The 700 Club: October 26, 2009

CBN News reports on one man’s quest to go “extreme green”. Also, a financial expert helps you prepare for tax time. And, a woman turns to prostitution after a lifetime of sexual abuse.


UnderWing Transcripts PO Box 16282 Clearwater, Florida 33766 540 455-2333 / UnderWing@underwingtranscripts.com ________________________________________ The 700 Club Daily Broadcast Monday, October 26, 2009 PAT ROBERTSON: Welcome to The 700 Club. Can the Democrats do it or not? Are we holding the line against it or are we going to roll over? This could be the pivotal week for health care reform. Democrats have to make some key decisions soon if they’re going to pass a bill this year. TERRY MEEUWSEN: They’re trying to put some form of public option in the measure, but the big question remains, how much will that cost? Here is reporter Heather Sells. CARE GRAPHIC: NBC “MEET THE PRESS” Sen. Chuck Schumer ([D] New York): I think we're very close to getting the 60 votes we need to move forward. HEATHER SELLS: In the Senate, there is talk of including a public option. That’s a government run health care plan to compete with private insurance. Majority Leader Harry Reid is counting votes, but it makes some Democrats nervous, and Republicans are strongly opposed to the idea. Even Senator Olympia Snowe, who voted with Democrats in the Finance Committee, has concerns. Sen. Olympia Snowe ([R] Maine): Well, that would be putting a national public plan at the forefront of the process, and I certainly would have concerns about that. HEATHER SELLS: To get the votes, the public option could take a different shape. States may be able to opt out or create a trigger where a government run plan would come into play if prices don’t come down on private plans. GRAPHIC: ABC “THIS WEEK” Sen. Claire McCaskill ([D] Missouri): It’s open enrollment period right now. And so many people are looking, once again, at another year where they're not going to get a raise because all of their raise is going to go to increased health care costs. HEATHER SELLS: In the House, it looks like the public option will definitely be in. Many Democrats refuse to back down. Rep. Nancy Pelosi ([D] House Speaker): The robust public option is, in my view, a preferred way to go because it saves the most money. HEATHER SELLS: But Republican support for it is hard to come by. Rep. Eric Cantor ([R] Virginia): What's troubling right now is the insistence, that we continue to read about, that there be a public option. HEATHER SELLS: A major concern in both Houses: how much a health care bill is going to cost. President Obama set the limit at 900 billion dollars over ten years. But if House Democrats get their way, it could be more like a trillion dollars. GRAPHIC: ABC “THIS WEEK” Sen. Mitch McConnell ([R] Minority Leader): Congress is acting like a teenager with their parents’ credit card, not worried about who is going to have to pay the bill. HEATHER SELLS: Heather Sells, CBN News. PAT ROBERTSON: Thanks, Heather. Terry, do you understand all the ramifications of this bill? TERRY MEEUWSEN: That to me is the scary part about the fact that a decision is attempting to be made this fall. I don’t think the people who are making the decision understand. PAT ROBERTSON: They don’t. Who knows what’s in there? I understood there are maybe as many as 40 or 50 new committees set up. And who knows? Who knows what? And they use all these terms like public option and this, that and the other, but what does it all mean? And we don’t know as the American people. The Congress doesn’t know. You don’t know, ladies and gentlemen, but you’ll know when they give you the bill. Lee Webb has the rest of our top stories from the CBN Newsroom. Lee. GROWING NATIONAL DEBT LEE WEBB: Pat, while the Democrats debate the cost of health care, they have another important financial decision coming up: increasing the national debt limit. The Senate has to vote soon to raise the limit to 13 trillion dollars. And politico.com reports the Democrats are looking for politically acceptable ways to do that. They know Republicans will criticize them for heavy government spending. Democrats, though, say President Bush left Obama with a debt over ten trillion dollars. But Republicans counter that President Obama’s policies could drive it up to 20 trillion dollars. Nebraska Democratic Senator Ben Nelson says he worries that the growing national debt with further devalue the dollar. Pat. PAT ROBERTSON: You know, folks, there was a time, I believe it was Lyndon Johnson, or maybe his predecessor, John Kennedy, who said, “I don’t want to preside over a 100 billion dollar federal budget.” One hundred billion. Now, we’re talking about a debt of 13 trillion. It boggles the imagination. And the trouble is, once you start talking those numbers, then your dollars become funny money and it gets to be like it is in Zaire on in Zimbabwe or one of those countries where they’ve got runaway inflation. Suddenly, you have so much money, and it has no meaning anymore. And I’m afraid that’s exactly what’s happening in America. Thirteen trillion dollars. Lee. BARY RETURNING TO OHIO LEE WEBB: A Florida court has relinquished jurisdiction in the Rifqa Bary case. That means the teen will be heading back to Ohio, but she will be in the care of a foster family there. Rifqa is the 17-year-old girl who ran away from home, because she feared her Muslim parents would have her killed for becoming a Christian. In police interviews, Rifqa said her parents had arranged a marriage for her in Sri Lanka. She also said when she ran away, she left her parents a note that said, “Jesus Christ is my Lord and Savior, and I refuse to deny Him. I pray and hope you will find His mercy and forgiveness. Love you both dearly, Rifqa.” The judge said before he would send her back to Ohio, he needed immigration that showed she’s in the US legally, but it’s unclear whether those documents have been provided to that Florida court. TEMPLE MOUNT VIOLENCE LEE WEBB: Jerusalem police report the Temple Mount is calm again after violence erupted there Sunday. Tensions have been high at the site, which is holy to Jews and Muslims. Palestinian rioters threw stones at police who fired back with water cannons and stun grenades. Nine Israel police officers were injured, and 21 rioters were arrested during the fray. The trouble broke out after Muslim clerics urged Palestinians to defend the Al-Aqsa Mosque on the Temple Mount against what they call Jewish conquest. Hamas leaders now say Muslims should take back Jerusalem by force. Pat. PAT ROBERTSON: Jerusalem was the capital of David’s kingdom. He bought the Temple Mount for, I believe, 600, not shekels, 600 talents of gold. It has belonged to the Jews since about 1000 BC. It does not belong to the so-called Palestinians. It does not belong to the Arabs. And to say that it’s one of the holy sites of Islam is pure fiction, because it rests on the supposition that Mohammed had a dream, and he rode a horse to Heaven and it stopped down for a minute. It touched down on the Temple Mount and then went to Heaven. It’s all nonsense. And Mohammed’s wife, who seemed to be one of the few that told the truth always, she said, “I don’t know. All this business about traveling from Jerusalem to Heaven, he was in bed with me during the whole time.” This whole thing is based on fantasy. And to go to war on a fantasy is nonsense. But the Jews need to assert their claim to that holy site and not give it up. They ought to say, “This is ours, and it’s just too bad. This is the way it’s going to be.” They ought to arm it and get up there and have a show of force and not give way. But once a party in a situation like this gives way, then the other says, “Well, they’re weak. Let’s push them again. Let’s push them again. Let’s push them again.” Benjamin Netanyahu told me, he said, “Jerusalem is non-negotiable.” Subsequent prime ministers have said, “Well, it is negotiable.” Once you have that kind of weakness, then you’re going to have conflict. Lee. LODGE LEE WEBB: Another lawsuit has been filed in connection with a new age sweat lodge ceremony in Sedona, Arizona. Three people died in that spiritual ritual. And the police investigation has been upgraded now from accidental to homicide. Here is Efrem Graham. James Arthur Ray: If I told you exactly what you needed to do to accomplish anything and everything you choose to accomplish, guaranteed, would you do it? EFREM GRAHAM: Motivational speaker James Arthur Ray is at the center of the ceremony that promised spiritual rebirth, but ended in tragedy. Beverly Bunn (Ceremony Participant): We had actually been under the leadership of James Ray for four days or five days. We trusted him. We trusted in what he was teaching us. EFREM GRAHAM: Orthodontist Beverly Bunn was one of 50 participants who crowded into the dark sweat lodge for the two-hour ceremony around burning rocks. Beverly Bunn: When everybody was actually throwing up or they were spitting and stuff, that was actually considered your body actually purging its toxins and getting rid of what we don't need or the bad things that were inside. EFREM GRAHAM: She says the self-help guru stood guard at the tent's only entrance and did nothing to help those who became ill. Twenty-one people were hospitalized. Three of them died, including 38-year-old Kirby Brown, who was Beverly Bunn's roommate. Beverly Bunn: These were astronomical people I was with. There are a lot of over-achievers, highly successful people that pushed themselves to the nth degree. And them, like myself, we just believed that we could go through this. EFREM GRAHAM: Sidney Spencer paid 9,000 dollars to attend the retreat. She is now suing James Arthur Ray for millions. Ted Schmidt (Attorney): Mr. Ray created a death trap and created a heat environment in that sweat lodge that was intolerable for human beings. Beverly Bunn: After the incident and after everything happened, James Ray pretty much abandoned all of us. EFREM GRAHAM: Ray isn't talking, but at his web site he tells followers he feels their pain, he’s determined to continue with his self help work, and he’s investigating what went wrong. Police are also investigating what could be multiple homicides. Efrem Graham, CBN News. LEE WEBB: Pat, sometimes the truth is stranger than fiction in these stories. PAT ROBERTSON: It’s strange that highly motivated, intelligent people would fall for that kind of nonsense, but this new age, this is the trouble. Your belief system matters. What you believe in matters. Those people believed that they were going to find some kind of spiritual enlightenment by sitting in that sweat lodge and going through an Indian ritual that was—the way they set this thing up was not the way it should have been done. And they were seeking some kind of enlightenment. Ladies and gentlemen, the enlightenment is in the Bible. The enlightenment is in God. The enlightenment is in Jesus Christ. It is so clear, and yet people go into these fanciful new age religions, and this is the penalty and this is the price. And it is a severe price they had to pay. Lee. HOLDING OFF RETIREMENT LEE WEBB: More Americans plan to delay their retirement because of steep drops in their savings accounts. That’s according to a survey conducted by Canadian insurance company Sun Life Financial. They found that 65 percent of American workers plan to stay on the job at least one more year. That's an 11 percent increase from a similar survey in January. Reuters reports experts attribute it to the fall of stock markets since 2007. And they say people are living longer and having to build up more savings before they can retire. “CZARS” WON’T TESTIFY LEE WEBB: The White House says it will not allow most of its so-called “policy czars” to testify before Congress. The Washington Times reported last week that concerned senators want more access to those czars. Maine’s Senator Susan Collins says some of the 18 czars don’t just advise the White House but actually create policy, and few, if any, have been even interviewed by the Senate. The White House sent a letter to Collins, saying that the President is not trying to circumvent Congress. Critics charge, thought, that the czars' power to write policy in secret violates Obama's promise to have an open and transparent presidency. COST OF “CAP AND TRADE” LEE WEBB: The Environmental Protection Agency says the Senate's plan to tackle global warming will cost a typical household about 100 dollars a year. That is one of the lowest estimates yet for the cost of the co-called “Cap and Trade” bill. The Congressional Budget Office has estimated 175 dollars a year. Others say the cost could be as much as 3,000 dollars. Some experts believe the most credible figure is 1,200 to 1,300 dollars a year. Who do you believe, Pat? PAT ROBERTSON: Well, I don’t believe the government. I tell you, they lie. They lie a lot. And all they do is lie in order to make their point and to get their legislative agenda passed, and then once it’s passed, we’re stuck with it. And they say, “Oh, woops, we made a mistake. There’s a comma that was supposed to have been placed over here to the right.” TERRY MEEUWSEN: And a few more zeroes, right? PAT ROBERTSON: A few more zeroes. How did we miss it? We gave the best intelligence we had. It’s nonsense. But that’s what they do. And the way they tried to slip 250 billion, they reimbursed doctors, and they were going to hide the money. And the next thing that they’re going to try to hide has to do with the defense appropriation. They want to hide certain aspects of government policy, and they will bury it in the defense bill or some other bill so they won’t be held accountable for voting for things that the American people deplore. Folks, it’s not a healthy situation in Washington. Far be it from me to turn us against our esteemed leaders, but I’m telling you, they are like conmen. Terry. TERRY MEEUWSEN: Well, coming up, one man’s extreme green experiment. Man: No elevators, no subway, no products and packaging, no plastics, no air conditioning, no TV, no paper. TERRY MEEUWSEN: Find out what he learned that can save you money, after this. * * * * * * * * * * * * * * * * * * * * * * * * GRAPHIC: SINS OF THE FATHER LEE WEBB: Coming up later, abused by her father . . . . Woman: My father would tell me that, “This is how daddies show their girls love.” LEE WEBB: A young woman turns promiscuous. Woman: I didn’t have enough self esteem to ask for money. LEE WEBB: How she moved beyond the pain of her past. Woman: For the first time in my life, I saw my father just begin to sob. LEE WEBB: On today’s 700 Club. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 1: SWISS AMERICA Ed Lubin (Host, A Rare Opportunity): Would you invest your life savings in a company with a track record like this? Well, if all your assets are sitting in US dollars, you already are. I’m Ed Lubin, and you are about to experience a rare opportunity from Swiss America. Pat Boone: Pat Boone here for my good friends at Swiss America, the company that has helped Americans to rediscover gold for over 25 years now. You may have noticed gold prices have more than doubled in the last five years, but do you ever wonder why? Economists say the top five reasons are: a falling dollar, which also creates number two, a rising cost of living. Third, increasing demand for gold worldwide. Fourth, political uncertainty. And fifth, new Wall Street gold funds. Call Swiss America now for a free educational kit. Ask about tax free gold IRAs. Seize this rare opportunity today. Call now. * * * * * * * * * * * * * * * * * * * * * * * * NEXT DAY PROMO GRAPHIC: CONSTANTINE LEE WEBB: Tomorrow. Take a trip back to the fourth century . . . . Man: There was a terrible topsy-turvy attack. LEE WEBB: . . . . for the biggest event in Christianity since the Resurrection. Man: This was a dramatic, dramatic move. LEE WEBB: One that would change history forever. Man: There is no question that he felt called by God to Christianize the Roman Empire. LEE WEBB: Discover the life of Constantine and the battle for the soul of the world. Tomorrow on The 700 Club. * * * * * * * * * * * * * * * * * * * * * * * * PAT ROBERTSON: Well, on Money Monday, we talk about how you can cut expenses and save money. Recently, Paul Strand found some ways to do that and help the environment at the same time. Take a look. FOCUS: GREEN GUYS PAUL STRAND: Recently, dozens of bicyclists came wheeling into Washington after a five day ride from New York City, trying to focus folks’ attention on caring for the environment. Colin Beavan (Author, “No Impact Man”): And these were really inspiring people who took five days out of their life because they care so much about this issue to do this ride. PAUL STRAND: Among the bikers were two gents who might be considered environmental superstars. Josh Dorfman spreads the “Green” gospel through his Sundance Channel program The Lazy Environmentalist. His basic message is you don't have to work really hard or deprive yourself to live green and can even save quite a bit of money. And Colin Beavan, along with wife Michelle Conlin, became the most broadcasted and blogged about enviro-couple in the world when Colin decided to become “No Impact Man,” living a year in New York City without making any harmful impact on the environment. It was a radical experiment for a book and documentary to see if modern Americans could live comfortably going 100 percent green. For Colin’s family, it meant no driving or flying or power consumption. Colin Beavan: No elevators, no subway, no products in packaging, no plastics, no air conditioning, no TV, no paper. PAUL STRAND: As can be seen in the documentary, No Impact Man, which should be rated R for language, Michelle got dragged along at the start, especially hating the idea of giving up shopping for new things for a year. Michelle Conlin: I’d had a really intense relationship with retail. PAUL STRAND: But as they moved about by just bike and foot, they lost weight and grew fit. Without TV, they spent much more time with each other, their daughter, and friends. Many positive results came, and Michelle’s attitude changed. Michelle Beavan (Colin’s Wife): We’re rethinking everything in terms of what’s important. Colin Beavan: We found that we were getting exercise as part of our daily routine. We were eating food that was way better for us. We were spending less money. We were spending more time together as a family and with our community. And finally she said, “You know what, this isn't for the planet. This is for our family that we're doing this.” PAUL STRAND: Colin and Michelle’s extreme green experiment is over. Their lights and their refrigerator are back on. But they're holding on to the green changes they believe really help their family. Josh Dorfman says families can go green with much less sacrifice than Colin’s made during their No Impact year. And his new book, The Lazy Environmentalist on a Budget, shows how your family can actually do it with hundreds of tips on going green easily and cheaply. For instance, when it's time to get rid of your old electronics, like a computer, you can even make money with Gazelle.com. Josh Dorfman (Host, “The Lazy Environmentalist”): Gazelle shows you what its residual value is still worth. They send you a pre-paid shipping box, you ship it to Gazelle, to their company, they verify its condition, and then they send you a check. PAUL STRAND: If you’re a student, go to Chegg.com to rent your textbooks. Josh Dorfman: And save 60 to 85 percent off the cover price. So you use the textbooks for the semester, you send them back to Chegg, and then students at another university can use those textbooks. PAUL STRAND: Dorfman says the more green spending we all do, the more companies will make green products and sell green services. Josh Dorfman: Dollar democracy: how you spend your dollars is really a vote for the kind of planet that you're helping to create. PAUL STRAND: Beavan agrees, pushing people to live, spend and save green both for the environment and themselves. Colin Beavan: There's lots of stuff that we can do that's both good for the planet and good for us, too. PAUL STRAND: Among the stuff Colin and Michelle have held on to since their No Impact Man year ended: walking and biking almost all the time. Colin Beavan: Fifty percent of the trips in the United States are less than two miles, so we can walk and we can bike and we can get rid of our guts at the same time. PAUL STRAND: And they have made extremely economical changes. Colin Beavan: We got rid of our air conditioners, and it saves us 1,200 dollars a year. PAUL STRAND: Beavan knows that's too radical a step for many people, but says it has made hot New York City nights more interesting for his family. Colin Beavan: We grab our little girl and we go down to our park and she plays in the fountain and we talk to our neighbors. So it kind of becomes a chance to connect with people. PAUL STRAND: Dorfman says even if you don't believe in global warming, if you'll go green, you'll still cut pollution, and waste, and improve your own life. Colin Beavan: The environmental choice increasingly is actually the best choice that you can make. You kind of think that living environmentally is going to cause deprivation, but actually, in a lot of ways it improved our quality of life. And that's because we replaced consumption with connection. PAUL STRAND: Paul Strand, CBN News, Washington. * * * * * * * * * * * * * * * * * * * * * * * * PAT ROBERTSON: Thanks, Paul. TERRY MEEUWSEN: Now, that’s a great line. PAT ROBERTSON: His wife was one of the most unhappy looking people. Her face. TERRY MEEUWSEN: I don’t know. I think she became a believer in that. PAT ROBERTSON: Well, maybe after a while, but it was kind of like, “What are you doing to me?” TERRY MEEUWSEN: I’ve read your book. I remember your wife. PAT ROBERTSON: Okay. TERRY MEEUWSEN: But he’s got a lot to say. Sometimes we consume, and we don’t even realize it. PAT ROBERTSON: He’s got a lot to say, but it’s just impractical. But anyhow. TERRY MEEUWSEN: Well, everybody is not going to do it, but here are some things everybody can do, because we’re going to give some advice on Money Monday. Up next, we’ve got your e-mail questions. Dan says, “My wife and I have an adjustable rate mortgage that’s getting ready to reset. Should I keep the ARM and lock in a new rate or refinance into a new loan?” TERRY MEEUWSEN: We’ll Bring It On with Dan’s question and more, right after this. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 2A: SIMPLEX Announcer: Attention, those on Medicare with diabetes. Woman: Results from testing my blood glucose were often wrong. 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To learn more, call this number, go online or ask your doctor about Synvisc One. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 2C: 700 CLUB HD ANNOUNCER: The 700 Club. See it as never before: the stories, the places, the people. So close, you’ll feel as though you were there. The 700 Club, now in HD. * * * * * * * * * * * * * * * * * * * * * * * * BRING IT ON TERRY MEEUWSEN: Well, we’ve already mentioned that today is Money Monday, and, as you know, that means we’d like to answer some of your e-mail questions regarding finances. Pat, this first one is from Dan, who says, “Dear Pat, my wife and I have an adjustable rate mortgage that’s getting ready to reset. I’m worried that my payments will spike when this happens. Should I keep the ARM and lock into a new rate or refinance into a new loan?” PAT ROBERTSON: Well, Dan, I don’t know exactly your situation, so I’m giving you some general information. If you are going to stay in your house at least five years, you ought to go for a permanent mortgage. If you’re going to think of selling the house in a couple of years, you want to get out of it, you could stay with an ARM. The rates on ARMs are still fairly low, and it’s doubtful if they’re going to spike in the next year or two. But my feeling is beyond that, you’d be well to lock in a low rate for a 15 or 30 year mortgage. All right. TERRY MEEUWSEN: Okay. This is Frank, who says, “Dear Pat, I’m 67 years old and need to withdraw a significant amount of money from my IRA to cover nursing home expenses for my mother. Will the money I take out be taxable?” PAT ROBERTSON: Yes, it will be taxable. Whatever you take out of an IRA is taxable to ordinary income rates. So you will pay. And I think you’re old enough now, so you’re not going to pay a penalty on it, but you will certainly pay taxes. So you say, “Will I pay taxes?” Yes, you will pay taxes. TERRY MEEUWSEN: Okay, Leslie says, “Our daughter just graduated from college and is now moving back in with us. How should we adjust our budget now that there is an extra mouth to feed again?” PAT ROBERTSON: Well, I think you ought to get that extra mouth out working. She can do something. TERRY MEEUWSEN: Yes. Well, I’m sure that she probably will and contribute, probably. PAT ROBERTSON: Well, you can’t be sure unless they do it. And you need to sit down and say, “Now, dear, you’ve come back from college, and we’ve put you through college, and now it’s time for you to stand on your own two feet. And I want you to get a job. And room and board is going to cost so much. Maybe it’s a couple hundred dollars a month. We want your share, because we’re tight.” And you explain to the child—she’s not a child anymore. Explain to your daughter what the situation is. She just thinks of you as a fountain of abundance. And you just say, “Look, we’re pinched. We’re having a hard time making ends meet, and we need you to pitch in.” And most people want to do that. You just make it a cooperative venture. “We’re all pitching in together.” TERRY MEEUWSEN: It’s still a lot less expensive than living on your own. PAT ROBERTSON: Oh, is it ever. Sure. TERRY MEEUWSEN: Okay, this is Jan, who says, “Each year, my family takes time off for a nice vacation. But with the economy getting worse and worse, I’m worried that this might not be a wise idea at this time. What do you think?” PAT ROBERTSON: I tell you what, vacations are good. And they’ve got a lot of discounts now in vacation spots, hotels. I tell you, you look at some of the places. Take West Virginia, they have some marvelous state parks. They’ve got cabins that rent practically for free. And you can have a terrific vacation. There’s canoeing, and there’s hiking and fishing and all these other things, plus some pretty good eating in some of their restaurants. Why don’t you pick out someplace that’s not so expensive? But if you fly to someplace, I think the time has come to cut back. And you can whack a big chunk off your vacation budget if you don’t fly there, if you don’t stay in top flight hotels. You can go down the list of how you can save. TERRY MEEUWSEN: Okay, this is Sherri, who says, “Pat, what are some good ways to teach my kids about money and savings?” PAT ROBERTSON: Start them early and make sure they have an allowance and teach them tithing, for example. If you give them a dollar a month or five dollars a month or ten dollars a month or whatever the allowance is, make sure that from the beginning you say, “Now, you want to give to the Lord.” And then start having them save and let them watch how money can accumulate in an account. Get them some kind of an account where they can begin to invest their own money. And it will get to be exciting for them. But that’s how you teach them. You start them one at a time. They just don’t get their dollar in their little fist and then run down to the candy store and blow it on bubblegum or whatever, or else, right now they blow it on computer games. TERRY MEEUWSEN: This is Glen. He says, “Pat, I want to know if I should keep my current life insurance. I have a whole term policy and only pay 18 dollars a month. To date, I’ve invested 1,350 dollars in it. I am a 27-year-old single male with no dependents, and I’m currently debt free. What should I do?” PAT ROBERTSON: That term, “whole term,” I wonder if our guys misread that. There is no such thing as a whole term policy. It’s a contradiction. TERRY MEEUWSEN: Maybe he means whole life, do you think? PAT ROBERTSON: Well, if it’s whole life or a term policy, I don’t know why a single person, 27, needs life insurance. Who is going to be your beneficiary? You’re going to give it to your aging mother? Who gets the money? And I don’t think you need to have insurance. Now, there are some times, all right, you start at a lower rate, and then as you have need for term, you can add to it without a penalty. You need to research all of that and figure your own situation. Are you planning to get married anytime soon? Term life is not going to help you if you get sick. That’s not for sickness. You might want to consider some kind of a health insurance. They have health savings accounts that are just absolutely marvelous. You might consider one of them. But I just think a term life policy of a single male, 27, to me doesn’t make a lot of sense. I may be missing something. Somebody will call in and say, “Oh, but you don’t understand, blah, blah, blah.” TERRY MEEUWSEN: Well, that’s part of the problem with brief questions like this is you don’t have all of the details on someone’s life scenario. PAT ROBERTSON: Well, exactly. Well, the only thing you can think of is that you become insurable at an early age and you stay insurable as you pay it down. TERRY MEEUWSEN: Well, at 18 dollars a month, that’s not terrible. PAT ROBERTSON: Not terrible, but it’s not enough to do anything for anybody. The payoff is minimal, so who needs it? But at the same time, if you want to begin to build it up, there are some of these policies, you can get a half a million or a million dollars for very cheap. And it may be that you think, “Okay, well, I’m investing now while I’m healthy and insurable, and then later on I’ll have something to take care of my family.” Okay. TERRY MEEUWSEN: Well, that’s all the time we’ve got for today, but we thank you for your questions. PAT ROBERTSON: Thank you for those interesting questions. I want to introduce to Merlie Springsteen. Merlie Springsteen started out as a single mother only making minimum wage. But soon she went from being a cashier to owning her own business. And here is how Merlie did it. * * * * * * * * * * * * * * * * * * * * * * * * MERLIE SPRINGSTEEN ANDREW KNOX: Merlie Springsteen of Rawlins, Wyoming has achieved more in a few short years than many people do in a lifetime. But when Merlie first moved to Wyoming as a single mother, the future didn’t look so bright. Merlie Springsteen: It’s hard at first, but I have to do what I have to do to support my kids. And that’s what I did. So I got a job as a cashier, making minimum wage. I think at that time it was only 5.25 an hour. ANDREW KNOX: Even though her income was small, Merlie tithed faithfully. Merlie Springsteen: I was taught when I was a child to give ten percent to God, and that’s it. I’ve been practicing that ever since I was a kid. ANDREW KNOX: Merlie worked her way up to accounting manager and bought a house for her family. A year later, she refinanced and bought a larger home better suited for her kids’ needs. Their first home became a rental. Through it all, she didn’t waver in her giving. Merlie Springsteen: As my income grows, or increases, of course, my giving is increasing, too. ANDREW KNOX: Over the next eight years, Merlie bought more residential and commercial properties. Merlie Springsteen: The Lord kept on increasing. Some people even come to me, “Can you buy my property?” And it’s a good buy. ANDREW KNOX: In 2005, Merlie decided to become a CBN partner at the basic level, giving 20 dollars a month. Merlie Springsteen: One night, when I turned it on, The 700 Club, and you know when you give 20 dollars? I like to give. You know how the Lord talks to you? There’s a small voice, “Okay, give.” So I give 20 first. Then the next month, I want to increase it, because 20 is just little to me. ANDREW KNOX: Merlie increased her giving to 40 dollars a month. As her rental business grew, she continued to increase her pledge. Just two years after becoming a CBN partner, Merlie became a member of The Chairman’s Circle, giving 10,000 dollars a year. Merlie Springsteen: I know God gives us the power to get wealth, so I know God is on my side. And whatever I do, I always prosper. I think that’s the power of giving. ANDREW KNOX: Merlie now manages 60 rental properties and three businesses. She says her success is no accident. Merlie Springsteen: I know for sure it’s Him. It’s God who gave me the ability. Sometimes He gives you the simple idea what to do. I write the tithe first. I give it first. He supplies all my needs. I think I find favor with God. * * * * * * * * * * * * * * * * * * * * * * * * PAT ROBERTSON: Well, what a thrilling story. Here is somebody who apparently is from another country. I presume she’s Filipino. TERRY MEEUWSEN: I’m not sure. Somewhere in Asia, certainly. PAT ROBERTSON: Indonesia, something. But God gives you the concepts. And here she is on the way. If she’s not a millionaire, she’ll be there very shortly. GRAPHIC: 1-800-759-0700 CBN.COM TERRY MEEUWSEN: Yes. “I think I have favor with God.” I love that. PAT ROBERTSON: Yes. And she’s now giving 10,000 dollars to CBN. And here she starts out as a clerk. This is what God will do for you if you trust Him. I can’t guarantee everybody is going to get to be a millionaire, but this girl, what has she got that you don’t have? You’re not looking at somebody who has got a Harvard education or MIT education or a doctorate or something. She’s just come essentially from nothing. And God very simply tells that woman what to do, and she does it. TERRY MEEUWSEN: And she does it. And that’s the key. She’s listening, and she’s following the principles. PAT ROBERTSON: She’s not fearful. I was reading Revelation. And it says outside are the fearful. The fearful. Those who are always afraid. And that fearful goes along with immoral and vile and things like that. Fearful. But she’s not fearful. And as a result, God has blessed her. Folks, I’d like you to have this CD called Right on the Money. And it is taken from my book. GRAPHIC: YOURS WHEN YOU JOIN 1-800-759-0700 CBN.COM And I believe that it will help you. It will change your life and your perception of money and finance and what you do. And we’ll send it to you if you join our 700 Club, just 20 dollars a month. But you saw Merlie. She said, “Well, 20 is not enough.” But she started with 20, 20 a month. TERRY MEEUWSEN: And then listened with her heart. PAT ROBERTSON: Yes. TERRY MEEUWSEN: Yes. That’s great. PAT ROBERTSON: So, 65 cents a day, you can be a 700 Club member. There is the number: 1-800-759-0700. TERRY MEEUWSEN: Well, still ahead, a father who nearly killed his daughter. Woman: I stumbled in the door as he drug me to the fireplace, and my father began to smash my head against the fireplace. TERRY MEEUWSEN: See what saved her life. That’s later on today’s 700 Club. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 3A: PAT ENDORSEMENT PAT ROBERTSON: The world’s financial landscape is rapidly changing. Each of us needs to understand the new economy and how we can survive and thrive amid such sweeping change. That’s why I’ve compiled a special CBN partner audio edition of my latest book, Right on the Money. ANNOUNCER: In this special CBN partner audio edition by Pat Robertson, you’ll discover the biblically based principles that can help you get out of debt, create a road map to wealth, protect your investments and much more. Get Right on the Money, our gift to you when you join The 700 Club. PAT ROBERTSON: Above all, I want you to remember that God is greater than any economic downturn. He knows who you are and every circumstance in your life. He has provided opportunities all around you. Get the wisdom you need today and build a secure financial future. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 3B: SKIN MEDICA “IT’S OUR SECRET” Spokeswoman: Notice anything? No? That’s the idea. I have unwanted facial hair. What, you thought you were alone? That’s because we all try so hard to keep it a secret. But now it’s easy with Vaniqa. It’s not a hair remover. It’s a prescription cream that’s clinically proven to reduce the growth of facial hair in women. Vaniqa is gentle. Use it along with your regular skincare routine. It works deep within the follicle, blocking the enzyme essential for hair growth. It’s dermatologist recommended and FDA approved. Woman: I started seeing less facial hair within a month. Woman: I’m so glad I asked my doctor about Vaniqa. Dr. Marla Klein, MD (Board-certified Dermatologist): It’s safe to use and it doesn’t have the potential to scar or damage skin like removal methods do. The most frequent side effects associated with Vaniqa are mild and skin related. Woman: Unwanted facial hair? With Vaniqa, nobody needs to know. Announcer: For more information and a free rebate of up to 60 dollars, call or go online now. Woman: It’s the best decision I ever made. * * * * * * * * * * * * * * * * * * * * * * * * CELL PHONES AND CANCER LEE WEBB: Welcome back to The 700 Club. The long term use of cell phones may be linked to cancer. The World Health Organization conducted a landmark study in 13 countries, and the researchers found a significantly increased risk of some brain tumors related to using mobile phones for ten or more years. The London Telegraph reports health officials conclude that precautions are important. Some suggest that children should be discouraged from making non-essential calls, and adults should keep their calls short. SWEDEN GAY MARRIAGES LEE WEBB: Priests will be allowed to perform same-sex marriages in Sweden. The Board of the Church of Sweden voted overwhelmingly to approve marriages in new gender-neutral church ceremonies. This comes after a new law was introduced last May in Sweden to give gay couples the same marriage rights as heterosexuals. Same-sex church weddings will begin this Sunday there. You can always get the latest from CBN News by going to our web site at CBN.com. GRAPHIC: FOR MORE INFORMATION LOG ON TO CBN.COM Pat and Terry will be back with more of The 700 Club, after this. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 4: SALARY SHIELD Spokesman: That’s Nancy and her daughter Chrissy. A few weeks ago, their world fell apart. Woman #1: I wish we could get Nancy out for a break. Woman #2: I know. Since Mike passed away, Nancy and the kids have been really struggling financially. Spokesman: If only they had heard about Salary Shield life insurance. For less than two dollars a day, your family can receive 30,000 dollars a year until you would have reached retirement age. Woman #1: I thought they had life insurance. Woman #2: They did. But after Nancy paid for the funeral, the hospital bills and the credit cards, there wasn’t much left. And without Mike’s salary, life is really tough for them. Spokesman: If you’re between the ages of 18 and 55, call now and a Salary Shield expert will help select the protection level that’s right for you. In today’s uncertain economy, it helps to know that with Salary Shield, you’re guaranteed to receive a check every month. Remember, for less than two dollars a day, you can replace up to 30,000 dollars a year of annual income. Salary Shield. Protected income your family relies on. Announcer: Call 888-895-0197 today. * * * * * * * * * * * * * * * * * * * * * * * * NEXT DAY PROMO GRAPHIC: CONSTANTINE LEE WEBB: Tomorrow. Take a trip back to the fourth century . . . . Man: There was a terrible topsy-turvy attack. LEE WEBB: . . . . for the biggest event in Christianity since the Resurrection. Man: This was a dramatic, dramatic move. LEE WEBB: One that would change history forever. Man: There is no question that he felt called by God to Christianize the Roman Empire. LEE WEBB: Discover the life of Constantine and the battle for the soul of the world. Tomorrow on The 700 Club. * * * * * * * * * * * * * * * * * * * * * * * * TERRY MEEUWSEN: During high school, Julie Woodley put a star in her diary every time she had sex. She craved the wrong kind of attention from men, the kind she first got from her father. JULIE WOODLEY Julie Woodley: He would threaten me with guns when he would sexually abuse me, that if I told anyone, he would kill me. MICHELLE WILSON: Julie Woodley grew up in the Rocky Mountains. But her life was far from picture perfect. Beginning at age six, her father began to molest her. Julie Woodley: My father would tell me that this is how daddies show their girls love. MICHELLE WILSON: Most of the sexual abuse occurred when Julie’s mother was away. Julie Woodley: Whenever I knew my mother was going to leave, my stomach just sunk, because I knew that something may happen. MICHELLE WILSON: As Julie grew, the sexual abuse continued. The lines between “love” and “abuse” began to blur. Julie Woodley: This was the only time he ever said he loved me. So it became very confusing for me, because I thought this was the way I get loved by my dad. I then began to want him to be sexual with me or to hold me or to love me, because I was so absolutely hungry for love. MICHELLE WILSON: By high school, Julie discovered that alcohol and marijuana seemed to numb her pain. But she never quite figured out how to be loved. Julie Woodley: I was very sexually addicted. I did everything I could to be held and to be loved by a man. And so I remember I would make a star in my diary when I would have sex. MICHELLE WILSON: At age 17, Julie became pregnant through a high school fling. Her parents forced her to have an abortion. Julie Woodley: I felt like a rag doll that was just to be tossed to the side. It didn’t matter how much pain I was in. They didn’t care. MICHELLE WILSON: After the abortion, Julie’s father became more violent. One night he nearly killed her. Julie Woodley: I stumbled in the door, as he drug me to the fireplace. And my father began to smash my head against the fireplace. And my mother was there, and I remember the last thing she said before I became unconscious was she said, “My God, don’t kill her.” And I knew that she wasn’t saying that because she wanted me to live, because she cared. I knew that she was saying that because she didn’t want that to be known that he killed his daughter. Status was absolutely everything in our family. MICHELLE WILSON: Julie ran away to a friend’s home. The day after high school graduation, she bought a one-way train ticket out of town and wouldn’t see her parents for the next 17 years. In order to survive on the streets, she turned to prostitution. Julie Woodley: I didn’t even have enough self-esteem to ask for money. I’d just ask for whatever I could get, a place to sleep, a place to survive. So I just ran from man to man. MICHELLE WILSON: One night, Julie received a phone call that a close friend had been murdered. She went on one last drinking binge and decided to end her life. Julie Woodley: And I had this special bottle of pills in the medicine cabinet for this special night when I would take my life. And I remember that night just frantically pacing back and forth and digging my fingernails into my hands just to stop from killing myself. And I just sobbed and sobbed and sobbed. And finally, I had the courage to take the pills and throw them in the trashcan. And I remember that night just saying, “God, save my life,” just screaming it out. And finally, finally, I cried myself to sleep. MICHELLE WILSON: In the middle of the night, Julie was startled awake by a voice. Julie Woodley: The voice said, “Julie, I love you.” And the voice got louder and louder until it woke me up, and it said, “Julie, I love you.” And I should have been afraid, but I was not afraid. I felt all this hot love just run right through my body, and I thought, “Who could ever love me?” MICHELLE WILSON: Julie began to search for the source of that voice. She enrolled in a local college where she met a Christian girl who invited her to a Bible study. Julie Woodley: They talked about the love of God, and I knew that they were talking absolutely to me, because I knew that everybody else had this, but they talked about being born again. They said that I could start over again. My slate would be clean. And I accepted Christ into my life. MICHELLE WILSON: As Julie started growing in her new faith, God began to remove the pain of her past and give her a new identity. Julie Woodley: It’s like all that had been taken away from me He began to replace it with His love. My femininity. He began to replace the beauty that He had given me. He began to just replace everything that had been ripped away from me. MICHELLE WILSON: Julie married and had four children. But she knew she still had to forgive her father whom she hadn’t seen in 17 years. Finally, she went to his house to see him. Julie Woodley: My Dad was standing there, and I said, “Dad, I need to say that I forgive you for everything.” And for the first time in my life, I saw my father just begin to sob. And he just collapsed on the ground and began to sob. And he looked at me, and he said, “How could you ever forgive me?” And I said, “Dad, I can forgive you, because God has forgiven me for so much.” And I left, and I said goodbye. And I felt like a tremendous weight had been lifted from me. MICHELLE WILSON: Today, Julie is at peace within herself because of her relationship with Jesus Christ. Julie Woodley: I found someone that could love me, that understood me. I found someone that wanted to be my best friend, that would never, ever leave me, and someone that would forgive me for all of the sins that I had done. * * * * * * * * * * * * * * * * * * * * * * * * TERRY MINISTERS SALVATION TERRY MEEUWSEN: It’s hard to imagine what it must have been like to grow up in Julie’s situation, isn’t it? But then, maybe some of you have had similar circumstances. The message behind what’s happened to her and what she shares with all of us today is that you can’t wander too far away to be reached by the love of God. Julie’s wandering came about because of what had been done to her. Life is filled with tragedy, with pain. Wounded people wound people. Until we come to Jesus and find what Julie found, not just a brand new beginning, but healing from the past and an invitation to walk in the love of God every day, every day of our lives. And then God took her to another place of saying, “I want you to be able to forgive.” Forgiveness didn’t mean Julie said to her dad, “What you did was okay.” She was releasing him, so she could be free, too. Something happens when we forgive people who have wounded us. It’s like Heaven opens above us. And suddenly we are filled with the ability to live life abundantly. We’re set free in the process. So I don’t know where you’re at in your life today. Maybe somebody has deeply wounded you. Maybe you’re someone who, for whatever reason, has gotten off the beaten path, and you’ve done some things that make you feel like God just couldn’t love you. Maybe you’re someone who really needs to offer and extend forgiveness to someone or some situation in your life that’s really wounded your heart. You know it’s a choice. It’s all right before you. Here is the great thing. Not only does God make the way open to us, He says, “Let me come into the middle of your heart and your life. Let Me not just forgive your sins and wrongdoing, let Me give you the grace and the power you need to extend forgiveness to people who have hurt you.” God wants to do that for you today. And on the other side of that comes the very freedom you’ve been looking for. The beginning of it is to invite Jesus into the middle of it. Maybe you’ve never done that. You might even be a churched person, but maybe you’ve never done that. Will you do it with me right now? Just invite Jesus into your heart and life and say, “I want to give it all to you.” And He will come in. Everything will change. Everything. Let’s pray together. “God, I’m listening to Julie’s story, and I’m looking at my own life, and I’m saying I want what she found. God, I want to ask you to forgive the choices I’ve personally made in my life, no matter what the reasons that have brought me to the place I’m at. Will you forgive me? Will you forgive me for the times I’ve hurt others, wounded others, hurt myself, walked away from you, deliberately done things I’ve known are wrong. I’m asking you to be the Savior of my soul. Forgive my sins. Thank you for waiting for me. But I’m also asking you to be the Lord of my life. I want a new beginning with you. I want to know how to be free, how to have life abundantly, like you promised we were supposed to. So I’m asking you to be the Lord of my life as well. Come into the center of my being. Live in my heart. I’m saying to you, Jesus, I love you. I love you. I give you all that I am and all that I have. And I’m asking you, Holy Spirit of the living God, to come and be resident in me. Open the ears of my understanding and the eyes of my heart, so I can see you and hear you. When I read your Word, make in resonant in my heart. I just pray that every day would be guided and directed by you. I receive everything you have to give me. I want to live for you and in you. In Jesus’ name I pray. Amen.” If you’ve just prayed that prayer, then the thing to do right now is to begin to grow in that relationship with God. GRAPHIC: 1-800-759-0700 CBN.COM You have leapt off the cliff. Now, what do you do? Well, we’ve put together a little packet for you called “A New Day,” and it’s filled with information on how to help your relationship with the Lord grow. GRAPHIC: OUR GIFT TO YOU 1-800-759-0700 CBN.COM This is free, and we’d love to send it to you. If you’ll call our toll free number, it’s 1-800-759-0700. Just say, “I just prayed with that lady on TV, and I’d like the packet ‘A New Day.’” We’ll send it out to you right away. We’ll be back with more of The 700 Club, right after this. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 5A: PRAYER COUNSELING Son: Daddy? Father: Yeah, buddy? Son: How many nickels are in a dollar? Father: There are 20 nickels in a dollar. Son: How do birds fly? Does milk really make my bones stronger? Father: Yeah. Yep. Son: Daddy, when we die, will we go to Heaven? Announcer: Do you have the answer to life’s biggest question? Call The 700 Club. We’ll help you find answers to the important questions life brings your way. * * * * * * * * * * * * * * * * * * * * * * * * SPOT 5B: ALERT USA Dr. Joyce Brothers: Hi, I’m Dr. Joyce Brothers. Those of us who are independent and live alone shouldn’t do so without having emergency protection. And for reliability and peace of mind, I recommend Alert USA. Announcer: With Alert USA, if you ever need assistance, just press your pendant to be connected to an operator who can summon help to your home 24 hours a day. Dr. Joyce Brothers: I’ve been giving advice for many years, and I believe Alert USA provides the best emergency support and value for your dollar. Call now for a free brochure. * * * * * * * * * * * * * * * * * * * * * * * * GUEST: JOE GANDOLFO PAT ROBERTSON: Well, our next guest is a financial planner with more than 50 years of experience, 20,000 clients across the country. Today he is here to share some money saving tax tips. He’s a dear friend, Joe Gandolfo. Joe, it’s so good to see you, my friend. Joe Gandolfo: A pleasure to be here, Pat. PAT ROBERTSON: God bless you. Joe Gandolfo: Glad to see you. PAT ROBERTSON: Your eyes are open to the take of the government from your salary. What do you do to tell people to save some money? Joe Gandolfo: Okay, first of all, Pat, of course, I’ve been listening to you for years. But each taxpayer should look at line 38, which is the first line on the second page of their tax return. PAT ROBERTSON: Okay. Joe Gandolfo: And then tithing of that, ten percent, is reflected on the third page of the tax return, schedule A on line 19. PAT ROBERTSON: All right. Joe Gandolfo: Okay, that’s the minimum. However, the Internal Revenue code allows you to deduct up to 50 percent of that line 38. And that’s to a public charity or 30 percent of that in property. If it’s a private foundation, the IRS allows you to deduct up to 30 percent of line 38 in cash or 20 percent in property. So that’s the first thing. The second thing, if they’re employed, they should have their IRAs, SEP IRA’s, a defined benefit plan. But what most taxpayers don’t realize, those that are in business for themselves or the Internet, if they have children seven years of age or older, and they work after school, vacations, weekend, they can pay them 5,700 dollars, plus 5,000 for an IRA, deducted, no taxes, no social security or Medicare, as long as they’re not incorporated. So this is a good way to do that. Then they can go into their own business. For example, mom and dad, you’re taking care of them. You don’t need to lie, cheat or steal to go offshore. So I have a lot of clients, for example, like myself, I have three children, and my wife’s parents were alive until they were 96. And I put them on the board of directors. And I would have a board of directors meeting every Thanksgiving, Christmas and Easter. And I live about 15 miles from Disneyworld. But a lot of people aren’t blessed that way, and a lot of professionals can’t allow them on the board of directors. So I form a separate sub S corporation, for example, like “Doctors or Dentists, Lab, Inc,” make it a sub S. Mom may be in a nursing home. The father-in-law may be in a nursing home. And the son, 42, still trying to go through college. So income, that saves 100,000 a year. So they each get 33, and they pay taxes, but no social security or Medicare, because it’s unearned income. PAT ROBERTSON: Oh, okay. Joe Gandolfo: So that’s a great way to diversify. PAT ROBERTSON: You’re saving thousands of dollars in what you’re talking about. Joe Gandolfo: But people don’t understand it. So if you put the Lord first and give Him His share, you’re going to pay less to Uncle Sam. PAT ROBERTSON: Sure. Give me an example of somebody you advised that saved a pot load of money. Joe Gandolfo: Well, I have a lot of clients who have gone public or who wanted to sell real estate. So let’s say a person paid 100,000. I can give you an example. He paid 100,000 for a piece of real estate and sold it for ten million. PAT ROBERTSON: Wait a minute, he paid—where do you find those things? Joe Gandolfo: Well, he’s quite elderly, but he invested a long time ago. PAT ROBERTSON: Okay. Joe Gandolfo: But anyway, so he called me up. And so we placed it in—I’m call him John Doe. PAT ROBERTSON: Yes. Joe Gandolfo: We transferred it from his living trust to his charitable remainder trust first. Then the charitable remainder trust sold it, and the money came in there all tax free. PAT ROBERTSON: Sure. Sure. Joe Gandolfo: And then the money he took out was capital gains. And when he dies, it’s going to go to his private foundation which his children run. And in my foundation, all the benefits are going to go to Operation Blessing. But the other thing I want to cover real fast is if you’re worth more than 3.5 million, Uncle Sam is going to get 45 percent of it in a state tax. So the way I design multimillionaires’ and billionaires’ estates, we leave the children the unified credit, 3.5 if you’re single or seven million. And this is going to be extended until the next year. And then everything else goes to their private foundation. So the IRS gets nothing, and then they dole it out to do God’s work. PAT ROBERTSON: That’s fantastic. Joe Gandolfo: So you don’t need life insurance for state taxes and millions are enough for kids anyway. And I’m not a big believer in leaving them a lot of money anyway. PAT ROBERTSON: Joe, how would somebody get hold of you if they wanted to get some of these tax tips? Joe Gandolfo: Well, I work very close with Frank Nikko here on your staff under tax planning. GRAPHIC: FOR MORE INFORMATION LOG ON TO CBN.COM He’s here at CBN. But I have a toll free 800 number: 553-1008 in Lakeland, Florida. I do it all by phone. And my initial consultation is free. I don’t make any charges. Then if I can help the people, we can go from there. So that’s how people can reach me. PAT ROBERTSON: Joe Gandolfo, ladies and gentlemen. He’s a wonderful man. I’ve known him, how many years? It’s been 40 or 50? Forty years? Joe Gandolfo: Fifty years I’ve been in practice. Yes. PAT ROBERTSON: Well, you’ve been a friend of ours for almost that same length of time. Joe Gandolfo: Well, I have to share a story with the audience, because when I first saw you in Portsmouth, I decided to give 5,000 dollars. It was the biggest tithe I’d ever had. And the following Monday—I saw you on a Friday—I got a check in the mail for 10,000 dollars on an investment I’d made and forgot about. PAT ROBERTSON: Joe, that’s all the time we’ve got. Joe Gandolfo. GRAPHIC: COPYRIGHT 2009 CHRISTIAN BROADCASTING NETWORK * * * * * * * * * * * * * * * * * * * * * * * * DISCLAIMER: MONEY MONDAY GRAPHIC: The material provided on this Program is for general informational and educational purposes only. No information on the Program is intended as investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund. You alone are solely responsible for determining whether any invest- ment, security or strategy, or any other product or service, is appropri- ate or suitable for you based on your investment objectives and personal and financial situation. Seek the advice of a qualified securi- ties professional before making any investment. * * * * * * * * * * * * * * * * * * * * * * * * END SPOT: YOU WERE THERE TERRY MEEUWSEN: Hi, this is Terry Meeuwsen. I have the privilege of traveling around the world, seeing the life changing things CBN partners make possible. On a recent trip to South Africa, I saw firsthand the incredible difference you’re making in orphans’ lives. Here at home and across the nations, you are bringing the help people so desperately need, just like you did for Sadhana and her family when their home in Orissa, India was set on fire just because they’re Christians. They and 300 other families found food, clothing, love and refuge in a camp for persecuted Christians you made possible. Your monthly gift makes it possible to heal the sick, feed the hungry, preach the Gospel and so much more. Please watch for this mailing and send in your pledge. Imagine lifting a life out of despair and filling it with hope. That’s what you do every day as CBN partners, and it only happens because you were there.


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