MoneyWalk 414 Debt and Bondage vs Debt-freedom and Wealth

This program will help you undo financial bondage.

The vast majority of investors earn far less than what the markets return over time due to (1) poor spending and investment habits largely due to the desire to have every iota of material things they can spend and borrow to get and (2) fear displayed in down markets which cause them to never invest or to pull their investments out of the market. The few people who tend to do much better are long-term investors with diversified portfolios that do not follow the above example and who generally avoid investment expenses higher than one-half percent annually.

The long-term average for the stock market has been about 11% since 1926 and has no twenty or more consecutive year period that experienced a loss. However most people earn less than 4% on average some experience huge losses because of the above noted desire and fear and thus fail to work a plan to get out of debt and use a good stewardship platform to help build wealth that serves them, their family, and others. Debt-freedom is the believer's heritage from the LORD that He empowers you to live in and prosper from so you can be all He made you to be.

Most financial pundits lead people down a path that keeps them broke and subject to foreclosure, bankruptcy, and repossession because the behavioral nature of failing to see the wisdom in debt-freedom leads people to take on more and more debt over time because they really do not see it as a problem. In fact, we come into contact with many who are broke and busted who talk about eliminating stress, pressure, depression, and trouble caused by debt by trying to borrow more to pay off their pain causing debt. Somehow, they think new debt (credit cards, personal loans, and such) and salesmen who peddle it are going to treat them better than they have in the past.

Let's not even mention the fact that people who have no aversion to debt do not control their impulses, which usually moves them to get more house than they can truly pay for without problems down the road including pain from the debt-based purchases they will to get all the things for the house as quickly and as often as they can.

It has not been uncommon for me to see people jumping around from house to house every five to seven years building no home equity and no wealth and buying many new furnishings for those houses even more often than that - all on debt. All the while they are putting very little, if anything, into investment accounts (Roth IRA, 401k, 403b, brokerage accounts, etc.) that would help them greatly in future years when they really need the assistance. This behavior often carries over into the use of debt to pay for over-the-top vacations and excessive activities for their kids (sports leagues, dancing, you name it).

Most of them get so used to having debt that they don't even look for better or lower cost alternatives because their use of debt has become a habit they dare not eliminate because it means they will not get things they want when they want them. Much of the getting is not good for them long-term because it is focused on getting things with depreciating value, low liquidity, and/or when their financial situation, if measured, shows they should not be trying to pay for right now.

Believe and employ God's instruction in the bible rather than man's instruction based on worldly habits. Follow His dream for your spiritual and financial fruitfulness versus the American Dream, pay off your debts including mortgages as quickly as possible, seek to stay that way, allow your financial plan (budgeting and debt-freedom) to be one that allows your disposable income to be the engine that will build wealth for the future through the God-given eighth wonder of the world - long-term compound interest and exponential growth.

Please pray for this ministry and email me with any questions. May the LORD bless you richly as you follow His plan!

Deuteronomy 28:12, 44, Proverbs 6:1-2, Proverbs 22:6-7, Romans 13:8

Please forward these bondage-breaking articles to other people who can use helpful insight!

You can find books authored by Randy Parlor and Karen Parlor at www.Amazon.com

You can find many other MoneyWalk articles on Facebook by looking at the NOTES created by Randy Parlor at https://www.facebook.com/#!/profile.php?id=100000444069041&sk=notes.

You can connect with Randy Parlor on Twitter and LinkedIn

You can also view and/or listen to MoneyWalk articles at https://www.youtube.com/channel/UCXnztOIesOKIrSd_H6c-8mQ

MoneyWalk 413 The Fool God Made Wise

This program will help you undo financial bondage.

Everybody has a story to tell: a boy who grew up in the hood and chose illegal drug dealing; a girl from a middle class family who served 25 years as a state government analyst; a girl from a poor family who grew up and became a Fortune 500 CEO; a boy who chose to be a pornographic movie star. The common theme in every person’s story is each one has sinned and fallen short of the glory of God and deserves the flames of Hell for eternity. But thanks be to God that Jesus Christ’s blood atoned for each person's sin and he / she is saved upon proclaiming Him Savior & Lord. Their new eternal destiny becomes Heaven.

But God does not stop there. Though you were formerly a fool choosing your own destructive way, His life in you means you now have access to the greatest wisdom man could ever experience. You have skill to live according to God’s plan and receive the blessings and rewards thereof. Discernment of evil vs. good helps you look beyond the painful symptoms you previously experienced and helps you know and understand the cause of afflictions, despair, insecurity, lack of fulfillment, constant failure, and other problem situations. You are now empowered in heart, mind, and body to eradicate the causes and curses so you can live in peace, joy, and wholeness.

The life you know and body in which you live could not just come together on their own. Though the fool says in his heart there is no God, you know God the Creator had to put these parts together in order for them to work. True wisdom is understanding that the LORD is omnipotent, omniscient, omnipresent, and omnibenevolent and that your life flows from Him because in Him you live and move and have your being.

Wisdom allows you to tap into greater faith and heavenly resources that will bring fulfillment to your life such as eternal and true earthly value. It will protect you and lead you to fruitfulness and increasing success through humility - the godly source for promotion, understanding of scripture and the principles therein, fellowship with a local Church that has an ever-growing relationship with the LORD, and good works with creativity.

Please pray for this ministry and email me with any questions. May the LORD bless you richly as you follow His plan!

Proverbs 3:14-18, Romans 1:16-20, 1Corinthians 1:17-31, Colossians 2:1-5

Please forward these bondage-breaking articles to other people who can use helpful insight!

You can find books authored by Randy Parlor and Karen Parlor at www.Amazon.com

You can find many other MoneyWalk articles on Facebook by looking at the NOTES created by Randy Parlor at https://www.facebook.com/#!/profile.php?id=100000444069041&sk=notes.

You can connect with Randy Parlor on Twitter and LinkedIn

You can also view and/or listen to MoneyWalk articles at https://www.youtube.com/channel/UCXnztOIesOKIrSd_H6c-8mQ

MoneyWalk 412 Avoid Unnecessary Hardships

This program will help you undo financial bondage.

Everyone experiences hardship at times in life. However, some suffer more than they had to because they failed to follow wise instruction before or during the episode. On earth or in eternity you will suffer when you fail to: (1) Openly accept Jesus Christ as Savior & LORD, (2) Share the gospel of His love and the salvation He offers everyone who will receive Him, (3) Offer Him thanksgiving, praise, and worship in order to develop an intimate relationship, and (4) Live in a manner that is contrary to the moral standards contained in the bible, including engaging relationships, fellowship with His Church, and getting and managing income and assets He prepared for you to carry out His plan for your life.

A key for avoiding undue hardship financial or otherwise is to constantly invite the Holy Spirit to guide you in every situation encountered and to seek to do His will in all things in accordance with His truth and instructions. Sometimes, in order to get supernatural results, the LORD will have you do things that seem as strange as Noah building a ship to avoid a storm that wouldn’t occur for 120 years or Moses holding out a shepherds staff in order for the waters of the Red Sea to recede for clear a path to the other side or Jesus spitting & rubbing mud on a man’s eyes to heal him of blindness. You can be sure no instruction you act on violates biblical morality by only taking action on those that show you love the LORD with all your heart, soul, mind, and strength while loving your neighbor as yourself.

No matter your state today, you can change the course of your history and avoid unnecessary hardship via (1) daily bible study, (2) studying and meditating on the Word, (3) learning and pursuing His way of doing things, (4) regularly worshiping the LORD via thanksgiving, praise, and prayer, (5) regular fellowship with the Church, (6) serving via local church or community ministry, (7) pursuing work that uses gifts and skills He gave you, (8) managing (according to biblical principles) the income obtained through your labors in a way that funds gospel work at home and abroad and builds wealth throughout the future to care for your immediate family and help others when necessary.

Now move forward as a blessing to many others and a help to yourself since, in Christ, you have maximum power, authority, knowledge, understanding, tools, and spiritual weapons to make a positive difference. When you respond in wisdom, you have the ability to avoid undue hardship, build godly character, and experience a supernaturally positive end-result in every situation you face.

Please pray for this ministry and email me with any questions. May the LORD bless you richly as you follow His plan!

Haggai 2:10-19, Malachi 2:1-9, 2Corinthians 2:14-16, 1Peter 3:8-12

Please forward these bondage-breaking articles to other people who can use helpful insight!

You can find books authored by Randy Parlor and Karen Parlor at www.Amazon.com

You can find many other MoneyWalk articles on Facebook by looking at the NOTES created by Randy Parlor at https://www.facebook.com/#!/profile.php?id=100000444069041&sk=notes.

You can connect with Randy Parlor on Twitter and LinkedIn

You can also view and/or listen to MoneyWalk articles at https://www.youtube.com/channel/UCXnztOIesOKIrSd_H6c-8mQ

MoneyWalk 411 Properly Handling Crises

This program will help you undo financial bondage.

Y2K was the acronym given to the scary scenario of computer shutdowns, meltdowns, massive loss of information, and power outages some experts predicted would greatly disrupt business and personal lives upon reaching the year 2000. The possibility that peoples’ lives could have been seriously disrupted and hampered was based on the erroneous assumption that many computer programs contained only two digits of computer code in fields pertaining to each year. To some a shutdown of all systems seemed inevitable when the clock struck 12am January 1, 2000 because computers chips had fields for only the last two numbers of the century and would not recognize the beginning of a century other than 1900.

The apocalypse that was supposed to come would render people powerless and unable to take care of ourselves and business because we had become too dependent on computers for most everything. Nothing was supposed to power up, massive computer systems for big corporations would go off line and need to be replaced by a system forward thinking enough to grasp 2000. Equipment could stop delivering electricity, gas and water. Banks, ATM’s, and stores would shut down leaving the nation and indeed the world in an indefinite quandary. This problem was supposed to negatively affect our pocket books and business coffers due to the huge expenses everyone would incur for years trying to fix the problems Y2K would cause.

In a 1998 article, I identified that the Y2k problem would not last and that at all times in human history people could conquer negative effects of emergencies, catastrophes, and crises and have their needs met by managing their everyday lives and finances in line with biblical principles. You will be faced with trying situations, seasons, and crises at times during your life, so you must consider principles for blessing and reward underlying the stories of Joseph in Egypt, Babylon conquering Israel, and the early church persecution described in the book of Acts.

Five important lessons gleaned from these stories are: 1) God gives advance warning that we will experience such seasons in life; 2) Even though you don’t know the extent of damage that may arise, plan for overcoming such seasons by reducing unnecessary spending and by saving and building a network of helpful resources; 3) Find several reliable and wise Christian leaders / experts to find methods to weather the storm by avoiding fear, making good decisions, and living in victory; 4) After prayer and thoughtful consideration take prudent action while obeying any specific instructions the Holy Spirit gives; 5) Worship, learn, and fellowship with other saints in a local Church on at least a weekly basis because our togetherness, joint effort, combined monetary and other resources will help you have victory over crises and provide a greater opportunity to share the gospel with others, draw them to Jesus Christ, and help meet their need during times of adversity.

Please pray for this ministry and email me with any questions. May the LORD bless you richly as you follow His plan!

Genesis 41, 2Kings 20:16-19, Psalms 68:6, Matthew 28:20, Acts 4:12,32-37, Hebrews 10:24-25

Please forward these bondage-breaking articles to other people who can use helpful insight!

You can find books authored by Randy Parlor and Karen Parlor at www.Amazon.com

You can find many other MoneyWalk articles on Facebook by looking at the NOTES created by Randy Parlor at https://www.facebook.com/#!/profile.php?id=100000444069041&sk=notes.

You can connect with Randy Parlor on Twitter and Linkedin

You can also view and/or listen to MoneyWalk articles at https://www.youtube.com/channel/UCXnztOIesOKIrSd_H6c-8mQ