Participants: Yvonne Lewis (Host), Cordell Thomas
Series Code: UBR
Program Code: UBR000040
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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... |
Revised 2015-03-31