Financial Issues - 07.18.2025

Episode Transcript

Speaker 1 (00:03):
Welcome to Financial Issues, where we join reality with truth,
helping you make the most of your money by honoring
God with your investments. Now listen man, as we give
you the practical tools and advice you need to become
a biblically responsible investor.

Speaker 2 (00:23):
Good morning, folks, welcome to Financial Issues. It is a
joy to be here with you this Friday morning. I'm
Seth you Dinski along with Sam Case our team here
in our Philadelphia studios. We're grateful for each and every
one of you. Thanks for joining us. However, you are
TV Radio.

Speaker 3 (00:36):
Except for one person. There is one person in the audience.
We're not grateful for right. That's up for you to.

Speaker 2 (00:41):
We're not going to tell you who it is. We're
just kidding. We're grateful for all of you.

Speaker 4 (00:44):
Now.

Speaker 2 (00:45):
Great, great to havevy to you today. I'm excited for
our conversation Sam. I'm looking forward to it. Buddy. We're
gonna have some fun. Speaking of fun, I've got Twila
Braze joining me in about fifteen minutes, folks. She's going
to discuss the implications of the Big Beautiful Bill as
it pertains to our health freedoms. You're not going to
want to miss that some mother topics as well. If
you got questions for Twila, by the way, now's the
time to put those in to the chat. So get

(01:05):
those questions in now so I can see them, and
then we'll hopefully have time to get to one or
two of those during our conversation. Also, the biggest transgender
pediatric clinic in the country is on its deathbed, and Sam,
we're going to celebrate its death with great joy in
just a minute. I'm excited for that. Your questions and
comments as well, folks, get those in on the chat
right now. Wherever you're watching, we'll make sure to say

(01:26):
hello to you. Also, refugees are leaving the third World,
or at least a hell whole city that is rapidly
becoming the third World in favor of the Free State
of Florida. That third world country is New York City.

Speaker 3 (01:38):
It's teetering.

Speaker 2 (01:38):
It's teetering, bank it's almost there. Some parts of it
are already there, and it's teetering. We'll see why. Grateful
for each of you, folks, I hope you're able to
join us for Bible study this morning. It was a
fascinating one. Let's just put it that way. In Daniel
Chapter seven. If you missed it, it's going to be
on the website shortly. We got earnings calls out this morning.
Netflix reported earnings did pretty well. They beat on earnings

(01:59):
per share. They also beat on revenue, so you know,
of course the company doing well. The company is also
not biblically responsible, so you should have no part in
investing in Netflix because they dishonor God in numerous ways.
We want to be pure in God honoring in our investments.
But interesting to see that there. Nonetheless, that was one

(02:19):
of the big hitters this week. We'll move now to
the markets, folks. Yesterday they were digesting the flurry of
news and felt pretty good right out the gate. They're
keeping an eye on what's going on with the Trump
and Pal tussle that we're seeing, keeping an eye on
what's going on internationally. By midday, all three indices were positive.
The tech heavy Nasdaq was leading the way and led
the way throughout the rest of the day. They continued

(02:41):
to rise through the afternoon, and by Thursday's closing bell,
the dal Jones finished just up above a half percent,
same with the S and P five hundred, and the
Nasdaq was now up finishing about three quarters of a
percent positive, So a good day for the markets yesterday.
Early on pre markets this morning, feeling slightly positive, looking
for a winning week here, Yes, slightly up above their

(03:03):
the flatline numbers there. The S and P five hundred
is vying for another record, so we'll see how that
goes today. All right, Sam, Let's move now to that
great news that we teed up just a moment ago.
The country's biggest childhood trans clinic is shutting down. Praise God,
what can you tell us?

Speaker 3 (03:21):
That's right? It is going to be no more as
of next week. The country's biggest pediatric transgender clinic, it's
in California. It is shutting down as President Trump is
cutting federal funding to those types of clinics. According to
the AP, the Center for trans Youth Health and Development
at Children's Hospital LA has been in operation for thirty

(03:43):
years now, and during that time this is very disturbing. Seth.
The hospital has provided transgender hormones and surgeries to thousands
of kids. This also comes, of course, as the Senate
as well as the House have now passed a bill
rescinding I believe it's nine billion dollars the budget and
that would include things like this and also PBS and

(04:04):
I believe NPR two. So this is part of that
cutting package that's going on in the White House as
well as the GOP members of Congress.

Speaker 2 (04:13):
So there's a term in baseball, sam it's a certain
number for a certain number. It means you got a
certain amount of hits every time you went up to bats.
So if you're three for three, that's really good. You
got three hits and three at bats. This is a
three for three. All three of those things getting defunded. Awesome.
The best of those, of course, is the transgender nonsense. Absolutely,
now that's great stuff.

Speaker 3 (04:31):
Folks.

Speaker 2 (04:32):
Listen, we are gaining ground. Okay, we are winning. We
say that to you again. You're unsure, if you're unclear.
Here we are winning. Believers are winning. Talk about taking
back ground from the gates of Hell. Okay, Now, Los
Angeles is not hell, but there's some hellish things about it.

(04:52):
It is perhaps the worst, one of the worst cesspools
of godless fecal matter in this nation. A metaphorically, well
kind of literally too some places. Literally, yes, that's exactly right,
but definitely metaphorically and spiritually for sure, that is the
location of this win this place, Sam corrept me if
I'm wrong, was in Los Angeles. That is is that.

Speaker 3 (05:13):
It was actually kind of surprised. I mean, I'm said
it's shutting down, but it kind of surprised. It is
very shocking because you think that it would have all
the local and state funding, but apparently not.

Speaker 2 (05:22):
It's amazing. It's amazing, folks. We just marched into enemy
territory and punched them right in the mouth. Metaphorically speaking. Again,
this is phenomenally good news. Phenomenally good news. We should
be excited about this several reasons. Let me give you
a couple right off the bat. First, the protection of
the Christian worldview as the governing influence over the public sphere,
and we're seeing that being played out with the weapon

(05:43):
of money. Money is no longer being used to fund
something wicked like this. Let me give you a little
political theory here, and it's something actually Sam and I
were just talking about this in some ways a couple
of minutes before the show. There is, in my opinion,
and I think I'm probably not the only one out
there who holds this opinion, there's no more virtuous influence
over a nation's political system than for it to be
governed by the Christian worldview. The Christian worldview is the best,

(06:07):
most virtuous, most good, most god honoring, best for its citizens,
best for future generations, being the best to be able
to give citizens the ability to prosper worldview out there
for a nation to follow in its governmental system. We
must truly be I believe this. We must truly be

(06:27):
a Christian nation if we want to flourish as a nation. Now,
does that mean every single person in the nation is
a born again Christian? Not necessarily. In fact, it doesn't
even necessarily mean that our political leaders are born again Christians.
I hope and pray that they are, many of them,
by God's grace are. What it means is our political
leaders are celebrating, propagating supporting Christian values in the public space.

(06:53):
Great that this would be someone like Thomas Jefferson, who
I do not believe was really a Christian in his
personal life, but his worldview was so heavily informed by
Christianity that it seeped through in everything he did in
the political sphere. That's exactly right. I mean this action here,
what the Trump administration did to cut federal funding for

(07:13):
this is a result of the Christian worldview overpowering a
godless worldview. That is a wonderful thing. That's a wonderful thing.
And folks, this is an issue of stewardship. By the way.
We need to steward our nation and our people, and
the best way to steward them is to put people
into office who will uphold Christian values. Great news, that's
number one. Number two, this is great news because of
the protection of children from legalized child abuse. Legalized child abuse.

(07:38):
A child cannot buy a cigarette, a child cannot drink alcohol,
they can't drive a car, they can't join the military
until they become of age. I'm in favor of that.
By the way, I don't think children should be able
to buy cigarettes, or drink alcohol, or drive cars or
join the military until they come of age. But in
this country, for some reason, they're allowed to be mutilated

(08:01):
as long as the adults in their care call it
health care.

Speaker 3 (08:05):
I know it'd be far better if they were just
drinking and smoking cigarettes.

Speaker 2 (08:11):
Those aren't good things for children to do. But far,
far worse is this. You're exactly right, Sam, far worse.
Under the guise of health care. They are barbarically mutilated,
and people celebrate and they protect it. Folks, treating a
child as anything other than the gender that God created
them to be is child abuse. Treating a child as

(08:32):
anything other than the gender God made them to be
is child abuse. The people who do this are depraved,
twisted degenerates who should be locked away for a really
long time in our country. They have not been. They've
been celebrated, They've been given raises, they've been given positions
in politics and in the medical field. They are putting
children through torment that they have no idea years down

(08:53):
the road. Ridiculous. It is legalized sexual abuse of a
minor that was put to a stop in California, of
all places. Great, great news, Praise God in heaven. This
demonic mutilation factory has been shut down. I love it.
I want to see more of it again in California,
of all places, and hopefully forever, by God's grace, hopefully

(09:14):
we never see that, and hopefully we also see other ones.
Now it's onto the other cities, Sam, this is not
the only one. I'm sure there are other cities. Philadelphia
probably has one. I'm sure New York's got some. We
want to see those shut down too well.

Speaker 3 (09:23):
Actually, recently the Supreme Court has just upheld a law
in Tennessee where Tennessee wants to ban all of this
stuff in their state, and the Supreme Court gave them
the go ahead and said, great, yes you can do
that after some legal pushback. So really paving the way
for other states to end this awful practice.

Speaker 2 (09:39):
That's awesome. That's awesome, you know, folks. Later in the show,
we're going to continue this topic here, the idea of
having this positive, victorious vision of the Kingdom of God
breaking into this world. If you're on Bible study this morning,
I went on a little bit of a rant, perhaps
longer than I should have, on that very topic. But man,
if you need any reason to be a good steward
of what God has put you over, including your money,

(10:00):
this is it. This is it. We're winning. We're winning.
We got to keep fighting. Just like the victorious is
the victorious Israelites who charged forward after David had brought
down the giant, it's the same for us. Our Lord
Jesus Christ has brought down the giant of sin and
death and has paved the way barreled into the world
in victory in a victory charge. We follow him. That's

(10:20):
what we're doing here, We're following him. There's a great
old hymn called I Know that My Redeemer Lives, and
the lyrics of it are all and the segment with
these lyrics it says this, he lives to crush the
fiends of hell. Glory hallelujah. He lives in doth within me,
dwell glory hallelujah. Shout on, pray on, We're gaining ground,
glory hallelujah. The dead's alive and the lost is found

(10:42):
glory hallelujah. Great stuff, folks, I hope it excites you
to be a part of a positive movement. It's not
going to be easy. We're gonna face hardships, we're gonna
face snags here and there, but we believe that victory
is coming. Good stuff, Twila brace coming on with me
in the next segment. We'll be right back.

Speaker 5 (11:02):
Security is offered through GA Repel and Company, a registered
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to personally implementing it, and consult any financial professional you

(11:25):
work with to make sure it's applicable to your financial plan.

Speaker 2 (11:32):
Folks, hope what I made what I said in that
first segment made a little bit of sense to you.
I apologize if it's ranty at all, but sometimes we
need a little bit of that. You know, I find
myself oftentimes preaching to myself when I talk, so as
I'm speaking to you, the first person I'm always talking
to is myself because I need to hear this stuff
as well. So I hope that could be encouragement to you.

(11:52):
Same with what we talked about in Bible study this morning,
because I know that was similar to that. All right,
let's move now, folks. I got a special guest on
the program with me, my dear friend Twila Brays, the
president and co founder of CCH Freedom, talking about fighting
back for what is good and gaining ground. CCH Freedom
is doing some amazing things in that space of our
health freedoms. Twilet, it's a delight to have you back
in the program. Welcome back.

Speaker 6 (12:14):
Oh, it's always great to be here. Thank yous, Seth.

Speaker 2 (12:16):
Absolutely, let's begin with the Big Beautiful Bill, Twila. It's
been on our minds a lot, of course. Now we'll
be codified into American law. For the most part, I'm
very excited about that, and I'd love to hear your
thoughts of what you make of it, you know, starting
with the good. What is good about this big beautiful bill,
particularly from a health freedom perspective.

Speaker 6 (12:36):
Yes, well, I think what's good is that, I mean,
it's eight hundred and seventy pages long, so there's lots
of stuff in there that I don't even know what's
in there, but I do know there are particularly four
provisions in there having to do with healthcare that are
of interest, and one of those is that establishes a
new Pandemic Response Accountability Committee. So they're going to look

(12:58):
all the spending and maybe even all the money that's
still out there that hasn't been spent, that hasn't been
turned back in, because I know they want it turned
back in. As you probably saw this morning, the the recisions,
the nine billion dollar recisions package has been sent to
the President's assigned so that'll take money away from NPR
and a bunch of oh, I forget, there's a there's

(13:22):
oh foreign aid. There's a lot of different money in
there that's being taken back, so clawed back, and so
that might happen too with this Pandemic Response Accountability Committee.
It also allows health savings accounts for people with catastrophic
and bronze insurance plans within the affordable care you know
exchange or healthcare dot gov or whatever you have at

(13:43):
your state, and so it's expanding health savings accounts. Now,
those should be expanded irrespective of whether you are insured
or not, but the there hasn't been agreement to do
that at the congressional level, which is unfortunate. It also
protects direct primary care clinics by allowing people with high
deductible health plans to use DPC clinics as well as

(14:08):
hsas to fund them up to one hundred and fifty
dollars a month per person or three hundred dollars per
month for couple, and it makes it difficult for people
to get Another provision is that it makes it difficult
for people who don't deserve and they're illegals, right, they
don't deserve to get into Medicaid Medicare, and it makes
it difficult for them to do so. And then not

(14:32):
specific to healthcare at all, but it just it's interesting
because it turns twenty eight of Trump's executive orders into
law on a variety of topics, and that makes it
very difficult for them to ever be repealed, because repealing
laws are very difficult. That's why it's really important not
to ever get them into law if you don't want
them into law.

Speaker 2 (14:53):
Absolutely, Twila, any of those twenty eight executive orders by
Trump do you feel are worth mentioning for our audience?
And I know you had said it's not specific to
health freedom, but certainly important for us.

Speaker 6 (15:03):
Nonetheless, No, I probably could, but I have not taken
any time to really look at them to notice that
there's no healthcare in there.

Speaker 3 (15:12):
Yeah.

Speaker 2 (15:12):
Yeah, we can certainly get you know, the basic idea
of it. And you just mentioned really a laundry list
of things. I think overall, I agree with you completely.
This is a this is really a tremendous thing. It's
really a wonderful thing, to be sure.

Speaker 1 (15:26):
You know.

Speaker 2 (15:27):
Of course, when it comes to politics, Twila, everything is
not perfect. There's alway there's always some give and take here,
and I think there was some of that with the
Big Beautiful Bill as well. What if anything, would you
say maybe was not so good about the Big Beautiful Bill?
Understanding the gainsmanship that happens in political orders.

Speaker 6 (15:42):
Like this, Well, you know, from my perspective, I don't
know all the details of the bill, and so I'm
not going to speak to them. But you know, there
are things I wish we're in there. There are things
I you know, the healthcare sphere that they would do.
You know. The interesting thing is that really hasn't been
talking about out much, but actually the Medicare trustees gave

(16:04):
Medicare three years less of life, So I will be
insolvent in just eight years in twenty thirty three. So
what are they doing about? Okay, so they took illegals
auto Medicare. Well that's good start. Yeah, yeah, that is
not going to help ultimately. And you know, when you
think about big and beautiful things addressing this crisis, which

(16:28):
is a crisis unlike any other financial crisis. I mean,
so much money going into Medicare and Social Security, and
then when we look at how much little or how
little money relatively speaking is going into defense, which we
desperately need in our country. Right. This is something that
I think should have been in a big, beautiful bill,
but of course it would have been terribly controversial, and

(16:51):
so you know, it didn't end up in there. But
eventually they're going to have to address this. Otherwise it's
just rationing one oh one and one O two and
one o three. People you know don't have access to
care because there's no money to pay for them.

Speaker 2 (17:04):
Appreciate that's while as always, let's move on now to
a topic of vital importance, and I think one that
really could use some serious fine tuning in our nation
even now, and that's accountability for doctors. So the topic
of conversation kind of centers heavily around this idea of
there's a past fail grading system for doctors in talks
right now to be slashed in states is Indiana and Texas.

(17:25):
I know very little about it. That's part why I'm
asking to you about it. How does the current grading
system work generally? What else do we need to know
about this?

Speaker 6 (17:33):
I think the most important thing to know about this
is that medical school used to be you know, standard
ABCD fail right, yes, yeah, And today, there's only twelve
out of one hundred and fifty five medical schools that
use traditional grading. The rest of them all use past fail.

(17:57):
And as one physician told me, so there are there
are difficulties with that. But another thing to think about
is that, like one physician said, you know, doctors are
very competitive, and you know somebody who is not competitive,
somebody who's not really you know, pulling their load, or
somebody that isn't excellent, you know, but they but they
make it into you know, a pass. But they could

(18:19):
have been a D. Right another doctor is an A
And how are you going to differentiate between those doctors
and really decide who does and doesn't know, you know,
what they're doing. And in the article that talked about this,
there are some folks in some organizations, like I think
it was a Federal Teachers organization who talk about it's
mentally difficult, you know, for for students to have to

(18:43):
deal with the abc D fail gradient system. Well, I'm sorry,
you know, I'm speaking as a nurse here, but as
a physician, you better be able to mentally deal with
or whether you're getting an abc D or F. And
and it should be really clear to those who have
to consider who is going to go beyond, who can

(19:06):
actually make it out of medical school, who can actually
take care of patients, you know, who has the real skills.
And there was an article I think it was in
the La Times maybe, but it was about UCLA and
about there there were students, there are medical students coming
out who didn't know the basics, the basics about medical care.

(19:27):
And this is all about DEEI and you know, equity
and making people feel good, and you know, having enough
students of this color or that color, or this ethnicity
or that ethnicity. But you know, I'm here to tell
you that the whole point about being a doctor's to
take care of a patient and not harm them, so
to know what you're doing and then to know what

(19:49):
you shouldn't be doing. And so we should go back
to ABCD and fail and doctors should be graded accordingly,
and nobody should get to be a doctor if they
really can't do this stuff. Patients depend on them to
know what they're doing.

Speaker 2 (20:03):
Such a good point, Twila. I couldn't help but think
of several things they're One that comes to mind is
boy that you know, so here's here's a brilliant idea
for you. Instead of training up doctors to be really
really good at their practice as good as they can
be and weed out the ones that aren't so good,
Let's focus on potential doctors just making them feel good,
making their feelings feel good, and then they'll be really
good as they're performing life saving emergency care on someone

(20:28):
and they have no idea what they're doing because they
were they barely made it through on a pass fail system.
That's that's crazy stuff. That's really really frustrating. And it's
even more frustrating when you bring up the fact that
this is all part of the DEI nonsense. If I
were and I'm certainly not, but if I were a minority,
you know, a minority race doctor, I would be furious

(20:48):
with this because people are now going to look at
me and think, well, did he just pass because of
his skin color.

Speaker 1 (20:53):
No.

Speaker 2 (20:53):
I want people to be able to know, you know what,
I passed because I worked hard. I earned this. It's
so frustrating, Twilet, I'm so grateful that you are bringing
this up to us. Might make me reconsider getting surgery.
What are some of the ways that common sense folks
are fighting back against this. I know you had mentioned
there's twelve. I think there's twelve, either twelve states or

(21:14):
twelve twelve schools that are still doing the regular grading system.
What are some other things?

Speaker 6 (21:18):
Well, like you said, there are two states who are
forcing them to leave that system behind. But you know,
as a patient, you know your listeners are sitting there
as patients, going, oh, my goodness, what.

Speaker 2 (21:31):
Do I need to know right?

Speaker 6 (21:32):
And what do I need to do? And I think
it would be good to ask your Well, first of all,
I've had I've heard interviews where doctors say, doctors older
doctors say they don't get any doctor under the age
of fifty. And this is why I heard somebody else
say they don't get any doctor under the age of forty.
So at least at forty, they've had about ten years

(21:55):
of experience, and maybe they have decided whether they themselves
pass or fail, you know. And the thing the thing
about this is if you can't handle the tension and
the anxiety of getting a bad grade, imagine what you
do in an emergency situation. Imagine what it would be
when you are sued for being incompetent and then you
have wasted You've wasted all those years of life doing

(22:19):
something that you're really not able to do and you
should be doing something else, you know, So you know,
it's just ridiculous. You know, people who are smart, who
run these medical schools, who know differently and who know
that they want incredibly good doctors to come out of
their schools, should be making far better decisions, not only
for the integrity of their school, but to help these

(22:41):
students be who they should be, which might not be doctors,
and then to protect the patients right who you know
are depending on those doctors. So I think, you know,
asking asking questions about their schooling. You know, that would
be very if doctors suddenly got asked, were you in
a pass or fail situation? The fact of the manner
is the fact of the manner is patients are vulnerable

(23:04):
and they are going to be afraid to ask those
questions of their doctors. But you could ask them before
you ever get to the office and you ever make
the appointment and see, you know, when did they graduate,
what kind of school did they come from? Then they
could do research on Okay, well that school had passed failed?
Do I want that doctor? You know how old is
that doctor?

Speaker 1 (23:23):
Right?

Speaker 2 (23:24):
Twila? That is so well said, you know, I had
a couple more questions that I wanted to ask you
about some of the things that are going on here.
But we've come to the end of our segment here,
do you have time to hold over for just a
couple of minutes? I do awesome, that would be so great, Twila.
Thank you so much. So, folks, we're going to have
Twila on for just a couple more minutes. We're going
to pick up this conversation on the other side of
this break. We appreciate you, Twila so much. We'll be

(23:45):
right back after this. Folks, you have to leave us.
Hope you have a great weekend, but I hope you'll
stick around for more financial issues right after this, folks,
welcome back. Hey, I'm so grateful Twila is able to

(24:07):
stick around with us for a couple more minutes here.
We're happy to have her. Do appreciate you all sharing
your comments in the chat there. Quick one from Jason
now saying, can we sue Congress for incompetence? I wish,
brother boy, that would be great getting to keep them
accountable as well. But at any rate, you know, folks,
Twila and I were talking during that break. It is
so important for you to be able to know, you know,

(24:30):
God gave you a voice, to be able to speak up.
When we're in doctors' offices and I speak from experience here,
it is so hard to speak up and to challenge
them because they are the experts. There's this there's this
power balance that's way out of balance where they're the
experts oftentimes, Twila, as you said, you know, we're we're
coming in with a need, we're sick, we're injured, and
we just need help. And so it's very hard to

(24:54):
you know, respectfully but appropriately challenge them. But we have
to be able to do that, Twila.

Speaker 6 (25:00):
So there are you know, different things. One, they're supposed
to be professionals, and because they're professionals, there's like this
thing about professionals is that they understand that you are
in a vulnerable position and they are responsible to treat
you as a professional with integrity and ethics because you
you know, you could otherwise die or be hurt or whatever.

(25:22):
That's that's about being a professional. And so and so
what I do tell people to do though, if you're
going in there for something and maybe it's more complicated
than just like a sinus infection or euache or you know,
I don't know, a broken bone, but that you you
sit there and think for a little bit before you
ever get in there. What are the questions you want

(25:42):
to ask your doctor? And then you take that pad
of paper and you take your pen and you pull
it out and you say, I have some questions that
I need you know, after you have examined me. And
you never get rid of the pen or the paper
because as soon as you set it down, you will
find it difficult to ever pick it up. So and

(26:03):
so that is one way to protect yourself and to
get your questions answered, is to make sure that you
come armed, as it were. But yes, it is difficult
because you are vulnerable. And that's why the professional is
supposed to treat you like a professional, not just like
a you know, worker of some sort.

Speaker 2 (26:20):
Yeah, yeah, wow, that's great, Thank you so much. Hey,
let's switch gears here for just a moment. So, there
was a press release that you guys had sent out
I think this past week, in fact, just a couple
of days ago. There's a bill by an Arizona congressman
that would automatically enroll everyone in Medicare advantage and then
require them to opt out of it, and if they don't,
they'd be locked in for three years. What can you

(26:42):
tell us about this and what do we need to
know about it?

Speaker 6 (26:46):
Congress A Republican Congressman David Schweikert from Arizona. He put
this bill out in May. We just discovered it. It
does not have any co sponsors, which is great. But
he is also the chairman of a finance committee, the
Joint Finance Committee, so he has a powerful position, and

(27:07):
clearly what he wants to do is put everybody into
Medicare advantage and then leave everyone these seniors to figure
out first that they've been put in there, second that
they had another option, third that they can opt out
but only probably for a limited period of time, and
fourth can how to do it right. So whenever the

(27:29):
government only gives you an opt out option, they have
taken away your power. And the idea of putting everybody
in Medicare advantage is an idea that means putting everybody
into a system that is rationing care. And there are
three federal reports about managed care organizations rationing medically necessary

(27:51):
Medicare approved care. So one of the reports says that
seventy five percent of the time when somebody appeals their denial,
the managed care organization will, you know, flip, They'll reverse
the decision and they'll give you the care. However, only

(28:12):
one percent of people who are denied ever appeal right
because it's complex, you know, it's what is this appeals process?
Who do I need? What do I need? What kind
of time do I have? I'm sick, I'm injured, you know.
And so this is a very lucrative thing for these
Medicare advantage organizations. And so the idea that a member
of Congress would want to take away your right to

(28:35):
make a choice between original Medicare and Medicare advantage is
simply wrong. And you would have to pay for those
three years for that decision, both in money and in
perhaps loss of access to care. So in our Medicare
how to guide, which has proven popular amongst those who
have read it, because people said, now I know what

(28:56):
to do, right, But we actually tell people do not
choose Medicare advantage because it is one of our traps.
We have ten traps Medicare traps that we help you avoid,
and Medicare advantage is one of them. So that shouldn't happen.
I don't know how far that will go, but clearly
he has a powerful voice and we need to stop
that bill if he tries to move it forward.

Speaker 2 (29:18):
Twiler, that's so well said. What are you guys doing
over at CCH Freedom Aside from the very important work
of raising awareness to this, how can how can our
listeners take active steps to be protected from you know, stuff,
stuff like this.

Speaker 6 (29:34):
Well, we have put out a health Freedom Minute on this,
and we we encourage people to tell Congressman Schweikert that
they have heard about his bill and it needs to
go away. He should withdraw it. But then they can
also tell their members of Congress in the House, so
it's a House bill, that they have heard about this
bill of automatic enrollment into Medicare advantage, and they tell

(29:58):
them we don't want this bill, and we're asking you
to tell Schweikert, we don't want this bill, you know.
And so as soon as they know the attention gets
raised to this, you will have senators and representatives who
who realize that this is not just going to go
you know forward in a hidden manner, but that people
are actually talking about it and don't want it. So

(30:18):
you actually have to just raise your voice and tell.

Speaker 2 (30:20):
Them, wonderful, Twila, thank you for bringing that up to us,
switching gears for just a moment here. Ivermectin. We haven't
talked about it a whole lot since COVID, but apparently
there are some updates to the ivermectin over the counter laws.
Could you give us these and what they might mean
for us?

Speaker 6 (30:37):
Yeah, So, there are four states now who allow pharmacies
to provide ivermectin over the counter without any physician prescription,
and those are Tennessee, Arkansas, Idaho, and Louisiana. And there
are in addition to that, there are nine states that
have proposed legislation to do the same, and those are Texas,

(30:57):
New Hampshire, North Carolina, Pennsylvania, Georgia to Alabama, West Virginia, Missouri,
and South Carolina. So if you are in those states,
you know, contact those members. Just look it up on
the legislative website. Just put it in ivermectin and over
the counter. Figure out who those legislators are and give
them your support so that they can move forward. And

(31:17):
if it's not your legislator, tell your legislator to you know,
add their name to the bill so these things can
move forward. I really believe at the end of the day,
we will get every person in every state, at least
every Red state, every Republican state, to make this available
over the counter, and that will increase competition and bring
the price of ivermectin down. But everybody needs to have

(31:40):
this as a resource, and the uses for ivermicton that
are being reported just continues to go up and up
and up.

Speaker 1 (31:47):
Yeah.

Speaker 2 (31:47):
Yeah, that's fantastic. One more time, Twiler, could you repeat
each of those states that you just mentioned.

Speaker 6 (31:53):
Texas, New Hampshire, North Carolina, Pennsylvania, Georgia, Alabama, Virginia, Missouri,
and South Carolina.

Speaker 2 (32:04):
I'm certain we have listeners in those states, quite a few,
one of them, of course our home state here in Pennsylvania.
So Twila, that's awesome. I appreciate you so much. We're
coming up to our ag report here soon, so we're
gonna have to put a pause in our conversation for now.
But there's even more topics that I wasn't able to
get to this time. We're gonna have to have you
on again sometime real soon, real quickly, here, Twila, how
can our listeners learn more about what you guys at

(32:24):
CCH Freedom do.

Speaker 6 (32:26):
They can go to Cchfreedom dot org and get onto
our once a month e news and so that's the
way that they can keep up to date both online
and then an an email once a month in their inbox.

Speaker 2 (32:42):
Awesome, Twila. We appreciate you, thanks so much for the
great work that you guys do, and I look forward
to the next time we get to have you on.
God blessed Twila. Thanks there she has, Folks, Twila Bras
CCH Freedom always enjoy having her on. Appreciate so much
what she's telling us here, and yeah, check them out
Ccchfreedom dot org. Folks. All right, we got Craig Halgard
coming up in just a couple seconds here for the

(33:03):
AG report, and then we'll get back to some more
financial issues right after that, probably have some time to
talk about what's going on in New York City of course,
and some other things as well. AG report coming up
the more financial issues.

Speaker 4 (33:13):
This is Craig howguard with your financial issues? AGG update
for July eighteenth. Well between the non threatening weather pad
and forecast for the US corn Belt and the implication
of Coca Cola and possibly other soda companies may switch
from high frucitose corn syrupt or sugar. The car market
phoned itself, pushing lower in yesterday's trade. December corn finished
the day three cents lower at four dollars and twenty

(33:36):
one cents per Bushelm. Soybean oil continues to move higher
on the expectations of a very strong renewable field demand,
and yesterday that pulled soybeans along for the ride. So
I means we're also supported by optimism as a result
of Scott bess and telling reporters not to worry about
the August twelfth when speaking of a trade deal with China.
Now seasonally, we're also at the point where China has

(33:57):
historically entered the US bean market, so traders are hopeful
that Chinese business is going to show up soon. November
beings finished Aday six cents higher at ten twenty six
and a half. We traded lower as forecast moisture for
the northern plains and a stronger US dollar gave berries
traders the green light to push the wheat complex to
the downside. Minneapolis September week was four and a half

(34:19):
cents lower at five ninety five. Kansas City declined by
five and a quarter cent, closing at five seventeen and
a half. We had Chicago's seven and three quarters cents
lower at five thirty three and a half. Cotton futures
continued to be range bound yesterday, saw December futures ending
this session twenty four points higher at sixty eight eighty.
Livestock futures had a mixed performance. October live cattle were

(34:42):
forty two and a half cents lower at two hundred
and twenty dollars thirty two and a half cents per
one hundred eight. September feeter cattle dropped by forty two
and a half cents as well, closing out today at
three hundred and twenty five dollars forty two and a
half cents per one hundred and We had October leenhow
futures a buck ninety higher as they ended the SI
ninety dollars and sixty cents per one hundredweight. Class three

(35:03):
milk futures saw their rally extended At the closing bell
of August futures were another twenty six points higher, ending
the day at seventeen seventy two. This has been Craig
Hollguard with your financial issues egg update. We'll be right
back with more financial issues after this.

Speaker 5 (35:28):
The opinions and recommendations expressed on this program do not
necessarily represent the opinions of the station or any of
the program's sponsors. Additionally, all products or services offered by
the program sponsors may not be known by the program folks.

Speaker 2 (35:46):
Has been enjoyed to be with you all. I hope
you enjoyed that bonus time with Twiler Brays over at
CCCH Freedom love what they do. And good morning to
you all on the live chat. Uncle John is there,
George from North Carolina is there. Darryl and Texas is
there as well, so is Nelson from Louisiana, William, Lisa,
Jason and we mentioned earlier. Good to see you Jason.
Hope the move is going well, brother, Same with you Claude,

(36:08):
I know you just finished up your move as well.
And in Alabama, Hello and good to see you. Matt
from Georgia. Great to see you this morning, brother down
in the Deep South. Who else am I missing? Anyone?

Speaker 1 (36:20):
Here?

Speaker 2 (36:21):
Eddie from Tennessee, I see you there, Eddie. Good to
see you, brother. Debbie from Kentucky, Hi, Debbie, nice to
see you. I saw you in the chat earlier this week.
Good to have you, James from Texas. Good to have
you as well.

Speaker 4 (36:30):
Sam.

Speaker 2 (36:31):
I haven't seen you on the chat this morning, brother,
but I know you're there. I'm sure a little bashful. Well, Sam,
let's shift here to what is really just a delightful topic.

Speaker 3 (36:43):
I don't think I can do it today, so I'm shy.

Speaker 2 (36:45):
Like I said, let me give you a moment to
collect your thoughts because I need to take a look
at the markets real quick, and then we'll do the
New York City stuff. So the S and P five
hundred is positive and it is riding high on a
record right now, new record up about quarter percent as
we open this morning. Then ASDAC up about two fifths

(37:06):
of a percent, almost the dal Jones just below the
flat line as we sit this morning. All right, Sam,
I'm moving to the big apple here. So it seems
like New York City is becoming a city of refugees,
fleeing in an exodus of sorts to the free state
of Florida. What can you tell us about this and
why that's right?

Speaker 3 (37:25):
Real estate agents are now seeing a massive surge in
inquiries from wealthy New Yorkers following Zoron Mamdanni's democratic mayoral
primary win. One realtor agency now says it's seen website
traffic from New York City specifically spike by get this
fifty percent since mam Donnie's win. According to Fox Business,

(37:45):
most of those inquiries are coming from you guessed it,
high net worth people and institutional investors as well. This
comes as earlier this week, a clip emerged of Mom
Donnie saying the abolition of private property could be a
solution to New York's homelessness problem. Here he is saying just.

Speaker 7 (38:04):
That my platform is that every single person should have housed.
And I think faced with these two options, the system,
the system has hundreds of thousands of people unhoused right
for what And if if there was any system that
could guarantee each person housing, whether you call it the
abolition of private property or you call it, you know,

(38:27):
just a state wide house and guarantee it is preferable
to what is going on right now. And I think
that people try and play like gotcha games about these
kinds of things, and it's like, look, I care more
about whether somebody has a home.

Speaker 3 (38:42):
So he cares about it. So much. He's such a
moral person, Seth that he gets to steal your house.

Speaker 2 (38:48):
Amazing, amazing. See, this is this is what they do.
This is always what they do. The people like mister
mom Donnie, people on the left will couch ridiculous, godless,
oftentimes demonic ideas in nice sounding language. You murder your
baby for your health care, to protect yourself. We get

(39:08):
to steal your house to protect the homeless, to give
people homes. But we're gonna steal your house. That's what happens, Sam.
But that's why we have to be so keen.

Speaker 3 (39:17):
For me give such a more authority. In that clip too,
if you listen to him, he says, Look, I just
care about homelessness. I care.

Speaker 2 (39:24):
That's right.

Speaker 3 (39:25):
And the insinuation there is you just don't care. You're
a bad person.

Speaker 2 (39:30):
You're evil for owning a house. Don't you care about
your homeless neighbors? Sam, You're exactly right, you know, folks,
sometimes a non action speaks louder than an action. Let
me explain it this way. There are some people, even
within the church, who would argue that it is not
the Christian thing to do to flee such a godless
place because it is godless. Many of them would say, well,
you gotta stay there, you gotta battle, you gotta bring

(39:53):
the gospel all that stuff. Listen. I have no problem
with that. Sometimes that works. Okay, Sometimes we stay, we
change the culture. But sometimes you also have no choice
but to leave. Sometimes you have no choice but to leave,
as Abraham's family did when Sodom and Gomorrah got destroyed. Okay,
sometimes you have no choice. It's become so utterly godless
and utterly corrupt that that then becomes the thing that

(40:15):
speaks louder than trying to stay. And I think the
goal can be the same, the goal of both those things.
If you stay and try to change the culture, if
you leave and take a stand and say I'm not
going to stand for this, you're trying to change the
culture in a good direction. That's what's happening. I applaud
these former Nycars turned Floridians now or soon to be
Floridians for taking a stand and saying I'm not going

(40:37):
to live in such a wretched place, even if they're
just doing it because they don't want to be taxed
inordinate amounts because they are multi millionaires, or because they
don't want to fear losing their home because the guy
who will probably become mayor of the city doesn't want
anyone to have a home. If if all of us
are homeless, now none of us are homeless. You see

(40:59):
how it works. That's not how it works, mister mom Donnie.
To comply with this would be an act of great wretchedness.
Abolition of private property, folks, is not the American dream.

Speaker 3 (41:13):
It's just not life liberty and property. Life life liberty
is actually antithetical to America.

Speaker 2 (41:19):
That's a foundational it's so foundational to who we are.
What abolition of private property truly is is a nightmarish,
false utopia propagated by degenerates who want to dissolve national
sovereignty and individual freedom. And what's behind all of it, folks,
is that they can rule over you. That's all they want.
That's all this guy wants. He does not care about
the homeless. He wants power. That's what he wants. That's

(41:42):
all he wants. If you have no home, who are
you going to turn to for shelter? Come to me,
I'll help you. That's what he's doing.

Speaker 3 (41:51):
Well, he's obviously so much more moral than you said.

Speaker 2 (41:53):
That's who else, Who else would I turn to? He's
the most moral guy. That's exactly right. Sadly, You know,
people like Mamdani, folks, really, they're committing the sin behind
all sin. When government tries to take the place of God.
Government is trying to be God. Government is now just
committing the same sin that the Devil tempted Adam and

(42:16):
Eve with. When you eat this fruit, you will be
like God. You get to be God, you get to decide,
you get to rule over people. That's God's job and
God's right, not ours. This guy, sadly wants complete authority
and lordship over the eight plus million souls in America's
largest city. That's what he wants, and he's acting in
a chord with his father, the Devil. I'm not trying

(42:37):
to come down too hard on this guy. I'm just
calling it like I see it, folks, Okay. I actually
I get paid to do that on this show. That's
that's my job is you know.

Speaker 3 (42:43):
It's ironic too, is that he's saying, one of the
big problems in New York is all the rich people
are leaving, leaving, and they don't have anyone attacks anymore. Well,
it's just perpetuating that even further. It's like he didn't
think the plan through. Yeah, that's absolutely right. So folks,
here here's the deal New York City. There are a
lot of things wrong with it.

Speaker 2 (43:03):
I equipped earlier in the show that it's you know,
it's a third world country. The reality of it is
not all of it is. There are a lot of
places in New York City that are good. There's a
lot of places that have been claimed for christ. There's
a lot of places where there are wealthy people live
in there. I also think it's really hard to live
in New York City and not be above the poverty
line because of how high the cost of living is.
But that's a whole nother conversation. But it is on

(43:24):
a trajectory toward a really bad direction. It really is.
As a city cohesively, it's on a trajectory careening down
this in the last generation or so, and it's looking
like Zoron Mamdani will probably be the mayor of the city.
I believe it would be good for Christians to pray
for this city, though I really do. It was once
a bastion of the Christian American experience, much like Constantinople

(43:47):
before it, and other cities it stands on the edge
of losing its very soul to the rule of god
hating autocrats. Hopefully, by the grace of God, the exodus
of common sense people to live a place where they
can truly be free will send a message that we
do not bow to tyrants. And my guess is my
hope and prayer is that the Christians among them will

(44:09):
be the loudest in saying we don't bow to tyrants,
because we bow to another, we bow to the lordship
of Jesus Christ. That's my hope, and there's hope too,
just politically speaking. Looking at the history of New York,
it's come back before. Yes, it was an absolutely mess
in the seventies and eighties, in exact nineties, early two thousands,
they cleaned that baby right up. And then, of course

(44:30):
we don't learn our lessons very long and let it
sink back into what it was. Absolutely that could be
a single full history for New York. Yeah, Sam, I
think it's really good to pray that for every city
in this country. It seems like major cities. This is
true throughout world history. Major cities tend to be places
that are generally more spiritually evil than other places are.
When you get a lot of sinners together and you

(44:51):
put them together and they build businesses and they live there,
generally sinners cause sin to happen. That's kind of the
way it goes. So major cities tend to be places
like that. To pray that the light of the Gospel
would reach these major cities. Speaking of which, folks, I
think it's a good place for us to end our show.
First Corinthians fifteen fifty seven, Paul says, thanks be to
God who gives us the victory through our Lord Jesus Christ.
The context of this verse, by the way, is that

(45:12):
he's just spent the whole chapter of First Chrintian's fifteen
explaining the resurrection of Jesus and what that means for
us and the bodily resurrection of the dead as well.
That we have that promise to look forward to. But
you know, folks, the promise is a future victory, which
I think we can all agree on. We all agree
that the promise of future victory. Where we might disagree
is that there's an element of present victory in that also.

(45:35):
But I really believe that's true, that there is an
element here where we are presently even right now, elevated
with Christ as he reigns. Right now, he is lord
of the universe. Right now, He is ruling, right now,
he is king. Right now, We as His people, enjoy
that victory right now. It may be slow, folks, but believer,

(45:58):
trust me, it's yours in Christ. Take hold of it
with great strength, with great joy. Set that example for
your children to be ready to pass it on to them.
My hope and prayer, folks, for my children and God
willing grandchildren is that the world that they live in
is fundamentally far more like Christ than far less. And

(46:18):
the trajectory that we're going is going to play a
huge impact in that, folks. We have the hope of
the world. Christians have it, and we need to break
into this world with the great light of the Gospel.
By God's grace, Folks, we will win. And it's a
delight to be a part of it.

Speaker 1 (46:33):
Here.

Speaker 2 (46:33):
What we're trying to do here in helping you be
biblically responsible with your investments, that's really what it is.
We're trying to bring glory to God, to spread the
Gospel through the ends of the earth, using the tool
that He has given us, which is our money. And
I do hope that you'll remember, folks, that your money
is a tool that God has given to you and
need to use it well. Be a good and faithful
steward with it. God bless you all. It was a
delightful week to be with you. Hope you have a

(46:54):
bless day of worship on Sunday. We'll be back on Monday.
Shanna will be with us as well. I'm delighted for it.
Until then, remember it's all his, so let's be found
good and faithful stewards with what He's given to us.
God bless If we ever forget that we're one nation
under God, then