Wealth Creation and Christianity

All that we have and all that we are has come from God. He has blessed us with money and possessions, and he has given each of us specific talents and abilities. We have been called to be good stewards - to use our money, our time and our abilities as best we can to benefit God’s kingdom.

Giving tithes and offerings demonstrates our obedience to God, and the recognition that all we have has come from him. Giving our time in the Lord’s work, whether in ministry, helping those in need or greeting people at the Church door, shows our determination to follow the Lord’s teachings.

Why is it then, if we are happy to faithfully give our time and money, that so many Christians seem to have an issue when it comes to discussing wealth creation.

There seem to be two distinct lines of thought – the one promoted by many of the big name TV evangelists who promote the “prosperity” and “name it and claim it” teachings and the other viewpoint of many of the conservative Church officials who push the opinion that seeking wealth is ungodly.

Unfortunately both of these viewpoints seem to run contrary to the word, and to Jesus’ teachings about stewardship.

The “prosperity” teachers promote the idea that whatever you give to God, he will return to you many times over. Although this is close to the teaching of stewardship, which says that you should seek to multiply whatever God gives you, so that you can give him more back in return. It has been distorted, in as much as the actual motivation behind giving promoted by the prosperity teachers is self based (if I give more, God will give me more) instead of focusing on Christ. There is a huge difference between giving to get more, and working to increase your means so that you can give more to further the works of the kingdom.

Some now try to imply that if you are not prosperous, then your walk with the Lord must be lacking in some area, and others at the other end of the spectrum are always making condemning statements about the evils of being rich.

We need to really look at what the word says, and the examples that Jesus gave.
I firmly believe that the enemy wants to deter us from aiming to invest and make our wealth grow, as he does not want us to be successful. He doesn’t want us making lots of money that we can use for the Lord’s work. He doesn’t want us to be able to fund mission outreaches or to feed the poor or to fund Christian satellite TV channels. Some Christians seem to have the misconception that being wealthy is evil and being poor is holy. There is nothing holy about being poor. God doesn’t want his children to be in poverty. A rich person has far more power at their disposal to be able to help where financial assistance is needed than a poor person. At the same time though we need to make sure that our motivation for creating wealth is to “get so we can give” as opposed to the prosperity teachers notion that we should “give so we can get”. As long as we do not idolise money, and retain the truth that all we have has come from God anyway, then there is no need to feel any guilt about how much money we make.
There are many examples in the Bible that show God’s desire to bless his faithful followers with wealth:

(Gen 39:2) "And the LORD was with Joseph, and he was a prosperous man; and he was in the house of his master the Egyptian."

(Deu 29:9) "Keep therefore the words of this covenant, and do them, that ye may prosper in all that ye do".

(2 Chr 26:5) “And he sought God in the days of Zechariah, who had understanding in the visions of God: and as long as he sought the LORD, God made him to prosper”.

and 1 Kings 3:13 “And I have also given thee that which thou hast not asked, both riches, and honor: so that there shall not be any among the kings like unto thee all thy days”.

God loves to bless his children, especially if we in return are happy to bless others. Therefore there is absolutely nothing wrong with setting goals to be good stewards and create wealth to give back to our creator. In fact, as stewards of the resources God has given us, it is actually our responsibility to aim at increasing what we have.

We should be seeking to be successful for God. To genuinely set goals for investing both our money and time into the kingdom of God. The best way to increase your monetary wealth is not to go asking the boss for a pay rise, but rather to start a regular investment program. More important still, is to learn how to invest wisely and not be wasteful with our resources.
Before you can start investing you need to make some money available. One of the most effective methods it to use the 10/10/80 Plan. 10% of your income to God, 10% for investing and live off the remaining 80% of your income. This may take a little time to adjust to, but when you consider the long terms results that you will achieve once you start investing, you will find that it is extremely worthwhile.

You will have all heard the expression that “The second million is always easier than the first”. This is absolutely true – the reason being is that it is compounding interest that has the greatest power to create wealth, and the more you have invested that compounding can work on – the quicker your wealth will grow.

In mathematical terms 72 divided by Compound Interest Rate of Return = Years for Money to Double in Value.

Therefore if you have an investment growing at 10% compound interest, it will double in value in 7.2 years (quadruple in 14.4 years and be worth eight times as much in 21.6 years). If it is growing at 12% it will double in 6 years.

John D Rockefeller who was once one of America’s richest men said that “Compound Interest is the Eighth Wonder of the World”.

Einstein once said, “The most powerful concept or principle in the world that I am aware of is that of compound interest”.

When deciding on the best areas to invest in, it is worth taking into consideration the fact that over 90% of the world’s millionaires have made their money through property.

In Australia over the past 50 years property has averaged 10% p.a. compound growth. (Carefully selected properties have averaged even greater returns). Not forgetting that investment properties will also be generating an income from rent.

Median priced property has averaged growing at a rate of 2 – 4% p.a. higher than inflation, making it a very solid investment.

I believe the most effective way to build riches is to accumulate a portfolio of investment properties (over the space of 7 to10 years) and then let the power of Compound Interest work to your benefit.

It is possible to borrow 100% of the purchase price of a property plus expenses by securing the deposit against your own home, so that you don’t have to come up with a cash deposit.
There are many different strategies for property investing, which suit different people depending on their current income or financial position.

God will give you the wisdom to decide on the best strategies for your situation if you put in the time and effort to learn as much as you can and seek his direction. It is wise to also seek professional advice, as rules and regulations and tax effectiveness will vary between nations.
The main reason that property can be utilised more effectively than shares as an investment, is due to the added benefit of being able to highly gear an investment property.

Gearing or leveraging is where you use a small portion of your own money along with a large portion of someone else’s money (in this case a loan from the bank) to secure an investment of a far greater value than you could have using only you own money.

If you had $10,000 to invest and invested it directly into shares that were growing at 10%, then in 7.2 years they would be worth around $20,000. On the other hand if you had used that $10,000.00 as 5% deposit on a $200,000.00 property and had borrowed the remaining 95% plus establishment costs. If this also grew at 10% then in 7.2 years your investment would be worth $400,000.00. Meaning that by leveraging your investment you have gained an additional $190,000.00.

Keep in mind here that there are two types of Debt. Good Debt is where you have borrowed funds to secure a capitally appreciating, income producing asset. Bad Debt is where you borrow to buy a capitally depreciating, non-income producing item such as a car, boat or holiday.
A combination of using Good Debt to buy property and then allowing Compounding to do its work – seems to be a most effective way of creating wealth. But this is definitely not a “Get rich quick scheme”, on the contrary it is a “Get rich slowly” scheme which works most effectively over a 10 to 20 year period. It takes patience and perseverance, but after having spoken to dozens of other property investors, many of whom have become multi millionaires within the space of 10 to 15 years, I am certain that it is worthwhile.

I believe God wants to start shifting the wealth of this world into the hands of Christians, who can plant it back into his kingdom.

Debra Lohrere is the author of books and articles on property investment, how to create financial security and related topics, as well as on subjects of spiritual encouragement. Please visit Christian Investment and Prophecy Books

Spending a day with God.

To be able to develop a close relationship with God, we need to spend quality time with Him. We need to study His Word, and let His Holy Spirit speak to us through it. We require time to spend in earnest prayer, talking to Him, praising and worshiping Him. We need time to look at nature and reflect on all the wonderful creations that He has made. And finally, we need time to spend with fellow believers, to worship together in song and have fellowship with each other, encouraging one another and building up each other’s faith by our testimonies.

In this hectic world with our busy lifestyles it is so easy to get so engrossed in other things that we never have time for God. Some of us may spend a couple of hours of a Sunday morning attending church, but then the hum drum of the rat race catches up with us, and we find ourselves mowing lawns, going to the footy, or off doing other secular activities where God is just not a part of it.

With stress related diseases such as heart attack and cancer on the increase every year, the necessity to take a days break, and bask in the presence of our mighty father in Heaven, has never been so important. We need to be replenished and rested, so that our bodies have time to recuperate.

God gave us His Sabbath day as a blessing to all mankind. A day that we could truly get to know and fellowship with Him, and not have to do any work or labour. A day on which to rest, away from the worries and cares of this world. He also ordained it as a day in remembrance that He is the Creator of Heaven and Earth. The scriptures say, Exo 20:8-11 “Remember the sabbath day, to keep it holy. Six days shalt thou labour, and do all thy work: But the seventh day is the sabbath of the LORD thy God: in it thou shalt not do any work, thou, nor thy son, nor thy daughter, thy manservant, nor thy maidservant, nor thy cattle, nor thy stranger that is within thy gates: For in six days the LORD made heaven and earth, the sea, and all that in them is, and rested the seventh day: wherefore the LORD blessed the sabbath day, and hallowed it”.

The Bible shows the true spirit of the Sabbath. Isaiah 58:13-14 “If you turn away your foot from the Sabbath, from doing your pleasure on My holy day, and call the Sabbath a delight..” It shows that the Sabbath is a delight. It is a wonderful day and something to look forward to each week.

All Bible references are from the King James Version.

Debra Lohrere is the author of several books. Her web site is http://debra.lohrere.com/home.shtml

For more information on this topic, please visit: http://www.godssabbath.com

The Power of Prayer

There are several different types of prayer. In his letter to the Ephesians Paul instructed them to “pray with all types of prayer”. EPH 6:18 says “Praying always with all prayer and supplication in the Spirit, and watching thereunto with all perseverance and supplication for all saints”;

What are the different modes of prayer?

Talking to God – This is the one on one type prayer – where we converse with God to develop our relationship with him. We may ask him to help us in areas that we need spiritual, physical or emotional support. It can often be just a general conversation, like with a beloved friend.

Praise and thanksgiving – This is the earnest, heartfelt prayer where we come before the Lord thanking and praising him for his mighty power and love. We may praise him for all the things he has helped bring us through and for his help in everyday situations.

Requesting God’s Power – This is where we bring a specific need before the Lord and really focus on it and plead for the Lord to help us with it. Where we request his divine intervention and power to be utilised.

Seeking God’s will for our life – This type of prayer requires us to really open up our spirit and seek to hear what God is saying to us. We need to come humbly before him, asking him to use us as a tool for his work – and praying for guidance and wisdom as we seek to follow where his is leading us. We should also ask for discernment and that we won’t be distracted or deterred if the enemy tries to confuse us.

Travailing – This is an intense emotional prayer – where we are praying with all our might for someone else. Bringing them and their needs before the Lord. Asking for a breakthrough in their life or for some specific need to be met.

Spiritual warfare – This is audible prayer where through the authority of Christ and in his name we ‘cut off’ bondages or strongholds in either our own life or for the person we are praying for. This can include prayer to cast out demons from unbelievers. This is a prayer of resistance, not aggression. Jesus said ‘Resist the devil and he will flee’. One should be careful not to say anything insulting to demonic spirits – remember that even the archangel Michael would not ‘rebuke’ Satan. When he was arguing about who would have the body of Moses, Michael did not dare condemn the Devil with insulting words, but said, "The Lord rebuke you!”
This is further clarified in the book of Zechariah where an angel would not rebuke Satan, but left it to the person who had the authority. (Zec 3:2) And the (angel of the) LORD said unto Satan, The LORD rebuke thee, O Satan; even the LORD that hath chosen Jerusalem rebuke thee: is not this a brand plucked out of the fire?” (KJV)

Why is prayer so important?

Prayer not only lets us grow closer to our Father in heaven, but also allows him to release to us and through us his power. In (Jam 5:16) it says “…..The effectual fervent prayer of a righteous man availeth much.” (KJV)

An effective prayer life can have a huge impact on not only our own individual life, but on the lives of those around us. Through prayer we can have an impact on our local community, our country and the world.

Prayer enables spiritual growth and opens the door for the Lord to impart spiritual power. (Jer 33:3) “Call unto me, and I will answer thee, and show thee great and mighty things, which thou knowest not”. (KJV)

It opens the door for salvations. (Act 2:42) “And they continued steadfastly in the apostles' doctrine and fellowship, and in breaking of bread, and in prayers”. (Act 2:47) “Praising God, and having favor with all the people. And the Lord added to the church daily such as should be saved”. (KJV)

Prayer opens the way for miracles .(Act 12:5-7) “Peter therefore was kept in prison: but prayer was made without ceasing of the church unto God for him. And when Herod would have brought him forth, the same night Peter was sleeping between two soldiers, bound with two chains: and the keepers before the door kept the prison. And, behold, the angel of the Lord came upon him, and a light shined in the prison: and he smote Peter on the side, and raised him up, saying, Arise up quickly. And his chains fell off from his hands”. (KJV)

We should pray and believe for wisdom. (Jam 1:5-6) “If any of you lack wisdom, let him ask of God, that giveth to all men liberally, and upbraideth not; and it shall be given him. But let him ask in faith, nothing wavering. For he that wavereth is like a wave of the sea driven with the wind and tossed”. (KJV)

If you lack boldness ask the Lord to give you it. (Act 4:29-30)

We should always pray with determination and faith, believing for the Lord to do mighty works through us and through those we are praying for. We should always pray in line with the will of God and his word.

Debra Lohrere is the author of several books on property investment and related topics, as well as on subjects of spiritual encouragement. Please visit her homepage http://www.debra.lohrere.com/home.shtml or storefront at http://www.lulu.com/DebraLohrere

The Power of Worship

Singing praises to God or worshiping him opens up a window to heaven. As your praise reaches the heart of God, it becomes a two way stream of communication. As you touch God with your praise, his Holy Spirit touches you and ministers to you. Praise and worship can also open the door to blessings from God.

We praise God because he is worthy of all praise. He is the maker of Heaven and earth and the entire universe. He has given us life and through his son has saved us from eternal damnation. He loves us completely despite of our short comings and sinful nature.
Probably the best examples of how to worship the Lord can be seen in the life and Psalms of King David.

God described David as “a man after his own heart”. David loved God and God loved David. David had a wonderful musical talent and regularly came before the Lord in songs of love and thanksgiving. He danced and played music to praise God. In (2 Sam 6:14-15) it says

“And David danced before the LORD with all his might; and David was girded with a linen ephod. So David and all the house of Israel brought up the ark of the LORD with shouting, and with the sound of the trumpet”. (KJV)

David wrote beautiful words to express his deep devotion and love for God. David actively pursued God, and desired to have a close personal relationship with him. This is demonstrated in (Psa 57:7 –10) where he writes “My heart is fixed, O God, my heart is fixed: I will sing and give praise. Awake up, my glory; awake, psaltery and harp: I myself will awake early. I will praise thee, O Lord, among the people: I will sing unto thee among the nations. For thy mercy is great unto the heavens, and thy truth unto the clouds”. (KJV)

When we praise God we are allowing the Holy Spirit to speak through us directly to our Father in Heaven. The Holy Spirit’s presence can be felt right inside of us and surrounding us as we speak to the Father through him. I have heard many times of healings taking place when people have been worshiping God, and I believe this is because the power of the Holy Spirit comes upon them and ministers to their needs while they are praising God.

There are several different Hebrew words used in the Bible to denote praise and worship. These can be translated into the following English meanings.

Worship - To fall down prostrate (especially reflexively in homage to royalty or God), to bow down, crouch, fall down flat, humbly beseech, make or do obeisance, do reverence or to stoop.

Praise - Literally to use (that is, hold out) the hand; to revere or worship (with extended hands); intensively to bemoan (by wringing the hands): give thanks, rejoice; a celebration of thanksgiving for harvest, to kneel; by implication to bless God (as an act of adoration) or congratulate.

The main difference between worship and praise is that we worship God for who he is, and praise him for what he has done.
You will see that many of these translations display the theme of humility – of coming before God in subservience and in reverence of his awesome power. We are not praising him as we would a child who has done well, from the viewpoint of someone who is older and wiser – we are to praise him out of our total unworthiness to even be in his presence. In humility we need to grasp the magnitude of his awesome power, love and grace and praise him for them. We need to praise him for loving us despite of how unworthy we are of his love. We need to lift his name on high, not because of who we are, but because of who he is.

Debra Lohrere is the author of books and articles on property investment, how to create financial security and related topics, as well as on subjects of spiritual encouragement. Please visit her homepage Christian Investment and Prophecy Books

The Power of Forgiveness.

The rules, regulations and principles that God tells us to abide by in the Bible are all there for our own good. They are there to protect us physically, mentally and spiritually.

In the Lord’s Prayer it says, “Forgive us our trespassers as we forgive those who trespass against us”.
Why is forgiveness so important? Why is it essential to our own well being and our spiritual walk?

There are several reasons. Firstly unforgiveness hampers our relationship with God. We are disobeying him if we don’t forgive others, which retards our relationship with him. It also leads to pent up resentment toward the person who has sinned against us. We cannot love God and hate our fellow man, as written (Mat 22:39) “….Thou shalt love thy neighbor as thyself”. Harbouring unforgiveness that keeps us in a state that is other than loving can dampen our spiritual walk.

Secondly unforgiveness can lead to internal emotional turmoil. It means that we are permanently tied to the act of sin against us. We cannot get over it or get release from it, and move on with our lives until we forgive the person and put the consequences of their actions into God’s hands to deal with. Bad things that have been done to us in the past cannot be changed. Having grudges does not help us and does not hurt the person who we hold the grudge against. They have sinned against us and moved on with their life, but we cannot detach ourselves and move on until we give it over to God and forgive them.

Resentment and pent up anger can be extremely damaging both emotionally and also physically. Many illnesses and mental conditions are directly linked to these negative emotions. Unforgiveness can lead to turmoil and torment.

Forgiveness allows our heart to start healing. It is often a slow process, if the emotions have been bottled up for many years.

We need to remember that forgiving someone is showing them mercy that they do not deserve – just as God through sending his son to die for our sins showed that he gave us mercy that we didn’t deserve.
Forgiving others begins the process of alleviating the pain that we have kept hold of, due to the hurt that the other person has caused us. When you start to forgive the pain will start to reduce and eventually go all together.

We do not need the other person to ask for our forgiveness to give it to them. Forgiveness is not really between us and the person who sinned against us it is really between us and God. God makes it clear that it is his job to take ‘vengeance’, not ours.
Forgiveness is not an emotion it is a personal choice, effectively an action that we need to perform. We have to choose to forgive and keep on choosing it. When we do this we cut the ties to the emotional hurts and can begin to heal.

Forgiveness releases us from the bondage of resentment and bitterness and gives us freedom and peace.

Debra Lohrere is the author of several books and many articles on property investment, how to create financial security and related topics, as well as on subjects of spiritual encouragement. Please visit Christian Investment and Prophecy Books