Every second Sunday of the month at Victory Church is Family Sunday, in which my wife Debbie and I share the stage and speak on marriage, parenting, and finances.
This month we spoke of the subject of Financial Oneness in marriage. This blog posts shares some of the items we covered. We hope this is a blessing to you and your family.
“Wise people live in wealth and luxury, but stupid people spend their money as fast as they get it.” Proverbs 21:20 (GNT)
You know that you need life insurance. However, with the wide variety of insurance policies available, you may find choosing the right one difficult. It’s really not as confusing as it seems, however, once you understand the basic types of life insurance policies. Continue reading “Types of Insurance Policies”
I have been a pastor for more than 25 years. I understand the pressures and stress of financing a church ministry or any other non-profit organization. Churches and pastors completely depend on the tithe and offering of those we serve in our congregations.
What if there was a simple way to overcome some of these financial pressures and educate our parishioners about an easy way to leave a financial legacy – a legacy that blesses our church ministry for years after we are in Heaven?
Well, there is! It’s called Charitable Giving through Life Insurance! Continue reading “An Easy Way To Leave a Financial Legacy”
How serious are you about improving yourself? There are many ways to improve yourself, but what are the most important things you can do to improve you? No one else will find time to improve you, but you.
You will desire to increase your value if you are looking to move to the next level in your life. I don’t know what your next level is, but I do know that we should always be moving up or forward in life. How do we do this? Increasing our value in life.
What is value? Value is adding worth, raising the level importance, being beneficial, or making something more significant.
You have heard it said, “You cannot give what you do not have.” There are people who possess good hearts and the desire to give, yet they have very little to offer. Why? Because they have not first added value to themselves. Making yourself more valuable is not an entirely selfish act. When you acquire knowledge, earn a new skill, or gain experience, you not only improve yourself, but you also increase your ability to help others.
Allow me to share 3 ways to increase your value and improve your life.
#1 Find Time
You must find time to improve you. No excuse known to man is good enough to stop you from investing in yourself.
It’s important to set aside a little time daily to invest in yourself. The question is, “What will you be doing during that time to invest in yourself?” And the answer should be, “Whatever it takes.”
- It may be reading book.
- It may be attending a conference.
- It may be searching the Internet for resources.
You will be researching and learning during this daily time you will set aside. Just remember, if you don’t spend the time investing in yourself no one else will. So you do “Whatever it takes.”
Your value begins to rise as you gain more knowledge and experience through this time you spend investing in yourself.
#2 Find a Team
Many people think they can do it on the own, but they couldn’t be more wrong. You need a team to do anything great in this life. You have probably heard the phrase, “It takes a team to achieve the dream.” Possibly you heard it this way, “Teamwork makes the dream work!”
Improving your value in life is an important matter and should not be taken lightly. Another phrase I grew up hearing was “You are whom you hang around.” In some cases that statement may not be true, but in most cases it is quite accurate.
You need to be around people who will be able to increase your value. It is impossible for someone to add value to your life if they haven’t discovered their own value and purpose.
I am not encouraging you to disconnect or disassociate with people that are already in your life, unless those individuals are pulling you down or decreasing your value. There are some people who will drain your value and you won’t know it until it’s too late. Why subject yourself to the pain of living with regrets because you surrounded yourself with the wrong people.
So surround yourself with the right people who will give you the right advice to increase your value and improve your life.
Don’t get so caught up in self that you forget to help someone else. I know you cannot help the entire world. No can help the entire world, but we can do little small things to give back.
At the end of the day, we were created to serve and help others. Whether it is parenting, helping out at your church, blogging, helping a senior citizen carry groceries to her car, or feeding the homeless; do something and do it consistently. And don’t ask for any pay from it. Everything changes when start thinking about compensation. Do it out of the goodness of your heart. You will have plenty of opportunities to receive great compensation if you are helping other people. The money will come.
You may be pressed for time, but I promise whatever it is can wait. This will be a great opportunity for you to help someone, but more than anything you will be helping yourself. You will discover God speaking directly to our heart during these times of helping others. He will reveal greater opportunities for you to increase your value and improve your life.
Here is what I have learned:
As I improve myself, I am better able to help others improve. The more I grow, the more I can help others grow. The same will be true for you!
Do you keep your career options open? Would you like to diversify your income?
Ambassador and poet Henry Van Dyke observed, “There is a loftier ambition than merely to stand high in the world. It is to stoop down and lift mankind a little higher.” What a great perspective! Doing for others what they cannot do for themselves is really a matter of attitude. I believe that whatever I have been given is to be shared with others. And because I have an abundance mind-set, I never worry about running out myself. The more I give away, the more I seem to get to give away!
No matter how much or how little you think you have, you have the ability to do for others what they cannot do for themselves. Exactly how you do that will depend on your unique gifts, resources, and history.
Few things are of greater value to a prepared person than an opportunity. Why? Because opportunities increase our potential. Demosthenes, the great orator of ancient Greece, said, “Small opportunities are often a source of success. Help people win by giving them opportunities, and you will win with them.”
“I had seen that man before and now he was sitting in the snow outside the stadium [in Madrid]. I asked him what he was doing there. He said he’d been there for five hours, hoping for a chance to see the game, but his money had run out. That’s when I knew I had to help.” This is how José Mourinho, then coach for Real Madrid football (soccer) team, described his meeting with Abel Rodríguez, a Mexican-American who waxes floors in Los Angeles.
Rodríguez had first met Mourinho in the U.S. several years earlier when Real was on a training campaign and needed a volunteer to carry water for the players. It wasn’t a paid task, but Rodríguez was happy to help, and that’s when he decided he had to see a real game. He saved money for the plane fare, flew out, and hoped for the best.—And it was “hope,” because he neither had a ticket for the match nor anywhere to stay.
It paid off. After their encounter, Mourinho put up Rodríguez in the same hotel as the players, all expenses paid. He proceeded to give him a paid job as kit man for an upcoming Champions League match against Manchester United, which meant Rodríguez flew with the team to England as a staff member.
“We must help each other to live our dreams,” said Mourinho. When I first heard about this incident, I was impressed. Mourinho has a reputation as a tough character. He never seems to miss an opportunity to ridicule his opponents, and he comes across as proud and harsh. Yet, when faced with this man’s dreams, his heart was touched. It shows that deep down we may be quite different from the image we project.
Then there is the faith of the cleaner. How could he have flown across the world with hardly any money, expecting to manage to see a game in one of the world’s biggest soccer stadiums? That seems rather ridiculous.
Irresponsible, actually. Dreamers do crazy things that average people might never attempt. But in following his dream, Rodríguez ended up with a unique and inspiring story to tell.
If people can dream big dreams for things in this life that have little eternal value, how much more should we, as God’s children, dream big and do as much good as we can in a world that is desperate for love and recognition.
Usually when you hear about life insurance, the focus is on the financial security it can provide for you and your family. But whole life insurance can also be a useful tool if you’ve got a favorite cause you want to support in a significant way — whether it’s helping research a medical cure, giving back to your alma mater or any other issue that’s important to you. Making whole life insurance part of your overall giving strategy may provide benefits to your family and the charity alike. Here are four ways it may help achieve your goals.
Make the Charity Your Beneficiary
The most straightforward way to support a charity with whole life insurance is to make it a beneficiary of the policy. This makes it possible to donate a larger gift than you might otherwise be able to give all at once. For example, for about $110 a month, a healthy 40-year-old female might be able to purchase a policy with a $100,000 death benefit. That is probably a lot more than she’d normally be able to donate to her favorite charity, assuming she isn’t hiding hundreds of thousands of dollars in her mattress.
What’s great about this approach is the flexibility it provides. You can opt to have the entire policy death benefit paid to the charity or split it with other beneficiaries. You can also name more than one charity as a beneficiary. It’s totally up to you.
With this method, nothing is irreversible. If your circumstances change, or you wish to support other charities, you can simply change the beneficiaries or the proportion of the benefit they each should receive. As long as you are alive, you retain access to all of the policy’s features and benefits.
Remember, the charity doesn’t get your gift until you die and you receive no income tax deduction. Some might see this as a drawback. However, some prefer to make their gift after death as a legacy of their life. Others appreciate the anonymity of gifting life insurance proceeds because they are not part of the probate process that becomes public record.
Continue reading “Four Ways Life Insurance Can Help You Meet Your Charitable Giving Goals”