Your Financing Strategy Ask questions from your bankers which of one these will benefits you most and which one could be costly to you. You can also get free checks when you open your account, you do not need to pay for checks. All checks are processed the same way that is up to you and how you manage your money. -Savings Accounts: Custom Savings, Money Market Account Checking Accounts: Economy Checking, Express Checking, -Regular Checking, Senior Checking, Student checking -Your Debit/Visa Card to use for shopping could be free when you open your account, make sure you ask for it, at times they will ask you if you want one or not. Where you use your Debit/Visa Card to withdraw money matters to your bank, it could cost you for using it at the wrong places, ask your banker for information where you could use your card without paying extra charges... Some banks charges between $1.00 up to $3.00 if you use their card to withdraw money from another bank that they do not do business with. It is your money... Each one of the above has advantages and dis-advantages, be careful when you are opening your accounts; you could loose money to the bank right away. You also need to know if your monthly statements are going to be free or not, when you make inquiries, the bank could be charging you for too many inquiries. Some things are free from the big banks and something's are cheaper from the community banks. Basic Requirements for lending you money: · Savings and Checking Account · (2) Good Credit or No Credit it depends where you are getting the money. · (3) Collateral such as your House, Car, Boat, Gold/diamond or any valuable assets they can hold on · Driver's License, · Social Security numbers · Good Employment, at least for six months. Lenders Information: Big Bank requirements- Can be very tough to meet because they have to abide by the 'Federal Reserve Bank or Federal Deposit Insurance Corporation (FDIC)' regulations. They got their money from the Federal Reserve Bank at a lower rate, however, they could turn around and loan it to the smaller banks at a higher rate, and the smaller banks loan it at higher quote rate to the public. Community Bank requirements/Credit Union: Well, the community bank is no different either, they turn to the big banks to borrow money at a lower rate so that they can loan it to their customers/clients at a higher rate to make some profit to stay in business. Private Capital market requirement: This is where the business gets tougher. The Capital Market enterprise is a big boy on the Wall Street, where they can finance just about anything they like, because they are not being regulated by the government, it is an individual rich businessmen that have money to loan out at a higher rate. They are not required to follow financing rule rigidly as the bank does, but they still have follow the consumer law that protect all of us from being taken advantage of. Family friends requirement: This one is your best source of financing, if you could find a rich friend or family friends that can loan you money without any attachment or collateral. They may ask you to pay them some small interest, or none it all depends what you are using the money for, at they would like to get a piece of the apple when they know you are going to make a lot profit. Collateralization: There some companies out there that would loan you money to meet your emergency needs, but becareful, they may ask you to give them your house, car, motor cycle or any of your valuables for collateral just in case you were unable to pay them back, but, they are very quick to take your valuables and you may not have any re-course to take them to court for doing so. I would stay away from such financing unless you have to... There is going to be a time when we are going to need finance or re-finance our mortgages, car, motorcycle, big boat, air-planes etc., that we cannot come up with up-front lump sum money to pay for it This force us to turn to our bank, family friends, private capital market, small loan companies to loan us that money. This is where we are being taken advantage of by offering us some sort of un-affordable rates. At first you would think this a great opportunity that it will not be problem, you could afford that payment being offered to you by your lender, you better think again before you sign that dotted line. They could be collecting interest from you money for long time without any of it going to your principle. Pay attention to dotted Line and Small print in the loan documents: The loan documents can be very tricky to read when you are not an attorney, the small fine prints areas are very important areas to pay attention to, because this is where they hid rates, timeline, and warrante, but if you don't pay attention to the rates they quote or offer to you in the loan document that you are going to sign you could be losing a lot of money. You probably better off to take to your attorney before you sign the dotted line. In the fine print of the loan documents is where they hid most important information that your lender did not want you to know about, especially mortgage and credit card documents. It sounds strange, but it is true, If you don't believe what I said here in this document, go to your loan documents and read the small prints in there you may find out something that you would not like to see or hear about, or if don't believe what I said here, ask yourself a question of why didn't they just print the whole loan documents in a readable format with nice fonts that an average third grader can read and understand it without having to scratch their head or look up words in the webster dictionary for interpretation of words, after all you are the consumer paying them for this services and they will be collecting interest from your financing for such a long time. 95% of mortgage homeowner never gets to the point of paying principle or their mortgage finance off before being taken away from them, but the bank or private investor already started to benefit. Yes, I understand they took the risk to finance us. I think what is fair is fair, they should make the loan documents more readable for us, and there should be no small prints that is had to read on any loan documents. They should be in a readable format that average Joe can understand; my question all the years was why are they making it so complicated to read if they do not have anything to hide? I also think the loan documents should not have so many pages when we are talking about saving the threes... Not too many consumers read all these pages, it has no value to have so many pages when no one really reads it, of course the attorney will not be making money if they these document could be reduced to minimum. My solution to this big fat loan documents should be to reduce them to minimum, all it should it be contain is, who own the house, the rate, how long is going to be paid, warranty, borrower's and co-borrower, and all other very valuable information it should not be more than 10 pages long.
» » Personaliti Diri Berdasarkan Warna Kegemaran!

Personaliti Diri Berdasarkan Warna Kegemaran!

















Faith for Finances: Sowing and REAPING! We are in our series, Faith for Finances and today we are talking about sowing and reaping. Our scripture references are Genesis 26:1-6, 12-14 and Mark 4:14-20: Genesis 26:1-6 And there was a famine in the land, beside the first famine that was in the days of Abraham. And Isaac went unto Abimelech king of the Philistines unto Gerar. And the Lord appeared unto him, and said, Go not down into Egypt; dwell in the land which I shall tell thee of: Sojourn in this land, and I will be with thee, and will bless thee; for unto thee, and unto thy seed, I will give all these countries, and I will perform the oath which I sware unto Abraham thy father; And I will make thy seed to multiply as the stars of heaven, and will give unto thy seed all these countries; and in thy seed shall all the nations of the earth be blessed; Because that Abraham obeyed my voice, and kept my charge, my commandments, my statutes, and my laws. And Isaac dwelt in Gerar. Genesis 26:12-14 Then Isaac sowed in that land, and received in the same year a hundredfold: and the Lord blessed him. And the man waxed great, and went forward, and grew until he became very great: For he had possession of flocks, and possession of herds, and great store of servants: and the Philistines envied him. Mark 4:14-20 The sower soweth the word. And these are they by the way side, where the word is sown; but when they have heard, Satan cometh immediately, and taketh away the word that was sown in their hearts. And these are they likewise which are sown on stony ground; who, when they have heard the word, immediately receive it with gladness; And have no root in themselves, and so endure but for a time: afterward, when affliction or persecution ariseth for the word's sake, immediately they are offended. And these are they which are sown among thorns; such as hear the word, and the cares of this world, and the deceitfulness of riches, and the lusts of other things entering in, choke the word, and it becometh unfruitful. And these are they which are sown on good ground; such as hear the word, and receive it, and bring forth fruit, some thirtyfold, some sixty, and some a hundred. I wanted to talk mainly today about the reaping side of sowing and reaping. A lot of us sleep on the reaping aspect and then get discouraged from sowing in the first place. The offering period is not a time we look forward to in church and we don't want to send anything to any ministries either. We get discouraged about our own lack. We get discouraged that the manifestation of the blessing hasn't happened for us. The real issue is that we don't look at sowing and reaping as we should. We think sowing and reaping is a magical kind of thing. We feel like, if I put this money in church, everything in my life is going to be wonderful in the next moment. A lot of times when we sow, we're hyped up, we're in an emotional state, and we're excited. I'm not saying that any of that is bad. In fact, the excitement is good; our faith is stirred in that moment. However, the problem is that we don't stop to think about how to actually live this thing out. This is not just true of sowing and reaping, but it's true of everything in church. We get excited while we're there on Sunday, but then Monday rolls around, life shows back up, and the thrill is gone. (Sing, B.B.) What we have to do is reproduce that thrill in our everyday lives. The Word has to become flesh in our lives. No farmer plants seed and then goes home and forgets about it. He tends his crop and when the harvest is ready, he goes in and reaps it. Did you just stop with the planting of the seed? If so, insects and animals are going to come in and make that crop theirs. The Enemy will come as we see in the book of Mark. The devil comes immediately to steal the Word that was sown into our hearts and to discourage us and to make us think it was a lie. So, we have to have some standing power after church is over. When we come out of the church setting, we gotta do it. We gotta stay with it, we gotta believe that it is true and we gotta stand guard against the Enemy. We gotta stand there flat-footed and say, "I'm not moving until I see it come to pass!" You gotta get serious about this thing. If you want to flow, if you want to live in the blessing, then you're gonna have to stand on the Word. You have to take God's Word as being true and when the Enemy comes in with everything that he has, you have to stand. We stand by continuing to speak the Word over our situation, pray prayers of thanksgiving and sing songs of praise. In other words, we recreate, as much as possible, the atmosphere that we sowed into. Then we go to church and conferences, etc., to charge our faith and strengthen us to reap our blessing. The behind the scenes side (spiritual side) of reaping involves running off the adversary, God getting things aligned with whoever else is involved in your blessing and you getting instructions on how to actually receive the blessing in the natural. This behind-the-scenes spiritual warfare is not much unlike the farmer tending the crop, keeping away the insects, animals and weeds, etc., and making sure everything else is in place for the crop to come in and of course, having the wisdom (instructions) on how to actually harvest the crop. Oh, wouldn't it be so nice to just sow a seed and forget about it? Unfortunately, it doesn't work that way. You have to see it through. If you're determined to see it through, you'll reap. You'll reap if you faint not. (See Galatians 6:9) Sow in famine? In Genesis 26, we are looking at Isaac's life. The thing that is key is that Isaac obeyed God. God instructed Isaac to not go into Egypt, but to stay put. It would have made sense to go to Egypt because it was in a better economic position. The land where God told Isaac to dwell was in a famine. However, Egypt is a type of the world. So, in essence, God told him, "Don't go to the world and get the world's way of doing things. Stay with me and do what I tell you to do." Isaac did just that and he was blessed tremendously. He sowed in the land where God told him to stay and he received a hundredfold return. Additionally, he lived a great life and not only survived, but thrived. This is God's will for us, too. We've been in a time of famine with the Recession and its aftermath. However, we're not limited by those things that limit the world. We're not bound by the things that bind the world. The world doesn't dictate how we live. We're Christians. So, whatever the season is, we live well. Why? Because we are seeking first the Kingdom of God and we are obeying him. Because we're on the Lord's side, we're on the winning side. However, if we get off of his side and start doing what we see our neighbors do, then we're gonna get what we see our neighbors get. We don't want that. I know you want to be friends with your neighbors; you want to fit in. You don't want to stick out like a sore thumb and be talked about by them. However, look at what they have and ask yourself, "Is that what I want? Do I want a day filled with strife? Do I want a life without peace? Do I want to not be able to pay my bills?" Is that what you want? I'm sure it isn't. Stay on the Lord's side and allow those neighbors to see how well you live and then they'll want to come over to the Lord's side. It'll be a witness unto them. When they start asking you how you do it, you can tell them, the Lord did this; God did this for me. Then they can go to God and be blessed, also. Eventually, the Philistines had to call Isaac blessed and acknowledge his God. They envied him and did things to hurt him, but eventually called him blessed. You're making an investment in YOU Let's talk about the reaping side. To reap, you have to use your faith, you have to speak the Word, and you have to do practical things. People think that sowing is like losing something. They think, "I'm giving this money and I'll never see it again." You don't want to ever think about it like that. You always want to think about it as making an investment. Of course, make it into good ground. A lot of times we think, "I don't want to give the preacher my money," because you feel like they're going to be a crook. There are some crooks out there; don't give your money to the crooks! Let God show you where to sow. If you seek God and obey Him, He'll tell you where to sow. The whole key again is obeying Him and doing what He says. Yes, you will want to put your money into good ground; you don't want to waste your seed. So, you trust the Spirit of God, even when it doesn't make sense. Even if you think they could be crooked, but you know God is telling you to sow there, obey God. (Kind of like when Isaac sowed in a famine.) God knows something that you don't know and He will work it out for you. However, if you know beyond the shadow of a doubt that it's crooked - you saw the pastor get handcuffed and taken downtown - then you know what's going on. Don't put your money into bad ground. Just always obey God and don't go on what you think may be going on, because in that case you'll always talk yourself out of sowing. I remember when God first start dealing with me about sowing. It was the early 90's and I didn't know anything about sowing and reaping. I grew up in a church where we just gave a dollar in the main offering. Before the main offering, we had the Benevolence Offering, which we referred to as the "penny offering," because people just put pennies and other coins in it. After the penny offering, we marched around the front of the church and put a dollar on the table. When God started dealing with me about sowing, He told me to give $100. I was taken aback. I thought, "What?!" Actually, He told me to take $100 and sow into five different ministries. So it was only $20 for each ministry; however, that was still a big jump from a dollar! I really thought, "This can't be God talking to me. I must be making this up." As I stated in the last blog, I'm more of a saver than a spender. So, after God told me to sow, I looked at my checking account balance and I didn't have enough left over to sow $100 after I'd paid my bills. So, I thought, "Whew! That was just me, it wasn't God." (Really, Trish? You? For real?... ) Then I heard Him say, "You have it in your savings." Whoa. Before I knew it, I was speaking with my grandparents' Louisiana Creole accent and I exclaimed, "Mais, non! Mais, that's my money, wuh!" (Loosely translated: Oh, no! Don't you know that's my money?!) I couldn't shake that it was the voice of God, so I went ahead and sent the offerings. The very next day, I got a check for $700! It was a tax refund check; however, I was not expecting it to come as early as it did. So, I definitely didn't miss the $100 that I took from my savings and I had instant increase! Most importantly, God showed me what He could do through my obedience. I was so happy! He also blessed me with more than money and that blessing is something that I'm still benefitting from today. One of the ministries he instructed me to give to was Kenneth Copeland Ministries. After I gave to them, they put me on their mailing list and started sending the "Believers' Voice of Victory Magazine." However, all of this was unbeknownst to me. The magazine arrived one day out of the blue. I just so happened to be teaching "The Coming of the Holy Spirit" to my Sunday School Class. I always read other materials to supplement the Teacher's Guide. In the magazine, there was an article by Gloria Copeland, entitled, "Why Tongues?" The night before the magazine came, I read a minibook by Kenneth Hagin entitled, "How to Receive the Holy Spirit." When I read it, I thought, "WHAT does this have to do with the coming of the Holy Spirit?!" Then here comes Sis. Copeland's article, "Why Tongues?" Long story short, I caught on that God was "dealing with me again." Although, I didn't dare teach "tongues" to my Sunday School Class (I did later), I did receive the Baptism of the Holy Spirit before the end of the weekend. My whole life's trajectory changed in that moment. So, the whole while God was "worrying me" about sowing, he was just trying to bless my ignorant self! Obey God. We're going to stop here and in next month's blog, we'll talk more about reaping, so that you can get your harvest in. I have several scriptures for you that will call it forth! I would be remiss if I taught on sowing and reaping and didn't give you an opportunity to sow. Listen to God's instructions about sowing into this ministry and obey Him. This ministry is good ground. Everything done here is to help you and others live successfully, based on the principles found in God's Word. Some people don't realize that having a successful life and living for God can co-exist. However, Jesus came to save us AND give us life abundantly. (See John 10:10) So, listen to God and sow your seed by clicking below. Thank you for your support that keeps this ministry coming to you and others in need around the world.




Share on Facebook
Share on Twitter
Share on Google+
Share on LinkedIn
close
==[ Klik disini 2X ] [ Close ]==