Just as debt can bring financial bondage, so also can wealth and abundance. A wealthy individual who cannot sleep because of anxiety over his money or his investments is in great bondage. No wonder that the preacher desired neither poverty nor riches but just food convenient for him (Proverbs 30:7-9). The poor can get into bondage through borrowing but the rich can be enslaved by their wealth. Their heart is overcharged with surfeiting and their wealth becomes an idol to them.
The case of the rich young ruler that came to Jesus comes to mind (Mark 10:17-28).
Financial bondage is a terrible thing. It ensnares the person concerned and robs them of the joy and benefits of simple, free, peaceful living.
Financial freedom is God’s will for us where we neither have the overbearing anxiety over diminishing assets or the stressful worry of how to pay the next bill. God meets our every need, we are free to serve Him and He reigns without a rival on the throne of our hearts.

1) INDISPENSABILITY OF GREAT COMMITMENT: ????????????
John 15:5; 11:44; 8:32,36; Psalm 119:105; 19:7-11; Jeremiah 10:23; 13:23; 29:11-14; Acts 20:20,27; Ephesians 1:11; Exodus 9:29; 19:5; 1 Corinthians 10:26; Job 41:11; Haggai 2:8.

The first step towards financial freedom is conversion, turning over our life completely into God’s hand — our sins, anxieties, fears, plans, future, totality. We cease to be the master of our lives. We recognize that without Him we can do nothing (John 15:5; Psalm 128:1; Jeremiah 13:23).
We acknowledge divine ownership and cease from self-management (Psalm 74:1; 79:13; 95:7; 100:3; 24:1; 50:10-12; 115:16; Proverbs 20:24; 16:9; 19:21; Jeremiah 10:23; Deuteronomy 10:14; Leviticus 25:23; 1
Chronicles 29:14; Job 41:11; Haggai 2:8; Exodus 19:5; 9:29; 1 Corinthians 10:26). Without this great commitment, we cannot commence the journey to financial freedom. We need to acknowledge that God has better plans and that we are ready to follow His plans as revealed in the Bible and as taught by godly men with divine insight (Jeremiah 29:11-14; 2 Chronicles 20:20; Isaiah 7:9; Acts 20:20,27; Ephesians 1:11).
The truth of God’s word sets free fully and permanently. There is great reward in following divine prescriptions (John 8:32,36; Psalm 119:105; 19:7-11).
If we are financially bound hand and foot like Lazarus was physically bound hand and foot, we cannot free ourselves, God will have to lose us and let us go. (John 8:32,36; 11:44).

2) IMPORTANCE OF GOOD COUNSELLING: ????????????
Proverbs 11:14; 12:15; 13:10; 15:22; 20:18; 24:6; Haggai 1:2-5; Hosea 4:6; Isaiah 55:2; 1 Timothy 6:17-19; Matthew 17:24-27; 25:14-30; Romans 13:6-8.

In any undertaking in life, the importance of good counselling cannot be discounted. Very often the difference between success and failure has been good counselling or lack of it.
The goal of financial freedom can be well established through good counselling. The situation is evaluated, the goals are reviewed, a workable plan can be set in place, priorities are established,
alternatives can be suggested and the funds are made to stretch. Many christians can live better lives on their present income. What most people need is seldom a salary increase but rather wisdom in effective and beneficial dispensing of the money already in hand. It is good to take financial stock — a honest evaluation of our financial position, listing our present income, expenditure, assets, liabilities and then embark on a good financial surgery and revamping.

INSIGHT OF GODLY COUNSELORS: ????????????
2 Kings 4:1-7; 6:1-7; Genesis 41:38-44; Daniel 2:47-49; 1:20; Matthew 20:1-17; 25:14-30; 17:24-27; Luke 7:36-50; 12:42-48; 15:8-24; 16:1-31; 17:7-10; 19:12-27; 20:22-26; Matthew 10:24,25; 1 Peter 2:21.

In seeking counselling on financial matters, either for freedom from financial bondage or planning towards financial independence, it is very important that we seek the insight of godly counselors. It is a pity that many christians today are very ignorant of basic financial principles and cannot offer grassroot advice to their fellow christians in this area. This has created a great loophole for the devil to exploit and many believers are therefore in financial bondage through the counsel of the world’s financial advisers.
In resolving her financial problems, the prophet’s widow’s first point of call was not to the creditor for a re-negotiation of the terms of payment or a re-scheduling of the debt, it was to Elisha the prophet of God to seek advice, counselling or perhaps a miracle-bringing intercession (2 Kings 4:1-7).
The young that lost the axe head cried to the prophet for help. His first thought was not how to borrow to pay for the lost axe-head or agree terms of payment with the lender (2 Kings 6:1-7). For many christians, when financial problems arise, their first point of call is the bank manager or other financial advisers and consequently they get into more debt.

INFLUENCE OF FINANCIAL INTERMEDIATION INSTITUTES ON THE WELFARE OF THE POPULATION IN THE WESTERN EUROPEAN COUNTRIES
Karen Turyan, National Polytechnic University of Armenia, Armenia

(Presented at the International Conference on Research in Education and Science (ICRES) which took place on April 27-30, 2024, in Antalya, TURKEY (https://www.2024.icres.net/) and at the International Conference on Education in Mathematics, Science and Technology (ICEMST) (https://www.2024.icemst.com/) organized by the International Society for Technology, Education and Science (ISTES) http://www.istes.org).

Throughout the history of the origination and development of the economy, financial intermediation has served to reduce transaction costs, which has had a stimulating effect on the economic system. On the other hand, financial intermediation at certain stages, replacing the real sector of the economy, could cause economic crises, unjustifiably inflating the money supply. The period after World War II was a period of prosperity and development of the economies of Western Europe. The struggle and unity of opposites, which manifests itself in the synergy of capitalism and social justice, leads to the formation of a new society. All the difficulties of this period undoubtedly affected the well-being of the population. In such difficult conditions, financial intermediation could play an important role in developing the economic potential of Western European countries. Was this really the case? The article makes an attempt to find an answer to this particular question. The purpose of this study: – to determine the impact of the financial intermediation institutions on the well-being of the population in Western European countries. We use the methodology of chrono-discrete monogeographic comparative analysis proposed by Demichev (2019) for legal institutions.

Seventy-five percent of respondents surveyed by DebtBusters Money-Stress Tracker say they are under financial stress.

One of the many concerns from this group of people is the fear of running out of money as well as not being able to pay off debt.

The survey was done online between May and June this year. It also found that respondents are less stressed about interest rate hikes as well as loadshedding.

For more news, visit sabcnews.com and #SABCNews on all Social Media platforms.

Mid-Year Financial Review
???????????????????????????????? ???? ???????????????? ???????????????? ???????????????????? ???? https://calendly.com/aaronwealthmanagement

Are you on track with your financial goals this year? It’s time for a “Mid-Year Financial Review” to ensure you’re making the most of your money in 2024. This essential financial checkup can help Canadians stay on course, make adjustments, and set themselves up for success in the latter half of the year. In our latest video, we break down the steps to conduct a thorough mid-year financial review, offering expert advice tailored specifically for Canadians. Don’t miss this opportunity to fine-tune your financial strategy and achieve your goals!

The first half of the year has flown by, and it’s the perfect time to pause and assess your financial situation. A mid-year financial review allows you to reflect on your progress, identify areas for improvement, and make necessary adjustments to ensure you meet your financial goals by year-end. Whether you’re saving for retirement, paying down debt, or building an emergency fund, this review is vital to staying on track.

Review Your Investments:
The financial markets can be volatile, making it essential to review your investment portfolio regularly. We discuss how to analyze your investment performance, rebalance your portfolio, and adjust your risk tolerance to ensure your investments are aligned with your financial objectives.

Tax Planning:
Mid-year is an excellent time to review your tax strategy. We highlight important tax-saving opportunities, such as contributing to RRSPs and TFSAs, and discuss how to plan for year-end tax considerations. Proper tax planning can help you keep more of your hard-earned money.

Insurance Review:
Ensure you have adequate insurance coverage to protect yourself and your family. We cover the types of insurance every Canadian should consider, including life, health, and home insurance, and explain how to assess your coverage needs.

Set New Goals:
Based on your mid-year review, it’s time to set new financial goals for the remainder of the year. We provide guidance on how to create realistic and achievable goals, along with tips on staying motivated and tracking your progress.

???????????? ???????????? ???????????????????????? ????????????????????:
This video is not just for economists or financial experts; it’s for anyone concerned about their financial well-being in the coming years. If you’re looking for ways to safeguard your investments, plan for retirement, or understand the economic indicators that could impact your future, this video is your go-to resource.

By the end of this discussion, you’ll have a clearer understanding of the driving forces behind rising interest rates, market volatility, CPP / OAS, Retirement planning and the tools you’ll need for protecting your assets and ensuring a secure financial future.

Don’t leave your financial future to chance. Equip yourself with the knowledge you need and consider getting professional advice to navigate these uncertain times. Subscribe for more insights and actionable tips.

Disclaimer: This video is for informational purposes only and should not be considered as financial advice.

If you have any further questions about this video’s topic or any financial planning questions in general, I encourage you to schedule your confidential meeting with me. ?You can schedule your meeting here: https://calendly.com/aaronwealthmanagement

? ???????????????????????????????????? to our Channel here: http://bit.ly/2lPUJjA???

? ???????????? ???? ???????????????? ???????? ???????????????????????????? ???????????????????????????? ???????????????????? ????????????????????:
https://youtu.be/xtRIhNrw7ho

? Business Inquiries:
?? 1-866-623-8368
???? aaronwealthmanagement@gmail.com
???? https://aaronwealthmanagement.com/
???? https://calendly.com/aaronwealthmanagement

? ???????????????????????????? ???????????????? ???????????????????? ???????????????????? ???????? ???????????????????????? ????????????????????
Facebook: https://www.facebook.com/aaronwealthmanagement
LinkedIn: https://www.linkedin.com/in/aaronwealthmanagement/
Instagram: https://www.instagram.com/aaronwealthmanagement/

Toronto Mississauga Oakville Burlington Brampton Woodbridge Vaughan Richmond Hill Newmarket Thornhill NorthYork GTA Etobicoke Markham Aurora King City Ontario Manitoba British Columbia Alberta New Brunswick
#financialplanning #retirementplanning #cpp

Bankruptcy and Consumer Proposals are not easy to navigate. Listen to some tips by our Trustee and reach out for more details.

This video discusses some more details about financial counselling in a consumer proposal or Bankruptcy.

www.harrispartners.ca
1-800-268-8093

THIS BLOG GOES LIVE ON MONDAY, JUNE 17, 2024 AT NOON

What Happens to Credit Card Debt When You Die? | Financial Insights Revealed

Ira Smith Trustee & Receiver Inc.
167 Applewood Crescent #6, Concord, ON L4K 4K7
(647) 799-3312

VISIT THIS SITE:

https://irasmithinc.com/blog/what-happens-to-credit-card-debt-when-you-die/

————————————————————————-

**Title:** What Happens to Credit Card Debt When You Die? | Financial Insights Revealed

#CreditCardDebt
#DebtAfterDeath
#FinancialPlanning
#EstatePlanning
#DebtManagement
#CreditCardTips
#FinancialAdvice
#MoneyMatters
#DebtRelief
#LegalAdvice

Have you ever wondered what happens to credit card debt when you die? This eye-opening video delves into the intricacies of debt after death, exploring how it’s handled and who becomes responsible. Whether you’re planning your estate or simply curious, this video provides the essential knowledge that could save your loved ones from unexpected financial burdens.

In this video, you’ll learn:
– **Estate Responsibility:** Discover how an estate is used to pay off debts and what assets are considered.
– **Surviving Family Members:** Understand the legal implications for spouses, children, and other family members.
– **Credit Card Companies:** Get insights into how credit card companies pursue debt recovery.
– **Preventive Measures:** Tips on how to manage your debt to prevent complications for your heirs.

???? Read the full blog post here: https://irasmithinc.com/blog/what-happens-to-credit-card-debt-when-you-die/

???? Subscribe for more insolvency, debt and money tips: https://youtube.com/@Torontobankruptcytrustee?si=Fx1DJsIJu7_QD3FN

???? Like this video if you found it helpful
???? Hit the bell icon to get notified of our latest videos

————————————————————————–

CLICK ON THIS LINK:

https://irasmithinc.com/blog/what-happens-to-credit-card-debt-when-you-die/

——————————————————————————-

What happens to credit card debt when you die? This critical question affects everyone, yet it’s often overlooked until it’s too late. In this video, we dive deep into the shocking truth about what happens to your credit card debt after death. We’ll explore the legal and financial implications, what your family might face, and how you can plan ahead to protect your loved ones. You’ll learn about the probate process, how debt collectors operate, and the potential impact on your estate. We provide clear, actionable steps to manage and mitigate these challenges, ensuring your family isn’t left with unnecessary financial stress. Whether you’re planning your estate or dealing with the aftermath of a loved one’s passing, this essential guide offers valuable insights and practical advice. Watch now to arm yourself with the knowledge needed to navigate this complex issue and secure your family’s financial future. Don’t miss out on these crucial details—your peace of mind depends on it!

what happens to credit card debt when you die, credit card debt after death, debt after death, managing debt after death, financial planning for death, credit card debt legal implications, family and credit card debt, probate and credit card debt, estate planning and debt, protecting family from debt, credit card debt facts, what to do with credit card debt when someone dies, debt collectors after death, credit card debt inheritance, understanding credit card debt after death, avoiding debt problems after death, debt responsibility after death, financial tips for debt after death, credit card debt advice, managing finances after death, dealing with debt after death, credit card debt solutions, legal help for debt after death, reducing credit card debt burden, preparing for credit card debt after death, what happens to unpaid credit card debt after death, credit card debt myths, essential credit card debt knowledge, planning for debt after death, credit card debt and families, financial security and debt, credit card debt video, YouTube credit card debt advice, ultimate guide to credit card debt after death, expert advice on credit card debt after death

Licensed Insolvency Trustee, LIT, LIT Ontario, Licensed Insolvency Trustee Ontario, Licensed Insolvency Trustee Toronto, Licensed Insolvency Trustee Vaughan, Licensed Insolvency Trustee Aurora, Licensed Insolvency Trustee Woodbridge

——————————————————————————-

VISIT THIS SITE:

https://irasmithinc.com/blog/what-happens-to-credit-card-debt-when-you-die/

————————————————————————–

Here is a video that I like:

Credit Card Debt After Death: Who’s Responsible?

Bethel Law
4.83K subscribers

2.9K views 1 year ago

————————————————————————–

Ace your BCAT Exam!

Visit our web app: https://maqsad.io/app/bcat

If you have any questions, comment below to give us your feedback.

Our Socials:
TIKTOK : @maqsadapp
https://www.tiktok.com/@maqsadapp
INSTAGRAM : @maqsadapp
https://www.instagram.com/maqsadapp/
TWITTER : @maqsadpk
https://twitter.com/maqsadpk

#education #study #pakistan #viral #learning

Sign-up for Rakuten and get a 10% Cash Back Boost -https://www.rakuten.com/r/CALEBH767

?The best budgeting program online, at the most affordable price: https://go.calebhammer.com any questions? Email support@calebhammer.com

?1-on-1 personal financial help with our licensed/certified coach: https://calebhammer.com/coaching

?Watch the Financial Audit Post Show: https://www.youtube.com/channel/UCLe_q9axMaeTbjN0hy1Z9xA/join

_______________________

?Resources I use/would use (with discounts/sign-up bonuses):

1) Checking & Savings: Get up to 4.60% APY, pay no account fees, and earn up to $250 when you sign up and set up direct deposits. Terms apply: https://sofi.com/hammer *affiliate link

2) Get $20 from Acorns for free: sign up to get your bonus https://acorns.com/caleb

3) Click this link https://j.moomoo.com/00Bn5Z to get a “Mag 7” fractional share bundle for deposits or 1.5% Cash Reward match ($300 max) on transfers.

5) Coursecareers: Get qualified for a better job and increase your income: https://coursecareers.com/a/calebhammer

6) The credit building debit card: First 100,000 people to sign up for Fizz with code: HAMMER10 get $10: https://www.joinfizz.com/caleb

7) Helium Mobile: save a ton on your phone bill, sign up and get 30 days of FREE trial when using promo code CALEB https://hellohelium.com/

8) Online security: Protect your online privacy and security NOW and for free by following my link Aura: https://aura.com/hammer
_______________________

?Other channels:

1) Your Week In Money: https://www.youtube.com/@calebhammeryourweekinmoney

3) Money Makes Cents: https://www.youtube.com/@centsmakesmoney/videos

3) Finacial Audit Follow-Ups: https://www.youtube.com/@financialauditfollowups
_______________________

?Fun things:

1) Exclusive episodes, private Discord, BTS, and a special thank you: https://www.patreon.com/calebhammer

2) Get your own Hammer Financial Score: https://www.calebhammer.com

3) Merch: The most fun website: https://shop.calebhammer.com

_______________________

?My socials: https://linktr.ee/calebhammer

?Do you want to be in a Financial Audit? We film on weekdays in our studio located in Austin, Texas (in person only)! Fill out this brief survey if you are interested: http://calebhammer.com/apply
Any questions? Email casting@calebhammer.com
_______________________

Chapters:

00:00 Job and income
04:35 The cost of fun at 27
06:35 Rakuten
09:00 So you DO have a degree
15:17 Girl is on something
19:47 Please be joking’
26:19 She is honestly impressive
29:19 I called her DAD ????????
32:45 She’s “working on it”
38:00 This is ridiculous
44:40 How do you live like this?
50:24 This isn’t LIFE
52:37 Two new things for you!
53:15 Let’s see the truth!
55:20 You need a budget (Makes no money)
1:05:05 Hammer Financial Score

_______________________

?Sponsorship and business inquiries: business@calebhammer.com
_______________________

These are some fun words: Caleb Hammer, financial audit, Graham Stephan, Dave Ramsey, Ramsey Show, George Kammel, Rich Dad Poor Dad, Podcast, Budgeting, Investing, Stock Trading, IRA, Roth IRA, 401k, health savings, HSA, 403b, college costs, student loans, debt, snowball, avalanche, pension, retirement, financial independence retire early.
_______________________

?*Some of the links and other products that appear in this video are from companies for which Caleb Hammer will earn an affiliate commission or referral bonus. Some of the offers mentioned may no longer be available. This is not investment advice.

?Sponsorship and business inquiries: business@calebhammer.com

Is Debt Review a scam?

In this video, I will be explaining the Debt Review process in detail, sectioning it into advantages and the disadvantages thereof.

The sim is to help you make an informed decision when considering Debt Review because ignorance of what it entails is not a leg to stand should you wish to end the process prematurely.

PLEASE NOTE: I am not a financial advisor! This is a general overview of Debt Review. Should you wish to inquire about your legibility for this process or any other financial advice, kindly contact a registered financial practitioner.

_____________

Connect with me:
E-mail: teffoshela@gmail.com

Please support this channel by hitting the LIKE & SUBSCRIBE button

@shelateffo

_____________
South African Lawyer | South African YouTuber | Legal Content | National Credit Act

#lawyer #financialfreedom #financialeducation #financialplanning

Qualified Insolvency Counsellor Bethany Cann of Sands & Associates answers: “How are clients changed by financial counselling?”

To book a free, confidential consultation in an office near you, visit www.sands-trustee.com