Most Christians want to go to church to worship and serve, not hear political dogma. Often, however, their attempts to worship are frustrated by religious leaders and/or members who feel that it is important to use the church as a political platform.We are accustomed to hearing news about the Separation of Church and State which is established by the first amendment of our constitution, but we seldom hear anything about ‘Separation of Church and Politics,’ which is unregulated. This is about the freedom to attend worship without being bombarded with single-minded political persuasion. Worshipers should not have to commit to a political party as a requirement of participation in a Christian organization.The first amendment of the US Constitutional mandates that, “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof… ” What that means has been debated in courts and Congress for over two centuries. More recently it has come to mean that freedom to pray or express religious ideas is restricted in public places out of respect for those who ascribe to different beliefs. At the same time as freedom of expression of faith is increasingly being restricted, the Conservative led government has increasingly worked to legislate morality as it is interpreted by a limited group of religious leaders.Some people who believe that they know the political mind of God tend to talk in Christian gatherings as if their opinion is the only one. Those that do not agree tend to feel alienated by the more vocal religious leaders, and as a result many are moving away from the church altogether. According to PEW Foundation the number of people who report hearing politics in their place of worship is decreasing, however there are still many people displaced by the rhetoric.Currently more and more people are saying that they are spiritual but not religious. According to the Pew Foundation, “the number of Americans who do not identify with any religion continues to grow at a rapid pace. One-fifth of the U.S. public – and a third of adults under 30 – are religiously unaffiliated today, the highest percentages ever in Pew Research Center polling.” http://www.pewforum.org/Topics/Religious-Affiliation/Unaffiliated/If you find yourself avoiding your church because of the political rhetoric, I recommend that you continue attending some place of worship. You may want to call potential churches before visiting and just ask, “Does your church support a particular political agenda?” And, “Do your pastor or Bible teachers discuss politics from the pulpit or in Bible study?” There are many grace-centered churches, grounded in the Bible, who respect every member’s right to think for themselves.
The 10 Best Tips on How to Keep Sabotaging Your Relationships Over and Over Again
This article lists the best 10 tips you will ever receive about how to fail in relationships. Paying great attention to them is a sure way to understand how to keep sabotaging your relationships over and over again. Read and internalize with the fullest attention.1. Never take responsibility for your part in the failure of your relationships. Always blame your partners. Taking responsibility shows that you too might be wrong. This can take away some of the respect and love your partner feels towards you. Being sure you are always right is the best way to prove your integrity and show how strong you are!2. Don’t ever try to get in touch and understand the needs which might drive you to sabotage your relationships. Trying to understand what might drive you to sabotage your relationships means that you don’t know yourself 100%. It means you don’t know “who you truly are.”In today’s world, where “knowledge is power”, not knowing “who you are” is a weakness. You can’t allow yourself to believe and assume you have personal needs you are not aware of which might drive you to harm your relationships.There is no reason for you to even consider the possibility that you have needs which cause you to sabotage your relationships (such as: the need to always be in control which drives your partners away from you; the need to always get attention and love which makes you too dependent on your partners; the need to always be “right” which makes you an unpleasant and stubborn person, and so on).3. Don’t even attempt to realize and understand the fears that control you and drive you to sabotage your relationships. It doesn’t make sense that you have fears you are unaware of which harm your relationships. It is certain that you realize your fears and know how to combat them. If you are unsuccessful in your relationships it is not due to fears. There is no reason to suspect you of having fear of commitment (which might drive you to escape from each and every relationship you begin to develop); fear of being alone (which might drive you to jump into a relationship with whoever blinks at you); fear of losing your independence (which drives you to be controlling with your partners); fear of being hurt (which might drive you to be cautious with your partners causing you to never dare to open up), and so on. No. Don’t let anyone suspect you have fears you are unaware of which cause you to sabotage your relationships!4. Don’t ever check whether your expectations from partners and relationships are unrealistic. It is great to have expectations! It is also natural to expect your partner to be there for you all the time; to love you unconditionally; to always understand you; to always remember your birthday. It is great to expect that you and your partner will always be in a good mood; will always be sexually attracted to one another, and so on.If you find out that your expectations are not fulfilled – that your partner doesn’t fulfill them! – it is not your fault! You have done nothing wrong! There is no reason for you to contemplate whether your expectations are unrealistic and try to modify them. If your relationship fails, there is no reason to suspect your expectations did any damage to it. Just find another partner!5. Believe in your fantasies and make sure they materialize! Fantasies are part of life. They give you something to dream about, something to look forward to. Where will you be without your fantasies? The more fantasies you have about partners and relationships the richer your relationship can be! Together with your partner you can reach the highest sky!Fantasize that your love will be just like in the movies. That your partner will supply all your needs. That the two of you will do everything together and never fight. That you will always agree on everything.Hang on to your fantasies! Let no one tell you they are unrealistic! They are part of “who you are” – of your perception of reality, of the way you approach love and relationships. Don’t ever give them up!6. Remember that you are always right! Whenever conflicts and arguments arise between you and your partner, never think – not even for a minute – that your partner may be right, and never ever compromise! Compromises in life indicate weakness, and once you compromise your partner might use it against you time and again in the future. You need to be assertive, even aggressive, knowing what you want and how to pursue it. Never succumb! If your partner doesn’t like it – it’s your partner’s problem, not yours!OR, by the same token -7. Always be submissive; compromising; giving in; allowing abuse; loving and understanding. Never allow yourself to do and express what you want to see taking place between you and your partner. Never express a different idea to your partner’s. Never refuse to do what your partner wants. The more you are there for your partner without any mutuality, the better it is for the relationship.8. Always react towards your partner and behave the same way you have in past relationships. Prove to yourself that you are consistent. That you don’t change from one relationship to another. There is no reason to choose different reactions and behaviors with different partners. If your past relationships failed it isn’t because something you did or not; it is more likely because something your partner did. Or maybe “the time wasn’t right”; or you were “too busy pursuing your career”, and so on. So there is no reason for you to devote time to thinking what to do differently in a future relationship. 9. Never try to change anything related to “who you are” and the way you behave in a relationship. The process of growing up has taken you years to arrive at where you are. During the years you have unconsciously learned and internalized (from your parents; the society you grew up in; books, movies, fairy-tales and more) a belief-system, a perception of reality; messages about love and relationships.In your adult life you continue to hang on to these. And this is fine. There is no reason for you to give them up. No reason to attempt to change anything you carry on with you for so many years. You are doing just fine. If your relationship fails, that’s too bad, but it isn’t a reason for you to begin doubting yourself or begin to “work” on finding out what has driven you to fail. Things happen, sometimes more than once.10. Resist, fight and reject any advice/suggestion to develop self-awareness.Self-Awareness is something only “losers” develop; only those who “don’t find themselves”; only those who “are not certain about themselves.”If you know who you are; if you appreciate yourself; if you feel you have a fine level of self-esteem – why develop Self-Awareness? It can only make your partner doubt your integrity; your strength; your stability.There is no reason for you to become aware of the ways in which you keep sabotaging your relationships time and again. Avoid any temptation to get to know and understand yourself better. Be and stay “who you are”. After all, consistency in life is a virtue!
How To Pay Off Your Mortgage In 5 Years
My wife and I were “home buyers” for at least 7 years on our current residence. Notice that I said home “buyers,” and not home “owners.” There is a common misconception that when you take out a mortgage, you are immediately a home “owner”
Assuming that you have a 30 year mortgage, the reality is that you are simply in the process of buying the home over a 30 year period. The bank, is the true owner of the property. If you don’t believe me, try missing a few mortgage payments, and see what happens.
3 months ago, we paid off our 30 year mortgage (in 7 years, or 23 years early). Now we are true home “owners.” In this article, I’m going to show you step by step how we were able to accomplish this. Using our existing income, and without incurring any additional debt.
Equity
Let’s talk about “Equity.” Equity, or appreciation, is the difference between what your home is worth and what you owe to the bank. So if you owe $100,000 and your house is worth $300,000, then you have $200,000 of Equity in your home.
We had roughly $250,000 of Equity on our house. We owed the bank $115,000 and our house was worth $367,000.
This $250,000 is dormant. Meaning, it looks good, but it wasn’t doing anything for us.
Home-Equity Line of Credit (HELOC)
So the first thing that we did was we ‘tapped’ into this equity. We went to the bank and took out an Home Equity Line of Credit for $50,000.
What is an equity line of credit? Also called a HELOC, an home equity line of credit is a liquid line that you are able to draw funds from at any time for any purpose. It’s like a gigantic credit card.
Although the HELOC had a limit for $50,000, the amount that we owed on it was $0 at the time that we took it out. This is because, similar to a credit card, you don’t owe anything until you actually use it.
Use HELOC to Pay Down Mortgage
Immediately after we got the HELOC, we withdrew $20,000 and applied it to our Mortgage (additional principal payment).
So at this point, we have $20,000 due on the HELOC, but our mortgage has been paid down by $20,000 (from $115,000 to $95,000).
Use HELOC as “new” Checking Account
Before I go on, let me mention that after we used the $20,000 to pay down our mortgage, we still had the same $115,000 of debt ($20,000 on HELOC and $95,000 on Mortgage).
So to payoff the HELOC, we just used it as our new checking account. When we got paid, we took 100% of our paychecks and applied it to the HELOC.
Now you may be wondering, “with all of our money going to the HELOC, how did we pay our bills?” Remember the HELOC is a “liquid” line. So at the end of each month, we made 1 withdrawal from the HELOC to pay our bills (including our mortgage).
100% of Cash Flow
For us, our monthly paychecks totaled roughly $6,000. Our bills, including our mortgage, and all of our living expenses (gas, groceries, etc.) totaled approximately $3,500. So by applying 100% of our monthly checks to the HELOC, and then using the HELOC to pay our bills, we were able to use 100% of our monthly cash flow to pay the $20,000 HELOC off.
So with and estimated $2,500 of cash flow ($6,000 minus $3,500) the $20,000 was paid off in 8 months.
Repeat The Process
We repeated this process until the remaining $95,000 was paid off (approximately 2 years).
What Do You Need?
1. Cash Flow – You must have positive cash flow in your household budget
2. Credit Score – A decent credit score (650 or above)
3. Equity – Positive equity in your home.
What You Should Know
VERY IMPORTANT: The HELOC should be used to paydown your mortgage. It should not be used to fund a vacation, buy a car, or a boat.
ALSO IMPORTANT: The HELOC is not a Home Equity Loan (HEL). A Home Equity Loan is a 2nd mortgage, and it is treated the same.