Tuesday, August 16, 2011

Noted Financial Personality Releases Consumer Directory of Christian Financial Advisors


Contact: Robert Yetman, 407-719-7255

PALM COAST, Fla., Aug. 16, 2011 /Christian Newswire/ -- ChristianMoney.com, a comprehensive website for Christians that provides information about personal finance along with news and opinion of current events, is pleased to announce the availability of a brand new directory that features financial professionals who wish to be known to the general public as Christian in orientation. The directory site is ChristianFinancialPlanner.us, and it is the latest addition to the family of ChristianMoney.com-related websites created for the benefit of the more values-centered consumer. The purpose of the directory is to give those consumers who wish to specifically work with Christian financial planners and advisors an opportunity to connect with someone whom they feel may be particularly well-suited to helping them meet their financial objectives.

ChristianMoney.com itself is the official online "home" of James L. Paris, a long-standing presence in the realm of Christian media. As the author of over 20 books in the area of personal finance, an established guest on a wide variety of Christian television and radio shows like The 700 Club, Celebration, and Point of View, as well as on secular stations like Fox News Channel, Mr. Paris' name is synonymous with expertise in the area of personal finance both throughout the United States and around the world. Mr. Paris is also the developer of Christian Chirp, a Christian-oriented microblog similar to Twitter.

The directory is just the latest effort on the part of Mr. Paris to bring opportunities often reserved for the secular community to the Christian audience. Says Paris, "I have long been interested in seeing Christian interests reflected in areas that so often seem to remain the sole province of the secular community. With the availability of a directory that highlights Christian-oriented financial professionals, Christian consumers can perhaps feel more comfortable about accessing the sometimes-complex world of financial planning and other associated services." 

For more information about ChristianMoney.com and ChristianFinancialPlanner.us, you may visit those website locations at www.christianmoney.com and www.christianfinancialplanner.us.

Wednesday, August 3, 2011

Be Good stewards of What God Has Given: Create and Maintain a Budget

By: Ron Mitchel 



In Luke 16:1-13, Jesus told the parable of the dishonest steward as a way of warning us against poor stewardship. The moral of the story is “So if you have not been trustworthy in handling worldly wealth, who will trust you with true riches?”. We are also responsible to provide for our own family, as 1 Timothy 5:8 reminds us: “If anyone does not provide for his relatives, and especially for his immediate family, he has denied the faith and is worse than an unbeliever.”

The first step to avoiding the troubles of financial debt is to create and maintain a budget. It’s not as intimidating as it sounds, don’t worry.

First off, create a list of all your monthly income and also a list of your monthly expenses. When determining income, list all sources including alimony, child support, side jobs, etc. In calculating expenses, be sure to include housing, food, transportation, utilities, entertainment, etc. To gain an accurate reflection of actual expenses, sit down each night and write down expenses, just make sure to save receipts. Determine if your income covers all of your expenses. If the answer is no, then some expenses need to be reduced.

Adjust expenses. If it is a small discrepancy, it may mean reducing some minor expenses like entertainment or cell phone plan. If the deficit is larger, you may need to downsize your vehicle or living arrangements. If your income covers all of your expenses, you still may want to trim some of the excess fat off your spending habits. This can free up extra money for things such as vacations or college funds for your children.

Additionally, consider if you need to add new categories. Some areas that are often overlooked are debt reduction, emergency savings funds, and retirement savings. An emergency fund ensures there is an adequate amount available to cover unforeseen events (car emergency, etc), should it arise. This will eliminate the need for using credit which can quickly damage your budget.

There are several advantages to sticking to your budget. Firstly, most people have set financial goals that they would like to reach in the future. Sometimes it may be a trip, a brand new car, or a college education. A budget can help people save money to make these goals a reality. Additionally, many people are crushed under heavy consumer debt. Without a disciplined pattern of spending, it is virtually impossible to make much headway in reducing debt. A personal budget will provide the necessary framework to begin eliminating these inflated account balances.

If executed properly, a budget will allow a person to simultaneously meet their expenses, place money into savings, and pay back outstanding debts. Therefore, it is anyone’s best interest to create and implement a budget.

For many in these trying financial times, having enough money to balance their budget can be difficult if not impossible. In this situation, it might be advised to take out a small loan with a trusted acquaintance or company to get the boat upright, so to speak. But what company is best suited for this task? I preferChristianCashAssistance.com as they allow you to fill out a simple form and be connected with lenders who are willing to help you put your financial house in order.

Article Source: http://christian-topics.info
Your one step to financial prosperity begins with Christian Cash Assistance. Click Here!

Friday, July 29, 2011

Wealth and the Christian

By: Josprel 



“There is that maketh himself rich, yet hath nothing. There is that maketh himself poor, yet hath great riches” (Proverbs 13:7 KJV).

“But they that will be rich fall into temptation and a snare, and into many foolish and hurtful lusts, which drown men in destruction and perdition” (1 Timothy 6:9 KJV).

I once heard a dedicated Christian grumble that serving the Lord had made him poor. He said that when he was born again he instantly dedicated his three young sons to God for the ministry.

“Lord, I don’t care if I’m poor for the rest of my life, just use my sons in your work,” he prayed.

When the sons reached young manhood, all three studied for the ministry and became successful pastors. On hearing the father complaint, I said to him, “Why are you complaining about your lack of wealth? You told the Lord you didn’t care if you were poor the rest of your life, as long as He used your sons in His work. Now that God took you at your word, you grumble about it?”

From the moment I first began preparing for the ministry until now, I have never requested wealth from the Lord; however, I have often requested wisdom. Only others can witness whether that request has been answer; I hope it has. One brother actually severely rebuked me for not asking the Lord for riches. Yet God always has been good to my family, abundantly providing for us. The churches we have served faithfully cared for our temporal requirements. The church boards generously raised our salaries and allowances without my asking them to do so. At board meetings, I would be asked to leave the board room, and when I rejoined the meetings, the board chairman would inform me that either my salary or expense accounts or both had just been increased. But I never asked for these increases.

God does not define wealth by human standards. The writer of Proverbs 16:8 noted that, “Better is a little with righteousness, than great revenues without right” (KJV). It is true, however, that there are obvious material requirements persons possess. Most people would rather be wealthy then merely comfortable; but for the Christian, material prosperity must be subordinate to spiritual prosperity. The Apostle John wrote to his friend, Gaius, “Dear friend, I pray that you’re doing well in every way and are also healthy, just as your soul is doing well” (John’s Third Epistle, verse two, TEV). The obvious question to ask here is: If we were doing as well as our soul is prospering, just how healthy and wealthy would we be?

It is difficult to possess great wealth and not put our trust in it, though a few believers have miraculously accomplished it and put the wealth to paramount use for God. Perhaps that difficulty is the reason God in his omniscience and mercy has not made more of us millionaires.

Mark 10:17-27 records the story of a wealthy young member of the Jewish Sanhedrin who came anxiously running to Jesus.

He asked, “Good teacher, what must I do to receive eternal life?”

Jesus answered, “You know the commandments...”

“Teacher, ever since I was young, I have obeyed all these commandments,” replied the young man.

Jesus looked lovingly and intently at him and said, “You need only one thing. Sell all that you have and give the money to the poor, and you will have riches in heaven; then come, take up the cross and follow me.”

When the man heard this, his went away sad, because he was very rich (Mark 10:17-23).

Jesus said to His disciples, “How hard it is for rich people to enter the Kingdom of God!” (Mark10:17-23; TEV; KJV esp. v. 21).

The young man’s problem was not his wealth; it was a misdirected faith in his wealth. He trusted in it and it robbed him of a relationship with Jesus. This author once wrote an entire article on the rich young ruler, titled, “The Man Who Rejected His Cross.” Though we fault the young man for rejecting his cross and the call of Christ in his life, to a lesser degree, we sometimes do the same thing.

So how should a believer handle prosperity? To answer this question, we should study the Book of Job. James 5:11 informs us that Job was a man no different than other men. He had passions the same as we all have. It has always been difficult for humanity to overcome the passion for possessions. Moreover, it is becoming increasingly evident that our young people, because of subliminal - and not so subliminal - media messages with a “give-me-what-I-deserve-to-own-now” slant, seek an instant gratification of their desire for possessions. They demand to instantly own things that past generations labored long and hard to possess. Still, owning great possessions does not necessarily indicate that one is unrighteous; one is not unrighteous simply because one is wealthy. Conversely, having no possessions does not indicate that one is righteous; one is not holy simply because one is poor.

Scriptures record that Job was so wealthy that he “was the greatest of all the men of the East” (Job 1:3; KJV). Job was an upright man who feared God and avoided evil (3:1). God permitted Satan to test Job, to prove that Job did not require wealth to serve God. In Job, we ascertain the characteristics of a once wealthy man who, after loosing all his possessions and his children, remained marvelously spiritual.

After the loss of his wealth, Job poetically informed us that he had made a covenant (contract) with his eyes: It was a covenant for holy seeing. “I made a covenant with mine eyes: why than should I [lustfully] think upon a maid?” (Job 31:1).

Do you remember that little chorus we sang in Sunday School, “Be careful little eyes what you see”? Well, Job practiced the spirit of that chorus thousands of years before it was composed. Since the eyes serve as the gateways to the world around us, it behooves us to be careful what they see. As Americans, we may not agree with censorship, but a self-censorship of what we permit our eyes to see is perfectly spiritual.

After the loss of his wealth, Job testified that God actually saw his ways and counted his steps: “Doth not he see my ways, and count all my steps?”

Such an assurance that God actually sees our ways and counts the steps we take will comfort us in difficult times. My dad’s favorite song was, “His Eye is on the Sparrow,” in which occurs the phrase, “And I know He watches me.” To know that God watches us is either comforting or disturbing, depending on our behavior. Knowing that God watched him comforted Job in his afflictions, though he could not understand the reason for the poverty and ensuing physical sufferings that descended upon him. In riches or in poverty, in sickness or in health, he remained true to God.

After the loss of his wealth, Job took assurance in fact that he had been a considerate employer. “If I did despise the cause [needs] of my manservant or of my maidservant, when they contended [reasoned] with me; What then shall I do when God riseth up? And when he visiteth, what shall I answer him?” (Job 31:13-14).

I once attended three-day seminar titled, “Living Today in the Light of Eternity.” Job lived in this manner. He lived each day in the light of eternity, asking himself the question, “[If I do not treat others well] What shall I do when God riseth up [calls me to give an accounting]. What shall I answer Him?”

Quite a question! One each of us should ask ourselves!

Sadly, we often hear reports of those with great wealth who arrogantly look down on the less fortunate. One pastor told me of a family that once faithfully attended his services.

“The entire family was faithful to the Lord,” he stated, “Each member of the family helped in the work of the church. Some sang in the choir, some taught classes or worked with children.”

Sounding as though his heart was breaking, he continued, “Then a very wealthy relative passed away and the family, who was the only heir, was left all the person’s wealth. For a while, they continued attending services. Then they began behaving as though other members of the congregation were not in their social standing and, therefore, beneath their friendship. Their church attendance gradually tapered off until now, no amount of persuasion will bring them back. They attend no church, and have abandoned the Lord.”

Job did not feel that way about those less prosperous then himself. He did not withhold from the poor, he cared about widows and orphans. He was one who shared his wealth with those who had less than he had.

After the loss of his wealth, Job took assurance in the knowledge that he had not greedily grasped for more wealth than he already possessed (Job 31: 24-25). He testified that he had not made gold his hope. Someone once asked an extremely wealthy man who continued amassing huge sums of money, but was not philanthropic, “Why are you still grabbing for more money. You already have more than enough to last several lifetimes.”

“I do it because I can,” the man answered, “Anyway; one never has more than enough money.”

“But why just horde it away; why not use it to help others who are in need?”

“I worked hard for what I have. No one ever gave me anything. Why should I give away what I have? Let them work like I did. I’m not in the charity business.”

Such tightfistedness degrades a person’s entire being. As portrayed in a popular Christmas classic, greedily grasping for wealth without caring for those about us creates a miserliness of the soul that cripples a person’s existence. Wealth can, therefore, be a blessing or a curse, depending on the attitude of our hearts.

As the Apostle Paul advised us, having enough to eat and drink, let us therewith be content. After all, God’s Word promises us that "...with all his abundant wealth through Jesus Christ... God will supply all your needs (Philippians 4:19; TEV).

That’s quite a promise; no one is wealthier than God!

(c) Joseph Perrello (Josprel)
josprel@yahoo.com

Article Source: http://christian-topics.info

Thursday, July 28, 2011

A Way to Save Money

By: Ann Doupont 



Suddenly I realized that I’d been doing something for years that others might not know about and so I thought to share this idea also with you.

What I do daily is to empty a section of my purse where I have my money, removing all of the coins I’d received in change for any cash purchases that day and putting them into a coin sorter. This could also be done by simply emptying the coins into any container, but having a coin sorter makes it easier. You should be able to get free coin wrappers at your local bank. You might want to start with 10 of each…quarter wrappers, dimes, nickels and penny wrappers.

You’ll be amazed at how quickly these add up and you then have some extra money. A roll of quarters is $10. Dimes are $5. Nickels are $2 and pennies are 50 cents. What I then do is take them to my bank to exchange for paper money, usually after I have about 2 rolls of quarters and whatever else I have.

You don’t really miss the change and having it in your purse, pocket, or wallet can get heavy. So, this way of saving then has a two-fold purpose; that of saving, and that of having less to carry around with you.

I’ve been debt free since 1989, as God has taken care of my needs. I haven’t really kept a budget, but I do look for sales and when my cash flow is low, I go without buying anything extra. Additionally, I’m a firm believer in giving the first 10% of all my income to the Lord’s work and have done so for many years as well as giving offerings as He leads.

I realize that others don’t believe the way I do on these things; however, this works for me. I can then claim the benefits of the conditional promises in Malachi 3:10-11 and Luke 6:38. Often, I will take my tithe check and lift it up to the Lord telling Him that I am bringing my tithes to the storehouse and thanking Him that He will then open to me the windows of Heaven and pour out a blessing that there’s not room enough to receive, and that He will rebuke the devourer for me.

Sometimes when giving an offering either to the work of the Lord or to the poor and needy, I pray over the check before giving or sending it, thanking God that “I give and it’s given to me, good measure, pressed down, shaken together and running over.” This is speaking forth His Word in prayer, which is how I often pray.

At another time in my life, I made a list of things that could be bought in an effort to differentiate between my true needs (shelter, food, clothing, etc.) and what things were merely wants/desires. That helped me get a better handle on my expenditures. I also thought to consider how income was to come to me. As a person of integrity, I wanted to be sure I did this correctly. I was appalled to hear of some Christians who would dare to cheat on their income taxes, which I’d heard more than once spoken from the pulpits.

We will be tested by our money. God sees our hearts. He knows why we do what we do regardless of who else knows it. He knows whether we really love Him or not.

In keeping it simple, I do this…First, I give 10% of any income I receive. Second, I pay for my living expenses. Third, I give offerings as the Spirit leads. Fourth: In seeing how much is left, and in knowing how much and when to expect to receive income again, I either put the extra in the bank or buy some things for myself.

Different people have different plans for their expenditures. I prayerfully consider where and when to spend what God has entrusted to me, wanting to be a wise steward of all I’m given. If you don’t have a plan for how you spend your money, you’ll most likely run out before you get more. I had a friend who worked for the state of California and was paid monthly. She always ran out of money before the end of the month, not having a plan to follow, and she never knew where the money went.

I started to write this just to share with you a very simple way of saving money that has been working for me for many years and then ended up sharing much more than I’d originally intended. The biggest thing to consider in staying out of debt is discipline. It requires a great deal of discipline to not buy things you don’t really need. But if I, a former mental patient, can do it; so can anyone else who puts forth the effort. It’s worth it, the peace you will have knowing that you don’t owe anyone anything…except for loving them.

Ann Doupont
Student of God’s Word
www.anndoupont.org

Article Source: http://christian-topics.info
Ann Doupont is a Christian author and teacher of God's Word. For more about her ministry, please visit www.anndoupont.org.

Friday, July 22, 2011

Right on the Money: Financial Advice for Tough Times




You know that Pat Robertson is a world-famous televangelist, but did you know that he's also an expert in financial matters? In his weekly broadcast segment, "Money Monday", Dr. Robertson answers viewers' questions about all things financial. His deep knowledge of finance, based on sound economic - and Biblical - principles, has made him a "go to" resource for hundreds of thousands of CBN viewers.
Now he has written a book that is accessible to everyone and provides answers people desperately need in today's tough times.
Among the topics he addresses are how to:
  • Create a healthy financial plan
  • Devise spending strategies tohelp you live within your budget
  • Identify areas where your money can grow
  • Build a nestegg
  • Maximize your tax savings
  • Cut costs
  • Diminish your debt
  • Invest wisely
  • Make prudent financial decisions
  • Plan for the future
  • Enjoy peace of mind and God's financial protection


Thursday, July 21, 2011

God Has A Lot to Say About Finances!

By: Shaila D Touchton 


And Abram was very rich in cattle, in silver, and in gold." Gen. 13:2 "He listened to, and obeyed God." Gen. 12:1-4 
"He honored God, who prospered him." Gen. 12:7 


"He was generous, and avoided strife." Gen. 13:5-9 

"He was compassionate toward others." Gen. 18:24-33

Solomon understood the principals of prosperity. He was one of the richest men who ever lived. His proverbs reveal many truths regarding finances.

"Honor the Lord with thy substance, and with the first fruits of all thine increase: so thy barns be filled with plenty, and thy presses shall burst forth with new wine." Proverbs 3:9-10

"He who gives to the poor will not want, but he who hides his eyes [from their want] will have many a curse." Proverbs 28:27 AMP

But in order to have true riches, the motive of your heart must be pure, to bless others and establish God ' s covenant.

"And beware lest you say in your [mind and] heart, my power and the might of my hand have gotten me this wealth. But you shall earnestly remember the Lord your God, for it is He Who gives you power to get wealth that He may establish His covenant which He swore to your fathers, as it is this day." Deuteronomy 8:17-18 AMP

God does indeed want to be involved in our finances. Most Christians who are defeated in their finances are defeated because they believe and confess the words of the enemy, and those words hold them in bondage. What we believe and speak affects the natural world, including our finances. God has given us His Word so that we can understand these spiritual laws. When you work with these laws, they work for you. When you work against God ' s spiritual laws, they work against you.

When you speak negatively about your financial situation, you have what you say and believe. Here is a very important spiritual law: You can have what you say. With your words you can choose life or death, poverty or riches, sickness or health. You may tithe 10%, work hard, and pray for prosperity every day, but if your words are negative and contrary to God ' s Word, you could stay in debt, struggling to make ends meet.

Words are powerful, but God ' s Word is full of creative power. When you agree with what God has said about you, speaking His Word, your circumstances will begin to change and line up with His Will for your life.

As I give, it is given unto me, good measure, pressed down, shaken together, and running over. Luke 6:38.

My God makes all grace abound toward me in every favor and earthly blessing, so that I have all sufficiency for all things and I abound to every good work. 2 Corinthians 9:8.

I am blessed in the city, blessed in the field, blessed coming in, and blessed going out, my laying down, my rising up. I am blessed in the basket and blessed in my bank accounts, investments, health, and relationships; they flourish. The blessings of the Lord overtake me in all areas of my life and I receive them. Deut 28:1-14.

I am like a tree planted by rivers of water. I bring forth fruit in my season, my leaf shall not wither, and whatever I do will prosper. Psalms 1:3.

The blessings of the Lord makes truly rich, and He adds no sorrow with it. Proverbs 10:22

The Lord has opened unto me His good treasure and blessed the work of my hands. He has commanded the blessing upon me in my storehouse and all that I undertake. Deuteronomy 28:8 and 12.

God delights in my prosperity. He gives me power to get wealth that He may establish His covenant upon the earth. Deuteronomy 8:18, 11:12

God has given me all things that pertain to life and godliness, and I am well able to possess all that God has provided for me. Numbers 13:30, 2 Peter 1:3-4.

I delight myself in the Lord, and He gives me the desires of my heart. Psalms 37:4.

The Lord rebukes the devourer for my sake, and no weapon that is formed against me will prosper. All obstacles and hindrances to my prosperity are now dissolved. Malachi 3:10-11; Isaiah 54:17.

The Lord is my shepherd, and I do not want. Jesus came that I might have life and have it more abundantly. Psalms 23:1; John 10:10.

Article Source: http://christian-topics.info

Wednesday, July 20, 2011

Attaining and Maintaining Financial Stability - 7 Practical Wise Habits

By: Hirwa G. Israel 



The greatest wise man in history says, “…money gives everything.” [1] Another place he says, “Wisdom and money can get you almost everything, but only wisdom can save your life.” [2]

Well, we know many people, even sincere Christians, struggle when it comes to areas of finances. Those who don’t have keep pursuing money while those who have are in constant fear of losing everything.

I believe in life principles. In order to attain and maintain financial stability, there are several principles or laws or habits a person will have to develop. You’ve heard of people who won millions or even made millions but who lost it all after a short time.

Let’s look at these seven wise habits:

Habit #1: Integrity

Honesty is the best policy. Your word is your life. Keep your promises. When you borrow money, payback on time. Settle your bills in time. Be honest in your dealings [3]. When people know they are dealing with a person of integrity, they will open many doors for you. I believe that trust is the foundation upon which wealth is built, all else is sinking sand. God honours uprightness.

Habit #2: Work Hard

The lazy will always be in lack. [4] Be diligent. Wake up early. Use your time wisely. Always give your best in everything your hand finds to do. Let excellence be your mark of honor. Like Joseph in the Bible, live your life in such a way that when people entrust you with responsibilities they have nothing to worry about. The hard worker will always be the leader and employer of those who are lazy.

Habit #3: Invest Where You Have Knowledge

People make a mistake of getting into business deals or careers where they don’t know what’s going on. Never get into something because many people are getting into it. Do your investigation. Ask questions. With many advisers a war is won. [5] And if you have doubts, then shelve a decision for a little longer until you have some basic information to work with. Before you get a loan for instance, carefully study the terms.

Habit #4: Save

Ants save food in summer. [6] Now could be your time of plenty. Put aside a certain percentage (Joseph in Egypt saved 20% [7]) of your income to achieve some goals you’ve set. Only fools eat everything they get. [8] Start small and keep going higher. Look for ways to reduce on your expenses. And when your income increases, save more, to invest more, not spend more.

Habit #5: Live Within Your Means

This is important too. It’s unwise to buy things just because you see others buying them. [9] Buy what you can comfortably afford. This is where you are content with what you have. [10] And being content does not mean being complacent. You can still aspire for greater things and what makes the difference is waiting till you’re in a position to afford them. With this you will avoid unnecessary debts.

Habit #6: Use Well What You Have

It’s very key to use well the little you have. Save on the little you have. Take good care of your property and those of others.[11] You see, the only sign that you can manage big things is how you manage the small things. You can be sure God will entrust you with much because he knows and sees you are a good steward and will not squander or misuse what he gives you.[12]

Habit #7: Give

Giving creates room for you to receive more. Tithe 10% of your income to your local church.[13] Help those in need whenever possible. Never send someone away when you could do something for them, even if it means recommending them to someone who could help.[14]

Remember that ‘the generous will prosper, those who refresh others will themselves be refreshed.’ ‘Give freely and become more wealthy; be stingy and lose everything.’[15] If you help the poor, you are lending to the Lord, and he will repay you.[16] And whatever you give is not lost, its only stored in heaven for you.[17]

It is possible to attain and maintain financially stability. God gives us the ability to make wealth.[18]

Remember that wealth that’s built slowly grows [18] and so be wary of get-rich-quick schemes. There are no shortcuts to financial stability, you have to pay the price of putting into practice the seven habits.

Scripture Reference:
[1]Eccl 10:19 [2] Eccl 7:11 [3] Prov 16:11,13 [4] Prov 10:4 [5] Prov 15:22 [6] Prov 30:25 [7] Gen 41:34 [8] Prov 21:20 [9] Eccl 4:4 [10] Phil 4:11& 1 Tim 6:8 [11] Luke 16:12 [12] Matt 25:21 [13] Mal 3:10 [14] Prov 11:24,25 [15] Prov 3:27-28 [16] Prov 19:17 [17] Matt 6:20 [18] Deut 8:18 [19] Prov13:11

Article Source: http://christian-topics.info

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