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 you the practical tools and advice you need
Speaker 1: to become a biblically responsible investor.
Speaker 2: This is Financial Issues, where we help you defund darkness
Speaker 2: and fund the light by investing with biblical integrity. Great
Speaker 2: to be here with you on Focus Friday overtime later here, folks. Also,
Speaker 2: you know we check in on our health with doctors, visits,
Speaker 2: our cars, with periodic inspections.
Speaker 3: But what about our finances.
Speaker 2: I think today's a good day to do a midyear
Speaker 2: checkup on our finances for twenty twenty six. I'm Sethiinsky,
Speaker 2: Sam case over in the control room, and here's your host,
Speaker 2: Mark Manila.
Speaker 4: Good morning everyone, Welcome to Financial Issues. Glad you're with us.
Speaker 4: As we do begin talking about a midyear checkup, It's
Speaker 4: going to be fun. I'm looking forward to take a
Speaker 4: deep breath now, breathe normal, hopefully more enjoyable than a doctor.
Speaker 3: I hate going to the doctor, so me for our listeners.
Speaker 3: That's good.
Speaker 2: Hey Mark, why don't we open our show though with
Speaker 2: our verse of the week first it get it sounds.
Speaker 4: Good, Luke sixteen to ten. He who is faithful, and
Speaker 4: what is least is faithful also and much, and he
Speaker 4: who is unjust, and what is least is unjust also
Speaker 4: and much. I hope that you've been able to meditate
Speaker 4: on this a little bit this week. You know, the
Speaker 4: second half of it really hit me more so than
Speaker 4: the first half for some reason this time around. And
Speaker 4: it's the unjust in what is least is unjust usco
Speaker 4: and much. If you think about investing and you think about, well,
Speaker 4: it doesn't matter. I know this is on the cell
Speaker 4: list now because of BRI violation, but I've held.
Speaker 5: It for this long. What's it going to hurt now
Speaker 5: type of thing?
Speaker 4: Does that give us an indication seth of Maybe a
Speaker 4: little compromise also will cause us to have big compromises.
Speaker 2: Yeah, that's exactly right, Mark. I mean, well, that's why
Speaker 2: we see so many warnings in the scriptures about this.
Speaker 2: If you're willing to compromise on the little stuff, there
Speaker 2: is nothing stopping you from compromising on the big stuff.
Speaker 2: And Mark, that's not to say that the big stuff
Speaker 2: is more important than the little stuff, because it's big.
Speaker 3: What it really comes down to is a matter of
Speaker 3: the heart.
Speaker 2: If you're going to compromise on things that are small,
Speaker 2: or even on private matters, you're going to compromise in
Speaker 2: public as well. It's ultimately about having a pure heart.
Speaker 3: I believe the.
Speaker 6: New Testament warns all the time about not hardening your heart.
Speaker 6: And this is how you harden it is by little
Speaker 6: little slip ups, little giving in to temptation here and there,
Speaker 6: and that's how you lead to the road of destruction.
Speaker 6: And that's one of the things that's warning about in
Speaker 6: this verse.
Speaker 5: H well sided, gentlemen.
Speaker 2: Yeah, good stuff, folks. If you want to chime in
Speaker 2: on this verse or whatever we talk about today. By
Speaker 2: the way, the number six ten three six three eleven ten.
Speaker 2: Again it's focus Friday, so we want to hear from
Speaker 2: all of you. Six' ten three six three eleven. Ten all, Right,
Speaker 2: mark let's head to the doctors here for our check in,
Speaker 2: halfway so you know we we Tend. MARK i, find
Speaker 2: in my experience, anyway to look deepest at our personal
Speaker 2: financial health at certain times in our life. Cycle for,
Speaker 2: example on the cusp of a big financial, decision if
Speaker 2: you're about to buy a, house you tend to look at,
Speaker 2: it or maybe at the beginning of the new year
Speaker 2: we Do New year's, resolutions maybe during tax, season BUT
Speaker 2: i think we should also mark ad the halfway point
Speaker 2: of every year as a good time to do this deep.
Speaker 2: Dive it's halfway through the year we can check up
Speaker 2: on our. Goals So, mark let's kick it off. There
Speaker 2: what are some of the most important questions that we
Speaker 2: should be asking ourselves as we kind of comb through
Speaker 2: and assess our financial health halfway through the.
Speaker 4: Year, oh that's a good question about, Questions, Suth thank. You,
Speaker 4: YEAH i think the most important one is to ask
Speaker 4: yourself what's changed since the beginning of the, Year because
Speaker 4: almost in everyone's life something has, Changed maybe not major,
Speaker 4: changes maybe they're, small but has has your income gone
Speaker 4: up or gone?
Speaker 5: Down has purchasing gone?
Speaker 4: Up has there been new things come into your life
Speaker 4: that need financial? Attention what has changed since you set
Speaker 4: your goals at the beginning of the, year since you
Speaker 4: reviewed your finances at the end of last year and
Speaker 4: adjusted your taxes and everything is what has? Changed that's
Speaker 4: probably the most important question you could.
Speaker 5: Ask how have you?
Speaker 4: Changed how has your attitude changed to what the goals
Speaker 4: you have set for the shorter, term the one year
Speaker 4: that what has changed is the most important, QUESTION i
Speaker 4: believe and.
Speaker 2: Mark so that would then include looking back in the
Speaker 2: last six months perhaps and, saying how has my life
Speaker 2: changed to you, know maybe you had a baby in
Speaker 2: the last six, months or maybe you had a job
Speaker 2: change that's going to require some, checkout.
Speaker 4: All, right or maybe you got involved in ministry and
Speaker 4: the way you haven't, before it's changed the way you
Speaker 4: need to stewart What god has entrusted to you to
Speaker 4: make things. Happen it may actually have caused you to
Speaker 4: drop some of the goals you had or to change
Speaker 4: Those and if, so how does that affect what you
Speaker 4: Believe god wants for you in the finances that you.
Speaker 5: Have so if you.
Speaker 4: Start start off by making a, list what's changed in
Speaker 4: the last year that could affect my stewarding of my
Speaker 4: life at this point and a few few areas THAT
Speaker 4: i think, about you, know outside of those things like
Speaker 4: oh we had a new, baby or, oh you, know
Speaker 4: a tree fell on our house and we've been living
Speaker 4: in an.
Speaker 5: Hotel you, know.
Speaker 4: Outside of those ye catastrophic, changes what about my? Giving
Speaker 4: did my income go? Up HAVE i increased my? Giving
Speaker 4: did my income go? Up HAVE i adjusted my? Taxes
Speaker 4: has my income gone? Down HAVE i adjusted these things
Speaker 4: so That i'm not overpaying the government and lending them
Speaker 4: money at zero percent interest to get it all back
Speaker 4: at the? Beginning what about? Debt has my debt been
Speaker 4: coming down or as going? Up what is changing in
Speaker 4: my debt and anything else that you decided on at
Speaker 4: the beginning of the, Year like maybe you had made
Speaker 4: a commitment to give, More maybe you had made a
Speaker 4: commitment to.
Speaker 5: Save.
Speaker 4: More maybe it had made a commitment to pay down debt.
Speaker 4: More are you on? Track what's? Changed that would be
Speaker 4: the second question That i'd be. Asking AM i on
Speaker 4: track for WHAT i set as priorities at the beginning
Speaker 4: of the.
Speaker 2: Year, yeah it's, Good. Mark, Now, mark how about? This
Speaker 2: how do we strike the right balance between, good careful
Speaker 2: scrutiny of our finances where we're really combing through and
Speaker 2: we're making sure we're keeping, thinks crossing all our t's
Speaker 2: dotting all our, eyes but then also freely and open
Speaker 2: handedly operating under the grace Of god when we do these.
Speaker 4: Checkups, oh, well you, know there's no need for guilt or.
Speaker 4: SHAME i, mean the whole idea is life is a
Speaker 4: journey and you can't plan for.
Speaker 5: Everything you take a step and the world is.
Speaker 4: Different you, know you take a step over a rock
Speaker 4: and you're on the other side of the. Rock things are.
Speaker 4: Different as, such we should be constantly. Evaluating but there's
Speaker 4: a consciousness to stopping going before The lord and, saying.
Speaker 5: Okay, lord HERE i. Am.
Speaker 4: NOW i got to the top of this little, HILL
Speaker 4: i didn't realize there was a bigger hill behind. IT
Speaker 4: i had set goals for little, hill but not for big.
Speaker 4: Hill help me to re establish my, goals to honor
Speaker 4: you with all that you've entrusted to. Me so every
Speaker 4: day that there's a little bit more awareness on our
Speaker 4: journey of walking in the good works That god laid
Speaker 4: for us to walk. In every day there's more, consciousness
Speaker 4: there's more, awareness there's new newness to, it and as
Speaker 4: such we shouldn't see it As. OH i set a
Speaker 4: goal of putting AWAY x amount of dollars and THEN
Speaker 4: i took in that homeless family for three, months AND
Speaker 4: i spent all that money on, them and Now i'm
Speaker 4: behind on my. Goals i'm so ashamed. HIM i, say,
Speaker 4: no of, course not one step at a. Time The
Speaker 4: lord is a light at our. Feet he doesn't show
Speaker 4: us the next twenty. Miles he just shows us the next.
Speaker 4: Step and as, such that's why we stop in the
Speaker 4: middle of the. Year that's why we stop here and, say,
Speaker 4: hey let's take a look at what's going. On one
Speaker 4: of the Areas i'd like to, highlight, though because we
Speaker 4: only got a couple of minutes left, here is. Taxes
Speaker 4: this is an excellent time to look at your pay,
Speaker 4: stubs look at your, checks and to, say, hey how
Speaker 4: are things going with my? Withholdings how are things going
Speaker 4: with My maybe you have a lot of capital gains
Speaker 4: and you haven't done any.
Speaker 5: Estimate taxes and sent them.
Speaker 4: In maybe it's time to take a look at that
Speaker 4: and adjust your taxes to so that there's no surprises
Speaker 4: at the beginning of next year when when you have
Speaker 4: to file your taxes where you're scrambling to get money
Speaker 4: to pay taxes that you didn't pay, yet or you're
Speaker 4: getting a large amount back which could have been in your.
Speaker 4: Check but starting, now if you adjust your, withholdings so
Speaker 4: now's a good time to do, that and it's not that.
Speaker 4: Complicated you look at where your income is here to,
Speaker 4: date is it where less than last? Year you take
Speaker 4: that percentage of the difference and you, say based on,
Speaker 4: that this is what my taxes were last, year and
Speaker 4: compare it to where they are now and then adjust,
Speaker 4: it and that can give you a little bit of.
Speaker 4: Peace it might give you a little extra income, too
Speaker 4: because you might be over withholding or. Under if you're under,
Speaker 4: withholding that could really give you a heartache In april
Speaker 4: of next. Year so now's a good time to adjust
Speaker 4: that and then you, know kind of glide through the
Speaker 4: rest of the year knowing your taxes are in line
Speaker 4: and not have to worry about.
Speaker 5: Them.
Speaker 2: Yeah, mark what about tax loss harvesting, too you, know
Speaker 2: keeping on the theme of. Taxes, yeah times start thinking
Speaker 2: about that as.
Speaker 4: Well it's a good time to start thinking about, it
Speaker 4: especially if you have some losers or you have some
Speaker 4: things that you're not sure what to do. With if
Speaker 4: you do have some users and they're on and they
Speaker 4: went to the cell, list well you're gonna harvest them
Speaker 4: anyway because you're gonna get rid of, them especially if
Speaker 4: they were br.
Speaker 5: Compromised you're gonna have.
Speaker 4: That but it's a time to start thinking about it
Speaker 4: and watching it because we're seeing some pullbacks, now so
Speaker 4: when we get into the third, quarter we're.
Speaker 5: Gonna start more serious about.
Speaker 4: It but maybe you could start thinking, about, hey MAYBE
Speaker 4: i should be looking at this or this or. This
Speaker 4: they don't seem to be recovering like the others, are
Speaker 4: and maybe it's time to cut my losses and harvest
Speaker 4: some harvest some tax loss to offset some of the
Speaker 4: incredible gains we almost had this. Year, hey the number,
Speaker 4: here six ten three six three eleven.
Speaker 5: TEN i know that there's.
Speaker 4: A lot going on in the, chat but you can
Speaker 4: chat directly with. Us and remember today is, overtime so
Speaker 4: let's get the calls.
Speaker 2: In hooks on This Focus, friday and we want to
Speaker 2: hear from you the number six ten three six three eleven. Ten,
Speaker 2: hey let me just tell you as, Well Mark, sam
Speaker 2: we are making good progress in Our Crossroads Kids club.
Speaker 2: Campaign we have an opportunity though here to really make
Speaker 2: up some great.
Speaker 3: Ground not that we're behind by any stretch of the.
Speaker 2: Imagination we're actually right on, schedule but we can really
Speaker 2: jump ahead of schedule with several gifts.
Speaker 3: Here so.
Speaker 2: Listen if you want to make a donation A Crossroads Kids,
Speaker 2: club you can do that at Reach ourschools dot com
Speaker 2: and get the gospel into public schools. AGAIN a gift
Speaker 2: of two hundred dollars sponsors one child for a full
Speaker 2: year in A Crossroads Kids club program at a public.
Speaker 2: School So reach Our schools dot com we got forty
Speaker 2: four kids reached so.
Speaker 3: Far that's. Awesome we're Praising god for.
Speaker 2: It our goal by the end of next Week july thirty,
Speaker 2: first is one hundred and twenty five one hundred and twenty,
Speaker 2: five so we're making good.
Speaker 3: Progress let's keep it. Going let's break it this. Weekend
Speaker 3: let's preay it two.
Speaker 6: WEEKEND i know our audience likes to give us the,
Speaker 6: tension the, suspensive but come, on.
Speaker 3: Let's just do it this week exactly.
Speaker 4: Right and what a worthy cause the gospel going out
Speaker 4: to children and going out to the, schools so public,
Speaker 4: schools which is an incredible thing to think. About and
Speaker 4: they make it so easy for churches to get, involved
Speaker 4: so that when little children do come To, christ there's
Speaker 4: a church nearby that can receive them and help them
Speaker 4: grow and walk in their. WAYS i love the, IDEA
Speaker 4: i love the idea of supporting this and this could
Speaker 4: be one of those things with that mid year, checkup
Speaker 4: is you're giving on? Track have you continued to? Give
Speaker 4: have you expanded your? Given have you embraced it? More
Speaker 4: and here's an opportunity to do. That here's an opportunity
Speaker 4: to just take a little. Bit maybe it's a lot for,
Speaker 4: some maybe it's nothing for, others but a couple one
Speaker 4: hundred dollars can bring the gospel to a, school can
Speaker 4: help bring the gospel to a. School AND i think
Speaker 4: that's to a public school and what more can we
Speaker 4: ask for than? That, YEAH i mean that's. Incredible.
Speaker 3: Amen. Mark and in case you're, wondering, folks where this
Speaker 3: money will.
Speaker 2: Go it will allow these clubs to be fully. Staffed
Speaker 2: so the well, equipped paid staff That Crossroads Kids club
Speaker 2: has will allow this clubs to be staffed and also
Speaker 2: provides gospel resources for these leaders so that they're equipped
Speaker 2: to share The home Of jesus with these. Kids great,
Speaker 2: Cause reach Our schools dot. Com that's the place to
Speaker 2: go and the goal is to open thirty new.
Speaker 4: Clubs that means thirty new public schools will have A
Speaker 4: Crossroad Kids club teaching biblical stories to, children helping them
Speaker 4: understand Who jesus was and what he did for.
Speaker 5: THEM i, mean, yeah.
Speaker 4: Praise god For, Crossword Crossroads Kids club does Praise god for. Them,
Speaker 4: amen join us as we support. Them, yeah six, ten, three, six,
Speaker 4: three eleven. Ten that is the place to go to
Speaker 4: call in join us on the, phones. Folks, Yesterday, mark everything.
Speaker 4: Dropped there was some big tech stocks that.
Speaker 2: Dropped as we talked a little bit about, Yesterday oil also.
Speaker 2: ROSE i Saw brent crude top one hundred dollars a,
Speaker 2: barrel heightened tension in The Middle, East so all the
Speaker 2: major indices were, down especially The nasdaq was down over two. Percent,
Speaker 2: however the pre markets this morning have turned around. Nicely
Speaker 2: at least they were mostly in the, green The nasdaq
Speaker 2: slightly in the. Red right, Now Oil i'm Seeing mark,
Speaker 2: Thankfully Tech West Texas intermedia is below ninety dollars a,
Speaker 2: barrel And brent crude is below ninety.
Speaker 3: Eight so that's good from where it was.
Speaker 5: Yesterday Right, well, yeah, absolutely it's the.
Speaker 4: Markets it's going to go up and, down especially when
Speaker 4: we as we have been speaking about for six months,
Speaker 4: now with the valuations of the stock prices being so
Speaker 4: high for so, long we expect. Poolbacks we expect some
Speaker 4: even possible corrections in things like tech, ai even financials.
Speaker 5: Possibility but the good news is.
Speaker 4: That money's not going all into. BONDS a lot of
Speaker 4: it is just being dispersed into other sectors of the.
Speaker 4: Economy and if you're well, diversified which we highly recommend
Speaker 4: on the, show you're seeing some of that lift.
Speaker 5: Other areas like BioMed and things like.
Speaker 4: That so, continue continue to be. Diversified don't let, it
Speaker 4: don't let it bother. You, yes we'll see some Some
Speaker 4: when we see thirty sixty percent returns in six, months
Speaker 4: you have to, expect uh that that that climb also
Speaker 4: means that there's a dip on the other. Side but
Speaker 4: if the company's made out of financial issue, still it
Speaker 4: also means that the long run is still. There the
Speaker 4: long term is. There the ride isn't over when that dip.
Speaker 4: Comes so we don't panic and jump ship unless the
Speaker 4: unless the fundamentals and the balance sheet really start decomposing as, well.
Speaker 6: Unless the wood of the ship is rotting right and you,
Speaker 6: jump or the wood on the roller coaster is, rotting,
Speaker 6: well that's that's even worse. Problem you don't even have
Speaker 6: the dinghies to get into that's, Right, Mark we've used
Speaker 6: the roller coaster analogy a lot this. Summer do you
Speaker 6: do you see any any rotting in the wood of the?
Speaker 6: Market roller?
Speaker 3: Coaster do you? Know, actually it's just a roller. Coaster
Speaker 3: it's going to go up and.
Speaker 5: Down, yeah that It that's what it's going to.
Speaker 4: Do everybody's looking for the best, deal and often a
Speaker 4: lot of, investors especially when we talk about the larger
Speaker 4: investment firms and, stuff they're constantly, shifting trying to get
Speaker 4: ahead of everybody else so that when the money pours
Speaker 4: in this, segment they're already.
Speaker 5: There so.
Speaker 4: It's like it's like imagine a million people standing around
Speaker 4: upon throwing rocks in. It one causes a ripple, effects
Speaker 4: but a million those ripple. Effects you have a million ripple.
Speaker 4: Effects some of those ripple effects cancel out, others some
Speaker 4: combine with others and cause small waves that.
Speaker 5: Rode the, bank and some.
Speaker 4: Deposit you, know it's just over and over. Again there's
Speaker 4: so much activity it's hard to. Really we really wouldn't
Speaker 4: even want to have a market that didn't have a
Speaker 4: lot of volatility in. It if we, did it wouldn't go.
Speaker 4: Anywhere what would be the use of investing in?
Speaker 3: It, well Said mark six ten three six three eleven. Ten,
Speaker 3: mark here's a good question from a listener NAMED, jp
Speaker 3: twenty five years. Old he's, Saying, hello my wife AND
Speaker 3: i are in the process of saving up to buy
Speaker 3: our first home in a few.
Speaker 2: Years that's exciting, stuff he, Says we're curious to get there.
Speaker 3: Faster so should we have the money in a high
Speaker 3: yield savings?
Speaker 2: Acount should we save the money there or should we
Speaker 2: put the money into a regular brokerage account to potentially grow.
Speaker 3: More we want to avoid taxes as.
Speaker 2: Much as we, can so should we invest IN ETFs
Speaker 2: index funds or can we use regular?
Speaker 3: Stocks Boy, mark this is a good.
Speaker 2: Question, obviously they want to get the highest down payment they,
Speaker 2: can so should they try to go faster in investing
Speaker 2: it or should they go maybe a little bit slower
Speaker 2: but safer in the highields Savings what do you?
Speaker 5: Think, no it's really. Not it's really. Not if you
Speaker 5: have a goal that's a short term, goal like a
Speaker 5: year to three, years that goal to be.
Speaker 4: Met to protect yourself to be able to meet that
Speaker 4: goal should be in A i keep it in a
Speaker 4: low risk or no risk account such as an ensured
Speaker 4: high yield savings account or something like, that and you
Speaker 4: AND i know your head's, Going, oh But, MARK i
Speaker 4: just SAID i wanted to be IN ets and SO
Speaker 4: i could get more money In, well here's the. Deal
Speaker 4: there's no guarantee, there and as a matter of, fact
Speaker 4: where we're at in the, market there's probably just as
Speaker 4: much possibility that you'll end up with less money than
Speaker 4: you're starting.
Speaker 5: With so you don't want that to. Happen it'd be.
Speaker 4: Terrible to get two years down the road and it's
Speaker 4: and you find the house you, want but the markets
Speaker 4: are on a serious pullback or or, correction and you've
Speaker 4: lost ten percent of down. Payment now you have to
Speaker 4: go find a way to make up that extra ten
Speaker 4: percent to get the house that you. Want short term
Speaker 4: goals need to be in protected, accounts protecting against market
Speaker 4: swings and things like that.
Speaker 5: We just talked.
Speaker 4: About we just talked about the roller coaster of the. Markets,
Speaker 4: remember the markets are a. Jungle they're not. There They're
Speaker 4: they're not like Disney. Land they're not a padded protected
Speaker 4: place to go to have a little. Fun the markets
Speaker 4: are there to steal you blind if they. Can lions
Speaker 4: and tigers and bears are there to each you live
Speaker 4: if they, Can so you don't want to go into
Speaker 4: the markets with something that you need in the very near.
Speaker 4: TERM i would not put this, money this house money
Speaker 4: into individual stocks or ats or index.
Speaker 5: Funds those those can be.
Speaker 4: Great for longer term, investing but not for shorter term
Speaker 4: goals where you're going to need that. Money AND i
Speaker 4: wouldn't let the idea meant and something about taxes in, THERE.
Speaker 2: I.
Speaker 4: BELIEVE i wouldn't let worrying about taxes be a big.
Speaker 4: Deal the taxes aren't a big. Deal the stock market has,
Speaker 4: taxes the savings account has. Taxes don't let that drive
Speaker 4: where you put the. Money, uh it's just a, percentage
Speaker 4: that's all it. Is so when we go into investing
Speaker 4: their savings or anything that the government will have their
Speaker 4: fingers in. It we know that going, In so don't
Speaker 4: get bothered by. That know that this is your. Term
Speaker 4: you're putting money away to get it to increase your,
Speaker 4: lifestyle to give you a better, lifestyle hopefully your family better,
Speaker 4: protection and instead of of renting where your money doesn't
Speaker 4: go to being an.
Speaker 5: Owner ownership is part of developing.
Speaker 4: Wealth now you'll be an owner and you'll start developing
Speaker 4: wealth in your house as it. Appreciates this is a good.
Speaker 4: Thing so don't get, risky don't get ahead of yourself on.
Speaker 4: It be safe and saving up for that.
Speaker 3: House, mark that's, great you. KNOW i see In jp
Speaker 3: a desire to grow this money as quickly as he.
Speaker 3: Can but the growth that, DOESN'T i, mean the growth
Speaker 3: can Come, mark to use kind of a term the
Speaker 3: old fashioned, way where you are adding to.
Speaker 2: It you are the one adding to. It you're not
Speaker 2: relying on the markets going. Up you are the one
Speaker 2: adding to it and making it. Grow and it's making
Speaker 2: a little bit of interest in that high yield, savings
Speaker 2: but the main bulk of the growth is you putting
Speaker 2: that money, away filling up that mode as much as you,
Speaker 2: can like we, like we talk about, Often, mark and
Speaker 2: it seems to me like there's you, know there's those
Speaker 2: two ways that we try to grow our. Money one
Speaker 2: could be through the, markets the other is us doing
Speaker 2: it ourselves and you doing it yourself just seems to
Speaker 2: be the way to.
Speaker 3: GO i totally, Agree, mark for those short term.
Speaker 4: Things if this is a true, Goal if this is
Speaker 4: a true, goal if this is for, real you really
Speaker 4: want to be in a. House let's say in two,
Speaker 4: years you have to figure out what you're willing to
Speaker 4: pay for a. House, yeah and you have to figure
Speaker 4: out what that down payment will. BE i would look into.
Speaker 4: Mortgages i'd look into all sorts of mortgages so you
Speaker 4: can determine and then put and then start saving one
Speaker 4: twenty fourth of that a month if you, can or.
Speaker 4: Whatever the balance has a one to twenty fourth of
Speaker 4: that less the balance you already have type of. Stuff
Speaker 4: if this isn't a true, goal if this is kind
Speaker 4: of a hope or a dream and maybe.
Speaker 5: You'll get to, it you could go into the market with.
Speaker 4: That and then in three, years if your investments have
Speaker 4: increase in stuff and you still want to buy a
Speaker 4: house and you find, one, great but be ready to, say,
Speaker 4: ooh my, dream my bubble is busted in case the
Speaker 4: markets do pull back or crash or or whatever you
Speaker 4: want to call it at that, time and you and
Speaker 4: to a point to where you now don't have that down.
Speaker 4: Payment if it's not a full on, goal if it's
Speaker 4: just a dream or a, hope you could you can
Speaker 4: approach it like. That but if it's a, goal and
Speaker 4: if you believe that's Where god wants. You then you
Speaker 4: need to be safer with that.
Speaker 3: Money, Amen well Said, mark appreciate.
Speaker 4: THAT.
Speaker 2: Jp it's a great, question And god bless you on
Speaker 2: trying to find that.
Speaker 3: Home that's awesome.
Speaker 2: Stuff six ten three six three eleven. Ten, Hey, Mark
Speaker 2: i'll just tell our listeners one more. Time reach our
Speaker 2: schools dot. Com go make a donation To Crossroads Kids.
Speaker 2: Club reach Our schools dot.
Speaker 5: Com, absolutely And ath you have to leave. Us we
Speaker 5: look forward to seeing you.
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Speaker 2: Ten Focus, Friday, mark let's kick it. Off several partners
Speaker 2: in our chat, yesterday we're asking about Pax Stock patria
Speaker 2: what's going on with?
Speaker 4: It?
Speaker 3: Again several people were like concerned about it a little bit. Yesterday.
Speaker 3: SAM i don't know if you remember some of those
Speaker 3: comments yesterday as, well but there seemed like there was some.
Speaker 3: CONCERNS i, mean.
Speaker 6: It was, basically is packs gonna make?
Speaker 5: It?
Speaker 6: Yeah that Was they didn't give too much. Context that
Speaker 6: was the. Question so what's going?
Speaker 4: On? Mark, yeah you, Know, UH pas has really had
Speaker 4: a little bit of a rough, time but, uh it's
Speaker 4: a strong company.
Speaker 5: Still, uh let's see what We're is it still a?
Speaker 3: Buyer is it just a it's still a buy as
Speaker 3: of right, Now, mark still.
Speaker 6: By that's WHAT i thought about thirty four percent for
Speaker 6: the past six. Months i'm not sure if that's what
Speaker 6: they're concerned. About why would that CONCERN i don't, know
Speaker 6: people get riled up about all kinds of.
Speaker 5: Things you, know that seems. Silly, no you, know they
Speaker 5: had their. STRENGTH i would NOT i would not panic on.
Speaker 4: THIS i WOULDN'T i wouldn't put any more money into
Speaker 4: it at this. Time BUT i would wait because there
Speaker 4: is strength there AND i see it as a long term,
Speaker 4: issue a long term, buy not, ah not a just
Speaker 4: get in and out of. It because they pulled back
Speaker 4: hard or. Whatnot they've gone through some private equity, stuff
Speaker 4: and it's.
Speaker 5: A little bit OF.
Speaker 4: I don't know how best to explain. It i'd say
Speaker 4: That i'm very. Comfortable here's the way to look at.
Speaker 4: It if you're looking at the stock and you're going
Speaker 4: through the, fundamentals and you're going through it all right,
Speaker 4: now and and you look at it and you don't
Speaker 4: own it, yet would you be looking at this as
Speaker 4: a buy or a hold or a? SELL i, mean
Speaker 4: would you look at it for the first. Time would you, say,
Speaker 4: Hey i'd like to own that. Stock it's at a
Speaker 4: reasonable price now and it's paying a decent. Dividend or
Speaker 4: would you, Say i'm staying away from this this thing
Speaker 4: it's fundamentally. Ugly, well it's not fundamentally. Ugly it actually
Speaker 4: has some good numbers to. It So i'm saying it's
Speaker 4: still by and we ought to stay.
Speaker 6: There it's a good perspective, too looking at it. Fresh
Speaker 6: what's it doing right now? Today WOULD i buy it?
Speaker 6: Now that's that's really good exactly for. Sure good stuff
Speaker 6: partners who are wondering about. Packs hopefully that can help
Speaker 6: you out a little bit.
Speaker 4: There that's after you stop the bleeding from the thirties.
Speaker 2: Exactly right, Again, mark there that's the roller coaster right right.
Speaker 2: There tually all, Right, Mark we had two questions here From.
Speaker 2: Jack he's eighty one years. Old faithful. Partner, jack we
Speaker 2: appreciate your. Partnership first, Question, mark he's, Saying i've been
Speaker 2: away from My fison portfolio tracker for a couple weeks,
Speaker 2: now but WHEN i got into it earlier this, week
Speaker 2: my stocks which we're in alphabetical order now or? Not
Speaker 2: could you please explain? Why, MARK i can actually address
Speaker 2: this For jack And. Jack i'm glad you brought this.
Speaker 2: Up this is likely due to our new tagging. Feature
Speaker 2: jack and so this is actually a very very good.
Speaker 2: Thing but what happened is when you went into your,
Speaker 2: portfolio you probably went into it after we made this.
Speaker 2: Update so we now have a brand new update on
Speaker 2: our portfolio tracker for our partners where you can now
Speaker 2: tag your different. Holdings you can put them into different
Speaker 2: types of, investments like if you have certain things in
Speaker 2: a four oh ONE k versus in say your regular
Speaker 2: brokerage account or your ROTH, ira you can now tag
Speaker 2: them into those. Things it's very similar to our old
Speaker 2: drag and drop feature that we.
Speaker 3: Had but what.
Speaker 5: Could, yeah you.
Speaker 4: Could you could tag them as tax, deferred tax, free or,
Speaker 4: taxable and you could put all your holdings tag each
Speaker 4: of those, holdings or you could do it by. Account
Speaker 4: it could be spouse's, account my, account kids. Account, yeah
Speaker 4: you can do it any way that works for, you
Speaker 4: which is really.
Speaker 5: Cool.
Speaker 3: Exactly it's a great new feature that we.
Speaker 2: Have and so what probably, Happened jack is when you
Speaker 2: went into, it they were they were now in the
Speaker 2: order that they, are you, know tagged in it might
Speaker 2: it was it was one of the different, orders, which
Speaker 2: by the, way you can also actually still alphabetize them
Speaker 2: too if you go onto The Portfolio tracker and just
Speaker 2: hit that symbol button there you can if you click,
Speaker 2: that it then alphabetizes them in order FROM a TO,
Speaker 2: Z so you can still do that as.
Speaker 5: Well, so, seth that was the in the. Update it
Speaker 5: just rearranged.
Speaker 3: Exactly that's exactly.
Speaker 5: What, yeah sometimes that stuff.
Speaker 3: Happens, yeah, absolutely SO.
Speaker 5: I think didn't you send out an? Email Did?
Speaker 3: Yeah, partners make make sure that you check your.
Speaker 2: Emails we sent out some instructions on this and we
Speaker 2: created a nice little helpful video for you as, Well
Speaker 2: so if you've got questions for, it you can reach
Speaker 2: out to.
Speaker 3: Us but hopefully that gives you all the.
Speaker 2: Information that you. Need it's just another tool at your.
Speaker 2: Disposal it might Not. Mark this tagging feature also might
Speaker 2: not be applicable for all PARTNERS i, find particularly for
Speaker 2: partners with a large portfolio that might have different types of. Accounts,
Speaker 2: again like the four oh ONE k and the ROWTH
Speaker 2: i ray and the brokerage might be a little more
Speaker 2: helpful for you all than for those who might just have.
Speaker 2: One but it's there for you to be able to,
Speaker 2: use which is great in any way you. Want, yeah, Exactly, Okay.
Speaker 2: Mark Here's jack's second. Question so he's, SAYING i book
Speaker 2: a talenteer for about one hundred and seventy five a
Speaker 2: share on recommendation a few months, back and it's now
Speaker 2: down to one twenty five a.
Speaker 3: Share is it time to hold or time to? Sell
Speaker 3: what should he?
Speaker 2: Do jack's not asking, This, mark But i'm wondering If
Speaker 2: i'm in jack, shoes is it time to buy?
Speaker 3: More what do you? Think what should he?
Speaker 5: Do?
Speaker 4: Well it's On, JACK i maintain a hold On palleter
Speaker 4: rather than sell simply because you, know just because the
Speaker 4: stock is pulled back doesn't mean that it doesn't have
Speaker 4: what it needs for long term. Growth for long term
Speaker 4: to be a benefit to you in the long, term
Speaker 4: the business fundamentals really remain. Strong let's, see first quarter
Speaker 4: revenue grew eighty five. PERCENT us revenue more than. Doubled,
Speaker 4: okay we see.
Speaker 5: Wow paling to.
Speaker 4: Our second quarter report is scheduled For august, Third so
Speaker 4: if you can't, wait if you're really, concerned at least
Speaker 4: wait Till august third to see what the report. Done
Speaker 4: the main CONCERN i have with it is its valuation
Speaker 4: at approximately one hundred and twenty three dollars per. Share
Speaker 4: it's trading near one hundred and thirty times thirty nine
Speaker 4: times trailing. Earnings NOW i usually look at the forward,
Speaker 4: earnings but it helps to look at the trailing earns, too.
Speaker 5: So you want to be careful with. That but the
Speaker 5: other factor THAT i would take into this is your.
Speaker 5: Age you mentioned that you're eighty.
Speaker 4: One if you're leaving, this if this is part of your,
Speaker 4: inheritance if that's your goal for, THIS i don't see
Speaker 4: any reason not to maintain and hold it right.
Speaker 5: Now if on the other.
Speaker 4: Hand you need this money for, income you need the
Speaker 4: money FOR uh to supplement your, lifestyle then maybe you
Speaker 4: should be moving towards a less aggressive. Portfolio and if that's,
Speaker 4: true then sell a portion of. It, now sell a,
Speaker 4: portion you, know take take the next quarter to release
Speaker 4: yourself from this and move it into more of a growth.
Speaker 5: And income or income portfolio type of.
Speaker 2: Allocation, awesome love that that's great. Stuff, jack appreciate those questions,
Speaker 2: There Brother. MARK a great comment from our chat yesterday
Speaker 2: and From alabama was, SAYING i think Bringing god's word
Speaker 2: into the, schools such as With Crossroads Kids, club is
Speaker 2: an anti communist.
Speaker 3: Measure, Amen we're depending On, god, wow and not the.
Speaker 3: Government And crossroads and anti.
Speaker 4: Communist what a perspective THAT i haven't thought about on.
Speaker 4: That you, know getting the gospel anytime we get The gospel,
Speaker 4: out it's anti, communist isn't? It because communism is Anti.
Speaker 4: God So christianity is anti. Communism it PRETTY i know
Speaker 4: a lot of people, say, Well christianity really doesn't have
Speaker 4: a temporal, structure societal structure behind, It and that's. True you,
Speaker 4: know we can Be christians In, china we can Be
Speaker 4: christians In, america we can Be christians In. Iran the
Speaker 4: difference is the different the different, governments the way they
Speaker 4: allow you.
Speaker 5: To to embrace your.
Speaker 4: Faith but at the same Time christ came, under he
Speaker 4: came into a society and Brought grayson under a society
Speaker 4: that persecuted him even onto.
Speaker 5: Death so even though.
Speaker 4: Even though we're not saying That christianity is a, Republican
Speaker 4: republican OR, usa what we are saying is That god is,
Speaker 4: love and those governments that lean more towards love than
Speaker 4: not are more in line With god's principles of, love
Speaker 4: Of god's principles of, grace Of god's principle of, justice
Speaker 4: And god's principle of.
Speaker 5: Salvation so we by bringing The.
Speaker 4: Gospel to the, schools we actually are bringing people into
Speaker 4: a relationship with The One True, god and that will
Speaker 4: strengthen them no matter what government they end up.
Speaker 5: Under.
Speaker 2: Amen you, Know, MARK i think about this in the
Speaker 2: inverse with that as. Well communism in and of itself
Speaker 2: is it's not.
Speaker 3: Just a political philosophy or social. Philosophy it's very much.
Speaker 3: Religious it's a worship of the. Government so it is
Speaker 3: in that sense Anti christian. Absolutely, WELL i.
Speaker 6: Was just looking Up, dostaevsky the Famous Christian russian. Novelist
Speaker 6: he was very critical of, socialism and he, said is
Speaker 6: before all things the atheistic, question the question of The
Speaker 6: tower Of babel built Without, god not to mount to
Speaker 6: heaven from, earth but to set up heaven on.
Speaker 5: Earth that's.
Speaker 3: Socialism, yeah you, go very.
Speaker 4: Interesting, yeah but and thank you so much for. That
Speaker 4: that's really interesting what you brought up. There there's so
Speaker 4: many cures that are needed in this, world and we
Speaker 4: look to, men we look to, governments we look to,
Speaker 4: organizations but the biggest cure we could have is getting
Speaker 4: The gospel, out because the more people who embrace the
Speaker 4: truth About Jesus, christ how he died on the cross
Speaker 4: for our sin and rose, again and how we have
Speaker 4: everlasting life because of that and The Holy spirit in our,
Speaker 4: life that is the answer to. Everything the more people
Speaker 4: who come To, christ the better and the better this
Speaker 4: world will. Be and at some Time he will turn
Speaker 4: and he will show us what that truly. Means i'm
Speaker 4: looking so forward to, that and hopefully you are. Too
Speaker 4: maybe you have opinion on this six' ten three six
Speaker 4: three eleven ten six ten three six three, Eleven ten
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Speaker 7: do not necessarily represent the opinions of the station or
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Speaker 7: the program six.
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Speaker 4: To.
Speaker 2: Go mark we have a follow up Here from Scheryl
Speaker 2: in ohio saying it's good to KNOW. About PACs we
Speaker 2: talked about it in the last SEGMENT pa x as the.
Speaker 2: Stock symbol, SHE said i was ready. TO bail i
Speaker 2: probably got it about six. Months ago might be a
Speaker 2: bargain NOW should i dollar? Cost average what do?
Speaker 4: You?
Speaker 3: Think, mark yeah the stock.
Speaker 4: Has, fallen absolutely but it's still a bye that's the,
Speaker 4: thing here at least in our opinion. It is and
Speaker 4: if you if you don't, hold it there's no reason
Speaker 4: not to. GET into, i mean look at we're.
Speaker 5: The uh.
Speaker 4: The shares are provided almost a six percent yield at
Speaker 4: this multiple, right now that's.
Speaker 5: PRETTY good i have no problems.
Speaker 4: With it if if.
Speaker 5: You don't, Own it i'd.
Speaker 4: Go ahead i'd feel comfortable with you buying in just just,
Speaker 4: YOU know i would take time to buy in maybe
Speaker 4: half of a, purchase now half a purchase in, a
Speaker 4: Month but i'd, also maintain maintain it is a by
Speaker 4: if you if you already, have it there's no reason
Speaker 4: to run away. From it it has a its what
Speaker 4: it needs to be a long. Term investment that's the
Speaker 4: bottom line. On.
Speaker 2: It awesome daryl's asking a Similar question Mark in Texas.
Speaker 2: About palenteer since earnings are coming, up soon as, you
Speaker 2: mentioned would it be prudent to place a stop loss
Speaker 2: in case earnings are bad but you still have the
Speaker 2: holding off earnings, are positive or do you play with,
Speaker 2: covered calls. ET cetera i know it's getting into a
Speaker 2: little bit of the weeds of some of the tools
Speaker 2: of investing that, We, have mark but what would you
Speaker 2: Say to, Daryl.
Speaker 4: There darryl stop losses can be a good tool to
Speaker 4: use if.
Speaker 5: Used wisely you have to stay on top.
Speaker 4: Of them, but remember if this is a stock you
Speaker 4: want for the, long term you could if you put
Speaker 4: a stop loss on it and it has a, bad
Speaker 4: day you could be stopped out. Of it do you
Speaker 4: want to have to rebuy it in in a day
Speaker 4: or two or a week or, a month when you
Speaker 4: start seeing a trend change.
Speaker 5: On it there's nothing wrong.
Speaker 4: With that but, in general we're trying to make portfolios
Speaker 4: manageable to where you don't have to. Live it if
Speaker 4: you're going into your computer every day and you're working on,
Speaker 4: your portfolio stop losses can.
Speaker 5: BE useful i.
Speaker 4: Used to use THEM when i managed portfolios millions upon millions,
Speaker 4: of DOLLARS and i would use. Stop losses but ONE
Speaker 4: year i got stopped out of so many positions just
Speaker 4: on one day.
Speaker 5: Dips crazy dips that HAPPENED that.
Speaker 4: I decided it. Wasn't worth it wasn't worth the energy to.
Speaker 4: Do it trailing, stop losses if you're familiar. With those what,
Speaker 4: happens is let's say we're on a positive trim with.
Speaker 4: A stock as a stock's, going up maybe it gets
Speaker 4: above above an area where you're comfortable with the price and.
Speaker 4: Keeps going you could put a trailing stop loss so
Speaker 4: that if it does come down a, certain percentage it.
Speaker 4: Sells off problem with, that is if there's some meme
Speaker 4: stock action on that or some craziness, goes on it
Speaker 4: could drop further than you wanted. To drop before it,
Speaker 4: sells off so you could sell it could sell off
Speaker 4: a lot lower than you expected even though your trigger.
Speaker 4: Was here it may not sell off, to here so
Speaker 4: you got to be careful.
Speaker 5: With them.
Speaker 4: That's all stop losses can be a good idea in,
Speaker 4: many cases but it's a good idea for those who
Speaker 4: want to be looking at their portfolio. The time for long,
Speaker 4: term investors it's not that big. A deal if the
Speaker 4: company has a financial issues steal and it has the
Speaker 4: potential still, built in no reason not to just ride it.
Speaker 5: On, through yeah.
Speaker 3: That's.
Speaker 2: Great mark jumping back to our, Socialism conversation Claude, from
Speaker 2: louisiana one of our, faithful listeners brilliant. Comment here socialism
Speaker 2: is the quest To. Recreate eden it, Really. IS claude,
Speaker 2: i mean you talk about the desire for utopia, and
Speaker 2: perfection except you're looking for it in the wrong places
Speaker 2: and with the.
Speaker 4: Wrong.
Speaker 2: Ways mark we are promised A recreated eden in the
Speaker 2: new heavens and The, new earth by the Hand, of
Speaker 2: god not by the hand of.
Speaker 3: Any Government what? Christ's?
Speaker 4: UTOPIA christ i ain't just everything in, My, Body claude
Speaker 4: please forgive me for the lack of. Proper words but
Speaker 4: everything in my body totally rejects.
Speaker 5: What you just.
Speaker 4: SAID there i don't believe socialism's quest TO recreating i
Speaker 4: think it's a quest for elitists to gain control over
Speaker 4: the masses and enslave the masses and give them, just
Speaker 4: enough just enough so that they stop complaining or they,
Speaker 4: don't riot just enough so that they can, work hard
Speaker 4: just enough so they can so they.
Speaker 5: Can create socialism isn't a. Fair society neither.
Speaker 4: Is communism it's elitist reigning control over the rest of
Speaker 4: society and telling the rest of society be happy with
Speaker 4: air conditioning only three hours out of, the day be
Speaker 4: happy with electricity only twenty hours out of, the day
Speaker 4: be happy with. These, things meanwhile the elitists live in
Speaker 4: giant houses with air conditioning running and servants running around
Speaker 4: and eating the best of the food and doing all
Speaker 4: the all the things you don't see, the socialists, the
Speaker 4: leads those, running socialism giving up anything while the rest
Speaker 4: of society does to supply them what they need and
Speaker 4: to work for for, petty wages instead of giving you
Speaker 4: the opportunity to rise.
Speaker 5: ABOVE that.
Speaker 4: I disagree i don't believe it's a quest to re
Speaker 4: create It, MARK eden i think it's a quest to.
Speaker 6: Dominate, people well there's the quest of what it is
Speaker 6: in practice and what it is.
Speaker 3: In theory it's it's what is.
Speaker 2: Falsely promised, is yes but what it, Actually, is mark
Speaker 2: is exactly what you said is it's elites just. Running
Speaker 2: everything it's how they how they fool so many, people
Speaker 2: though is, they, promise hey if you make, it free
Speaker 2: it'll be, all free it'll. Be utopia they. Never, deliver
Speaker 2: right we.
Speaker 4: Weren't created we weren't created to live on a little bit,
Speaker 4: or nothing or or to just go only work, so
Speaker 4: much or to be, you know when you pay people to,
Speaker 4: be unproductive they believe. They're unproductive if you pay people to,
Speaker 4: be worthless they start believing. They're worthless if you pay
Speaker 4: people to, sit still they'll they'll eventually never. Move again
Speaker 4: what happens with socialism and and uh with with communism
Speaker 4: is they just give you enough so that you have
Speaker 4: you don't complain about, your stomach and you have. Just
Speaker 4: enough but you never, Realize peace you never. Realize joy
Speaker 4: is think about this when when the When The berlin wall,
Speaker 4: came down how many people ran from from The free
Speaker 4: germany into The communist, germany nobody you know why because
Speaker 4: they all had hope in Freedom. In christ so on the,
Speaker 4: one side on the, other side they had. No hope they,
Speaker 4: felt useless they. Were depressed it, was ugliness it, was dark.
Speaker 6: YOU, Know, I mark i think you were deceived by
Speaker 6: the lives of, the bourgeoisie and you might have to
Speaker 6: be taken down at the Coming as sam, capitalist lies, capitalist, lies,
Speaker 6: right uh and you never. See people why don't we
Speaker 6: have mass Exodus from america to all these communists and
Speaker 6: socialist countries that are.
Speaker 5: Running around why don't we have.
Speaker 4: That happening why even the people who are here illegally.
Speaker 4: Won't leave they'd rather stay here illegally than to go
Speaker 4: back to their socialists or. Communist countries why because you lose,
Speaker 4: all Hope because god is not welcome in.
Speaker 5: Those places because the.
Speaker 4: Truth that we were created to, be producductive and when we,
Speaker 4: are productive we feel the joy Of the lord, on us,
Speaker 4: in us, on us. Around us we just embrace the
Speaker 4: joy and peace Of the lord when we're as Productive
Speaker 4: as he has created us. To be the more we
Speaker 4: walk in those, good works the more we labor in those,
Speaker 4: good works the more we feel his joy and. His
Speaker 4: peace we weren't made to sit still and do the
Speaker 4: least you can do so that a handful of elitists
Speaker 4: can live.
Speaker 5: Like kings that's not the way we.
Speaker 4: Were, made yes there will, be Kings and god does
Speaker 4: put him on, the Throne but he has given us something,
Speaker 4: very special and that's the ability to realize the Potential
Speaker 4: that he created. In us and in, doing so we
Speaker 4: don't just, glorify him but we feel that glory in
Speaker 4: ourselves and we get to. Participate it it's a. Wonderful
Speaker 4: thing that's why we teach. Stewardship here that's why we teach.
Speaker 4: Investments stewardship that's why we teach. Financial stewardship that's why
Speaker 4: we teach. Citizens stewardship that's why we teach. Relationships stewardship
Speaker 4: it's because we were Created by god to be, great
Speaker 4: stewards to do the best we can With what he has,
Speaker 4: given us and do So to.
Speaker 5: His glory and when we.
Speaker 4: Do that that's where the joy and peace of being
Speaker 4: in this life is and the hope for eternal.
Speaker 5: Life is it's a. Wonderful THING and i know.
Speaker 4: Most of you listening KNOW that i know most of
Speaker 4: you who are a watching, know that but it's important
Speaker 4: for us to share this over. And over that's what
Speaker 4: this ministry is, all about is helping you realize the
Speaker 4: Fullness of christ in your life, right here, right now
Speaker 4: not the minimum Amount of christ in, your life but
Speaker 4: the fullness. Of that and that, takes action and it,
Speaker 4: takes commitment and in, Doing so he blesses us now and.
Speaker 4: For eternity that's an. Awesome THING and i just love
Speaker 4: that so many of you already, know THAT and i
Speaker 4: just love that it is applied in your life by
Speaker 4: the way you invest with biblical integrity and by the
Speaker 4: way you Love. The lord thank you For, Loving god
Speaker 4: thank you for investing with, biblical integrity.
Speaker 5: And thank you for joining us here on. Financial issues don't.
Speaker 4: Go anywhere in about a minute here we're coming back
Speaker 4: with overtime where we answer all. Your questions light up
Speaker 4: those phones six' ten three six. Three eleven ten
Speaker 1: If we ever forget that we're One, nation under god
Speaker 1: then we will be a nation