Another blog I receive weekly. I hope you enjoy it as much as I do. Permission to repost granted by author.
More from me at the end!
> TEACHING THE HEBRAIC PERSPECTIVE OF FAITH IN AND OBEDIENCE TO THE ONE TRUE GOD
>
>
> July Update
> What does a lesson in fire building have to do with the current world situation?
More than you may have imagined.
> If you have ever wondered what it sounds like when I try to did myself out of a
hole, this is a good time to listen!
>
> VIDEO
>
> Torah Commentary
> Pinchas "Phineas"
> Numbers 25:10-30:1
> 1 Kings 18:46-19:21
>
> Zeal In The Camp
>
> Reading about the Hebrews and their journey through the wilderness has taken on so
much meaning in the past few years. With each passing year it becomes more and
more special to read about their lives. It is not that the accounts of their lives
become more exciting, but as His Day approaches, reading about the lives of the
Hebrews causes me to sit back and allow my own thoughts to wander. I think about
how different their walk was from ours today, but with the differences come so
many striking similarities. Their walk was different because times have changed,
but it was so simular because people do not change.
>
> This week we read about people who no matter the blessings of The Almighty in
their lives desired the quick passing pleasure of sin rather than the
righteousness of their Creator. We read about one man who took the bull by the
horns and made a difference. If you look between the lines we also see the masses
called the majority who just sat and watched as spectators on a sideline.
>
> The main character in the opening words of this weeks Torah is a man named
Pinchas. He came on the scene rather quickly last week and became the hero of the
day to stop a plague which was sweeping through the people because of sin in the
camp. His heroic efforts cause him to not only take a place in recorded history,
but also brings him and his family into a promotion promised not only for the
lifetime of Phichas, but forever.
>
> What was it that brought about the blessing Pinchas would walk in? It is boiled
down to one word, zeal. But what exactly is zeal?
>
> Webster defines zeal as "great energy or enthusiasm in pursuit of a cause or an
objective." Zeal is something which is easy to define, but rather hard to teach.
Fact is, I do not think you can teach zeal. You can teach emotions and hype which
last about as long as the passing pleasure of sin, but zeal is another matter. I
have come to the conclusion after years of teaching that there is no way to teach
zeal. Zeal can not be taught, zeal must be caught!
>
> Pinchas did not get his zeal from a book. We are not told where Pinchas got his
zeal from. It could have been directly from Moses himself. Or maybe it was Joshua?
There is an interesting thought. Maybe there is more to the man Joshua than we
know up to this point. So far all we know about him is that he stuck pretty close
to Moses most of the time. He was no doubt addicted to the presence of Elohim, for
when Moses left the Tabernacle, Joshua would stay behind. What was Joshua doing
with his time during a normal day though? Maybe he was passing on a zeal he had
not been taught, but rather had caught from his time in the presence of Moses and
of course Elohim Himself. If this is so, it sure paid off not only in the life of
Pinchas, but in the lives of many Hebrews that infamous day.
>
> This of course brings us to a question. How is our zealousness today? Do we have
the kind of zealous pursuit of HaShem that causes others around us to sit up and
take notice? Do we have a zealousness that is affecting other people around us?
Are we ever zealous enough about Him for people to notice?
>
> A zealous lifestyle will cause you to do things others are not willing to do.
Zealousness will cause you to step out of a crowd like Pinchas or a Judas
Maccabee. It will cause you to do things others are just not willing to do.
Zealousness will cause you to be different from the crowd. Zealousness will cause
you to be admired by some, but not accepted by most. Zealousness will cause you to
be misunderstood most of the time. Zealousness will cause you to loose many
friends, but in the end have the greatest influence on people. Above all,
zealousness for Him will cause Him to be zealous over you. Personally I can not
think of a better reason to desire to catch this wonderful trait of His the
scripture calls zealous. ..
>
> Shabbat Shalom,
> Mike
>
>
> email: hineni@mac.com
> phone: 405 257 6277
> web: http://www.joinedtohashem.org
So - are you willing to be different? Are you willing to do something radical to make a difference in the lives of others? Be zealous for the Kingdom of God! The world will be a better place if you do!
A place to get refreshed and meet with Jesus! And my people shall dwell in a peaceable habitation, and in sure dwellings, and in quiet resting places. Isaiah 32:18 NLV
Saturday, July 16, 2011
Tuesday, July 12, 2011
Secrets to surviving these troubled times!!
I am copying and pasting a post that i think says what it says amazingly! Reprinted with permission by author. I hope you enjoy it!
EIGHT SECRETS TO SURVIVING THESE TROUBLED TIMES
Posted on June 24, 2011 by andre
by David Ravenhill
America is on a collision course with Almighty God. For too long we have ‘done that which is right in our own eyes’. “God is not mocked. Whatsoever a man sows, that shall he also reap.” We are quickly approaching the slaying of sixty million innocent lives. These precious gifts from God we have butchered more brutally than we do our cattle. It’s time to pay the Potentate, the King of all Kings and Lord of all Lords. My late father, Leonard Ravenhill, said repeatedly prior to his death, “God is going to have to destroy the economy of this nation in order to get out attention.” His word is rapidly coming to pass. Like the days of Haggai, God is punching our national purse with holes because we have failed to give Him the place of honor He so rightly deserves. Regardless of whatever steps Washington takes to resolve this crisis, God will continue His loving discipline until we turn from our wicked ways and seek His face.
During these times of national crisis it is vitally important that we press into God as never before. Here are some practical as well as Biblical guidelines for survival.
1. Love PASSIONATELY not PASSIVELY
Jesus warned us that in the last days, “The love of many would wax cold”. We need to guard our hearts from complacency, apathy, and the tendency of becoming lukewarm. Repent of any indifference to the things of God and ask Him to rekindle again that first love. We can readily deceive ourselves into thinking everything is OK. After all I’m not involved in any gross sin. I’m attending church regularly. Yet we can easily become drowsy like the five foolish virgins and not be ready for His appearing. Praise Him wholeheartedly, thank Him continually, and adore Him incessantly.
2. Live FRUGALLY not FEARFULLY
During times of economic hardship we need to tighten out belts and use some restraint. God has promised to supply all our needs but not our greeds.” For God has not given us a spirit of fear but …self control” Proverbs tells us to ‘consider the ant and be wise’ by saying “ she gathers her provisions in the harvest.” In other words, during times of plenty she sets aside provision for times of lack. Yes, God is able to multiply food as in the case of feeding the five thousand, but lets not forget that He gathered up the fragments so nothing was lost.
3. Give CHEERFULLY not RELUCTANTLY
When facing financial difficulties we are often prone to cut back on giving. This is possibly the worst thing to do. Let me encourage you to reread the book of Haggai. When God’s people put their own needs first, God began to make holes in their purses. I believe God honors those who give their firstfruits and even makes their provisions stretch further. Consider the widow who was down to her last measure of meal but who selflessly provided for God’s servant, Elijah. The result was that God, provided for her needs and those of her family. One word of caution: Do not be taken in by those who constantly seek to manipulate you through the promise of 30, 60 ,100 fold returns if you give to their specific cause. If they really believed that, then they would be sowing into your life and reaping the rewards. Take your tithes to the storehouse.
4. Trust EXPLICITLY not EMOTIONALLY
John Bunyan wrote:
“Feelings come and feelings go but feelings are deceiving.
My warrant is the Word of God naught else is worth believing.”
God’s Word remains true regardless of our feelings or emotional state. We may feel alone, neglected, and anxious about the future and wonder whether or not God really cares about us. These are times when we need to trust His promises. “I will never leave you or forsake you” “My God shall supply all your needs according to His riches in glory.” “His promises are Yes, and Amen (final) in Christ.” God’s resources are limitless and His love for us is endless – how can we fail?
5. Meet REGULARLY not INFREQUENTLY
When times are hard we tend to isolate ourselves and withdraw from fellowship with other believers. We are encouraged in God’s Word to “neglect not the assembling of yourselves together and all the more as you see the day approaching.” Now more than ever before we need the support and encouragement of other like-minded believers.
God sets the solitary in families. Don’t avoid the family of God. They need you as much as you need them. We were never created to dwell alone. Remember two are better than one because if one stumbles the other is there to lift him up. I believe we are going to see an increase in home fellowship meetings in the coming years. It may well be that persecution is just around the corner. After all, Jesus warned us that “We would be hated by ALL nations for His name sake.” (Note there is no exception clause in there for the USA)
6. Pray FERVENTLY not OCCASIONALLY
God is a very present help in times of need or trouble. Tragically for some, that is the only time they ever seem to pray.
We should pray without ceasing. Not simply as a means of supply but because we desire His presence. While He has promised to meet our every need, we don’t use God for our own selfish ends. Prayer permits us to have fellowship with the one who holds all things together by the word of His power. Prayer is an honored privilege and should rank as our highest priority. Peter exhorts us, “The end of all things is at hand; therefore be of sound judgment…for the purpose of prayer.” The more we press into God the more we will know His voice, which is critical during seasons like these.
7. Look EXPECTANTLY not INDIFFERENTLY
There is a tendency during times like these to fix our eyes on our circumstances, and allow ourselves to be swallowed up by fear and depression. This is the time to “Look off unto Jesus, the author and finisher of our faith.” Our future is not one of uncertainty but of a blessed hope. Jesus challenged us; “When you see these things begin to take place, look up; for your redemption draws nigh.” Like a woman in labor who knows that the travail will end with the birth of a glorious child so likewise we too must face the present difficulties with the anticipation of a glorious end. “To those who look for Him He will appear…”
8. Work TIRELESSLY not LAZILY
This is not a season to throw in the towel but to rise up with a new determination to finish the task we have been assigned. Revelation tells us “the devil has come down, knowing his time is short.” Shame on us if we allow the enemy to gain the upper hand because of our indifference to the call of God. The night cometh when no man can work, therefore we need to work while it is day. As these difficult times increase, the unsaved multitudes are going to be looking for answers. If we fail to reach them for Christ, the enemy will certainly gain the upper hand . The Master of the vineyard is still offering top salaries to those who enlist at this final hour of the harvest. Eternity is just around the corner. What we do now will have eternal consequences. Lift up your eyes. The fields are white and ready for harvest.
EIGHT SECRETS TO SURVIVING THESE TROUBLED TIMES
Posted on June 24, 2011
by David Ravenhill
America is on a collision course with Almighty God. For too long we have ‘done that which is right in our own eyes’. “God is not mocked. Whatsoever a man sows, that shall he also reap.” We are quickly approaching the slaying of sixty million innocent lives. These precious gifts from God we have butchered more brutally than we do our cattle. It’s time to pay the Potentate, the King of all Kings and Lord of all Lords. My late father, Leonard Ravenhill, said repeatedly prior to his death, “God is going to have to destroy the economy of this nation in order to get out attention.” His word is rapidly coming to pass. Like the days of Haggai, God is punching our national purse with holes because we have failed to give Him the place of honor He so rightly deserves. Regardless of whatever steps Washington takes to resolve this crisis, God will continue His loving discipline until we turn from our wicked ways and seek His face.
During these times of national crisis it is vitally important that we press into God as never before. Here are some practical as well as Biblical guidelines for survival.
1. Love PASSIONATELY not PASSIVELY
Jesus warned us that in the last days, “The love of many would wax cold”. We need to guard our hearts from complacency, apathy, and the tendency of becoming lukewarm. Repent of any indifference to the things of God and ask Him to rekindle again that first love. We can readily deceive ourselves into thinking everything is OK. After all I’m not involved in any gross sin. I’m attending church regularly. Yet we can easily become drowsy like the five foolish virgins and not be ready for His appearing. Praise Him wholeheartedly, thank Him continually, and adore Him incessantly.
2. Live FRUGALLY not FEARFULLY
During times of economic hardship we need to tighten out belts and use some restraint. God has promised to supply all our needs but not our greeds.” For God has not given us a spirit of fear but …self control” Proverbs tells us to ‘consider the ant and be wise’ by saying “ she gathers her provisions in the harvest.” In other words, during times of plenty she sets aside provision for times of lack. Yes, God is able to multiply food as in the case of feeding the five thousand, but lets not forget that He gathered up the fragments so nothing was lost.
3. Give CHEERFULLY not RELUCTANTLY
When facing financial difficulties we are often prone to cut back on giving. This is possibly the worst thing to do. Let me encourage you to reread the book of Haggai. When God’s people put their own needs first, God began to make holes in their purses. I believe God honors those who give their firstfruits and even makes their provisions stretch further. Consider the widow who was down to her last measure of meal but who selflessly provided for God’s servant, Elijah. The result was that God, provided for her needs and those of her family. One word of caution: Do not be taken in by those who constantly seek to manipulate you through the promise of 30, 60 ,100 fold returns if you give to their specific cause. If they really believed that, then they would be sowing into your life and reaping the rewards. Take your tithes to the storehouse.
4. Trust EXPLICITLY not EMOTIONALLY
John Bunyan wrote:
“Feelings come and feelings go but feelings are deceiving.
My warrant is the Word of God naught else is worth believing.”
God’s Word remains true regardless of our feelings or emotional state. We may feel alone, neglected, and anxious about the future and wonder whether or not God really cares about us. These are times when we need to trust His promises. “I will never leave you or forsake you” “My God shall supply all your needs according to His riches in glory.” “His promises are Yes, and Amen (final) in Christ.” God’s resources are limitless and His love for us is endless – how can we fail?
5. Meet REGULARLY not INFREQUENTLY
When times are hard we tend to isolate ourselves and withdraw from fellowship with other believers. We are encouraged in God’s Word to “neglect not the assembling of yourselves together and all the more as you see the day approaching.” Now more than ever before we need the support and encouragement of other like-minded believers.
God sets the solitary in families. Don’t avoid the family of God. They need you as much as you need them. We were never created to dwell alone. Remember two are better than one because if one stumbles the other is there to lift him up. I believe we are going to see an increase in home fellowship meetings in the coming years. It may well be that persecution is just around the corner. After all, Jesus warned us that “We would be hated by ALL nations for His name sake.” (Note there is no exception clause in there for the USA)
6. Pray FERVENTLY not OCCASIONALLY
God is a very present help in times of need or trouble. Tragically for some, that is the only time they ever seem to pray.
We should pray without ceasing. Not simply as a means of supply but because we desire His presence. While He has promised to meet our every need, we don’t use God for our own selfish ends. Prayer permits us to have fellowship with the one who holds all things together by the word of His power. Prayer is an honored privilege and should rank as our highest priority. Peter exhorts us, “The end of all things is at hand; therefore be of sound judgment…for the purpose of prayer.” The more we press into God the more we will know His voice, which is critical during seasons like these.
7. Look EXPECTANTLY not INDIFFERENTLY
There is a tendency during times like these to fix our eyes on our circumstances, and allow ourselves to be swallowed up by fear and depression. This is the time to “Look off unto Jesus, the author and finisher of our faith.” Our future is not one of uncertainty but of a blessed hope. Jesus challenged us; “When you see these things begin to take place, look up; for your redemption draws nigh.” Like a woman in labor who knows that the travail will end with the birth of a glorious child so likewise we too must face the present difficulties with the anticipation of a glorious end. “To those who look for Him He will appear…”
8. Work TIRELESSLY not LAZILY
This is not a season to throw in the towel but to rise up with a new determination to finish the task we have been assigned. Revelation tells us “the devil has come down, knowing his time is short.” Shame on us if we allow the enemy to gain the upper hand because of our indifference to the call of God. The night cometh when no man can work, therefore we need to work while it is day. As these difficult times increase, the unsaved multitudes are going to be looking for answers. If we fail to reach them for Christ, the enemy will certainly gain the upper hand . The Master of the vineyard is still offering top salaries to those who enlist at this final hour of the harvest. Eternity is just around the corner. What we do now will have eternal consequences. Lift up your eyes. The fields are white and ready for harvest.
Thursday, June 30, 2011
A Word to Comfort You!
I am just posting a Scripture that has brought me real comfort this past couple of weeks. So many things have been coming at us from all directions but yet God in His Mercy and His Word has brought us real peace. Verse 1. How reassuring that God is our Shepherd.. that He does guide us, He protects us and provides comfort.. and we shall not lack. That means we won't go without. In the natural, things look like lack to a lot of us. But God can provide in an instant! We just need to trust Him day by day! I hope it encourages you and speaks refreshment and love into your heart!
Psalm 23
A Psalm of David.
1THE LORD is my Shepherd [to feed, guide, and shield me], I shall not lack.
2He makes me lie down in [fresh, tender] green pastures; He leads me beside the still and restful waters.(A)
3He refreshes and restores my life (my self); He leads me in the paths of righteousness [uprightness and right standing with Him--not for my earning it, but] for His name's sake.
4Yes, though I walk through the [deep, sunless] valley of the shadow of death, I will fear or dread no evil, for You are with me; Your rod [to protect] and Your staff [to guide], they comfort me.
5You prepare a table before me in the presence of my enemies. You anoint my head with [a]oil; my [brimming] cup runs over.
6Surely or only goodness, mercy, and unfailing love shall follow me all the days of my life, and through the length of my days the house of the Lord [and His presence] shall be my dwelling place.
Bless you!!
Michele & Ken Cole
Followers of the Lord Jesus Christ!
Psalm 23
A Psalm of David.
1THE LORD is my Shepherd [to feed, guide, and shield me], I shall not lack.
2He makes me lie down in [fresh, tender] green pastures; He leads me beside the still and restful waters.(A)
3He refreshes and restores my life (my self); He leads me in the paths of righteousness [uprightness and right standing with Him--not for my earning it, but] for His name's sake.
4Yes, though I walk through the [deep, sunless] valley of the shadow of death, I will fear or dread no evil, for You are with me; Your rod [to protect] and Your staff [to guide], they comfort me.
5You prepare a table before me in the presence of my enemies. You anoint my head with [a]oil; my [brimming] cup runs over.
6Surely or only goodness, mercy, and unfailing love shall follow me all the days of my life, and through the length of my days the house of the Lord [and His presence] shall be my dwelling place.
Bless you!!
Michele & Ken Cole
Followers of the Lord Jesus Christ!
Friday, June 17, 2011
America - can we get back to the good ole days?
How do you feel about America and what our economy looks like? Do you think we are in good hands? Do you feel the government has things under control? I doubt that!
Over the past several years, I have believed that God is weeping over our country and what we have done to it! Yes, I said we. We all have taken part one way or the other. This country was founded on biblical principles. There are so many things the Word of God offers us and if we would just get back to basics, back into the Word of God we could see much in the way of good in our lives!
The bible says to love God with all our hearts, mind, soul and strength and love others as ourselves. If we all took this literally, just think what a better place this world and America would be again! We would sure see much joy, peace and love!!!
The bible tells us to live within our means and to stay out of debt. How much is our country's indebtedness. Too much to fathom! Do you live within your means? Do you owe on credit cards, car loans, student loans, mortgages??? Now don't get me wrong, sometime or another we all have used these means to buy things. Ask the Lord to show you if you can improve your financial situation by following a few of His principles and simplifying your lifestyle. I know we are. We can't necessarily change how our government spends money, but we can sure start by changing our own ways! (By the way, we are selling a nice three piece slate pool table and accessories, galaga arcade machine, stars pinball machine and an asteroids deluxe machine - if you're interested, email me).
The bible says to pray for and love our enemies? Now that's a hard one to do, but the Word is very clear. What if when someone cuts you off in traffic, you prayed a blessing over them instead of giving them lip service. That lip service is really a curse over them. What if when you're spouse yells at you, instead of reacting, we pray for them instead.
If you are a follower of Jesus Christ, you have the Holy Spirit living inside you. The Holy Spirit is there to guide you, to instruct you and to help you make choices that line up with God's will for your life. Don't ignore the promptings. Act on them. If God says bless someone, do it! If God says quit going further into debt, trust Him for all your needs. Phil 4:19 says this same God shall supply all your needs according to His riches in glory by Christ Jesus. God will take care of you but you have to believe that. If God says reconcile with your spouse or forgive that person who wronged you, do it! The blessings for obedience far outweigh the consequences for not!
I believe the Lord is working in the hearts of those He knows are His - to strengthen them and help them to become totally dependent on Him. I believe we have moved into a season where God is drawing people to Him in a deeper way. Is your heart committed to the Lord? Are you willing to live a life that is completely surrendered to the Lord? Can you walk in faith with total abandon?
if you want to see America get back to the good ole days - when life is fun and stress is low - commit your ways to the Lord!
Blessings abundant!
Michele Cole
michele@wantinsight.com
Over the past several years, I have believed that God is weeping over our country and what we have done to it! Yes, I said we. We all have taken part one way or the other. This country was founded on biblical principles. There are so many things the Word of God offers us and if we would just get back to basics, back into the Word of God we could see much in the way of good in our lives!
The bible says to love God with all our hearts, mind, soul and strength and love others as ourselves. If we all took this literally, just think what a better place this world and America would be again! We would sure see much joy, peace and love!!!
The bible tells us to live within our means and to stay out of debt. How much is our country's indebtedness. Too much to fathom! Do you live within your means? Do you owe on credit cards, car loans, student loans, mortgages??? Now don't get me wrong, sometime or another we all have used these means to buy things. Ask the Lord to show you if you can improve your financial situation by following a few of His principles and simplifying your lifestyle. I know we are. We can't necessarily change how our government spends money, but we can sure start by changing our own ways! (By the way, we are selling a nice three piece slate pool table and accessories, galaga arcade machine, stars pinball machine and an asteroids deluxe machine - if you're interested, email me).
The bible says to pray for and love our enemies? Now that's a hard one to do, but the Word is very clear. What if when someone cuts you off in traffic, you prayed a blessing over them instead of giving them lip service. That lip service is really a curse over them. What if when you're spouse yells at you, instead of reacting, we pray for them instead.
If you are a follower of Jesus Christ, you have the Holy Spirit living inside you. The Holy Spirit is there to guide you, to instruct you and to help you make choices that line up with God's will for your life. Don't ignore the promptings. Act on them. If God says bless someone, do it! If God says quit going further into debt, trust Him for all your needs. Phil 4:19 says this same God shall supply all your needs according to His riches in glory by Christ Jesus. God will take care of you but you have to believe that. If God says reconcile with your spouse or forgive that person who wronged you, do it! The blessings for obedience far outweigh the consequences for not!
I believe the Lord is working in the hearts of those He knows are His - to strengthen them and help them to become totally dependent on Him. I believe we have moved into a season where God is drawing people to Him in a deeper way. Is your heart committed to the Lord? Are you willing to live a life that is completely surrendered to the Lord? Can you walk in faith with total abandon?
if you want to see America get back to the good ole days - when life is fun and stress is low - commit your ways to the Lord!
Blessings abundant!
Michele Cole
michele@wantinsight.com
Sunday, May 29, 2011
Life Changes
I wanted to send you an update and let you know what's been going on with me. In September 09, I felt led by God to shut down InSight Mortgage Group. I teamed up with Jewel Callahan at Mid America Mortgage until October 10. Jewel has been an amazing blessing for all of my clients who have been in need of any type of home financing.
Jewel is still in the industry and can help you with any of your home financing needs. You can reach her at 816-510-1399. Here email is jcallahan@unmhq.com.
My husband and I are moving more into ministry. This blog will now be used to impart wisdom and insight as we feel led by the Lord. Our heart is to ignite and empower believers into a deep intimate walk with the Lord. We want to see lives impacted for Christ.
We also will add events that you might find fun to attend!
Keep in touch! May God richly bless you!!
Ken & Michele Cole
Followers of Jesus Christ
Phil 4:19 And this same God shall supply all of your needs according to His riches in glory by Christ Jesus!
Jewel is still in the industry and can help you with any of your home financing needs. You can reach her at 816-510-1399. Here email is jcallahan@unmhq.com.
My husband and I are moving more into ministry. This blog will now be used to impart wisdom and insight as we feel led by the Lord. Our heart is to ignite and empower believers into a deep intimate walk with the Lord. We want to see lives impacted for Christ.
We also will add events that you might find fun to attend!
Keep in touch! May God richly bless you!!
Ken & Michele Cole
Followers of Jesus Christ
Phil 4:19 And this same God shall supply all of your needs according to His riches in glory by Christ Jesus!
Wednesday, August 18, 2010
Wisdom about borrowing money
Below is a word from a friend of mine, Rick Boxx. He is President of a ministry - Integrity Resource Center.
To the Very End
When a large sum of money is needed to fund a business plan it's amazing how quickly many will forget their reliance on scripture. Many will turn to a lender first, rather than God. Others will turn to an investor who doesn't hold a biblical worldview. Some Christians will rationalize their leap into debt, or becoming unequally yoked, in an instant.
Psalm 119:111-112 teaches, "Your statutes are my heritage forever; they are the joy of my heart. My heart is set on keeping your decrees to the very end."
If you're faced with a choice between obeying God's Word and financing your idea the world's way, remember the long term view. God's Word is designed to protect you. Practice His Word to the very end!
For more information about Integrity Resource Center, please visit their website at www.integrityresource.org. The ministry provides helpful information about how to walk out your faith in the workplace. Something near and dear to my heart.
Interest rates continue to be in the low 4's. Give us a call and let us lend insight into your home financing needs.
Blessings!
Michele "MAC" A. Cole
Business Development Rep.
Jewel Callahan
Mortgage Consultant
The InSight Team
Mid America Mortgage
816-510-1399
To the Very End
When a large sum of money is needed to fund a business plan it's amazing how quickly many will forget their reliance on scripture. Many will turn to a lender first, rather than God. Others will turn to an investor who doesn't hold a biblical worldview. Some Christians will rationalize their leap into debt, or becoming unequally yoked, in an instant.
Psalm 119:111-112 teaches, "Your statutes are my heritage forever; they are the joy of my heart. My heart is set on keeping your decrees to the very end."
If you're faced with a choice between obeying God's Word and financing your idea the world's way, remember the long term view. God's Word is designed to protect you. Practice His Word to the very end!
For more information about Integrity Resource Center, please visit their website at www.integrityresource.org. The ministry provides helpful information about how to walk out your faith in the workplace. Something near and dear to my heart.
Interest rates continue to be in the low 4's. Give us a call and let us lend insight into your home financing needs.
Blessings!
Michele "MAC" A. Cole
Business Development Rep.
Jewel Callahan
Mortgage Consultant
The InSight Team
Mid America Mortgage
816-510-1399
Thursday, July 15, 2010
HOME MORTGAGE RATES ARE AT ALL TIME LOW!!! NOW IS THE TIME TO REFINANCE!
I'm republishing a portion of a previous post primarily because it still applies but also to let you know the urgency to refinance or purchase if you re considering that??
I also wanted to let you know of an upcoming event being hosted by BFI - Business Fellowship International. You’re invited! Don’t miss Wednesday, July 21(11:30-1:00 pm) at Deer Creek Golf Club. The featured speaker will be economist Bill Helming, author of What Goes Up Eventually Comes Down. Bill is widely acknowledged as an expert economist whose economic forecasts have been uncannily accurate and on-target. Hear first hand what Bill has very good reason to believe we will all be facing economically between now and 2014 – and how to plan accordingly. Proverbs 22:3 states, “A prudent man foresees the difficulty ahead and prepares for them; the simpleton goes blindly on and suffers the consequences.” TO REGISTER GO TO: http://www.acanetwork.org/clubportal/EventDetailPublic2.cfm?clubID-1259&EventID=12415> ADVANCED REGISTRATION IS REQUIRED!
If you have been considering buying a home or even refinancing, you've probably been asking one of these questions? Should I refinance now? Should I buy now? What if rates go down again? With the economy this way, surely rates will have to drop again? I heard the Feds are going to lower rates again to stimulate the economy, should I wait to lock in an interest rate then?
These are all great questions and very valid. In the past, before all the housing bubble began, the answer to these questions might of been to wait. Times have changed! It's a whole new game in the mortgage world. If you are considering waiting to buy or refinance, below is a few reasons not to:
1. Mortgage Lenders are tightening guidelines to protect against future losses. Mortgage lenders are reducing loan to value limitations. They may require you to have 20% equity or more? If you are an investor or a jumbo borrower, those equity requirements are even higher. Someone who could qualify today, may not be able to qualify tomorrow.
2. The value of your home could decline, maybe it already has and could again? Foreclosures and short sales lower the market value of every home in your neighborhood and surrounding areas. A home that is comparable to yours that ends up selling for less than yours is going to lower your home's value. Lower appraisals lead to higher loan to values and, often, higher mortgage rates.
3. Have you or someone you know lost their job in the last two years? Job losses are happening at a very rapid rate. Many are being laid off as employers fear for the future stability of the company. Many are downsizing to offset lower prof ts (or no profits at all). Without a job and a steady paycheck, lenders won't give you a mortgage loan. I work with Business Fellowship International, a ministry that helps folks get connected and possibly into a new job. If this is you, please email me and I will help you in any way I can.
4. Another rise in cost is mortgage insurance or PMI. This is required if you have less than 20% equity or down payment in your home. PMI is an insurance that protects the lenders in the event of default. Remember hurricane Andrew and the impact it made on the insurance carriers? What's going on in the housing market right now, is comparable to that. Mortgage insurance carriers are raising rates and tightening guidelines as well, making it very hard to qualify or not allowing your payment to drop with the interest rate reductions.
5. What is your credit score? Most people assume their credit is good. But what is good anymore? To get the "preferred" or "going" interest rate, you have to have excellent credit scores, that means over 700 and sometimes over 720/740. Now don't get me wrong, we are still able to do loans under 700, but we would need to review your situation to see if it makes sense for you.
If you are thinking about buying or refinancing, now's the time to do it. The pendulum for mortgage loans has swung from one extreme to the other and it may be a long long while before lenders will consider loosening guidelines again. Financial crisis has it America.
Jewel and I, the InSight Team, are here to help you make sound choices with your mortgage. We have many valuable resources and offer a variety of mortgage products. Please give us a call or email us or visit us on the web at www.wantinsight.com.
Most Cordially
Michele "MAC" A. Cole
Business Development
michele@wantinsight.com
Jewel Callahan
Mortgage Consultant
816-510-1399
I also wanted to let you know of an upcoming event being hosted by BFI - Business Fellowship International. You’re invited! Don’t miss Wednesday, July 21(11:30-1:00 pm) at Deer Creek Golf Club. The featured speaker will be economist Bill Helming, author of What Goes Up Eventually Comes Down. Bill is widely acknowledged as an expert economist whose economic forecasts have been uncannily accurate and on-target. Hear first hand what Bill has very good reason to believe we will all be facing economically between now and 2014 – and how to plan accordingly. Proverbs 22:3 states, “A prudent man foresees the difficulty ahead and prepares for them; the simpleton goes blindly on and suffers the consequences.” TO REGISTER GO TO: http://www.acanetwork.org/clubportal/EventDetailPublic2.cfm?clubID-1259&EventID=12415> ADVANCED REGISTRATION IS REQUIRED!
If you have been considering buying a home or even refinancing, you've probably been asking one of these questions? Should I refinance now? Should I buy now? What if rates go down again? With the economy this way, surely rates will have to drop again? I heard the Feds are going to lower rates again to stimulate the economy, should I wait to lock in an interest rate then?
These are all great questions and very valid. In the past, before all the housing bubble began, the answer to these questions might of been to wait. Times have changed! It's a whole new game in the mortgage world. If you are considering waiting to buy or refinance, below is a few reasons not to:
1. Mortgage Lenders are tightening guidelines to protect against future losses. Mortgage lenders are reducing loan to value limitations. They may require you to have 20% equity or more? If you are an investor or a jumbo borrower, those equity requirements are even higher. Someone who could qualify today, may not be able to qualify tomorrow.
2. The value of your home could decline, maybe it already has and could again? Foreclosures and short sales lower the market value of every home in your neighborhood and surrounding areas. A home that is comparable to yours that ends up selling for less than yours is going to lower your home's value. Lower appraisals lead to higher loan to values and, often, higher mortgage rates.
3. Have you or someone you know lost their job in the last two years? Job losses are happening at a very rapid rate. Many are being laid off as employers fear for the future stability of the company. Many are downsizing to offset lower prof ts (or no profits at all). Without a job and a steady paycheck, lenders won't give you a mortgage loan. I work with Business Fellowship International, a ministry that helps folks get connected and possibly into a new job. If this is you, please email me and I will help you in any way I can.
4. Another rise in cost is mortgage insurance or PMI. This is required if you have less than 20% equity or down payment in your home. PMI is an insurance that protects the lenders in the event of default. Remember hurricane Andrew and the impact it made on the insurance carriers? What's going on in the housing market right now, is comparable to that. Mortgage insurance carriers are raising rates and tightening guidelines as well, making it very hard to qualify or not allowing your payment to drop with the interest rate reductions.
5. What is your credit score? Most people assume their credit is good. But what is good anymore? To get the "preferred" or "going" interest rate, you have to have excellent credit scores, that means over 700 and sometimes over 720/740. Now don't get me wrong, we are still able to do loans under 700, but we would need to review your situation to see if it makes sense for you.
If you are thinking about buying or refinancing, now's the time to do it. The pendulum for mortgage loans has swung from one extreme to the other and it may be a long long while before lenders will consider loosening guidelines again. Financial crisis has it America.
Jewel and I, the InSight Team, are here to help you make sound choices with your mortgage. We have many valuable resources and offer a variety of mortgage products. Please give us a call or email us or visit us on the web at www.wantinsight.com.
Most Cordially
Michele "MAC" A. Cole
Business Development
michele@wantinsight.com
Jewel Callahan
Mortgage Consultant
816-510-1399
Monday, May 10, 2010
Economic Crisis? Can this be turned around?
Last Thursday was the National Day of Prayer. IAll over the country, in businesses, churches, homes, etc people were praying for our nation, the United States of America.
As I was praying and joining in with the others around the country, I felt the Lord speak to me about paying off the national debt. What I mean is, I sensed God would like us to join in unity and do our part, make an effort to pay off the national debt. Is it even possible? I don't know but with God all things are possible. I do not know the first thing to do or how to even begin to organize this. What I do know is that America was built on biblical principles. Our founding forefathers would probably roll over in their graves if they knew the debt America and it's people are in. So many of us have a consumerism mentality - some because that's just how we were raised. I'm not condemning anyone because I play a role in that too. Over the last 8 years, the Lord has shown me how important it is to learn how to live within your means, meaning don't buy something unless you have the cash to do so. Debt isn't a sin, but it can lead you into bondage. A favorite Scripture of mine is found in Proverbs 22:7, Just as the rich rule the poor, so is the borrower servant to the lender. I don't know about you, but when i have credit card debt that I cannot pay off when the bill comes, it puts me into a sense of "bondage". Maybe you're not feeling the squeeze others are? If not, that's great!!
With so many folks losing jobs due to downsizing and company closures, we are seeing more and more folks feeling the "heat" or the bondage of the debt load they carry. I recently received this video from an economist I know and it sure is eye-opening but not surprising to me. I wanted to share it with you so you could also do some research and see what you can do personally to get your family into a better place. If Americans would pay their debt off as quickly as they can and invest in American products, we could see a positive change. If we drag our feet and wait too long, we could face the worst of times this country has ever seen. I know that some will remain in denial and say "this won't happen to me"... but time will tell.
http://www.youtube.com/watch?v=m1VbGcaVvFM - Check this out!
Now, on a positive note - there is hope - Jeremiah 29:11 says For I know the plans I have for you, says the Lord. They are plans for good and not for disaster, to give you a future and a hope. If you are a follower of Jesus, this promise is for you. We must turn to God and seek him with all we have and do. He is our strong tower, our place of refuge and His arms are opened wide waiting for you to come to Him. Jesus doesn't shield us from difficult circumstances but He examines (tests) both the righteous and the unrighteous. Use this as an opportunity to grow in a relationship with God. Whenever things go wrong in our lives, we have to believe and trust that God is still for us. We contend for the promises, but we trust Him for any outcome. He knows what's best for us. Read Psalm 3. As we depend on God's mercy, we can be at peace about anything. We can conquer fear by trusting in the Lord.
Jewel and I focus on helping clients make good choices in their home financing decisions. Our choices today affect our tomorrows. We want you to be able to weather the economic storm this country is facing. I pray that you become encouraged and motivated to make changes in your life that will prepare you for what could happen. If we can be of assistance in that, please feel free to call or email. Visit us at www.wantinsight.com.
Blessings Abundant!
Michele Cole
Business Development Rep
Jewel Callahan
Mortgage Consultant
The InSight Team
Mid America Mortgage
www.wantinsight.com
As I was praying and joining in with the others around the country, I felt the Lord speak to me about paying off the national debt. What I mean is, I sensed God would like us to join in unity and do our part, make an effort to pay off the national debt. Is it even possible? I don't know but with God all things are possible. I do not know the first thing to do or how to even begin to organize this. What I do know is that America was built on biblical principles. Our founding forefathers would probably roll over in their graves if they knew the debt America and it's people are in. So many of us have a consumerism mentality - some because that's just how we were raised. I'm not condemning anyone because I play a role in that too. Over the last 8 years, the Lord has shown me how important it is to learn how to live within your means, meaning don't buy something unless you have the cash to do so. Debt isn't a sin, but it can lead you into bondage. A favorite Scripture of mine is found in Proverbs 22:7, Just as the rich rule the poor, so is the borrower servant to the lender. I don't know about you, but when i have credit card debt that I cannot pay off when the bill comes, it puts me into a sense of "bondage". Maybe you're not feeling the squeeze others are? If not, that's great!!
With so many folks losing jobs due to downsizing and company closures, we are seeing more and more folks feeling the "heat" or the bondage of the debt load they carry. I recently received this video from an economist I know and it sure is eye-opening but not surprising to me. I wanted to share it with you so you could also do some research and see what you can do personally to get your family into a better place. If Americans would pay their debt off as quickly as they can and invest in American products, we could see a positive change. If we drag our feet and wait too long, we could face the worst of times this country has ever seen. I know that some will remain in denial and say "this won't happen to me"... but time will tell.
http://www.youtube.com/watch?v=m1VbGcaVvFM - Check this out!
Now, on a positive note - there is hope - Jeremiah 29:11 says For I know the plans I have for you, says the Lord. They are plans for good and not for disaster, to give you a future and a hope. If you are a follower of Jesus, this promise is for you. We must turn to God and seek him with all we have and do. He is our strong tower, our place of refuge and His arms are opened wide waiting for you to come to Him. Jesus doesn't shield us from difficult circumstances but He examines (tests) both the righteous and the unrighteous. Use this as an opportunity to grow in a relationship with God. Whenever things go wrong in our lives, we have to believe and trust that God is still for us. We contend for the promises, but we trust Him for any outcome. He knows what's best for us. Read Psalm 3. As we depend on God's mercy, we can be at peace about anything. We can conquer fear by trusting in the Lord.
Jewel and I focus on helping clients make good choices in their home financing decisions. Our choices today affect our tomorrows. We want you to be able to weather the economic storm this country is facing. I pray that you become encouraged and motivated to make changes in your life that will prepare you for what could happen. If we can be of assistance in that, please feel free to call or email. Visit us at www.wantinsight.com.
Blessings Abundant!
Michele Cole
Business Development Rep
Jewel Callahan
Mortgage Consultant
The InSight Team
Mid America Mortgage
www.wantinsight.com
Thursday, April 22, 2010
Is Now the Time to Refinance - How to survive the economic crisis!
Do you know someone is who feeling the impact of the ever changing economy? Is someone you know experiencing a financial crisis? Bankruptcy? Foreclosure? Job loss? I sure have. Being in the mortgage industry, this is something I see or hear about every day. It's very sad. Some folks are experiencing these things because of the poor choices of others or because of their own poor choices. We all do this from time to time. Unfortunately, it's a fact of life. When we spend money on things such as nice homes, sports cars and other pleasures of life and if we do so without having the ability to pay cash for it, we can be setting ourselves up for financial destruction. We reap what we sow! Our national debt is a number too large for me to even fathom. The bible says, that just as the rich rule the poor, so is the borrower servant to the lender. When we take on debt that we cannot pay off, it puts us in a position of "bondage".
But there's hope! I know many people who can help you and offer you solutions. Sometimes refinancing is an option and sometimes it's not. Interest rates are still very good but now is the time to act. With the ever changing economy, the only way we can survive as a country is through inflation, which means interest rates go up.
For an honest approach - free consultation on what options you have, please give us a call or email. We care and we want to see you freed from bondage!
Blessings from The InSight Team
Michele "MAC" A. Cole
Business Development Rep
michele@wantinisght.com
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com
816-510-1399
But there's hope! I know many people who can help you and offer you solutions. Sometimes refinancing is an option and sometimes it's not. Interest rates are still very good but now is the time to act. With the ever changing economy, the only way we can survive as a country is through inflation, which means interest rates go up.
For an honest approach - free consultation on what options you have, please give us a call or email. We care and we want to see you freed from bondage!
Blessings from The InSight Team
Michele "MAC" A. Cole
Business Development Rep
michele@wantinisght.com
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com
816-510-1399
Thursday, April 1, 2010
Tax Credit Deadline Approaching - No fooling!
No fooling around, the tax credit for home purchases is approaching fast!!
Home buyers will qualify for the tax credit until April 30, 2010* (as long as they have entered a binding contract), and have an additional 2 months (until June 30, 2010*) to close the transaction. Borrower income limits have been increased to $125,000 for individuals and $225,000 for couples (up from $75,000 and $150,000 respectively under the current program). The legislation includes a tax credit not exceeding $6,500 for move up buyers who have owned their current homes for at least 5 years.
If you are considering a move and buying a new home, NOW is the time to act. Not only for first time buyers but for buyers wanting to downsize, or up size who have owned their homes for 5 years or more, you qualify for some credit as well!
Interest rates have been staying stable and are still at record lows!!! There are still no downpayment loans available thru VA loans. Contact us to see how you may qualify!
You probably know someone who has been hurt greatly by the economic times. The InSight Team's heart is to help point you towards the right product for your home financing. One that even with economic uncertainity, you can have peace.
For an Honest Approach to Home Financing, please give us a call at 816-510-1399 or visit us at www.wantinsight.com
Michele "MAC". A Cole
Business Development
Jewel Callahan
Mortgage Consultant
www.wantinsight.com
Home buyers will qualify for the tax credit until April 30, 2010* (as long as they have entered a binding contract), and have an additional 2 months (until June 30, 2010*) to close the transaction. Borrower income limits have been increased to $125,000 for individuals and $225,000 for couples (up from $75,000 and $150,000 respectively under the current program). The legislation includes a tax credit not exceeding $6,500 for move up buyers who have owned their current homes for at least 5 years.
If you are considering a move and buying a new home, NOW is the time to act. Not only for first time buyers but for buyers wanting to downsize, or up size who have owned their homes for 5 years or more, you qualify for some credit as well!
Interest rates have been staying stable and are still at record lows!!! There are still no downpayment loans available thru VA loans. Contact us to see how you may qualify!
You probably know someone who has been hurt greatly by the economic times. The InSight Team's heart is to help point you towards the right product for your home financing. One that even with economic uncertainity, you can have peace.
For an Honest Approach to Home Financing, please give us a call at 816-510-1399 or visit us at www.wantinsight.com
Michele "MAC". A Cole
Business Development
Jewel Callahan
Mortgage Consultant
www.wantinsight.com
Wednesday, March 17, 2010
Want an Honest Approach to Home Financing? Tips from a follower of Jesus striving to be authentic with my faith!
77% of Americans would call themselves a Christian. Have you heard the phrase, Beware of the Fish? People today are hungry for authentic Christianity. They want to see the real deal? God is also seeking people who are “completely” His.
His Word says in 2 Chron 16:9 - For the eyes of the Lord search to and fro throughout the earth that He may strongly support those whose heart is completely His. What this says to me is that God is looking for people He can strongly support. He looks at our heart. When God looks at your heart, what does He see? Does He see a heart that is fully His?
What does a heart look like that is fully His?
- Its when we surrender our will to the will of the Father. We have to die to self, forego our agenda and seek God’s instead. Matthew 6:33 says Seek Ye the Kingdom of God first and His righteousness and all things will be added unto you.
- It’s a love relationship with the Lord Jesus Christ? The only way to fall in love with our Creator is to spend time in His word daily. Get to know Him. The Word says we are friends of God. When you get together with your friends, do you do all the talking and never find out what your friend has to say? Ask God to speak to you. He has good plans for us but we won’t know what those are if we don’t spend quality time with Him.
Christ is in us and the Holy Spirit helps us to apply God’s Word in our walk with Him. He promises us to never give us more than we can handle and He says we can do all things in Christ Jesus who gives us strength.
- It’s about trusting God and being obedient to His word no matter what the circumstances. Not giving in to temptation or fear, but believing God’s word is true. In Phillipians 4:19, it says God will supply all of your needs according to His riches in glory by Christ Jesus. The Lord had me do a word study on some of the words in this verse – and here’s what I got when I add the additional meanings:
- God shall, intends to, plans to, expects to, is determined to, definitely will and is obliged to supply, to furnish, to provide, to satisfy all, totally, entirely, all kinds, beyond all doubt, your needs, or lack of something, wanted or necessary, a requirement, an obligation you have and a longing or desire according to His riches in glory by Christ Jesus! Doesn’t that just give you more confidence that God is sovereign and is in control (if you let him) and that “whatever” your needs are, He will provide them.
- It’s about loving your neighbor as yourself. It’s about speaking a word of encouragement or giving to someone in need. Everywhere we go, there are people hurting, people in need. What has God given you that you can give away to someone in need? It can be money, time, a listening ear? Just be open to being used.
All believers are called to be an agent of the Kingdom of God and to carry the mission of God wherever we go. The more we become like Christ, the more we will be used this way.
If you are interested in this and want to learn how you can walk this out in your workplace, email me! I'd love to hear from you.
Jewel and I focus on providing home mortgages with a lender you can trust! We are committed to do the right thing for YOU. We strive to walk out our Christianity the way God would want us. We aren't perfect but we try to improve where we lack!
Bless you!
Michele "MAC" A. Cole
michele@wantinsight.com
The InSight Team
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com
His Word says in 2 Chron 16:9 - For the eyes of the Lord search to and fro throughout the earth that He may strongly support those whose heart is completely His. What this says to me is that God is looking for people He can strongly support. He looks at our heart. When God looks at your heart, what does He see? Does He see a heart that is fully His?
What does a heart look like that is fully His?
- Its when we surrender our will to the will of the Father. We have to die to self, forego our agenda and seek God’s instead. Matthew 6:33 says Seek Ye the Kingdom of God first and His righteousness and all things will be added unto you.
- It’s a love relationship with the Lord Jesus Christ? The only way to fall in love with our Creator is to spend time in His word daily. Get to know Him. The Word says we are friends of God. When you get together with your friends, do you do all the talking and never find out what your friend has to say? Ask God to speak to you. He has good plans for us but we won’t know what those are if we don’t spend quality time with Him.
Christ is in us and the Holy Spirit helps us to apply God’s Word in our walk with Him. He promises us to never give us more than we can handle and He says we can do all things in Christ Jesus who gives us strength.
- It’s about trusting God and being obedient to His word no matter what the circumstances. Not giving in to temptation or fear, but believing God’s word is true. In Phillipians 4:19, it says God will supply all of your needs according to His riches in glory by Christ Jesus. The Lord had me do a word study on some of the words in this verse – and here’s what I got when I add the additional meanings:
- God shall, intends to, plans to, expects to, is determined to, definitely will and is obliged to supply, to furnish, to provide, to satisfy all, totally, entirely, all kinds, beyond all doubt, your needs, or lack of something, wanted or necessary, a requirement, an obligation you have and a longing or desire according to His riches in glory by Christ Jesus! Doesn’t that just give you more confidence that God is sovereign and is in control (if you let him) and that “whatever” your needs are, He will provide them.
- It’s about loving your neighbor as yourself. It’s about speaking a word of encouragement or giving to someone in need. Everywhere we go, there are people hurting, people in need. What has God given you that you can give away to someone in need? It can be money, time, a listening ear? Just be open to being used.
All believers are called to be an agent of the Kingdom of God and to carry the mission of God wherever we go. The more we become like Christ, the more we will be used this way.
If you are interested in this and want to learn how you can walk this out in your workplace, email me! I'd love to hear from you.
Jewel and I focus on providing home mortgages with a lender you can trust! We are committed to do the right thing for YOU. We strive to walk out our Christianity the way God would want us. We aren't perfect but we try to improve where we lack!
Bless you!
Michele "MAC" A. Cole
michele@wantinsight.com
The InSight Team
Jewel Callahan
Mortgage Consultant
jewel@wantinsight.com
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