Friday, September 26, 2008

Christian Finance - An Overview

What is Christian FinanceBy [http://ezinearticles.com/?expert=Martin_Lukac]Martin Lukac
Christian Finance is a Biblically based concept to help teach believers their stewardship duties and to be a responsible Christian investor with their money. They teach Christian financial principles such as goals, budgeting, debt elimination, saving, financial management, tithing, and giving.

Why should a Christian investor consider having a Christian finance and hiring a Christian Financial service professional?

Having your finances managed by a Christian Finance professional that understands and applies Biblical truths can help you become a better and more effective steward with God's resources. The main reason is because the investor and advisor are both Christians, they share similar values. The advisor understands Biblical principles such as tithing, budgeting, debt reduction, saving, investing and giving. After the initial interview process of numerous financial related questions, the financial advisor can identify areas of improvement for the client.

Having your Christian finances managed by a financial professional that utilizes Biblical truths can give you a peace-of-mind with your finances. If you are in debt and can only make minimum monthly payments, the last thing you need is another loan. What you need is someone to help - you need a debt management program and that's exactly the right moment to go in for Christian Finance. The debt management programs pairs you with a Debt Repayment Representative who will work with you and your creditors to lower your interest rates, reduce late fees, and bring your accounts up to date. You will begin making one lower monthly payment and pay off your debts years sooner than on your own. People involved in debt management companies typically pay off their debts in just 3-6 years!

To have a good Christian Finance record and program, it is necessary to have a good Christian Counsel. To find a good counsel there are two important areas to consider.

1.The first is how they are compensated. It is very difficult to receive unbiased advice from someone who is trying to sell a financial product. So, an obvious limitation that Christians should easily recognize is whether the people giving them Christian Finance advice are actually giving wise advice or just a sales pitch. It is always recommended to seek a fee-only financial planner or investment advisor that is also a believer of Christ.

2.The second part is to find Christian Finance counselors with like minds, attitudes and principles. Many financial advisors who profess to be Christians live lifestyle that are far from Christ-like. Likewise there are those who are very good Christians, but they have no knowledge or wisdom concerning the biblical principles of finance

The best method for locating good Christian Finance counsel is from other Christians who have received similar help or consultation in the past. This could be fellow church attendees, pastors, or Christian businesspeople. Additionally, this type of information could perhaps be found at Christian professional associations, societies, and organizations, both locally and nationally.
Without a doubt, good Christian Finance counsel is available for all who seek such counsel. But prayer, wisdom, and caution must be foremost in order to select the most qualified counselors and those whose lives and expertise conform to God's will for the lives of the counselees.
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Article Source: http://EzineArticles.com/?expert=Martin_Lukac http://EzineArticles.com/?What-is-Christian-Finance&id=594521

An Intesresting Article On Christian Financial Freedom

How to Have Christian Financial Freedom Away From Religious Hype and ScamsBy [http://ezinearticles.com/?expert=Hans_Monsma]Hans Monsma
Christian Financial Freedom requires you to know the truth about prayer. I am a normal dude without any specific theological training, but was burdened by the blinding lies some pulpits spread. I make my income from Search Engine Optimization and Internet affiliate marketing, all from my home business, on a single computer.

Religion and Internet Affiliate Marketing are Fraught with Hype and ScamsBoth, modern religions and internet marketing which is the biggest global market of the new world are crowded with hype and scams. There are many good things in both, but you have to find these to be successful in either of them. Don't fall for the scams and hype or you are going to be the looser. I made it my business to find the truth in both, with Christianity being the priority. I feel as a Christian that my Home Business Income is totally dependent upon my knowing the truth in both, not in one only.

My search took me to many places besides the Word. The kernel of my research was to find the truth about both which would include discovering the true meaning of the biblical verses from which the following phrases were taken:My people perish for the lack of knowledge.Seek the Kingdom and all things will be added onto you.How do I know God's will for my life? I want to make money, is this God's will?What so ever you ask the father in my name you shall have.
My research came to an abrupt halt when I read James 1:5, "If any of you lack wisdom let him ask God that giveth to all men liberally etc., this coupled to the knowledge that Jesus left us a counsellor when He went to be with the Father in heaven told opened my eyes. I have not read in the word that He giveth money liberally, or for that matter cars or houses. He also tells you who to look after, the widows and orphans and your spiritual teacher.

So what went wrong? I am a normal working guy, doing my best to live as a follower of The Word, Jesus.When I began to "test all things" in my happy clappy church, and seek the truth, I discovered a turmoil starting in my spirit. I had lots of questions they had no answers for. Yet they would take my money and distribute it as they see fit, how do they know the right place to donate my money but the biblical answers they do not have. I soon put a stop to them fleecing me. I now knew I was in the wrong place, the worrying factor was the verse that says "My people perish for the lack of knowledge." That is both biblically true and materially. The two are linked through prayer.

This article is not within the scope of a total biblical explanation, which I do have and will publish in due time. At this time allow me to state that my research, or if you like my revelation, has put a whole new perspective on my Christian and home business life. For the first time I feel that I am successful in both facets of my life, my Spiritual life and my business life. I have discovered via biblical research on the internet how one should pray and be in the will of God.

I now know why so few prayers are ever answered, and it was not because I was outside of Christianity, no, simply because the happy clappy churches teachings are wrong and money centered. I am at peace with my prayer life and am making a good living from my internet home business in affiliate marketing. They go hand in hand as I am able to obey god's giving instructions which is to the widows, the poor and my spiritual tutor.

Take a discovery trip as I did and see your life change, there after God will lead you to the right teacher. It is the first time in my life that I understand why the book says that the road to heaven is narrow, my research to find direction for my future was both spiritually revealing and materially motivating.

The article says it all.Go and do it yourself and discover your new life. http://www.sitesunion.com/financial_freedom.html
Article Source: http://EzineArticles.com/?expert=Hans_Monsma http://EzineArticles.com/?How-to-Have-Christian-Financial-Freedom-Away-From-Religious-Hype-and-Scams&id=1396951

Is Christian Debt Consolidation Right For You?

Restore Your Financial Balance With Christian Debt ConsolidationBy [http://ezinearticles.com/?expert=Arvind_Singh]Arvind Singh
Christian debt consolidation service is meant for people in debt and unable to repay their loans due to job loss, increased medical expanses or any other factor that has resulted in high credit card usage or on account of other unsecured debts.
Christian debt-consolidation option facilitates repaying your debt at much lower monthly payments thus enabling you with a better cash flow for yourself each month. It is in fact not a loan and as such no home equity is required. One should try to make an effort to change the habits that incurred so much debt and always keep in mind that to consolidate credit card debt you were left with no other option than to transfer unsecured debts to debts secured by your home.
Christian debt-consolidation converts your all unsecured debts into one single payment per month thus enabling you to pay off your debt much faster. Many people simply do not have enough income to cover their basic living expenses, let alone their debt repayment. It is impossible to create a financial plan or budget when you credit payments are increasing each month. With a fixed credit payment each month, a realistic and low stress budget can be managed.
The Student debt consolidation loan, is a facility granted to students enabling them to pursue higher studies .The recovery of such loans are spread over a longer period of time that too at lower interest rates and can save you a good amount of money in getting you out of debt. The consolidation of loans in general has a positive impact on your credit score.
Christian debt consolidation lastly helps you to create a better tax advantage. The interest you pay on credit cards, car loans and other consumer debt is not tax deductible. However, the interest you pay on a Home Mortgage or Home Equity Line of Credit is tax deductible. So even if you are transferring credit card or other debt with low interest rates you certainly have tax benefit.
Free debt consolidation advice can be availed by people who accumulate debt because their income cannot support their life style. Such an advice may offer you with an option for Refinance debt consolidation. Consolidating debt into your mortgage saves you lot of money each month. More so you have to deal with a single lender instead of multiple lenders and is definitely a great relief. [http://www.Debt-Consolidation-World.com]Debt Consolidation World is an online informational resource center with articles providing in-depth knowledge about Debt Consolidation. Take care of finances with [http://www.debt-consolidation-world.com/Christian-Debt-Consolidation-2.htm]Christian Debt Consolidation at lower rates.
Article Source: http://EzineArticles.com/?expert=Arvind_Singh http://EzineArticles.com/?Restore-Your-Financial-Balance-With-Christian-Debt-Consolidation&id=1452958

Christian Debt Relief Brings Transformation

Financial Transformation Through Christian Debt ReliefBy [http://ezinearticles.com/?expert=Ted_Batron]Ted Batron
Many may think that Christian debt relief is a magic pill for overwhelming credit card debt when in fact these organizations will also employ most of the same options that other credible credit counselors and reputable debt relief agencies will use to help get a client out of debt. This is why; many debtors have been burned by dodgy agencies posing as Christian debt relief centers only to find out that the faith-based principles and assistance they seek are simply magical illusions propped by deceptive marketing.
True Christian debt relief will not make claims for a miraculous intervention for unsecured debt such as those owed from credit cards. Nevertheless, the miracle happens when those under a genuine Christian debt relief program transforms from a debt burdened and overspending complainant to someone who owns up to his or her obligations and dutifully settles them and from then on successfully manages their finances following true Christian stewardship teachings.
Following Biblical Principles
Unfortunately there are scores of scammers and hooligans who use the term "Christian" at will and at their own liberty. It is outright blasphemy and this has made the term Christian debt relief somewhat of a joke. Nevertheless, there are still legitimate Christian debt relief ministries that do provide free counseling and guidance to help debtors in distress get up from under their debts.
Quoting Bible verses is not the mark of a real Christian debt relief group. The Bible teaches about faith that works and truly Christian-principled debt help will result in meaningful efforts that lead to the reduction or elimination of debt without resorting to deception or illegal means. These debt relief programs are centered on Christian counseling, re-education as well as intensive budgeting and financial planning. This enriches the client to become good financial stewards even beyond the full repayment of the debt.
For Better, Not For Worse
With sham debt relief operations, clients are likely placed in more financial jeopardy than they already are. Unscrupulous debt management programs might reallocate your deposits for other purposes instead of repaying your credit card accounts. This would result not only in money lost but also to mounting fees and charges burying the debtor in worse debt than when he began.
In terms of costs, be wary of debt relief programs that ask for so called "voluntary contributions" from its clients. Others have hidden charges that cost an arm and a leg. Real Christian debt relief ministries are usually funded by church communities and similar non-profits to operate and rarely needs substantial fees. If at all, the fees will be marginal, even optional and should not deter Christian credit counselors from dispensing their mission and service to you.
True Christian debt relief services will help alleviate you from your burden of debt and will lead you to the way out of your slavery to debt and towards lasting financial transformation. Check your consumer protection groups and local churches to help you find a suitable Christian debt relief service in your community.
Christian debt relief is based in sound financial principles. The principles are test and honest and don't resort to deception or questionable tactics. Ted Batron is a well know financial expert who offers a free basic debt negotiation and settlement ecourse to help you get out of debt and get on with your life. Read more at Christian Debt Relief and http://no-debt.net/debt-info/debt-reduction/christian-debt-relief.html
Article Source: http://EzineArticles.com/?expert=Ted_Batron http://EzineArticles.com/?Financial-Transformation-Through-Christian-Debt-Relief&id=1380091

Wednesday, April 23, 2008

Christian Consumer Credit Counseling

Are you struggling with your finances? No matter what you do you seem to end up circling the mountain of debt over and over again. Perhaps you need to gain a fresh insight into what you are doing. A Christian consumer credit counselor is a great resource.

A credit counselor can look at what you are doing objectively and provide you with the insight you need to make better financial choices to maximize your potential. Many people have been able to completely get out of debt after following the advice of a qualified counselor. Others have improved their credit score dramatically. What ever your financial needs or situation, a Christian Credit Counselor might be just what you need. I hope that they following article helps.

Christian Consumer Credit Counseling
By [http://ezinearticles.com/?expert=Ken_Marlborough]Ken Marlborough

Christian consumer credit counseling agencies focus mainly on the debt management needs of Christian clients. They are the most appealing, valuable and short-term solutions to anyone who desires to secure a debt free future. They help you consolidate your debt, set up a repayment plan, and arrange to let you maintain tithing. Besides, the agencies provide spiritual counsels that you may require to help you get out of debt problems.

Consumer credit counseling services are one of the most important requirements of consumers these days, since unsecured debt continues to burden individuals and families. The unsecured conditions are mainly due to personal loans, unforeseen medical bills, huge credit card debts, and unplanned educational expenses.

According to economists, debt difficulties not only hurt the family institution, but also affect the national economy. Debt problems can be easily resolved with the assistance of a debt specialist. Consumer credit counseling normally offers debt management specialties through debt negotiation and debt consolidation methods. Their other services are financial education, implementing financial strategies, and personal investments and savings.

In recent years, the number of credit counseling services that specialize in serving Christian consumers has increased noticeably. They are usually non-profit agencies assisting the Christian communities in all their credit debt management interests. Both debtors and creditors use the services of these consulting agencies to settle a debt for less than what is owed. With a good consulting service, you can be debt free in a few years.

Each Christian consumer credit counseling agency has its specific debt relief programs permitting clients to select what is suitable for them. The programs are good for anyone interested in budgeting, debt relief, controlling spending, retirement, investing, mortgages, and education accounts for children. You can find many Christian consumer credit counseling programs throughout the Internet. [http://www.e-ConsumerCredit.com]Consumer Credit provides detailed information on Consumer Credit, Consumer Credit Counseling, Consumer Credit Reports, Consumer Credit Unions and more. Consumer Credit is affiliated with [http://www.i-ConsumerCreditCounseling.com]Non Profit Consumer Credit Counseling.

Article Source: http://EzineArticles.com/?expert=Ken_Marlborough http://EzineArticles.com/?Christian-Consumer-Credit-Counseling&id=353169

Friday, April 18, 2008

Christian Credit Card Debt Consolidation

Christian Credit Card Debt Consolidation
By [http://ezinearticles.com/?expert=Eric_Morris]Eric Morris

Christian credit card debt consolidation is a debt consolidation program for Christians. These programs are usually provided by, not-for-profit Christian associations, for their members who find themselves in unmanageable debts. Debt consolidation can help lower the monthly payments, freeing up more resources that can be used for other purposes. Christian credit card debt consolidation reduces the risk of a payment default, and thereby saves the credit rating of the borrower.

It is very common for people to use credit cards to pay for their everyday purchases as well as occasional expensive buys. People who have a good credit rating are considered eligible for credit by many credit card companies, as they are considered to be low risk. Therefore, to attract more customers and increase their customer base, these companies send credit card applications to such people with pre-approved credit card offers. Many such cardholders may find the whole process of debt management quite overwhelming. To help Christians who have also fallen in this trap, there are many Christian credit-counseling services available that can help them chalk out a plan to come out of debt.
While choosing a Christian credit card debt consolidation service, the debtor must do a check of their past cases to know their method of dealing with the issue. Christian credit counselors help to create a customized debt solution and also encourage members to stick to their debt resolution plans. This is because they have experience, dealing with people with bad credit or poor credit, and thus can decide which plan will suit the debtor the most. They can also suggest appropriate moneylenders who, may loan out money to such people who, are considered high-risk.

Therefore, with community help, it is possible for Christians to manage the credit card debts, even if they seem impossible to tackle. The first step is seeking the proper help - the rest will go from there. [http://www.e-CreditCardDebtConsolidation.com]Credit Card Debt Consolidation provides detailed information on Credit Card Debt Consolidation, Credit Card Debt Consolidation Loans, Debt Reduction Credit Card Consolidation, Credit Card Debt Consolidation Calculator and more. Credit Card Debt Consolidation is affiliated with [http://www.e-DebtAndBillConsolidation.com]Free Debt and Bill Consolidation.

Article Source: http://EzineArticles.com/?expert=Eric_Morris http://EzineArticles.com/?Christian-Credit-Card-Debt-Consolidation&id=428808

Christian Grants

Christian Grants
By [http://ezinearticles.com/?expert=Chad_Bin_Kimball]Chad Bin Kimball

Are you looking for Christian grants but fear that you will have a hard time having your Christian grants proposal accepted in a secular society? Don't worry, there are ways to get the money your church, or Christian school needs. Many government grants accept faith based competition for funds allocated to serving the poor and at-risk populations. You can apply for federal and state money to help with the nutritional, housing, health and educational needs of your congregation and community.

A good resource for this is the Center for Faith Based and Community Initiatives. The Center was created by President Bush's Faith Based and Community Initiative in 2001, and is designed to help the federal government better collaborate with grassroots and nonprofit groups to reinforce and support the work they do. The U.S. Department of Health and Human Services (HHS) sponsors a web page that features a compilation of HHS funding opportunities listed by topic and program office, with guidance on how organizations should apply.

But what if you are looking for money to sponsor specific religious goals (like evangelism, missions, pastor education, church building funds, bible translation, etc.)? In that case, your best bet for receiving a Christian grants is to go to private philanthropic organizations and foundations.

One of the biggest and best resources out there for Christian grants is the Lilly Endowment Inc.
Lilly Endowment Inc. is an Indianapolis based, private philanthropic foundation created in 1937 by three members of the Lilly family - J.K. Lilly Sr. and sons J.K. Jr. and Eli - through gifts of stock in their pharmaceutical business, Eli Lilly and Company.

The endowment gives Christian grants for efforts:

-to deepen and enrich the religious lives of American Christians, primarily though strengthening their churches;

-to support the recruitment and education of a new generation of talented ministers and other religious leaders;

-to encourage theological reflection and religious practices that cover the wisdom of our Christian tradition for our contemporary situation;

-to support scholars and educators who seek to help the American people better understand contemporary religion and the role it plays in our public and personal lives;

-and to strengthen the contributions that religious ideas, practices, values, and institutions make to the common good of our society.

Just a few examples of what the Lilly Endowment has funded are; worship training and mentoring at Christian colleges, Christian ethics studies and publications, and the national clergy renewal program.

The national clergy renewal program is a very unique Christian grants program indeed. In this program the Endowment provides as many as 120 grants of up to $45,000 each, directly to Christian congregations for the support of a renewal program for their pastor. A master of divinity degree is the minimum educational requirement to apply for this grant. Deadlines for proposals are generally in May, with announcements of recipients made in October.

In the words of the Endowment " renewal periods are not vacations but times for intentional exploration and reflection, for drinking again from God's life giving waters and for regaining the enthusiasm and creativity for ministry. .. When well-prepared, thoughtful, imaginative, able and caring pastors lead congregations, these communities of faith tend to thrive."

Search Christian Grants Here- http://www.freegrantdollars.com/Christian-Grants

Article Source: http://EzineArticles.com/?expert=Chad_Bin_Kimball http://EzineArticles.com/?Christian-Grants&id=814301

Wednesday, April 16, 2008

Student Loans? Consolidate to Save

Student Loan Consolidation Info - Consolidate Student Loans To Save On Interest ChargesBy [http://ezinearticles.com/?expert=Ian_Wilkie]Ian Wilkie
Your student loans have all been assigned a different variable interest rate over the years. Variable means that your interest rate will increase when the current interest rate goes up or will decrease if the interest rates should happen to drop. Each student loan you may have could have different interest rates and they may even have changes yearly. Keep in mind that interest rates are more likely to go up when you get them at a low rate and keep increasing until you get the loan paid in full. A more stable interest rate may be obtained by getting a student loan consolidation.
With a ten year student loan consolidation plan, you can lock in the current loan rates for the life of the loan and save lots of money at the same time. Another benefit to consider with a student consolidation loan is the freedom of having only one payment to manage. By reducing the amount of loans you have to manage you also will reduce the amount of lenders you have to deal with over the years giving you less of a burden. Some lenders also will give you a break on the interest rate for paying on time for a set period of time or offer other discounts in the interest rate for having your monthly payment automatically deducted each month from your checking or savings account.
Interest rates are not the only reason to get a student consolidation loan. If you are starting to have trouble managing your debt for one reason or another, you can get a student consolidation loan to lower your total monthly payment. Having many payments to make can be time consuming to maintain, especially if your payments are to be made at different times of the month. You might forget to send in one of your payments and fall behind in your credit score making it difficult for you to acquire new credit when the time comes. Having many different student loans to manage could lead you into student loan default if you are having trouble with your payments. It is best to spend the time to look into what kind of student loan consolidation you will qualify for before it gets any worse.
Student loan default is a very serious issue that can never be fixed on its own. A student consolidation loan can help save on interest charges and also assist you to work towards getting your debts paid off as soon as possible, because ignoring the debt will only lead to damages on your credit score.
Ian Wilkie is an author of many [http://www.mystudentloanconsolidationinformation.com]Student Loan Consolidation Info articles related too US College Student Loan & Consolidating Private Student Loan and owner of - [http://www.mystudentloanconsolidationinformation.com]My Student Loan Consolidation Information your one-stop online resource for [http://www.mystudentloanconsolidationinformation.com/site-map/]Student Consolidation Loan Information.
Article Source: http://EzineArticles.com/?expert=Ian_Wilkie http://EzineArticles.com/?Student-Loan-Consolidation-Info---Consolidate-Student-Loans-To-Save-On-Interest-Charges&id=1050455

Tuesday, April 15, 2008

Personal Financial Plan For Finances and Debt

Christian Principles For Financial Freedom - Plan For Personal Finances and Debt As A Christian
By [http://ezinearticles.com/?expert=Jon_Foster]Jon Foster

Are you facing financial difficulties as a Christian?. As Christians, we do not want to be greedy, but how can we still find financial freedom for our families and support our church using godly principles? I want to go over a few Christian concepts behind financial planning and show you why it is important (and godly!) to educate yourself about money matters.

A common misconception is that Christians should not be concerned about money. We often quote the Bible, which says that "the love of money is the root of all evil" and that you "cannot serve two masters". It is true that we should not idolize money. But that is no excuse for ignorance or folly! Jesus gave several financial-flavored parables about stewardship. The bottom line is that Christians should be good stewards of all their resources - including their finances. This will not only help us, but also let us bless others with our financial resources. Furthermore, we do not want to be enslaved to debt as a Christian - we should be free in Christ!

Financial planning for Christians is an important part of our stewardship. How do we get started? We could quit our jobs, and sit at home praying constantly for money. This is not necessarily godly, though. Even Paul the apostle worked a daytime job as a tent-maker while he preached the gospel. Don't think that you are better than the apostles! Instead, you should start looking at educational resources related to Christian financial planning. The Bible teaches us to seek wisdom (see Proverbs, for example). We need to look for Christian teaching on financial planning that follows ethical principles. Some ideas are obvious, such as tithing to our church. However, many people need help learning how to manage cash flow, and dealing with debt, assets, and liabilities.

In summary, Christian financial planning is a godly concept. Learning how to achieve financial freedom is part of being a Christian steward. Seeking financial wisdom is the first step, and very appropriate for Christians. There are many excellent resources on financial planning, but make sure you follow one with Christian principles.

If you are interested in taking a course on how to achieve financial freedom as a Christian, visit http://www.squidoo.com/christianfinancialfreedom or http://www.thewebfind.com/christianfinancialfreedom.html

Article Source: http://EzineArticles.com/?expert=Jon_Foster http://EzineArticles.com/?Christian-Principles-For-Financial-Freedom---Plan-For-Personal-Finances-and-Debt-As-A-Christian&id=1052678

Tuesday, April 8, 2008

The Tithe Test

Here is a neat little article that will test your Biblical knowledge of the tithe. I have to admit that I could have scored higher. It's a great introduction or a refresher on tithing.


The Tithe TestBy [http://ezinearticles.com/?expert=Robin_Calamaio]Robin Calamaio
Is 10% of your gross income to be given to the local church for the rest of your life? What do you actually know about the Biblical teaching on the tithe? Well, here is your chance to find out! Below are twenty questions worth five points each. Normally, 60% would be a passing grade. But in this case, I want you to study this subject until you score 100%! Why do I want this? Well, if your income averages $50K a year, after fifty years, you will have given a quarter of a million dollars to the local church. It does seem sensible to ask some questions about this - and know some answers. Actually, it is wrong for you to give 10% of your gross income to anybody without knowing for sure it is God's will ...100% sure. That's why I want you to work on this until you are an A+ student!
So, ... get your pen and paper and take this 3 minute test right now. I know you are not going to cheat. Go!
1. How many Bible authors wrote commands about the tithe - its purpose, amount and procedures?
2. Who are they?
3. What was done with the third and sixth year tithe? Who had access to it?
4. Can you explain the "tithe cycle" of the Israelites?
5. What was done with the tithe every seventh year?
6. Explain Abram's tithe. What did Abram give Melchizedek?
7. Did any of the Levites tithe? If so, to whom and how much?
8. How much money did the tithers give to the Levitical Priests?
9. In the "to the Levites" tithing years, did all the tithe go to the Levites?
10. What group did Jacob give his tenth to?
11. What were the conditions God must meet before Jacob would give that tenth?
12. When was the tithe "rediscovered?"
13. Who is credited with that "rediscovery?"
14. What was the catalyst for that "rediscovery?"
15. Is tithing the number one responsibility for the Christian and his/her money?
16. What kind of curse should the Christian expect for failing to tithe (Mal 3:17-23)?
17. Where did Jesus tell Christians to bring their tithe?
18. Where did Paul, or the other New Testament writers, tell Christians to bring the tithe?
19. When the Corinthians, and others, were making their collection for the saints, what was done with that collection before Paul and company took it to Judea?
20. Can the tithe be given to parachurch ministries?
Before grading yourself (why the rush?), let's first consider one other thing. If someone is telling you that God commands 10% of your gross income go to the local church for life - that person should be willing to answer a few questions (like ... maybe twenty?). And if that person scores under 60%, well, ... where I come from, that constitutes an "F." Should you be expected to yield to such "expertise?" But, even if expected ... should you?
How to administer "The Tithe Test" to others.
1. Practice on a friend or two (I did). It's fun.
2. Let your "testee" know you took a test about the tithe - and share your score. Tell them you are curious how well they can do. My friends were eager to show me up.
3. Either give the test orally or lay a copy of this before them. In either case, let them write down their answers. All that really matters is that the test is taken right then, in the order written, as a "pop quiz." No questions in advance - or taken home.
4. Grade it on the spot (they will want to know how they did).
The Answers
"The mind of the intelligent seeks knowledge, but the mouth of fools feeds on folly" (Pr 15:14).
To calculate the score, count the number of correct answers and multiply by 5.
1. One.
2. Moses. In Malachi, God was speaking and simply reiterated the commands in the Law.
3. It was kept in the local town. It was for the local Levite, alien, orphan, and widow.
4. Year one, two, four and five were taken to the designated place (eventually Jerusalem). Year three and six - see question 3 answer. Year seven - see below.
5. There wasn't one. There was not one on year fifty (Year of Jubilee) either.
6. He gave him 10% of the choicest spoils of a bunch of stuff he had no intention of keeping anyway. He gave nothing of his own possessions.
7. Yes. Those Levites not of Aaron's family gave a tithe of the tithe they received. They gave it to the priests of Aaron's family.
8. None. The tithe was never money.
9. The tithe of year one, two, four and five were shared by the tither with the Levite in a celebratory meal when the tithe was given. What was left over stayed with the Levite. In year three and six, it appears the tither deposited the whole amount in the local town without partaking of any of it.
10. There was no "group" to give it to of which we know. If the testee simply says, "God," go ahead and give him/her credit. The testee is still going to flunk.
11. God had to be with him, keep him on his journey, give him food to eat, give him garments to wear, and return him safely to his father's house. At that point, God would be his God. The tenth came (we assume) twenty years later. It was a vow fulfillment.
12. After the Bill of Rights was adopted in the United States.
13. American Theologians in the Higher Criticism of Systematic Theology.
14. The loss of the church's ability to tax citizens (The First Amendment in the Bill of Rights) caused a financial crisis in the church. That led to this "rediscovery."
15. No. Family responsibilities come first. There is no tithe for Christians anyway.
16. There aren't any. Christians are not Jews under Law.
17. He didn't, because there isn't one.
18. They didn't, because there isn't one.
19. It was saved ... most likely at home by each contributor.
20. There is no such thing as a parachurch ministry, and there is no tithe for the Christian either. All the assumptions in this question are nonsense.
These answers are correct.
The teaching that is going around today is not the Tithe of the Bible. In fact, this "new teaching" is totally foreign to the Bible. A legitimate Biblical word and teaching (tithe) has been hijacked - and applied it to this new concoction.
God does have specific priorities for your money. But those purposes are not a part of this "new teaching." This "tithe" teaching is actually extortion in the Name of the Lord Jesus Christ. But, it is not just the extortioner who will be held to account. The one being duped is also accountable. It is our responsibility to seek out God's knowledge and will in all matters. And in this matter, "I have not spoken in secret, in some dark land" (Isa 45:19). God's material on the tithe, and His priorities for our money, are clearly stated in the Bible - there for the reading.
So, how did you do? Are you comfortable with your current knowledge level on this matter?
This Test comes from Robin's Ebook on the [http://www.freelygive-n.com/Tithe_and_Offering.html]Tithe and Offering. Learn why Christians have never been required to tithe, and how today's new teaching has nothing to do with the tithe. Also, post your score there - and see how others did, too! Get this [http://www.freelygive-n.com/Free_Christian_Ebook_Home.html]Free Christian Ebook (and others) at freelygive-n.com! Robin has a BA, Bus Admin (Millign College '90) and M-Div (Emmanuel School of Relign '92).
Article Source: http://EzineArticles.com/?expert=Robin_Calamaio http://EzineArticles.com/?The-Tithe-Test&id=825038

Saturday, April 5, 2008

Make Extra Money From Home To Pay Off Debt

You CAN Make Money From Home, An Online Business That Works
By [http://ezinearticles.com/?expert=Tim_Eutin]Tim Eutin

Whoever said "It's a jungle out there" must have been referring to internet marketing! If you have been searching for a way to make money online you know exactly what I mean. You have landed on the sleek "no-info-all-hype" sales pages that promise big cash fast and a lot of useless free downloads if you "buy now" ("Capture pages" to use the IM lingo). You've signed up for the free news letters that promise useful information but only deliver sales pitches – daily or weekly. If you are like I was, you might have become frustrated and disillusioned and have been tempted to give up. Don't. You too can make money on line.

Breakthrough!

My breakthrough came when I happened upon a free ebook called The Affiliate Masters Course. I don't remember exactly how I came across this course. It was during a time when I was reading everything that I could about internet marketing. I wanted real information that would help, but usually ended up on sales pages with no useful information.

The Affiliate Masters Course was different in that it contained information that was practical and useful. It was much more than a sales page. It was information that I could use, and a lot of of it! And it was free.

One of the things that this free book taught me was that I had a website inside of me that was both fun, easy to build, profitable and I could do it from home working part time. The answer to my internet business was within me, not on some sales page hawking affiliate programs, losing money on pay-per-click ad campaigns. Breakthrough!

The answer to an effective online business is to do something that you are passionate about. Turn your hobby into a business. Turn your passion into a business. Get paid for doing something that you love to do. Everyone is an expert at something - even you! You have special skills and knowledge that can help other people.

Perhaps you are a mother of four and you spend your day at home raising your children (a tough, but lovable job to be sure). You don't have time for a hobby and you don't think you have any special knowledge that people would need or find interesting. Wrong! You can write about raising children, running a large household on a shoe string budget or give encouragement to other women that are in the same life situation that you are. Young mothers need to know what you already know. Your knowledge would be a blessing to a mother that is facing situations that you have faced and overcome.

My Hobby - My Business

One of my passions, and the one that I have turned into an online business is Southern Gospel Music. By following the information in the Affiliate Masters Course, I was able to turn this hobby into a profitable website. (Check it out at [http://www.southern-gospel-music-lyrics.com ]www.southern-gospel-music-lyrics.com )It's fun. It's easy to write about. It's sustainable and I don't have to spend money on PPC campaigns to get traffic.

What's your passion? Do you like cooking? Fishing? Model Cars? Bungie Jumping? Yodeling? Whatever it is - you can turn it into a profitable, fun, easy to maintain business. When you turn your passion into a business the journey on the road to success is as enjoyable as reaching the destination.

The Affiliate Masters Course is a free resource available at http://www.therockmarketinggroup.com You can find additional information about turning your hobby, passion or interests into an online business at http://www.smilingcatmarketing.com

Tim Eutin is a Christian broadcaster and has been hosting the Morning Show on the He's Alive Radio Network for nearly a decade. His interest in generating a second income to help with his children's college expenses led him to research internet related businesses. He enjoys sharing his experiences.

Article Source: http://EzineArticles.com/?expert=Tim_Eutin http://EzineArticles.com/?You-CAN-Make-Money-From-Home,-An-Online-Business-That-Works&id=570090

Friday, April 4, 2008

Live Debt Free ! Christian Debt Consolidation

Lead A Debt Free Life With Christian Debt Consolidation Loan
By [http://ezinearticles.com/?expert=Tom_Frederick]Tom Frederick

You need loan to accomplish your task but you are in a dilemma because of your God fearing acts and avoid taking loans or going under some debts. But sometimes, circumstances play havoc role and one is forced into things that one does not wish to do. But one has to come out of that crunch to lead a financially stable life but cannot rely on loans providers due to your beliefs. Hence, you can rely on Christian debt consolidation loan as it will solve your problem without hurting your religious sentiments.

This Christian debt consolidation loan is a service that many financial organizations offer to those Christians who have reservations about debt. Generally, we come across people who have their doubts and reservations regarding the debts. Generally, you must have witnessed many people who are dead against loans and debts but now with the change in times, you can find people going for loans if the services provided are within the limits of Christianity. And moreover, do not create problems or cause harassment to the family. Therefore, many loan providers and financial institutions understand the worries of people seeking loans and also offer online Christian debt consolidation loan planning services also.

Do not hesitate any more, as when you are taking Christian debt consolidation loan; you are not going against the laws and principles of Christianity. This is because the procedure adopted are based on the laws the religion. If however, because of any unforeseen situation or circumstance you have fallen into the trap of debt trap and are unable to get out of it then you can always look forward to Christian debt consolidation loan without any fear. Well, you can always share queries regarding your inhibitions about the loans from the representative of the organization. Moreover, you can also tell your exact financial position like, how much do you owe to different lenders? All you have to do is to provide them with details of loans taken from various creditors along with your budgetary limitations. As a result, the organizations will come out with various solutions that are suitable for you. Christian debt consolidation services will further offer you a loan that will end all worries in a one go.

In fact, the term of loan will be extended so that the monthly installment can be brought down to the minimal amount. The good news is that the organization will additionally provide you with religious counseling to clear your doubts on Christian debt consolidation loan. In fact, due to this loan, your creditors offer significant rebates to you while considering your good intentions about paying off all debts. However, the interests are also involved in the process of debt consolidation because once you file bankruptcy it will take even more time to clear the matters. So, in spite of all your good intentions if you are still in a financial problem then going for Christian debt consolidation loan is not a bad idea and will not hurt your religious beliefs also. Hence, you can bury all your problems forever with the help of Christian debt consolidation loan.

Tom Frederick is a renowned debt consolidator and advisor and has been dealing with Christian debt consolidation programs. If you want to know more about Christian debt consolidation, [http://www.christiandebtfreedom.com/christian-debt-consolidation-loan.php]Christian debt consolidation loan,Free christian debt and Christian debt help, you can visit [http://www.christiandebtfreedom.com]www.christiandebtfreedom.com

Article Source: http://EzineArticles.com/?expert=Tom_Frederick http://EzineArticles.com/?Lead-A-Debt-Free-Life-With-Christian-Debt-Consolidation-Loan&id=776920

Thursday, April 3, 2008

Christian Mortgage - What Are The Benefits?

Seven Benefits of a Christian Mortgage
By [http://ezinearticles.com/?expert=Martin_Lukac]Martin Lukac

The Christian Mortgage concept is built on the basis of Christian faith and principle. Various institutions around the world follow Christian Mortgage principles to shape their terms and conditions.

According to Catholic social teaching a mortgage is the provision under which people is permitted to utilize the merchandise of the globe. It signifies that no one is bestowed with the illogical right of private property while others in the world suffer from lack of it.

There are seven basic components that are found to be most attractive in choosing a Christian Mortgage.

Seven Benefits of Christian Mortgage: -

Benefits of Christian Mortgage #1 - Refinance to get a better rate: There are two types of mortgage loans in consideration of interest rates available - (a) Fixed Rate Mortgages (FRMs) and (b) Adjustable Rate Mortgages (ARMs). When you have cash down your credit at certain amount, it would be wise to opt for an ARM in exchange of a FRM. Christian Mortgage institutions often offer this opportunity to refinance. Moreover, Christian Mortgage institutions offer remarkably low rates in comparison to other institutions.

Benefits of Christian Mortgage #2 -Second Mortgages to consolidate debt or for other purposes: Christian Mortgage many times offers a second mortgage to a single person. By this way, one can get a second mortgage on a single property, after the first mortgage payment is cleared; or on the other hand, one can identify another property to mortgage when they are still paying a mortgage debt.

Benefits of Christian Mortgage #3 -Lower monthly payments: A very important benefit from a Christian Mortgage is its lower monthly payment. A monthly payment comprises of a basic payment with some interest rate. Christian Mortgages by providing you with a low interest rate cuts down your monthly payments and thereby your monthly expenses to a large extent.

Benefits of Christian Mortgage #4 -Cash Out Equity: Another benefit of Christian Mortgage is cash-out equity. When a person recognizes that the value of her/his asset has increased, or that the principal has been paid down to a particular amount, then she or he can re-borrow on that principal. The homeowner may "cash out" this equity in the home. By this way one can get some extra fund as cash. Christian Mortgage offers this Cash out Equity system to be used as extra cash for other beneficial purposes.

Benefits of Christian Mortgage #5 -Large tax Benefits: Christian Mortgages always fall under release of tax amount. As the basis of Christian Mortgages is social welfare and as Christian Mortgage offers genuine help to the needy people, governmental tax decreases upon this mortgage. Thus it offers a large tax benefit with it.

Benefits of Christian Mortgage #6 -Short Duration of Payment in few cases: Christian Mortgage in general offers short payment duration depending on the amount of debt. But considering the other types, Christian Mortgage institutions always aims to shape their offer personally either on shorter payment period, or shorter monthly payment amount.

Benefits of Christian Mortgage #7 - Private Mortgage Insurance: PMI is extra insurance that lenders require from most homebuyers who obtain loans that are more than 80 percent of their new home's value. But in Christian Mortgage, the PMI starts at lower cash down limit, considering the borrowers' financial status.

1ChristianFinance.com provides [http://www.1christianfinance.com] Christian finance analysis and [http://www.1christianfinance.com/christian-mortgage.html]christian mortgage assistance with your home loan. For more information please visit #1 Christian Finance [http://www.1christianfinance.com/tips/4.html]Seven Benefits of Christian Mortgage

Article Source: http://EzineArticles.com/?expert=Martin_Lukac http://EzineArticles.com/?Seven-Benefits-of-Christian-Mortgage&id=594519

Wednesday, April 2, 2008

Financial Freedom The Christian Way

Christian Principles For Financial Freedom - Plan For Personal Finances and Debt As A Christian
By [http://ezinearticles.com/?expert=Jon_Foster]Jon Foster

Are you facing financial difficulties as a Christian?. As Christians, we do not want to be greedy, but how can we still find financial freedom for our families and support our church using godly principles? I want to go over a few Christian concepts behind financial planning and show you why it is important (and godly!) to educate yourself about money matters.

A common misconception is that Christians should not be concerned about money. We often quote the Bible, which says that "the love of money is the root of all evil" and that you "cannot serve two masters". It is true that we should not idolize money. But that is no excuse for ignorance or folly! Jesus gave several financial-flavored parables about stewardship. The bottom line is that Christians should be good stewards of all their resources - including their finances. This will not only help us, but also let us bless others with our financial resources. Furthermore, we do not want to be enslaved to debt as a Christian - we should be free in Christ!

Financial planning for Christians is an important part of our stewardship. How do we get started? We could quit our jobs, and sit at home praying constantly for money. This is not necessarily godly, though. Even Paul the apostle worked a daytime job as a tent-maker while he preached the gospel. Don't think that you are better than the apostles! Instead, you should start looking at educational resources related to Christian financial planning. The Bible teaches us to seek wisdom (see Proverbs, for example). We need to look for Christian teaching on financial planning that follows ethical principles. Some ideas are obvious, such as tithing to our church. However, many people need help learning how to manage cash flow, and dealing with debt, assets, and liabilities.

In summary, Christian financial planning is a godly concept. Learning how to achieve financial freedom is part of being a Christian steward. Seeking financial wisdom is the first step, and very appropriate for Christians. There are many excellent resources on financial planning, but make sure you follow one with Christian principles.

If you are interested in taking a course on how to achieve financial freedom as a Christian, visit http://www.squidoo.com/christianfinancialfreedom or http://www.thewebfind.com/christianfinancialfreedom.html

Article Source: http://EzineArticles.com/?expert=Jon_Foster http://EzineArticles.com/?Christian-Principles-For-Financial-Freedom---Plan-For-Personal-Finances-and-Debt-As-A-Christian&id=1052678

Guide To Christian Debt Consolidation Companies

Guide to Leading Christian Debt Consolidation Companies
By [http://ezinearticles.com/?expert=Larry_Mitchell]Larry Mitchell

Are you ready to take control of your finances and reclaim your faith? There are many debt consolidation companies out there offering to help, but it is only Christian debt consolidation companies that are staffed by professionals who understand your Christian convictions. They also know that your faith and your integrity require that you pay your debts, so bankruptcy is not an option you want to consider. Even among Christian debt consolidation companies, however, there are many to choose from. How do you find one that is reputable and best suits your needs? Crown Financial Ministries, Family Life Resources, and United Christian Financial are among the leaders in Christian debt consolidation.

Crown Financial Ministries is unique in that it is dedicated to teaching the Word of God, while helping individuals, families and businesses gain financial freedom. Crown Financial Ministries is a Christian company that focuses on educating you about how to manage your money. They stress the importance of living within your means, no matter what your income. Crown Financial Ministries offers a variety of educational materials that will help teach you what the bible tells us about dealing with money, and than it follows that up with the tools you need to get your financial house in order. The services and guidance offered by Crown Financial Ministries goes far beyond the scope of most Christian debt consolidation companies. Their services include counseling, help with budgeting, guidance for children and teens, and so much more.

Family Life Resources is another of the leading Christian debt consolidation companies. They offer counseling services, education services and a debt management program. The goal at Family Life Resources is to provide Christians the tools they need to escape from the imprisonment of debt and step onto the path of financial freedom. The staff at Family Life Resources understands that as a Christian, you want to pay off your debt. With their debt freedom program, you are not taking on yet another loan to be paid off, but rather working with credit counselors who understand your needs. They will contact your creditors and help you to consolidate your debts into one monthly payment. Family Life Resources offers counseling and educational materials to guide you through each step toward your goal of financial freedom.

Another option in Christian debt consolidation is United Christian Financial. United Christian Financial is a reputable Christian debt consolidation company with a deep understanding of how your faith affects your concerns about money. United Christian Financial helps consolidate your debts without taking on the burden of yet another loan. When you use the services of United Christian Financial you’ll speak to a Debt Repayment Representative who will work with you and your creditors to get you out of debt.

No matter which Christian debt consolidation company you choose, be sure that you are working with people who understand your needs in regard to both your finances and your faith. A good starting point is [http://www.ChristianDebtHelp.info]Christian Debt Help, an independent Web site which provides reviews of many Christian debt consolidation companies.

Crown Financial Ministries, Family Life Resources and United Christian Financial are a few of the leading Christian debt consolidation companies. With any of them, you can be sure that you will be acting in accordance to the Word of God when it comes to handling your finances. They will also offer you all the tools you need to create a life free of constant worries over your finances.

Larry Mitchell is a San Francisco based author.

Article Source: http://EzineArticles.com/?expert=Larry_Mitchell http://EzineArticles.com/?Guide-to-Leading-Christian-Debt-Consolidation-Companies&id=221942

Christian Financial Information

What is Christian Finance
By [http://ezinearticles.com/?expert=Martin_Lukac]Martin Lukac

Christian Finance is a Biblically based concept to help teach believers their stewardship duties and to be a responsible Christian investor with their money. They teach Christian financial principles such as goals, budgeting, debt elimination, saving, financial management, tithing, and giving.

Why should a Christian investor consider having a Christian finance and hiring a Christian Financial service professional?

Having your finances managed by a Christian Finance professional that understands and applies Biblical truths can help you become a better and more effective steward with God's resources. The main reason is because the investor and advisor are both Christians, they share similar values. The advisor understands Biblical principles such as tithing, budgeting, debt reduction, saving, investing and giving. After the initial interview process of numerous financial related questions, the financial advisor can identify areas of improvement for the client.

Having your Christian finances managed by a financial professional that utilizes Biblical truths can give you a peace-of-mind with your finances. If you are in debt and can only make minimum monthly payments, the last thing you need is another loan. What you need is someone to help - you need a debt management program and that's exactly the right moment to go in for Christian Finance. The debt management programs pairs you with a Debt Repayment Representative who will work with you and your creditors to lower your interest rates, reduce late fees, and bring your accounts up to date. You will begin making one lower monthly payment and pay off your debts years sooner than on your own. People involved in debt management companies typically pay off their debts in just 3-6 years!

To have a good Christian Finance record and program, it is necessary to have a good Christian Counsel. To find a good counsel there are two important areas to consider.

1.The first is how they are compensated. It is very difficult to receive unbiased advice from someone who is trying to sell a financial product. So, an obvious limitation that Christians should easily recognize is whether the people giving them Christian Finance advice are actually giving wise advice or just a sales pitch. It is always recommended to seek a fee-only financial planner or investment advisor that is also a believer of Christ.

2.The second part is to find Christian Finance counselors with like minds, attitudes and principles. Many financial advisors who profess to be Christians live lifestyle that are far from Christ-like. Likewise there are those who are very good Christians, but they have no knowledge or wisdom concerning the biblical principles of finance

The best method for locating good Christian Finance counsel is from other Christians who have received similar help or consultation in the past. This could be fellow church attendees, pastors, or Christian businesspeople. Additionally, this type of information could perhaps be found at Christian professional associations, societies, and organizations, both locally and nationally.

Without a doubt, good Christian Finance counsel is available for all who seek such counsel. But prayer, wisdom, and caution must be foremost in order to select the most qualified counselors and those whose lives and expertise conform to God's will for the lives of the counselees.

1ChristianFinance.com provides [http://www.1christianfinance.com/christian-mortgage.html]Christian mortgage quote and [http://www.1christianfinance.com/christian-debt-consolidation.html]Christian debt consolidation financial marketplace which connects consumers with finance lenders who will help you develop a solid financial plan for your home. For more information please visit [http://www.1christianfinance.com/tips/5.html]What is Christian Finance

Article Source: http://EzineArticles.com/?expert=Martin_Lukac http://EzineArticles.com/?What-is-Christian-Finance&id=594521

Christian DebT Help

Sort Out Your Financial Worries With Christian Debt Help
By [http://ezinearticles.com/?expert=Tom_Frederick]Tom Frederick

Living on the edge and on borrowed money has become the modern trend for the youth of today and often they do not realize the pitfalls unless and until it is too late. The credit card companies are making a killing as more and more individuals fall prey to the temptation of buying on credit and the 'buy now pay later' schemes. As these schemes have the provision of paying a minimum amount each month or that of monthly installments, we often think that it will be easier on our pockets. However, a sudden change for the worse in our financial circumstances can create a big obstacle in repayment of the credit while the interest and penalty for non-payment keeps piling up. Soon the debts become a huge burden and people incur further debts to repay existing loans. The vicious circle of multiple debts can become too much to handle and the individual is in deep financial trouble. Services like the Christian debt help can make a difference and help you achieve debt freedom in this case.

The Christian debt help service is provided by a group of fellow Christians who have the good of society in large as their main motive. The Christian debt help provides not just financial guidance and support that helps to better manage the funds of the debtor but the support extends much beyond that. The people in the organization negotiate on behalf of the debtor with the creditors and lenders in order to freeze or reduce the interest and penalty on the loan amount. Also, the multiple debts are consolidated under a single, affordable monthly payment that makes it much easier for the borrower to repay all loans as a single installment.

The Christian debt help service also extends to offer of a loan at a low rate of interest with the help of which the debtor can in fact, repay all his loans at one go. Then the repayment of the low interest loan from the organization becomes an easy task. The help is provided to the debtors on the basis of the Christian principles and beliefs that make it a sin to serve more than one master. When you are indebted to someone then the lender also becomes your master besides God and this is not correct. Hence, the organization helps the individual achieve freedom from debt and also freedom from the sin of debt.

When you opt for Christian debt help you get strong moral support in addition to the financial counseling and debt management guidance. In difficult times, it greatly boosts our confidence to have people support us and have faith in our integrity and ability to repay past debts. Once a debtor realizes his mistake of having gotten into the vicious circle of debts, he can then also warn others of his folly and in turn this sets off a positive ripple effect for the betterment of society. So it is always better to avoid living out your dreams on borrowed money and in case you find yourself in such trouble take the best way out through debt counseling and guidance.

Tom Frederick is a renowned debt consolidator and advisor and has been dealing with Christian debt consolidation programs. If you want to know more about Christian debt consolidation, Christian debt management, Christian debt relief and target=_new [http://www.christiandebtfreedom.com/christian-debt-help.php]Christian debt help you can visit target=_new [http://www.christiandebtfreedom.com]www.christiandebtfreedom.com

Article Source: http://EzineArticles.com/?expert=Tom_Frederick http://EzineArticles.com/?Sort-Out-Your-Financial-Worries-With-Christian-Debt-Help&id=996939