Deep Thought: Financial Advice- House Mortgages

7 Easy Ways to Pay Off Your Mortgage Early daveramsey.com
“..You can join the ranks of debt-free homeowners and make your last mortgage payment sooner rather than later with these seven easy ways to pay off your mortgage early!..

The only type of debt Dave won’t yell at you about is a 15-year fixed-rate mortgage with a payment that’s no more than 25% of your take-home pay. You’ll pay much more in interest on a 30-year mortgage—and, besides, who wants to be in debt for 30 years?

You can refinance a longer-term mortgage into a 15-year loan. Or, if you already have a low interest rate, save on the closing costs of a refinance and simply pay on your 30-year mortgage like it’s a 15-year mortgage. The same goes for a 15-year mortgage. If you can swing it, why not increase your payments to pay it off in 10 years?..”

Pay Off Mortgage Early or Invest? #AskTheMoneyGuy

Should I Pay Off My House Mortgage or Invest the Extra Money?

Should You Pay Off Your Mortgage Before Retirement or Invest? An Expert Weighs In!

Sixty and Me
Published on Aug 8, 2017
There are so many financial decisions to make in the years before retirement.

One of the most important of these questions is whether to focus on paying off your mortgage or investing more in bonds, stocks and other investments.

If you are thinking about paying off your mortgage… or you just want to get more from your money in retirement, this interview is for you!

Fortunately, financial ex…

How to pay off a 30 year home mortgage in 5-7 years

*don’t let your money sit on savings in low interest growth, don’t get on the “cycle” after refinancing and go back, get aggressive!

How to Pay Off your Mortgage in 5-7 Years (Real Estate Investing)

Credit Score?

Can paying off your mortgage hurt your credit score? By Brady Porche | Published: February 27, 2017 creditcards.com
“..In most cases, paying off your mortgage does not help or hurt your credit score in any significant way. It could have a small negative impact if the mortgage was your only installment loan, according to the credit reporting agency Equifax’s website. After all, “credit mix” accounts for 10 percent of FICO’s traditional credit scoring model. But if you never missed a payment over the life of the loan, that could offset any points lost due to the loan falling off your credit report…

If you retain a good score or gain points after paying off your mortgage, chances are you have other trade lines with long, unblemished payment histories. Payment history and length of credit history account for 35 percent and 15 percent of your FICO score, respectively. What’s more, if you never missed a payment on your closed mortgage, that positive information will remain on your credit report for up to 10 years….”

Elderly

Pay Off Mortgage Or Keep Cash? – YouTube

Good News Financial
https://www.facebook.com/groups/426559690751225/

Deep Thought: What if I’ve been “hurt” by the “church”?

I’ve heard this statement “again” today, which I told them this analogy that I thought of years ago..

When I went to school growing-up, I was bullied and teased. I actually had days I didn’t want to go to school or just regretted going. However, I kept “forcing” myself as I wanted to get my “education” and be successful in life. I’m glad I didn’t “quit” or I would’ve not been where I’m at right now. I’m not saying school is like church, but it’s a “man-made institution”. There is “imperfectness” in any type of “institution” (run by people)!…government 😉 As long as these institutions are “led” by people, it’s always going to be “corrupt” (see Deep Thought: Who to “blame” for the world’s corruption? ) in some sort of way. There are places that are more “Godly” than others, but the key thing is prayer! Keep praying for these people. Before I go to work, I “try” to pray-sing the “Lord’s Prayer” that His kingdom will come to my workplace.

I just thought of this, where do you work at? Do you look forward to going to work? Are there people that you “disliked” or have been “offended” by something he/she did? Do you still go to work? Why? How do you deal with it?

Abuse

-Sexual
*see Deep Thought: Why is sexual abuse common? goodnewseverybodycom.wordpress.com

Betrayal : Abuse in the Catholic Church in Nova Scotia (2010) – the fifth estate

The Fifth Estate
Published on Oct 3, 2016
Betrayal tells the story of childhood abuse victims in Nova Scotia, who continued to feel profound hurt and damage as adults. Searching for restitution for their suffering some launched or joined in lawsuits against the Catholic Church. Their partial victory has had an unexpected outcome: In order to settle those lawsuits, the church has begun selling of some church property in Nova Scotia – property that local people helped build and pay for over many generations.

Betrayal highlights the consequences of abuse that continue to echo throughout the Catholic Church and in communities across Canada, the U.S and in Europe.

Original broadcast date : October 1, 2010

Articles

Help in Overcoming Church Hurt Article by Josh Moody Guest Contributor desiringgod.org
“As a pastor of a church, I’ve heard stories from people who have found church confusing, contrarian, or even damaging. Not every church hurts people, but most churches have hurt someone at some point. Some people are hurt through their own mistakes, others because of sin committed against them, and still others because of failed leadership. This reality can leave them reluctant to re-engage, afraid of being hurt again, wanting to protect themselves, and questioning the place of church in their lives. The good news for the hurting is that God has spoken to your pain in the Bible….”
When You’re Hurt by the Church Dave Burchett christianitytoday.com
Letting go of victimhood.
“You may have been abused by shepherds who should have restored you but instead chose to condemn you (or worse). Or perhaps you have been neglected by churchgoers who should have cared enough to seek you out and return you to the flock. I do not deny that many of us have been victims of the sinful, selfish, and hurtful acts of those in and around the church.

..With physical hurts, we immediately seek help. But emotional and spiritual hurts seem to engender a response unlike any other wound. When we are “shot” by people in the church, we tend to focus on the shooter, not the Healer. This is one of our Enemy’s most effective distraction strategies—he knows that healing is available, and he does not want us to get it. ..”
Overcoming a Bad Church Experience By David Sanford focusonthefamily.com
\
“Anyone can have a bad church experience. Just ask Colleen and Eric.

At first, Colleen and Eric felt great about the church they attended. After all, that’s where they had met, were married, and had started raising their family.

At that point in their lives, Colleen and Eric weren’t really searching for God — just the acceptance of a group of peers. So when they started noticing the church leadership’s apparent contradictions and deception, they kept quiet. What they didn’t know for several years: their church was part of a now-discredited cult.

After Colleen and Eric left the cult, pain, guilt, and doubts plagued them. The experience “caused me to question my own ability to see the truth,” Colleen says. “I had guilt for seeing red flags along the way, but not doing anything about it. You ask God for forgiveness and He gives it, but it’s hard to forgive yourself. I felt cheated, like I had wasted all those years.”

Within a year, however, Colleen and Eric joined the Vista Del Sol church in El Paso, Texas, and began the second religious journey of their life — this time in a healthy church environment.

Colleen’s desire to be accepted was met — this time in a positive environment. “We felt genuinely loved by everyone,” she says. “Walter Muller [the pastor] embraced us and loved us. I think his Austrian background made him have a heart for people who were a little different.”

Despite the guilt that Colleen felt from being in a cult, she wouldn’t change her past. Why? God has allowed her to share her story with and assist others who have had bad church experiences.

It Could Happen to You..”
HOW TO DEAL WITH CHURCH HURT | I’VE BEEN HURT BY CHURCH!


THE BEAT by Allen Parr
“…How do you respond when you’ve given your life, your time, and a whole bunch of your money to a church only to be disappointed and hurt?

INTRODUCTION: I’ve experienced everything from a pastor in college coming on to me to another pastor calling me the N word from the pulpit during his sermon. I personally know other people who have given their hard-earned money to churches and when they were in need whether it was financial or they or their loved ones were sick no one from the church came to visit them or support them and this has left them bitter and angry towards church. So, today I want to give you just a few things to consider if you’re dealing with church hurt.
1. Don’t allow a bad experience to cause you to drift”…

Any personal stories, suggestions, feedback, comments, etc.. on the content above or any websites/videos you recommend that should be added?

Good News Ministry
https://www.facebook.com/groups/313230752154108/

Deep Thought: Does it matter if your part of another “ethnicity or race”?

While at #StandingRock I encountered some people sharing about some “racism” they encountered. I then share my ethnic background story. I’m Filipino-American, but there is more information behind that doesn’t really matter. Unfortunately, for some people, that information matters. What is “race”?

One lady that was “opening-up” to me during my chat at one of the camps told me she was part “native”. She kind of sadly shared that people see her outside appearance and just see “White” and automatically “pre-judge” her (e.g. prejudice). I wasn’t surprise of her story as I see similar stories like this in our everyday world.

American Indian and white, but not ‘multiracial’ By D’Vera Cohn7 comments Fact Tank – Our Lives in Numbers
June 11, 2015 pewresearch.org
“…Yet the same survey shows that many of these multiracial American Indian adults have few connections with Native Americans. For example, among biracial adults who are white and American Indian, only 22% say they have a lot in common with American Indians; 61% say they have a lot in common with whites. And only 19% say they have had a lot of contact with their relatives who are American Indian.

In addition, biracial adults who are white and American Indian are among the least likely of mixed-race adults to consider themselves multiracial (only 25% do). They are among the most likely to say their multiracial background has been neither an advantage nor a disadvantage; 82% say it has not made a difference…”

I remember growing up, race wasn’t an issue in my elementary school years. It didn’t become an “issue” until my junior high/middle school years. I remember a “Caucasian” friend asked me what side will I choose during some “racial” tensions between “blacks” and “whites”.

Then in high school, I joined the “Asian Club” to hangout with friends and to add to my resume for “extra curricular activities” (looks good on college application). I remember one peer made a remark that I’ll never forget still-“You don’t even look Asian” (e.g. my eyes weren’t “slanted” enough and too big).

Veterans

Veteran’s Perception about Standing Rock Camp , from youtube.com

Others:

What’s it like being “multiculturally” (racially, ethnicity, nationality, etc.) diversed…identity? goodnewseverybodycom.wordpress.com/

White Supremacist Finds Out His Ancestors Were Black (VIDEO)

-Bible
(Deep thought? Where did all these cultures come from? goodnewseverybodycom.wordpress.com)

There is Only One “Race” – The Human Race Acts 17:24-26 bible.ca
“…Racism 1 “What race are you?” How do you answer this question? We have been conditioned to answer, “Caucasian,” or “African American,” “Hispanic,” “Asian,” etc. Many think in terms of skin color, “White,” “Black,” etc.

As far as the Bible is concerned, there are many nationalities, but there is only ONE RACE! Therefore, why not answer: “The Human Race?”

Speaking to those in ancient Athens, the apostle Paul reminds us, by inspiration of the Holy Spirit, that God made every nation of men from “one blood.”

“God, who made the world and everything in it, since He is Lord of heaven and earth, does not dwell in temples made with hands. Nor is He worshiped with men’s hands, as though He needed anything, since He gives to all life, breath, and all things. And He has made from one blood every nation of men to dwell on all the face of the earth, and has determined their pre-appointed times and the boundaries of their dwellings…” (Acts 17:24-26). ..”

-Celebrities

20 Multiracial Celebrities (Some May Surprise You!) styleblazer.com
10 surprising multicultural celebrities<
By on May 5, 2014 with 6 Comments styleblazer.com
13 Celebrities You Didn’t Know Are Biracial
July 9, 2014 | By Julia Austin madamenoire.com

Finishing Story

Well, I felt bad for this lady sharing that she’s been discriminated because she looks “white” and is part “native”. I told here that I’ve been mistakenly called a bunch of different races. She told me I look “native” and I told here that I’ve been called many different races depending on my hairstyle. I told her that my great-grandfather is Spanish and they are known as the “colonizers” of the Philippines and many other countries (e.g. conquers of “natives” in the Americas), so I feel bad too! However, we shouldn’t feel bad because of our past history. She told me that we should at least “do something” to make peace or reconciliation of our “past mistakes”.

After this response, I then reflected that Jesus did this on the cross for our “past sins”. The first step as as Christian is just asking God for forgiveness of our sins and past sins of our ancestors. Then we can ask God ourselves what we can do as individuals. I think that is the reason for the many Veterans that came (see blog above).

Any thoughts, stories, person experiences, etc..?
<p.

Good News Racism
https://www.facebook.com/groups/576102219067856/

Hypocrites?: Religion-Christianity

dc Talk documentary – “The Greatest Single Cause”

I became a Christian back in the spring of my Sophomore year of college. It was the beginning of my walk (faith) with God (“Heavenly Father”). People around me might’ve seen that and might’ve NOT seen that I’m a Christian based on my lifestyle. For example, there has been times when I swore and the people around me might not even think I’m a Christian. Then there are times when I was “doing” good deeds (e.g. giving food to the poor) and thing I’m a Christian. What it boils down to is not what others “think about” (do NOT judge) me, but what God (Heavenly Father) “thinks about” (I’m a child of Him when I accept Him as my Savior) me. No, no one is perfect (sinless), but instead of “judging” someone-we can pray for them as “some/all” of us are growing in our faith.

Hypocrites

Are you a hypocrite? Take Jesus’ challenging test to find out!
david-baker David Baker 05 November 2015 christiantoday.com

Stop trusting in mere humans,
who have but a breath in their nostrils.
Why hold them in esteem?-Isaiah 2:22
http://www.biblegateway.com/passage/?search=Isaiah%202&version=NIV

-Buildings

A “friend” made this statement-“Why does the Church building these huge big churches (buildings), which all that money could’ve been used to help feed the poor?

Christian church hypocrisy!!!

-Charities

http://www.psmag.com/navigation/business-economics/wont-red-cross-tell-us-spent-donations-superstorm-sandy-79161/
While the Red Cross says it spends an average of 91 cents of every dollar on programs and services, a bit less may go to actually help victims. That’s because, the Red Cross told us, it keeps nine percent of total Sandy donations for “general operations support” even on the $78 million it has passed on to other organizations, which in turn have their own overhead and other expenses.

-Church
*
Angelica Zambrano’s 3rd Trip to Heaven and Hell

*see 42:07 of pastor that committed adultery and was a drunkard, but didn’t repent

Pastor dies in church after confessing adultery
http://www.assistnews.net/Stories/2014/s14030063.htm

http://www.kare11.com/story/news/crime/2014/03/30/childrens-pastor-accused-of-soliciting-a-minor/7085491/

http://www.kare11.com/story/news/crime/2014/03/31/diocese-former-blue-earth-priest-to-be-deported/7134379/

Gregory moved into the 6,000-square-foot home in Atlanta’s upscale Buckhead neighborhood in January. It was built on land donated by Joseph Mitchell, nephew of “Gone With the Wind” novelist Margaret Mitchell.

Archbishop to vacate $2.2 million mansion
The property will be sold and the proceeds invested in the needs of the Catholic community, according to the statement. The archbishop will move into another available Archdiocesan property.

Megachurch pastor resigns, citing 'moral failing'

Nationwide warrant issued for MN preacher accused of assault
http://www.kare11.com/story/news/crime/2014/04/15/warrant-preacher-assault-pine-county/7761525/

Pastor’s wife sends body double to sit pleasantly on front pew
http://www.larknews.com/archives/241

‘Church of Hate’ features in new National Geographic Channel series, ‘American Fringe’
The church has picketed more than 53,000 events brandishing signs that say ‘God Hates Fags’ and “Thank God for Dead Soldiers’
http://www.assistnews.net/Stories/2014/s14060137.htm

Minn. Man Charged with 59 Counts of Sexual Assault Arrested in Brazil
http://kstp.com/news/stories/s3720519.shtml

Self-Professed Minister Now On Most Wanted List
November 25, 2014 8:07 PM
http://minnesota.cbslocal.com/2014/11/25/self-professed-minister-now-on-most-wanted-list/

http://www.charismanews.com/opinion/in-the-line-of-fire/48743-why-creflo-won-t-be-getting-my-dollars
*greed

http://www.christiantoday.com/article/us.pastor.stole.thousands.from.church.to.fund.affair/66888.htm

http://www.christiantoday.com/article/2.brothers.mauled.inside.new.york.church.by.own.kin.to.force.confession.one.dies/67738.htm

Pope Francis’ opinion: better to be an atheist than a hypocrite By Marshall Connolly (CALIFORNIA NETWORK)
2/24/2017 (2 days ago)
Catholic Online (www.catholic.org)
Pope Francis denounced hypocritical Catholics who live what he called a “double life,” and said it would be better to be an atheist.
“LOS ANGELES, CA (California Network) — During daily Mass on Thursday, Pope Francis made his opinion clear, that he thinks it is better to be an atheist than a hypocritical Catholic.

Pope Francis specifically referred to Catholics who laundered money or refused to pay fair wages to employees. However, many Catholics do live double lives of all kinds, attending Mass on Sundays while practicing contradictory habits. Such people do damage to themselves because they sin, and they harm the Church because they are a poor reflection of it. Worse, they may inspire others to sin as well.

Pope Francis’ homily was inspired by the Gospel in which Jesus warned against people who “causes one of these little ones to sin.”

“Cut off your hand…pluck your eye out,” Pope Francis said. “Scandal is to say one thing and doing another; it’s double life.”

He warned about living a life that is not Christian adding, “on this, the Lord is very severe.”

What then of atheists?

Pope Francis’ remarks suggest his opinion is that it is better to be a “good atheist,” than a bad Christian. A good atheist could be a person who still lives in accord with the moral teaching of the Catholic Church, even if unwittingly, and despite their ignorance of God….”

-Entertainment

Former ‘Two and a Half Men’ Star Angus T. Jones: ‘I Was a Paid Hypocrite’
The Wrap
By Tim Kenneally March 17, 2014 1:11 PM
http://tv.yahoo.com/news/former-two-half-men-star-paid-hypocrite-201100549.html

http://www.assistnews.net/Stories/2014/s14030088.htm

-Fire Department

http://www.kare11.com/story/news/local/minnesota/2014/04/10/minn-ex-fire-chief-sentenced-for-setting-fires/7558955/
MINNEAPOLIS – A former Minnesota fire chief convicted of arson has now been sentenced. Ex-Babbitt Fire Chief, Ryan Scharber, will spend the next five years behind bars. The 30-year-old Babbitt man was sentenced Thursday on one count of setting fires on U.S forest land and one count of attempted arson.

-Geography

AFRICA

Christian vigilantes trap 14,000 Muslims in C.Africa town (April 12th 2014)
http://news.yahoo.com/christian-vigilantes-trap-14-000-muslims-c-africa-094242790.html

-Government

CBS 2 Exclusive: De Blasio’s Caravan Caught Speeding, Violating Traffic Laws

-Racism

Ku Klux Klan – A Secret History


What The Ku Klux Klan Looks Like Today Harrison Jacobs Apr. 4, 2014, 6:15 PM businessinsider.com
“…Cross-lightings are most often associated with attempts by the Klan to intimidate or threaten minority members of its community, though Klan members claim it is meant to symbolize the members’ faith in Christ. Some current Klan organizations attempt to distance themselves from cross-lightings meant to intimidate people, which they call “cross-burnings.”..

FBI Warned White Supremacist Groups Were Infiltrating Police Departments , from youtube.com
“Published on May 15, 2015

The FBI reported in August of 2006 that white supremacist groups were infiltrating police departments around the country. Why didn’t the media report on this? It’s very troubling to have confirmation to what we in the black community already knew about some police.

Article:http://goo.gl/XzTNdu
FBI report:http://goo.gl/pZ4ZKd

..”
FBI exposed Florida cops linked to KKK, youtube.com
RT America
“..Published on Jul 15, 2014
Fruitland Park, Fla. police officers David Borst and George Hunnewell are out of jobs after the FBI released a report revealing the pair’s ties to the Ku Klux Klan. One resigned voluntarily while the other was removed from his position protecting the community most famous for being chronicled in the Pulitzer Prize-winning book Devil in the Grove. RT’s Lindsay France has more details.
..”

KKK Leader Says Members Include ‘Police Officers, Paramedics & Judges’
By: Jamal Booker
January 30, 2014
KKK Leader Says Members Include ‘Police Officers, Paramedics & Judges’
By: Jamal Booker
January 30, 2014 issuehawk.com
“..
A Ku Klux Klan leader in Florida has suggested that its members might be holding respected and prominent positions throughout local communities across the U.S. A grand dragon who oversees a chapter of the Loyal White Knights of the KKK in central Florida said they currently have “police officers, paramedics and judges” in their local roster of more than 1,000.

“They’re everywhere. What you’ve seen is just the tip of the iceberg right now,” said the man, who was interviewed by WFTV on the condition that his voice was altered and face covered by a Klan robe. “We are just proud to be white.”

The KKK leader denied that the organization was a hate group, although he repeatedly used the N-word to describe black people throughout the interview. A separate Klan member who was interviewed and only identified as “Exalted Cyclops” said he thought it was important to “preserve” the white race. “You start looking at numbers, start looking at census and you realize whites are the minority,” he declared.

Although the KKK had more than two million members back in the 1920s, the current roster is reportedly somewhere between 5,000-8,000. They have taken on an extensive recruiting process in recent months by leaving flyers on the lawns of local communities in the middle of the night. Although the content is highly offensive, it isn’t illegal and falls under First Amendment protection…”
Invisible Robes of Injustice: It’s Hard to Fight What You Can’t See 12 March 2014 Written by Jeffrey L. Boney forwardtimesonline.com
“…These are the words written by former Senator Robert C. Byrd in a letter, where he declared that he would never fight in the armed forces with a Negro by his side. This same man, with those racist thoughts, was eventually elected to Congress, and specifically the U.S. Senate, with the full responsibility and power to introduce bills and vote on legislation that would significantly impact Black people in this country for years.

One historical truth that is important for people to remember is that African Americans have always had to deal with the dark forces of racism, not only by hate groups, but by those with the power to disenfranchise, discriminate and even murder. One of those dark forces, that was created to intimidate and keep Black people in a state of fear and bondage, still has a presence in the U.S., and while many members of the Ku Klux Klan (KKK) aren’t as easily identifiable as they once were, they are still having an impact by being clothed with “invisible robes of injustice.”

..While many KKK members still wear the traditional robes and costumes, many of them do not. There are many elected officials, police, community leaders and business people who wear “invisible robes of injustice” every day; hiding their true identity and their true beliefs. Sadly, behind closed doors, and in the dark of night, many of them are plotting and planning to execute strategies that are intended to disenfranchise and harm Black people….

..When you look at today’s Congress, elected officials, the prison system, judicial system, the educational system, law enforcement policies and other issues affecting Blacks, there are many glaring examples of how Blacks have been disenfranchised based on the actions and decisions of people with the authority or with the capacity to do so. Many of those actions and decisions are reminiscent to the way the Klan operated and executed their level of terror on Black people in this country without wanting to be identified; they have become unofficial members without the robes and sheets.
..”

=>Influence
The CIA, the KKK and the USA By Sherwood Ross Global Research, October 15, 2010 globalresearch.ca
Secret Societies theforbiddenknowledge.com

-Music

=Rock

Christian Rocker Convicted of Murder Plot Reveals He Is Atheist
http://www.nbcnews.com/news/us-news/christian-rocker-convicted-murder-plot-reveals-he-atheist-n136246

more..https://www.facebook.com/photo.php?fbid=10152141309657550&set=a.10152052420267550.1073741906.500417549&type=3&theater

What About Hypocrites in the Church? By Robert Velarde focusonthefamily.com

“”Why do you look at the speck of sawdust in your brother’s eye and pay no attention to the plank in your own eye? How can you say to your brother, ‘Let me take the speck out of your eye,’ when all the time there is a plank in your own eye? You hypocrite, first take the plank out of your own eye, and then you will see clearly to remove the speck from your brother’s eye.”

–Matthew 7:3-5 (NIV)

“With these witty but also biting words, Jesus causes his listeners – then and today – to carefully examine their own lives. Are we going about accusing others of minor shortcomings when, in fact, we ourselves are ignoring our own behavior? If so, we are hypocrites. Once our hypocrisy is removed, then we are in a position to help others.

Unfortunately, one obstacle to the acceptance of Christianity that is often raised is provided by Christians themselves. Phrased in many ways, the core of the objection is, “If Christianity is true, why are there hypocrites in the church?” In other words, if Christianity is really supposed to change people, then why do some who profess to believe in Jesus set such bad examples? This article will answer the “hypocrisy objection” to Christianity. But first, let’s explore the definition of hypocrisy in general, as well as in a biblical sense…”

Are You a Christian Hypocrite? The Gunmen at Church godvine.com

Closer – by Bethel – WorshipMob (plus other spontaneous worship)


“”Where are your accusers now? Where are your accusers now? There is therefore now no condemnation For those who are in Christ Jesus…” 9:51. That. Part. Wow. I am WRECKED in the best way possible! Glory to God!! There is NO condemnation for those who are in Christ!!”-Hannah H (Sept 2015)

DC Talk What If I Stumble

*see

Thoughts, comments, questions, etc..? Feel free to share below and lets have a dialogue about this epidemic in the church body.

http://christianlife.goodnewseverybody.com/hypocrites.html

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Good News Philosophy
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