Feb
28
Are any Christians tired of the Christian life & find it to be more of a burden than a joy to live?
Filed Under Christian Life | 13 Comments
Ronald Reagan asked:
Because after 17 years of being a Christian that’s where I’m at. The past 17 years of my life have been worse than the previous 23 before being one. I find many Christians to be rude and obnoxious, so much so that I haven’t attended Church for years, and quite honestly, I to am probably one of those Christians because I’m so unhappy, but some of them have no reason to not be happy.
FRALEY
Because after 17 years of being a Christian that’s where I’m at. The past 17 years of my life have been worse than the previous 23 before being one. I find many Christians to be rude and obnoxious, so much so that I haven’t attended Church for years, and quite honestly, I to am probably one of those Christians because I’m so unhappy, but some of them have no reason to not be happy.
FRALEY
Feb
27
Oscar Effing Wilde asked:
Is it fun? Can a hamster get in on that action?
MEEKS
Is it fun? Can a hamster get in on that action?
MEEKS
Feb
26
ICE asked:
Hi, I am just wondering if being a Christian should watch the daily news regarding things happen to the globe. What about movies?? I am not talking about **** but movies from Hollywood or TV shows? Is it a sin itself?? Thanks
SAENZ
Hi, I am just wondering if being a Christian should watch the daily news regarding things happen to the globe. What about movies?? I am not talking about **** but movies from Hollywood or TV shows? Is it a sin itself?? Thanks
SAENZ
Feb
24
Filed Under Music | Comments Off
Music Teacher asked:
Music teaching tips should be accurate and precise at all times. No matter how great or little they can be, they should serve their purpose of helping the recipient get the improvement and growth they truly deserve.
The earliest music was probably connected to religion according to historians. Long ago, people believed the world was controlled by a variety of gods. Keeping the gods happy was deemed very important to survival. Singing was among the first things humans did to show respect to their so-called gods.
Singing is still an important part of most religions. Buddhists, Christians, and Jews all use chants and/or songs in their religious ceremonies. The Christian Bible instructs those who love God to “make a joyful noise unto the Lord…” and other religions provide similar instructions. If you have ever sung a song – religious or otherwise – you know that singing is fun. The feeling of joy that comes from singing must also have made ancient people feel happy.
Singing was also done before with different activities. Another time people sang was when they worked. One of the best examples is the mining activity of Snow White’s seven dwarfs. Soldiers likewise sang as they marched into battle. Farmers sang one song as they planted and another when they harvested. Singing made the work less burdensome. People used the tunes to pace themselves. Sometimes, they followed instructions through songs.
Music brings entertainment so as singing. Today’s singing compared to ancient times’ is more polished – from an a cappella to a more different singing accompanied by musical instruments. With a tradition conventionally taught by the ancient people to many generations, music schools provide advanced teaching principles and learning techniques to aspirant musicians and singers. If before, it was purely imitating the ways of the elders; now, developing your own creative style through music teachers is highly recognized and appreciated.
These music schools or centers use music teaching tips so they can simply help their students learn music. Music teaching tips tackle the different ways of furnishing music knowledge to students in the perspective of the educators. Music learning has always been easy with the help of the people who know more about it – the music teachers. Certainly, that what music schools mainly offer.
The advantage of readily available music teaching tips is that teachers do not have to improvise teaching techniques to their class. The tips themselves are techniques and just have to be enhanced for outputs that are more effective. These music teaching tips focus mainly in playing instruments, singing, and other related topics.
It can be said that ‘music teaching tips’ are also ‘music learning tips’ for when teaching is learned, learning is most likely to follow.
JASPER
Music teaching tips should be accurate and precise at all times. No matter how great or little they can be, they should serve their purpose of helping the recipient get the improvement and growth they truly deserve.
The earliest music was probably connected to religion according to historians. Long ago, people believed the world was controlled by a variety of gods. Keeping the gods happy was deemed very important to survival. Singing was among the first things humans did to show respect to their so-called gods.
Singing is still an important part of most religions. Buddhists, Christians, and Jews all use chants and/or songs in their religious ceremonies. The Christian Bible instructs those who love God to “make a joyful noise unto the Lord…” and other religions provide similar instructions. If you have ever sung a song – religious or otherwise – you know that singing is fun. The feeling of joy that comes from singing must also have made ancient people feel happy.
Singing was also done before with different activities. Another time people sang was when they worked. One of the best examples is the mining activity of Snow White’s seven dwarfs. Soldiers likewise sang as they marched into battle. Farmers sang one song as they planted and another when they harvested. Singing made the work less burdensome. People used the tunes to pace themselves. Sometimes, they followed instructions through songs.
Music brings entertainment so as singing. Today’s singing compared to ancient times’ is more polished – from an a cappella to a more different singing accompanied by musical instruments. With a tradition conventionally taught by the ancient people to many generations, music schools provide advanced teaching principles and learning techniques to aspirant musicians and singers. If before, it was purely imitating the ways of the elders; now, developing your own creative style through music teachers is highly recognized and appreciated.
These music schools or centers use music teaching tips so they can simply help their students learn music. Music teaching tips tackle the different ways of furnishing music knowledge to students in the perspective of the educators. Music learning has always been easy with the help of the people who know more about it – the music teachers. Certainly, that what music schools mainly offer.
The advantage of readily available music teaching tips is that teachers do not have to improvise teaching techniques to their class. The tips themselves are techniques and just have to be enhanced for outputs that are more effective. These music teaching tips focus mainly in playing instruments, singing, and other related topics.
It can be said that ‘music teaching tips’ are also ‘music learning tips’ for when teaching is learned, learning is most likely to follow.
JASPER
Feb
22
Filed Under Insurance | Comments Off
Christian Rios asked:
Permanent Life Insurance comes in two distinct forms:
Whole Life – This type of Life Insurance policy is immune to factors that would otherwise cause an insurance policy’s premium to increase. Two factors that determine insurance premiums are mortality rate and expense costs. As you age, your mortality cost increases and should therefore increase the insurance premium. But with a Whole Life policy, this isn’t the case. The same applies for an insurer’s operating expenses. If an insurance company has to increase its general staff or perhaps rent a larger office space, the cost is usually passed down to policyholders. This would not be the case for Whole Life policy holders. Those who purchase a Whole Life policy are buying a permanent life insurance policy without risk. The disadvantage to a Whole Life policy is if the policyholder decides to add additional coverage, he or she will be required to purchase an additional life insurance policy.
Universal Life – This type of policy is in direct contrast to a Whole Life policy. It is flexible in nature where a Whole Life policy is not. The two factors that determine a Universal Life insurance premium (mortality cost and expense cost) are passed directly on to the policyholder: if expense costs decrease or general interest rates rise, the policyholder benefits by having his or her insurance premium lowered. However, the opposite is also true: should expense costs increase or general interest rates drop, then the policyholder is subject to ever-increasing insurance premiums. Additionally, Universal Life policy holders are allowed the flexibility of increasing or decreasing policy limits without purchasing additional policies. Should you experience difficult times and be unable to afford the premium, you can simply lower the limits in order to decrease your policy premium. Increasing the benefit is also possible but may require the insured to prove good health to the insurer.
Other life insurance terms you should be aware of:
Variable – Variable means the policy holder is allowed to invest the cash value of the policy into areas such as the stock market. This can be beneficial if the cash value is invested wisely and the investment is profitable. However, if a poor investment choice results in a decreased cash value due to unexpected losses, the policyholder will be required to deposit additional funds to cover the cash value loss.
Cash Value Choices – Whenever a policy holder decides to terminate a permanent insurance policy early and that policy has established a cash value, the policyholder has several options available: receive the funds in cash, accept a prepaid permanent insurance for life (but at a decreased death benefit), or accept a term life insurance policy for the full death benefit.
Policy Loans – There is a fourth option to cash value called Policy Loans. The policyholder may borrow against the accrued cash value of his or her life insurance policy. If you decide to take a loan against your cash value and should you die before the Policy Loan is paid back, the insurer will deduct the unpaid loan amount from the death benefit. Although Policy Loans do have an interest rate, it is usually quite low in comparison to conventional loans (it may be as low as 3 to 4 percent when dividend payouts are also factored).
COOKS
Permanent Life Insurance comes in two distinct forms:
Whole Life – This type of Life Insurance policy is immune to factors that would otherwise cause an insurance policy’s premium to increase. Two factors that determine insurance premiums are mortality rate and expense costs. As you age, your mortality cost increases and should therefore increase the insurance premium. But with a Whole Life policy, this isn’t the case. The same applies for an insurer’s operating expenses. If an insurance company has to increase its general staff or perhaps rent a larger office space, the cost is usually passed down to policyholders. This would not be the case for Whole Life policy holders. Those who purchase a Whole Life policy are buying a permanent life insurance policy without risk. The disadvantage to a Whole Life policy is if the policyholder decides to add additional coverage, he or she will be required to purchase an additional life insurance policy.
Universal Life – This type of policy is in direct contrast to a Whole Life policy. It is flexible in nature where a Whole Life policy is not. The two factors that determine a Universal Life insurance premium (mortality cost and expense cost) are passed directly on to the policyholder: if expense costs decrease or general interest rates rise, the policyholder benefits by having his or her insurance premium lowered. However, the opposite is also true: should expense costs increase or general interest rates drop, then the policyholder is subject to ever-increasing insurance premiums. Additionally, Universal Life policy holders are allowed the flexibility of increasing or decreasing policy limits without purchasing additional policies. Should you experience difficult times and be unable to afford the premium, you can simply lower the limits in order to decrease your policy premium. Increasing the benefit is also possible but may require the insured to prove good health to the insurer.
Other life insurance terms you should be aware of:
Variable – Variable means the policy holder is allowed to invest the cash value of the policy into areas such as the stock market. This can be beneficial if the cash value is invested wisely and the investment is profitable. However, if a poor investment choice results in a decreased cash value due to unexpected losses, the policyholder will be required to deposit additional funds to cover the cash value loss.
Cash Value Choices – Whenever a policy holder decides to terminate a permanent insurance policy early and that policy has established a cash value, the policyholder has several options available: receive the funds in cash, accept a prepaid permanent insurance for life (but at a decreased death benefit), or accept a term life insurance policy for the full death benefit.
Policy Loans – There is a fourth option to cash value called Policy Loans. The policyholder may borrow against the accrued cash value of his or her life insurance policy. If you decide to take a loan against your cash value and should you die before the Policy Loan is paid back, the insurer will deduct the unpaid loan amount from the death benefit. Although Policy Loans do have an interest rate, it is usually quite low in comparison to conventional loans (it may be as low as 3 to 4 percent when dividend payouts are also factored).
COOKS
Feb
19
What should I major in to write and perform contemporary christian music?
Filed Under Christian Music | 2 Comments
Lizzie H asked:
I really want to write and perform contemporary christian music as a future career. What should I major in to do this?
MOSHER
I really want to write and perform contemporary christian music as a future career. What should I major in to do this?
MOSHER
Feb
19
Filed Under Information Technology | Comments Off
Cole Christian asked:
File sharing occurs when folks who are hooked up to the Net use file-sharing programs to replicate files between one another. The moral issues come mostly from the concern that followers of file sharing may infringe copyright laws. This could occur if the content of a file being shared is covered by such laws.
File sharing isn’t always illegal, whether or not the works being shared are covered by copyright. For example, some artists may decide to support freeware, shareware, opensource, or anti-copyright, and advocate the use of file sharing as a free marketing tool. Nearly all shareware, freeware, and open-source software may be shared as much as the end user wishes, depending on the End User Disclaimer for that explicit bit of software. Other non-software related intellectual property might be shared legally in any way the end user needs. Content in the public domain can also freely be shared.
The entire thing has been a sideshow to a main event that long ago turned into a circus, but the participation of groups like the FSF shows just how much attention the case is getting. With Professor Nesson set to argue in court that file-sharing is merely fair use, the case has believed a significance far beyond that of most such court actions, and everybody wants a chance to be heard.
Nesson is preparing a very interesting defense in a P2P robbery case. Rather than arguing that charged file-swapper Joel Tenenbaum didn’t do it, Nesson is saying that Nesson didn’t do anything inaccurate because sharing files with your “friends” over the web isn’t essentially a crime, and is covered under well-established Fair Use laws. Similarly , according to Nesson, the upset party in a file-copying case isn’t entitled to any damages anyway.
Nesson’s methodology is incredibly bold — should he achieve success in this novel defense, it will fundamentally, de-criminalize p-2-p file-sharing forever.
Ares Download – Ares Free Music Downloads
BARNEY
File sharing occurs when folks who are hooked up to the Net use file-sharing programs to replicate files between one another. The moral issues come mostly from the concern that followers of file sharing may infringe copyright laws. This could occur if the content of a file being shared is covered by such laws.
File sharing isn’t always illegal, whether or not the works being shared are covered by copyright. For example, some artists may decide to support freeware, shareware, opensource, or anti-copyright, and advocate the use of file sharing as a free marketing tool. Nearly all shareware, freeware, and open-source software may be shared as much as the end user wishes, depending on the End User Disclaimer for that explicit bit of software. Other non-software related intellectual property might be shared legally in any way the end user needs. Content in the public domain can also freely be shared.
The entire thing has been a sideshow to a main event that long ago turned into a circus, but the participation of groups like the FSF shows just how much attention the case is getting. With Professor Nesson set to argue in court that file-sharing is merely fair use, the case has believed a significance far beyond that of most such court actions, and everybody wants a chance to be heard.
Nesson is preparing a very interesting defense in a P2P robbery case. Rather than arguing that charged file-swapper Joel Tenenbaum didn’t do it, Nesson is saying that Nesson didn’t do anything inaccurate because sharing files with your “friends” over the web isn’t essentially a crime, and is covered under well-established Fair Use laws. Similarly , according to Nesson, the upset party in a file-copying case isn’t entitled to any damages anyway.
Nesson’s methodology is incredibly bold — should he achieve success in this novel defense, it will fundamentally, de-criminalize p-2-p file-sharing forever.
Ares Download – Ares Free Music Downloads
BARNEY
Feb
19
Filed Under Finance | Comments Off
Christian Seemuller VP asked:
By definition, insurance is a contract used to transfer risk of financial loss associated with premature death from the insured to the insurer. Life Insurance can be used in other ways than just providing a death benefit to a beneficiary if a loss occurs in a family setting. A policy can be put in place on the life of a business owner and in the event that there is a death of that owner the Life Insurance policy can help the family replace losses that may occur as a result. For example, there may be loss of income or a loss due to the fact hat the business had to be sold.
There are different ways businesses organize, or structure, themselves. There are corporations that use the incorporated extension at the end of the company name, for example, ABC Life Insurance, Inc. There is the LLC, which is a Limited Liability Corporation. Of course you’ve seen such names as Monroe & Sons, LLC. This way of structuring your business allows the owner’s personal interests and business interests to be kept separate. There are many different ways company’s set themselves up. A few more examples of the different types of company arrangements are C Corporations, S Corporations, Partnerships and Sole Proprietorships. Depending on how they are set up, there are different ways to protect business owners utilizing Life Insurance. For example, if you are a Sole Proprietor, or single business owner, usually business and personal assets are one and the same. This is when a Life Insurance policy that was put into place can be a great help in case of the death of that sole proprietor. The life insurance policy may be use to help keep the business going.
When there is such a devastating event of the loss of life, the last thing anyone wants to worry about is that the business that owner had running like a top could also suffer greatly. Preparation is the key. This is something everyone hopes is never used, but to be properly prepared in case of unplanned events, there should be decisions made by business owners to plan for the unforeseen. When done properly, a Buy/Sell Agreement can keep a business running.
If they are a partnership, which is two or more people in business together for a profit, a Buy/Sell Agreement is a great tool for protection against loss. A Buy/Sell Agreement allows a surviving partner to purchase the deceased partner’s interest in the business. The way insurance is used here is that a policy can be used to provide the money to fund the agreement.
Overall, there is more than one use for Life Insurance. Not all people have the funds to retain the risk of premature death themselves. That is why it is so important to transfer that risk to a life insurance company, or an insurer. It is a good time to get started learning about the industry and how it can enhance your life. Being prepared for the unknown is always a good idea. Insurance products are all different. This is when an industry professional can help simplify things and specify what products are right for a person’s, or businesses, situation.
TANG
By definition, insurance is a contract used to transfer risk of financial loss associated with premature death from the insured to the insurer. Life Insurance can be used in other ways than just providing a death benefit to a beneficiary if a loss occurs in a family setting. A policy can be put in place on the life of a business owner and in the event that there is a death of that owner the Life Insurance policy can help the family replace losses that may occur as a result. For example, there may be loss of income or a loss due to the fact hat the business had to be sold.
There are different ways businesses organize, or structure, themselves. There are corporations that use the incorporated extension at the end of the company name, for example, ABC Life Insurance, Inc. There is the LLC, which is a Limited Liability Corporation. Of course you’ve seen such names as Monroe & Sons, LLC. This way of structuring your business allows the owner’s personal interests and business interests to be kept separate. There are many different ways company’s set themselves up. A few more examples of the different types of company arrangements are C Corporations, S Corporations, Partnerships and Sole Proprietorships. Depending on how they are set up, there are different ways to protect business owners utilizing Life Insurance. For example, if you are a Sole Proprietor, or single business owner, usually business and personal assets are one and the same. This is when a Life Insurance policy that was put into place can be a great help in case of the death of that sole proprietor. The life insurance policy may be use to help keep the business going.
When there is such a devastating event of the loss of life, the last thing anyone wants to worry about is that the business that owner had running like a top could also suffer greatly. Preparation is the key. This is something everyone hopes is never used, but to be properly prepared in case of unplanned events, there should be decisions made by business owners to plan for the unforeseen. When done properly, a Buy/Sell Agreement can keep a business running.
If they are a partnership, which is two or more people in business together for a profit, a Buy/Sell Agreement is a great tool for protection against loss. A Buy/Sell Agreement allows a surviving partner to purchase the deceased partner’s interest in the business. The way insurance is used here is that a policy can be used to provide the money to fund the agreement.
Overall, there is more than one use for Life Insurance. Not all people have the funds to retain the risk of premature death themselves. That is why it is so important to transfer that risk to a life insurance company, or an insurer. It is a good time to get started learning about the industry and how it can enhance your life. Being prepared for the unknown is always a good idea. Insurance products are all different. This is when an industry professional can help simplify things and specify what products are right for a person’s, or businesses, situation.
TANG
Feb
18
Filed Under Insurance | Comments Off
Christian Ward asked:
Term life insurance can be a confusing topic and purchasing life insurance can be a daunting task, to some. With so many options out there, it may seem impossible to fully understand where to start. While some consider universal life insurance, many have turned to term life insurance. Either way, however, smoking can severely affect the amount that you pay. Term life insurance rates will affect people who smoke.
How smoking affects term life insurance rates
Something important to understand about term life insurance rates is that they’re easily affected by multiple lifestyle habits that affect your health. One of the major things that life insurance companies look for is the health of the individual. Depending on your health, and the things you do that affect your body, your term life insurance rates may go up or down. Life insurance companies focus on health for good reason. They want their customers living long, prosperous lives. This benefits both parties. For the insured, the longer that you stay insured, the longer you can be protected by your policy. For the insurer, the longer the insured pays for insurance, the more money the company accumulates. With that being said, it becomes more obvious as to why health plays a part in term life insurance rates.
But how exactly does smoking affect term life insurance rates? It’s common knowledge that smoking is bad for your health. The affect that smoking has on the individuals who smoke is impossible to ignore. There are many illnesses, many resulting in death, that are linked to smoking. The life expectancy of smokers is shorter than those who do not smoke. When life insurance companies identify that an applicant is a smoker, it automatically raises red flags. The person is considered to have a shorter life span, and is expected to possibly have health issues later in life. Because of this, term life insurance rates for that specific individual, are likely to be higher.
How can they tell if I smoke?
There are multiple ways that life insurance companies can tell if someone is a smoker. First, there is a questionnaire that is given to every individual looking into term life insurance rates. Some of these questions include smoking. Many see this and think that it would be easy to lie to the company, saying that you do not smoke. That is untrue. One of the other steps in the process of getting life insurance is to have a medical exam. The company is looking for specific things through this exam. Because there are chemicals left behind in your body by smoking (such as nicotine), the company can easily tell if you are a smoker. This is why it is important to understand that you should never lie on the questionnaire, under any circumstances. All of your life insurance (and policies) can be revoked if they find out you lied.
How can I lower my term life insurance rates?
While it is easier said than done, managing to quit smoking can lower your rates. If you are already locked into a life insurance policy, you are allowed to update your medical exam at any time. If you have quit smoking, updating this exam can be a way to show that you’ve quit. While quitting smoking can be difficult, managing to do so can help you out in lowering your term life insurance rates.
COVERT
Term life insurance can be a confusing topic and purchasing life insurance can be a daunting task, to some. With so many options out there, it may seem impossible to fully understand where to start. While some consider universal life insurance, many have turned to term life insurance. Either way, however, smoking can severely affect the amount that you pay. Term life insurance rates will affect people who smoke.
How smoking affects term life insurance rates
Something important to understand about term life insurance rates is that they’re easily affected by multiple lifestyle habits that affect your health. One of the major things that life insurance companies look for is the health of the individual. Depending on your health, and the things you do that affect your body, your term life insurance rates may go up or down. Life insurance companies focus on health for good reason. They want their customers living long, prosperous lives. This benefits both parties. For the insured, the longer that you stay insured, the longer you can be protected by your policy. For the insurer, the longer the insured pays for insurance, the more money the company accumulates. With that being said, it becomes more obvious as to why health plays a part in term life insurance rates.
But how exactly does smoking affect term life insurance rates? It’s common knowledge that smoking is bad for your health. The affect that smoking has on the individuals who smoke is impossible to ignore. There are many illnesses, many resulting in death, that are linked to smoking. The life expectancy of smokers is shorter than those who do not smoke. When life insurance companies identify that an applicant is a smoker, it automatically raises red flags. The person is considered to have a shorter life span, and is expected to possibly have health issues later in life. Because of this, term life insurance rates for that specific individual, are likely to be higher.
How can they tell if I smoke?
There are multiple ways that life insurance companies can tell if someone is a smoker. First, there is a questionnaire that is given to every individual looking into term life insurance rates. Some of these questions include smoking. Many see this and think that it would be easy to lie to the company, saying that you do not smoke. That is untrue. One of the other steps in the process of getting life insurance is to have a medical exam. The company is looking for specific things through this exam. Because there are chemicals left behind in your body by smoking (such as nicotine), the company can easily tell if you are a smoker. This is why it is important to understand that you should never lie on the questionnaire, under any circumstances. All of your life insurance (and policies) can be revoked if they find out you lied.
How can I lower my term life insurance rates?
While it is easier said than done, managing to quit smoking can lower your rates. If you are already locked into a life insurance policy, you are allowed to update your medical exam at any time. If you have quit smoking, updating this exam can be a way to show that you’ve quit. While quitting smoking can be difficult, managing to do so can help you out in lowering your term life insurance rates.
COVERT
Feb
17
Filed Under Finance | Comments Off
Michael Young asked:
Who Wants to be Rich?
Admit it, you watched and dreamed of getting the Lottery. You chase the American dream and buy into the Madison Avenue propaganda. The advertising industry wants to place you in slavery. Sadly, so many Americans do just that. Spend now, pay later and pay, pay, pay. Now you can show your kids a way that they can be wealthy.
Lets do some math… Ben invests $2000 dollars every year starting at age 19 and after he turns 27 he doesnt add any more money to that savings account. Arthur doesnt saving any money until he is age 27 and then saves $2000 dollars each year until he is age 65. Who has the most wealth at age 65?
At age 65 Arthur has a return on investment. He has grown his money to $1,532,166. Hes now a millionaire after scratching and saving $2000 dollars a year for 38 years. What happened with Ben? He quit posting any money to his account after he turned 27 years old and only saved for 8 years. Ben however at age 65 now has $2,288,996 in his account. Don’t miss this! Ben accumulates more wealth because he started investing sooner and let the magic of compound interest do the rest. Imagine what he would have if he would have continued to add the $2000 a year!
The terrible truth… 19% of Citizen between the ages of 18-24 declared bankruptcy in 2001 – USA Today, 2001 The fastest growing group of bankruptcy filers are college age adults who are 25 years of age or younger – Senate Committee on Banking, Housing and Urban Affairs, 2002 Nearly half of college-age adults (49%) said they feel they are more likely to become wealthy by starring in a reality TV series than by learning how to budget and save wisely (36%) -Visa USA, 2003
The Bible has much to say about money. Jesus said, Ones life does not consist in the accumulation of material things (Luke 12:15) and Paul modeled, I have learned to be at peace whatever the situation (Phil. 4:11) Train your kids to save early and dont touch the savings. You can learn how to change your financial story and ensure your kids live a life of prosperity.
CARRIER
Who Wants to be Rich?
Admit it, you watched and dreamed of getting the Lottery. You chase the American dream and buy into the Madison Avenue propaganda. The advertising industry wants to place you in slavery. Sadly, so many Americans do just that. Spend now, pay later and pay, pay, pay. Now you can show your kids a way that they can be wealthy.
Lets do some math… Ben invests $2000 dollars every year starting at age 19 and after he turns 27 he doesnt add any more money to that savings account. Arthur doesnt saving any money until he is age 27 and then saves $2000 dollars each year until he is age 65. Who has the most wealth at age 65?
At age 65 Arthur has a return on investment. He has grown his money to $1,532,166. Hes now a millionaire after scratching and saving $2000 dollars a year for 38 years. What happened with Ben? He quit posting any money to his account after he turned 27 years old and only saved for 8 years. Ben however at age 65 now has $2,288,996 in his account. Don’t miss this! Ben accumulates more wealth because he started investing sooner and let the magic of compound interest do the rest. Imagine what he would have if he would have continued to add the $2000 a year!
The terrible truth… 19% of Citizen between the ages of 18-24 declared bankruptcy in 2001 – USA Today, 2001 The fastest growing group of bankruptcy filers are college age adults who are 25 years of age or younger – Senate Committee on Banking, Housing and Urban Affairs, 2002 Nearly half of college-age adults (49%) said they feel they are more likely to become wealthy by starring in a reality TV series than by learning how to budget and save wisely (36%) -Visa USA, 2003
The Bible has much to say about money. Jesus said, Ones life does not consist in the accumulation of material things (Luke 12:15) and Paul modeled, I have learned to be at peace whatever the situation (Phil. 4:11) Train your kids to save early and dont touch the savings. You can learn how to change your financial story and ensure your kids live a life of prosperity.
CARRIER