International Day of Tolerance

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The topics and opinions express in the
following show are solely those of the hosts

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and their guests, and not those
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Radio or it's employees are affiliates. Any

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questions or comments should be directed to
those show hosts. Thank you for choosing

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W FOURCY Radio. Well, good
evening, good evening, good evening,

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and welcome to another awesome, awesome
set, a conversation, awesome time and

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the Lord, awesome time to rediscover
yourself, awesome time to reflect upon yourself,

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reflect on your future. We're here. We're the show that will get

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you there. We're the show.
We're the show that could get you started,

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and we don't leave you hanging.
Unlike other places and other people and

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other folks in your life. We
try to scoop it up. We package

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it up pretty decent. May not
be exactly how you want it, but

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at least we do what we do. Again, Welcome to another segment of

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setting it straight. Let's pray,
Father God. We just thanking, we

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praise you. We give you glory
alone. Lord, you were just you

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are so awesome. God, You're
so awesome. You always you always show

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up and show out. Your answer
is what we need, even though we

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don't expect it. We thank you, Father, God for just allowing us

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to be a little childlike and foolish
in our expectation of you. Father,

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But you always come through and you
grow us up real quick. Now this

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tonight, this is your show.
We're your people, we're your sons and

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your daughter's father, God, and
we just asked that you have your way.

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We step behind the cross. You
do what you do, and you

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do it well. God, as
you set your captives free. All this

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and the more. We pray for
all the families and everybody that's listening in

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tonight live or with those who will
listening at a later time. Bless them,

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bless our engineering producer, and bless
our guests. Tonight in the name

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of Jesus, we pray a man
and a man as we get started again.

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Thank you, Trey, tray you
all the way in Virginia. But

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she's dead coming through. I like
that black and white. I like that.

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I like that that looks serious.
Hounds tooth that pounds tooth must be

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the thing now this year. Gotcha? Gotcha? Well you look great.

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I love that. I love that. Thank you, NASA a couple of

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shots before I bring our guests back. I know that we're supposed to be

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talking about in the International Day of
Intolerance, but I still think it's appropriate

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because it's what will you tolerate and
what you would not tolerate. And I

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think that the enrollment, insurance enrollment
and that dialogue, we need to flesh

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that out a little bit more and
it entails your choices and entails which way

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we need to go. And we're
gonna target a specific population tonight also just

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to expand the conversation. But before
we do, I want to give a

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shout out to my publisher, publishing
company, Zulan Press. They just always

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have kept me and write standing.
They always have good deals, good opportunities,

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and all I have to do is
say, well, can you give

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me a discount? You know,
I've been with y'all a long time and

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they never failed, so I get
it. I wanted to give a shout

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out to them tonight. I'm gonna
be doing some book signing situations coming up

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in the next year. So if
you haven't purchased any of my books,

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I have three books out there and
we can talk about that another time.

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Definitely, as we go into the
Christmas holidays, they will be great stocking

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stuffers to hear something other from you, and they need to hear something from

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somebody else. I could be that
person. Hallelujah, And I'm selling my

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books. Don't go to Zulan Press. I'm selling them out the back of

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my car. Thank you so much
and hallelujah. Another another shout out I'm

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going to give is to the Royalty
Harvest Academy. She's my neighbor daycare neighbor

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next to my office and she takes
care of little people from birth to five

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years old. And also right now
she's looking for staff. So if anybody's

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out there. But the one thing
I didn't do was to ask her around.

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The teaching staff would have to have
so I apologize for that. But

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if you know of anybody here in
the Orlando area that's looking for work,

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that's sincere. That's not about chasing
chasing the dollar. But and don't mind

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working with kids. You gotta have
patience with these little people. You gotta

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have patience. Don't be playing,
don't be playing. But anyway, I've

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got a job opportunity for you,
so or for one or two of you,

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So please, you know, hit
me up on Facebook and message me

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or whatever. You see my email
down below Chaplain Grace sixty three at Gmail.

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You can also give me a shout
man as well. Okay, so

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we do that well without further Ado
Rebel, if you could pull up our

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guests, then I'm gonna let him
have the hour here and there he is,

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Yay, there he is the awesome, the guru. Hey, how

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are you, sir? How are
you? He is so doing blessed,

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you know, doing blessed and here
to assist as many to as many of

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your listeners that I can and all
doing it for the glory of God.

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That's that's what we're doing. Amen, Amen and amen. Well I'm the

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person to do this and thank you
you all. Saw a new listener that

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was missus Gordon herself, and she
brought of the Academy that I gave a

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shout out to d C forty five
hours minimum. Okay, So miss Gordon,

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do they have to does the staff
person have to have high school diploma,

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college degree, and education. Let
us know that before the end of

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the show. Please. I'm sorry
I didn't ask you that with the qualifications.

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I'm sorry. I was really focus
sing on you being patient, you

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being not chasing a dollar. You
know, you wanted to help little people

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and as they're growing. Yeah,
okay, it's great. No, I'm

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just being real here, you know. I mean, there's a thousand jobs.

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I told a homeless guy. You
know, there's no reason why.

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There's no reason why there's a job
in every arena and every business work and

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everything, even if it's bringing in
the shopping carts and they pay you a

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dollar per three dollars per shopping cart
or whatever and you're sweeping around the front

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door. There's a job out there
for everybody right now. So there's no

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way, no reason right now.
Tonight I even announced his teaching opportunity and

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daycare. There's there's there's jobs out
there, but you decide, there's this

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homeless person that decided that he's gonna
make my front porch at my office his

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place of where he's gonna lay down, and I don't understand that. To

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save my life, so I had
to call my friends at the sheriff Department

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and they will be doing dry by
occasionally. Amen. Not that I don't

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mean it, but I don't know
why you chose my building to camp out

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every night, so I don't understand
that. So anyway, what's out further

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do sir? We want to talk
a little more to that twenty five twenty

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six year old who's been on their
parents and now they're coming to the age

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or they're at the age where they
can no longer be seen by their pediatrician,

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you know, and they have to
get big doctors now, the real

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doctors now specialists, and you know, just to check yourself, just to

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make sure. I just got results
back from my women's well check, and

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thank you Jesus everything. I know. I had a few people praying about

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that because you know it. Don't
play help, don't play with you.

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You know, this is what ended
me up in the hospital five years.

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But I got a clean bill health. I'm waiting for some more results and

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then that's it for the year.
I'm not doing anymore. That's it.

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I refuse, But sir, I
want to go ahead and like you know,

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I want you to share your thoughts
on that and the importance of these

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younger people now and that millennial later
gen Z millennial age bracket, and why

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it is important for them to do
their own research to make sure the coverage

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that they all get is going to
be conducive to anything, you know,

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to the big board doctricians. You
know, you didn't didn't have to have

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that much, you know, but
now, huh, you know, you

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got to, you know, And
after they do that assessment, they're gonna

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be like, you know, we
got to do blood work every three months,

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and if you're own medication, definitely
every three months, you know,

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and all that, and so if
you could do what you do, I'm

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gonna be quiet now. Thank you
well it that's great. Thank you so

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much for having me back again.
And it's an absolute pleasure where I can

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be able to share what the Lord
has given me in regards to the skills

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that he's given me. And with
these skills, I glorify him, so

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that to me is what I've been
chosen to do. And that's why it's

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just a passion for me to be
able to help people in many different ways.

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And I kind of jotted something down
here and I want to share it

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with your listeners, and that is
that insurance is not for old folks only.

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So we have to understand that at
any given time, something is going

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to happen unexpectedly. And what I
mean by that is you just never know

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if you're going to be diagnosed with
cancer and you're twenty five, you may

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be You can be in a horrible
accident in the in a car wreck and

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you're twenty five. We also are
reading in the news of late where you

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have these young athletes that are collapsing
out in the football field, in the

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basketball courts, and once they collapse, they're no longer alive. So I

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heard something a few years back and
it made a lot of sense in the

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world to me. We kind of
have this idea that we all reach mid

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midlife point when we're in when we're
forty five, But if we really think

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about it, Kobe Bryant when he
passed away, he was at a halfway

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point of his life in his twenties, and we can't walk around today thinking

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that we can jump tall buildings in
a single balance and be faster than a

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speeding bullet. We have to understand
that at any given time we have to

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be prepared, you know, just
as we have to be prepared scripturally and

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understanding what the word of the Lord
has to say, and how we have

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to prepare ourselves during these particular times
that we're facing. What we must do

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is we need to prepare now for
in the event that something serious were to

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happen. We're not passing as I
mentioned last week, we're not passing that

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burden onto someone else who's not prepared
for it. So we have to be

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proactive in how we handle our situations. The one key thing that we have

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to keep and we have to be
aware of that with the younger generation,

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you have you have everything for you. And what I mean by everything for

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you, it's that you're going to
have lower premiums. It's it's not going

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to be something expensive as somebody who's
in their fifties or sixties. And the

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reason why it's less for young for
the youth, or for younger people,

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it's because customarily the younger people will
live longer, so as you get closer

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to the grave, it gets more
expensive. When it comes to health insurance.

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We also have to understand that when
the UH the when the marketplace,

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or when Obama passed the law for
healthcare he made it to a point where

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it doesn't matter how what your health
conditions it are. You know you at

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one point in time, if you
were diagnosed with cancer, that you it

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would be impossible to get insurance.
Well, when the Affordable Care Act was

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passed, those quite those those particular
scenarios are gone away, and now more

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than ever people can get insurance.
But what we have to understand is that

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with the marketplace, and that's the
health insurance that we're in the enrollment period

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right now, you have the opportunity
to be able to enroll in a plan

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and based on your income, you
would be getting a subsidy to pay towards

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the premium. So this is where
we have to understand what the word subsidy

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is, and this is where the
government will help you be able to pay

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for those particular health insurance plans.
So this way you're not having to pay

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the large premiums. So for example, you can have someone who is in

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their let's say mid twenties, early
thirties. And on a side note,

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when Obama passed the law, families
can only bring their children on their health

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plan up to twenty five years old. So at twenty five five, the

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individuals or the young adults have to
start looking for health insurance at that time.

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So these are things that are not
taught in school, so you really

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have to fend for yourself or depend
on Google. But as I always refer

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to speak to someone that you can
trust who's either been in the field for

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a while that can be able to
provide you the guidance so you can be

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able to understand what's going on.
Learn what the words deductibles are, premiums,

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co insurance, maximum amount of pockets. Those are some terminologies that you

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should be aware of. It's interesting
my youngest son, who's thirty, he

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went to an endoscopy. He is
he's having some issues with his stomach,

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so he went to a gastro entrologist
and now we need to he needs to

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go see a gastroentrologist to do an
endoscopy, to put a camera down his

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throat to see what's going on with
his stomach. His idea is that insurance

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is supposed to pay at all,
and no, it's not supposed to pay

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at all. Insurance is going to
take a good portion of what it's going

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to cost to have that procedure done. But you're going to have a portion

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which is either a co payment or
a co insurance, which is your portion.

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And this is that part where he
the impression is I have insurance,

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I'm not supposed to pay anything.
No, that's that's not correct. If

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you want any premiums are based on
deductibles. Now, deductibles, as I

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kind of touched on briefly last week, deductibles is the first amount out that

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you're going to be responsible for,
So you're going to be paying one hundred

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percent of what the doctor charges until
that number has been met. That deductible

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can be one thousand dollars, it
could be twenty five hundred, it could

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be five thousand dollars. And what
you're telling the insurance company is I'm going

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to be able to handle the first
thousand, twenty five hundred, five thousand

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dollars before the insurance starts to kick
in. So the lower the deductible,

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the higher the premium, whereas the
higher deductible, the lower the premium.

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So what you're doing is you're telling
the insurance company how much risk you're willing

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to take and how much risk you
want the insurance to take. So if

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you want the insurance company to put
more skin in the game. By having

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a lower deductible, you will have
to pay for that, Whereas if you're

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telling the insurance company, hey,
I'm going to take a little bit of

206
00:19:11.319 --> 00:19:17.079
the heat to take it off of
you, so they'll reward you with a

207
00:19:17.160 --> 00:19:22.839
lower premium. And that's how it
works with the health insurance world. With

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the life insurance world, it's all
based on age. So I have clients

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00:19:29.799 --> 00:19:34.920
who are twenty I have a client
that's twenty four years old that has a

210
00:19:34.960 --> 00:19:41.240
life insurance policy that he can be
able to pay into it and he can

211
00:19:41.319 --> 00:19:48.960
retire at fifty five. Because of
the way that the life insurance policy is

212
00:19:48.279 --> 00:19:56.559
situated, he will be able to
draw an income from it so it can

213
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pay off what his social security that's
if social security will be around by that

214
00:20:02.920 --> 00:20:07.880
time, he could be able to
subsidize what the social security lacked, so

215
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it doesn't affect the lifestyle that he's
accustomed to. So these are just different

216
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ways that people can be able to
utilize insurance so that way they can be

217
00:20:22.640 --> 00:20:27.200
able to be protected, but not
only themselves being protected, but removing the

218
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burden from their family. So when
it comes to health, which is right

219
00:20:33.240 --> 00:20:38.400
now, what we're really focusing on
We've got tons of commercials with the medicare,

220
00:20:38.519 --> 00:20:45.000
tons of commercials with the marketplace.
Our emails are getting flooded with marketplace

221
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and advertisements and everything, and we
have to understand that they give us such

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a short period of time to respond, but they want you to kind of

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go through all of the information in
in what did I say, fifty fifty

224
00:21:02.880 --> 00:21:08.640
five days as of November one through
December fifteenth for the health insurance, You've

225
00:21:08.680 --> 00:21:15.480
got fifty five days to decipher what
you're wanting to have for insurance coverage.

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00:21:17.039 --> 00:21:22.599
So it's just a matter of how
you are healthwise. Also taken to consideration

227
00:21:23.400 --> 00:21:30.000
family history. Does your family have
history of diabetes? Does your family have

228
00:21:30.200 --> 00:21:36.519
history of cholesterol? You know,
those are those little signs that you have

229
00:21:36.599 --> 00:21:41.480
to say, hmm, my uncle
seems to have died of stomach cancer.

230
00:21:42.119 --> 00:21:49.799
My other uncle is battling some kind
of cancer. You know, it's better

231
00:21:49.839 --> 00:21:59.119
to be proactive than reactive, and
that's why it's so essential to really understand

232
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that while you're feeling healthy right now
and you're able to accomplish many things,

233
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what direction do you want to take
when it comes to life insurance? What

234
00:22:12.839 --> 00:22:17.839
kind of life insurance are you looking
for? And I jotted down here face

235
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value for life insurance. A lot
of people are under this impression that you

236
00:22:22.640 --> 00:22:26.480
have to have like a million dollars
of life insurance so that way you can

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be fine. In all likelihood,
A million dollars is nice, but necessarily

238
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is it really necessary? Because there
is a thing called over insured, and

239
00:22:41.039 --> 00:22:47.799
now you're paying more money for insurance
when you really don't need it. So

240
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it's a matter of how, you
know, for married couples. And I

241
00:22:52.079 --> 00:22:59.079
usually like to talk about this with
my younger children who have families, you

242
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know, I I kind of break
it down to them saying, hey,

243
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look, your spouse has got three
kids. How much money would they need

244
00:23:11.319 --> 00:23:15.559
so they can be able to be
comfortable for about two years or three years.

245
00:23:17.119 --> 00:23:21.799
So this way, when the morning
is over, now mom or dad

246
00:23:22.000 --> 00:23:26.279
has to start going to work,
So do you really need a million dollars?

247
00:23:26.799 --> 00:23:30.720
No? And this is where you
really have to have someone sit down

248
00:23:30.720 --> 00:23:36.640
with you and kind of do a
cost analysis so you can be able to

249
00:23:36.799 --> 00:23:41.039
determine what's going to be the right
face amount. And this way, with

250
00:23:41.160 --> 00:23:45.599
the right face amount, you can
say, my kids are going to be

251
00:23:45.759 --> 00:23:52.519
fine. And for the younger generation, here's another question. You know,

252
00:23:52.759 --> 00:23:56.279
right now, you're starting off with
your job, the income is always going

253
00:23:56.319 --> 00:24:03.559
to be not as great as it's
going to be ten fifteen years down the

254
00:24:03.680 --> 00:24:07.079
road. But we have to kind
of look at what kind of burden are

255
00:24:07.119 --> 00:24:12.559
we would I give my parents if
I were to pass, And if you

256
00:24:12.680 --> 00:24:17.319
say, look, all I need
is like a fifty thousand dollars policy.

257
00:24:17.799 --> 00:24:22.119
So this way it takes care of
the funeral costs. It kind of helps

258
00:24:22.240 --> 00:24:26.119
mom and dad to kind of take
some time off to grieve and not affect

259
00:24:26.559 --> 00:24:37.079
the functionality of the household. That's
something to take into consideration. And I

260
00:24:37.160 --> 00:24:41.000
hate to sound so morbid, because
you know, death is so morbid and

261
00:24:41.039 --> 00:24:48.200
it's such an end game. But
the truth of the truth of the matter

262
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is that we're all going to go. So it's a matter of when we're

263
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going to go. But when we
go, how prepared are we going to

264
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lead those behind so they don't have
to struggle. I remember I remember a

265
00:25:11.319 --> 00:25:19.039
situation that happened about five six years
ago. Uh, and this this woman

266
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was taking care of her younger brother
who had a mental disability where it affected

267
00:25:33.119 --> 00:25:41.599
his his vocal actually that the umbilical
cord was wrapped around his neck and it

268
00:25:41.720 --> 00:25:47.839
cut the circulation into his brain,
so he was, uh, he was

269
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just basically I just missed that question. He's asking life insurance. For life

270
00:25:59.519 --> 00:26:03.559
insurance I'm referring to right now.
Basically, the umbilical cord was wrapped around

271
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his neck, so it cut the
circulation, so he had he was mentally

272
00:26:07.759 --> 00:26:14.440
disabled. Well, she was responsible
for raising him because the dad passed away.

273
00:26:15.880 --> 00:26:22.160
Well, it turns out she had
a massive stroke and she died.

274
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No life insurance, nothing was in
place, and this poor child was by

275
00:26:33.200 --> 00:26:41.599
himself, and it turned out that
it was a mad rush trying to locate

276
00:26:41.400 --> 00:26:48.559
funds so she can be cremated,
and all of this would have been put

277
00:26:48.640 --> 00:26:55.039
on him and he's never earned a
dollar to his name. So this is

278
00:26:55.279 --> 00:27:02.480
why it's so important to really understand
what's around you. You know, who's

279
00:27:02.640 --> 00:27:07.960
around you, who's going to be
who's dependent on you? That those should

280
00:27:07.960 --> 00:27:11.720
be some of the questions you should
ask if I were to pass, who

281
00:27:12.119 --> 00:27:21.160
will be affected when I pass?
And you know, we can get into

282
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biblically and understand that we all have
a responsibility and we we you know,

283
00:27:29.279 --> 00:27:32.240
the Bible says we have to take
care of the orphans and the children,

284
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So how do we take care of
those around us if we were to pass?

285
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This is where we have to kind
of take the me out of the

286
00:27:41.839 --> 00:27:48.200
equation and look at how do we
have how do I help those around me?

287
00:27:49.079 --> 00:27:55.000
Because if you're wanting to leave a
legacy, there are many different ways

288
00:27:55.039 --> 00:28:00.079
that you can leave a legacy.
It's not all about money. And if

289
00:28:00.359 --> 00:28:07.079
if you make it focused around money, then something is not calibrated. And

290
00:28:07.119 --> 00:28:15.319
that's why it's so important that we
get synchronized and be in sync of not

291
00:28:15.400 --> 00:28:22.079
only our family, our family members, our churches. How does my death

292
00:28:22.440 --> 00:28:30.519
affect the community that I'm involved in? So those are just you know,

293
00:28:30.599 --> 00:28:34.799
that's something that I really laid on
my heart and I really wanted to kind

294
00:28:34.839 --> 00:28:40.519
of share that with you. And
I just make myself available for those who

295
00:28:40.559 --> 00:28:45.480
have questions or kind of wanting to
know some more information. Thank you so

296
00:28:45.599 --> 00:28:52.359
much, Amy, And I cannot
as a social worker seeing folks in therapy

297
00:28:53.279 --> 00:29:02.480
after someone unexpectedly has passed away and
everybody's trying to scramble to find their life

298
00:29:02.559 --> 00:29:04.640
insurance policy. We know they had
a life insurance policy. We don't know

299
00:29:04.680 --> 00:29:07.799
where they put it. Well,
come to find out, they finally find

300
00:29:08.039 --> 00:29:11.680
the paperwork and they called the company
and they said, well, no,

301
00:29:11.799 --> 00:29:15.839
they cashed this in ten years ago. So that's the first thing when people

302
00:29:15.920 --> 00:29:21.960
are hit hard financially, everything actively
on a life insurance policy. I have

303
00:29:22.279 --> 00:29:26.240
found that to be. So it's
so weird to me, but that's the

304
00:29:26.279 --> 00:29:30.480
first thing to go. And they
don't bather telling the rest of the family.

305
00:29:30.519 --> 00:29:32.359
You tell them, hey, we
got a life insurance, but you

306
00:29:32.400 --> 00:29:37.359
don't bother tell them them when we
don't have life insurance. Another population that

307
00:29:37.880 --> 00:29:42.640
I began to be really worried about
over twenty years ago were aging parents taking

308
00:29:42.640 --> 00:29:51.119
care of their disabled or handicapped child. And the reason why I was concerned

309
00:29:51.119 --> 00:29:56.559
about this is because they would bring
the family to therapy and nine times out

310
00:29:56.640 --> 00:30:00.880
of ten, if that sibling,
if that client who's the child to disabled

311
00:30:00.960 --> 00:30:07.160
child had a sibling, they would
bring the sibling to the to therapy okay.

312
00:30:07.799 --> 00:30:11.279
And it shocked the family, the
mother or the father of both of

313
00:30:11.319 --> 00:30:15.559
them all the time because I would
ask I can look at the body language

314
00:30:15.839 --> 00:30:19.160
of the of the sibling and they
don't want to be there. They're like,

315
00:30:19.200 --> 00:30:22.839
oh, you got to talk about
Jimmy again, you know, And

316
00:30:22.880 --> 00:30:26.359
I'm looking at all the body language, and then I finally say, can

317
00:30:26.400 --> 00:30:29.000
I ask you a question I want
to ask. I'm gonna ask Sean a

318
00:30:29.119 --> 00:30:32.759
question, Sean, I'm not gonna
I'm like, how you feel about your

319
00:30:32.799 --> 00:30:41.279
brother? But should something happen to
your mom, are you prepared to take

320
00:30:41.319 --> 00:30:47.880
care of Jimmy? And they never
let me down. They look at their

321
00:30:47.920 --> 00:30:52.799
parent and say, I'm sorry,
he's got all the attention. And so

322
00:30:52.960 --> 00:30:56.720
no, as soon as I graduate
from high school, I'm gone. I'm

323
00:30:56.759 --> 00:31:02.880
going away to college and I'm not
coming back. So I began to talk

324
00:31:02.960 --> 00:31:08.160
to the constituents, and some policy
people, particularly in med waiver and dealshit

325
00:31:08.200 --> 00:31:12.880
well, you've got to get something
in place real quick. You've got to

326
00:31:12.920 --> 00:31:18.599
get something in place because as these
folks, as the parent is aging and

327
00:31:18.640 --> 00:31:22.720
they're getting sicker, they don't have
anybody to take care of this child.

328
00:31:22.920 --> 00:31:26.920
I don't care how many brothers and
sisters they have, because this child got

329
00:31:26.960 --> 00:31:30.759
all the attention because they needed the
assistance. That's the way the siblings are

330
00:31:30.799 --> 00:31:36.519
liking at this. They never feel
sorry for their siblings. They're like,

331
00:31:36.599 --> 00:31:40.440
no, she got all the attention. It was always about her. She

332
00:31:40.599 --> 00:31:42.359
got all, you know, and
I'm like, oh my god. And

333
00:31:42.400 --> 00:31:45.559
the child, usually the sibling usually
has to be because they are so they're

334
00:31:45.759 --> 00:31:52.319
boiling mad. It's not jealousy,
it's just and maybe it is jealousy,

335
00:31:52.319 --> 00:31:55.359
but they you know. So now
the parent is thinking, oh, well,

336
00:31:55.400 --> 00:31:57.480
Sean is here, Shawna take care
of Jimmy. Sean said, oh

337
00:31:57.480 --> 00:32:01.480
he no, I won't. Woman. I graduate. I'm going to college

338
00:32:01.519 --> 00:32:06.839
out of state, way away from
the house, and I will not.

339
00:32:06.920 --> 00:32:09.960
So that's what mid Waiver for the
state of Florida came into play, and

340
00:32:09.960 --> 00:32:16.839
and and different tiers and categories because
they finally kept looking with the life insurance

341
00:32:16.880 --> 00:32:21.119
company. Have to prove the policy
was cashed in beforehand. Oh, they

342
00:32:21.119 --> 00:32:23.240
will tell you, miss, because
if you call them and say, hey,

343
00:32:23.279 --> 00:32:29.400
I've got a policy for Joan and
and and William Smith and looks like

344
00:32:29.480 --> 00:32:34.839
it was done this this, you
know and everything, and you're like and

345
00:32:34.920 --> 00:32:37.599
they're like, oh no, no, no, that was cashed in,

346
00:32:37.160 --> 00:32:43.400
that was already surrendered or that was
what's the other word, the other words,

347
00:32:43.400 --> 00:32:45.119
sir, when you don't pay your
bill and you don't pay on so

348
00:32:45.160 --> 00:32:50.079
they canceled it. You know,
one if the life and policies that it

349
00:32:50.240 --> 00:32:52.559
was canceled to a mispayment in the
midst of the death. Well, they

350
00:32:52.640 --> 00:32:55.920
not have to pay out the policy. I don't know that, brother,

351
00:32:55.960 --> 00:33:05.400
Miguel, that's you, okay.
So that's an interesting question because by law

352
00:33:06.039 --> 00:33:10.119
they are supposed to give you sixty
days before they cancel the policy. The

353
00:33:10.200 --> 00:33:17.359
first thirty days they'll give you a
just a friendly reminder you miss the payment,

354
00:33:17.480 --> 00:33:23.039
please submit the payment. And then
the second letter is, hey,

355
00:33:23.519 --> 00:33:30.799
you don't submit the payment, your
policy will be canceled. And if the

356
00:33:30.880 --> 00:33:38.799
person pass away before making a payment, they will pay it out. And

357
00:33:39.160 --> 00:33:44.960
that's just the way it is.
You know, the bill, you could

358
00:33:44.960 --> 00:33:50.640
be paying your bill on time.
Let's say it's due on the seventeenth,

359
00:33:51.359 --> 00:33:55.039
and you've been paying your bill on
the time and you pass on the fourteenth,

360
00:33:57.440 --> 00:34:00.200
they have to pay it. They
have to pay it. And there's

361
00:34:00.240 --> 00:34:06.680
another option, and this is only
a good for either a whole life policy

362
00:34:06.880 --> 00:34:12.840
or an index universal life, whereas
if you can't make the payment, you

363
00:34:12.880 --> 00:34:20.000
can borrow from the cash the cash
value to pay off the premium. So

364
00:34:20.079 --> 00:34:23.679
if you find yourself in a pinch. You can always borrow from the cash

365
00:34:23.760 --> 00:34:30.840
value to pay your bill. Well, be careful with that and pay attention

366
00:34:31.119 --> 00:34:37.079
and write that down somewhere, because
after somebody does pass and you're like,

367
00:34:37.280 --> 00:34:40.119
no, this is a fifty thousand
dollars policy or twenty five thousand dollar policy

368
00:34:40.400 --> 00:34:45.559
and the insurance company only gives you
twenty three thousand. Is because you've been

369
00:34:45.639 --> 00:34:47.920
borrowing against it. So you got
to, you know, keep on top

370
00:34:47.960 --> 00:34:52.400
of this. You've got to become
organized, and you've got to put dates

371
00:34:52.519 --> 00:34:54.559
on it. You know what thing
I do in my phone, if I've

372
00:34:54.559 --> 00:35:00.480
got an appointment, I'm putting under
your name, you know, past,

373
00:35:00.559 --> 00:35:04.079
I have to call him pass the
pass. Lom Reno is speaking tonight,

374
00:35:04.280 --> 00:35:07.920
I'm putting it under his name.
He's speaking tonight at seven pm and the

375
00:35:08.039 --> 00:35:12.880
date that he's speaking. That's that's
how serious it is is because a manual

376
00:35:13.039 --> 00:35:15.440
calendar don't even do me justice anymore. You should have seen me in office

377
00:35:15.480 --> 00:35:19.639
depot of the day. I'm trying
to find the twenty twenty four calendar.

378
00:35:20.079 --> 00:35:22.800
That don't you have to pay it
back if you borrow from it? Okay,

379
00:35:24.599 --> 00:35:30.920
okay, So that's a that's a
good question. And again it depends

380
00:35:31.079 --> 00:35:37.920
on the life insurance policy. I
used two examples, whole life and index

381
00:35:38.079 --> 00:35:43.719
universal life. Uh no, you
don't have to pay it back, but

382
00:35:44.280 --> 00:35:52.800
upon your death, the face amount
of the policy will be reduced by what

383
00:35:52.159 --> 00:35:59.800
is owed, and then the family
will get the balance of the life life

384
00:36:00.119 --> 00:36:07.320
policy. So parents, you needed, you need to set up an outside

385
00:36:07.400 --> 00:36:12.920
person that could also, you know, step in. Lately i've been the

386
00:36:13.039 --> 00:36:17.320
Lord has had me to minister to
older gentlemen who one particular gentleman that has

387
00:36:17.360 --> 00:36:22.599
a grandson, young grandson under the
age of eighteen. He's not in touch,

388
00:36:22.719 --> 00:36:25.360
don't have a great relationship with his
mother, the mother of the child,

389
00:36:25.480 --> 00:36:29.800
which is his daughter. And the
Lord said, no, set something

390
00:36:29.920 --> 00:36:34.800
up for junior and put it in
his name, and that nobody else could

391
00:36:34.800 --> 00:36:38.119
take that until he turns eighteen.
Your bank is set that up, and

392
00:36:38.119 --> 00:36:40.960
when he turns eighteen, he'll come
in with his ID. But you'll have

393
00:36:42.000 --> 00:36:46.960
to make sure you've got you got
your grandfather put some money away for you,

394
00:36:46.960 --> 00:36:52.039
you know, because we got disjointed
parents and families and people ain't talking

395
00:36:52.079 --> 00:36:54.639
to one another and all this kind
of stuff. But a grandparent wants to

396
00:36:54.760 --> 00:37:00.519
leave something behind for their grandchild.
So you know you got to be you

397
00:37:00.559 --> 00:37:04.159
know, you got to stay on
top of it and be organized. Mss

398
00:37:04.239 --> 00:37:08.960
Gray, I'm glad you touched on
that because I have two words that I

399
00:37:09.039 --> 00:37:17.199
want to utilize for your listeners to
listen to. One is a trust and

400
00:37:17.239 --> 00:37:23.440
the other one is a will.
If you do not have any one of

401
00:37:23.480 --> 00:37:34.760
those, then you go into the
deep, dark, ugly, disappointing,

402
00:37:35.519 --> 00:37:46.440
gut wrenching arena called probate. Probate
is I'll just say pro you do not

403
00:37:46.840 --> 00:37:53.400
ever, ever, ever want to
go to probate because what happens is now

404
00:37:53.480 --> 00:38:01.639
the state is in charge of your
estate and then you have who's on a

405
00:38:01.800 --> 00:38:08.719
computer looking at obituaries, looking to
see who's passed away, and what they

406
00:38:08.800 --> 00:38:17.840
do is they sell the names to
companies of money that is owed. So

407
00:38:17.960 --> 00:38:27.079
when you are in probate, the
judge determines who gets the money first,

408
00:38:27.280 --> 00:38:36.960
and whatever's left over it goes to
the family. So this is why,

409
00:38:37.760 --> 00:38:45.000
and this is why we really can't
treat life insurance so lightly because with the

410
00:38:45.079 --> 00:38:52.960
life insurance you have to put a
beneficiary, and then with a beneficiary,

411
00:38:53.360 --> 00:39:00.639
now you have to also add someone
else in the event that the benefit officiary

412
00:39:00.760 --> 00:39:07.159
pass away. So this is why
with the life insurance it would go straight

413
00:39:07.280 --> 00:39:16.199
to the beneficiary and the bill collectors
can't touch it because now it's an inheritance.

414
00:39:17.199 --> 00:39:24.199
So this is why it's so important
that you have And now I'm out

415
00:39:24.280 --> 00:39:29.639
of my field, but this is
where you really have to sit down and

416
00:39:29.760 --> 00:39:35.239
talk with an attorney and say,
hey, I want to put a trust

417
00:39:35.400 --> 00:39:39.519
in place. I want to put
a will in place, and you give

418
00:39:39.639 --> 00:39:46.920
copies to the important people in your
life so this way they know where it

419
00:39:47.039 --> 00:39:52.800
is. Because when you have a
will, according to the law, the

420
00:39:52.440 --> 00:39:59.199
will has to be honored, and
with a trust there's no questions asked.

421
00:40:00.000 --> 00:40:07.519
And another thing I found out the
hard way was some banks, unless there's

422
00:40:07.519 --> 00:40:10.679
a beneficiary on the back end of
your account, they're not even trusting you

423
00:40:10.800 --> 00:40:15.960
will because anybody could draw up a
will and notarize it. So let me

424
00:40:16.000 --> 00:40:20.280
tell you this is another key piece. If you have loved ones, if

425
00:40:20.280 --> 00:40:23.719
you have children and you've opened up
their savings account, trust her will or

426
00:40:23.719 --> 00:40:25.639
do you have to be rich?
No, you don't have to be rich,

427
00:40:25.760 --> 00:40:30.280
Misty. You have to find the
right attorney that will do some pro

428
00:40:30.360 --> 00:40:36.360
bono work. You can call your
legal aid society in your state. I

429
00:40:36.519 --> 00:40:40.119
have a great trust attorney here in
Orlando. She's bad to the bone.

430
00:40:40.280 --> 00:40:45.639
She's gonna ask you a million questions
because it's got to be customized and tailored

431
00:40:45.920 --> 00:40:51.239
to your needs and to the makeup
of your family. I mean, it's

432
00:40:51.800 --> 00:40:55.559
you know, my bank accounts are
in it. I can't everything's in it

433
00:40:55.639 --> 00:41:00.280
that I do, except for my
nonprofit. You can't put a non profit

434
00:41:00.360 --> 00:41:04.519
in the trust. So that's a
whole different show. But I learned that

435
00:41:05.239 --> 00:41:09.440
if my name is not on the
as a beneficiary on a bank account,

436
00:41:09.760 --> 00:41:13.079
then you could bring in all the
wheels you want. He say. She

437
00:41:13.239 --> 00:41:15.800
said live you know, live video
or that bank is not gonna move on

438
00:41:15.920 --> 00:41:22.960
it. And I've had aunts who
had no children who promised me, you're

439
00:41:22.960 --> 00:41:24.920
gonna get everything that I have.
But I I in the bank. The

440
00:41:24.960 --> 00:41:29.519
bank people knew I would bring Aunt
Mary and Aunt Alice to the bank,

441
00:41:30.039 --> 00:41:32.400
you know, once a month.
They knew me. But they said,

442
00:41:32.400 --> 00:41:37.280
we're so sorry, there's nothing we
can do because you're not listed on fish

443
00:41:37.320 --> 00:41:42.920
area on their accounts. So I
have all my kids. We we mix

444
00:41:42.960 --> 00:41:46.360
it up. I got everybody's name
on everybody's accounts, including mine. I

445
00:41:46.400 --> 00:41:51.440
got all three of the kids.
I'm on all three of theirs, you

446
00:41:51.480 --> 00:41:55.480
know, because you that's one big
piece. So you know it's a trust

447
00:41:55.519 --> 00:41:59.639
thing too, because you know we've
got a lot of disjointedness. You gotta

448
00:42:00.079 --> 00:42:02.480
you know, all kinds of stuff
going on. You just don't tell everybody

449
00:42:04.079 --> 00:42:08.480
your business. But you've got to
protect yourself and you need to go ahead.

450
00:42:08.559 --> 00:42:13.320
And if you've got property and assets
and things like that, you could

451
00:42:13.320 --> 00:42:16.440
put that in that truck. Language
got the know block number and the parcel

452
00:42:16.840 --> 00:42:20.800
number, but you could put it
in there so it could be protected.

453
00:42:21.360 --> 00:42:23.800
Because and whether you're married or not, this is all on your joint account

454
00:42:24.039 --> 00:42:30.119
to your non joint accouncil savings account. Everybody. You got to have beneficiarias

455
00:42:30.159 --> 00:42:32.800
all over the place. I'm telling
you, and look at my situation.

456
00:42:34.000 --> 00:42:37.679
Most of you all know. I
went into the hospital with the stomach ache.

457
00:42:37.159 --> 00:42:40.199
Forty eight hours later, I'm in
a coma for three weeks. But

458
00:42:40.360 --> 00:42:44.239
thank god, my kids can maneuver
and do what they have to do.

459
00:42:44.679 --> 00:42:47.800
I train them that way because I
looked at clients coming in. I learned

460
00:42:47.800 --> 00:42:53.199
from there their trials and tribulation family. But I went to the hospital not

461
00:42:53.280 --> 00:42:59.440
knowing, and I died twice.
I was in there for ninety seven days,

462
00:43:00.119 --> 00:43:00.920
not knowing. Oh my god,
what am I gonna do? I

463
00:43:00.960 --> 00:43:06.159
have to thank god money was in
place to pay the rent my office folks

464
00:43:06.199 --> 00:43:08.199
and in my rent, the folks
that I rent my home from. They

465
00:43:08.239 --> 00:43:12.440
didn't know I was even in the
hospital after this day, never knew it

466
00:43:13.440 --> 00:43:15.719
because everything was paid. My son
figured out how to get into my phone,

467
00:43:15.920 --> 00:43:20.719
get into my bank. They know
death benefits from my husband from their

468
00:43:20.800 --> 00:43:23.119
dad was coming in. Everybody was
getting so money. We had the money

469
00:43:23.199 --> 00:43:27.639
in place, and they knew how
to do it. You got to train,

470
00:43:27.719 --> 00:43:30.599
you have to have one. Or
you've got to be proactive. And

471
00:43:30.639 --> 00:43:32.760
you got to be proactive. Ain't
no or you have to be proactive.

472
00:43:35.440 --> 00:43:38.119
You have to be because the government
you've seen and y'all get excited. You

473
00:43:38.159 --> 00:43:45.440
see, the state of Florida's got
this treasure Florida Treasure treasure hunt type of

474
00:43:45.480 --> 00:43:49.760
thing, and it's all the people
who are old money, but they're deceased.

475
00:43:50.400 --> 00:43:52.280
So it goes back to the state. Talking about the probate peace,

476
00:43:52.639 --> 00:43:58.440
it goes back to the state,
and you've got to prove that you were

477
00:43:58.559 --> 00:44:00.159
related to that person. They don't
want to. They don't care about the

478
00:44:00.159 --> 00:44:05.039
death certificate. They already know he's
dead, they know she's dead. She

479
00:44:05.199 --> 00:44:09.639
shit, there's money is that some
miscellaneous company had sent my husband and adds

480
00:44:09.719 --> 00:44:14.800
up to less than one hundred dollars. But I can't even put We can't

481
00:44:14.840 --> 00:44:17.920
because he had a different address and
everything else before he passed, so we

482
00:44:19.000 --> 00:44:22.360
can't. I can't even get it
for the kids. So it's it's a

483
00:44:22.400 --> 00:44:25.480
mess out here when you have to
walk in that thing. And I want

484
00:44:25.480 --> 00:44:30.480
to say another thing too. If
you give somebody a power attorney, or

485
00:44:30.519 --> 00:44:36.440
you're the power of an attorney over
someone, the moment that person takes their

486
00:44:36.519 --> 00:44:42.239
last breath, that power of attorney
is null and voided. My husband passed

487
00:44:42.360 --> 00:44:45.280
in even though side checking number before
it was his power of attorney. She

488
00:44:45.480 --> 00:44:49.519
went to the bank, that nine
o'clock bank, not even thinking about it.

489
00:44:49.960 --> 00:44:52.000
She closed the account, which was
a favor for us because everything came

490
00:44:52.159 --> 00:44:54.800
straight to me, so it didn't
go through the bank account because it was

491
00:44:54.800 --> 00:45:00.079
closed. But she didn't know that
the power attorney see said desist at two

492
00:45:00.119 --> 00:45:05.639
thirty a m. That morning,
so be careful about that power of attorney

493
00:45:05.639 --> 00:45:09.000
stuff. Okay, you got to
really ask questions Google. Every Google.

494
00:45:09.079 --> 00:45:13.440
Google will tell you the truth on
everything. They'll tell you where, who,

495
00:45:13.440 --> 00:45:15.599
how old somebody is, and what
they did back twenty years ago.

496
00:45:15.920 --> 00:45:21.719
So Google, I don't know who
sat and put on That's always scared me

497
00:45:21.760 --> 00:45:23.480
too, because like, how do
they know this stuff? All this stuff?

498
00:45:23.880 --> 00:45:28.039
But you know, and even Google
Maps, how do you know this?

499
00:45:28.079 --> 00:45:30.840
Most of the time it's leading into
a ditch. But you know,

500
00:45:30.000 --> 00:45:34.239
I mean, who sits there put
all this information? In? Any other

501
00:45:34.400 --> 00:45:37.519
questions I know missed you early on. You asked, is there any way

502
00:45:37.559 --> 00:45:45.360
you keep your kids on on your
insurance even beyond their age? If we

503
00:45:45.400 --> 00:45:47.079
have an answer for that, I
don't think we can. I think because

504
00:45:47.079 --> 00:45:51.400
the state is the big brother.
The law. Yeah, yeah, the

505
00:45:51.559 --> 00:45:58.760
law is very very clear on that. Basically, if it's a a special

506
00:45:59.000 --> 00:46:06.079
condition or a special need situation,
uh, there's they would qualify for their

507
00:46:06.119 --> 00:46:10.280
own insurance, for example Medicare.
This is why I have a nineteen year

508
00:46:10.280 --> 00:46:20.159
old client who is on Medicare because
of she suffers from actually she has been

509
00:46:20.239 --> 00:46:25.639
diagnosed with a mental disability, and
because she can't work, so she is

510
00:46:25.679 --> 00:46:32.719
on Medicare, so she is being
provided care for and that way, she's

511
00:46:32.760 --> 00:46:42.280
also got the state as well.
What is it called when you're you could

512
00:46:42.280 --> 00:46:45.719
be the guaranteur who assigned to handle
things after the death of a loved one.

513
00:46:45.760 --> 00:46:49.920
Yeah, and that's got to be
in writing as a guarantee. Is

514
00:46:50.039 --> 00:46:58.679
another executor. I think that's an
executor. Yeah, yeah, but you

515
00:46:58.760 --> 00:47:00.719
got to you got to you know, you got to get a lawyer behind

516
00:47:00.760 --> 00:47:05.280
this, and and and so,
because they will cross the t's and dot

517
00:47:05.320 --> 00:47:07.440
the i's and not theize this thing. You can't just go to the office

518
00:47:07.440 --> 00:47:12.000
depot and get the paperwork. And
you can some people do that. That's

519
00:47:12.039 --> 00:47:15.920
when they're designating property and stuff like
that, turning over assets. It gets

520
00:47:16.000 --> 00:47:22.440
it gets murky, It gets murky. So you know, and like like

521
00:47:22.719 --> 00:47:27.599
you know, uh, Pastor Miguel
said, you don't want to get into

522
00:47:27.639 --> 00:47:31.159
probate if you can, if you
can help it. If you can help,

523
00:47:31.320 --> 00:47:37.280
you want to get into probate.
So designate your your your your beneficiaries

524
00:47:37.280 --> 00:47:43.000
as best as you can. Let
everybody know what your wishes are and everything

525
00:47:43.079 --> 00:47:45.280
like that. I've already told my
kids, and I'm gonna make you laugh

526
00:47:45.320 --> 00:47:49.920
here. And I already told my
kids that you let everybody know when I'm

527
00:47:49.920 --> 00:47:52.679
gonna let everybody know when they having
a repass for me, if I if

528
00:47:52.679 --> 00:47:55.639
I, if I go before everybody
else. Y'all, it's great that y'all

529
00:47:55.679 --> 00:48:00.119
came. Thank you for the flowers. I'm gonna have a video and and

530
00:48:00.159 --> 00:48:04.599
I'm gonna say thank you all for
coming. If you see me talking,

531
00:48:04.639 --> 00:48:07.159
if I'm talking to you in this
video format, then that means I'm no

532
00:48:07.199 --> 00:48:12.119
longer there with you in Preston in
the present. Just want to let you

533
00:48:12.199 --> 00:48:14.360
know. I know a lot of
you thought that a lot of people who

534
00:48:14.639 --> 00:48:16.199
were holy and deep they were going
to heaven. When I'm here to tell

535
00:48:16.239 --> 00:48:19.239
you they ain't make it. They're
not up here. I've been looking for

536
00:48:19.280 --> 00:48:23.360
them. They are not here.
So get over that part, y'all.

537
00:48:23.400 --> 00:48:27.199
Go home, Go go to my
house, leave my kids alone. We

538
00:48:27.320 --> 00:48:30.599
got y'all. Y'all got your airline
tickets. Y'all fly wherever you need to

539
00:48:30.639 --> 00:48:34.199
go. And we're done. God
blessed, and we're out. On that

540
00:48:34.320 --> 00:48:37.239
note, Thank you sir so much, so much for coming back and joining

541
00:48:37.360 --> 00:48:42.119
us. I have a feeling we
may need to have you come back before

542
00:48:42.199 --> 00:48:45.119
the end of the year. Uh, just to clarify cleaning up now,

543
00:48:45.159 --> 00:48:49.079
because I know everybody's got a lot. We gave them a lot of information

544
00:48:49.159 --> 00:48:52.440
tonight, but it was all worth
it. And what will you tolerate?

545
00:48:52.960 --> 00:48:57.760
What would you what would you put
up with? You know, you've got

546
00:48:57.840 --> 00:49:01.840
to come out of your shell and
and and be diligent in what you do.

547
00:49:01.960 --> 00:49:07.039
And then the decision making who will
be the beneficiary on your accounts?

548
00:49:07.400 --> 00:49:09.599
How we're gonna you know, do
you want what's what's your service needs to

549
00:49:09.599 --> 00:49:14.400
look like? What can you pay
for before you leave here? Instead of

550
00:49:14.440 --> 00:49:17.039
you know, going man was in
his home around and he's trying to get

551
00:49:17.039 --> 00:49:22.679
his lottery tickets. I'm like,
wow, priorities here, guys, priorities.

552
00:49:22.719 --> 00:49:25.360
But anyway, we're gonna go.
Thank you, trade trading say much

553
00:49:25.360 --> 00:49:29.440
tonight. But I know she was
nod in her head and listening and she

554
00:49:29.559 --> 00:49:31.880
had all those things. But I
thank you, guys, God bless you

555
00:49:31.920 --> 00:50:04.800
all. Will see you next week, same time, same station, night s