Three Simple Ways to Grow Your Savings in the New Economy (July 2022)

Financial FreedomDon’t Let Worry Distract You from the Opportunities Around You

You ought to have invested my money with the bankers, and at my coming I should have received what was my own with interest- Matthew 25:27 (The Parable of the Talents) 

The Federal Reserve is on a path to drastically increase interest rates in 2022 and 2023. This pivot in interest rate policy comes after two years of rates at or near 0%, which made it hard to earn a reasonable return on cash reserves.

Higher interest rates mean worse terms for lending, but they can also create opportunities to grow your savings – which is expected as we steward assets for a God of growth and abundance. It’s important to not be distracted by worrying like the man in the Parable of the Talents (Matthew 25:14-30) who said he was afraid and simply buried the money given to him for fear of losing it. Below are three suggestions for where you can put your hard-earned dollars to get the full benefit of these changes.

Put Your Emergency Fund in an Online Savings Account

If you’re not already taking advantage of online savings accounts for your emergency fund or other short-term savings goals, you’re missing out. These virtual banks have the same FDIC insurance protection as the brick-and-mortar banks, but they tend to offer significantly higher yield thanks to their reduced overhead costs.

In the last financial cycle before the pandemic shake-up, we saw online savings accounts offering 2.2-2.4% returns on accounts that might yield a 0.1% interest at a large local or national bank. To put that in practical terms, if you put $10,000 in an online savings account with a 2.4% interest rate, you’d earn $230 in interest accrual that you wouldn’t see if you’d gone with a more traditional in-person bank branch.

These accounts are best for money you need to keep relatively liquid or will need to access within a few years. Emergency savings and vacation funds are excellent options for this type of savings. If you’re looking for a more long-term investment with even greater potential rewards, there are better options available.

Use Certificates of Deposit (CDs) for Short-Term Investments

CDs have traditionally been one of the safest and highest-yield options for savings. For the last few years, their interest rates have been lower than many savings accounts, making them a less-appealing option, but that trend looks like it will change in the near future. We’re anticipating higher interest rates on CDs than we’ve seen for several years (believe it or not, CD rates reached over 10% in the early 1980’s).

What makes a certificate of deposit better than a savings account? The biggest advantage is the locked-in interest rate, which ensures predictable and guaranteed growth over the period of a few years. The longer the term, the better the rates. If you’re saving for a big purchase, like a home down payment or college fund, setting the money aside into a CD for 3-5 years can yield a significant and guaranteed return without any risk. Like other bank accounts, CDs are FDIC insured up to $250,000 (double that for a joint account with two people), and they provide returns without any market risk.

CDs do have some drawbacks, though. The downside to locking in your rates is that the money loses its liquidity for the duration of the savings term. Cashing out a CD early is tricky and results in harsh financial penalties. For that reason, it’s a good idea not to keep all of your eggs in one basket: set aside some personal wealth in a CD for safekeeping but keep a bit aside in a high-interest savings account as well in case of emergency.

Consider Money Market Mutual Funds for Your Retirement Savings

Money market mutual funds (not to be confused with money market accounts, or MMAs) are investments sponsored by an investment fund. They are not savings accounts and don’t come with FDIC insurance on the principal, so they do carry some risk. However, as investments go, they are some of the safest and are poised to become more attractive as interest rates continue to climb.

Like all mutual funds, money market funds operate by pooling money from multiple investors, who each receive shares comparable to their initial investment. That pooled money (the mutual fund) is then invested. In the case of money market funds, the investments are made in cash and cash equivalent securities, otherwise known as cash instruments.

With interest expected to exceed 1% and continue rising, money market mutual funds are poised to grow faster than most savings accounts while posing relatively little risk compared to other types of speculative investments. They’re a favorite vehicle for retirement savings because of this. If you currently have money tucked away in an investment or brokerage account, applying those funds to a money market mutual fund investment could earn you some notable growth.

The Bottom Line: You Can Benefit from Higher Interest Rates

These rate changes fall within predictable patterns, and the Fed has been transparent with its intentions. Based on previous rate increases, it’s likely we’ll see interest continue to rise before stabilizing or falling off again.

The Bible has multiple references to blessing for those who are intentional and productive stewards, and disappointment for those who are not. What investments are best for you will ultimately depend on your financial goals, and specific strategies are best discussed with your financial planner. But it’s important to stay abreast of the changing landscape and wisely manage what God has entrusted to you.

Read More About Intentional Voice and Financial Freedom

Learn More About John Moore Associates

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

When It Comes to Your Finances, Start Living Intentionally in an Unpredictable World (July 2022)

Financial FreedomDiscover How to Confront Your Financial Fears and Replace It with Peace of Mind

For this reason, I say to you, do not be worried about your life, as to what you will eat or what you will drink; nor for your body, as to what you will put on. Is not life more than food, and the body more than clothing? Look at the birds of the air, that they do not sow, nor reap nor gather into barns, and yet your heavenly Father feeds them. Are you not worth much more than they?

Matthew 6:25-26

It’s natural to feel nervous about the future of your finances when the market is going through a period of volatility. Interest rate changes, stock price fluctuations, inflation, and other economic factors can all lead to feelings of uncertainty.

What’s important to remember, though, is that the movement of the market does not always affect you. Over time, many fluctuations will stabilize. If you’re making smart choices and diversifying your investments, market challenges do not have to pose a significant threat to your finances.

How you should respond to market volatility ultimately depends on your risk tolerance and timeline. Let’s look at some specific factors to consider and break down some financial planning strategies that make sense in a few different situations.

What Are Your Financial Goals?

It’s impossible to make any real progress without a goal in mind. This is as true of your finances as anything else in life. You need a clear picture of why you are saving this money and what purpose the funds will be applied toward. Are you setting aside an emergency fund? Saving for retirement? Setting up college funds for a child’s education? Preparing a foundation to pass along generational wealth?

Every financial goal should have a dollar amount and a timeline attached to it. How much money do you need to have saved? When will you need access to that money?

For which of you, desiring to build a tower, does not first sit down and count the cost, whether he has enough to complete it? Luke 14:28

Once you have those two pieces of information, you are in a good position to make investment decisions that will leave you in the right place when volatility comes.

How Soon Will You Need Your Money?

The timeline of your financial goals will guide the nature of your investments.

0-2 Years: If you’re setting up an emergency fund or saving toward a smaller purchase you plan to make within the next year or two, your priority is preservation and liquidity. This is not a time to take any risks with your investment. Opt for a high-interest savings account, a certificate of deposit (CD), or a low-risk investment like a money market fund or short-term bond.

3-5 Years: Goals with this timeline might include saving for a down payment on a home or a child’s education fund. The goal is moderate growth, which involves slightly more risk. A diversified portfolio with less than 60% stock and the rest in low-risk options will usually provide the best balance of growth and security.

6+ Years: Longer-term savings such as retirement funds can afford to be a bit more aggressive. Aiming for high growth over a longer period means being able to weather the storm of short-term market volatility. A balanced portfolio with 60% or more in stock is poised to grow best in the long term without risking too much of your principal.

Long Term: An “infinity” portfolio for multigenerational wealth accumulation can afford to be much more aggressive. This is money that will go beyond you and your children and help to serve future generations of your family or contribute toward a charitable legacy. Because liquidity is not an issue with this type of fund, you can afford to be more aggressive. Up to 80% stock is appropriate here. Research suggests that an 80% stock portfolio has nearly the same return as placing 100% in stocks but experiences significantly less risk and volatility.

Regardless of the timeline, a diversified portfolio is an essential part of financial planning. Even the most aggressive investments should follow the principles of diversification by spreading investment dollars across multiple stocks and avoiding speculative investments. Your financial planner can help you create a portfolio that best balances risk and growth to serve your long-term goals.

Different Goals, Different Strategies

When approaching money management, it’s best to think in terms of individual buckets or silos that hold funds for different purposes. You likely have a variety of financial goals, and each of those goals has its own timeline. Maybe you’re saving for a big vacation next year or a vacation home within five years. Perhaps you’re planning a large gift of appreciated securities to a charity in the future and need to grow it first. Segmenting your money allows you to be more intentional about your investments and plan more wisely.

Keep your funds separated and maintain multiple risk portfolios to maximize returns on specific investments while minimizing risk to your overall wealth and future goals.

Eliminate Anxiety with a Long-Term Perspective

Market volatility in the day-to-day has little effect on most long-term investments. A properly diversified portfolio will weather most storms and grow over time regardless of more minor ups and downs. Remember, Satan is the author of fear and anxiety. We can live in victory, regardless of our financial environment, while prayerfully taking steps to be the best stewards of God’s finances (He owns it all!) When you keep a sense of perspective about your goals, you can be confident about the financial planning decisions you make today regardless of market challenges. Keep in mind, you are built in the image of a patient and purposeful Father. I encourage you to recognize Satan’s lies and pray for God’s peace, patience, and wisdom when financial stress is present. Live victoriously and rest in whose you are!

For God has not given us a spirit of fear, but of power and of love and of a sound mind.

2 Timothy 1:7

Read More About Intentional Voice and Financial Freedom

Learn More About John Moore Associates

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #1 – Spend less than you make

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness

Brian Cochran, CKA®, CFP®, Financial Planner
John Moore, CKA®, CIMA®, Principal

The John Moore Associates team could not be more excited to serve as a business partner with Family Life Radio. For over 21 years, we have helped families become intentional in their financial planning and investment decisions through the application of biblical principles.

Did you know there are over 2,000 verses in God’s Word relating to money and material possessions? From these Scriptures come six key principles that can serve as your foundation for wise stewardship and financial wellness:

  1. Spend less than you make
  2. Be prudent about debt
  3. Build liquidity
  4. Set long-term goals
  5. Act like a manager, not an owner
  6. Give generously

Let’s look at the first principle- Spend less than you make. Living within your means is a simple principle and serves as the foundation for financial success. It is also very easily violated. Our modern culture pushes us to spend all we have and more in the search for meaning, acceptance and happiness. We are bombarded with the message that if we can raise our standard of living just a bit more, we will find joy. The bible teaches us differently. Luke 12:15 is one of many warnings about possessions- “Watch out! Be on guard against all kinds of greed; life does not consist in an abundance of possessions.”

Are you violating this principle? A spending audit may be in order. Many banks provide reports for credit card and bank accounts to help you understand where you are spending. You may consider enrolling in a mobile or desktop application that allows you to aggregate multiple accounts for a more comprehensive view. Many apps include budgeting tools to help you set goals and receive alerts when you violate spending goals. Once you know where the money is going, you can reflect on your spending and look for categories that do not reflect your values. Does your spending reflect your belief that God owns it all, and he cares how you spend it?

Thankfully, God’s grace extends to our stewardship of his assets. We are not expected to be perfect. However, God does care about our heart and perspective about money. Do you seek joy and fulfillment in possessions, or do you feel a sense of gratefulness and contentment? Acknowledging the emotions around spending is an important first step to spending wisely and creating the margin required to be successful with your money.

We look forward to helping you go deeper into God’s principles in the coming months through Family Life Radio.

More Keys to Financial Wellness:

Intentional Voice: Key #2

Intentional Voice: Key #3

Intentional Voice: Key #4

Intentional Voice: Key #5

Intentional Voice: Key #6

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #2 – Be prudent about debt

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness
Key #2

Brian Cochran, CKA®, CFP®, Financial Planner
John Moore, CKA®, CIMA®, Principal

The John Moore Associates team could not be more excited to serve as a business partner with Family Life Radio. For over 21 years, we have helped families become intentional in their financial planning and investment decisions through the application of biblical principles.

Did you know there are over 2,000 verses in God’s Word relating to money and material possessions? From these Scriptures come six key principles that can serve as your foundation for wise stewardship and financial wellness:

  1. Spend less than you make
  2. Be prudent about debt
  3. Build liquidity
  4. Set long-term goals
  5. Act like a manager, not an owner
  6. Give generously

Today we will take a closer look at the second key: Be prudent about debt. God provides two clear principles about debt. First, debt holds us back from future opportunities. Proverbs 22:7—The rich rule over the poor, and the borrower is slave to the lender. Borrowing today holds us back from future opportunities as we are beholden to our debt. Does your debt hold you back from opportunities to give, pursue a new career, or participate in missions?

Second, scripture is clear that we are to repay our debts. Romans 13:8—Owe no one anything, except to love each other. Notice how the message is not to avoid debt completely. Instead, we are instructed to pay back any loans we take on. Unpaid debts hurt everyone involved. The borrower who does not pay his debts is saddled with shame. The lender takes on financial loss.

Ask yourself two questions when considering a new purchase that requires owing money:

  1. How confident am I that I can repay this debt?
  2. What opportunities am I giving up to pay this debt?

If you are comfortable with the tradeoffs of the new debt, then you can proceed with confidence.

More Keys to Financial Wellness:

Intentional Voice: Key #1

Intentional Voice: Key #3

Intentional Voice: Key #4

Intentional Voice: Key #5

Intentional Voice: Key #6

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #3 – Build Liquidity

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness
Key #3

Brian Cochran, CKA®, CFP®, Financial Planner
John Moore, CKA®, CIMA®, Principal

The John Moore Associates team could not be more excited to serve as a business partner with Family Life Radio. For over 21 years, we have helped families become intentional in their financial planning and investment decisions through the application of biblical principles.

Did you know there are over 2,000 verses in God’s Word relating to money and material possessions? From these Scriptures come six key principles that can serve as your foundation for wise stewardship and financial wellness.

  1. Spend less than you make
  2. Be prudent about debt
  3. Build liquidity
  4. Set long-term goals
  5. Act like a manager, not an owner
  6. Give generously

We addressed spending and debt in the first and second quarters (links). Today we will take a closer look at the third key: building liquidity.

Life is filled with uncertainty. Holding safe and stable reserves is your best risk-management tool. Unfortunately, many American households rely on debt to cover even the smallest financial emergency. A recent study by Bankrate found that 28% of Americans have no emergency fund at all, and 25% cannot cover three months of expenses with their savings. As financial advisors, we frequently meet couples of all ages who have funds in their 401(k) or in acquired real estate, but do not have sufficient liquid funds to pay for a new roof, a car repair or a surprise medical bill.

Building an emergency reserve is a difficult task that takes many households years to accomplish. That said, it is never too early to get started!

  1. Begin by opening a savings account at your local bank. The higher the yield the better, but the primary goals are accessibility and safety. Consider an online bank for higher yields. Resist the urge to invest your emergency reserves in volatile assets such as stocks or cryptocurrency.
    Proverbs 21:5—Steady plodding brings prosperity; hasty speculation brings poverty.
  2. Set a goal of having $1,000 in the bank. You would be surprised at how many emergencies you can cover with $1,000 or less.
  3. Save a consistent amount of every paycheck. Many employers allow regular payroll to be split between your checking and savings accounts. Take advantage of this feature to automate your savings.
  4. Understand that your balance may take “two steps forward, one step back” as you face emergencies along the way. Do not be discouraged. The key is to slowly accumulate your reserves and move away from a reliance on high-interest credit card loans or other forms of debt.
  5. Consider using bonuses or tax refunds to boost your savings rate. Fight the temptation to spend these windfalls. You will not regret it when the dishwasher breaks down or the roof starts leaking!
  6. Once you reach your $1,000 goal, set a goal of having the equivalent of three months of your expenses. If you have a variable income or a risk of unemployment, consider saving for six months of expenses.

A strong emergency reserve covers short-term risks and allows you the privilege of thinking long-term. We will discuss the importance of looking at long-term goals next time!

More Keys to Financial Wellness:

Intentional Voice: Key #1

Intentional Voice: Key #2

Intentional Voice: Key #4

Intentional Voice: Key #5

Intentional Voice: Key #6

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #4 – Set long-term goals

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness
Key #4

Brian Cochran, CKA®, CFP®, Financial Planner

Setting goals is helpful in all aspects of life, but it is essential for wise financial decision-making. Without clear objectives, we leave ourselves open to short-term influences of fear, greed and culture. By setting long-term goals, we can thoughtfully and prayerfully seek God’s will. This is why setting long-term goals makes the list of Keys to Financial Wellness.

  1. Spend less than you make
  2. Be prudent about debt
  3. Build liquidity
  4. Set long-term goals
  5. Act like a manager, not an owner
  6. Give generously

You may have experience setting goals related to your career, education, faith, relationships or physical health. As a Financial Planner, I have met people who have set and achieved exceptional goals in all areas of life but never set a goal for their finances. Some people do not take the time to think about money, and others have trouble talking about money with their spouse, while many feel ill-equipped to address the topic. Whatever the reason for not setting financial goals, it is never too late to get started!

As a follower of Christ, your goals should always start with God’s calling for your life. Start with prayer and seeking God’s will. Isaiah 32:8 says, “But the noble make noble plans, and by noble deeds they stand.” What noble causes does God have in mind for HIS wealth under YOUR management? If you are married, be sure to include your partner in the pursuit of God’s plan. Once you know God’s vision for your future, you can begin to develop a goal. I like to use the following formula:

$ Goal = How much + When + Why

The timeline and dollar amount will help you determine how much you need to save each month or year. The “Why” helps determine if the goal fits your values and God’s plan. Here is an example:

I will save $20,000 (how much) by May 2025 (when) so I can serve on a mission trip to Africa in celebration of my son’s graduation (why).

Most families develop financial goals with at least one key component missing. For example, I often meet with people who want to retire. Their goals usually sound something like I want to retire when I’m 62. That is not enough information to consistently make the hard decisions required to meet a daunting financial goal like retirement. We can round out the goal by adding an amount and a purpose. I will save enough to withdraw $80,000 per year starting at age 62 so I can leave my career and spend more time with my grandchildren and volunteering at my church.

I encourage you to set financial goals for all key areas of your finances. Share your goals with an accountability partner. Check on your progress at least twice a year. Not sure how to meet your goals? Consider hiring a professional to set a wise course.

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

More Keys to Financial Wellness:

Intentional Voice: Key #1

Intentional Voice: Key #2

Intentional Voice: Key #3

Intentional Voice: Key #5

Intentional Voice: Key #6

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #5 – Act like a manager, not an owner

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness
Key #5

Brian Cochran, CKA®, CFP®, Financial Planner

God owns everything. Period. You cannot escape this reality as you read scripture. 1 Corinthians 10:26 makes it very clear for someone like me who may want to find a grey area or opportunity to bend the rules- For the earth is the Lord’s, and all it contains. If God owns everything then every financial decision is a spiritual decision! The bank account under your name, the car in your driveway, that annual bonus check, your home, your pension check…they all belong to God. This reality is so crucial that it deserves a place on the six keys to financial wellness.

 

  1. Spend less than you make
  2. Be prudent about debt
  3. Build liquidity
  4. Set long-term goals
  5. Act like a manager, not an owner
  6. Give generously

 

Some believers may feel a sense of burden or guilt as they come to understand God’s ownership of their money. They focus on past mistakes and selfish decisions. I encourage an alternative perspective. As a steward of God’s resources, you are the money manager for a forgiving father with abundant wealth, love, generosity, grace, and a desire for you to grow closer to him in everything you do. Our stewardship role gives us the opportunity to accept what God gives us and use it to mature in our faith. With that in mind, how do we act like a manager?

 

  • First- Seek God’s will with every financial decision you make. We understand his will by reading his word and praying for his guidance. Always ask “What would God have me to do?” James 1:5
  • Second- Hold all resources loosely. God may have a different plan for your money than you expect. We must hold everything with an open hand so God can align his resources with his plan. Proverbs 3:5
  • Third- Be cautious not to confuse your desires for God’s will. I cannot tell you how many times I have heard a Christian justify an emotional spending, debt, or investment decision as God’s will. Matthew 6:10
  • Fourth- Seek wise counsel. Always be willing to bounce financial ideas off a wise brother or sister in Christ who can help you avoid making costly mistakes. Proverbs 15:22

 

Nobody is a perfect manager, and even the most mature Christians constantly struggle with ownership. Do not be discouraged by mistakes. Learn from your them and consistently ask for God’s forgiveness and wisdom. You are closer to his will when you feel a sense of joy, contentment and peace. Greed, fear, and a scarcity mentality are signs you need to re-align your actions with his word.

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

More Keys to Financial Wellness:

Intentional Voice: Key #1

Intentional Voice: Key #2

Intentional Voice: Key #3

Intentional Voice: Key #4

Intentional Voice: Key #6

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio

Key #6 – Give generously

It’s a privilege for Family Life Radio to partner with other ministries, agencies and businesses across the nation—all of whom share the vision to help others experience hope in the name of Jesus. This month, please meet Brian Cochran and John Moore from John Moore Associates, a respected financial advice company founded on biblical wisdom.

Six keys to your financial wellness
Key #6

Brian Cochran, CKA®, CFP®, Financial Planner

We are made in God’s image, and God is generous. Therefore, we are meant to be givers and should not be surprised with the joy that comes with generosity. Joyfully and sacrificially giving fights the power of greed, reminds us of the needs of others, and encourages a healthy relationship with money. For these reasons (and so much more!) giving generously is one of the six keys to financial success.

 

    1. Spend less than you make
    2. Be prudent about debt
    3. Build liquidity
    4. Set long-term goals
    5. Act like a manager, not an owner
    6. Give generously

 

Paul provides the guideline for giving in a way that honors God in 2 Corinthians. Each of you should give what you have decided in your heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. Do you share your resources with those in need? I have advised hundreds of families on their personal finances. Many give. A small minority give God’s way. 

 

Who should give? Each of you should give… 

Generosity is not reserved for those who have their finances all figured out. I often hear “I’ll give when I make more money” or “when I pay off my debts” or “after the kids are done with college.” Paul does not say giving is only for the rich or debt-free!

 

How much should we give? …what you have decided in your heart to give

Paul didn’t say to give 10% or any other pre-determined amount. Giving is a HEART issue, not a rule.

 

What attitude should we have when we give?…God loves a cheerful giver.

We are to give with a smile and a sense of gratitude.

 

I use Paul’s guidelines to define generosity as compared to giving. Anything you share is a gift, but you are generous when you give cheerfully, from the heart, and without compulsion. I know I have made gifts without being generous. How are you giving?

 

More Keys to Financial Wellness:

Intentional Voice: Key #1

Intentional Voice: Key #2

Intentional Voice: Key #3

Intentional Voice: Key #4

Intentional Voice: Key #5

John Moore Associates is not affiliated with Family Life Radio
Any opinions are those of the author and not necessarily those of John Moore Associates or Family Life Radio