tag:blogger.com,1999:blog-4943334735854773462024-03-13T07:38:38.526-05:00EagleSoaringHigherA blog on Personal Finance and various thoughts on life...Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.comBlogger139125tag:blogger.com,1999:blog-494333473585477346.post-10707194463247906782015-07-14T21:54:00.000-05:002015-07-14T21:56:05.566-05:00138. We have moved! Check out EagleSoaringHigher.com<div class="separator" style="clear: both; text-align: center;">
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-51425021413903000342015-06-09T17:46:00.000-05:002015-06-09T17:46:14.464-05:00137. Free Breakfast and Dinner Chick-Fil-A all of June 2015!!<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-nA6LUzPBwa4/VXdJdLBeZCI/AAAAAAAACj8/L0B8EQZbxJA/s1600/image1.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="http://4.bp.blogspot.com/-nA6LUzPBwa4/VXdJdLBeZCI/AAAAAAAACj8/L0B8EQZbxJA/s320/image1.JPG" width="239" /></a></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;">There’s
always good deals out there. You just need to look for them and know people who
are looking too. Here’s what we found this week! <br />
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Monday twelve (12) people ate at Chick-Fil-A for a total of $15.02. One family
of 4 had a bill of $5.94. Another had only $2.26. We had the high bill at $6.82
as I caved in to get our son a bit of apple juice. <br />
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FREE breakfast and dinner in June 2015! Offer valid only at Chick-fil-A
Montgomery Plaza and Chick-fil-A Heights Corner. Addresses are below:<o:p></o:p></span></span></div>
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Chick-Fil-A Montgomery Plaza<o:p></o:p></span></span></span></div>
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<span style="mso-bookmark: _MailAutoSig;"><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt;">549
Carroll St, Fort Worth, TX 76107<br />
<nobr>(817) 332-7111</nobr><br />
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</span></span><span style="mso-bookmark: _MailAutoSig;"><span style="font-size: 12pt;"><span style="font-family: Calibri;">Chick-fil-A Heights Corner</span></span></span><span style="mso-bookmark: _MailAutoSig;"><span style="color: #222222; font-family: "Arial","sans-serif"; font-size: 12pt;"><br />
3200 Hulen St, Fort Worth, TX 76107<br />
<nobr>(817) 737-4904</nobr></span></span><span style="mso-bookmark: _MailAutoSig;"><span style="font-size: 12pt;"><br /><span style="font-family: Calibri;">
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Breakfast is served 7am to 10am – choices include CFA Chicken Biscuit, Sausage,
Bacon, or Plain Biscuit. Add Cheese and eggs for 80 cents plus tax. <br />
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Dinner is served 5pm to 8pm – choices include original CFA Chicken Sandwich or
CFA 8 count Nuggets. (Grilled products not included)<br />
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Thanks to the Rathbun’s and Spark’s for contributing to this post. <br />
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What good deals are in your area? Leave a comment! </span></span></span><span style="mso-bookmark: _MailAutoSig;"><span style="font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-theme-font: minor-fareast; mso-no-proof: yes;"><o:p></o:p></span></span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-28805689409806924482015-05-20T15:38:00.000-05:002015-05-20T15:49:01.978-05:00136. Notes on Stewardship<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-nsFzR352mtE/VVqTyt9qkgI/AAAAAAAACjE/vurRnCMv5uU/s1600/head-stewardship.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="147" src="http://2.bp.blogspot.com/-nsFzR352mtE/VVqTyt9qkgI/AAAAAAAACjE/vurRnCMv5uU/s320/head-stewardship.jpg" width="320" /></a></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">These are notes From April 26, 2015 from a Stewardship class offered at our church. I thought this was great material and figured I'd share! Comments in the { } are my thoughts. <o:p></o:p></span><br />
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">Our church operates under the
Biblical truth that everything was created by God and therefore belongs to God.
Stewardship is the managing of resources… At SRC we are simply managers of
God’s resources.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">1. God owns everything<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. The World. – Exodus 19:5, Psalm
24:1-2<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. God owns us. – Deut. 32:6, Ez.
18:4, Rom 14:8, 1 Chron. 29:14<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">c. Everything we possess. -
Psalm 50:10, Haggai 2:8, Deut. 8:18<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">d. We are accountable for our
stewardship. – Luke 19:11-27, Rom 14:12, 1 Peter 4:5<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">{We’re to engage in God’s business
until our master returns!}<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">2. Examples of Stewards<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. The faithful steward – Luke
12:35-38<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. The unfaithful steward – Luke
16:1-8<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">3. Giving {generously & sacrificially} {Note: This
one was giving the tithe originally}<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. Old Testament teaching was the
tithe – Lev. 27:30-32, 2 Chron. 3:15; Mal. 3:8-10<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. New Testament teaching –
generosity, maturity, & joy are factors in giving. <o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">4. Giving – the heart factor. – 2
Cor. 9:7, Luke 12:34<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">5. Attitudes in giving<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. Without pretense – Matt. 23:23,
Matt. 6:1-2<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. Self-sacrifice – living on less
enables us to give more. – Matt. 19:21, Heb. 13:16<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">c. Give cheerfully – 2 Cor. 9:7<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">6. Results of Christian giving. 2
Cor. 9:11-13<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. Helping people in need. - Gal
2:10, Heb. 13:16, Gal 6:10<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. Helping Christians in need. –
Rom 15:26, 1 Cor. 16:1-2<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">c. Supporting full-time ministers –
1 Cor. 9:13-14, 1 Tim. 5:17-18<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">d. Supporting missionaries – Phil.
4:15-16<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">7. Wisdom with finances<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. Dedicate everything you possess
to God.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. Use wisdom in your spending. <o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">c. Remain debt free as much as
possible. – Rom. 13:8<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">8. Keys to financial success<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">a. Remember God owns it all<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">b. Set long term goals – Prov. 16:9<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">c. Establish a reserve – Prov.
6:6-8<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">d. Avoid the use of debt – Prov.
22:7<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">e. Spend less than you make or
earn. – Prov. 13:11<o:p></o:p></span><br />
{f. Give generously and sacrificially!}</div>
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<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;">Stewardship goal: Honor God! To
grow closer to the Lord make a difference for His Kingdom through a lifestyle
of generous giving. Let’s do it!</span><o:p></o:p><br />
<span style="color: #1a1a1a; font-family: Calibri; font-size: 15.0pt; mso-bidi-font-family: Calibri;"><br /></span>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-45150890760585068962015-05-18T20:39:00.004-05:002015-05-20T17:52:44.168-05:00135. Prosperity Vs Poverty “gospels”<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-yfF9KO6aiNs/VVJI6QTOoUI/AAAAAAAACh4/VMI6TUDp-mg/s1600/Prosperity%26Povertygospels.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="276" src="http://3.bp.blogspot.com/-yfF9KO6aiNs/VVJI6QTOoUI/AAAAAAAACh4/VMI6TUDp-mg/s400/Prosperity%26Povertygospels.jpg" width="400" /></a></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 13pt;"><span style="font-family: Calibri;"><br />
<br />
<span class="text"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">Remove far from me falsehood and lying;</i></b></span></span><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><br /><span style="font-family: Calibri;">
<span class="indent-1-breaks"> </span><span class="text">give
me neither poverty nor riches;</span><br />
<span class="indent-1-breaks"> </span><span class="text">feed
me with the food that is needful for me. – Proverbs 30:8</span></span></i><span style="color: #333333; mso-bidi-font-weight: bold;"><br /><span style="font-family: Calibri;">
<br />
<strong><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Deception in Extremes</span></strong></span></span></b><span style="color: #333333; mso-bidi-font-weight: bold;"><br /><span style="font-family: Calibri;">
<span style="font-family: "Calibri","sans-serif"; font-weight: normal; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-weight: bold; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">The
difference between truth and error is often extremes. Those extremes can be at
either end of the spectrum. Jesus was tempted by Satan in Matthew 3 and 4. Each
of the three temptations mentioned were perversions of the truth. In fact,
Satan quoted Scripture and applied it out of context to an extreme. Jesus
countered with further Scripture to correct and rebuke Satan.</span></span><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;"> </span><b><br /><span style="font-family: Calibri;">
</span></b></span><span style="color: #333333;"><br /><span style="font-family: Calibri;">
<b style="mso-bidi-font-weight: normal;">Distortions of the Truth</b><br />
People have taken God’s words as found in the Bible and distorted them to suit
their own desires and purposes. In Acts and Galatians it was Judaizes who
wanted to impose Jewish law on Gentiles. In the middle ages (and even in some
cases today) it was errant teachings on the concept of purgatory, praying to
saints, earning salvation through good works, and the religious institutions
selling items for healing and salvation. <br />
</span></span><br /><br /><span style="font-family: Calibri;">
<span class="text"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">A false balance is an abomination to the </i></b></span><span class="small-caps"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-variant: small-caps;">Lord</span></i></b></span><span class="text"><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">,</i></b></span></span><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><br /><span style="font-family: Calibri;">
<span class="indent-1-breaks"> </span><span class="text">but
a just weight is his delight. – Proverbs 11:1</span></span></i></b><o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="font-size: 13pt;"><br /></span></b>
<b style="mso-bidi-font-weight: normal;"><span style="font-size: 13pt;"><br /><span style="font-family: Calibri;"><em>
</em><span style="color: #333333;"><span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;">The Balance, Jesus, the Bible, & The Holy Spirit</b></span></span></span></span></b></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 13pt;"><span style="font-family: Calibri;">But I digress. The topic of this post is
the Prosperity versus the Poverty “gospels”. Truth can only be found in the
person of Jesus Christ. ( for example Col. 2:3) Truth can only be found in
God’s words – the Bible. The Holy Spirit is the Teacher of truth as called by
Jesus. (for example John 14:17, 15:26, John 16:13, 1 John 4:6)<br />
<br />
I realize there’s a vast array of ideologies in Christendom today. Not everyone
will have a consistent career. Not everyone will be a home owner. Not everyone
will face serious tragedy. Not everyone will face serious medical challenges.
But let’s take a moment to look at these two ideas: poverty & prosperity. <br />
<br />
<span style="color: #333333;"><span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;">The Poverty "gospel" (Also known as the<span style="color: black;"> </span><span style="color: blue;"><a href="https://www.biblegateway.com/resources/commentaries/IVP-NT/Col/Error-Ascetic-Piety" target="_blank">Ascetic Piety</a></span>) </b></span></span><br />
Prior to the 1940’s and 1950’s it seems there was a “poverty mentality” that
was prevalent in the Church. This was due in part to centuries of teachings and
preaching on “money being the root of all evil”. Ministers of the Gospel,
pastors, and priests were encouraged to take a “vow of poverty”. The truth is
that “<b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;">the LOVE of money is at the root of all kinds of evil</i></b>”. (See
for example 1 Tim. 6:10)<br />
<br />
It was time for a pendulum swing in the opposite direction as well. Enter the
prosperity gospel...<br />
<br />
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333;"><span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;">The Prosperity "gospel" (Also known as the <a href="http://www.watchman.org/articles/other-religious-topics/how-the-health-and-wealth-gospel-twists-scripture/" target="_blank">Health and Wealth</a> "gospel")</b></span></span></b><br />
So there came a movement from the 1960’s to the 2000’s (and still prevalent
among some today) of charismatic neo-Pentecostal preachers, televangelists,
that taught it was God’s desire to bless and prosper His people both physically
and financially. <br />
<br />
Let me be perfectly clear here. The prosperity gospel is no gospel at all. It’s
a false balance of the truth found in the Bible. <br />
<br />
<strong><span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">A Warning About Money </span></span></strong></span></span><br />
<span style="font-size: 13pt;"><span class="woj"><span style="font-family: Calibri;">It is not possible to be obsessed about God and money. One will
be your love. The other you will hate. Remember that money is a means to an end
and not the end itself. </span><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><br /><span style="font-family: Calibri;">
<br />
No servant can serve two masters, for either he will hate the one and love the
other, or he will be devoted to the one and despise the other. You cannot serve
God and money.”</span></i></b></span><b style="mso-bidi-font-weight: normal;"><i style="mso-bidi-font-style: normal;"><span style="font-family: Calibri;"> – Luke 16:13</span></i></b><span style="color: #333333;"><br /><span style="font-family: Calibri;">
<br />
<strong><span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">God's Mission </span></span></strong></span></span></span></div>
<span style="font-size: 13pt;">
<span style="font-family: Calibri;"></span></span>
<br />
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<span style="font-size: 13pt;"><span style="font-family: Calibri;">Above all I believe God wishes for His Name to be known, rescue the
nations by the power of the death & resurrection of Jesus Christ, reconcile
all wrongs, recover what was lost in the fall, restore creation to its
perfectly created purpose, and the redemptive Gospel to be proclaimed. God
doesn’t want to simply prosper us financially as some in the prosperity gospel
camp would lead you to believe. God also doesn’t command all who believe in
Jesus to be dirt poor. God is all about love, grace, compassion, mercy,
justice, and long-suffering. God is about His mission – Building His Church and
restoring those who would believe to Himself. </span></span><br />
<span style="font-size: 13pt;"><span style="font-family: Calibri;"><br /></span></span></div>
<span style="font-size: 13pt;"><span style="font-family: Calibri;">
</span></span>
<br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 13pt;"><span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">Honoring God & Gifts from God </span></span></b></span></span></div>
<span style="font-size: 13pt;"><span style="font-family: Calibri;">
</span></span>
<br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 13pt;"><span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-size: 13pt;"></span></b><span style="color: #333333;">God is honored when Believers serve Him faithfully.
God does give good gifts to His children.</span></span></span></div>
<span style="font-size: 13pt;"><span style="font-family: Calibri;">
</span></span>
<br />
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</div>
<span style="font-size: 13pt;">
</span>
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<span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">"If you then, being
evil, know how to give good gifts to your children, how much more shall your
heavenly Father give what is good to those who ask Him" (Mat. 7:11).</span></span><span style="font-size: 13pt;"><br /><span style="font-family: Calibri;">
<br />
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">Trying to Find a Balance </span></span></b><br />
So where do we land on this subject? <span style="color: #333333;">Paul summed it
up well by saying: <o:p></o:p></span></span></span><br />
<span style="font-size: 13pt;"><span style="font-family: Calibri;"><span style="color: #333333;"><br /></span></span></span></div>
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</div>
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<span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-size: 13pt;">“</span></b><span class="woj"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 13pt;">If you then, who are evil, know how to give good gifts
to your children, how much more will your Father who is in heaven give good
things to those who ask him!</span></b></span><b style="mso-bidi-font-weight: normal;"><span style="font-size: 13pt;">” <i style="mso-bidi-font-style: normal;">–
Matthew 7:11</i></span></b><span style="color: #333333; font-size: 13pt;"><o:p></o:p></span></span><br />
<span style="font-family: Calibri;"><b style="mso-bidi-font-weight: normal;"><span style="font-size: 13pt;"><i style="mso-bidi-font-style: normal;"><br /></i></span></b></span></div>
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</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">I think the balance is
we’re to strive to work hard, glorify God by serving Him faithfully, and that
God promises to supply our needs. <o:p></o:p></span></span><br />
<span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;"><br /></span></span></div>
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</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;">What are needs in my opinion?<o:p></o:p></span></span></b></div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="color: #333333;"><span style="font-family: Calibri;"><span style="font-size: 13pt;">So before closing I think
we need to try to define needs. Notice Paul didn’t say a 1 million dollar
mansion, clothes that cost a small fortune, or the $100,000 dollar car. I would
say “needs” would include basic shelter, transportation, clothing, and food. </span></span></span><br />
<span style="color: #333333;"><span style="font-family: Calibri;"><span style="font-size: 13pt;"><br /></span></span></span>
<span style="color: #333333;"><span style="font-family: Calibri;"><span style="font-size: 13pt;">Not every Christian will be wealthy in the U.S.A. Not every Christian will be
below the poverty limit in the U.S.A. Also many people in other cultures may not have the </span><span style="font-size: 17px;">same "needs" as those in the West.</span></span></span><br />
<div style="line-height: normal;">
<span style="color: #333333; font-size: 13pt;"><span style="font-family: Calibri;"><br /></span></span></div>
</div>
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</div>
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<span style="font-family: Calibri;"><span style="color: #333333; font-size: 13pt;">However, we I hope we can
all agree we want to be good stewards of what blessings God does give us. <br />
<br />
What are your thoughts on the prosperity and poverty “gospels”? Leave a
comment! </span></span><br />
<span style="font-family: Calibri;"><span style="color: #333333; font-size: 13pt;"><br /></span></span>
<br />
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-74278855689691696182015-05-16T18:14:00.000-05:002015-05-16T18:15:14.013-05:00134. 100 Encouraging Bible Verses<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-1b34dyC3kcM/VVfNrU6toxI/AAAAAAAACig/pmASxslYByY/s1600/bible-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="241" src="http://2.bp.blogspot.com/-1b34dyC3kcM/VVfNrU6toxI/AAAAAAAACig/pmASxslYByY/s400/bible-1.jpg" width="400" /></a></div>
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<span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><br /></span></div>
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<span style="font-family: Georgia; font-size: 14pt;">The Word of God is full of encouraging verses
that give us hope and strength for every situation we’re in. Whether
you’ve found yourself struggling with your relationships, laid off from a job, struggling
with work, struggling with family or friends, nervous about an upcoming test,
or even a project presentation at work, I’d encourage you to turn to these
encouraging Bible verses.</span><br />
<span style="font-family: Georgia; font-size: 14pt;"><br /></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;">There are over 100 listed here, so I’m sure you
can read through one that resonates with your situation! </span><br />
<span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;">I’d encourage
you to bookmark this page or save these verses somewhere where you can quickly
reference them when you need encouragement.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #0c0c0c; font-family: Georgia; font-size: 22.0pt; mso-bidi-font-family: Georgia; mso-bidi-font-size: 14.0pt;">My 20 Absolute
Favorite Encouraging Bible Verses </span></b><span style="font-family: Georgia; font-size: 22.0pt; mso-bidi-font-family: Helvetica; mso-bidi-font-size: 14.0pt;"><o:p></o:p></span></div>
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<span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">As I read through each of these
verses, I pulled twenty encouraging scriptures that really stood out to me as
inspiring. Here they are in order of where they are in the Bible. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 23:4</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Even though I walk through the darkest valley, I will
fear no evil, for you are with me; your rod and your staff, they comfort me. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 34:8</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Taste and see that the LORD is good; blessed is the one
who takes refuge in him. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 34:19 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The righteous person may have many troubles, but the LORD
delivers him from them all; </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 37:4</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Take delight in the LORD, and he will give you the
desires of your heart. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 55:22 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Cast your cares on the LORD and he will sustain you; he will
never let the righteous be shaken. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 90:17</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> May the favor of the Lord our God rest on us; establish the
work of our hands for us—yes, establish the work of our hands. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 103:2-6 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Praise the LORD, my soul, and forget not all his benefits— who
forgives all your sins and heals all your diseases, who redeems your life from
the pit and crowns you with love and compassion, who satisfies your desires
with good things so that your youth is renewed like the eagle’s. The LORD works
righteousness and justice for all the oppressed. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:105 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Your word is a lamp for my feet, a light on my path. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 121:1-2</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I lift up my eyes to the mountains—where does my help
come from? My help comes from the LORD, the Maker of heaven and earth. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
<div class="MsoNormal" style="margin-bottom: 13.0pt; mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 3:5-6</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Trust in the LORD with all your heart and lean not on your own
understanding; in all your ways submit to him, and he will make your paths
straight. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 16:3 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Commit to the LORD whatever you do, and he will establish
your plans. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 18:10</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The name of the LORD is a fortified tower; the
righteous run to it and are safe. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 40:31</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> but those who hope in the LORD will renew their
strength. They will soar on wings like eagles; they will run and not grow
weary, they will walk and not be faint. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Jeremiah 29:11 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For I know the plans I have for you,” declares the LORD, “plans
to prosper you and not to harm you, plans to give you hope and a future. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Matthew 11:28</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Come to me, all you who are weary and burdened, and I
will give you rest. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 8:28</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> And we know that in all things God works for the good of those
who love him who have been called according to his purpose. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Philippians 4:6-7</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Do not be anxious about anything, but in every situation, by
prayer and petition, with thanksgiving, present your requests to God. And the
peace of God, which transcends all understanding, will guard your hearts and
your minds in Christ Jesus. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 2:18</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Because he himself suffered when he was tempted, he is
able to help those who are being tempted. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 Peter 5:7</span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Cast all your anxiety on him because he cares for you. </span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 John 4:4 </span></b><span style="color: #525252; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> You, dear children, are from God and have overcome them,
because the one who is in you is greater than the one who is in the world.</span><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<b><span style="color: #0e0e0e; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br />
</span></b><b><span style="color: #0e0e0e; font-family: Georgia; font-size: 22.0pt; mso-bidi-font-family: Georgia; mso-bidi-font-size: 14.0pt;">Over 100 Encouraging
Verses in the Bible</span></b><span style="font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><o:p></o:p></span></div>
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<span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br />
Here’s the complete list of verses I found that can really bring strength and
encouragement when you’re feeling overwhelmed or stressed. Hope you enjoy! <o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br />
</span></b><b><span style="color: #0e0e0e; font-family: Georgia; font-size: 22.0pt; mso-bidi-font-family: Georgia; mso-bidi-font-size: 14.0pt;">Encouraging
Verses in the Old Testament</span></b><b><span style="color: #0e0e0e; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><o:p></o:p></span></b></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br />
Deuteronomy 7:9</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Know therefore that the LORD
your God is God; he is the faithful God, keeping his covenant of love to a
thousand generations of those who love him and keep his commandments.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Deuteronomy 31:6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Be strong and courageous. Do not be afraid or terrified
because of them, for the LORD your God goes with you; he will never leave you
nor forsake you.”<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Deuteronomy 31:8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD himself goes before you and will be with you; he
will never leave you nor forsake you. Do not be afraid; do not be discouraged.”<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Joshua 1:9</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Have I not commanded you? Be strong and courageous. Do
not be terrified; do not be discouraged, for the LORD your God will be with you
wherever you go.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Joshua 10:25</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Joshua said to them, “Do not be afraid; do not be
discouraged. Be strong and courageous. This is what the LORD will do to all the
enemies you are going to fight.”<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 9:9</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD is a refuge for the oppressed, a stronghold in
times of trouble.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 16:8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I keep my eyes always on the LORD. With him at my
right hand, I will not be shaken.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 23:4 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Even though I walk through the darkest valley, I will fear no
evil, for you are with me; your rod and your staff, they comfort me.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 27:4 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> One thing I ask from the LORD, this only do I seek: that I may
dwell in the house of the LORD all the days of my life, to gaze on the beauty
of the LORD and to seek him in his temple.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 27:14</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Wait for the LORD; be strong and take heart and wait for
the LORD.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 30:6-7 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> When I felt secure, I said, “I will never be shaken.” LORD,
when you favored me, you made my royal mountain stand firm; but when you hid
your face, I was dismayed.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 31:3</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Since you are my rock and my fortress, for the sake of
your name lead and guide me.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 32:8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I will instruct you and teach you in the way you should
go; I will counsel you with my loving eye on you.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 34:8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Taste and see that the LORD is good; blessed is the one
who takes refuge in him.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 34:19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The righteous person may have many troubles, but the LORD
delivers him from them all;<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 34:22</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD will rescue his servants; no one who takes
refuge in him will be condemned.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 37:4</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Take delight in the LORD, and he will give you the
desires of your heart.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 42:5-6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Why, my soul, are you downcast? Why so
disturbed within me? Put your hope in God, for I will yet praise him, my Savior
and my God. My soul is downcast within me; therefore I will remember you from
the land of the Jordan, the heights of Hermon—from Mount Mizar.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 46:1-3</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> God is our refuge and strength, an ever-present help in
trouble. Therefore we will not fear, though the earth give way and the
mountains fall into the heart of the sea, though its waters roar and foam and
the mountains quake with their surging.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 55:22</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Cast your cares on the LORD and he will sustain you; he
will never let the righteous be shaken.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 62:6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Truly he is my rock and my salvation; he is my fortress,
I will not be shaken.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 90:17</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> May the favor of the Lord our God rest on us; establish the
work of our hands for us—yes, establish the work of our hands.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 103:2-6 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Praise the LORD, my soul, and forget not all his benefits— who
forgives all your sins and heals all your diseases, who redeems your life from
the pit and crowns you with love and compassion, who satisfies your desires
with good things so that your youth is renewed like the eagle’s. The LORD works
righteousness and justice for all the oppressed.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 118:14</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD is my strength and my defense; he has become my
salvation.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:105</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Your word is a lamp for my feet, a light on my path.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:114-115</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> You are my refuge and my shield; I have put my hope in
your word. Away from me, you evildoers, that I may keep the commands of my God!<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:25</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I am laid low in the dust; preserve my life according to
your word.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:50</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> My comfort in my suffering is this: Your promise
preserves my life.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 119:71</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> It was good for me to be afflicted so that I might learn
your decrees.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 120:1</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I call on the LORD in my distress, and he answers
me.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 121:1-2</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I lift up my eyes to the mountains—where does my help
come from? My help comes from the LORD, the Maker of heaven and earth.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 121:7-8 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD will keep you from all harm— he will watch over your
life; the LORD will watch over your coming and going both now and forevermore.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Psalm 145:18-19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD is near to all who call on him, to all who
call on him in truth. He fulfills the desires of those who fear him; he
hears their cry and saves them.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 2:7 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> He holds success in store for the upright, he is a shield
to those whose walk is blameless,<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 3:5-6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Trust in the LORD with all your heart and lean not on your own
understanding; in all your ways submit to him, and he will make your paths
straight.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 11:25 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> A generous person will prosper; whoever refreshes others will
be refreshed.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 16:3</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Commit to the LORD whatever you do, and he will
establish your plans.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 17:17 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> A friend loves at all times, and a brother is born for a time
of adversity.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Proverbs 18:10</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The name of the LORD is a fortified tower; the
righteous run to it and are safe.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 26:3</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> You will keep in perfect peace those whose minds are
steadfast, because they trust in you.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 30:19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> People of Zion, who live in Jerusalem, you will weep no
more. How gracious he will be when you cry for help! As soon as he hears, he
will answer you.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 41:13 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For I am the LORD your God who takes hold of your right hand
and says to you, Do not fear; I will help you.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 40:31</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> but those who hope in the LORD will renew their
strength. They will soar on wings like eagles; they will run and not grow
weary, they will walk and not be faint.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 41:10</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> So do not fear, for I am with you; do not be dismayed,
for I am your God. I will strengthen you and help you; I will uphold you with
my righteous right hand.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 43:1</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But now, this is what the LORD says— he who created you,
O Jacob, he who formed you, O Israel: “Fear not, for I have redeemed you; I
have summoned you by name; you are mine.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 54:17</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> no weapon forged against you will prevail, and you will
refute every tongue that accuses you. This is the heritage of the servants of
the LORD, and this is their vindication from me,” declares the LORD.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Isaiah 58:11</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD will guide you always; he will satisfy your
needs in a sun-scorched land and will strengthen your frame. You will be like a
well-watered garden, like a spring whose waters never fail.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Lamentations 3:25</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD is good to those whose hope is in him, to the one
who seeks him;<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Jeremiah 29:11</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For I know the plans I have for you,” declares the LORD,
“plans to prosper you and not to harm you, plans to give you hope and a future.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Nahum 1:7</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD is good, a refuge in times of trouble. He cares
for those who trust in him,<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Zephaniah 3:17</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The LORD your God is with you, the Mighty Warrior who
saves. He will take great delight in you; in his love he will no longer rebuke
you, but will rejoice over you with singing.”<br style="mso-special-character: line-break;" />
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<!--[endif]--><o:p></o:p></span></div>
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<b><span style="color: #0e0e0e; font-family: Georgia; font-size: 22.0pt; mso-bidi-font-family: Georgia; mso-bidi-font-size: 14.0pt;">Encouraging
Verses in the New Testament</span></b><b><span style="color: #0e0e0e; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br style="mso-special-character: line-break;" />
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<!--[endif]--><o:p></o:p></span></b></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Matthew 6:25-26</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Therefore I tell you, do not worry about your life, what
you will eat or drink; or about your body, what you will wear. Is not life more
than food, and the body more than clothes? <sup>26</sup> Look at the birds of
the air; they do not sow or reap or store away in barns, and yet your heavenly
Father feeds them. Are you not much more valuable than they?<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Matthew 6:33</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But seek first his kingdom and his righteousness, and all
these things will be given to you as well.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Matthew 7:7-8 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Ask and it
will be given to you; seek and you will find; knock and the door will be opened
to you. <sup>8</sup> For everyone who asks receives; the one who seeks finds;
and to the one who knocks, the door will be opened.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Matthew 11:28</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Come to me, all you who are weary and burdened, and I
will give you rest.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Luke 10:19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I have given you authority to trample on snakes and
scorpions and to overcome all the power of the enemy; nothing will harm you.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Luke 11:9-10</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> So I say to you: Ask and it will be given to you; seek
and you will find; knock and the door will be opened to you. For everyone who
asks receives; the one who seeks finds; and to the one who knocks, the door
will be opened.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 3:16 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For God so loved the world that he gave his one and only Son,
that whoever believes in him shall not perish but have eternal life.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 6:47 </span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Very truly I tell you, the one who believes has eternal life.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 14:27</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Peace I leave with you; my peace I give you. I do not
give to you as the world gives. Do not let your hearts be troubled and do not
be afraid.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 15:4</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Remain in me, as I also remain in you. No branch can bear
fruit by itself; it must remain in the vine. Neither can you bear fruit unless
you remain in me.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 15:13</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Greater love has no one than this: to lay down one’s life
for one’s friends.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">John 16:33</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> I have told you these things, so that in me you may have
peace. In this world you will have trouble. But take heart! I have overcome the
world.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Ephesians 3:20-21</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Now to him who is able to do immeasurably more than all
we ask or imagine, according to his power that is at work within us, to him be
glory in the church and in Christ Jesus throughout all generations, for ever
and ever! Amen.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Philippians 4:8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Finally, brothers and sisters, whatever is true, whatever
is noble, whatever is right, whatever is pure, whatever is lovely, whatever is
admirable—if anything is excellent or praiseworthy—think about such things.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 Corinthians 10:13</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> No temptation has overtaken you except what is common to
mankind. And God is faithful; he will not let you be tempted beyond what you
can bear. But when you are tempted, he will also provide a way out so that you
can endure it.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 Corinthians 15:57</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But thanks be to God! He gives us the victory through our Lord
Jesus Christ.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 Corinthians 16:13</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Be on your guard; stand firm in the faith; be courageous; be
strong.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Corinthians 2:14</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Now thanks be to God who always leads us in triumph in Christ.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Corinthians 4:8-9</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> We are hard pressed on every side, but not crushed; perplexed,
but not in despair; persecuted, but not abandoned; struck down, but not
destroyed.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Corinthians 4:16-18</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Therefore we do not lose heart. Though outwardly we are wasting
away, yet inwardly we are being renewed day by day. For our light and momentary
troubles are achieving for us an eternal glory that far outweighs them all. So
we fix our eyes not on what is seen, but on what is unseen, since what is seen
is temporary, but what is unseen is eternal.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Corinthians 5:7</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For we live by faith, not by sight.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Corinthians 5:17</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Therefore, if anyone is in Christ, the new creation has come:
The old has gone, the new is here!<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 8:6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The mind governed by the flesh is death, but the mind governed
by the Spirit is life and peace.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 8:28</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> And we know that in all things God works for the good of those
who love him who have been called according to his purpose.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 8:31</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> What, then, shall we say in response to these things? If God is
for us, who can be against us?<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 8:38-39</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For I am convinced that neither death nor life, neither angels
nor demons, neither the present nor the future, nor any powers, neither height
nor depth, nor anything else in all creation, will be able to separate us from
the love of God that is in Christ Jesus our Lord.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Romans 15:4</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For everything that was written in the past was written to
teach us, so that through the endurance taught in the Scriptures and the
encouragement they provide we might have hope.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Ephesians 3:17-19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> so that Christ may dwell in your hearts through faith. And I
pray that you, being rooted and established in love, may have power, together
with all the Lord’s holy people, to grasp how wide and long and high and deep
is the love of Christ, and to know this love that surpasses knowledge—that you
may be filled to the measure of all the fullness of God.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Ephesians 3:20-21</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Now to him who is able to do immeasurably more than all we ask
or imagine, according to his power that is at work within us, to him be glory
in the church and in Christ Jesus throughout all generations, for ever and
ever! Amen.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Ephesians 6:10-11</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Finally, be strong in the Lord and in his mighty power. Put on
the full armor of God, so that you can take your stand against the devil’s
schemes.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Philippians 3:7-9</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But whatever were gains to me I now consider loss for the sake
of Christ. What is more, I consider everything a loss because of the surpassing
worth of knowing Christ Jesus my Lord, for whose sake I have lost all things. I
consider them garbage, that I may gain Christ and be found in him, not having a
righteousness of my own that comes from the law, but that which is through
faith in Christ—the righteousness that comes from God on the basis of faith.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Philippians 4:6-7</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Do not be anxious about anything, but in every situation, by
prayer and petition, with thanksgiving, present your requests to God. And the
peace of God, which transcends all understanding, will guard your hearts and
your minds in Christ Jesus.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Philippians 4:19</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> And my God will meet all your needs according to the riches of
his glory in Christ Jesus.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Colossians 3:15</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Let the peace of Christ rule in your hearts, since as members
of one body you were called to peace. And be thankful.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Thessalonians 3:3</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But the Lord is faithful, and he will strengthen and
protect you from the evil one.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Timothy 1:7</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For the Spirit God gave us does not make us timid, but gives us
power, love and self-discipline.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Timothy 3:16-17</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> All Scripture is God-breathed and is useful for teaching,
rebuking, correcting and training in righteousness, so that the servant of God
may be thoroughly equipped for every good work.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">2 Timothy 4:18</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> The Lord will rescue me from every evil attack and will bring
me safely to his heavenly kingdom. To him be glory for ever and ever. Amen.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 2:18</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Because he himself suffered when he was tempted, he is
able to help those who are being tempted.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 3:6</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> But Christ is faithful as the Son over God’s house. And we are
his house, if indeed we hold firmly to our confidence and the hope in which we
glory.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 4:12</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> For the word of God is alive and active. Sharper than any
double-edged sword, it penetrates even to dividing soul and spirit, joints and
marrow; it judges the thoughts and attitudes of the heart.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 10:19-23</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Therefore, brothers and sisters, since we have confidence to
enter the Most Holy Place by the blood of Jesus, by a new and living way opened
for us through the curtain, that is, his body, <sup>21</sup> and since we have
a great priest over the house of God, let us draw near to God with a sincere
heart and with the full assurance that faith brings, having our hearts
sprinkled to cleanse us from a guilty conscience and having our bodies washed
with pure water. Let us hold unswervingly to the hope we profess, for he who
promised is faithful.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Hebrews 13:5</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Keep your lives free from the love of money and be content with
what you have, because God has said, “Never will I leave you; never will
I forsake you.”<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">James 1:2-4</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Consider it pure joy, my brothers and sisters, whenever you
face trials of many kinds, because you know that the testing of your faith
produces perseverance. Let perseverance finish its work so that you may be
mature and complete, not lacking anything.<o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">James 1:12-15</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Blessed is the man who perseveres under trial, because when he
has stood the test, he will receive the crown of life that God has promised to
those who love him. When tempted, no one should say, “God is tempting me.” For
God cannot be tempted by evil, nor does he tempt anyone; but each one is
tempted when, by his own evil desire, he is dragged away and enticed. Then,
after desire has conceived, it gives birth to sin; and sin, when it is
full-grown, gives birth to death.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">James 4:7-8</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Submit yourselves, then, to God. Resist the devil, and he will
flee from you. Come near to God and he will come near to you. Wash your hands,
you sinners, and purify your hearts, you double-minded.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 Peter 5:7</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> Cast all your anxiety on him because he cares for you.<o:p></o:p></span></div>
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<br /></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 John 4:4</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> You, dear children, are from God and have overcome them,
because the one who is in you is greater than the one who is in the world.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 John 4:18</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> There is no fear in love. But perfect love drives out fear,
because fear has to do with punishment. The one who fears is not made perfect
in love.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">1 John 5:14-15</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> This is the confidence we have in approaching God: that if we
ask anything according to his will, he hears us. And if we know that he hears
us—whatever we ask—we know that we have what we asked of him.<o:p></o:p></span></div>
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<b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Revelation 14:12</span></b><span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"> This calls for patient endurance on the part of the people of
God who keep his commands and remain faithful to Jesus.</span><span style="font-family: Georgia; font-size: 14.0pt;"><o:p></o:p></span><br />
<span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br /></span>
<span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;">Have another one to add to this list? Leave a comment!</span><br />
<span style="color: #656565; font-family: Georgia; font-size: 14.0pt; mso-bidi-font-family: Georgia;"><br /></span>
<br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<br /></div>
<div class="MsoNormal" style="font-size: 12px;">
<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-75129903742250722692015-05-12T12:54:00.001-05:002015-05-16T18:11:36.098-05:00133. 250 Bible Verses About Money<span style="color: black;">
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<a href="http://4.bp.blogspot.com/-QAo_WDy2YHs/VVI98ZMtM6I/AAAAAAAACho/4ybZiiBdVvI/s1600/250-bible-verses-about-money.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="color: black;"><img border="0" height="213" src="http://4.bp.blogspot.com/-QAo_WDy2YHs/VVI98ZMtM6I/AAAAAAAACho/4ybZiiBdVvI/s320/250-bible-verses-about-money.jpg" width="320" /></span></a></div>
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<span style="font-size: 12pt;"><span style="color: black; font-family: Calibri;">Disclaimer: This is an on-going list
of Biblical passages relating to money. This is of course not all the Bible has
to say about money. These are simply verses I’ve found helpful through
self-study and research. A majority of these passages are from the NASB or the
ESV. If you’d like to add any to a topic please comment below! Thank you! <br />
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Topics by Alphabetical Order</span></b></span></div>
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<span style="font-size: 12pt;"><b style="mso-bidi-font-weight: normal;"><span style="font-family: Calibri;"><br /><span style="color: black;">
</span></span></b><span style="font-family: Calibri;"><span style="color: black;">Budgeting<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Conducting Business<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Contentment<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Debt<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Get Rich Quick<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Giving<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Investing<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Lending<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Love of Money<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Planning<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Provision<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Prospering<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Receiving<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Saving<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="color: black; font-family: Calibri;">Stewardship</span></span></div>
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Waste<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Work<o:p></o:p></span></span></span></div>
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<span style="font-size: 12pt;"><span style="font-family: Calibri;"><span style="color: black;">Worry<o:p></o:p></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Budgeting<o:p></o:p></span></span></u></b></div>
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<span style="color: #333333; font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
21:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">The
thoughts of the diligent tend only to plenty; but the thoughts of everyone who
is hasty only to poverty. <o:p></o:p></span></span></div>
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<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><o:p><span style="color: black; font-family: Times New Roman; font-size: small;"></span></o:p></span><br /></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 22:3</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">A
prudent one foresees the evil and hides himself, but the simple pass on and are
punished. <o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 24:3-4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Through
wisdom a house is built, and by understanding it is established; and by
knowledge the rooms shall be filled with all precious and pleasant riches. <o:p></o:p></span></span></div>
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</span><br />
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 25:28</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He
who has no rule over his own spirit is like a broken down city without a wall. <o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 27:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">A
prudent man sees evil and hides himself, the naive proceed and pay the penalty.
<o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke 14:28-30</span></span></strong><b><span style="color: #333333; font-size: 14pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span></b><span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt;">For which of you,
intending to build a tower, does not sit down first and count the cost, whether
he may have enough to finish it; lest perhaps, after he has laid the foundation
and is not able to finish, all those seeing begin to mock him, saying, This man
began to build and was not able to finish.<br style="mso-special-character: line-break;" />
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<!--[endif]--></span><span style="color: #333333; font-size: 12pt;"><o:p></o:p></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="font-family: Calibri;"><span style="color: black;">Conducting Business<o:p></o:p></span></span></span></u></b></div>
<span style="color: black;">
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Leviticus
19:13</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">You shall not oppress your neighbor, nor rob him.
The wages of a hired man are not to remain with you all night until morning.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
25:13-15</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">You shall not have in your bag differing weights, a
large and a small. You shall not have in your house differing measures, a large and a small. You shall have a full and just weight;
you shall have a full and just measure, that your days may be prolonged in the
land which the LORD your God gives you.<o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Job
31:13-14</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">“If I have despised the claim of my male or female
slaves when they filed a complaint against me, what then could I do when God
arises? And when He calls me to account, what will I answer Him?” <o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
112:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">It is well with the man who deals generously and
lends, who conducts his affairs with justice. <o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
10:4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Poor is he who works with a negligent hand, but the
hand of the diligent makes rich.<o:p></o:p></span></span></div>
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<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
11:1</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">A false balance is an abomination to the LORD, but a
just weight is His delight. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
13:4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">The soul of the sluggard craves and gets nothing,
but the soul of the diligent is made fat. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
13:11</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Wealth obtained by fraud dwindles, but the one who
gathers by labor increases it.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><o:p><span style="color: black; font-family: Times New Roman; font-size: small;"></span></o:p></span><br /></div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
16:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Better is a little with righteousness than great income
with injustice. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
22:16</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He who oppresses the poor to make more for himself
or who gives to the rich, will only come to poverty. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Jeremiah
22:13</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Woe to him who builds his house without
righteousness and his upper rooms without justice, who uses his neighbor’s
services without pay and does not give him his wages.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Malachi
3:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Then I will draw near to you for judgment; and I
will be a swift witness against the sorcerers and against the adulterers and
against those who swear falsely, and against those who oppress the wage earner
in his wages, the widow and the orphan, and those who turn aside the alien and
do not fear Me, says the LORD of hosts. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke
16:10</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He who is faithful in a very little thing is
faithful also in much; and he who is unrighteous in a very little thing is
unrighteous also in much.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Ephesians
6:9</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And masters, do the same things to them, and give up
threatening, knowing that both their Master and yours is in heaven, and there
is no partiality with Him. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Colossians
4:1</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Masters, grant to your slaves justice and fairness,
knowing that you too have a Master in heaven. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Timothy 5:18</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">For the Scripture says, “Do not muzzle the ox while
it is treading out the grain,” and “The worker deserves his wages.” <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">James
5:4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Look! The wages you failed to pay the workmen who
mowed your fields are crying out against you. The cries of the harvesters have
reached the ears of the Lord Almighty.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
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</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="color: black; font-family: Calibri;">Contentment</span></span></u></b><span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
<br />
</span></span><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Psalm
23:1</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
The Lord is my shepherd, I shall not want.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Ecclesiastes
5:10</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Whoever loves money never has money enough; whoever loves wealth is never
satisfied with his income. This too is meaningless. <o:p></o:p></span></span></span></div>
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><o:p><span style="color: black; font-size: small;"></span></o:p></span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Matthew
6:31-33</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
“Do not worry then, saying, ‘What will we eat?’ or ‘What will we drink?’ or
‘What will we wear for clothing?’ “For the Gentiles eagerly seek all these
things; for your heavenly Father knows that you need all these things. “But
seek first His kingdom and His righteousness, and all these things will be
added to you. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke
3:14</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Some soldiers were questioning him, saying, “And what about us, what shall we
do?” And he said to them, “Do not take money from anyone by force, or accuse
anyone falsely, and be content with your wages.” <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Philippians
4:11-13</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
For I have learned to be content, whatever the circumstances may be. I know now
how to live when things are difficult and I know how to live when things are
prosperous. In general and in particular I have learned the secret of eating
well or going hungry of facing either plenty of poverty. I am ready for
anything through the strength of the One who lives within me.<br />
</span><b></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><b><br /><span style="color: black; font-family: Calibri;">
1 Thessalonians 4:11 </span></b><br /><span style="color: black; font-family: Calibri;">
And to make it your ambition to lead a quiet life and attend to your own
business and work with your hands, just as we commanded you…</span></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1
Timothy 6:6</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
But godliness actually is a means of great gain when accompanied by
contentment. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1
Timothy 6:7-10</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
For we brought nothing into the world, and we can take nothing out of it. But
if we have food and clothing, we will be content with that. People who want to
get rich fall into temptation and a trap and into many foolish and harmful
desires that plunge men into ruin and destruction. For the love of money is a
root of all kinds of evil. Some people, eager for money, have wandered from the
faith and pierced themselves with many griefs. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Hebrews
13:5</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Keep your life free from the love of money, and be content with what you have.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">James
4:1-3</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
What is the source of quarrels and conflicts among you? Is not the source your
pleasures that wage war in your members? You lust and do not have; so you
commit murder. You are envious and cannot obtain; so you fight and quarrel. You
do not have because you do not ask. You ask and do not receive, because you ask
with wrong motives, so that you may spend it on your pleasures.<o:p></o:p></span></span></span></div>
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<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Co-Signing (Surety)</span></span></b><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
<br />
</span></span></b><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 6:1-2</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">My son, if you have become surety for your neighbor,
have given a pledge for a stranger, if you have been snared with the words of
your mouth, have been caught with the words of your mouth, then do this, my
son, to free yourself, since you have fallen into your neighbor’s hands: Go and
humble yourself; press your plea with your neighbor! <o:p></o:p></span></span></div>
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</span><br />
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<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
11:15</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He who is guarantor for a stranger will surely
suffer for it, but he who hates being a guarantor is secure. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
17:18</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">A man lacking in sense pledges and becomes guarantor
in the presence of his neighbor. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
22:26-27</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Do not be among those who give pledges, among those
who become guarantors for debts. If you have nothing with which to pay, why
should he take your bed from under you? <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
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</div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
27:13</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Take his garment when he becomes surety for a
stranger; and for an adulterous woman hold him in pledge.<o:p></o:p></span></span></div>
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</span><br />
<div style="margin-bottom: 0pt;">
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<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span><span style="color: black;"><strong><u><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;">Debt</span></u></strong><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 12pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></strong></span></div>
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</span><br />
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 12pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></strong><span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Exodus 22:14<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">If a
man borrows anything from his neighbor, and it is injured or dies while its owner
is not with it, he shall make full restitution.<o:p></o:p></span></span></span></div>
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</div>
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Deuteronomy
15:6<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For the
Lord your God will bless you as He has promised you, and you will lend to many
nations, but you will not borrow; and you will rule over many nations, but they
will not rule over you. <o:p></o:p></span></span></span></div>
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</div>
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Deuteronomy
28:12<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The
Lord will open for you His good storehouse, the heavens, to give rain to your
land in its season and to bless all the work of your hand; and you shall lend
to many nations, but you shall not borrow. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
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</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">2 Kings
4:7<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Then
she came and told the man of God. And he said, “Go, sell the oil and pay your
debt, and you and your sons can live on the rest.”<o:p></o:p></span></span></span></div>
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Psalm
37:21<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The
wicked borrows and does not pay back, but the righteous is gracious and gives. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
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</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
22:7<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The
rich rules over the poor, and the borrower becomes the lender’s slave. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
22:26-27<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Do not
be a man who strikes hands in pledge or puts up security for debts; if you lack
the means to pay, your very bed will be snatched from under you.<o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
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</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ecclesiastes
5:5<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">It is
better that you should not vow than that you should vow and not pay. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
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</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Romans
13:8<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Owe
nothing to anyone except to love one another; for he who loves his neighbor has
fulfilled the law.<o:p></o:p></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="font-family: Calibri;"><span style="color: black;">Get Rich Quick <o:p></o:p></span></span></span></u></b></div>
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<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Exodus
23:12</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
Six days do your work, but on the seventh day do not work, so that your ox and
your donkey may rest and the slave born in your household, and the alien as
well, may be refreshed. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
12:11</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
He who tills his land will have plenty of bread, but he who pursues worthless
things lacks sense. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
13:11 </span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
Wealth obtained by fraud dwindles, but the one who gathers by labor increases
it.</span></span></div>
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
13:11</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
Dishonest money dwindles away, but he who gathers money little by little makes
it grow. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
14:15</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
The naïve believes everything, but the sensible man considers his steps. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
19:2</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
Also it is not good for a person to be without knowledge, and he who hurries
his footsteps errs. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
21:5</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
The plans of the diligent lead surely to advantage, but everyone who is hasty
comes surely to poverty. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
23:4</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
Do not weary yourself to gain wealth, cease from your consideration of it. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
28:19-20</span></span></strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
He who tills his land will have plenty of food, but he who follows empty
pursuits will have poverty in plenty. A faithful man will abound with
blessings, but he who makes haste to be rich will not go unpunished.<o:p></o:p></span></span></div>
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<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span><span style="font-family: Calibri;"><span style="color: black;"><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 18pt; mso-bidi-font-size: 12.0pt;">Giving</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 12pt;"><o:p></o:p></span></u></b></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Deuteronomy
15:10</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Give generously to him and do so without a grudging heart; then because of this
the Lord your God will bless you in all your work and in everything you put
your hand to.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Deuteronomy
16:17<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Every
man shall give as he is able, according to the blessing of the LORD your God
which He has given you.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
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</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1
Chronicles 29:9</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Then the people rejoiced because they had offered so willingly, for they made
their offering to the Lord with a whole heart, and King David also rejoiced
greatly.<o:p></o:p></span></span></span></div>
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</span><br />
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</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
3:9-10</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
Honor the Lord from your wealth and from the first of all your produce; So your
barns will be filled with plenty and your vats will overflow with new wine.<br />
</span></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"></span><b><br /><span style="color: black; font-family: Calibri;">
Proverbs 3:27 </span></b><br /><span style="font-family: Calibri;"><span style="color: black;">
Do not withhold good from those to whom it is due, when it is in your power to
do it. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
11:24-25</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
There is one who scatters, and yet increases all the more, and there is one who
withholds what is justly due, and yet it results only in want. The generous man
will be prosperous, and he who waters will himself be watered. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
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</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
21:26</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
…the righteous gives and does not hold back.<o:p></o:p></span></span></span></div>
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</span><br />
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</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
22:9</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
He who is generous will be blessed, for he gives some of his food to the poor.<br />
</span><b></b></span></div>
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<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><b><br /><span style="color: black; font-family: Calibri;">
Proverbs 28:27 </span></b><br /><span style="font-family: Calibri;"><span style="color: black;">
He who gives to the poor will never want, but he who shuts his eyes will have
many curses.<o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Matthew
6:3-4</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
But when you give to the poor, do not let your left hand know what your right
hand is doing, so that your giving will be in secret; and your Father who sees
what is done in secret will reward you. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Mark
12:41-44</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
And He sat down opposite the treasury, and began observing how the people were
putting money into the treasury; and many rich people were putting in large
sums. A poor widow came and put in two small copper coins, which amount to a
cent. Calling His disciples to Him, He said to them, “Truly I say to you, this
poor widow put in more than all the contributors to the treasury; for they all
put in out of their surplus, but she, out of her poverty, put in all she owned,
all she had to live on.”<o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Luke
3:11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">And he
would answer and say to them, “The man who has two tunics is to share with him
who has none; and he who has food is to do likewise.” <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke
6:30</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Give to everyone who asks of you, and whoever takes away what is yours, do not
demand it back. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke
6:38</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Give, and it will be given to you. They will pour into your lap a good measure,
pressed down, shaken together, and running over. For by your standard of
measure it will be measured to you in return. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
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</div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Acts
20:35</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
In everything I showed you that by working hard in this manner you must help
the weak and remember the words of the Lord Jesus, that He Himself said, ‘It’s
more blessed to give than to receive.’<br />
</span></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><br /><span style="color: black;">
</span></span><span style="font-family: Calibri;"><span style="color: black;"><b>Romans 12:8<br />
</b>…Or he who exhorts, in his exhortation; he who gives, with liberality; he
who leads, with diligence; he who shows mercy, with cheerfulness.<o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">2
Corinthians 9:6-8</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Now this I say, he who sows sparingly will also reap sparingly, and he who sows
bountifully will also reap bountifully. Each one must do just as he has
purposed in his heart, not grudgingly or under compulsion, for God loves a
cheerful giver. And God is able to make all grace abound to you, so that always
having all sufficiency in everything, you may have an abundance for every good
deed. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">2
Corinthians 9:10</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Now He who supplies seed to the sower and bread for food will supply and
multiply your seed for sowing and increase the harvest of your righteousness; <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Galatians
6:7</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Do not be deceived, God is not mocked; for whatever a man sows, this he will
also reap. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
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</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Philippians
4:15-17</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
And you yourselves also know, Philippians, that at the first preaching of the
gospel, after I departed from Macedonia, no church shared with me in the matter
of giving and receiving but you alone; for even in Thessalonica you send a gift
more than once for my needs. Not that I seek the gift itself, but I seek for
the profit which increases to your account. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">James
2:15-16</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
If a brother or sister is without clothing and in need of daily food, and one
of you says to them, “Go in peace, be warmed and be filled,” and yet you do not
give them what is necessary for their body, what use is that?<o:p></o:p></span></span></span></div>
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</span><br />
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="color: black; font-family: Calibri;">Investing</span></span></u></b><span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
<br />
</span></span><span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
15:22<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Without
consultation, plans are frustrated, but with many counselors they succeed.<o:p></o:p></span></span></span></div>
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</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
24:27<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Prepare
your work outside and make it ready for yourself in the field; afterwards,
then, build your house. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
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</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
28:20<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">A
faithful man will abound with blessings, but he who makes haste to be rich will
not go unpunished. <o:p></o:p></span></span></span></div>
<br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
13:11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Wealth
obtained by fraud dwindles, but the one who gathers by labor increases it. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
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</span><br />
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</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Proverbs
19:2<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Also it
is not good for a person to be without knowledge, and he who hurries his
footsteps errs.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
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</div>
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ecclesiastes
11:2<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Divide
your portion to seven, or even to eight, for you do not know what misfortune
may occur on the earth. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
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<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Matthew
25:14-30<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">“For it
is just like a man about to go on a journey, who called his own slaves and
entrusted his possessions to them. To one he gave five talents, to another,
two, and to another, one, each according to his own ability; and he went on his
journey. Immediately the one who had received the five talents went and traded
with them, and gained five more talents. In the same manner the one who had
received the two talents gained two more. But he who received the one talent
went away, and dug a hole in the ground and hid his master’s money. Now after a
long time the master of those slaves came and settled accounts with them. The
one who had received the five talents came up and brought five more talents,
saying, ‘Master, you entrusted five talents to me. See, I have gained five more
talents.’ His master said to him, ‘Well done, good and faithful slave You were
faithful with a few things, I will put you in charge of many things; enter into
the joy of your master.’ Also the one who had received the two talents came up
and said, ‘Master, you entrusted two talents to me. See, I have gained two more
talents.’ His master said to him, ‘Well done, good and faithful slave. You were
faithful with a few things, I will put you in charge of many things; enter into
the joy of your master.’ And the one also who had received the one talent came
up and said, ‘Master, I knew you to be a hard man, reaping where you did not
sow and gathering where you scattered no seed. And I was afraid, and went away
and hid your talent in the ground. See, you have what is yours.’ But his master
answered and said to him, ‘You wicked, lazy slave, you knew that I reap where I
did not sow and gather where I scattered no seed. ‘Then you ought to have put
my money in the bank, and on my arrival I would have received my money back
with interest. Therefore take away the talent from him, and give it to the one
who has the ten talents.’ For to everyone who has, more shall be given, and he
will have an abundance; but from the one who does not have, even what he does
have shall be taken away. Throw out the worthless slave into the outer
darkness; in that place there will be weeping and gnashing of teeth.<o:p></o:p></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="color: black; font-family: Calibri;">Love of Money</span></span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12pt;"><br style="mso-special-character: line-break;" /><span style="color: black; font-family: Calibri;">
<!--[if !supportLineBreakNewLine]--><br style="mso-special-character: line-break;" />
</span></span></u></b></div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
19:21-26</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Jesus said to him, “If you wish to be complete, go
and sell your possessions and give to the poor, and you will have treasure in
heaven; and come, follow Me.” But when the young man heard this statement, he
went away grieving; for he was one who owned much property. And Jesus said to
His disciples, “Truly I say to you, it is hard for a rich man to enter the
kingdom of heaven. “Again I say to you, it is easier for a camel to go through
the eye of a needle, than for a rich man to enter the kingdom of God.” When the
disciples heard this, they were very astonished and said, “Then who can be
saved?” And looking at them Jesus said to them, “With people this is
impossible, but with God all things are possible.”<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Mark
4:19</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">But the worries of the world, and the deceitfulness
of riches, and the desires for other things enter in and choke the word, and it
becomes unfruitful. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Mark
8:36</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">For what does it profit a man to gain the whole
world, and forfeit his soul? <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Timothy 6:9-11</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">But those who want to get rich fall into temptation
and a snare and many foolish and harmful desires which plunge men into ruin and
destruction. For the love of money is a root of all sorts of evil, and some by
longing for it have wandered away from the faith and pierced themselves with
many griefs. But flee from these things, you man of God, and pursue
righteousness, godliness, faith, love, perseverance and gentleness. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">James
5:1-6</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Come now, you rich, weep and howl for your miseries
which are coming upon you. Your riches have rotted and your garments have
become moth-eaten. Your gold and your silver have rusted; and their rust will
be a witness against you and will consume your flesh like fire. It is in the
last days that you have stored up your treasure! Behold, the pay of the
laborers who mowed your fields, and which has been withheld by you, cries out
against you; and the outcry of those who did the harvesting has reached the
ears of the Lord of Sabbath. You have lived luxuriously on the earth and led a
life of wanton pleasure; you have fattened your hearts in a day of slaughter.
You have condemned and put to death the righteous man; he does not resist you.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
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<span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
<br />
</span></span><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="color: black; font-family: Calibri;">Lending</span></span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12pt;"><br style="mso-special-character: line-break;" /><span style="color: black; font-family: Calibri;">
<!--[if !supportLineBreakNewLine]--><br style="mso-special-character: line-break;" />
</span></span></u></b></div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
15:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">But you shall freely open your hand to him, and
shall generously lend him sufficient for his need in whatever he lacks.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><o:p><span style="color: black; font-family: Times New Roman; font-size: small;"></span></o:p></span><br /></div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
23:19-20</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">You shall not charge interest to your countrymen:
interest on money, food, or anything that may be loaned at interest. You may
charge interest to a foreigner, but to your countrymen you shall not charge
interest, so that the Lord your God may bless you in all that you undertake in
the land which you are about to enter to possess. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
24:10</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">When you make your neighbor a loan of any sort, you
shall not enter his house to take his pledge.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
3:27-28</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Do not withhold good from those to whom it is due,
when it is in your power to do it. Do not say to your neighbor, “Go, and come
back, and tomorrow I will give it,” when you have it with you. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
15:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He does not put out his money at interest, nor does
he take a bribe against the innocent. He who does these things will never be
shaken. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
37:26</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">All day long he is gracious and lends, and his
descendants are a blessing. <o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
112:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">It is well with the man who is gracious and lends;
he will maintain his cause in judgment.<o:p></o:p></span></span></div>
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<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
28:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">He who increases his wealth by interest and usury
gathers it for him who is gracious to the poor.<o:p></o:p></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Planning<o:p></o:p></span></span></u></b></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Genesis
41:34-36</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Let Pharaoh take action to appoint overseers in charge of the land, and let him
exact a fifth of the produce of the land of Egypt in the seven years of
abundance. “Then let them gather all the food of these good years that are
coming, and store up the grain for food in the cities under Pharaoh’s
authority, and let them guard it. “Let the food become as a reserve for the
land for the seven years of famine which will occur in the land of Egypt, so
that the land will not perish during the famine.<o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
6:6-8</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Go to the ant, o sluggard, observe her ways and be wise, which, having no
chief, officer or ruler, prepares her food in the summer and gathers her
provision in the harvest.<o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
13:16</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
A wise man thinks ahead; a fool doesn’t, and even brags about it! <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
13:19</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
Desire realized is sweet to the soul, but it is an abomination to fools to turn
away from evil.<br />
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<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"></span><b><br /><span style="color: black; font-family: Calibri;">
Proverbs 15:22 </span></b><br /><span style="font-family: Calibri;"><span style="color: black;">
Without consultation, plans are frustrated, but with many counselors they
succeed. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
16:1</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
The plans of the heart belong to man, but the answer of the tongue is from the
Lord.<br />
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<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><b><br /><span style="color: black; font-family: Calibri;">
Proverb 16:9 </span></b><br /><span style="font-family: Calibri;"><span style="color: black;">
A man’s heart devises his way: but, the Lord directs his steps.<o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
20:18</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Prepare plans by consultation, and make war by wise guidance. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
21:5</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
The plans of the diligent lead surely to advantage, but everyone who is hasty
comes surely to poverty. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
22:3</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
The prudent sees the evil and hides himself, but the naïve go on, and are
punished for it. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
24:3-4</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
By wisdom a house is built, and by understanding it is established; and by
knowledge the rooms are filled with all precious and pleasant riches. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
24:27</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Prepare your work outside and make it ready for yourself in the field;
afterwards, then, build your house. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
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27:12</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
A prudent man sees evil and hides himself, the naïve proceed and pay the
penalty. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Proverbs
27:23</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Know well the condition of your flocks, and pay attention to your herds; <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Ecclesiastes
11:2</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Divide your portion to seven, or even to eight, for you do not know what
misfortune may occur on the earth. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Matthew
25:1-13</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
“Then the kingdom of heaven will be comparable to ten virgins, who took their
lamps and went out to meet the bridegroom. Five of them were foolish, and five
were prudent. For when the foolish took their lamps, they took no oil with
them, but the prudent took oil in flasks along with their lamps. Now while the
bridegroom was delaying, they all got drowsy and began to sleep. But at
midnight there was a shout, ‘Behold, the bridegroom! Come out to meet him.’
Then all those virgins rose and trimmed their lamps. The foolish said to the
prudent, ‘Give us some of your oil, for our lamps are going out.’ But the
prudent answered, ‘No, there will not be enough for us and you too; go instead
to the dealers and buy some for yourselves.’ And while they were going away to
make the purchase, the bridegroom came, and those who were ready went in with
him to the wedding feast; and the door was shut. Later the other virgins also
came, saying, ‘Lord, lord, open up for us.’ But he answered, ‘Truly I say to
you, I do not know you.’ Be on the alert then, for you do not know the day nor
the hour.” <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke
12:16-21</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
And He told them a parable, saying, “The land of a rich man was very
productive. And he began reasoning to himself, saying, ‘What shall I do, since
I have no place to store my crops?’ Then he said, ‘This is what I will do: I
will tear down my barns and build larger ones, and there I will store all my
grain and my goods. And I will say to my soul, “Soul, you have many goods laid
up for many years to come; take your ease, eat, drink and be merry.”‘ But God
said to him, ‘You fool! This very night your soul is required of you; and now
who will own what you have prepared?’ So is the man who stores up treasure for
himself, and is not rich toward God.” <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke
14:28-30</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
For which one of you, when he wants to build a tower, does not first sit down
and calculate the cost to see if he has enough to complete it? “Otherwise, when
he has laid a foundation and is not able to finish, all who observe it begin to
ridicule him, saying, ‘This man began to build and was not able to finish. ‘” <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1
Corinthians 16:1-2</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
Now concerning the collection for the saints, as I directed the churches of
Galatia, so do you also. On the first day of every week each one of you is to
put aside and save, as he may prosper, so that no collections be made when I
come. <o:p></o:p></span></span></span></div>
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<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1
Timothy 6:7</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /><span style="font-family: Calibri;"><span style="color: black;">
For we have brought nothing into the world, so we cannot take anything out of
it either.<o:p></o:p></span></span></span></div>
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<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Provision</span></span></u></b><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
<br />
</span></span><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Nehemiah 6:9</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">They were all trying to frighten us, thinking,
“Their hands will get too weak for the work, and it will not be completed.” But
I prayed, “Now strengthen my hands.”<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Kings 17:13-16</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Then Elijah said to her, “Do not fear; go, do as you
have said, but make me a little bread cake from it first and bring it out to
me, and afterward you may make one for yourself and for your son. For thus says
the Lord God of Israel, ‘The bowl of flour shall not be exhausted, nor shall
the jar of oil be empty, until the day that the Lord sends rain on the face of
the earth.’” So she went and did according to the word of Elijah, and she and
he and her household ate for many days. The bowl of flour was not exhausted nor
did the jar of oil become empty, according to the word of the Lord which He
spoke through Elijah.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
37:25</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">I have been young and now I am old, yet I have not
seen the righteous forsaken or his descendants begging bread.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
6:31-32</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Do not worry then, saying, ‘What will we eat?’ or
‘What will we drink?’ or ‘What will we wear for clothing?’ For the Gentiles
eagerly seek all these things; for your heavenly Father knows that you need all
these things.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
7:11</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">If you then, being evil, know how to give good gifts
to your children, how much more will your Father who is in heaven give what is
good to those who ask Him!<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke
12:7</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Indeed, the very hairs of your head are all
numbered. Do not fear; you are more valuable than many sparrows.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">John
21:6</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And He said to them, “Cast the net on the right-hand
side of the boat and you will find a catch.” So they cast, and then they were
not able to haul it in because of the great number of fish.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">2
Corinthians 9:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And God is able to make all grace abound to you, so
that always having all sufficiency in everything; you may have an abundance for
every good deed; <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Philippians
4:19</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And my God will supply all your needs according to
His riches in glory in Christ Jesus.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></u></b><br />
<div style="margin-bottom: 0pt;">
<br />
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">
</span></span></u></b></div>
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
</span></u></b>
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: black;"></span></u></b><br /></div>
<b style="mso-bidi-font-weight: normal;"><u>
</u></b>
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><span style="color: black;"></span><br /></b></div>
<b style="mso-bidi-font-weight: normal;">
</b><br />
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Prospering</span></span></u></b><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></div>
<div style="margin-bottom: 0pt;">
<span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Genesis 26:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Then Isaac sowed in that land, and reaped in the
same year a hundredfold; and the Lord blessed him <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Genesis
39:3</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Now his master saw that the Lord was with him and
how the Lord caused all that he did to prosper in his hand. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
8:18</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">…Remember the Lord your God, for it is He who gives
you the ability to produce wealth. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
15:10</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">You shall generously give to him, and your heart
shall not be grieved when you give to him, because for this thing the Lord your
God will bless you in all your work and in all your undertakings. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
24:19</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">When you reap your harvest in your field and have
forgotten a sheaf in the field, you shall not go back to get it; it shall be
for the alien, for the orphan, and for the widow, in order that the Lord your
God may bless you in all the work of your hands. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
30:8-10</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And you shall again obey the Lord, and observe all
His commandments which I command you today. “Then the Lord your God will
prosper you abundantly in all the work of your hand, in the offspring of your
body and in the offspring of your cattle and in the produce of your ground, for
the Lord will again rejoice over you for good, just as He rejoiced over your
fathers; if you obey the Lord your God to keep His commandments and His
statutes which are written in this book of the law, if you turn to the Lord
your God with all your heart and soul. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Joshua
1:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">This book of the law shall not depart from your
mouth, but you shall meditate on it day and night, so that you may be careful
to do according to all that is written in it; for then you will make your way
prosperous, and then you will have success. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Chronicles 22:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Only may the Lord give you wisdom and understanding,
and give you charge concerning Israel, that you may keep the law of the Lord
your God. Then you will prosper, if you take care to fulfill the statutes and
judgments with which the Lord charged Moses concerning Israel. Be strong and of
good courage; do not fear nor be dismayed. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">2
Chronicles 31:20</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">This is what Hezekiah did throughout Judah, doing
what was good and right and faithful before the Lord his God. In everything
that he undertook in the service of God’s temple and in obedience to the law
and the commands, he sought his God and worked wholeheartedly. And so he
prospered. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Jeremiah
17:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">For he will be like a tree planted by the water,
that extends its roots by a stream and will not fear when the heat comes; but
its leaves will be green, and it will not be anxious in a year of drought nor
cease to yield fruit.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
1: 1-3</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Blessed is the man who does not walk in the counsel
of the wicked or stand in the way of sinners or sit in the seat of mockers. But
his delight is in the law of the LORD, and on his law he meditates day and
night. He is like a tree planted by streams of water, which yields its fruit in
season and whose leaf does not wither. Whatever he does prospers.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
35:27</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Let them shout for joy and rejoice, who favor my
vindication; and let them say continually, “The Lord be magnified, who delights
in the prosperity of His servant.”<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Corinthians.16:2</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">“On the first day of every week each one of you is
to put aside and save, as he may prosper, so that no collections be made when I
come.”<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">3
John 1:2</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Beloved, I pray that you may prosper in all things
and be in health, just as your soul prospers.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;"></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="font-family: Calibri;"><span style="color: black;">Receiving<o:p></o:p></span></span></span></u></b></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span><span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Ecclesiastes
5:19<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Furthermore,
as for every man to whom God has given riches and wealth, He has also empowered
him to eat from them and to receive his reward and rejoice in his labor; this
is the gift of God.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">John
3:27<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">John
answered and said, ” A man can receive nothing unless it has been given him
from heaven.<o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Acts
20:35<br />
</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;">“In
everything I showed you that by working hard in this manner you must help the
weak and<br />
remember the words of the Lord Jesus, that He Himself said, ‘It is more blessed
to give than to receive.'”<o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1
Corinthians 9:10-11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Or is
He speaking altogether for our sake? Yes, for our sake it was written, because
the plowman ought to plow in hope, and the thresher to thresh in hope of
sharing the crops. If we sowed spiritual things in you, is it too much if we
reap material things from you?<o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1
Timothy 5:18<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For the
Scripture says, “Do not muzzle the ox while it is treading out the grain,” and
“The worker deserves his wages.” <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span><br />
<div style="margin-bottom: 0pt;">
<br />
<span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="color: black;">
</span></span></div>
<span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">
</span>
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Saving</span></span></u></b><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
<br />
</span></span><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"></span></strong></div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs 21:5</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">The plans of the diligent lead surely to advantage,
but everyone who is hasty comes surely to poverty. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
21:20</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">There is precious treasure and oil in the dwelling
of the wise, but a foolish man swallows it up. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
27:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">A prudent man sees evil and hides himself, the naïve
proceed and pay the penalty <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
30:24-25</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Four things are small on the earth, but they are
exceedingly wise: The ants are not a strong people, but they prepare their food
in the summer; <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Corinthians 16:2</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">On the first day of every week each one of you is to
put aside and save, as he may prosper, so that no collections be made when I
come. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Success<o:p></o:p></span></span></u></b></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Deuteronomy
30:9</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">The Lord your God will then make you successful in
everything you do. He will give you many children and numerous livestock, and
he will cause your fields to produce abundant harvests, for the Lord will again
delight in being good to you as he was to your ancestors.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Joshua
1:8</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">This book of the law shall not depart from your
mouth, but you shall meditate on it day and night, so that you may be careful
to do according to all that is written in it; for then you will make your way
prosperous, and then you will have success.<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Nehemiah
2:20</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">…”The God of heaven will give us success; therefore
we His servants will arise and build…”<o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
1:1-3</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Blessed is the man who does not walk in the counsel
of the wicked or stand in the way of sinners or sit in the seat of mockers. But
his delight is in the law of the Lord, and on his law he meditates day and
night. He is like a tree planted by streams of water, which yields its fruit in
season and whose leaf does not wither. Whatever he does prospers. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Psalm
37:4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Delight yourself in the Lord; And He will give you the
desires of your heart. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
22:29</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Do you see a man skilled in his work? He will stand
before kings; he will not stand before obscure men. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Proverbs
22:4</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">The reward of humility and the fear of the Lord are
riches, honor and life. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Isaiah
1:19</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">If you consent and obey, you will eat the best of
the land;<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
6:24</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">No one can serve two masters; for either he will
hate the one and love the other, or he will be devoted to one and despise the
other you cannot serve God and wealth. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
23:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Whoever exalts himself shall be humbled; and whoever
humbles himself shall be exalted. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke
9:48</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">…and said to them, “Whoever receives this child in
My name receives Me, and whoever receives Me receives Him who sent Me; for the
one who is least among all of you, this is the one who is great.” <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Ephesians
3:20</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: black;"><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;">Now to Him who is able to do far more abundantly
beyond all that we ask or think, according to the power that works within us. </span><span style="color: #333333; font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;">Stewardship</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 12pt;"><o:p></o:p></span></u></b></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
</span></span><span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Genesis
2:15<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Then
the Lord God took the man and put him into the garden of Eden to cultivate it
and keep it.<o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Deuteronomy
10:14<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Behold,
to the Lord your God belong heaven and the highest heavens, the earth and all
that is in it. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">1
Chronicles 29:11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Yours,
o Lord, is the greatness and the power and the glory and the victory and the
majesty, indeed everything that is in the heavens and the earth; Yours is the
dominion, o Lord, and You exalt Yourself as head over all. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Psalm
50:10-12<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For
every beast of the forest is Mine, the cattle on a thousand hills. I know every
bird of the mountains, and everything that moves in the field is Mine. If I
were hungry I would not tell you, for the world is Mine, and all it contains. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Matthew
25:14-30<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For it
is just like a man about to go on a journey, who called his own slaves and
entrusted his possessions to them. “To one he gave five talents, to another,
two, and to another, one, each according to his own ability; and he went on his
journey. Immediately the one who had received the five talents went and traded
with them, and gained five more talents. In the same manner the one who had
received the two talents gained two more. But he who received the one talent
went away, and dug a hole in the ground and hid his master’s money. “Now after
a long time the master of those slaves came and settled accounts with them. The
one who had received the five talents came up and brought five more talents,
saying, ‘Master, you entrusted five talents to me. See, I have gained five more
talents.’ His master said to him, ‘Well done, good and faithful slave you were
faithful with a few things, I will put you in charge of many things; enter into
the joy of your master.’ Also the one who had received the two talents came up
and said, ‘Master, you entrusted two talents to me. See, I have gained two more
talents.’ His master said to him, ‘Well done, good and faithful slave. You were
faithful with a few things, I will put you in charge of many things; enter into
the joy of your master.’ And the one also who had received the one talent came
up and said, ‘Master, I knew you to be a hard man, reaping where you did not
sow and gathering where you scattered no seed. ‘And I was afraid, and went away
and hid your talent in the ground. See, you have what is yours.’ But his master
answered and said to him, ‘You wicked, lazy slave, you knew that I reap where I
did not sow and gather where I scattered no seed. ‘Then you ought to have put
my money in the bank, and on my arrival I would have received my money back
with interest. ‘Therefore take away the talent from him, and give it to the one
who has the ten talents.’ For to everyone who has, more shall be given, and he
will have an abundance; but from the one who does not have, even what he does
have shall be taken away. Throw out the worthless slave into the outer
darkness; in that place there will be weeping and gnashing of teeth.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;"> </span><span style="font-family: Calibri;"><span style="color: black;"><b>12:42-44<br />
</b>And the Lord said, “Who then is the faithful and sensible steward, whom his
master will put in charge of his servants, to give them their rations at the
proper time? “Blessed is that slave whom his master finds so doing when he
comes. “Truly I say to you that he will put him in charge of all his possessions.
<o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">Luke</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;"> </span><span style="font-family: Calibri;"><span style="color: black;"><b>12:47-48<br />
</b>And that slave who knew his master’s will and did not get ready or act in
accord with his will, will receive many lashes, but the one who did not know
it, and committed deeds worthy of a flogging, will receive but few. From
everyone who has been given much, much will be required; and to whom they
entrusted much, of him they will ask all the more. <o:p></o:p></span></span></span><br />
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="font-family: Calibri;"><span style="color: black;"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Luke
16:9-11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">And I
say to you, make friends for yourselves by means of the wealth of
unrighteousness, so that when it fails, they will receive you into the eternal
dwellings. “He who is faithful in a very little thing is faithful also in much;
and he who is unrighteous in a very little thing is unrighteous also in much.
Therefore if you have not been faithful in the use of unrighteous wealth, who
will entrust the true riches to you? <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Romans
14:8<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">For if
we live, we live for the Lord, or if we die, we die for the Lord; therefore
whether we live or die, we are the Lord’s.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Taxes</span></span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></u></b></div>
<div style="margin-bottom: 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></u></b><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew 22:21</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">They said to Him, “Caesar’s.” Then He said to them,
“Then render to Caesar the things that are Caesar’s; and to God the things that
are God’s. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Romans
13:7</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Render to all what is due them: tax to whom tax is
due; custom to whom custom; fear to whom fear; honor to whom honor. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /><span style="color: black; font-family: Calibri;">
<br />
</span></span></u></b><span style="font-family: Calibri;"><span style="color: black;"><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 18pt; mso-bidi-font-family: "Times New Roman"; mso-bidi-font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Waste</span></u></b><b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></u></b></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="color: #333333; font-size: 12pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p><span style="text-decoration: none;"><span style="color: black;"></span></span></o:p></span></u></b><br /></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke
15:13</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And not many days later, the younger son gathered
everything together and went on a journey into a distant country, and there he
squandered his estate with loose living. <o:p></o:p></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">John
6:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">When they were filled, He said to His disciples,
“Gather up the leftover fragments so that nothing will be lost.” <o:p></o:p></span></span></div>
<span style="color: black;">
</span>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b style="mso-bidi-font-weight: normal;"><u><span style="font-size: 18pt; mso-bidi-font-size: 12.0pt;"><span style="color: black; font-family: Calibri;">Work</span></span></u></b><span style="font-size: 12pt;"><br /><span style="color: black; font-family: Calibri;">
<br />
</span></span><span style="font-family: Calibri;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Genesis 2:15<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Then the Lord God took
the man and put him into the Garden of Eden to cultivate it and keep it.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Exodus 23:12<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Six days you are to do
your work, but on the seventh day you shall cease from labor so that your ox
and your donkey may rest, and the son of your female slave, as well as your
stranger, may refresh themselves. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">2 Chronicles 31:21<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Every work which he began
in the service of the house of God in law and in commandment, seeking his God,
he did with all his heart and prospered. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Nehemiah 4:6<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">So we built the wall and
the whole wall was joined together to half its height, for the people had a
mind to work. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Psalm 127:2<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">It is vain for you to
rise up early, to retire late, to eat the bread of painful labors; for He gives
to His beloved even in his sleep. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 10:4<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Poor is he who works with
a negligent hand, but the hand of the diligent makes rich. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 12:14<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">A man will be satisfied
with good by the fruit of his words, and the deeds of a man’s hands will return
to him. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 12:24<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The hand of the diligent
will rule, but the slack hand will be put to forced labor. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 13:4<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The soul of the sluggard
craves and gets nothing, but the soul of the diligent is made fat. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 13:11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Wealth obtained by fraud
dwindles, but the one who gathers by labor increases it.</span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 14:23<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">In all labor there is
profit, but mere talk leads only to poverty. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 18:9<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">He also who is slack in
his work is brother to him who destroys. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;"></span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 20:4<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The sluggard does not
plow after the autumn, so he begs during the harvest and has nothing. <o:p></o:p></span></span></span></div>
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p><span style="color: black; font-size: small;"></span></o:p></span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 21:5<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The plans of the diligent
lead surely to advantage, but everyone who is hasty comes surely to poverty. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 21:25<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The desire of the
sluggard puts him to death, for his hands refuse to work; <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 22:29<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Do you see a man skilled
in his work? He will stand before kings; he will not stand before obscure men. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 24:27<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Prepare your work outside
and make it ready for yourself in the field; Afterwards, then, build your
house. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 24:30-34<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">I passed by the field of
the sluggard and by the vineyard of the man lacking sense, and behold, it was
completely overgrown with thistles; its surface was covered with nettles, and
its stone wall was broken down. When I saw, I reflected upon it; I looked, and
received instruction. “A little sleep, a little slumber, a little folding of
the hands to rest,” Then your poverty will come as a robber and your want like
an armed man. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Proverbs 28:19<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">He who tills his land
will have plenty of food, but he who follows empty pursuits will have poverty
in plenty. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ecclesiastes 5:12<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">The sleep of the working
man is pleasant, whether he eats little or much; but the full stomach of the
rich man does not allow him to sleep. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ecclesiastes 9:10<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Whatever your hand finds
to do, do it with all your might; for there is no activity or planning or
knowledge or wisdom in Sheol where you are going.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Ephesians 6:5-8<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Slaves, be obedient to
those who are your masters according to the flesh, with fear and trembling, in
the sincerity of your heart, as to Christ; not by way of eye service, as
men-pleasers, but as slaves of Christ, doing the will of God from the heart.
With good will render service, as to the Lord, and not to men, knowing that
whatever good thing each one does, this he will receive back from the Lord,
whether slave or free. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Colossians 3:23<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Whatever you do, do your
work heartily, as for the Lord rather than for men, <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">1 Thessalonians 2:9<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">For you recall, brethren,
our labor and hardship, how working night and day so as not to be a burden to
any of you, we proclaimed to you the gospel of God. <o:p></o:p></span></span></span><br />
<span style="font-family: Calibri;"><span style="color: black;"><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><br /></span></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><span style="color: black;"><b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">2 Thessalonians 3:10-11<br />
</span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">For even when we were
with you, we used to give you this order: if anyone is not willing to work,
then he is not to eat, either. For we hear that some among you are leading an
undisciplined life, doing no work at all, but acting like busybodies. <o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
</div>
<span style="color: black;">
</span><br />
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">1 Timothy 5:8<br />
</span></span></b><span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="color: black; font-family: Calibri;">But if anyone does not
provide for his own, and especially for those of his household, he has denied
the faith and is worse than an unbeliever.</span><b><br /><span style="color: black; font-family: Calibri;">
</span></b></span></div>
<div class="MsoNormal" style="line-height: normal; margin: 0in 0in 0pt;">
<span style="color: #333333; font-size: 14pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b><span style="font-family: Calibri;"><br /><span style="color: black;">
Hebrews 6:10<br />
</span></span></b><span style="font-family: Calibri;"><span style="color: black;">For God is not unjust so as to forget your work and the love which you have
shown toward His name, in having ministered and in still ministering to the
saints.<o:p></o:p></span></span></span></div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
</div>
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span><b style="mso-bidi-font-weight: normal;"><u><span style="font-family: "Calibri","sans-serif"; font-size: 18pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Worry</span></span></u></b><span style="font-family: "Calibri","sans-serif"; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
<br />
</span></span><strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Isaiah 51:12</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">I, even I, am He who comforts you, who are you that
you are afraid of man who dies and of the son of man who is made like grass<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
6:25</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">For this reason I say to you, do not be worried
about your life, as to what you will eat or what you will drink; nor for your
body, as to what you will put on. Is not life more than food, and the body more
than clothing? “Look at the birds of the air, that they do not sow, nor reap
nor gather into barns, and yet your heavenly Father feeds them. Are you not
worth much more than they? And who of you by being worried can add a single
hour to his life?<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
6:31-33</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Do not worry then, saying, “What will we eat?” or
“What will we drink?”‘ or “What will we wear for clothing?” For the Gentiles
eagerly seek all these things; for your heavenly Father knows that you need all
these things. But seek first His kingdom and His righteousness, and all these
things will be added to you. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Matthew
6:34</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">So do not worry about tomorrow; for tomorrow will
care for itself. Each day has enough trouble of its own. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Luke
12:22-29</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">And He said to His disciples, “For this reason I say
to you, do not worry about your life, as to what you will eat; nor for your
body, as to what you will put on. For life is more than food, and the body more
than clothing? Consider the ravens, for they neither sow nor reap; they have no
storeroom nor barn, and yet God feeds them; how much more valuable you are than
the birds! And which of you by worrying can add a single hour to his life’s
span? If then you cannot do even a very little thing, why do you worry about
other matters? Consider the lilies, how they grow: they neither toil nor spin;
but I tell you, not even Solomon in all his glory clothed himself like one of
these. But 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? You men
of little faith! And do not seek what you will eat and what you will drink, and
do not keep worrying. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Philippians
4:6</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Be anxious for nothing, but in everything by prayer
and supplication with thanksgiving let your requests be made known to God. <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Hebrews
13:6</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">So that we confidently say, “THE LORD IS MY HELPER,
I WILL NOT BE AFRAID. WHAT WILL MAN DO TO ME?” <o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span></div>
<span style="color: black;">
</span><br />
<span style="color: black;">
</span><br />
<div style="margin-bottom: 0pt;">
<strong><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">1
Peter 5:7</span></span></strong><b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><br /><span style="color: black;">
</span></span></b><span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;">Casting all your anxiety on Him, because He cares
for you.<o:p></o:p></span></span><br />
<span style="color: #333333; font-family: "Calibri","sans-serif"; font-size: 14pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-size: 12.0pt; mso-hansi-theme-font: minor-latin;"><span style="color: black;"><br /></span></span>
<div class="MsoNormal" style="font-size: 12px;">
<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
<div class="MsoNormal" style="font-size: 12px;">
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<div class="MsoNormal" style="font-size: 12px;">
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</span>Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-13534394113936545172015-04-30T22:06:00.000-05:002015-04-30T22:06:44.182-05:00132. Pay It Forward Challenge 2: Complete Guide to Money<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-5Pg-OPj081E/VULsc2cqFtI/AAAAAAAACg8/BYS8yedStbg/s1600/payitforward_zps1ea186e0.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-5Pg-OPj081E/VULsc2cqFtI/AAAAAAAACg8/BYS8yedStbg/s1600/payitforward_zps1ea186e0.jpg" height="243" width="320" /></a></div>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif;"><span style="font-size: 12px; line-height: 16px; white-space: pre-wrap;"><br /></span></span>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif;"><span style="font-size: 12px; line-height: 16px; white-space: pre-wrap;"><br /></span></span>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif;"><span style="font-size: 12px; line-height: 16px; white-space: pre-wrap;">Time to revisit the Pay It Forward Challenge! </span></span><span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; white-space: pre-wrap;">One of the keys to financial success is giving. Dave Ramsey talks a lot about giving. Baby Step 7 is focused on it. However, you don't have to be debt free to give. In <a href="https://www.facebook.com/groups/859487064131720/" target="_blank">this group</a>, we want to win with money and part of that means creating a culture of giving as well.</span><br />
<div class="_209g _2vxa" data-block="true" data-offset-key="fa1qe-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fa1qe-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe.0:$fa1qe-0-0"><br data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe.0:$fa1qe-0-0.0" /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22.0:$1rp22-0-0">Dave says: <b><i>“Giving to those in need will bring more joy than money could ever buy.” </i></b></span><br />
<span data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22.0:$1rp22-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte.0:$2vvte-0-0">So what does it mean to Pay It Forward? Paying it forward can be defined as <b><i>"responding to another person's kindness to oneself by being kind to someone else." </i></b></span><br />
<span data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte.0:$2vvte-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re.0:$cn6re-0-0">We have experienced this joy. </span>We did <a href="https://www.facebook.com/groups/daveramseytotalmoneymakeover/" target="_blank">this challenge as a group</a> earlier t<a href="http://eaglesoaringhigher.blogspot.com/2015/01/total-money-makeover-pay-it-forward_10.html" target="_blank">his year in January</a> on Facebook and according to my estimates about 200-300 people received a Total Money Makeover book. Would you like to experience it to? This Complete Guide to Money Pay it Forward challenge is for you to do one of two things:<br />
<span data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re.0:$cn6re-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="bjhru-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$bjhru" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="bjhru-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$bjhru.0:$bjhru-0-0"><b>Challenge 1:</b></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="7hnqv-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7hnqv" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="7hnqv-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7hnqv.0:$7hnqv-0-0">1a. If you don't own a copy of Complete Guide to Money buy a copy for yourself and your family. If you don’t have money to do so, sell some stuff or work overtime so you can buy a total of 3 copies. So the 1st copy goes to you. </span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="d4pjt-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$d4pjt" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="d4pjt-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$d4pjt.0:$d4pjt-0-0">1b. Give the 2nd copy of the book to someone in this group.</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="c66qk-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$c66qk" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="c66qk-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$c66qk.0:$c66qk-0-0">1c. Give the 3rd copy of the book to a friend, family member, or acquaintance with a personalized note stating how the book has impacted your life. Invite them to this group! </span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd.0:$fvhmd-0-0">1d. Pass the Complete Guide to Money Pay It Forward Challenge on to someone else by sharing this post! Use the </span><span data-offset-key="5qgcp-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.0:$5qgcp-0-0">hashtag </span><span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;">#CG2MPayItForward</span><br />
<span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="denlf-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$denlf" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="denlf-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$denlf.0:$denlf-0-0"><b>Challenge 2:</b></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="9a2ag-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$9a2ag" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="9a2ag-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$9a2ag.0:$9a2ag-0-0">2a. If you already own a copy of Complete Guide to Money, buy and give away 3 copies of CG2M to three people. If you don’t have money to do so, sell some stuff so you can buy the 3 copies.</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="7e7gm-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7e7gm" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="7e7gm-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7e7gm.0:$7e7gm-0-0">2b. Give the 1st copy of the book to someone in this group. (See the list pictured below)</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="b708e-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$b708e" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="b708e-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$b708e.0:$b708e-0-0">2c. </span>Give the 2nd copy of the book to a friend, family member, or acquaintance with a personalized note stating how the book has impacted your life.</div>
<div class="_209g _2vxa" data-block="true" data-offset-key="5ud2p-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5ud2p" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="5ud2p-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5ud2p.0:$5ud2p-0-0">2d. Give the 3rd copy of the book to a complete stranger. Tell them about how the Dave Ramsey program has impacted your life. </span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="i6it-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$i6it" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd.0:$fvhmd-0-0">2e. Pass the Complete Guide to Money Pay It Forward Challenge on to someone else by sharing this post! Use the </span><span data-offset-key="5qgcp-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.0:$5qgcp-0-0">hashtag </span>#CG2MPayItForward<br />
<span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef.0:$drtef-0-0">Note 1: You can buy and mail a good used copy of Complete Guide to Money <a href="http://www.amazon.com/gp/offer-listing/1937077209/ref=sr_1_1_twi_1_har_olp?ie=UTF8&qid=1430447831&sr=8-1&keywords=complete+guide+to+money" target="_blank">through Amazon</a> for about $11 shipping included! Dave’s website <a href="http://www.daveramsey.com/">www.daveramsey.com</a> also usually has some good deals as well. Join the group to see our special discount rate! We were given a special promotion offer by a member of Dave Ramsey's team $10 for any of Dave Ramsey's books and a flat rate of $4.95 for shipping and handling throughout the month of May 2015! So if you buy 5 books you only pay $4.95 for shipping! </span><br />
<span data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef.0:$drtef-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3.0:$dr8r3-0-0">Note 2: If you are doing The No Spend Challenge you wouldn’t be “breaking” your rules </span>by raising your income (making money by selling some stuff, working overtime, etc.). This challenge is absolutely optional. Participate at your own risk. :-)<br />
<span data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3.0:$dr8r3-0-0"><br /></span>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-84046697745140558442015-04-26T15:08:00.000-05:002015-04-26T18:42:51.495-05:00131. Why the teachings on Tithing have failed the Local Church<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-RfTWuHgtOwc/VTF3Qj4wXJI/AAAAAAAACgc/boGo__0k07c/s1600/teachingsontithingfailed.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-RfTWuHgtOwc/VTF3Qj4wXJI/AAAAAAAACgc/boGo__0k07c/s1600/teachingsontithingfailed.png" height="206" width="320" /></a></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">I read an <a href="http://www.churchleaders.com/pastors/preaching-teaching/251420-bible-verse-everything-new-testament-doesnt-tell-us.html"><span style="color: blue;">article</span></a> recently and thought I’d revisit the
teaching of tithing. I've actually <a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" target="_blank"><span style="color: blue;">written several posts on this subject</span></a> as this topic directly relates to personal finance in a Christian's life. </span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<blockquote class="tr_bq" style="line-height: normal;">
<b><span style="color: #1a1a1a; font-size: 22pt;">The letter kills but the Spirit gives life. </span></b><span style="font-size: 14pt;"> </span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p> </o:p></span></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">1. Before even starting
this post I’ll point out two passage I read recently:</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p> </o:p></span><b><span style="font-size: 14pt;"><o:p> </o:p></span></b></div>
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<b><i><span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">”Not that we are
sufficient in ourselves to claim anything as coming from us, but our
sufficiency is from God, who has made us sufficient to be ministers of a new
covenant, not of the letter but of the Spirit. For the letter kills, but the
Spirit gives life.”- 2 Corinthians 3:5-6.</span></i></b><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">In case you missed it
here it is again: The letter kills <i>but</i> the Spirit gives life.</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">Here’s the second verse
that speaks for itself:</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<b><i><span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">“For all who rely on
works of the law are under a curse; for it is written, ‘Cursed be everyone who
does not abide by all the things written in the book of the Law, and do them.’”
– Galatians 3:10</span></i></b><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<b><span style="color: #1a1a1a; font-size: 22pt;">Is the tithe given as a command in the New Testament and is the tithe the standard to Christians today? The answer to both of these questions is no. </span></b></blockquote>
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<span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p><br /></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">2. Is the tithe given as
a command in the New Testament and is the tithe the standard for giving to
Christians today? The answer to both of these questions is no. The tithe
was the standard for Israelites and directly related to the law. There were in
fact 3 tithes in the Bible: One for the Levites and Temple paid yearly, a
second for the feasts Israel celebrated paid yearly, and a third for the poor,
widow, orphan, and foreigner to be paid every three years. This would result on
average for a 23.3% tithe of the seed and flocks from one’s annual produce from
the land. Notice this would only apply to land owners. </span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">See Deut. 14:22-27, Lev.
18:19-21, Deut. 16:16, Deut. 12:6-8, and Deut. 14:28-29</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<blockquote class="tr_bq">
<b><span style="color: #1a1a1a; font-size: 22pt;">The book of Malachi was written at a specific time (around 430 B.C.) to a specific audience of Jewish people (Israel) who lived in a specific place (Palestine) prior to the exile to Babylon. </span></b><span style="font-size: 14pt;"> </span></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">3. Now, I'm sure some
would say "Hold on a minute Jonathan! What about Malachi 3?"
That is an excellent question. Before we go straight to our favorite passage
relating to this subject and tear Malachi 3:8-10 out of context, let's look at the context of the
entire book. For the sake of time I'll focus on two passages. But the rest of the book reads the same way. First, let's tart with Malachi 1:1. Who was the book was written
to? "<b><i>The Oracle of the word of the Lord to Israel by Malachi."</i></b></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">Second, let's look at the
actual verses prior to Malachi 3:8-10... Malachi 3:6 states: <b style="font-style: italic;">"For I
the Lord do not change; therefore you, O children of Jacob, are not
consumed." </b></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14pt; line-height: normal;">Who are the children of Jacob? The answer still seems to be the same as it was in Malachi 1:1 - Israel. </span><span style="color: #1a1a1a; font-size: 19px; line-height: normal;">The book of Malachi was written </span><span style="color: #1a1a1a; font-size: medium;">at a specific time to a specific audience of Jewish people (Israel) who lived in a specific place (</span><span style="color: #1a1a1a;"><span style="font-size: 19px;">Palestine</span></span><span style="color: #1a1a1a; font-size: medium;">) prior to the exile to Babylon. </span></div>
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<b><span style="color: #1a1a1a; font-size: 22pt;">Just because a person is not for tithing doesn't mean they are against giving to the local church. </span></b><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p> </o:p></span></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">4. Please keep reading! Are you free to
disagree with me? Sure. This isn’t a salvation issue. Just because a person is
not for tithing doesn't mean they are against giving to the local church. I'll
repeat that as some seem to have a hard time grasping the concept. Just because
a person is not for tithing <b style="text-decoration: underline;">doesn't</b> mean they are against giving to the local
church. Several people have called me mean names and claimed I was a false
teacher when I have shared my thoughts on this topic. Lol. One lady went so far
as to say that I should start my own cult… Because I didn’t limit giving to a
certain percentage of my income… All that to say, you are free to disagree but
please be gentle. I'm thankful God’s not done with me yet.</span></div>
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<blockquote class="tr_bq" style="line-height: normal;">
<b><span style="color: #1a1a1a; font-size: 22pt;">Is the new standard for Christians generous and sacrificial giving? Absolutely! </span></b></blockquote>
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<b><span style="color: #1a1a1a; font-size: 22pt;"><br /></span></b></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">5. Is the new standard
for Christians generous and sacrificial giving? Absolutely! The Bible talks
about giving sacrificially on more than one occasion in both the Old and New Testament. One of the primary passages in the New Testament is 2 Cor. 8:1-9:15.
There are others listed as examples below.</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">See Exodus 36:5, 1 Kings
17:13-15, Luke 21:4, Acts 2:45, Acts 4:34, Hebrews 13:16, 2 Cor. 8:2-4, 1 Tim
6:18</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<b><span style="color: #1a1a1a; font-size: 22pt;">Stewardship is so much more than just giving 10% of our income to the local church.</span></b></blockquote>
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<b><span style="color: #1a1a1a; font-size: 22pt;"><br /></span></b></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">6. Many Church leaders tell people to give their “tithes and offerings” and think it somehow fulfills their duty of teaching the local church about stewardship.
Stewardship is so much more than giving 10% of our income to the local church. Our finances
are just one aspect of the entire package God wants: time, energy, effort,
love, and so much more. God wants 100%. He wants our very lives! Note: I
think 10% or more is a good goal, but by itself it is an incomplete teaching. </span></div>
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<b><span style="color: #1a1a1a; font-size: 22pt;">Let's be real. In the West, this teaching of modern tithing has failed. </span></b></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">7. Let’s be real. In the
West, this teaching of modern tithing has failed. The numbers speak
for themselves. People are more in debt than ever in the West. Giving
for many if not a majority of churches is down. Churches are closing their
doors and shutting off the lights. In the U.S.A., less than 2.5% of evangelical
Christians tithe (or give 10% to their local church). For comparison, about 3.5% of Americans tithed during the Great Depression era. </span></div>
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<span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p><br /></o:p></span></div>
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<b><span style="color: #1a1a1a; font-size: 22pt;">Not only is the doctrine of tithing failed the local church, the other side of the coin is that Americans (Christians included) are drowning in debt. </span></b><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p> </o:p></span></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">8. Why are Christians
less generous today? The teaching on the tithe is only partially to blame. But
let's look at this for a moment. The doctrine of the tithe is part of the Old
Covenant based on the law. The law just points out our need for grace, mercy,
and hope that only be found in our Savior Jesus Christ. The Old Covenant is
conditional on how we perform. The New Covenant is unconditional and is
all about how God has performed for us by sending Jesus to die on the cross for
our sins. Not only has the doctrine of tithing failed the local church, the
other side of the coin is that Americans (Christians included) are drowning in
debt. According to <a href="http://www.nerdwallet.com/blog/credit-card-data/average-credit-card-debt-household/"><span style="color: blue;">this article</span></a> the average American household in
December of 2014 owes over $15,600 in credit card debt, over $32,200 in student
loan debt, and over $155,100 in mortgage debt. </span></div>
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<b><span style="color: #1a1a1a; font-family: Times; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman";">The wrong motivation for giving is pride, guilt, greed, pressure, gimmicks, and power. </span></b></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">9. Let’s switch gears to
talk about motivation for a minute. The <b><u>wrong</u></b> motivations for
giving are: pride, guilt, greed, pressure, gimmicks, and power. <b><u>Right</u></b>
reasons for giving include: gratitude to God, recognizing God owns it all, compassion for others, desire to serve God and our church, love for God and others, passion for reaching the lost, desire for our faith to grow, desire to glorify God and expand His Kingdom. When we give out of love and gratitude rather than fear and guilt, our giving will naturally increase.</span></div>
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<b><span style="color: #1a1a1a; font-family: Times; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman";">Given the opportunity, I
believe Christians following the Holy Spirit's guidance will rise to the
calling of giving generously.</span></b></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">10. Given the opportunity,
I believe Christians following the Holy Spirit's guidance will rise
to the calling of giving generously. Think of it this way. If you have a
charity banquet and tell people that the cost to attend per person is $30 what
will you get? You will get $30 per person. On the other hand, if you tell
people that the dinner itself costs $20 and the attendees are welcome to donate
as much as they want towards the cause, what will happen? You will get people
giving to the charitable cause $50, $100, $150 or more, nine times out of ten.
Why? Because you didn't set a cap or a limit on their giving. Many people view
the tithe as a cap or a ceiling on their giving!</span></div>
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<blockquote class="tr_bq" style="line-height: normal;">
<b><span style="color: #1a1a1a; font-family: Times; font-size: 22.0pt; mso-bidi-font-family: "Times New Roman";">Perhaps you're thinking: “Talk of sacrificial giving is a bit heavy. May I have some good
news?”</span></b></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">11. Yes! The good news is
God will never love you less for how much you give. On the flip side, God will
never love you more for how much you give either. God’s love is NOT dependent
on YOUR giving: your tithes, offerings, gifts to ministries, to evangelists, to
missionaries, or anything else you can think of. Salvation and eternal
life through Jesus Christ are both free to us without money or cost. There’s
nothing we can do to earn salvation. We as Believers don’t give to be saved or to earn God's approval.
Instead, we give sacrificially BECAUSE we are saved and BECAUSE we
want others to be reached for the Gospel. </span><span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";"><br style="mso-special-character: line-break;" />
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<!--[endif]--></span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
<blockquote class="tr_bq" style="line-height: normal;">
<b><span style="color: #1a1a1a; font-size: 22pt;">As Christians, giving should be a part of our DNA!</span></b></blockquote>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">12. Give! Whether you
give to a local church, your neighbors in need, the local music radio station,
your favorite charities, or something else, give! As Christians, giving should be a part of our
DNA!</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">I leave you with
<a href="http://www.worthychristianforums.com/topic/188336-do-jews-tithes-today-should-christians/?p=2205531" target="_blank">something I read recently by a guy named Tristan</a>:</span><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<b><i><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;">So it is perfectly fine for a Christian to choose
to give a freewill offering to God of a tenth of their income (as did Abraham
before the Law – Genesis 14:18-20). But if a Christian sees tithing as making
them more committed, more mature, more deserving of God’s favor, more
righteous, or in some sense more approved before God than those who don’t
tithe, then that Christian is treating tithing as a Law – and in so doing,
undermining the cross of Christ.</span></i></b><span style="font-family: Times; font-size: 14.0pt; mso-bidi-font-family: Times;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Times; font-size: 14.0pt; mso-bidi-font-family: "Times New Roman";">What do you think about giving, tithing, and stewardship?
Leave a comment!</span><span style="font-family: Times; font-size: 14.0pt;"><o:p></o:p></span><br />
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-8209080780843173462015-03-18T20:23:00.000-05:002015-06-25T06:18:44.224-05:00130. Book Review: Living Well, Spending Less: 12 Secrets of the Good Life<div class="separator" style="clear: both; text-align: center;">
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I was given the book “Living Well Spending Less: 12 Secrets of the Good Life” by Ruth Soukup by a friend this year. The book cover was cute and I thought "Great, another book that tries to tell people some hidden secrets to financial freedom." I honestly thought this would be yet just another good addition to a growing list of personal finance books I recommend.<br />
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However, I really believe this book is fantastic! It is one of the better, real, and life-changing books out there. For anyone thinking of reading this book full disclaimer: This is not a Christian book but yet it is full of Scripture references and points to Biblical truth.<br />
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Ruth Soukup is very transparent with the life challenges she faces. The book is warm, earnest, honest, and vulnerable. Ruth allows the reader a glimpse into her own struggles with clutter, generosity, contentment and overcoming those struggles.<br />
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While many books I have a hard time connecting with the author, Ruth quickly seems to become our new best friend. She is encouraging, real, and understands life’s struggles. </div>
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Ruth provides strategies and encouragement for:<br />
*Living with contentment in a materialistic world.<br />
*Getting more done around the house and in life in less time.<br />
*De-cluttering your life!</div>
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*Re-evaluating your spending habits and spending less than you thought you could.</div>
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*Cutting the grocery bill significantly.</div>
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*Cleaning the house more efficiently.</div>
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*Along with a whole lot more!</div>
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I was first introduced to Ruth’s blog <a href="http://www.livingwellspendingless.com/" style="color: #1155cc;" target="_blank"><span style="color: blue;"><u>www.livingwellspendingless.com</u></span></a> at the end of last year through a personal finance group on Facebook. I was particularly interested in Ruth’s series on “31 Days of Living Well & Spending Zero”. In October of 2012 Ruth went on what is often called a “No Spend Challenge” or a “Pantry Challenge”. </div>
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My family personally took the “No Spend Challenge” in October 2014. I realized these ideas needed to be shared with others. So in December 2014 I created <a href="https://www.facebook.com/groups/thenospendchallenge/" target="_blank">The No Spend Challenge</a> group on Facebook. </div>
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Today, there are over 3500 members and while we primarily use Ruth’s blog for The No Spend Challenge we also do various challenges throughout the year. So far this year there’s been a physical fitness challenge and a minimalist challenge. People are paying off their debts, cutting their expenses, living frugally, funding their emergency funds, and so much more! </div>
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What fantastic personal finance books have you discovered lately? Leave a comment!<br />
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-42867651259929732962015-03-08T08:49:00.000-05:002015-03-08T07:49:36.579-05:00129. The Debt Snowball<div style="color: #141823; font-family: Helvetica, Arial, 'lucida grande', tahoma, verdana, arial, sans-serif; font-size: 14px; line-height: 19px; margin-bottom: 6px; margin-top: 6px;">
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<a href="http://2.bp.blogspot.com/-yLbAaeo5ukQ/VPsHAcwK7HI/AAAAAAAACfc/2--BmbAR4AA/s1600/Debt-Elimination-With-The-Debt-Snowball-Method.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-yLbAaeo5ukQ/VPsHAcwK7HI/AAAAAAAACfc/2--BmbAR4AA/s1600/Debt-Elimination-With-The-Debt-Snowball-Method.jpg" height="215" width="320" /></a></div>
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If you have been reading Total Money Makoever by Dave Ramsey we recently started Chapter 7 in the <a href="https://www.facebook.com/groups/daveramseytotalmoneymakeover/" target="_blank">Dave Ramsey - Total Money Makeover</a> Facebook group. </div>
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<span style="text-align: center;">Okay time for the exciting part! Paying off your debt with </span><span style="text-align: center;">The Debt Snowball!</span></div>
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So how does the debt snowball work? Once you have your baby step One $1000 in the bank you pay off the account with the lowest balance first:</div>
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1. Create a list of all of your debts: credit cards, car loans, student loans, mortgages, etc… (Note: You probably need to exclude your mortgage from the list until you have the other debts paid off)<br />
2. Next to each one write down the total balance owed.<br />
3. Re-order these from smallest to largest debts (use Excel to make this simpler.)<br />
4. Pay the minimum payment on all of the debts – except the smallest one.<br />
5. Put every extra dollar you can find towards paying off that smallest debt. (For an example let's say we have the following debt. We have $125 to put towards our first debt assuming we pay the minimum payments on all of our other debts. See below!)<br />
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6. Celebrate like crazy when you get that first debt paid off.<br />
7. Take the amount you were paying towards the first debt and put towards the next smallest debt. Do this until this next one is paid off. (Now we have $175 to put towards our second debt assuming we pay the minimum payments on all of our other debts. $25 minimum payment plus the $150 from our original payment on Credit Card 1. See below!)<br />
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8. Celebrate again!<br />
9. Continue this process until each one is paid off!</div>
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Of note if you ever use your $1000 fund you need to pause your debt snowball or debt reduction. Then get your emergency fund back up to $1000. Then continue with your snowball.</div>
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The reasoning for using this method is to get small wins. Money is emotional. A few small wins builds momentum and motivates people to keep going!</div>
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There are other ways out there such as paying the highest interest first (known as the debt Avalanche Method). We will be using and promoting the Debt Snowball (lowest balance first)in this group. Small wins build momentum! But whatever you decide knock out that debt!<br />
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Was this helpful? Which method works best for you and your family? Leave a comment!<br />
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<a href="http://christianpf.com/snowball-your-way-out-of-debt/" target="_blank">Source </a>I used.<br />
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-13657228303989237212015-03-07T08:07:00.004-06:002015-03-07T08:08:08.888-06:00128. SAFE Goal Setting<div style="background-color: white; color: #222222; font-family: Calibri; font-size: 20px;">
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<a href="http://2.bp.blogspot.com/-510ZuDj17XU/VBND7E1xIsI/AAAAAAAACFQ/Jy3Uzv7C8Ro/s1600/Logo_SAFE.PNG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-510ZuDj17XU/VBND7E1xIsI/AAAAAAAACFQ/Jy3Uzv7C8Ro/s1600/Logo_SAFE.PNG" /></a></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">You'll recognize the logical structure of
SMART goal setting for its dependence on left-brain logical and analytical
processes. But what if you're more right-brain, creatively oriented? That's
where SAFE comes in. SAFE is an acronym for a creative goal
setting process especially useful for right-brain-oriented people. But
left-brain, analytical and logical thinkers will also benefit from
using SAFE.<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">The right side of our brains furnish our
big-picture processes, helping us grasp total situations, reach overall
insights, and see creative, alternative solutions. The right side
also houses our faith-based spiritual thinking. These strengths are very powerful,
so it makes sense that we can use them to our goal achievement advantage.<o:p></o:p></span></div>
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<br /></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">SAFE stands for…<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">•See the end result<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">•Accept the end result<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">•Feel the end result<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">•Express the end result<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">See it, Accept it, Feel it, and Express
it!<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">See it:</span></b><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;"> Picture
the future as it will be when your goal is achieved. See it in great
detail and full color. If your goal is weight loss, see yourself
standing in front of a mirror at your new weight. And looking
good! See yourself being admired by others for your new appearance.
Put yourself in clothing you might never wear now, but looks good on the new
you.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">Accept
it:</span></b><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;"> Accept means that you open yourself to attaining the
goal AND you are 100% certain that it will occur. This is critical to goal attainment
because it ensures that you have no doubts. You may not know exactly how you'll
achieve your goal, but you have no doubt about achieving it; it will happen and
you know it. There's some faith and magic at work here, so open yourself to the
power of the Universe to bring you what you want.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">Feel
it:</span></b><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;"> Goal attainment is more about attracting what we want
than chasing what we want. Attraction is strengthened by combining the mental
power of thinking about the goal (seeing and accepting) with the emotional
power of the feelings you'll have when the goal is achieved. As you visualize
yourself having achieved the goal, allow yourself to feel the accompanying
emotions. The stronger the emotion the stronger the attraction to the goal.<o:p></o:p></span></div>
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<b style="mso-bidi-font-weight: normal;"><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">Express
it:</span></b><span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;"> Use your full powers of expression to cement
your end result in place. Describe it verbally, telling yourself
all about it. Write about it. Describe in vivid detail every aspect of how your
life looks after the goal is achieved. Capture your feelings in words, too.
Draw it, paint it, create a collage that describes and depicts it. Place your
writing and pictures where you'll see them every day.<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">Using SAFE brings into play the
full power of your brain, primarily building on right-brain strengths, but
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your full creative powers.<o:p></o:p></span></div>
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<span style="color: black; font-family: Arial; font-size: 14.0pt; mso-themecolor: text1;">If you're naturally right-brain dominant,
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-29307002259140373962015-02-03T19:36:00.001-06:002015-02-03T21:00:40.913-06:00127. The No Spend Challenge – January 2015: 31 Days Later What We Learned <div class="MsoNormal" style="margin: 0in 0in 0pt;">
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-1vcM9usG5BE/VNF2jZq8zRI/AAAAAAAACdU/uiydEPIlMGQ/s1600/10947312_10152979832718991_4705237495241155018_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-1vcM9usG5BE/VNF2jZq8zRI/AAAAAAAACdU/uiydEPIlMGQ/s1600/10947312_10152979832718991_4705237495241155018_n.jpg" height="213" width="320" /></a></div>
<span style="font-family: Calibri;"><br /></span>
<span style="font-family: Calibri;"><br /></span>
<span style="font-family: Calibri;">I can’t believe it’s February! We just finished up our No
Spend Challenge for January 2015. Our goal was to save 20% of our regular
budget. We are happy to say we saved about 21%! We were
relatively happy with the results of this challenge. <br style="mso-special-character: line-break;" />
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<span style="font-family: Calibri;"><br /></span></div>
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<span style="font-family: Calibri;">Would YOU like support during YOUR No Spend Challenge? Join
the Facebook group with over 2300 members: “<a href="https://www.facebook.com/groups/thenospendchallenge/" target="_blank">The No Spend Challenge</a>”. When we
started the No Spend Challenge at the beginning of January we had 1300 members!<o:p></o:p></span></div>
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<br />
<span style="font-family: Calibri;">
<strong>What we did:</strong></span><br />
<span style="font-family: Calibri;"><b><br /></b></span>
<br />
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<a href="http://3.bp.blogspot.com/-8iMykp82ML0/VNF2pJSc-YI/AAAAAAAACdc/-UCPNd-b6qs/s1600/We%2BDid.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-8iMykp82ML0/VNF2pJSc-YI/AAAAAAAACdc/-UCPNd-b6qs/s1600/We%2BDid.gif" height="176" width="320" /></a></div>
<span style="font-family: Calibri;"><b><br /></b>
<br />
*We ate primarily what was in our fridge, pantry, and freezer.<br />
*We bought very minimal groceries such as milk, eggs, fresh fruit, fresh
veggies, etc. <br />
*We ate out 4 times but spent $25 total!<br />
*We were blessed to have family come over with food for meals and also to eat
meals with friends or family. <br />
*We spent $0 at Starbucks. We did have a few gift cards we used up though!<br />
*We didn’t buy anything at the mall or department stores.<br />
*We didn’t buy any movie rentals for the month on Amazon or RedBox!<br />
*We bought no home décor.<o:p></o:p></span></div>
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<span style="font-family: Calibri;">*We avoided $1 toys at Target<br />
*What was excluded from this challenge: Mortgage, Utilities, Netflix, Giving,
Health related expenses, Sinking funds, Diapers, Wipes, etc.<br />
*We gathered a pile of things to give away. <br />
*The blender died and we felt it had to be replaced. <br />
*We really spent a lot of money with online purchases related to the Facebook
group: <a href="https://www.facebook.com/groups/daveramseytotalmoneymakeover/" target="_blank">Dave Ramsey – Total Money Makeover</a>. Totally worth it though in helping
people on their journey to get rid of their debt, find financial freedom, and
change their family tree!<o:p></o:p></span><br />
<span style="font-family: Calibri;"><br /></span></div>
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</div>
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="font-family: Calibri;"><strong>What we learned:</strong></span><br />
<span style="font-family: Calibri;"><b><br /></b></span>
<br />
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<a href="http://1.bp.blogspot.com/-olZglbFAV2E/VNF2sh6Y7II/AAAAAAAACdk/etY2HEun1ow/s1600/what-we-learned-rukkle-620X4002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-olZglbFAV2E/VNF2sh6Y7II/AAAAAAAACdk/etY2HEun1ow/s1600/what-we-learned-rukkle-620X4002.jpg" height="206" width="320" /></a></div>
<span style="font-family: Calibri;"><b><br /></b>
<br />
*Some things we thought were needs are actually wants.<br />
*We CAN resist the urge to impulse buy when we have the motivation to do so.<br />
*Instead of a 24-48 hour wait time to evaluate big purchases this was like a 31
day wait period to evaluate large purchases.<br />
*Surprisingly, $20.00 worth of gas lasted for almost three weeks with the
civic!<br />
*Probably not a good idea to start a No Spend Challenge the same month we decide to
start a group with weekly giveaways. <br />
*January is the first month of the year which means we haven’t met any of our
health insurance deductibles. </span><br />
<span style="font-family: Calibri;">*January all of us got sick and had to go to the doctor. We made two visits to the doctor during the month! <br style="mso-special-character: line-break;" />
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<strong>
</strong><br />
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<span style="font-family: Calibri;"><strong>Highlights of Savings for the Month:</strong></span><br />
<span style="font-family: Calibri;"><b><br /></b></span>
<br />
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<a href="http://2.bp.blogspot.com/-8ZUB7f6gLQM/VNF2zoom19I/AAAAAAAACds/d0Emf3a-y1o/s1600/savings.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-8ZUB7f6gLQM/VNF2zoom19I/AAAAAAAACds/d0Emf3a-y1o/s1600/savings.jpg" height="320" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<span style="font-family: Calibri;">*We spent less than $375 for groceries and eating out for the month. Typically, we’d spend double that amount or more!</span><br />
<span style="font-family: Calibri;">*We enjoyed some free meals with family, friends, and with our local church.</span><br />
<span style="font-family: Calibri;">*We spent $100 for the entire month in gas. Typically, we’d spend double that at least!</span><br />
<span style="font-family: Calibri;">*We were able to continue to pay ourselves a car payment for our next vehicle purchase.</span><br />
<span style="font-family: Calibri;">*We continued to save for the kids college, vacation, and car insurance coming up.</span><br />
<br style="font-family: Calibri;" />
<strong style="font-family: Calibri;">For Fun…</strong><span style="font-family: Calibri;"><br /></span><br />
<strong style="font-family: Calibri;"><br /></strong>
<br />
<div class="separator" style="clear: both; text-align: center;">
<span style="font-family: Calibri;"><a href="http://3.bp.blogspot.com/-zkG_eo20USE/VNF3MdnU9YI/AAAAAAAACd8/_-_71orlrKY/s1600/049.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-zkG_eo20USE/VNF3MdnU9YI/AAAAAAAACd8/_-_71orlrKY/s1600/049.png" height="192" width="320" /></a></span></div>
<div style="text-align: center;">
<span style="font-family: Calibri;"><br /></span></div>
<span style="font-family: Calibri;">
*Went to the local Zoo a couple of times with our paid for membership. We ate
before going so we didn’t buy any food or souvenirs while there! <br />
*We went to the local public library a few times. One time we got to hear
firefighters talk about fire safety and the kids got to climb in the fire
truck!<br />
*We went to the local Science and History Museum a few times during the month
with our paid for membership. We ate before going so we didn’t buy any food or
souvenirs while there!<br />
*We went to friends’ houses to play games and the kids got to play together. Had
a blast!<br />
<br /><b>
January 2015 No Spend Challenge? Done</b></span><br />
<span style="font-family: Calibri;"><br /></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-Y-vYMkdp3Ms/VNF3c4_x7DI/AAAAAAAACeE/Qm3wIHW9p8Q/s1600/blog_176452_1830818_1354037795.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-Y-vYMkdp3Ms/VNF3c4_x7DI/AAAAAAAACeE/Qm3wIHW9p8Q/s1600/blog_176452_1830818_1354037795.jpg" height="240" width="320" /></a></div>
<span style="font-family: Calibri;"><br />
<br />
<strong>Conclusions…</strong>
<br />
Overall this No Spend Challenge, while more difficult than the one in October
2014, was still a good experience. We highly recommend this challenge to others
to try out at least once. It has helped us re-evaluate our financial and family
priorities. <br />
<br />
Maybe January wasn’t the best month to do this challenge. Still, we’re going to take a
good portion of what we saved and apply it to our mortgage. The rest will go to
giving and savings. <br />
<br />
What about you? Have you tried a No Spend Challenge? What did you learn and how
much did you save? <br />
<br />
#NoSpendChallenge<o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-35624413839503368712015-01-10T09:34:00.001-06:002015-01-10T16:50:45.313-06:00126. Total Money Makeover - Pay It Forward<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-Ef9_-MYxSCU/VLFGbUs2PcI/AAAAAAAACc0/bCaQzwcyk8w/s1600/TMMPayItFoward.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-Ef9_-MYxSCU/VLFGbUs2PcI/AAAAAAAACc0/bCaQzwcyk8w/s1600/TMMPayItFoward.jpg" height="243" width="320" /></a></div>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; white-space: pre-wrap;"><br /></span>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; white-space: pre-wrap;"><br /></span>
<span style="color: #141823; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; white-space: pre-wrap;">One of the keys to financial success is giving. Dave Ramsey talks a lot about giving. Baby Step 7 is focused on it. However, you don't have to be debt free to give. In this group we want to win with money and part of that means creating a culture of giving as well.</span><br />
<div class="_209g _2vxa" data-block="true" data-offset-key="fa1qe-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fa1qe-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe.0:$fa1qe-0-0"><br data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fa1qe.0:$fa1qe-0-0.0" /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22.0:$1rp22-0-0">Dave says: <b><i>“Giving to those in need will bring more joy than money could ever buy.” </i></b></span><br />
<span data-offset-key="1rp22-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$1rp22.0:$1rp22-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte.0:$2vvte-0-0">So what does it mean to Pay It Forward? Paying it forward can be defined as <b><i>"responding to another person's kindness to oneself by being kind to someone else." </i></b></span><br />
<span data-offset-key="2vvte-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$2vvte.0:$2vvte-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re.0:$cn6re-0-0">We have experienced this joy. Would you like to experience it to? The challenge is for you to do one of two things:</span><br />
<span data-offset-key="cn6re-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$cn6re.0:$cn6re-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="bjhru-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$bjhru" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="bjhru-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$bjhru.0:$bjhru-0-0"><b>Challenge 1:</b></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="7hnqv-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7hnqv" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="7hnqv-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7hnqv.0:$7hnqv-0-0">1a. If you don't own a copy of TMM buy a copy for yourself and your family. If you don’t have money to do so, sell some stuff or work overtime so you can buy a total of 3 copies.</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="d4pjt-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$d4pjt" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="d4pjt-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$d4pjt.0:$d4pjt-0-0">1b. Give a copy of the book to someone in this group.</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="c66qk-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$c66qk" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="c66qk-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$c66qk.0:$c66qk-0-0">1c. Give a copy of the book to a friend, family member, or acquaintance with a personalized note stating how the book has impacted your life. </span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd.0:$fvhmd-0-0">1d. Pass the TMM Pay It Forward Challenge on to someone else by sharing this post! Use the </span><span data-offset-key="5qgcp-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.0:$5qgcp-0-0">hashtag </span><span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;">#TMMPayItForward</span><br />
<span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="denlf-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$denlf" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="denlf-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$denlf.0:$denlf-0-0"><b>Challenge 2:</b></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="9a2ag-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$9a2ag" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="9a2ag-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$9a2ag.0:$9a2ag-0-0">2a. If you already own a copy of TMM, buy and give away 3 copies of TMM to three people. If you don’t have money to do so, sell some stuff so you can buy the 3 copies.</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="7e7gm-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7e7gm" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="7e7gm-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$7e7gm.0:$7e7gm-0-0">2b. Give a copy of the book to someone in this group. (See the list pictured below)</span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="b708e-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$b708e" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="b708e-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$b708e.0:$b708e-0-0">2c. </span>Give a copy of the book to a friend, family member, or acquaintance with a personalized note stating how the book has impacted your life.</div>
<div class="_209g _2vxa" data-block="true" data-offset-key="5ud2p-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5ud2p" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="5ud2p-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5ud2p.0:$5ud2p-0-0">2d. Give a copy of the book to a complete stranger. </span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="i6it-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$i6it" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="fvhmd-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$fvhmd.0:$fvhmd-0-0">2e. Pass the TMM Pay It Forward Challenge on to someone else by sharing this post! Use the </span><span data-offset-key="5qgcp-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.0:$5qgcp-0-0">hashtag </span><span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;">#TMMPayItForward</span><br />
<span class="_5u8n" data-offset-key="5qgcp-1-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$5qgcp.$5qgcp-1-0" spellcheck="false" style="background-color: rgba(88, 144, 255, 0.14902); border-bottom-color: rgba(88, 144, 255, 0.298039); border-bottom-style: solid; border-bottom-width: 1px;"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef.0:$drtef-0-0">Note1: You can buy and mail a good used copy of TMM through Amazon for about $10 shipping included! Dave’s website www.daveramsey.com also usually has some good deals as well. This challenge is absolutely optional. Participate at your own risk. :-)</span><br />
<span data-offset-key="drtef-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$drtef.0:$drtef-0-0"><br /></span></div>
<div class="_209g _2vxa" data-block="true" data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3" style="color: #141823; direction: ltr; font-family: 'helvetica neue', helvetica, arial, 'lucida grande', sans-serif; font-size: 12px; line-height: 16px; position: relative; white-space: pre-wrap;">
<span data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3.0:$dr8r3-0-0">Note 2: If you are doing The No Spend Challenge you wouldn’t be “breaking” your rules </span>by raising your income (making money by selling some stuff, working overtime, etc.) .<br />
<span data-offset-key="dr8r3-0-0" data-reactid=".2k.1:3:1:$comment831807226877627_832324000159283:0.0.$right.0.0.0.0.1.0.0.1.0.$dr8r3.0:$dr8r3-0-0"><br /></span>
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online: </span><a href="https://www.facebook.com/hashtag/eaglesoaringhigher" style="font-family: Helvetica;"><span style="color: #5a6fa5; font-family: Helvetica; text-decoration: none;">#</span><span style="color: #2d4486; font-family: Helvetica; text-decoration: none;">eaglesoaringhigher</span></a></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-6264017424708131322015-01-01T14:20:00.001-06:002015-01-17T12:52:39.902-06:00125. The "No Spend Challenge" Day 1 - January 2015<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-NKgFNIFjVxE/VKWpZHWYAJI/AAAAAAAACbo/MmEf6E9tWT8/s1600/The-No-Spend-Challenge1-1024x682.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-NKgFNIFjVxE/VKWpZHWYAJI/AAAAAAAACbo/MmEf6E9tWT8/s1600/The-No-Spend-Challenge1-1024x682.jpg" height="213" width="320" /></a></div>
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<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;">Time for another No Spend Challenge! This month we are challenging ourselves again to cut spending drastically with a “No Spend Month.” Check out <a href="http://eaglesoaringhigher.blogspot.com/2014/10/the-no-spend-challenge-day-1-october.html" target="_blank">our first challenge last year in October 2014</a>, also </span><a href="http://eaglesoaringhigher.blogspot.com/2014/11/the-no-spend-challenge-31-days-later.html" style="font-family: Arial; font-size: 17px;" target="_blank">what we learned 31 days later from our October 2014 No Spend Challenge</a><span style="color: #0e0f14; font-family: Arial;"><span style="font-size: 17px;">, and finally <a href="http://eaglesoaringhigher.blogspot.com/2014/11/the-no-spend-challenge-october-2014.html" target="_blank">some highlights from the month of October 2014</a>. </span></span><br />
<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;"><br /></span>
<span style="color: #0e0f14; font-family: Arial;"><span style="font-size: 13pt;">We've </span><span style="font-size: 17px;">actually</span><span style="font-size: 13pt;"> created a group with over 1300 members on Facebook called <a href="https://www.facebook.com/groups/1499371840327760/" target="_blank">The No Spend Challenge</a> to encourage and facilitate helping others take the challenge to save. </span></span><br />
<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;"><br /></span>
<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;">This is the first day so simply put we’re making the commitment and setting some ground rules.<br /><br />I think both of us are a little apprehensive about doing this challenge again. Even more so trying this again on a month that once again is essentially 5 weeks.<br /><br />Our goal is to save 20% of our budget by the end of the month. We believe this goal is SMART. It’s specific, measurable, attainable, realistic, and time-sensitive.<br /><br />Please note each family should account for their own circumstances. If there are known events like birthdays, vacations, vehicle maintenance, doctors appointments fit them in the budget and then move on. If you’re doing this for the first time and you don’t have a huge stockpile of food in the pantry, refrigerator, and freezer you’ll probably have to make a few trips to the store and include that in your rules as well.<br /><br />We’ve set our sights again not to spend money on anything outside of our basic necessities and eat from our food pantry, refrigerator, and freezer as much as possible. We’re limiting grocery shopping to essentials </span><span style="color: #0e0f14; font-family: Arial; font-size: 17px;">(milk, eggs, fresh fruit, etc.) </span><span style="color: #0e0f14; font-family: Arial; font-size: 13pt;">only.</span><br />
<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;"><br />These are the things that we will seek to avoid this month:<br /><br />No eating out at restaurants.<br />No Starbucks.<br />No shopping at stores.<br />No shopping online.<br />No excess entertainment (we already subscribe to Netflix monthly, but no Redbox or Amazon Online rentals). <o:p></o:p></span></div>
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<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;">No extras. (chocolate, manicures, pedicures, games, etc.)<br />No home décor.<br />No toys. (We tend to buy $1 toys at Target)<br />No crafts or hobbies.<br /><o:p></o:p></span></div>
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<span style="color: #0e0f14; font-family: Arial; font-size: 13pt;">We’ve agreed to a mini-budget to allow for our basic needs this month. This includes a small stipend for DW, myself, and miscellaneous expenses outside of our normal bills we may incur this month.</span><span style="color: #535353; font-family: Arial; font-size: 13pt;"> </span><br />
<span style="color: #535353; font-family: Arial; font-size: 13pt;"><br /></span>
<span style="color: #535353; font-family: Arial; font-size: 13pt;">We're also accounting for some free give aways in our new Facebook Group: <a href="https://www.facebook.com/groups/754714334613288/" target="_blank">Dave Ramsey - Total Money Makeover</a> (note the group has no official <o:p></o:p></span><span style="color: #535353; font-family: Arial;"><span style="font-size: 17px;">affiliation with Dave Ramsey). This group was officially launched last night about 9pm and already has 400 members! </span></span></div>
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<span style="color: #535353; font-family: Arial; font-size: 13pt;">We hope this challenge will help us once again refocus our efforts in reducing our debt. We also hope it will motivate us to be better stewards of the resources God has given us.<br /><br />We understand that life does not always go according to planned and our experiment may not go exactly as planned. However, we hope once again the discipline will prove beneficial and a good learning experience regardless of the outcome.</span><br />
<span style="color: #535353; font-family: Arial; font-size: 13pt;"><br /><br />Source I used: <a href="http://www.livingwellspendingless.com/31-days/livingwellspendingzero/">http://www.livingwellspendingless.com/31-days/livingwellspendingzero/</a></span><br />
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<b><span style="color: #10131a; font-size: 16pt;"><a href="https://www.facebook.com/hashtag/nospendchallenge">#nospendchallenge</a></span></b><br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<br /></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online: </span><a href="https://www.facebook.com/hashtag/eaglesoaringhigher" style="font-family: Helvetica;"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a><br />
<o:p></o:p></div>
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<br /></div>
<br />
<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-75312334947287682102014-12-13T07:00:00.000-06:002015-01-02T12:53:48.442-06:00124. FLOP – a Financial Life On a Paper<div class="MsoNormal">
Here’s the 4 step process to filling out a FLOP – a
Financial Life On a Paper.<o:p></o:p></div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/97MjPeh-qkM?feature=player_embedded' frameborder='0'></iframe></div>
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Download the spread sheet here:
<a href="https://docs.google.com/spreadsheets/d/1g5CLcVAiYSKvWr1f-5JA-8f0m44rrEQuuiH9EeV3WGo/edit?usp=sharing">https://docs.google.com/spreadsheets/d/1g5CLcVAiYSKvWr1f-5JA-8f0m44rrEQuuiH9EeV3WGo/edit?usp=sharing</a><o:p></o:p></div>
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1. Fill out a Balance Sheet<o:p></o:p></div>
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A balance sheet captures the full picture of your financial
health. Update it twice a year to see your progress. <o:p></o:p></div>
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It not only accounts for all the debt you have been paying
off but all of your good financial decisions such as increasing your emergency
fund, paying down debt, making wise investments which will affect your balance
sheet in a positive way. <o:p></o:p></div>
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To get a clearer picture of your financial health you need
to look at Assets (What you own), Liabilities (What you owe), and Net Worth
(What you own minus what you owe).<o:p></o:p></div>
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It looks like this:<o:p></o:p></div>
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Assets – Liabilities = Net Worth<o:p></o:p></div>
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2. Choose a Pass Code<o:p></o:p></div>
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A passcode is a phrase that you can use with different
variations. For example, what if you chose the following Pass Code:<o:p></o:p></div>
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Good2know! <o:p></o:p></div>
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This Pass Code has a capital letter “G”. It also has the
number 2. And it has a symbol in the exclamation mark “!”. You can rotate the
Pass Code by putting a combination of letters or numbers at the end of it.<o:p></o:p></div>
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For example:<o:p></o:p></div>
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Good2know!14<o:p></o:p></div>
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I chose 14 because the year is 2014. <o:p></o:p></div>
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Using a Pass Code allows you to remember passwords a lot
easier too!<o:p></o:p></div>
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I would recommend changing your Pass Code every 30 days. I
wouldn’t wait longer than 60 days if you forget.<o:p></o:p></div>
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Set a reminder on your phone or mark your calendar. Or even
perhaps simply make it a habit to change your Pass Code on the 1st of the
month.<o:p></o:p></div>
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3. Organize of all Login Information<o:p></o:p></div>
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After adding all your accounts and balances above in the
first step with the Balance Sheet simply start filling in the account
information, Login ID, Website, Phone, and Comments.<o:p></o:p></div>
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I’d put a pass code or password hint in the comments
section.<o:p></o:p></div>
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4. Leave A financial Roadmap for my Spouse or Significant Other<o:p></o:p></div>
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In most families one person manages the finances – this person
is often called “the Nerd” in the relationship. As opposed to the “Free Spirit”
– the uninhibited one. But I digress….<o:p></o:p></div>
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What would happen to the spouse or significant other if “the
Nerd” were to pass away? <o:p></o:p></div>
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Are you the money savvy person in the relationship? Does
your spouse or significant other know about or can they access your bank
accounts, investment accounts, safety deposit box, insurance policies, email
accounts, social media accounts, etc.?<o:p></o:p></div>
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I would either burn the file onto a CD or copy the file onto
a thumb drive. Then put it in a safe or safety deposit box. Update the FLOP
every 6 months. If you want to track your progress with your debt fill it out
every month or two. <o:p></o:p></div>
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Losing a loved one is a terribly difficult process. Having a
plan in advance for your loved one will eliminate additional, unnecessary
stress. <o:p></o:p></div>
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Note: If you can’t open the file download and install the
free version of Microsoft Office: http://www.openoffice.org/download/<o:p></o:p></div>
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#FLOP #PassCode #FinancialLifeOnaPaper #Login #NetWorth, #Password<br />
<br />
Are you ready to do your...<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-5dScX0CrsVo/VKbossnKyyI/AAAAAAAACb4/SiG1gIxY4Vw/s1600/Pic_Illusion_FlipFlop.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-5dScX0CrsVo/VKbossnKyyI/AAAAAAAACb4/SiG1gIxY4Vw/s1600/Pic_Illusion_FlipFlop.gif" height="146" width="320" /></a></div>
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<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><br /></span>
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online with the hashtag:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span></div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"></span><br />
<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span>Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-83685773846193679252014-12-08T18:54:00.001-06:002014-12-08T20:20:04.320-06:00123. Tutorial on a (Written) Monthly Cash Flow Plan<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-bmd0FYga2T8/VIZJMcAbs1I/AAAAAAAACbE/9kAFb14QGU4/s1600/ny2013_ai_budgeting_form.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-bmd0FYga2T8/VIZJMcAbs1I/AAAAAAAACbE/9kAFb14QGU4/s1600/ny2013_ai_budgeting_form.jpg" height="136" width="320" /></a></div>
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This Monthly Cash Flow Plan is going to be a bit more involved than the <a href="http://eaglesoaringhigher.blogspot.com/2014/11/tutorial-quick-start-budget-youtube.html" target="_blank">Quick-Start Budget</a>. But totally worth your time! This is where we get really serious about our budget, money, saving, cutting expenses, and changing our family tree! </div>
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For clarification in the tutorial example I'm assuming I'm making this budget for December 2014 and including Christmas gifts in my budget. </div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/PHyEG3B-SIc?feature=player_embedded' frameborder='0'></iframe></div>
<br />
Here's the direct link to the video: http://youtu.be/PHyEG3B-SIc<br />
<br />
Print off the Monthly Cash Flow Plan here and follow the video tutorial: http://www.daveramsey.com/tools/budget-forms/<br />
<br />
Dave Ramsey says:<br />
<br />
“Budgeting means spending every dollar on paper, on purpose BEFORE the month begins.”<br />
<br />
“Having a plan with money doesn’t just help you right now, it also gives you a vision and hope for the end goal.”<br />
<br />
“Budgeting for the first time can be scary, but you MUST face your fear.”<br />
<br />
“Doing a budget means learning an ancient and powerful word: NO!”<br />
<br />
“While getting out of debt, you’ll need to scale back on gifts or outings with family. Have the courage to be real about why.”<br />
<br />
Are these tutorials helping you? Please like the video or post a comment so I can get a feel for how many people still are needing help with a budget.<br />
<br />
#TotalMoneyMakeover #TMMChapterFour #Budget #Budgeting #MonthlyCashFlowPlan #FinancialFreedom #DaveRamsey<br />
<br />
Find the group on Facebook! <a href="https://www.facebook.com/groups/1502886716656167/" target="_blank">Dave Ramsey - Financial Freedom</a><br />
<br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online with the hashtag:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span>Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-66448610473033120292014-11-30T19:36:00.003-06:002014-12-08T18:53:22.647-06:00122. Tutorial "Quick-Start Budget" - YouTube<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #10131a; font-family: Helvetica; font-size: 14.0pt; mso-bidi-font-family: Helvetica;">Tutorial on how to create a "Quick-Start
Budget". Hope this helps! Leave a comment, like, and share!<o:p></o:p></span><br />
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<a href="http://3.bp.blogspot.com/-G3FPsLdS2U8/VHvHDidnZOI/AAAAAAAACaw/JNDip4_eq44/s1600/budgeting_icon_quickie-budget.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-G3FPsLdS2U8/VHvHDidnZOI/AAAAAAAACaw/JNDip4_eq44/s1600/budgeting_icon_quickie-budget.jpg" /></a></div>
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To find the form go to: <a href="http://l.facebook.com/l.php?u=http%3A%2F%2Fwww.daveramsey.com%2Ftools%2Fbudget-forms%2F&h=UAQH6R0eI&enc=AZPUno6twWc__qgGKJG8MkTr8eXaKjgJ5qteQ2tCmAVSnhf9SqtH8x2icGZSeUxsFLdDag5VBDUF6Dll0CfNk7qQxtd1sYJCXO6LnUtzL1_STIE9CTvnt8Myj-BbycrtQEG2kXuh7XACO7BtToRsCegRr_GQU7-LPnUHh_SLZYxi2w&s=1"><span style="color: #2d4486; text-decoration: none; text-underline: none;">http://www.daveramsey.com/tools/budget-forms/</span></a><br />
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</span><span style="font-family: Times; font-size: 16.0pt; mso-bidi-font-family: Times;">“Budgeting for the first time can be scary, but you MUST face your
fear.”<o:p></o:p></span></div>
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<span style="font-family: Times; font-size: 16.0pt; mso-bidi-font-family: Times;">“Doing a budget means learning an ancient and
powerful word: NO!”</span><span style="color: #10131a; font-family: Helvetica; font-size: 14.0pt; mso-bidi-font-family: Helvetica;"><br style="mso-special-character: line-break;" />
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<div class="MsoNormal">
<span style="font-family: Times; font-size: 16.0pt; mso-bidi-font-family: Times;">#TMMChapterFour #Budget #Budgeting #MonthlyCashFlowPlan
#FinancialFreedom #DaveRamsey #TotalMoneyMakeover #Eaglesoaringhigher</span><o:p></o:p></div>
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<iframe allowfullscreen='allowfullscreen' webkitallowfullscreen='webkitallowfullscreen' mozallowfullscreen='mozallowfullscreen' width='320' height='266' src='https://www.youtube.com/embed/CuHW1dYaFGs?feature=player_embedded' frameborder='0'></iframe></div>
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online with the hashtag:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Times; font-size: 16.0pt; mso-bidi-font-family: Times;"></span><br />
<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-20299885304539970802014-11-18T17:49:00.001-06:002014-12-08T18:52:51.328-06:00121. Zero Based Budgetting<div>
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<a href="http://4.bp.blogspot.com/-QJmQLnW_GwY/VGuPcLJd2sI/AAAAAAAACZM/tRHVWD9yQzY/s1600/budgetingsimplified.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-QJmQLnW_GwY/VGuPcLJd2sI/AAAAAAAACZM/tRHVWD9yQzY/s1600/budgetingsimplified.jpg" height="163" width="320" /></a></div>
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Are you on a budget? Have you heard of zero-based budgeting? Why not try a zero-based budget today?<br />
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I've found the concept of a zero-based budget to be pretty simple and very useful. The basic concept is: income minus expenses equals zero. <br />
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Or... I'm more visual so here's how it looks:<br />
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Income - Expenses = $0<br />
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That way you know where every dollar is going and every dollar is accounted for. Not knowing where money is going hurts our financial situation, causes stress, and often means we end up with a shortage at the end of the month.<br />
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So… Here’s what I’d do:<br />
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1. Take a sheet of paper and list all your income for the month. Paychecks, side jobs, child support, etc. Then add it all up. <br />
<br />
2. On the other side of the page write down every expense you have each month. This can include rent/mortgage, food, gas, car insurance, internet, cable/satellite, kids school expenses, and everything in between. Every month your expenses will vary so you need to adjust this on a monthly (or weekly/bi-weekly basis). <br />
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3. If the income doesn’t match the expenses don’t freak out. This just means you need to do something to adjust one of the numbers down, up, or possibly both. <br />
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4. If you spend more than you make you’ll need to make some cuts to help make your income match your expenses. <br />
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5. You should have $0 left over. Meaning if you end up with $50 ahead you haven’t finished your budget. Put the $50 towards a category be it your savings (emergency fund), your debt, another expense category, or something else. <br />
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6. Remember you are the boss of the budget. It doesn’t control you. You control the budget and adjust it as needed. It is a guide to help you win with money. :)</div>
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online with the hashtag:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-20545342444289477792014-11-15T06:45:00.002-06:002014-11-21T07:19:44.217-06:00120. Tips to Save Money - Part 14<div class="MsoNormal">
<span style="font-family: Arial;">What are some of your tips to save money? Here’s some personal experience on great ways to save an extra buck. I'd love to hear your tips! I have a list of about 60+ tips to save money. This is part 14 tips 51-53. I hope you enjoy!</span><b><span style="color: #1a1a1a; font-family: Arial;"><br /></span></b>
<b><span style="color: #1a1a1a; font-family: Arial;"><br /></span></b>
<b><span style="color: #1a1a1a; font-family: Arial;">51. Ditch Delivery Pizza.</span></b><span style="color: #1a1a1a; font-family: Arial;"><o:p></o:p></span><br />
<b><span style="color: #1a1a1a; font-family: Arial;"><br /></span></b>
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<a href="http://3.bp.blogspot.com/-dW956KMv3do/VBTu5eT6TGI/AAAAAAAACGw/DHs-cyhP6-s/s1600/delicious_pizza-wallpaper-800x600.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-dW956KMv3do/VBTu5eT6TGI/AAAAAAAACGw/DHs-cyhP6-s/s1600/delicious_pizza-wallpaper-800x600.jpg" height="240" width="320" /></a></div>
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<span style="color: #1a1a1a; font-family: Arial;">Buy frozen pizza at the store. Save $10-20 by pre-heating the oven and cooking at home instead of using Papa’s. Where we live you can get a large supreme pizza for $7.49 or a large cheese pizza for $6.99 at Aldi’s, Sam’s, or Costco.<o:p></o:p></span></div>
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<b><span style="color: #1a1a1a; font-family: Arial;">52. Skip the Ice Cream Shop<o:p></o:p></span></b><br />
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<a href="http://4.bp.blogspot.com/-ea2oFDcorsk/VBTvJmAUWbI/AAAAAAAACG4/fXrGv-p_5kE/s1600/rome-ice.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-ea2oFDcorsk/VBTvJmAUWbI/AAAAAAAACG4/fXrGv-p_5kE/s1600/rome-ice.jpg" height="195" width="320" /></a></div>
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<span style="color: #1a1a1a; font-family: Arial;">Buy your ice cream at the grocery store. Typically, you can get 3 to 4 times the ice cream for your dollar at your grocery store. </span></div>
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<span style="color: #1a1a1a; font-family: Arial;"><b>53. Invite friends over instead of going out. </b><o:p></o:p></span><br />
<span style="color: #1a1a1a; font-family: Arial;"><b><br /></b></span>
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<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-A-Lbwu-3vCg/VGdKrINuTJI/AAAAAAAACYo/GclZWVUyUR4/s1600/0423trivia.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-A-Lbwu-3vCg/VGdKrINuTJI/AAAAAAAACYo/GclZWVUyUR4/s1600/0423trivia.jpg" height="240" width="320" /></a></div>
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Have friends over for a cookout, potluck meal, tacos, or homemade pizza, etc. Great time to hang out playing games or watching a good movie.<br />
<br />
<span style="font-family: Arial;">See the <a href="http://eaglesoaringhigher.blogspot.com/p/blog-page_28.html" target="_blank">full list of tips to save money</a> for the other tips and parts! Leave a comment! </span><br />
<span style="font-family: Arial;"><br /></span>
<br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-11692775844012007362014-11-08T11:01:00.004-06:002014-11-21T07:19:55.248-06:00119. Re-Thinking Finances - Part 2 (Total Money Makeover)<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-P9bof1RV8vA/VF5LNdWlQII/AAAAAAAACYI/wvFmFBedMVQ/s1600/TMM-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-P9bof1RV8vA/VF5LNdWlQII/AAAAAAAACYI/wvFmFBedMVQ/s1600/TMM-1.jpg" height="180" width="320" /></a></div>
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<!--StartFragment--><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Time to continue re-evaluating some things based on what
I’ve learned from “The Total Money Makeover” by Dave Ramsey. <a href="http://eaglesoaringhigher.blogspot.com/2014/11/rethinking-finances-part-1.html" target="_blank">Be sure to check out part 1 too</a>. </span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"><br /></span>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">Here’s part 2 of
what I call “Rethinking Finances”:</span><span style="font-family: Cambria;"><br />
<br />
<b><span style="font-size: large;">D. Cosigning Loans</span></b></span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-gM3BoCLSd9g/VF5LasSNgKI/AAAAAAAACYQ/UAVQCoWRtbQ/s1600/co-sign-loan.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-gM3BoCLSd9g/VF5LasSNgKI/AAAAAAAACYQ/UAVQCoWRtbQ/s1600/co-sign-loan.jpg" height="144" width="320" /></a></div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span>
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It is said that you are helping by cosigning a loan for a friend or family
member. While it may be helpful for people trying to establish credit, be ready
to repay that loan. The credit union, bank, or lending financial institution
wants a cosigner for a reason. That reason being that statistically speaking
the lender doesn’t expect the friend or family member to pay. If the friend or
family member doesn’t pay on their loan it will seriously negatively affect the
cosigner’s credit as well. And if the friend or family member doesn’t pay the
bank will come after the cosigner! </span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">(TMM,
Ch. 3)<br />
<br /><i>
“We continue to believe the myth that a loan to a loved one is a blessing.” –
Dave Ramsey<br />
<br />
“This sums up cosigning; broken hearts and broken wallets.” – Dave Ramsey </i><br />
<br />
Here’s’ some passages in the Bible that speak to this issue of lending money to
family. <br />
<br />
</span><b><i><span style="color: #010f18; font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: Arial; mso-bidi-language: AR-SA; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">One
who has no sense shakes hands in pledge and puts up security for a neighbor.</span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;"> <br />
Prov. 17:18<br />
<br />
The rich rules over the poor, and the borrower becomes the lender’s slave. <br />
Prov. 22:7<br />
<br />
Do not be a man who strikes hands in pledge or puts up security for debts; if
you lack the means to pay your very bed will be snatched from under you. <br />
Prov. 22:26-7 </span></i></b><span style="font-family: Cambria;"><br />
<br />
<b><span style="font-size: large;">E. Cash Advance, Rent-to-Own, & Payday
loans</span></b></span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-QLpF-E6zBlM/VF5L_49SndI/AAAAAAAACYY/dvqXWlpsni8/s1600/Signs-to-Spot-Loan-Sharks.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-QLpF-E6zBlM/VF5L_49SndI/AAAAAAAACYY/dvqXWlpsni8/s1600/Signs-to-Spot-Loan-Sharks.jpg" height="192" width="320" /></a></div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b>
Cash advance, lay away, payday loans, rent-to-own, title companies, and pawn
stores help lower-income people get ahead. Absolutely false! These businesses are
designed to take advantage of lower-income people in "helping" them
buy or spend what they can't afford. The only people who make money are the
salesmen, managers, repo men, and owners. (</span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">TMM,
Ch. 3)<br />
<br /><i>
“It is human nature to want it and want it now; it is also a sign of
immaturity.” – Dave Ramsey</i></span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br />
<br />
Towards the end of my nearly decade-long career in the retail industry, the
company I worked for began a partnership with a rent-to-own company. With our
company customers could expect to pay 21 to 29% interest. If the customer
didn’t qualify for our store credit they were directed towards this rent-to-own
“alternative” where they could pay 3-4 times the value of the product. A $500
Plasma TV through our company would’ve cost anywhere from $750 to $1000. But a
$500 Plasma TV might end up costing the customer $2000 or more with the
rent-to-own company. <br />
<br /><i>
“These types of businesses are legalized loan-sharking.” – Dave Ramsey </i><br />
<br /><i>
“We buy things we don’t need with money we don’t have in order to impress
people we don’t like.” – Dave Ramsey</i><br />
<!--[if !supportLineBreakNewLine]--></span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /></span>
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<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><span style="font-family: Cambria;">How have you been rethinking finances recently? Have you read "The Total Money Makeover"? </span></span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /></span>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-45488968171774038912014-11-07T09:54:00.003-06:002014-11-21T07:20:03.065-06:00118. Re-Thinking Finances - Part 1 (Total Money Makeover)<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-X_QyV5fo5_o/VFz_KYKh9lI/AAAAAAAACX4/QTUEAIXNDS8/s1600/TMM-1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-X_QyV5fo5_o/VFz_KYKh9lI/AAAAAAAACX4/QTUEAIXNDS8/s1600/TMM-1.jpg" height="180" width="320" /></a></div>
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Time to re-evaluate some things based on what I’ve learned
from “<a href="http://www.amazon.com/The-Total-Money-Makeover-Financial/dp/159555078X" target="_blank">The Total Money Makeover</a>” by <a href="http://www.daveramsey.com/home/" target="_blank">Dave Ramsey</a>. Here’s part 1 of what I call “Rethinking
Finances”:<br />
<b><br /><span style="font-size: large;">A. Debt Consolidation</span></b></div>
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<b><br /></b></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-T46-yZ1f9ik/VFzqS-7IzoI/AAAAAAAACXY/ApWiKkhaxw0/s1600/Bill-consolidation-and-debt-consolidation1.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-T46-yZ1f9ik/VFzqS-7IzoI/AAAAAAAACXY/ApWiKkhaxw0/s1600/Bill-consolidation-and-debt-consolidation1.jpg" height="212" width="320" /></a></div>
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<b><br /></b></div>
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<b><br /></b>
Debt consolidation is the answer to your financial problems right? It will save
you on interest and you'll have a smaller payment. But hold on a minute. The
truth is by consolidating debt you are typically just extended the terms of the
payments. (TMM, Ch. 2)<br />
<br />
In other words, for example instead of paying $500 a month for 20 years ($500 x
12 months x 20 years = $120,000 in total payments) you are paying $400 a month
for 30 years ($400 x 12 months x 30 years = $144,000 in total payments). Sure
you lowered the monthly payment but you are paying an additional 24k in total
payments...<br />
<b><br /><span style="font-size: large;">B. Playing the Lottery</span></b><br />
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-3BNwtRnRh4A/VFzqisVPjDI/AAAAAAAACXg/th35ibJRj3E/s1600/Playing-the-Lottery.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://2.bp.blogspot.com/-3BNwtRnRh4A/VFzqisVPjDI/AAAAAAAACXg/th35ibJRj3E/s1600/Playing-the-Lottery.jpg" height="213" width="320" /></a></div>
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<br /></div>
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It is said playing the lottery will make you rich right? People do it every day
expecting the "big payout" where they can leave their job and live
the "good life" when they win. Some of my co-workers do this very
thing. And they're fairly educated and financially savvy which is a little
frustrating. The lottery is a tax on the poor and those who can't do basic
math. </div>
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<br /></div>
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Let's say for example that winning the lottery is one in 175 million. If
I recall correctly you have about a good a chance of winning the lottery as
getting struck by lightening twice in the same exact place. Very
improbable. Gambling in general offers
false hope while taking people's money paycheck to paycheck. Getting rich quick doesn't work. What people need
is a "Total Money Makeover". (TMM, Ch. 3)<o:p></o:p></div>
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<br /></div>
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See <a href="http://www.huffingtonpost.com/ronald-l-wasserstein/chances-of-winning-powerball-lottery_b_3288129.html" target="_blank">this article</a> if you're a nerd like me and want to look at the numbers in more detail. <o:p></o:p></div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /></span>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /><b><span style="font-size: large;">C. Loaning Money to Friends or Family</span></b></span><br />
<div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-xEcAfD-IE28/VFzq4Vkk-_I/AAAAAAAACXo/SJg6kzDYSvQ/s1600/family-money2-ts.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-xEcAfD-IE28/VFzq4Vkk-_I/AAAAAAAACXo/SJg6kzDYSvQ/s1600/family-money2-ts.jpg" height="205" width="320" /></a></div>
<div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b></span></div>
<div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><b><br /></b>
It is said that if you loan money to friend or relatives you are helping them
right? Often when loaning money to a friend or relative the relationship will
be strained or even destroyed. The relationship becomes that of a master
(lender) and a servant (borrower). The way I see it is best just to offer a
friend or family member a gift. If they pay you back then great. If the debt or
gift is not repaid there are no hard feelings. </span><br />
<div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /></span></div>
<div>
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;">Also keep in mind that with
friends or relatives that are constantly making poor financial choices may in
fact be detrimental or enabling to them. Carefully consider if a gift will help
or hinder the person by encouraging bad behavior. </span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: "MS 明朝"; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-fareast; mso-hansi-theme-font: minor-latin;">(TMM,
Ch. 3)</span><span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br />
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<!--[endif]--></span><!--EndFragment--><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;">Be sure to check out <a href="http://eaglesoaringhigher.blogspot.com/2014/11/re-thinking-finances-part-2-total-money.html" target="_blank">part 2 here</a>!</span><br />
<span style="font-family: Cambria; font-size: 12.0pt; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Arial Unicode MS"; mso-bidi-language: AR-SA; mso-fareast-font-family: "Arial Unicode MS"; mso-fareast-language: EN-US; mso-hansi-theme-font: minor-latin;"><br /></span></div>
<div>
<span style="font-family: Cambria;">How have you been rethinking finances recently? Have you read "The Total Money Makeover"? </span><br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-72598096877861260282014-11-05T05:23:00.002-06:002014-11-21T07:19:26.742-06:00117. Do you believe that car payments are a way of life?<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-z0pCElRiHnU/VFoHP_NyRsI/AAAAAAAACXA/nncpJxZBlpw/s1600/10624632_10101150414362444_4587990564884678398_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-z0pCElRiHnU/VFoHP_NyRsI/AAAAAAAACXA/nncpJxZBlpw/s1600/10624632_10101150414362444_4587990564884678398_n.jpg" height="200" width="320" /></a></div>
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Do you believe that car payments are a way of life?<br />
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We have been free of car payments since 2011. We bought a 2003 Toyota Sienna last year (2013). Paid $8k for it cash. We were very happy to let someone else pay for the depreciation on our family van. We hope it last till 200k to 250k miles! Still, we are saving a little each month towards the purchase of a new vehicle.<br />
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Here's what Dave says about car payments... in Total Money Makeover chapter 3:<br />
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“Myth: Car payments are a way of life; you’ll always have one.<br />
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Truth: Staying away from car payments by driving reliable used cars is what the average millionaire does; that is how he or she became a millionaire.<br />
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Taking on a car payment is one of the dumbest things people do to destroy their chances of building wealth. The car payment is most folks’ largest payment except for their home mortgage, so it steals more money from the {family} income than virtually anything else.<br />
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A new $28,000 car will lose about $17,000 of value in the first 4 years you own it. That is almost $100 per week in lost value. To understand what I'm talking about open your window on your way to work once a week and throw out a $100 bill. The average millionaire drives a 2 year old car with no payments. He or she simply bought it.”<br />
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From my book review of <a href="http://eaglesoaringhigher.blogspot.com/2014/03/a-book-review-millionaire-next-door.html" target="_blank">The Millionaire Next Door</a>:<br />
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<b>3. They believe that financial independence is more important that displaying high social status.</b><span style="font-family: Calibri; mso-bidi-font-family: Calibri;"> The authors point out on multiple occasions that millionaires don’t have fancy cars. Millionaires drive the same vehicle for years.<o:p></o:p></span></div>
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<span style="font-family: Calibri; mso-bidi-font-family: Calibri;">============ </span><br />
<i>“There is an inverse relationship between the time spent purchasing luxury items such as cars and clothes and the time spent planning one’s financial future” </i><i><br /></i><span style="font-family: Calibri; mso-bidi-font-family: Calibri;">============</span><i> </i><span style="font-family: Calibri; mso-bidi-font-family: Calibri;"><o:p></o:p></span><br />
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<span style="font-family: Calibri; mso-bidi-font-family: Calibri;">Of interest… <br />*Over 80% of millionaires purchase their vehicle while the rest lease. <br />*Only 23.5% of millionaires interviewed own a brand new car.<br />*A typical millionaire only spends on average $24,800 for his or her most recent car purchase.<b> </b>*About half of the millionaires surveyed never spent more than $29,00 for a single vehicle. <br />*Most American millionaires like to buy American-made vehicles such as Fords, Chryslers, Chevrolets, and Cadillac’s.</span><br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
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<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com2tag:blogger.com,1999:blog-494333473585477346.post-73285285157600141092014-11-03T20:14:00.001-06:002014-11-21T07:22:36.624-06:00116. The No Spend Challenge - October 2014 Highlights<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-h50LNCNk99U/VFg2kErD09I/AAAAAAAACWw/p2-GWztLGZg/s1600/The-No-Spend-Challenge1-1024x682%2Bcopy%2B2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-h50LNCNk99U/VFg2kErD09I/AAAAAAAACWw/p2-GWztLGZg/s1600/The-No-Spend-Challenge1-1024x682%2Bcopy%2B2.jpg" height="213" width="320" /></a></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">Some highlights from <a href="http://eaglesoaringhigher.blogspot.com/2014/11/the-no-spend-challenge-31-days-later.html" target="_blank">this past month's no spend challenge</a>:</span><br />
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<b><span style="font-size: 16pt;">Day 2: Craft time at a church. Lunch provided!</span></b><br />
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<b><span style="font-size: 16pt;">Day 3: Game night & dinner at friends house!</span></b><br />
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<b><span style="font-size: 16pt;">Day 4: Had a good lunch with grandparents at their place. </span></b><b><span style="font-size: 16pt;">Enjoyed a meal </span></b><b><span style="font-size: 16pt;">at night </span></b><b><span style="font-size: 16pt;">with our church small group!</span></b><br />
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<b><span style="font-size: 16pt;">Day 9: Raided our loose change piggy bank for a $4 treat at Sonic. </span></b></div>
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<b><span style="font-size: 16pt;">Day 10: Got 6 DVDs and 3 books at the library #lovefreestuff</span></b><br />
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<b><span style="font-size: 16pt;">Day 17: Fun times at the Science & History Museum!</span></b><br />
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<b><span style="font-size: 16pt;">Day 18: Enjoyed a meal </span></b><b><span style="font-size: 16pt;">at night </span></b><b><span style="font-size: 16pt;">with our church small group!</span></b><br />
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<b><span style="font-size: 16pt;">Day 22: A tank of gas lasted 24 days with the civic! #wohoo</span></b><br />
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<b><span style="font-size: 16pt;">Day 24: Boo at the Zoo! Free candy and game booths! </span></b><br />
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<b><span style="font-size: 16pt;">Day 24: Got to hang out with friends, play games, and roast </span><span style="font-size: 21px;">marshmallows</span><span style="font-size: 16pt;"> over candles.<br /><br />Day 25: Cleared out the garage. Sold books and got $32 from Half Priced Books. Wohoo!</span></b><br />
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<b><span style="font-size: 16pt;">Day 26: Fall festival at our church! Great company, bounce house, free meal, face painting, </span></b><span style="font-size: 21px;"><b>canoe rides, and hay rides. Wohoo! </b></span><br />
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<b><span style="color: #10131a; font-size: 16pt;">Day 27: Got 8 DVDs and 8 books at the library. #lovefreestuff</span></b><br />
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<b><span style="color: #10131a; font-size: 16pt;">Day 30: Today I drove a new car rental Toyota Camry. For a brief moment I thought about how nice it would be to drive a new car. Then I remembered I love my little paid off Honda Civic. #nocarpayment</span></b><br />
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<b><span style="color: #10131a; font-size: 16pt;">Day 31: Went to two trunk or treats. Dinner was provided. Free candy and activities for the kids. Used the candy to give away to our neighborhood kids. </span></b><br />
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<b><span style="color: #10131a; font-size: 16pt;"><a href="https://www.facebook.com/hashtag/nospendchallenge">#nospendchallenge</a></span></b><br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-27432090505207410532014-11-01T21:36:00.002-05:002014-11-21T07:23:01.296-06:00115. The No Spend Challenge - 31 Days Later: What We Learned<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-eY1C6isLfXo/VFQ19NZQ16I/AAAAAAAACVg/-Q5LR8oANic/s1600/The-No-Spend-Challenge1-1024x682%2Bcopy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-eY1C6isLfXo/VFQ19NZQ16I/AAAAAAAACVg/-Q5LR8oANic/s1600/The-No-Spend-Challenge1-1024x682%2Bcopy.jpg" height="213" width="320" /></a></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">Last month our family <a href="http://eaglesoaringhigher.blogspot.com/2014/10/the-no-spend-challenge-day-1-october.html" target="_blank">did the no spend challenge (click for the challenge we gave ourselves on October 1st)</a>. Our goal as a family of 4 was to save $800 in October 2014. We are happy to report that we more than doubled that savings goal!<o:p></o:p></span><br />
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><b>A. What We Did: </b></span><br />
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<a href="http://3.bp.blogspot.com/-CSIZwb8O25w/VFWVQdJtqfI/AAAAAAAACWA/1yn4ZNpKlnI/s1600/We%2BDid.gif" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://3.bp.blogspot.com/-CSIZwb8O25w/VFWVQdJtqfI/AAAAAAAACWA/1yn4ZNpKlnI/s1600/We%2BDid.gif" height="176" width="320" /></a></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span><span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We ate primarily what was in our fridge, pantry, and freezer. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We bought very minimal groceries. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We did eat out some (4 times) but typically spent less than $20 per trip. I also took a friend out to eat. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We resisted Starbucks runs. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We didn't shop at department stores at the mall. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We spent next to nothing extra on entertainment (no Amazon or Redbox rentals).</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We bought no home decor.</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We spent a fraction of what we normally spend on crafts and hobbies. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We avoided $1 toys at Target. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*What was excluded from this challenge: Mortgage, Utilities, Netflix, Giving (including a fundraiser for the <a href="http://www.phcfw.org/" target="_blank">Pregnancy Help Center</a>), Health Expenses, Sinking Fund Savings, Diapers & Wipes, etc.<br />*We cleared out the garage and sold books to Half Priced books for $32! </span></div>
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<a href="http://4.bp.blogspot.com/-aDjMkW83qF0/VFWUWD09o-I/AAAAAAAACVw/qlNuoCoFFGI/s1600/what-we-learned-rukkle-620X4002.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-aDjMkW83qF0/VFWUWD09o-I/AAAAAAAACVw/qlNuoCoFFGI/s1600/what-we-learned-rukkle-620X4002.jpg" height="206" width="320" /></a></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We CAN live on a lot less than we thought we
could.<o:p></o:p></span></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We CAN resist the urge to impulse buy when we
have a motivation to do so. <o:p></o:p></span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Instead of a 24-48 hour wait time to evaluate purchases this was like a 31 day wait time to evaluate purchases. </span></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*If we wait to buy, a lot of times we can get it
cheaper or on sale. </span></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We made it on a week of groceries for example with canned
goods, bread, eggs, milk, some fruit, and yogurt. <o:p></o:p></span></div>
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<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We spent less money because we really evaluated
purchases as to whether they were needs or wants. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Turns out a lot of what we looked at were wants. <o:p></o:p></span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*A tank of gas for the Civic lasted 24 days! </span></div>
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<b>C. Some Highlighted Areas We Saved Money:</b><br />
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<a href="http://1.bp.blogspot.com/-l_e1CghnYnc/VFWWVd1E26I/AAAAAAAACWM/wCBrhgBjQD0/s1600/savings.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-l_e1CghnYnc/VFWWVd1E26I/AAAAAAAACWM/wCBrhgBjQD0/s1600/savings.jpg" height="320" width="320" /></a></div>
<b><br /></b>
<br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We spent about $315 on groceries and eating out for the month. Typically we'd spend $600-800. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*This included about $25 for a work related
trip. Normally on trips I'd easily spend $50-60. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Last month we spent $840 between groceries and eating out. Wow!</span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We also enjoyed some free meals with family, friends, and at our
local church. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We spent $88 on gas this month. Typically we'd
spend $120-200. Filled up the car and the van only once. </span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Last month we spent $163 on gas. <o:p></o:p></span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><b>D. For Fun & Entertainment: </b></span><br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-Hzznzc_9xVU/VFWX_CeTNiI/AAAAAAAACWY/GPbV6ZsBCPQ/s1600/049.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-Hzznzc_9xVU/VFWX_CeTNiI/AAAAAAAACWY/GPbV6ZsBCPQ/s1600/049.png" height="192" width="320" /></a></div>
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Went to the local public library three times. We checked out books and
DVD’s for free. <o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Went to the local Zoo twice since we have a family
membership pass.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Went to the local Science and History Museum since we have a family membership pass.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Went to local parks at least once a week. One
time we even had a picnic. <o:p></o:p></span></div>
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<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><b>E. For Halloween:</b><o:p></o:p></span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><b><br /></b></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We went to Boo at the Zoo, fall parties, and
other fall festivals where we accumulated candy. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*We decided we didn’t need to eat 3 buckets worth of candy. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Instead of buying candy at the store, we gave out most of the candy we had accumulated to our neighborhood kids when they came “trick or treating”. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Some friends and family kindly let us borrow Halloween costumes for our kids. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">*Money spent on Halloween: $0 (In contrast see what <a href="http://m.theatlantic.com/business/archive/2014/10/wait-americans-spend-how-much-on-halloween/381631/" target="_blank">Americans spent this year</a>.)</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">October 2014 No Spend Challenge? Done.</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-wTx1vSe1vDg/VFWYek1lMiI/AAAAAAAACWg/y8aHL7twgUU/s1600/blog_176452_1830818_1354037795.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-wTx1vSe1vDg/VFWYek1lMiI/AAAAAAAACWg/y8aHL7twgUU/s1600/blog_176452_1830818_1354037795.jpg" height="240" width="320" /></a></div>
<div class="separator" style="clear: both; text-align: center;">
<br /></div>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br />
Overall this no spend challenge was a very good experience. We highly recommend it to others to try out. It has changed our outlook on money
and finances. </span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">October was a great month to do this as it’s right before the
holidays of Thanksgiving in November and Christmas in December. We're going to take a good portion of what we saved and apply it to our mortgage.</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">Thanks to my wife for helping me with this post. ;-)</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span>
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;">Be sure to check out <a href="http://eaglesoaringhigher.blogspot.com/2014/11/the-no-spend-challenge-october-2014.html" target="_blank">this past months highlights</a>!<br />
<br />
What about you? Have you tried a no spend challenge? What did you learn and how
much did you save? Leave a comment!</span><br />
<span style="font-family: Helvetica; font-size: 13.0pt; mso-bidi-font-family: Helvetica;"><br /></span></div>
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Anonymoushttp://www.blogger.com/profile/06568342233435153081noreply@blogger.com0tag:blogger.com,1999:blog-494333473585477346.post-25724069021927027552014-10-31T21:14:00.002-05:002014-11-21T07:42:18.535-06:00114. Should I cash out my 401k to pay debt?<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">I read recently “Should I cash out my 401k to pay
debt?”<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">The answer is: No! Don’t cash out your 401k!<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">According to a recent article in <a href="https://www.fidelity.com/viewpoints/retirement/cashing-out"><span style="color: blue;">February 2014 with data compiled by Fidelity</span></a> one
in three 401k participants have cashed out of his or her plan, often when
changing jobs. <o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">Cashing out a 401k is an easy way to generate a
short-term cash need. But it’s a bad idea.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">If you invest $5,500 that investment in an IRA could
grow to over $58,000 in a period of 35 years. <o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">If you do cash it out typically your plan
administrator will withhold 20% of the balance and sends it to the IRS to core
the taxes you'd pay in a withdrawal. </span><span style="color: #1a1a1a; font-family: Calibri; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">On top of that investors younger than 59 1/2 who cash
out may face an additional 10% early withdrawal penalty. </span><span style="color: #1a1a1a; font-family: Calibri; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">So in essence you'd pay a 30% "stupid tax"
as Dave Ramsey calls it.</span><span style="color: #1a1a1a; font-family: Calibri; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">What you CAN do is apply for <a href="http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-regarding-Hardship-Distributions"><span style="color: blue;">hardship withdrawal with the IRS</span></a> from your 401k,
403b, or 457b but that can be tricky. You'd still have to pay income taxes and
likely an additional 10% penalty.<o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">When switching jobs instead of cashing out your 401k
consider rolling it over into a Traditional IRA, Roth IRA, or stick with
another 401k. <o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">My personal 401k which I rolled over in my previous
job has more than tripled in value in the last 3-4 years.</span><span style="color: #1a1a1a; font-family: Calibri; mso-bidi-font-family: Calibri;"><o:p></o:p></span></div>
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<span style="color: #1a1a1a; font-family: Helvetica; mso-bidi-font-family: Helvetica;">Have you considered cashing out your 401k? When
switching jobs did you rollover to another 401k? Or did you rollover into a
Traditional or Roth IRA?</span></div>
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<b><span style="color: #10131a; font-size: 16pt;"><br /></span></b>
<br />
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<span style="font-family: Helvetica;">-------------------------------------------------------</span><o:p></o:p></div>
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<br /></div>
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<span style="color: #10131a; font-family: Helvetica;">Follow me on Twitter! <a href="https://twitter.com/JWKEagle" target="_blank">@JWKEagle</a><o:p></o:p></span><br />
<br />
<span style="color: #10131a; font-family: Helvetica;">Check out my pins on Pinterest! </span><a href="http://www.pinterest.com/jonathanwkey/" target="_blank">http://www.pinterest.com/jonathanwkey/ </a></div>
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<span style="color: #10131a; font-family: Helvetica;"><span style="color: #5a6fa5;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher?source=feed_text&story_id=10152296699981012"></a></span></span><br />
<span style="color: #10131a; font-family: Helvetica;">Also look for the blog's website online:</span><br />
<span style="color: #10131a; font-family: Helvetica;"><a href="https://www.facebook.com/hashtag/eaglesoaringhigher"><span style="color: #5a6fa5; text-decoration: none;">#</span><span style="color: #2d4486; text-decoration: none;">eaglesoaringhigher</span></a></span><o:p></o:p></div>
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<span style="font-family: Helvetica; font-size: 16pt;">Looking for a particular topic? Please check out the new </span><a href="http://eaglesoaringhigher.blogspot.com/p/topics-page-eaglesoaringhigher.html" style="font-family: Helvetica; font-size: 16pt;"><span style="color: #420178;">Table of Contents</span></a><span style="font-family: Helvetica; font-size: 16pt;"> to see posts listed by topic. </span><span style="color: #141414; font-family: Arial; font-size: 13pt;"> </span></div>
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