S.O.S.

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The.....Splendor Of Solomon!

Luke 12:27

"Consider the lilies, how they grow. They neither [wearily] toil

nor spin nor weave; yet I tell you, even Solomon in all his glory

(his splendor and magnificence)was not arrayed like one of these."


Wisdom is the ability to discern the inner qualities and relationships of a situation. Solomon in Wisdom takes Baby Steps to find out which woman did the baby truly belong too.

When you think of the word Splendor you think of words like Magnificence. When you think of the word Magnificence you think of words like wondrous, glorious, beauty, luxurious, excellence, nobility, stateliness, and grandeur. When you think of these words and begin to associate them with a man, you begin to picture a man of great stature. You begin to sense the walk and talk of a King and how that King carries himself. You do not get the sense you are interacting with an ordinary man.

29 God gave Solomon wisdom, very great insight, and understanding as [vast] as the sand on the seashore. 30 greater than all the wisdom of Egypt. 31 His reputation extended to all the surrounding nations. Solomon's wisdom was greater than the wisdom of all the people of the East, He was wiser than anyone —wiser than Ethan the Ezrahite, and Heman, Calcol, and Darda, sons of Mahol.

1 Kings 4:29-3

Yet when you think of the word S.O.S. the first thought one might think is what is related to a distress signal sent by the morse code. So what does The S.O.S. distress signal have to do with the Splendor Of Solomon? Everything really. "How so", do you say? Well for one, just in the scriptures given to you from the 1rst book of Kings above tells you that it was God who gave Solomon the wisdom. Why did God give Solomon the wisdom? Because, Solomon asked for it. Solomon simply asked for it because it was in his heart to rule over the nation of Israel rightly. It was also in his heart to do this because he wanted to please God in what He did. God's response was not only did He give Solomon wisdom, but He gave him great weath as well.

So the first lesson to learn here is to "Seek first His kingdom and His righteousness and everything else will be yours as well" Matthew 6:33

Yet, when you look at the book of Ecclesiastes in the Old Testament you will see Solomon describe life, and reality of life's circumstances, on a much deeper level. He illustrates all of the things that he did along with all of the consequences that came along as a result of those things. Not everyone of those things sounded good. In fact based on how he wrote you might think that could have easily fit the bill of that man in the Lending Tree commercial speaking of all the things that he had. It doesn't look like he was that happy as he was up to his eyeballs in debt, but rather it looked like he was sending out a true S.O.S. signal.

Here is a video about how we are steered by financial instutions of getting ourselves up to our eyeballs in debt. It is called The Secret History of the Credit Card, by PBS.  If you want to see just how far the rabbit hole goes, then watch this following video.  It will take this subject on to the max.    

How many of us will keep up with the keeping up with the Jones's facade in denial of the real truth of what is really happening. Perhaps, its time to send out our own S.O.S signal and get help. Perhaps, we are just looking for better ways that we can improve our own stewardship in the area of finances. God has no problem with us having finances. He just desires that we learn to walk in His wisdom so that the finances will not have us.

Here are some verses about Solomon's Wisdom in general

 

Author James Regan attends Financial Expert Dave Ramsey's Total Money Make Over Live Event

"One must propel like a Gazelle"

Sayings like this along with one taking financial “baby steps” were the central themes that were centered upon at the Dave Ramsey Seminar in San Antonio, Texas on March 10th. Much financial wisdom was being dispensed to the public in an energetic and entertaining delivery. While seeming to be a very kind and approachable person, Dave displayed a very sharp and practical understanding toward the financial forces that be. Financial forces that can easily lure, seduce, and entrap, the average American.

 

He explored truths about how we all get introduced into credit and debt when we are young. He revealed the clever commercial embedding used by creditors to promote the innuendo “that it’s a good thing to use and be in debt”, found in some children’s toys. He detailed the long term slow entrapment of debt, and how we get further and further, knowingly or unknowingly, entangled in the creditor’s web. Yet, they are so very glad to help us, aren’t they. He also spoke about one of the key improper uses of the credit card, which was for “emergencies”.

 

These and so many other credit usages we engage in eventually shift us to a fuller dependency on credit for the convenience of its use. In fact, it is held to be almost abnormal and un-American for one to not use credit to do things. Commercials on TV like the recent one that shows people in a store or bank doing business, where the people are turning, the wheels are turning, and the ceiling fans are turning, even as the business turns. Everything was turning and moving quite smoothly until there was one customer who decided to purchase his item in cash. Everything abruptly came to a dead stop, with an excruciating silence. The atmosphere was filled with a quiet and negative peer pressure like “how dare he”. Slowly, but surely, he finished his purchase. When the next customer prepared to make his payment, the music, and the wheels of “creditary happiness” began to turn again, and everyone went back to normal.

 

And so it goes and goes and goes, until you get to a point like in that other commercial where that upper middle class man begins to show us all of the things that he has; his house, his pool, his car, and even his new riding lawnmower, and then says, you want to know how I did this? He purchased it all on credit and said “I am up to my eyeballs in debt”. “Will somebody please help me”, all with a smile of denial.

 

Of course credit consolidation, and home equity loans, or the refinancing of your house will all come to your rescue. From the salesman to the loan officer they are so helpful along the way. Slowly but surely it creeps up on you until your house is threatened with foreclosure, or as in Dave Ramsey’s case, a full bankruptcy.

 

So what is the solution to this cunning conundrum? Dave Ramsey explained “that we must get out of debt like a gazelle flees from its hunter.” He then placed a video up on screen and we all watched a gazelle run and run and run, and very fast, from a cheetah.

He said this is how we have to be, we must be intense, and we must escape. Proverbs 6:5 These, and many other wholesome financial freedom ideas were pleasantly shared at this convention.

 

There were also many books, Dvd’s, and even complete courses, available for purchase and on display. David also enjoyed giving gifts away to many guest to their surprise and excitement. The overall energy of the convention was just awesome. I would recommend going to one of these conventions to anyone. You can find all of these resources, convention times, and even his radio show, at the Dave Ramsey website. Its address is www.daveramsey.com. He offers a real means for one to truly, get out of debt, once and for all!

 

We will end on a sober but also entertaining note. As a young person or a couple enter into the market place, let yourselves beware. Be careful about what you do especially when it comes to the area of significant financial purchases. A quick decision while looking great can land you into a world of trouble and take many years to correct.

 

Take for instance the young couple, who both had good paying jobs, were just getting married, and were beginning to run their race. They were so full of life and excitement about what was to be. As they ran, they came into a deal into which they purchased a nice shiny new red dodge Daytona. They left the showroom smiling but so were the salesman. The salesman were smiling because the couple had been saddled with a 27% interest rate which was later to be found illegal. They couple ended up putting the car up for repo, even after the wire harness had burnt out.

 

Upon hiring a lawyer who bled them at a rate of $150.00 an hour for awhile they then finally gave up and proceeded to file for bankruptcy. While appearing to find relief, they were taken advantage of, even again, by the bankruptcy lawyer himself, who was pulled off the case by the judge for his unethical practices. So be aware. This story is a true story. It is good to be out and about and be excited about life but the Devil prowls around like a roaring lion seeking upon someone whom he can destroy. 1 Peter 5:8

 

In the video above you watched a gazelle seeming to be out in life at full speed until he is abruptly stopped. This gazelle did not even have to be hunted. He just handed himself over on a dinner plate. Those creditors, I mean lions, that saw him coming a mile away.

So therefore, propel yourself like a gazelle, but use the wisdom that God gives you as you go along.

 

 

 

 

How the use of money come to be?


Less than 100 years ago the American family only needed to have one breadwinner for the family. The husband went out to work in this system while the wife stayed home and managed the house and the kids. Now, it can be difficult to make ends meet even with a 2 family income earning. Why is that?
Partly, it is considered by some to be due to a growing economy. This is where the cost of living steadily increases while the value of the American dollar shrinks. If I make $10.00 per hour today and in 5 years I am only making $10.50 per hour it will not help me much when the cost of milk rises, the cost of bread rises, and the cost of gas rises.


In this article we are going to dive into the roots of this system in a crisper clarity of how our dollar is shrinking. Yet, before we do that let’s take a look at the history of money and how it works. This will help form for us a good foundation on the articles that are to come.


Helpful links to understanding the history and the basic nature of money
.


1. Ancient currency how it started.

2. Basic history of American Money.

3. U.S. coin history

4. Early examples of paper money

5. Chronology of Money in U.S.

6. Fact sheet on In God we Trust

7. Video on how coins are made.

8. Video on how paper money is made.

9. Video on the history, money, banking, and the Federal Reserve .

10. Video on the Creation of the Stock Market

11. How World Banks gained Control (Video-Food for thought!)

12. Entire online book on the history of money.

13. The Money Masters- A very interesting read 


Now that we have accomplished a basic overview on the subject of how money came to be, and how the large banks came into being and the operations of the Federal Reserve, we are now ready to take on the next subject hurdle. That subject is how money specifically influences our lives.

 

 

The Bottom Line


Before a Doctor can even begin to think about a treatment for someone who say may have come to the emergency room in a hospital, he first has to determine, identify, and isolate, just what is wrong with the patient. That is what is called diagnosis which comes from the two words di + gnosis which basically means split and to know. In the same sense, before one can even begin to identify what are their financial ailments, one must examine just what is going on first.
Once one comes to understand what one is doing, one can begin to effect a healing action of some sort with respect to the financial domain. So before we discuss any potential financial remedies one must first identify any specifics that have to do with what’s going on in our situation.


Disclaimer:
Before we do this we would like to say that we are going to present some things to you that may be of help in your financial situation or they may be not. We are not proclaiming to be any kind of a financial guru or answer man of such. Yet, we will be exploring some things that some financial authorities have declared as helpful and we will be providing you with information along these lines. We will present these principles to you in the hopes that they may be of service to you, however, we are not responsible for any of these principles, if said principle has had an apparent untoward effect. Our purpose here is only to provide you with information that may be of benefit for you.

To begin let’s look at an average money pattern that many people do. We go to our jobs, we make some money, and we pay our bills, while we use some of our free money to do things, like going to the movies, or to a restaurant, or to a sports event, or a concert. We might even go shopping to see what we can get for ourselves to build up our life.

For instance, we might want to get a new piece of furniture, or a set of drums, or a new LCD tv, or a new computer, or a new cell phone, or a car, or just about anything that you can think of. We might have some saving going on as well which is a very healthy financial practice by the way.

These are the kinds of things that we go through on a day by day basis. We get paid, we get a little surfboard surge as we ride the tide of that money bolus for a few days and then we figure out how we are going to spend it, and budget it, until the next paycheck or money bolus arrives. Most of us do ok, yet, even though we realize it, we do not necessarily perceive how greatly we are influenced by the media on TV, radio, magazines, newspapers, and others forms of advertisement, how we should buy such and such a thing, and for what reason.

Not only are we influenced, but our kids are influenced also as they watch TV, and the advertisers really understand this well. I remember being in New York City in my 20’s and I was fortunate to get a chance to go into one of these surveys in which they were doing test on the eye, to see where the eye was going when a particular commercial was on. They actually had a means to make a connection between the pupil of the eye and the cursor on the screen as the video proceeded. So when you see commercials using pretty women or handsome men to embellish their add, know, that they know even where to place them to get the greatest effect.

Example 1, Example 2.

So while advertisers and media outlets have strategies out there to promote or influence us with the use of these products, the bottom line for them, from their perspective, is the profit. There is nothing wrong with making a business profit, you might say. This country was founded upon Capitalism and that is most certainly an accepted business behavior in this country. It is even considered a healthy business behavior. Well and good. I am all for business growth as it creates jobs and creates wealth for many as well. However, even so, we are flooded with all sorts of these different kinds of advertisements which appeal to us in the things that we need and the things that we want.

As we are living paycheck to paycheck occasionally we splurge and go out, or go to the store and finally get that TV in order to reward ourselves a bit for all of the work that we are doing. Johnny and George have their plasma TV so why can’t I have one too. I deserve it. I work hard. And so we splurge. We go out, we eat, we vacation, we do all kinds of things, which none of them are necessarily bad at all. We need the barbecue sometimes, we need the get together, and we need the vacation, yes we do. (Fun Video demonstrating this.)

Yet, as we attempt to get these things do we ever see ourselves, overstepping ourselves, financially? Do we see ourselves sometimes throwing our caution to the wind and just letting go say around Christmas time? What I am seeking to get at is that it is not wrong to desire the things we do at all in themselves. It is how we go about getting them financially and observe in ourselves just what we do when we go out and buy things.

Many of us are just taught a few basics about finances from our parents, some more than others, but overall most people are not savvy when it comes to money. We may save a little, we may have a few accounts set up, but do we really have a healthy way or approach to going about things financially? Things like, well how much money should I spend, how much should be applied to bill paying, how much toward credit, and how much toward things? What percentage of my overall income should I be applying toward my debt to have a safe income structure?

As an example of looking at things from the salesman's side of the coing, when I was a new alarm salesman, for a “Christian company”, we were taught some sales techniques that I thought were very interesting but after awhile began to gnaw at me on the inside as to what was really going on. In this company the Alarm equipment was pretty sophisticated at the time, and top of the line. The alarm people at their centers could actually hear into your house or apartment generally what was going on, which added to the secruity systmes value. There were many other features that made the product a better product, but the cost of the equipment was about $1800.00.

The strategy that was taught us, was that we were to go in and attempt to sell it between $4 and $5,000.00. Most of the time the prices that were finally settled on was about $5,000.00 or less. We were supposed to build up the product and then advance our “first offer”. This offer was made in such a way as to present a good deal, in that there was a drop from the retail price. If we could not get that then another drop might be made. The monthly payment of the alarm service was comparable to most alarm companies. The difference was in the equipment. Since the equipment was listed in the thousands, most people would have to finance, if they wanted this special kind of alarm equipment.

This in itself is a big reason why it is important to shop around and see what if you really want to purchase what you think you want to purchase. Yet, this still is not where we are going, here. What would happen then in the sale is that we would then attempt to “help” the people find a way to make it possible in that this could happen. We were helping them, help themselves, right? Please forgive me, if you do not think this was a good sales practice, as I was new to this arena, as ultimately the company did not succeed and went out of business fairly fast. Yet do we see this go on in ohter businesses? Is it wrong?


Just what is the bottom line? While even though there may be altruistic intents amongst the best of salesman, and while they really may want to help you, the truth is that salesman are like hunters at heart. On one hand, this is what makes this country so great in its entrepreneurial spirit, and competition, on the other, there are many of us shoppers out there, especially, when it comes to loans that we can fall prey too, which can cost us a great deal of money. It can also bring later financial heartache including ruin if one is not careful. We have to weigh things out wisely. Leviticus 19:36

So therefore, what we are going to do here is bring in some links and ideas that should help us get a bearing on where we stand in all of this so that we do not become like the guy in the lending tree commercial with debt up to his eyeballs. Once we look at our behaviors a little more closely, then we can perhaps help ourselves make better financial decisions down the line.

The first thing we can look at is what are the things that banks look at or consider important when one looks to get approval for a loan. The reason why this is important is that these things are what the banks look for to see into our financial picture to see if we have a healthy one or not. Let’s take a look at a few links to see what they consider as important. If they consider important than a wise steward would at least incorporate some of this wisdom into their thinker. Jesus taught in the parable about the servants and their talents, that the servant who had one talent, who had buried his money in the ground should have gone to the “bankers” or the “money exchangers”. Matthew 25:14-29, Jeremiah 32:9-11, Proverbs 11:1

So lets take a look at what the banks consider important. Again this is a two sided coin. One is the side of the entrepreneur and the other side is the customer. On one side can apply entrepreneurial principles and become very well off, and on the other as a customer we also have to become savvy as to not be taken advantage of unawares.

1. What banks look for.

2. The five C’s that banks look at when lending.

(5 c's are at bottom of article.)

3. Here is a bank advertisement

4. What is the debt income ratio, and what does it show?

5. Here is a great debt to income ratio calculator.

6. What is my FICO score and what does it mean?

a. Basic Fico #1

b. Basic Fico #2

c. Basic Fico #3

d. Basic Video on FICO

e. FICO clearly explained (video)

f. How to improve FICO score.

e. How banks determine interest rates



7. How to read your credit report.

a. Basics on reading credit report

b. Basic Tips on reading credit report

c. Credit codes on credit report explained

d. Actual Sample Credit Report

e. 11 Credit report myths



8. Tips on cleaning your credit report.

a. Consumer debt trends

b. Free Credit report for real.

c. Clean up credit tip

d. Credit repair facts


So there you have it. These are the basics of determining your health, financially. There are a few other concepts that are also of value and we will look at these in a later article. What we are doing here is offering just a few vehicles of understanding and support to get a temperature of our financial picture, and if need be, some vehicles of help to be employed for your service. As time goes on and as we may develop this article and add a few more quality links as they are found.

Here are a few tips on setting up a budget and savings plan and reduction of spending:

a. Tip 1

b. Tip 2

c. Tip 3

 






Money and Financial Security in Times of Peril

Luke 12: 15-32

15And He said to them, Guard yourselves and keep free from all covetousness (the immoderate desire for wealth, the greedy longing to have more); for a man's life does not consist in and is not derived from possessing [a]overflowing abundance or that which is [b]over and above his needs.

16Then He told them a parable, saying, The land of a rich man was fertile and yielded plentifully.

17And he considered and debated within himself, What shall I do? I have no place [in which] to gather together my harvest.

18And he said, I will do this: I will pull down my storehouses and build larger ones, and there I will store all [c]my grain or produce and my goods.

19And I will say to my soul, Soul, you have many good things laid up, [enough] for many years. Take your ease; eat, drink, and enjoy yourself merrily.

20But God said to him, You fool! This very night [d] they [the messengers of God] will demand your soul of you; and all the things that you have prepared, whose will they be?(A)

21So it is with the one who continues to lay up and hoard possessions for himself and is not rich [in his relation] to God [this is how he fares].

22And [Jesus] said to His disciples, Therefore I tell you, do not be anxious and troubled [with cares] about your life, as to what you will [have to] eat; or about your body, as to what you will [have to] wear.

23For life is more than food, and the body [more] than clothes.

24Observe and consider the ravens; for they neither sow nor reap, they have neither storehouse nor barn; and [yet] God feeds them. Of how much more worth are you than the birds!

25And which of you by being overly anxious and troubled with cares can add a [e]cubit to his stature or a moment [unit] of time to his [f]age [the length of his life]?

26If then you are not able to do such a little thing as that, why are you anxious and troubled with cares about the rest?

27Consider the lilies, how they grow. They neither [wearily] toil nor spin nor [g]weave; yet I tell you, even Solomon in all his glory (his splendor and magnificence) was not arrayed like one of these. [I Kings 10:4-7.]

28But if God so clothes the grass in the field, which is alive today, and tomorrow is thrown into the furnace, how much more will He clothe you, O you [people] of little faith?

29And you, do not seek [by meditating and reasoning to inquire into] what you are to eat and what you are to drink; nor be of anxious (troubled) mind [[h]unsettled, excited, worried, and [i]in suspense];

30For all the pagan world is [greedily] seeking these things, and your Father knows that you need them.

31Only aim at and strive for and seek His kingdom, and all these things shall be supplied to you also.

32Do not be seized with alarm and struck with fear, little flock, for it is your Father's good pleasure to give you the kingdom!

 

Golden nuggets from Solomon's mined.


Crown Ministries Prosperity Principles

BCS Alliance - Great finanncial helps website!

Dave Ramsey The bottom line

True Wealth - Sound Economic Solutions with Craig R. Smith

Stewart Crus - Godly Personal & Financial Development

New Vision Ministries - Plans for getting out of debt

Christian Debt Managers - Non-profit Christian Debt Help

Legal-Zoom.Com - Legal document preparation/Reasonable price

Opt out of Credit - Turn off the credit companies from sending you offers

Free annual Credit Report- Once per 12 months its free

Federal Trade Commission- Rights, filing of complaints, etc.

Finnancial tools - Good tools for budgets, credit, and housing

 

 




Stand up, Let God help you take this bull, by its Horns.


In the above article we have seen that while as shoppers or consumers, we are out looking for the best deal that we can get for ourselves, that is the best quality for our money, or the best bang for our buck, yet from the business, or salesman, or bankers point of view, we see they are looking for more ways to create sales. These sales can be a one time sale like a TV, computer, or a refrigerator, or they can be also contractual sale such as home improvement loans, building pools loans, laying out a deck loans, cellular phones, alarm sales, etc. These contractual sales usually involve financing as we have stated before.


From the Salesman, or entrepreneur’s point of view, these sales are a means to perhaps make a great deal of income based on the relative number of commissions that are brought in. Yes, realistically, it can be a feast or famine situation for some salesmen, but many have found the road to consistency, and have created a steady type of cash flow vehicle for themselves. Sometimes you will even hear of a someone speaking about what they call is a “cash cow”.

So from this point of view it could turn very well out for someone but sometimes the personal desire in the salesman who views this like almost like a game in seeking to make things better for themselves would have steer their potential customers into the sale whether it is really good for the customer or not. No doubt, there are plenty of salesmen with a conscience and know when to back off of the sale, but there are others out there that are really not all that concerned with the after affect that may happen 1 or 2 years down the road to the customer, especially if it is a financed sale.


What the salesman are looking at is how do I get into that bonus pool for myself, because the mother company has offered to send the best three salesman to Hawaii, and all expense, paid!!! The customer is usually not aware of any of this, but sales bonuses do occur as a reward for bringing in the bacon. This now can present a paradox kind of problem. The paradox is how far does one go to get their bonus, verses recognizing the ethics involved in not overloading someone up on their debt to income ratio. (debt/ratio wksheet)


Do you think generally that businesses that offer prizes or cookouts or vacations, etc, are seeking to create a relatively safe environment for the sale to occur, or do you think that if they can get you in, they will get you in. It would be done partly for your immediate benefit of receiving the products or services that you want at this time, and party it would be for the immediate benefit of the company and to themselves? A scenario that appears to be win-win, yes, everybody wins, scenario, but does it always turn out to be win-win.


It might appear to be win-win now, but what is the overall effect on the cash flow of the consumer. If the consumer can handle the cost, no problem, but what if they are nearing the edge of their ability to handle the payments. Who is to stop them but themselves. What if they do not know when it is time to stop. What if the consumer in general has a tendency to keep riding the wave in this credit surfing society until they are unknowingly or knowingly maxed out, to their detriment. Shouldn’t someone have seen it coming?


You would think that the salesmen and the people who finance things could tell when someone was going to far, like when someone is getting too drunk in a bar and a bartender has to take the responsibility to say, its time to stop. How do you know when to stop? According to the links above it was 37% total revolving debt, and if your between 38-41% your already in trouble. If your above 50% you are recommended to see a credit counselor.


So what really has happened here. With respect to the consumer it has to do with poor personal money management along with spending management. Yet, this poor money management had been influenced by the media somewhat in our desire to have things. Again there is nothing wrong in itself to have things, but when having those leads to putting oneself out of balance and making it very difficult for oneself, if not just impossible for oneself, to meet those financial liabilities, something has gone very wrong here.


It is as if there is a combined need and greed affect from both the entrepreneur and the consumer that leads to this out of control, spiraling down, financial fiasco that has been stewing for some time now. So what happens then?


Eventually you start to feel the pinch in that it becomes more difficult to do things financially and you feel like your tied up in a low level straight jacket. You keep paying your bills, and you are holding on, but it really begins to feel uncomfortable, as you try to pay one bill will another bills money. Eventually you start looking for avenues to some how resolve this problem before it gets worse. Thats when you see the commercial on TV about refinancing your house, and/or, getting an equity loan to help payoff some of that credit card debt. You, think to yourself, hmmmm. that might just work for me. So you then go down the road of financing short term debt with a long term loan, which may or may not completely resolve the problem, or it might aggravate the problem even further. Wait a minute!!!!

The banks are right there to start the loans, and then they’re there again to help you out in your time of need. I wonder what it would look like from their point of view. Perhaps from a business angle, we can get the original money flowing for us with an interest increase, and then if something goes wrong we can provide them with a way to refinance or do an equity loan, which then shifts their money back to us, and now we have renewed our cash cow with a greater vigor.


What happens then if even after you have tried to stop this spiral by equity loans or refinancing and it still does not stop this decay. Not, only does it slowly wear you down from all of the effort you have put into it, now you have the creditors begin to call you and call you. At your home, at your job, at different times of the day. Each and all of this adds to the collective stress. How long will this go on?


One might go down the consolidation road and find themselves with another bill to pay in the attempt to try to put the breaks on this situation. Each and every helper along the way seems to be profiting as you spiral down the hill. Many times people are trying to be very sympathetic with you as well while you are going through this financial pressure, but no one really knows what it is like unless you go thorough the suffering yourself.


Then you get to foreclosure and bankruptcy stage which are the last stops on this bungled financial bus-ride. So many are so discouraged at this point, and just want to get off the bus, but it has not stopped yet. Will there be someone there to really help you at this point or will someone else ride the tide of your financial collapse. How many marriages collapse over this subtle issue that takes a while to build before it takes its detrimental affect?


If you look in the first article on Dave Ramsey you will see the account of even at bankruptcy the lawyers themselves were taking advantage of the victims of commerce. So bad were the ethics there the judge had to ban the lawyers from practicing bankruptcy law. Yes, even at the bottom of the food chain, there may be someone else there waiting for your demise.


Now why are we speaking of all of this? Because it is time to lay the blame on the true culprit. Part of the blame of course is ourselves for allowing the situation to develop in the first place and mismanaging our financial affairs. But I am going to submit to you another source. To start with I am going to speak of a few verses in the bible and then explain it so you can see it for yourself, but now, you will see these verses, with respect to our financial affairs.


1. The first one is this John 10:10 This is where Jesus said “The thief has come here to steal, kill, and destroy, I came that they may have life and have it abundantly.”



Financial collapse does not sound very abundant does it? So now we see that we have a spiritual enemy as well that is also seeking out destruction in the area of finances. You might say well that is a pretty general statement, but now lets add a few more verses and see whether or not it is true.


2. The devil prowls around like a roaring lion seeking whom he may devour? 1 Peter 5:8


You might say, well thats kind of in general too. But what ways is the devil devouring people. Devour means to eat up greedily or ravenously. We see the different kinds of ways people are being destroyed on this earth by Satan, but one would not think there is a campaign to destroy us financially. Well lets take one more verse and see.


3. This is where Jesus was taken up on a high mountain by the devil, and he said, if you fall down and worship me to Jesus, I will give you all of these kingdoms and riches, for they are under my power! “ Now he lied to Jesus, and was trying to work his temptation on him in the flesh, to tempt him with money and power and recognition, things that many of us seek after, but Jesus was here to take back what Adam had lost in the garden. Lk 4:5-6


Yet, notice very closely, that the devil said, “For they are in my power”. At that moment in time, they were. Yet, if kingdoms and riches were in his power, then he as king of the earth or ruler of this world, was watching over this domain by his own self and his army of fallen angels or demons. Therefore since these things were in his power, then, he has filled many a man with thoughts of how to benefit financially off of someone else’s destruction. How does he do it? Money doctrines influenced by intelligent financially savvy demons. Doctrines of greed to fulfill your need.


Mathematics and formulas of investors that few have become savvy to. Einstein picked up on this when he said that “compounding interest was the best human invention ever conceived in the world”. Financial formulas which are meant to create cash flow in the direction of the bankers and the creditors as big business, or whoever stands to benefit. Those that were aware of this knowledge could benefit from the masses of those who did not.


My people are destroyed for lack of knowledge. Hosea 4:6

Is is entirely the entrepreneurs fault? I do no think so. Perhaps in some cases depending on how aware they were of what they are doing and whom they are gouging. But I really think it is a combined attack. It is an attack via the entrepreneur level, and an attack via the consumer level. It is one, brought about by the desire to succeed as the business man, and two, the desire to have by the consumer. Satan works both of these issues in a combined attack along these lines to take millions of financial hostages.


How much violence in marriage and broken hearts have occurred from this devilish and very subtle strategy. It’s up to us now to recognize what’s happening here and begin to take back our financial territory. Just like Abraham got 300 men gathered with him to go and get Lot and his wife back from the people of Sodom and Gomorrah, so too, we have to begin to stand up and take back what has been stolen from us.


Abraham did not go and cry somewhere about how he was a victim of theft, no he stood up and dealt with the thief, and got back all that was taken from him. How do we do this? The first thing is to come out of denial if you are there and face what is going on. The next is to start dealing with these problems as soon as you can so that you can put the breaks on.


Going into spiritual warfare is the first area to begin your counter-attack. Praying that God leads you and gives you wisdom in handling this financial situation. Next, would be to make sure that you learn about tithes and offerings if you have not and you will see that this is method that God has chosen for us for our benefit and increase. Next is to get to some kind of financial counseling and to identify just where you are in all of this. The links Dave Ramsey show, and Crown ministries above should provide some means to relief.


There is two things that I can say here that can be of benefit to you, but it takes some real financial discipline and teamwork amongst the family members. That is one, determining a budget, by seeing what is actually going on in the families spending habits, and then shifting some of those spending habits around to a more efficient spending pattern. If I was told to find the money in that alarm company so as to get people to spend it on those expensive alarms, then you can use the same process to find money, to reallocate in a better direction. Yet, to do that you have to write down your spending patterns.


Next, the second thing that one can do to slow this process down and bring it to a halt is to do what I call a reverse snowball technique. The same technique has been discussed under different names, but the reason why I call it the reverse snowball technique is that you are attempting to deal with this monstrosity of compounding interest that is working against you along with all those late payment fees, and get control by focusing your financial efforts on your smaller credit cards and liabilities and begin an uphill climb of paying off all of these debts.

1. Dealing with debt tip #1

2. Dealing with debt tip #2

3. Organize as you deal with debt


This should help put the breaks on in your situation for those that need it. In the following articles we are going to start showing verses from the bible on how to build up prosperity and look for ways that we can not only take back our financial life but go on the offensive and gain financial territory from the devil. Its time to put the thief back in his place. We are the head and not the tail.

 

Choice Skewers of Wisdom Fresh from the Spit  

Proverbs 3:6 

In all thy ways acknowledge him, and he will make plain thy paths.

 

Proverbs 6:1-5

 1 My son, if you become surety for your friend,
      If you have shaken hands in pledge for a stranger,
       2 You are snared by the words of your mouth;
      You are taken by the words of your mouth.
       3 So do this, my son, and deliver yourself;
      For you have come into the hand of your friend:
      Go and humble yourself;
      Plead with your friend.
       4 Give no sleep to your eyes,
      Nor slumber to your eyelids.
       5 Deliver yourself like a gazelle from the hand of the hunter,
      And like a bird from the hand of the fowler


For I the Lord your God, give you the power to obtain wealth.
Deuteronomy 8:18




 

Page in Progress, More to come…………….




Money News and Related Information (Have we gone spend crazy?)

Is the U.S. economy really in such dire straits or are the ones warning of a collapse just a bunch of naysayers trying to scare the American population? Hear it from "the man" himself-- Comptroller General David Walker, head of the Government Accounting Office--recently featured on CBS.

 

Nice News Story of Family getting out of debt