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Archive for August, 2009

Master Keys Of Stewardship: 10 Keys About God And The Christian Life

Since everything is Gods creation then we are at best stewards over what He has entrusted to us. Stewards accept and manage what God entrusts to them. So as stewards what do we need to know about God and the Christian life? We need to operate according to the following ten master keys of stewardship:

1 God is the Creator and Supreme Giver. Everything is His by right of creation. In every area of life this truth has its impact. Just think about it: Its all His!

2 God is the sustainer of all things. Since He created it it is His job to sustain it all. Our job is to be obedient and to accomplish His will not to worry about doing the sustaining ourselves.

3 God is the One who enables us to accomplish far more than we could ask or imagine. Its all a result of Him. He gives us the power to get wealth. Work is still required of us but He is the One who takes what we have and makes it what it can become.

4 God is a God of abundance. God has more than enough. There is no shortage of anything at any time in any area with Him. We must simply desire His mindset and work according to His parameters.

5 God is a God of grace. The fact that God is a God of grace is very good news for every one of us. The very grace we have is a gift from Him. He gave us everything including grace.

6 The Bible is a Christians chief compass. Gods written Word contains every truth that Christians hold dear. In the area of stewardship much is said that directly guides us benefits us and blesses others.

7 Christians are called to live lives of stewardship. It is our calling to be stewards. The fact that we are stewards affects us in every area of life. Its who we are.

8 Christians are called to manage all that God has entrusted to them. God is the owner we are the managers and the roles never change. When we operate according to this truth the only question to answer is How can I best manage what has been entrusted to me?

9 A Christians attitude toward possessions on earth is important to God. Any possession we have is a gift from God. So possessions are not a right/wrong issue they are an owner/manager issue. How we view possessions is of great importance to Him.

10 Earthly possessions and eternal rewards are linked. A vital link exists between how Christians use earthly possessions and the eternal rewards that Christians receive. The Bible often calls the result of good stewardship fruit that Christians will receive in heaven.

Allow these eternal principles to impact your life so that you can impact the lives around you even more!

About the writer:  Since 1960 New York Times bestselling author and one of the founders of the selfimprovement industry Paul J. Meyer has helped people become masters of stewardship. To learn many of the techniques that Paul uses for good stewardship order Master Keys of Stewardship Truths that Guide Our Actions as Stewards today available at http://www.pauljmeyer.com/”>www.pauljmeyer.com” target=”_blank”>www.pauljmeyer.com”>http://www.pauljmeyer.com/”>www.pauljmeyer.com.

Renters Insurance Basics

If you rent a home apartment condominium or other dwelling renters insurance is the way to protect your personal possessions. Your landlord will likely have a commercial property or homeowners insurance policy on the structure you are renting but that policy does not cover your possessions such as furniture clothing electronic equipment and other belongings. Renters insurance is relatively inexpensive because it typically only covers your belongings and not the structure but it does pay to compare renters insurance policies to find the best deal.

Without renters insurance you would have no recourse in the event your dwelling was burglarized or met with a disaster such as a fire lightning strike damaging winds or other disasters covered by your renters insurance policy. Your possessions could even be damaged by other renters near you if they cause smoke or water damage in your dwelling.

The exact coverage for your renters insurance policy would fall under the “named perils” in your coverage so it’s important to research and compare renters insurance quotes before choosing your renters insurance policy.

Typical renters insurance coverage:

1 Theft
2 Vandalism
3 Malicious mischief
4 Fire
5 Lightning
6 High winds
7 Smoke
8 Water damage but not flooding

Another benefit of renters insurance is like homeowners insurance it provides you liability coverage. Liability protects you against legal action for personal injury or property damage caused by you members of your family and even your pets. The liability aspect of renters insurance also provides nofault medical coverage in case someone is injured in your home.

Also like homeowners insurance renters insurance protects you if your rental dwelling is damaged and you are forced to vacate the premises. Renters insurance pays your expenses while living away from your rental dwelling and covered expenses include hotels meals and other living expenses. Additional living expenses coverage might be limited depending on your policy.

Renters insurance comes in two basic forms actual cash value and replacement cost. Actual cash value renters insurance will replace your belongings up to the limit of your policy after a deduction for depreciation. Replacement cost renters insurance provides more coverage in that it pays to replace your lost possessions up to the limit of your policy. There is no deduction for depreciation with replacement cost renters insurance.

Keep in mind renters insurance provides limited coverage for highdollar items. If you want to ensure these items are fully covered you will need to buy a supplement called a “floater” to your renters insurance policy.

About the writer:  The Best Site To Get FREE Multiple Competing Insurance Quotes For Auto Home Life Health And Renters Insurance. Provides Insurance Quotes Comparison Facilities Like Auto Insurance Comparison Home Insurance Comparison Life Insurance Comparison Health Insurance Comparison Renters Insurance Comparison www.wecompareinsurance.com

Secured Personal Loans – Advantages And Drawbacks

If you are in need of funding there are literally thousands of loan companies trying to offer you access to thousands of dollars to help you get through whatever tough spot or situation you are finding yourself in. Often if you are in a good state of credit and fall into the low risk category of borrower you will be offered and unsecured personal loan but often when you are in desperate need of funds you will find yourself with a lower credit rating and firmly in the high risk category of borrowers.

Being in the high risk category can be a problem when applying for a personal loan. It is usually due to the borrower having a poor credit rating. This can be a result of poor money management or possibly a loss of money due to an event out with your control but either way you have fallen into bad times. Also a borrower can be placed in the high risk category having not developed enough of a credit history.

The other way of being put in the high risk category is through income. If the borrower has an unsteady income possibly a temporary placement with a view to becoming permanent but has no guaranteed employment at the end of the contract or even an income from self employment the loan company may put the borrower in the high risk category due to an uncertainty surrounding the amount of money coming through each month.

A secured personal loan is a loan offered mainly to borrowers in the high risk category. They are allowed to borrow from the company but have to offer up some form of collateral in order to receive the loan. If you have been placed in the high risk category due to a lack of credit history or even poor credit secured personal loans can be a great way to improve your credit rating in order to be approved for an unsecured personal loan in the future if necessary.

However secured personal loans are a big risk. It is crucial that you know and understand the risk that is being taken before you commit. As collateral has to be provided for the loan a default in one of your monthly payments could result in you losing that collateral whether it is your home business property or vehicle. As there is a lot to risk it is essential that you take reasonable precautions before taking out the loan.

In order to protect yourself and of course your collateral be realistic with the amount you want to borrow. If you have a history of poor money management then it is highly unadvised to take out a secured personal loan in order to avoid dragging yourself further into debt.

If you have decided to commit to a secured personal loan know how much you need to borrow and stick to that amount. Often loan companies will offer up to double what the borrower really needs and while that extra cash may seem great before the loan starts the repayments will be larger and could result in you losing your property should you fail to cope.

Secured personal loans are a great source of funding. As long as the risks are understood a secured personal loan will help boost your credit rating and help get you that extra cash whatever you may need it for.

About the writer:  Thanks for choosing my article to educate you on secured personal loans. For more information on personal loans head over to my website www.ownpersonalloanhelper.com