Posted by: prosperingchristians | January 13, 2017

Wealth Building with Life Insurance



There are several reasons why purchasing a whole life insurance can assist in accumulating wealth for the family. This is not a concept that is readily known by some families. It is a concept that many wealthy families use to accumulate wealth.

A whole life insurance policy is one that accumulates cash value while providing a fixed benefit amount to a beneficiary upon the death of the policyholder. This death benefit is guaranteed and will always be there if the premiums are paid. The cash value begins to accumulate within two or three years, depending on the life insurance company which is providing the benefit.

The cash value accumulates in the policy every year and is not a value which can be lost due to a declining stock market. Therefore, the value never declines. This is beneficial if the policy owner needs to withdraw the cash for an impending need. On the contrary, money that is invested in stocks and mutual funds fluctuate each year and there is no guarantee against loss.

Additionally, the policy holder can have access to the cash without having to pay taxes or a penalty. He/she would only have to pay the money back with interest, usually about six percent, if they desire to pay it back. If they do not pay it back, the amount borrowed is deducted from the death benefit.

To increase wealth, policyholders can use the cash value for real estate purchases, automobile financing, and private lending. Most people will use it for the emergencies which transpire, such as flat tires or replacement of appliances. However, consider using the cash value to accelerate your wealth with real estate or for a down payment on an automobile. This will involve planning to determine the best time to make a purchase such as this, but purchasing a home will result in a tax shelter for many families and individuals.

If the policy holder is building an estate and has a will, the family can live on the life insurance proceeds while the estate is being settled. In some states, it may take eighteen months before the estate can be settled in probate court. This would allow the family to continue their normal lifestyle while waiting for a court date. Any other money is tied up in the estate and cannot be touched until the estate is settled.

The whole life insurance policy can also be used to transfer wealth. If a family desires to leave a son or daughter a lump sum of cash to help them build their own estate, they can purchase a life insurance policy for “pennies on the dollar” and name the son or daughter as a beneficiary.

If concerned that the son or daughter may squander the money, the parent can place the life insurance in a trust and designate how the money will be paid out. (It can be paid out in monthly installments, rather than as one lump sum.) Parents do not have to have an exorbitant amount of money to place in a trust. Seeking the advice of a trust attorney is highly recommended.

One way of avoiding financial calamity upon the death of a breadwinner is to purchase life insurance on the person to replace the lost income upon his death. If a spouse relies heavily on that income, it could be sorely missed when the breadwinner passes away, especially pre-maturely. This should be a consideration when meeting with a life insurance agent. I Timothy 5:8 says, “But if anyone does not provide for his own, and especially for those of his own household, he has denied the faith and is worse than an unbeliever.”

In conclusion, a final expense policy is not the only way to use life insurance. The tax-free money that accumulates in a life insurance policy can be used to accelerate wealth, is not subject to loss due to market fluctuations, and is not taxed. Families should ensure that they do have a whole life insurance policy for flexibility and tax savings during times of need.

Posted by: prosperingchristians | January 11, 2017

Perseverance in Time of Prayer


Probably the hardest thing for a Christian to do is persevere during the struggles we are facing. We pray and one obstacle is removed, and then another appears in its place. When is this going to end? we may wonder. Is God really working on my behalf? Is this too much even for God?

But, it just goes to show you how much a threat you are to the enemy, especially if you are on fire for God. Your prayers are availing much, the enemy is being defeated, and he is getting angry! Prayer is not for the faint of heart. The more we pray, the more people are saved and delivered out of darkness. The devil loses control over them. They have been under his control for so long, and then one day, they are free of the bondage to sin, to bad habits, to defects in their character. The devil retaliates, he steps up his attacks on us.

What do we do now? We make sure we are wearing our armor of God each day. This will protect us from the fiery darts of the devil and his cohorts. Ephesians 6:11 tells us to “put on the full armor of God, that ye may be able to stand against the wiles of the devil.” The full armor of God is an arsenal of verses that we can use to ward off the devil’s attacks. We put it one before we go into battle, just as the soldiers do. We are soldiers in God’s army.

The full armor of God contains: “the belt of truth buckled around our waist,” Ephesians 6:14. If we know the truth, we will not believe the enemy’s lies about us. “The truth will set us free,” John 8:32. He is so subtle, he plays on our weaknesses and even tells us the lies that we believe about ourselves and tries to convince us that it is the truth. John 8:44 says, “Ye are of your father the devil, and the lusts of your father ye will do. He was a murderer from the beginning, and abode not in the truth, because there is no truth in him. When he speaketh a lie, he speaketh of his own: for he is a liar, and the father of it.” We should resolve our own issues before we intercede for God, as the devil will come right back through the open door that we let him through. We can pray for God to reveal the truth and heal us of our wounds so that it is no longer an open sore. We are no longer vulnerable.

Next is the “breastplate of righteousness in place.” This breast plate of righteousness will allow us to take a firm stand against the devil and give us the boldness we need to launch a proper attack against him. We must be bold in our battles and pray prayers that will reach God’s people far and wide. We must address every fiery dart that comes against us and the people for whom we are praying. When we are equipped with righteous, it gives us ability to stand in the Father’s presence without consciousness of sin. We can be bolder in our prayers against Satan, demons, sickness, and disease. We will not fear retaliation because we are acting on God’s behalf. Very powerful.

When we are not aware that we are the righteousness of God in Christ, or do not know what it means, our prayers are only feeble attempts to take a stand against the devil’s schemes. We don’t give it all we’ve got because we fear retaliation. We don’t feel empowered. We rely on our own strength, rather than the Holy Spirit’s power. We ask others to pray for us because we lack the faith needed to pray.

Psalm 15:2 says, “He that walketh uprightly, and worketh righteousness, and speaketh the truth in his heart.” Psalm 85:13 says, “Righteousness shall go before him; and shall set us in the way of his steps.” Righteousness means being morally right or justifiable. We cannot be righteous on our own because we are sinners. However, if we have Christ dwelling in our hearts and we are filled with the Holy Spirit, we are righteous because Christ in us is righteous. We are righteous by faith. Romans 4:3 says, “For what saith the scripture? Abraham believed God, and it was counted unto him for righteousness.” If we walk by faith and remember that our righteousness is the righteousness of God in Christ, we will soon become bolder in our prayers and more victorious. 2 Corinthians 5:21 says, “For he hath made him to be sin for us, who knew no sin; that we might be made the righteousness of God in him.”

The next piece is the “feet shod with the Gospel of peace,” Ephesians 6:15. The Gospel is the Good News that Jesus was teaching as he travelled through Israel, Jerusalem, and Nazareth – a message of hope for mankind if he would repent from his sinful lifestyle. The shoes represent he protection that we need when we are travelling about sharing the Good News of the Gospel. The Gospel was the good news of the Savior, God’s plan for salvation, and his grace. As we share the Gospel, we are spreading peace wherever we go.

Roman soldiers needed shoes while fighting their battles to protect themselves from what was on the ground and to make sure their footing was sure. Just as they needed shoes, we need peace as we travel about, peace in knowing that God is protecting us as we go into areas which are not safe and where people are not open to hear the Good News of the Gospel. So, we must put on the Gospel of peace.

The next piece of armor is the “shield of faith, wherewith ye shall be able to quench all the fiery darts of the wicked,” Ephesians 6:16. In the Roman army, the shield, the size of a door was protection from the spears and arrows of fire. The shield was made of wood and covered with leather. When it was wet, it could put out the fires of flaming arrows and spears. The shield of faith does the same thing. It puts out the fiery darts of the evil one.

Faith is our protection against the doubts with which Satan fills our heads. He tries to instill doubts that God will protect us. He tells us lies and tempts us to do ungodly things. He will make us believe that God will not protect us. Therefore, we must have faith to counter act Satan’s lies. We know the truth and we become grounded in it. Hebrews 11:1 says, “Now faith is being sure of what we hope for, and being certain of what we do not see.” We must be sure of what we hope for to have victory over Satan. We must confirm it every day. We must be strong in our beliefs.

Next is the “helmet of salvation,” Ephesians 6:17. The helmet in the Roman army was the last piece of armor to be put on. Our salvation must be reaffirmed every day. We must do spiritual things to keep it active. It is not just a one-time thing. We should pray, read the Bible, and recite verses every day.

It involves renewing our minds (Romans 12:1) daily, to affirm that we are new creatures (2 Corinthians 5::17) in Christ and that we worship God. We must reject the lies that Satan sends to us. Therefore, we keep the helmet on tight to help us remember that “with God, all things are possible,” (Matthew 19:23). We keep our eyes on Christ and we think about eternal things, rather than the things of the world.

The last piece is the “sword of the Spirit, which is the word of God,” Ephesians 6:18. This pertains to speaking the word of God at times when we need to destroy or kill the enemy. The word of God is very powerful. Just as Roman soldiers had to be trained to use the sword, so Christians must be trained to speak the word of God. The sword can penetrate the hearts of men and when carefully executed, it will help us do the will of God and take a stand against the enemy’s schemes. Hebrews 4:12 says, “the word of God is living and active and sharper than a double-edged sword.” It can save souls and give us strength. To be protected, we must put on every piece of armor daily.

Posted by: prosperingchristians | January 11, 2017

Godly Repentance


John 6:45 says, “It is written in the prophets, ‘AND THEY SHALL ALL BE TAUGHT OF GOD.’ Everyone who has heard and learned from the Father, comes to Me.” Implies that we have a relationship with God first, then we come to Christ. We learn how to listen to God when we read the Bible. God will teach us through his word. We gain an understanding of scripture and how to apply it to our lives. In studying the word with the Father, we learn how to hear his voice and how he communicates with us in our day to day life.

If we learn from the Father, then we will accept Christ and follow him. It is easy to come to Christ after we have had a relationship with God. God teaches us in preparation to have a relationship with Christ. God draws us to Christ. John 6:44 says, – “No one cometh unto me, except the Father which hath sent me draw him.” It is easier for people to come to God than it is to come to Christ. Satan opposes God’s plan of salvation and keeps us from knowing Jesus. Everyone who comes to Christ must repent. Acts26:8 says, ….”to open their eyes to their true condition so that they may repent. And live in the light of God instead of Satan’s darkness.” Some do not want to repent and therefore, will not follow Jesus. They desire to continue walking in darkness. Revelations 6: says, ….”and cursed the God of heaven for their pains and sores, but they refused to repent of all their evil deeds.”

Everyone who is saved was drawn by the Father as he rescues us from the dominion of darkness. Colossians 1:13 says, “For he has rescued us from the dominion of darkness and brought us unto the kingdom of the Son he loves.” The Father has a plan which he wants to implement and he needs us to fulfill his plan. Jeremiah 29:11 says, ‘For I know the plans I have for you,’ declares the Lord.” When God calls, he has a plan in mind. It is up to us to follow God to find out what he wants us to do for him. If we desire to know our plan, we must try to know Jesus. Jesus helps us to prepare our plan and implement it. We also have free will and if we are not ready to follow God, some of us may reject God. If we reject God, we reject Jesus. Jesus said in Luke 10:16, “And those who reject me are rejecting God who sent me.” If we reject Jesus, we also reject God because Jesus cannot do anything without God. Jesus is doing the will of the Father, so we do God’s will through Jesus. The closer we come to God, the better we can serve him.

Posted by: prosperingchristians | January 4, 2017

God Wants You to Prosper


Happy New Year! As we begin another new year, I am sure some of us resolve to spend our money more wisely. But, why is it that some of us still have not learned to manage money wisely?

The first step in managing money wisely is to tithe so that we will always have what we need. We should tithe at least 10% of our gross income. (Better to err on the high side – God is worth it!) That should be set aside as soon as you cash your check, because we should put God first. If we don’t tithe, we will not have enough to take care of our needs. The devourer will be at work taking our money – we will pay too much, we will come up short, we will lose money, someone may steal it from us. We don’t want that to happen. Proverbs 3:9, 10 says, “Honour the Lord with thy substance, and with the firstfruits of all thine increase: So shall thy barns be filled with plenty, and thy presses shall burst out with new wine.”

If we do not bring tithes into the church, here is what Malachi 3:10, 11 says,“Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it. And I will rebuke the devourer for your sakes, and he shall not destroy the fruits of your ground; neither shall your vine cast her fruit before the time in the field, saith the Lord of hosts.” Notice how God says he will rebuke the devourer. He will keep the enemy from leading us to mismanage our money. That will not happen if we do not tithe. So here is the solution to the problem with spending money unwisely.

I have countless stories of how I paid much less for items that others had to pay full price. I remember standing in line at the town hall waiting to ask for copies of a public document. The woman in front of me asked for the same report that I wanted. The clerk yelled at her and told her she had to pay $25.00 for the report. When I got there, I was not charged. I have gotten things on sale. I bought a very nice comforter for my bed for $15.00. It was marked down from $150.00. The Lord will lead you to places where you will pay less money that you anticipated. So, keep this in mind this year and make it a habit to tithe. Don’t worry about how you think this money will be spent. Just remember God will bless you!

Posted by: prosperingchristians | December 30, 2016

Homes for Women and Children



I recently launched a $100,000 Kickstarter campaign to help homeless women and children. Homelessness is an age – old problem which seems to worsen at different times in the history of a country. In my state, Rhode Island, we have not yet recovered from the Economic Crisis of 2008, when the homeless rate surged because of unemployment and lost jobs. Our foster child population has grown as well because of the lack of families to take these children in. Therefore, many of the children are living in institutional settings. These problems exist in other countries as well.

Many years ago, the Lord had called me to begin to minister to these children. I encourage you to listen to my video relative to my calling. I went on a mission trip to Jamaica to work with orphans in 2000. From then on, I worked with abused and neglected children as often as I could. I am now being called to resume the work.
I am trying to raise funds to market my book clubs for a book I wrote, Beyond My Imagination. I am starting a church, women’s shelter, orphanages, schools, preschools, and children’s choirs. I ask that you contribute to the campaign and share with your friends.

My plan is to purchase buildings for all projects and visit Haiti and Kenya to assist them with this surmounting problem.

Posted by: prosperingchristians | December 30, 2016

Persistent Faith in God


Do you believe that “God is able to do immeasurably more than what we can ask or imagine?” (Ephesians 3::20) It takes a tremendous amount of faith to believe and if our problems are monumental, it takes even more faith to believe that we can overcome these challenges. John 3:18, “Whoever believes in him is not condemned, but whoever does not believe stands condemned already because they have not believed in the name of God’s one and only Son.”

We must remember that the devil wants nothing more than to thwart the purposes of God. He will go to great lengths of diverting our attention, keeping us from doing God’s work, putting obstacles in our path, causing ill will and controversies between us and those we love. Isaiah 14:12 says, “How you have fallen from heaven, O star of the morning, son of the dawn! You have been cut down to the earth, you who have weakened the nations!” This passage describes the casting out of Satan from heaven and that he weakens us.

The devil will tempt us in our areas of weakness. He will keep us from turning our lives completely over to Jesus because he has a foot hold. Isaiah 25:12 “The unassailable fortifications of your walls He will bring down, Lay low and cast to the ground, even to the dust.” He will lead us to believe that we are not worthy. He will lead us to believe we are going in the right direction, when we really are not. “Beware of false prophets, who come to you in sheep’s clothing, but inwardly they are ravenous wolves,” (Matt. 7:15). He convinces us that our sin is pleasurable when we have no knowledge of the outcome. The pleasure lasts a short time. (Hebrews 3:12, 13).

What causes us to fall for his schemes? Lack of prayer before the event will ensure failure. We must be a step ahead of the devil. Unconfessed sin and a reluctance to forgive others will keep us in his grasps. He will take advantage of this situation. The condition of the heart and soul are darkened and the Christian cannot walk in the light because he/she cannot see the light. Unfortunately, the sinner does not know that he is not in the light. The sinner may also refuse to come into the light because he/she does not want to admit that they are wrong. ” Everyone who does evil hates the light, and will not come into the light for fear that their deeds will be exposed,” John 3:20. They want to go their own way.

If we want to have victory in our lives and break free from bondage to sin, we must learn to protect ourselves from the devil’s schemes by putting on the full armor of God, (Ephesians 6:10-18).

Posted by: prosperingchristians | December 30, 2016

Walk in the Light


The Lord commands us to “walk in the light as he is in the light,” I John 1:7. This means that everything we do must conform to the way that Jesus would have responded. The Lord gives us a measure of his light within us and he meets us where we are. When he gives us light, he speaks to us in a way that we will understand it. It is only intended for us. We cannot compare ourselves to what others are doing and say that this is right for us. It must conform to the heavenly vision that God gave us.

Too many Christians fail to seek that heavenly vision that God has especially for them. It takes prayer. God has said, “For I know the plans that I have for you, plans to prosper you and not to harm you. Plans to give you a hope and a vision.” Jeremiah 29:11. Then he says, “If you call om me and come to pray to me then I will listen to you. You will seek me and find me when you seek me with all your heart.” This means that we must engage in fervent and persistent prayer to receive the answer. It may take several months to get the answer. But, know that God will not forget you. Galatians 6:9 says, “Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up.”

The fulfilling of that vision will mean training and preparation to fulfill the vision according to God’s will. We should never lose hope because he wants us to be ready for the answer when it comes.

Posted by: prosperingchristians | December 30, 2016

A Savior is Born


Another Year has passed and we are celebrating the birth of our Lord and Savior Jesus Christ. A time of joy spent with family and friends, but to some, just another day in the struggle.

As Christians, we are grateful that we know the Lord and that we can rely and trust in him for solutions to our problems. It is hard to imagine what we would do without Jesus in our lives. But to others, they are oblivious to what the Lord can do for them. Before we came to Christ, that is how we lived.
To those who are new to the Lord, he came to die for our sins. He came to save us from a life of destruction. There were prophesies about the coming of Jesus, who was called the Messiah, in the Old Testament. Here are a few of them:

1. Deuteronomy 18:15 “The Lord thy God will raise up unto thee a Prophet from the midst of thee, of thy brethren, like unto me; unto him ye shall hearken.” This refers to the Messiah who would be a prophet like Moses. In the New Testament, the woman at the well refers to Jesus as a prophet in John 4:19, “The woman saith unto him, Sir, I perceive that thou art a prophet.” As the woman spoke with Jesus at the well, he could tell her things about herself without knowing her previously.

2. 2 Samuel 7:12, 13 “And when thy days be fulfilled, and thou shalt sleep with thy fathers, I will set up thy seed after thee, which shall proceed out of thy bowels, and I will establish his kingdom. He shall build an house for my name, and I will stablish the throne of his kingdom forever. He shall build an house for my name, and I will stablish the throne of his kingdom for ever.” This refers to the Lord Jesus Christ who will be a descendant of David and will have an everlasting kingdom.

4, Isaiah 7:14, “Therefore the Lord himself shall give you a sign; Behold, a virgin shall conceive, and bear a son, and shall call his name Immanuel.” This is the prophecy that the Messiah would be born of a virgin and his name would be Immanuel. Luke 1:35 “And the angel answered and said unto her, The Holy Ghost shall come upon thee, and the power of the Highest shall overshadow thee: therefore also that holy thing which shall be born of thee shall be called the Son of God.” This is a description of the Virgin birth.

5. Isaiah 42:1 “Behold my servant, whom I uphold; mine elect, in whom my soul delighteth; I have put my spirit upon him: he shall bring forth judgment to the Gentiles.” 6 “I the Lord have called thee in righteousness, and will hold thine hand, and will keep thee, and give thee for a covenant of the people, for a light of the Gentiles;” The Messiah would be a light unto the world. Jesus came with a New Covenant. Matthew 12:18 “Behold my servant, whom I have chosen; my beloved, in whom my soul is well pleased: I will put my spirit upon him, and he shall shew judgment to the Gentiles.

These are just a few of the verses which foreshadowed the coming of the Lord to the Virgin Mary as the Savior of his people. Jesus came to save us and he came with a New Covenant so that we would not have to endure the punishments for sin under the Law, which the ancient Israelites endured, but instead we would be saved by God’s grace – we would be forgiven and grace would cover our sins.

I am thankful that God sent his Son as the redeemer of the world!

Posted by: prosperingchristians | December 30, 2016

The Beauty of Christmas


Once again it is a very exciting time of the year as we get ready to celebrate the birth of Jesus Christ, our Savior. It is a very important time for us to thank God for sending his Son to save us. As Christians, we consider him the Lord of our lives and what wonderful miracles he did in our lives. He changed us!

It is still amazing to me how many people respond with joy when they recite the sinner’s prayer and they realize that they are saved from their sins. People have hugged me, they have become very hopeful, relieved, and even danced because they are saved!! I am convinced that most of us believe we need a savior. Imagine how the three wise men felt when they saw the star in heaven, as a sign that the Savior had been born! Matthew 2:10 says,“ When they saw the star, they were overjoyed.“ We know on an inner level that we need a savior, whether we are saved or not.

God chose a few people to have knowledge that the Savior was going to be born to a virgin before the event took place. The people happened to be very devout believers in the God of Israel. (Luke 5:1,2 5 “In the time of Herod king of Judea there was a priest named Zechariah, who belonged to the priestly division of Abijah; his wife Elizabeth was also a descendant of Aaron. Both were righteous in the sight of God, observing all the Lord’s commands and decrees blamelessly.” Upon hearing from the Angel Gabriel, they patiently awaited the day that the prophecy would be fulfilled. They could believe because of their relationship with God, who had never failed them in the past. It is noteworthy that they were devout and living righteously without a savior.

We are coming upon the New Year when many of us will seek to make New Year’s resolutions. How may will make resolutions about their relationships with Jesus. A commitment to listen to him and follow him would be a giant step in the right direction.

Posted by: prosperingchristians | December 30, 2016

God’s Order


If we pay attention to the way that God did things, we can see that he was a God of order. He was not a God of confusion. There is order in everything that God does. In the book of Numbers 1:2 God said, “Take ye the sum of all the congregation of the children of Israel, after their families, by the house of their fathers, with the number of their names, every male by their polls; From twenty year, old and upward, all that are able to go forth to war in Israel: thou and Aaron shall number them by their armies.” God ordered Moses to make a list of all the children of Israel and group them by their fathers, their names, all males aged 21 and up, and all males who could fight in battle. God wanted an orderly list of the males so that Moses could keep track of them. So Moses and Aaron went about ordering everyone according to their tribes and the did it in an orderly fashion.

This is a great example to us of how God does things in an orderly manner. In the same way, we need to keep our lives in order, in our work and in our homes. “Let all things be done decently and in order” (I Cor.14:40).
This means we are to keep our house in order. The house should be kept neat and clean each day. Everything should be in its place and there should be no clutter. Every room in the house should be organized and free of clutter. We must keep our work in order. Our desks should be neat and clean and our desks should be organized. Papers should be in folders, not on the desktop when not in use.

Our check books should be balanced and our accounts should not be overdrawn.

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