker 5: AND i did research not based on what does what
Speaker 5: does one of these sites, charge you, know just to
Speaker 5: get into, it but comparing it to what we. Offer you,
Speaker 5: know With Financial, issues you pay what one hundred and
Speaker 5: thirty two dollars a, year and that's an all access,
Speaker 5: pass partnership.
Speaker 1: Pass you get access to.
Speaker 5: Everything you get the interactive asset allocation model, models you
Speaker 5: get active and unlimited buy holding sell, alerts you get
Speaker 5: vetted stocks, lists mutual, funds, ETFs portfolio track or educational
Speaker 5: RESOURCES bris, screening priority access even for.
Speaker 1: QUESTIONS a lot of people didn't.
Speaker 5: Know but just, like was It linda the other day
Speaker 5: you called in had a question and it was something
Speaker 5: that needed to go.
Speaker 1: Deeper SO i, Think, zuck you sat with.
Speaker 2: Her, yeah, WHY i gave a call after the. Show
Speaker 2: we spoke for about a half hour and.
Speaker 5: Yeah this is something we do for. Partners, yeah this
Speaker 5: is something we did for. Partners so here's the way it.
Speaker 5: DID i wanted to compare that with competing, services and
Speaker 5: WHAT i.
Speaker 1: Found was most of these are really good.
Speaker 5: Marketing what they do is they start off with a really,
Speaker 5: low inexpensive entry level, subscription which is usually more than
Speaker 5: what we're charging. Already but with, that you don't get
Speaker 5: anything near what you get. Here you might get one
Speaker 5: or two picks a, month you, know or an alert a,
Speaker 5: month but it's very. Limited so WHEN i decided to
Speaker 5: go back and, say, well let's find the levels of
Speaker 5: these different sites that match what we're given. Them and
Speaker 5: WHEN i did, that it's going to blow you away.
Speaker 5: Here but you, know there's some really nice sits out,
Speaker 5: there but that you could get into for two to
Speaker 5: four hundred.
Speaker 1: Dollars but if you wanted, everything almost, everything we.
Speaker 5: Have to take out the, screening The biblical responsible, screening
Speaker 5: and the stewardship training and all that kind of, stuff
Speaker 5: because none.
Speaker 1: Of them do.
Speaker 5: That but we take that, out and you still if
Speaker 5: just to compare to the tools and the education and
Speaker 5: stuff we, give you'd be paying at some of these
Speaker 5: professional sites around seven to eight hundred dollars a.
Speaker 1: Month there's one site that.
Speaker 5: Kind of the name you'll you'll, know BUT i won't
Speaker 5: say the, name BUT i will say it's maybe Shaggedy
Speaker 5: silliness is kind of another way to say their. Name
Speaker 5: they only charge one hundred and ninety nine dollars to
Speaker 5: get into their basic entry, level and then they upsell
Speaker 5: you did five hundred dollars to their epic which gives
Speaker 5: you five stock.
Speaker 1: Picks or alerts a.
Speaker 5: Month and then if you want to go to their epic,
Speaker 5: plus where you get, eight you get to pay two thousand.
Speaker 5: Dollars and if you want to have portfolios and look
Speaker 5: at getting close to where we're, at you have to
Speaker 5: pay four thousand dollars a.
Speaker 1: YEAR a very popular.
Speaker 5: News host who has his own newsletter and, stuff charges
Speaker 5: four thousand per, year.
Speaker 1: And it can go up from. There so would you
Speaker 1: say it's a.
Speaker 5: BARGAIN i say that, comparatively we're undercharging by extreme amounts
Speaker 5: for comparative.
Speaker 1: Sites in what's going. ON i didn't find any that were.
Speaker 5: Equal to or less than ours for the same, services
Speaker 5: AND i saw some go all the way up to
Speaker 5: fourteen thousand dollars a, year so from about from comparable
Speaker 5: benefits from about seven hundred dollars a, month all the
Speaker 5: way up to fourteen. Thousand so you tell, me is
Speaker 5: this a deal or? Not obviously it, is And i'm
Speaker 5: more glad it. Is you know why we do, it
Speaker 5: because we want you to be the Best stuart possible.
Speaker 1: And to help you to do, that we're going to take your.
Speaker 1: Call six ten three six three eleven.
Speaker 13: Ten the opinions and recommendations expressed on this program do
Speaker 13: not necessarily represent the opinions of the station or any
Speaker 13: of the program's. Sponsors, additionally all products or services offered
Speaker 13: by the program sponsors may not be known by the
Speaker 13: program six.
Speaker 6: Ten three sixty three eleven.
Speaker 3: Ten, mark here's a great comment in our chat from
Speaker 3: what you were just saying about the.
Speaker 2: Partnership james From South.
Speaker 3: Carolina, saying fifteen years, AGO i had an advisor who
Speaker 3: charged two. Percent WHILE i was, working it seemed, Reasonable
Speaker 3: but THEN i looked and saw that it was going
Speaker 3: to be the biggest item in my retirement. Cost Financial
Speaker 3: issues is the best bargain.
Speaker 1: Ever, WELL i appreciate, That.
Speaker 5: James and here's something THAT i didn't mention in the
Speaker 5: last segment about. This we don't simply ask is this
Speaker 5: company financially attractive like a bunch of the sites. Do
Speaker 5: we also, asked CAN i own this company remain consistent
Speaker 5: with my biblical. Convictions that's something you're not getting anywhere.
Speaker 5: Else that's on top of everything. Else SO i Think
Speaker 5: Financial issues one hundred and thirty two dollars per year
Speaker 5: stacks up remarkably well with even even if you ignore
Speaker 5: The christian. Component but with, that it just blows it all.
Speaker 5: Away and you, know, YEAH i, know some of these
Speaker 5: sites they have page after page of different information that
Speaker 5: we don't. Show you, know you can go and do
Speaker 5: look at all these different stocks and their returns and
Speaker 5: all this kind of, stuff and they're technicals and all
Speaker 5: that kind of. Thing but that's stuff you can get
Speaker 5: for free on almost a hundred sites out there. Anyway
Speaker 5: so they're just putting other stuff that you, know and
Speaker 5: make it look like they offer a. Lot i'm not dissing.
Speaker 5: THEM i really appreciate a lot of these sites and
Speaker 5: what they're. Doing BUT i really do believe what we,
Speaker 5: give what we're offering and what we're, charging is an incredible.
Speaker 5: Bargain and our goal is to be better than all
Speaker 5: those other. Sites and if you have an idea what
Speaker 5: you'd like to, see don't be shy about writing in about.
Speaker 5: It we'd love to hear. That if there's something that
Speaker 5: you'd like to see on our site that you've seen on,
Speaker 5: others or that you just want for, yourself we'd love
Speaker 5: to hear about. It but the reason we're only charging
Speaker 5: what we're. Charging we get asked that question a. Lot
Speaker 5: the reason we're only charging that is because that barely
Speaker 5: covers the development costs of what we, do for, one
Speaker 5: but we want to keep it low enough that anybody
Speaker 5: that realizes that they're a steward Of god's they've Chosen Jesus,
Speaker 5: christ they've actually submitted their lives To Jesus christ and
Speaker 5: accepted his. Salvation now they realize they're a steward and
Speaker 5: need to do the best they can with Everything god
Speaker 5: is entrusted to. Them we want to come alongside and
Speaker 5: help them to do. That no matter whether you're rich
Speaker 5: or you have a, little whether you have a lot
Speaker 5: or whether you have a, little we want to help.
Speaker 5: You you get the same, advice you get the same.
Speaker 1: Strength, yeah it's. Contourt if you.
Speaker 5: Come in and you, say, HEY i got you, know
Speaker 5: thirty two million, DOLLARS i need to.
Speaker 1: Manage how DO i do?
Speaker 5: This that makes a portfolio a little bit different than
Speaker 5: if you come in and, SAY i got three hundred
Speaker 5: and twenty DOLLARS i need to. Manage but that doesn't
Speaker 5: mean we're not going to give you the same time
Speaker 5: and advice that we would give in particular for that.
Speaker 5: Environment and we help you understand why there is a
Speaker 5: difference in how you invest with different amounts of, money
Speaker 5: just like different timeframes.
Speaker 1: And different sleep. Factors so it is a.
Speaker 5: BARGAIN i, mean Obviously i'm, biased but that's what everybody's telling.
Speaker 1: Me it's a.
Speaker 2: Bargain i'm not saying. It they're all saying it.
Speaker 7: Now they're saying it, huge, huge, Incredible AND i bet
Speaker 7: the other guys don't Do trump.
Speaker 1: Impressions that's.
Speaker 3: True Good Trump Impressions man six eleven.
Speaker 2: Ten, mark let's go To. James let's do that To.
Speaker 2: James good, Morning.
Speaker 1: James what's on your? Mind?
Speaker 4: Uh, yes, SIR i have a stock certificate in my
Speaker 4: house here that the company gave me THAT i worked
Speaker 4: for forty years.
Speaker 1: Ago, oh how, cool and this is nice.
Speaker 4: The stock in the meantime since, then it's been bought
Speaker 4: out by another. Company so now the other company essentially
Speaker 4: takes over WHAT i. Own NOW i, HAD i had
Speaker 4: misplaced the stock certificate UNTIL i moved To florida AND
Speaker 4: i found it in the. Drawer there it is the
Speaker 4: other maybe three shares of this, stock and the stock
Speaker 4: was bought out By Lockheed. Martin so, okay Should Lockheed
Speaker 4: martin be responsible to either exchange for my stock or
Speaker 4: give me a part of it or.
Speaker 5: Whatever, okay you have an investment account. Somewhere, no, Okay,
Speaker 5: well one of the things you're going to have to
Speaker 5: do is you're going to have to have that certificate.
Speaker 5: Registered if it's not, registered you go Through Usually i'm
Speaker 5: so used to having a brokerage behind me or whatever
Speaker 5: that what we would tell people to do is to
Speaker 5: call the brokerage or they would give we would help
Speaker 5: them to send these in to the brokerage to deposit
Speaker 5: them in their. Accounts and what would happen is the brokerage,
Speaker 5: say we can't deposit this because it's been bought, out
Speaker 5: and there's things you have to go, through and there's
Speaker 5: a few fees you'll have to pay twenty five fifty
Speaker 5: dollars here or there to get it registered. Properly you
Speaker 5: can do that with without, hyeh you, KNOW i guess
Speaker 5: since you don't have a broker's, account it's complicating it for.
Speaker 1: Me there is a way to do.
Speaker 5: That there's There's i'm off the top of my head
Speaker 5: forgetting the name of the organization that you could call
Speaker 5: and they could take care of this for. You but
Speaker 5: you could Call Hewlett. Packard is that who you said
Speaker 5: bought it? Up bottom?
Speaker 4: Out? Lockheed?
Speaker 5: Lockheed you could Call lockheed and ask them what what
Speaker 5: do you need to do to get this registered in
Speaker 5: your name properly so that you could sell?
Speaker 1: It or is there a way they can just redeem it?
Speaker 5: Themselves you go to the investor Relations, james CAN.
Speaker 2: I ask a follow up?
Speaker 3: Question did Did Lockheed martin by chance give you a
Speaker 3: letter of. Transmittal, no, OKAY i could say nothing From. Lockheed, yeah, Okay,
Speaker 3: YEAH i would totally agree With. MARK i THINK i,
Speaker 3: think you, know give them a call and see if
Speaker 3: they can help you get the process.
Speaker 1: Started then, yeah, yeah that would be the.
Speaker 4: First if you know how hard it is to get
Speaker 4: Into lockheed on.
Speaker 1: A, Phone, yeah that's like anywhere.
Speaker 8: Door.
Speaker 1: Yeah do you do you have an?
Speaker 4: ACCOUNTANT i, Don't.
Speaker 5: Okay, YEAH I the easiest way to do, IT i
Speaker 5: believe would be to open up a brokerage, account and
Speaker 5: THEN i would uh utilize them to make this, happen
Speaker 5: because you're gonna need To.
Speaker 1: You're gonna need to uh make copies of. This you're
Speaker 1: gonna have to have a.
Speaker 5: Medallion signature guarantee on. It there's gonna there's gonna be a.
Speaker 5: Lot it's gonna be multiple steps that you're gonna have
Speaker 5: to go. Through it would be easier if you had
Speaker 5: a brokerage account and you could do that very. Simply
Speaker 5: it doesn't cost a lot to open up a brokerage.
Speaker 5: Account you could put a few hundred dollars into a
Speaker 5: brokerage account and then call them and, say NOW i
Speaker 5: got these stock certificates AND i need to PUT i
Speaker 5: need to get these in my? Account how DO i do?
Speaker 5: That and they'll walk you through it step by. Step
Speaker 5: you'll make copies of, them you'll send the original you'll Get,
Speaker 5: uh they'll send you the forms that you need to
Speaker 5: send with. It it will make it a whole lot.
Speaker 5: Easier there's another route by going through a transfer. Agent but,
Speaker 5: uh SOMETIMES i found them a little bit cold and
Speaker 5: hard to deal. With but you could do. That that's
Speaker 5: WHY i Said i'd start with the. Company, uh if
Speaker 5: you go to the have you tried to go through
Speaker 5: their investment relationship?
Speaker 1: Department?
Speaker 4: NO i tried going to one regional office in. Town,
Speaker 4: yeah and they were. Closed nobody has ever gone in
Speaker 4: that room before doors. Locked so you, know DO i
Speaker 4: go to maybe their?
Speaker 3: Headquarters, JAMES i was going to, SAY i HAVE i
Speaker 3: found a couple of phone numbers here THAT i could
Speaker 3: maybe give to you that might be at maybe their main.
Speaker 2: Office maybe we could put you.
Speaker 5: On what we really want is the is to be
Speaker 5: in contact with the investor. Relationship but also if you
Speaker 5: would if you would just either email us put oh,
Speaker 5: no we'll put put you on.
Speaker 1: Hold and GIVE dar the.
Speaker 5: Certificate, uh what you know the company name printed on the,
Speaker 5: certificate the number of, shares and roughly what year was.
Speaker 5: Issued and maybe we could do a little research for
Speaker 5: you and send you a little email of a step
Speaker 5: by step on how to deal with sweet.
Speaker 4: Guys, yeah, sure.
Speaker 5: Thank, you happy to, Help, James god Bless, james glad
Speaker 5: you have this. Problem by the, WAY i would it's
Speaker 5: a GOOD i would definitely make a really high resolution
Speaker 5: of that. Certificate you, know they don't issue certificates, anymore
Speaker 5: very very seldom old. Certificate it's even companies out of. Business,
Speaker 5: uh there's actually auctions for these. Things so, UH i
Speaker 5: wouldn't make a very nice copy to put on your.
Speaker 3: Wall, yeah, Hey, james why don't you go ahead and Get?
Speaker 3: Darling why don't you go ahead and Give darling your
Speaker 3: phone number as.
Speaker 1: Well, sure and if we find.
Speaker 2: Anything out, TODAY i can give you a follow up.
Speaker 4: Call oh, great thank, you you got.
Speaker 1: It thank, You, james absolutely honored to do.
Speaker 5: That and, again let's, see, uh let's see the competition
Speaker 5: that is charging twelve thousand dollars a.
Speaker 1: Year do that for.
Speaker 5: You, God, james thank you for being such a great. Steward,
Speaker 5: yeah that's.
Speaker 2: Awesome six ten six three eleven.
Speaker 1: Ten.
Speaker 2: Mark ordinarily we'd be, saying, oh it's time to, go.
Speaker 1: The show's, over but it's not.
Speaker 5: Over it almost, is but it's overtime and we and
Speaker 5: this is you, know you talk about Focus, friday but
Speaker 5: overtime is Focus Focus Focus, friday where we really do
Speaker 5: love and we get to go into.
Speaker 1: Depth in your questions because we have a half an
Speaker 1: hour to answer. Them so get the phones lit up.
Speaker 1: Again six' ten three six three.
Speaker 5: Eleven ten all those people in the chat who are
Speaker 5: asking all, those questions it's time to, call in not
Speaker 5: just ask him in. The, chat cheryl why don't you
Speaker 5: give us. A call i don't remember speaking with. You
Speaker 5: before it'd be nice to hear from you and others
Speaker 5: in the chat who are asking some. Interesting question, You
Speaker 5: know cheryl's A big Wolf. FAN wulf i wonder if
Speaker 5: she really has any questions about it and if she's
Speaker 5: willing to call in to.
Speaker 1: Discuss it so we'll be right back.
Speaker 5: AFTER this i want to thank everybody who has to go,
Speaker 5: away though for being. With us stay with us at
Speaker 5: financial issues dot org. For overtime if you're not, there
Speaker 5: yet get there financial issues.
Speaker 1: Dot org otherwise we'll See. YOU monday i really appreciate
Speaker 1: your love For. THE lord i really.
Speaker 5: Appreciate the way you honor him by investing with. Biblical
Speaker 5: integrity god bless. You all will see you either in
Speaker 5: thirty seconds or in a couple, of days. Your choice
Speaker 8: If we ever forget that we're one Nation, under god
Speaker 8: then we will be a nation