Urban Report

Take It To The Bank

Three Angels Broadcasting Network

Program transcript

Participants: Yvonne Lewis (Host), Cordell Thomas

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Series Code: UBR

Program Code: UBR000040


00:01 UBROOOO40
00:02 How are your finances, do you want to know
00:03 how to make some changes in your financial picture?
00:05 Well, stay tuned for some tips on how to get it together...
00:09 My name is Yvonne Lewis and you're watching
00:11 Urban Report...
00:35 Hello and welcome to Urban Report...
00:38 My guest today is Cordell Thomas
00:40 Founder of Access Foundation and the host of
00:43 Dare to Dream's Money Management Program
00:45 Take it to the Bank...
00:46 I caught him on the set of Take it to the Bank,
00:49 and here is what he had to say...
00:54 As you know,
00:57 if you watch Urban Report...
00:58 I love to go on the Sets of the different
01:01 Programs and interview the hosts on their Set...
01:04 and today, I have the privilege of interviewing Cordell Thomas
01:08 the host of Take it to the Bank...
01:10 Hi Cordell... How are you?
01:12 Great... we're so glad that you're here
01:14 and doing such a wonderful job of Take it to the Bank...
01:17 Thank you for letting me be here...
01:18 Absolutely... okay... so I've got some questions for you
01:22 and they actually... because Dare to Dream
01:25 really focuses on inner-city challenges
01:28 and particularly... inner-city relationship
01:31 challenges... financial challenges...
01:33 I'd like to talk to you about a specific issue
01:37 and that is... those that have been
01:41 incarcerated... when they come out of jail...
01:45 what are their options... I've heard so many stories
01:49 about men coming out of prison
01:52 and not being able to find a job
01:55 they want to work but nobody wants to hire them...
01:58 because they're ex-felons... what are their options...
02:02 because people need to know about resources...
02:05 what's out there for them?
02:06 I think number one would be... be open to assistance,
02:10 and realize that there are some programs
02:12 that are out there that are quite interesting...
02:14 Hmmm... the one that we're working on
02:16 in California has a coach that helps individuals
02:20 and they provide them a litany of services
02:23 a variety of services such as... legal help...
02:26 such as... job placement such as... savings-match program
02:30 such as a variety of things as well as
02:33 overcoming those barriers to the work environment
02:36 so I would ask them to get involved
02:38 with those types of programs...
02:39 But how does a... you know... you just come out of prison
02:41 how do you even know where to go?
02:42 Where are the resources? You don't... you don't...
02:45 What's the name of the Program
02:46 and how do I find it and what's the process
02:49 so, let's start with that... what's the name
02:51 of a Program that does that?
02:53 For example, there is a Program called an
02:56 Independent Development Account
02:58 which is a savings-match program
02:59 Okay... is it Federally funded?
03:02 It's Federally funded to specific non-profits
03:05 in that geography or location, there are specific stipulations
03:09 for getting access to the Program such as...
03:11 you will need to sit through a financial literacy course,
03:14 for five or six hours... Is it hard?
03:16 It's not hard at all to get into the actual literacy
03:19 program... because... to understand how money works
03:22 we want to give you that type of education...
03:24 now, we've been qualified to do it in several locations already
03:28 so that... once they sit through my Program
03:30 they're qualified to get access to those programs...
03:34 Ah... so you'll be able to offer that service to ex-offenders...
03:39 That's correct... yeah... Oh, that's wonderful...
03:41 in fact we're doing that through an Organization
03:44 a non-profit in California that works with...
03:46 they call it a Project Fatherhood
03:48 and/or other types of projects that are associated with
03:51 people that are coming out of incarceration
03:53 and it's quite interesting because you sit with them,
03:56 and provide that type of information
03:58 and it's nice because we are actively engaging
04:04 with these young men... and you can see it in their eyes
04:07 once they engage... they understand...
04:09 the consumer versus producer, Ah...
04:11 and what excites them is the Savings Match...
04:14 because I said, if you want to start a business,
04:16 Right... if you reach your savings goals,
04:19 they will write you a check... match the amount...
04:21 and send it to that Organization that you'd like to start
04:24 the business with... Wait a minutes... so now...
04:27 okay... so this is exciting... because now you're telling me
04:30 that someone comes out of prison...
04:34 and they can actually receive funding...
04:37 to start a business... Yes, with certain
04:40 pre-qualifications... that is exactly right...
04:43 Okay, so, some of the pre-qualifications
04:46 are of course the six-hour course?
04:48 Yeah... Are there other stipulations
04:51 for them that you know of... right off the bat?
04:54 Yes... there'll be income qualifications...
04:56 Okay... if you make a $100,000 a year
04:59 or more... you're probably not going to get into the Program...
05:02 if you are a Ph. D. or Master's you probably won't get into
05:05 the Program... but if you don't have your
05:07 High School diploma yet or may have your GED
05:10 and working on a college degree, you can probably get access
05:15 to the Program if you fit some income requirements...
05:17 so if you typically make $45,000 $20,000 a year or less...
05:21 depending on the specific program
05:23 so, there'll be variables involved,
05:25 but "yes" to answer the question,
05:28 yes, they could find access to funding...
05:30 see that's incredible because I remember,
05:33 when I was living in Dallas, and I remember seeing
05:37 a job fair Ad... and actually...
05:42 there was a news report about a job fair that was being
05:46 held for ex-felons... and one of the fallacies...
05:48 is that... well... they don't want to work...
05:51 Well, that's not true... the line went around the corner
05:55 so, it's not a matter of people not wanting to work...
05:58 it's a matter of them A. not knowing about the
06:02 resources available... and not being able to be
06:05 tapped into those resources, because...
06:08 they don't even know about them, so this is such great news...
06:12 Let's talk a little bit about the matching...
06:15 because what is that about... what is the funds-matching deal,
06:20 how does that work?
06:22 They want to start the process of getting people
06:25 in the habit of saving money, Hmmm...
06:28 so what they do is that they set up a bank account
06:31 for the individual... and if the individual will save
06:34 every month... they have a goal that they need to meet
06:38 for savings... and they can't touch that money
06:40 until they reach their goal... even after they reach
06:42 the goal... what happens is... you make a selection
06:44 of what you want the funds for after you reach your goal
06:47 so if you want it for down payment on the house
06:50 if you want it for a new car,
06:51 if you want it for tuition for college
06:52 or if you want to start a small business...
06:54 you select that up-front... depending on the Program...
06:57 now there are programs that will give you a 2 to 1
06:59 3 to 1... there's even a 4 to 1 match...
07:01 so if you save $2,000 you can get an $8,000 match
07:05 and you'll have $10,000 written towards a car...
07:09 written towards tuition, written towards specific
07:12 your goal that you would like to have had...
07:14 It's amazing... oh, so the money isn't coming to you
07:17 it's going to... that goal. Exactly...
07:22 Like if it's a tuition, it goes toward the school...
07:25 Yeah... you should see the eyes the light
07:29 how it lights up in people's eyes...
07:30 Come on... tell me... tell me... I leave a lecture and I walk
07:34 I'm walking away because they have other types
07:36 of groups they have that are meeting,
07:37 but they'll run out the room
07:38 after you and say, "Hey, I'm interested in that,
07:41 can you tell me more... I'd like to be a part of that...
07:43 I want to become a Producer... can you show me how to get it,
07:46 to the form of that match program"
07:49 and it's exciting to see
07:50 that they're engaging... Yes...
07:53 and these are smart men... Oh yeah...
07:56 they know and they understand but there are barriers
07:58 to employment that they need to overcome
08:01 and there are resources that they can be linked to
08:06 to help them get there... That is such a critical
08:09 critical piece... to know that A. there are resources...
08:13 first of all... they know the barriers...
08:15 because they're confronted with them all the time...
08:18 we, as people
08:21 who have not had those issues,
08:23 don't necessarily know what those barriers are
08:27 we've not experienced that... but they get it all the time,
08:30 so, it's so great to know that there are some resources
08:34 out there that are available to them...
08:37 can you tell us a story or an incident
08:41 where you know of someone that's taken advantage of one
08:45 of these programs and they've had some kind of success with it
08:48 I've been told of several situations
08:52 of young people... 18 or above is pretty much the case...
08:57 but they have been involved in the match...
09:00 they've successfully got to their objective,
09:02 they got the match funded towards purchasing a car,
09:05 for example, Hmmm...
09:06 I know of some situations where one has had the match
09:09 towards putting a down payment on the house...
09:11 that was nice... for the family
09:14 to have a place to stay, so there are several success
09:17 stories... and if they would like to call
09:20 me or go to the website, I can link them to many
09:23 success stories that have formally been...
09:25 have happened over the past several months...
09:28 and years from this Program...
09:29 That's tremendous... you know there's a gentleman
09:32 an Adventist gentleman in California
09:35 who has a Program... he was building prisons...
09:39 and in his prison... this was so touching to me,
09:44 because, he had a specific kind of prison going on...
09:50 at first the prisoners were
09:54 allowed to use... like... they were on one wing
09:57 of the facility...
09:58 and they were called by their last names...
10:02 they were given respect,
10:04 their diets were changed,
10:07 it was a Point System... and so, if they didn't have
10:13 any violent issues, they got points,
10:16 if they did certain things, they got points,
10:19 and they found that the crimes and the
10:24 violent outbursts were so minimized on that
10:29 in that part of the Facility, that it was just amazing...
10:34 their diets changed, they were introduced to the Lord
10:39 so many things happened and... then... oh...
10:42 it's Terry Moreland... thank you Lord...
10:44 I was trying to think of his name
10:46 Terry Moreland has these homes, so, okay, so after you get
10:52 out of prison, then...
10:55 you can be a part of this particular Program...
10:59 with this Program...
11:00 and I went out to California and saw these homes...
11:04 with this Program, you're trained while you're in
11:08 prison to build homes, so that you build your own home,
11:15 you build a home for your family,
11:17 so you come out from there and you're building a home
11:22 for your family and we're not talking about
11:24 like a matchbox home... we're talking about a house
11:27 that has marble countertops and all that...
11:31 and all you have to do... to stay in it...
11:34 is... you have to keep out of trouble
11:38 you can't have any issues with the law...
11:41 and you have to continue to pay the rent...
11:44 but you can work at McDonald's and afford it...
11:47 so, it's giving people... so the recidivism rate is so low
11:52 because you're giving men a sense of dignity...
11:55 you're giving them an opportunity
11:57 to take care of their families,
11:58 you're giving them an opportunity
12:00 to build their own homes,
12:02 these are the kinds of situations
12:04 and things that we... resources that are available...
12:08 and some people would say, "Well, who cares about them...
12:12 they've made mistakes, they messed up with Society... "
12:16 suppose God said that about us, Wow... yes...
12:19 right... who cares about them, so, this Program is so valuable
12:27 and the one that you mentioned with the matching
12:30 it's not even a loan... it's matching 2 and 3 and 4 times
12:36 what the ex-offender has... that's tremendous...
12:40 Yes... and with that...
12:42 we'll be able to see... a lowered crime rate...
12:45 it's critical because if we don't do something...
12:49 to change things... people are just going to be
12:52 in this system... over and over and over again...
12:55 so tell us about some additional resources
12:58 that are available because that...
13:00 what I just mentioned was just one Program...
13:03 but I know that you know several Programs...
13:05 tell us about some other things that are available...
13:08 Sure, there was a book that I read,
13:10 a little while back, it's called,
13:11 "Why don't they just get a job?"
13:13 Hmmm... it's talking about those
13:15 that are willing and able to work but they have
13:18 barriers to that success, Hmmm...
13:20 as we've talked about it, I tried to get some experience
13:22 with some of our foster-care youth
13:24 in California which was a very revealing experience...
13:27 so there are a variety of services
13:29 that are now becoming more available...
13:31 Mental Health Issues, the issues to transportation,
13:35 family concerns... when we talk about self-sufficiency
13:38 and people being able to carry their own
13:40 after they get out of a difficult situation,
13:42 that's one of the challenges
13:43 we found and for across the United States,
13:47 each specific market... the cost of living can change
13:50 substantively... so in Los Angeles, Riverside,
13:53 where I come from... the cost to exist with a family
13:57 with three children, one may need Day care...
14:01 one may need Kindergarten care, one may be in Grade School,
14:04 can be upwards of $55,000 to $60,000 a year...
14:07 and so there needs to be some benefit...
14:10 to bridge the gap for any type of family...
14:13 that needs tax incentives, that needs Day care...
14:16 that needs transportation to get them
14:18 to the work environment... and also,
14:21 they need a Step-up Project where they can go from
14:24 $8 an hour up to $15 or $16 an hour
14:27 that may be beneficial to help them make ends meet
14:30 in a better way... the Program that I see
14:33 as really beneficial is some of the
14:35 financial literacy programs surrounding financial literacy,
14:38 the kids are not necessarily getting everything they need,
14:41 from the standpoint of what money is really about...
14:44 it seems to be more of a watered-down perspective...
14:48 and so we've developed a curriculum
14:49 for these young people and we're beginning to see
14:52 a really good response from the kids...
14:54 now, it's incentivized now especially for those
14:57 18 and above... that if you sit through
14:59 the four different parts of the Program,
15:01 you are now qualified to get into a Matching Savings Program
15:05 and when they understand that they can get free money,
15:08 they will typically stay and come to the different programs,
15:13 For sure... so now you get them...
15:15 Hmmm... hmmm... and now we ask them three things
15:17 I'm revealing part of the curriculum
15:18 but we expect them to listen... for the audio people... a little
15:23 we expect them to use the visuals that we use,
15:26 for those who like to see things and learn from seeing...
15:29 but they all need to engage in the conversations
15:33 and we use relevant topics on an ongoing basis
15:36 that makes the learning... a reality...
15:40 so we talk about take-home assignments,
15:43 go and watch this YouTube video about this...
15:47 or about these sports people, or these types of things...
15:50 and we'll come back and talk about it...
15:52 from the context of finance... or how about taxes...
15:56 do you know that the football players get a...
15:58 over their lifetime... make about $60 million a year?
16:01 I mean, $60 million over the course of their 3 to 5 years...
16:05 in the league... but... they spend as if
16:08 they've made $60 million... but they forget that taxes are
16:12 a part of their lives... so they're spending at 60...
16:15 but they're only going to be bringing home 30...
16:17 Hmmm... that creates a problematic
16:19 cycle for these wealthy individuals,
16:22 and then you talk about... look at some of these actors
16:25 or actresses who've had their bank account seized by the IRS
16:29 because they haven't paid taxes, and there are a lot
16:31 of those conversations... and because they
16:33 identify with these people on a daily basis...
16:35 they see them on television, on movies and what not...
16:38 they can now be in a relevant conversation
16:41 which is a third part of it... is they have to interact...
16:44 and when you find... and you see the kids...
16:46 or young adults beginning to engage...
16:49 Hmmm... and talk back and forth,
16:51 that's where the learning happens...
16:52 And these are at-risk youth... are they not?
16:54 Yes... yes... they are at-risk youth...
16:55 and these are young people that have been in and out
16:58 of the Foster-Care System?
17:00 They could have been in and out of the Foster-care System
17:02 or they've just been in a difficult environment
17:05 with family that have been in under-served communities...
17:07 How important is it... for young people...
17:11 at-risk or not to know about... finances...
17:15 how important is that?
17:16 I was doing a lecture and there was a young lady
17:19 sitting to my left... I can remember...
17:22 smart African American young lady...
17:24 but as we talked about
17:26 what was going to go on
17:28 this summer... it was a program
17:30 that had provided jobs for these young people...
17:33 that's what it was... so we asked,
17:34 "How much are you going to make this summer?"
17:36 many of the kids didn't know... she already knew...
17:38 "At $8 an hour, I am going to make $1,750
17:42 over the course of the summer. "
17:43 so I said, "How many of you already spent the money
17:45 you've made?" she raised her hand...
17:47 "I know exactly what I have budgeted to spend my money on. "
17:50 How old was she now? She must have been 15...
17:52 now... I believe, she's about... she's still 15
17:54 unless her birthday happened between last June and today...
17:57 so a lot of this is relevant... I don't know exactly
18:00 how much she saved this past summer...
18:02 but at the end of the lecture,
18:03 I was able to ask several questions...
18:05 "You have all $1,750 already allocated to buy certain things
18:11 correct?" "Yes, I do... "
18:12 What are you buying? "Oh, I'm buying a Tablet...
18:15 or I'm buying a SmartPhone...
18:17 and I'm buying this and that... and the other... "
18:19 I said, "So, you have spent all of your money
18:22 that you're bringing in... how are you going to pay
18:25 for your SmartPhone Plan?
18:27 How are you going to pay for that Tablet?
18:29 How are you going to pay for internet access?
18:32 How are you going to pay for emergencies that happen
18:34 when you have to fix your car
18:36 when you're driving back and forth?
18:38 These are difficult questions that we asked her...
18:41 and she didn't know how to address it...
18:43 I said, "One of the basic issues... "
18:45 and we went into a conversation
18:46 about what happened with the famous football player...
18:48 and then the reality started to hit...
18:50 I challenge the young people,
18:51 "Look, any one of you that saved the most this summer,
18:57 I will provide you a benefit... "
19:00 the benefit was... increased
19:02 savings rate at a local bank... the bank approved it...
19:05 and agreed to it... so I still need to go back
19:07 and find out who saved the most money...
19:09 but she came back at the end of the Program,
19:12 the lecture... and she said,
19:13 "Mr. Thomas, I am going to save half of what I make... "
19:17 she had toned down her budget and she wasn't going to get
19:21 everything on her list... and I think that was a success.
19:25 That's major... And we find that people
19:29 love that sharing...
19:31 because when I came back
19:33 to another group... and asked them about
19:35 the Twenty-ten Rule or the Rule of 72...
19:37 which you bring up in these conversations...
19:39 when they are dialoging
19:41 and listening and asking questions...
19:43 they retain the information a lot longer...
19:45 Tell our viewers what's the Twenty-ten Rule...
19:48 Twenty-ten Rule is basically... I'm going to...
19:50 I have to limit my amount of debt... on an annual basis
19:53 and on a monthly basis... so, twenty percent of my income
19:56 has to go... to pay back 20 percent of my debt
19:59 on a monthly basis, and ten percent of my
20:02 annual yearly income should go back to pay debts
20:06 on a yearly basis.
20:07 I see... So, you now have a measure
20:09 of how much debt I should take on...
20:11 a comfortable debt that I should take on...
20:13 What was the other seventy... Rule of Seventy two...
20:15 is considered the 8th Wonder of the World...
20:19 Einstein actually brought it up and basically...
20:22 if you divide the interest rate into 72...
20:25 you can get... how many years it will take
20:28 to double your money... the same as if you divide
20:31 72 by the number of years, you can come up with
20:34 an interest rate... you need to target
20:36 to get... to double your money so if you have...
20:38 let's come up with a good number...
20:40 if you have an interest rate of 8 percent...
20:42 Hmmm... hmmm... and you have $10,000
20:44 that you put away into a savings account...
20:47 and you're getting 8 percent interest,
20:48 then you take 8... the interest rate...
20:52 into 72... is 9... so your $10,000 at 8 percent
20:57 interest... compound interest, it's compound interest,
20:59 Hmmm... hmmm... will double over the next
21:01 9 years... and so, now you know...
21:04 and that's just putting $10,000
21:05 without any additional funds on top of that...
21:07 That's amazing... and when they know that...
21:10 all of a sudden... they light up and start asking those
21:12 questions about "How can I start a Roth IRA?"
21:15 How can I get involved in this? then you start tapping into
21:19 "Let's talk to your parents... "
21:20 "Let's talk to your Financial Planner... "
21:22 "I will tie you to those qualified individuals
21:24 that can lined up for that. "
21:25 That's tremendous... see... to me...
21:27 one of the things that is so important
21:30 about this is... is that... so many times,
21:32 our kids have no idea that these things are available
21:35 and to know that they can
21:37 tap into something like this
21:39 and learn about it... that is just tremendous...
21:44 What do you see... an inner city person... doing...
21:48 let's say that a person is on public assistance
21:52 doesn't really... have that much to budget
21:57 it's a fixed income because you know
22:00 what you're going to get... how can you save like that?
22:03 How can you save any money?
22:05 I mean, I would have to look in
22:09 and ask a lot of questions
22:10 and know where they're at, what they're doing
22:12 what type of programs and assistance
22:15 are available for them...
22:17 Hmmm... hmmm... and then of course...
22:18 when you can't save... when you're spending
22:21 what you make you're down to the bare bones,
22:24 there are these matching programs
22:26 that you can qualify for... that's one of the things
22:29 and then you don't have to save that much
22:31 but I can figure, I can find...
22:33 $75 for them to start out with...
22:35 once you start the habit of that program of saving,
22:39 then, you can get that money matched
22:41 for a specific goal and objective...
22:44 and once you get in the habit of doing that...
22:46 then, the sky is the limit because now...
22:49 how can I find a better way of saving in this area
22:53 to help out in providing additional savings...
22:56 Yes... now... let's switch gears a little bit
22:59 and talk about how important it is...
23:01 let's say you started saving... how important is it
23:04 to give back... because one of the things
23:07 that I hear is like...
23:08 "Well, I might not have enough money to give or
23:12 I can barely take care of myself...
23:13 so how can I give something to a ministry
23:16 or to a cause... " Why is it important to give?
23:19 There are studies on happiness, Hmmm...
23:23 happy people give... Hmmm...
23:26 they are not... but it's interesting that
23:29 it doesn't matter how much wealth you have
23:31 or you do not have... but those that give...
23:34 are happier people, thus you have individuals
23:37 that give to ministries seem to be more happier...
23:39 giving to something that's bigger than themselves
23:42 creates that type of a legacy that you're doing
23:45 something on behalf of Christ so once you lay
23:47 that type of groundwork in there...
23:49 you begin to see people change their perspectives...
23:53 and the tithing is really a part of that process...
23:57 but you can give up and above that...
23:59 because there are many different needs
24:00 that are out there... so, when I talk to somebody
24:04 about giving... I also tell them...
24:06 I tell them that... to think like a wealthy person
24:10 thinks... has nothing to do with how much money you make...
24:13 Hmmm... it has everything to do with how you spend your money,
24:17 how you utilize the funds that you're given
24:20 a task to manage... if you're able to manage it
24:23 the right way... then you find other means,
24:25 of supporting other agencies, but I also tell them that
24:30 the wealthy are not likely to buy new cars...
24:34 the wealthy buy 2- year-old-new cars...
24:37 and it's why they do that that makes sense...
24:41 they've thought through that a luxury car is taxed...
24:45 there's a luxury tax associated with that...
24:48 over a certain amount... Right...
24:49 you can buy that same car
24:50 two years down the road for a lot less...
24:52 I avoid the tax... I get to drive the same car
24:55 with the same benefits... with the warranty and coverage
24:57 on the car... but I don't have to worry about
24:59 that tax... that's smarter thinking...
25:01 you're saving money from that standpoint...
25:03 and the write-down on the car...
25:05 when you drive a new car off the lot
25:07 versus taking a two-year-new car
25:09 is substantively different... there's a whole lot of...
25:11 thousands of savings when you do it that way...
25:13 That's tremendous because what you're saying
25:15 basically just... is that... there is a mentality
25:18 that goes on with being wealthy
25:21 and a mentality that goes along with poverty...
25:23 That's correct... there's a Producer Mentality,
25:26 and a Consumer Mentality... if I can put it that way...
25:29 Yes... If a gentleman or a woman
25:31 that understands what it is to be wealthy,
25:33 you would never know they're wealthy...
25:35 Hmmm... they dress down...
25:37 Hmmm... hmmm... they buy simple products
25:39 they saved their money...
25:40 there are opulent wealthy people too...
25:43 Hmmm... hmmm... but those that... and I consider
25:46 wealth of people that don't have debt...
25:48 that have paid off their debt,
25:50 they know where they are from a budgetary standpoint...
25:52 and they know what to do with their money...
25:54 Thank you so much... God bless you...
25:55 Blessings to you... thank you...
26:05 I always learn so much from Cordell
26:08 he always has such practical information
26:10 that we can just apply right away...
26:13 you know the Bible has spiritual principles too...
26:16 that if we tap into those principles,
26:19 we can be blessed... we are told that
26:22 we should pay our tithes and offerings...
26:25 and you know, God has a way of just showing up
26:30 when you get down to your last dime...
26:32 if you are faithful... faithful stewards of what He's
26:35 given you... He will just bless...
26:37 I remember one time when I was going through
26:40 a severe financial challenge, and the Lord laid on my heart
26:44 to pay a double tithe to my Church
26:46 because my Church was in some trouble...
26:49 and I did that... and God just blessed...
26:51 I got all of the Pizza Hut commercials that were
26:56 coming up... I got the whole campaign
26:58 and so you can't beat God giving...
27:00 remember that when you give, He gives to you...
27:04 it's just a circle of blessing, many times we think
27:08 that just because we are currently financially challenged
27:11 we have to always remain that way...
27:13 as you heard from Cordell, that's simply not true...
27:17 we can do a budget... take control of our finances,
27:20 instead of letting them control us...
27:22 remember that there is a divine plan for you...
27:25 walk in your destiny, Jeremiah 29:11 says,
27:29 "For I know the thoughts that I think towards you"
27:31 saith the Lord... "thoughts of peace
27:33 and not of evil... to give you a future
27:35 and a hope... " and then in the King James
27:37 it says, "to give you an expected end"
27:39 so God has an expected end for you...
27:42 don't be afraid to give, don't be afraid to share,
27:45 don't be afraid to support ministries
27:48 such as Dare to Dream... such as 3ABN...
27:51 we need you... we need your assistance...
27:54 well, it's time for us to close now
27:56 but we want you to join us next time...
27:59 it just wouldn't be the same without you...


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Revised 2015-03-31