Youtube daily report w Mar 30 2017

Learn Colors With Animals Bowling Game Learn Colors With Bowling Balls For Children, Toddlers & Kids nursery rhymes

For more infomation >> Learn Colors With Animals Bowling Game Learn Colors With Bowling Balls For Children, Toddlers & Kids - Duration: 56:16.

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Empresario media para que 31 empleados no sean deportados | Noticiero | Noticias Telemundo - Duration: 2:12.

For more infomation >> Empresario media para que 31 empleados no sean deportados | Noticiero | Noticias Telemundo - Duration: 2:12.

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Foro organizado por ICE es boicoteado por activistas | Noticiero | Noticias Telemundo - Duration: 0:40.

For more infomation >> Foro organizado por ICE es boicoteado por activistas | Noticiero | Noticias Telemundo - Duration: 0:40.

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Accidente en Texas deja varios muertos y heridos | Noticiero | Noticias Telemundo - Duration: 0:39.

For more infomation >> Accidente en Texas deja varios muertos y heridos | Noticiero | Noticias Telemundo - Duration: 0:39.

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Enorme cocodrilo invade campo de golf en Carolina del Sur | Noticiero | Noticias Telemundo - Duration: 0:52.

For more infomation >> Enorme cocodrilo invade campo de golf en Carolina del Sur | Noticiero | Noticias Telemundo - Duration: 0:52.

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Alcaldes acusan al gobierno de usar mal el término "ciudad santuario" - Duration: 1:05.

For more infomation >> Alcaldes acusan al gobierno de usar mal el término "ciudad santuario" - Duration: 1:05.

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Renault Clio TCE90 NIGHT&DAY *R-LINK* - Duration: 0:54.

For more infomation >> Renault Clio TCE90 NIGHT&DAY *R-LINK* - Duration: 0:54.

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Renault Talisman TCE 200pk Intens (4control/Camera/R-LINK2/Climate/Cruise/PDC/19''LMV) - Duration: 0:54.

For more infomation >> Renault Talisman TCE 200pk Intens (4control/Camera/R-LINK2/Climate/Cruise/PDC/19''LMV) - Duration: 0:54.

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Toys R Gus - Duration: 20:56.

For more infomation >> Toys R Gus - Duration: 20:56.

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Holy Mojo - Duration: 43:26.

For more infomation >> Holy Mojo - Duration: 43:26.

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Opel Astra EDITION 1.0T 105PK - 17" - CLIMATE - NAVIGATIE - Duration: 1:02.

For more infomation >> Opel Astra EDITION 1.0T 105PK - 17" - CLIMATE - NAVIGATIE - Duration: 1:02.

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When They Don't Buy Your Stuff - Duration: 11:05.

Today's question is:

I'm selling my...

program or product

and when it doesn't get accepted

I feel rejected personally.

It's a very very good question,

and we've all been there.

Trust me, when I started

coming out of my shell

in to the online world,

because I've been running my business

for almost nine years...

And...

it's been really comfy

in the last few years

beacause...

in the beginning,

I did a lot of networking

and...

all those things

that you need to do

in the beginning of the business,

getting myself out there,

which was very uncomfortable

at the time.

And learning all the ropes...

and I did it on the offline way.

So, back then

that was going to network meetings,

catching up for lunches...

And...

I'm a very introverted person,

I love sitting at home.

So, that was really putting me out

of my comfort zone.

But anyway, I did that.

And I've ran lots of workshops,

and...

did a lot of things.

And that created a huge momentum

in my business,

and so for the next...

few years after that

I was just able to...

really enjoy

the word of mouth

and the momentum that I've created.

And then I...

received the guidance

to start coming out of my shell again

and come out in a new way,

come out online

and share...

the wisdom and...

whatever else is flowing through me

out online.

And, again, this is like:

'I've never done this before!

This is so new! I have to know all these things!'

So, when I just started doing it,

recording my first videos,

which was a year ago...

And then I put them out,

I think I started in May,

putting them out to my subscribers

and out to YouTube...

and my Facebook,

and Instagram

and things like that.

And trust me,

you know what it felt like?

Honestly, it felt like...

and I was saying this

to my friend, as well,

I was like:

I feel like a slug

that was taken out of its shell,

and it's just so exposed,

I felt so vulnerable

And the reason I'm sharing this with you

is because...

we go through these phases

in our business

as we are growing

and evolving in the business.

So, yes, you may have asked this question

becasue you are

in the beginning of your business.

Like, maybe

you are just starting out

and you feel like

every time you put your offer out,

every time you put your...

program or product out

and if it doesn't sell, it's like:

'Oh my gosh! This is personal!'

And I'm going to tell you,

I'm going to talk more about

what's going on there

and what to do about it,

but first

it's to understand

that every time

you are going to go through this phase of

taking yourself up

to the next level

you will experience a degree of that,

lesser or greater degree,

depends on...

depends on the exposure, right?

So...

I'm sure that, you know,

if get invited

to speak in front of...

5,000 people

I'd feel just the same!

Like these videos, it's fine now,

I can post them,

I post my offers...

And I'll tell you, you know, this...

How to do this in a way

that doesn't affect you so much.

So, I do that now,

it doesn't affect me.

I like feel like bulletproof, really.

So, because I've grown into it

and that's okay,

so, I'm wearing it now.

And it's manageable for me,

and it's not personal anymore.

So...

But if I get asked

to go and speak on a stage

with 5,000 people

that would be

a whole new experience for me.

Well, what did you think?

I'm going to feel exactly the same

as I felt nine years ago

when I published my website

for the first time

and only 3 people knew about it:

me, my designer

and my boyfriend at that time.

Nobody else knew

the website existed.

But I couldn't sleep all night

that night

because I felt like I was standing

on Queen Street naked

for everyone to see.

But the truth is

no one saw me,

but that's how personal it felt.

So, what I'm saying is that

this...

experience

of feeling raw and vulnerable

in your business

is not something that

is going to go away completely.

Every time you move to the next level,

you will experience that.

But

you will have a way of dealing with it.

So,

the way to deal with it is...

First, to understand

that your product

and your program,

or whatever you are putting out there,

is not you.

This is really important.

Because

when we are stretching

to that next level

the reason it feels personal is

because we are

personally invested into it.

So, the faster you can

detach yourself

from being personally invested

into that next thing

that you are doing,

your program, your product,

the faster you can detach yourself

and take yourself out of it,

The faster you will stop feeling

personally rejected.

So, that's one level to it:

the personal attachment.

So, when you think about your product

or your program

you can go and self inspect:

Is the reason it feels personal to you

because you are attached

to the outcome,

to what should happen with it,

because you want to...

receive certain feedback

about this program

which will then

give you feedback

about you?

And we don't want that.

When you receive feedback

about your program,

whether it's good or bad,

it doesn't matter,

you'll receive both,

and that's ok.

Somebody may cancel,

you know, somebody may ask

for a refund,

it happens.

It happened to me,

and that's okay.

So, it's not personal,

because it's about the program.

Or it's the way

I talked about the program

that didn't make it clear

to that other person

of what to expect

and what not to expect

within that program.

So,

when I'm not attached

then I'm able to...

look at it objectively

and make any changes

that are necessary

in order for me to improve it

and to...

make it...

better,

make it speak

the right language

to the people

that want to buy it,

so it connects for them.

Now, if I am personally

attached to it,

which means I'm emotional

about the whole thing

then I'm not able

to look at it objectively

and to make changes in it

that are objective

and that are necessary

for this program

because my whole self is invested in it,

it's so personal

I think about it:

'What does it mean about me?'

And I'm lost

in what it means about me

rather than

what it actually means

about the program

and how can I make it better.

The first step is to identify

why you feel personally rejected

when your program or your product

doesn't sell

or doesn't go as well.

So, my guess is,

and really that's the only way

to feel personally,

is that you take it personally

because you are attached to it,

you are invested in it.

And you don't want to be

invested in it.

So...

the faster

you can extract yourself

from your program

or your product

the faster you can actually

objectively work with it,

improve it

and take it to where it needs to go.

So, that's what happened to me.

You know, in the beginning,

I was exposed,

nine years ago,

when I just started,

I had no idea what I was doing.

So, I felt really exposed.

But it went very quickly,

because it was so painful

Because rejection is just normal,

it's part of business.

It was so painful

I detached myself

from what I was offering.

And that's what I did

this time, as well.

It's almost like I've a little bit

forgotten what it's like

to put myself out there,

and so I had to go

through this learning curve again.

But I went through it very quickly

because

when I was putting myself out there,

it's like: 'Ouch! Ouch! It hurts, it hurts!'

Like: Why is it hurting?

Oh, it's hurting because

I'm having expectations,

and I'm attached to it,

and I'm invested in it.

I don't want to do this.

Actually,

my business

my program,

my product

are just a vehicle,

they are not me.

So, when you фre driving, for example,

here's an analogy for you,

when you are driving

you are sitting in your car

and you are driving,

not for a moment

you are thinking that you are your car.

That would be mad.

Right?

Because when you go on the road

here is what happens:

somebody might bump into you,

there is a puddle on the road

and your car gets dirty...

the bird poos on you...

on your car,

and lots of things happen

on the road.

So, your car

gets dirty,

your car may even get dented

but you don't take it personally.

You don't think:

'Oh my gosh, it's me!'

If you do

then you'll be in for a rough ride.

That would be really emotional

to be taking your car out

for a drive every time,

that would be so emotional.

That's just not sustainable,

that's not

how to go through life.

So, the same way for your business.

You take your business out

in the form of your products,

or offers, or programs.

And that's like your car,

it's like taking your car out

for a drive

to go from A to B.

And yes,

some may bump,

some may say:

'Oh I don't like it.'

'Oh, this is not for me.'

Some may ask for refund.

You may not get any takers.

That's ok,

that's just a car.

So, what happens with the car

when it gets dirty?

You just take it to the...

washing place,

and either somebody washes it for you,

or you wash it yourself,

it basically gets washed.

And then you are off on the road again.

It doesn't stop you

from driving, is it,

when a bird poos on your car?

Well, it's the same thing in your business.

Things happen,

and you will get rejected.

So, all you do

is just

fix up your program

if it needs fixing,

so you look at it objectively,

polish it, refine it,

change your language if you need to...

And you put it out again.

You take it out for a drive again

and see what happens.

So, I hope you can do this.

Let me know how it goes for you,

if you have any comments

or questions about this video

leave them in the comments below,

I love hearing from you.

And I'll see you in the next episode.

If you liked this video

subscribe to my channel

and if you want to be part of my inner circle

sign up to my Newsletter,

I send out inspirational tips

every week.

I'd love to connect with you

and I'd love to help you

make your biggest dream come true.

I'll see you in the next episode.

For more infomation >> When They Don't Buy Your Stuff - Duration: 11:05.

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What Are The Different Kinds Of Marketing I Can Do With Your Automation? - Duration: 2:59.

Hey, it's Joe.

This next one is from Frank Carney.

Frank says, "Joe, is there a way, at a modest cost, to send a certain number of emails to

nonsubscribers with an unsubscribe feature without getting in trouble?

Is there a way to send a text blast of a certain number to nonsubscribers without getting in

trouble?"

If you're sending to nonsubscribers and you're doing, it's not a commercial, it's not a response

to a commercial lead, then it's spam.

And you can't do that.

One of the things that we do in the Automarketer is we respond to people who have put, placed

an ad in the paper.

So, or in Craigslist.

You know, or we'll send them a text blast because they've advertised their phone number

saying, "We're interested in selling our property," and our text blast sends them a text that

says, "We're interested in buying your property."

So we're responding directly to their ad and that's legal for us to do.

We're not, we don't have to worry about consumer "do not call" lists at all because we're going,

we're not going to the consumer, we're going to people who are advertising properties for

sale.

We're going back to businesses.

Even though they may be consumers, they are you know, regular people that just have a

home to sell.

We're still, they're working as a business because they're selling their business and

we are contacting them that way.

So if you send a text, unsolicited text, unsolicited emails, that's considered spam and the canned

spam rules cover that.

In some states they have the same rules for text blasts and I have a feeling we're going

to see more and more of that happen.

But we're, you know, in a great situation because we're working business to business

by going to these people that are selling these [properties] and saying, "We're interested

in buying these properties," we're going after them for exactly what they're trying to sell.

And we're saying we want to buy.

So there's nothing spam or illegitimate about the way we're doing it.

That doesn't mean that it doesn't irritate some people.

We get that as well.

We get people that are irritated, say, hey I, you know, I got, you know, I've got other

people that text me.

I'm irritated by it.

Don't send me any more of these texts.

So, we put them on a black list and we take them off the list.

And that's kind of the way you do business.

If we don't call our leads, you know, if we don't call people that are potentially our

leads, if we don't do advertising, we don't have a business.

Every business in existence markets and advertises.

If you don't do it, and you don't do it properly, you won't be in business very long because

business isn't going to come to you.

You have to go out and get the business.

All right.

Hope that answers the question.

For more infomation >> What Are The Different Kinds Of Marketing I Can Do With Your Automation? - Duration: 2:59.

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Is Foreign Investing Affecting Australia? - Ask Kevin Young Episode 110 - Duration: 1:57.

For more infomation >> Is Foreign Investing Affecting Australia? - Ask Kevin Young Episode 110 - Duration: 1:57.

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ASB SKITS - Anti-Bullying - Duration: 2:19.

Did you see what Terra was wearing today?

No, why what was it?

I don't know but it was really ugly though.

I know it must've been really ugly though.

Honestly she can't even dress...

WAIT! She is right here..

Heh, no she's not!

*wack*

Bruh have you seen that new girl?

Her name is Terra and she looks like a Pterodactyl. She is so ugly..

oh.

ow, wah!

*lonely montage*

Hey guys can I hang with you?

Yeah... no. Can you leave?

Why don't you go back to your Pterodactyl friends.

Heh, that was funny!

Guys, that wasn't cool.

You can hang out with me.

You don't need them.

Hey Terra!

yea

We're sorry!

Yeah we're sorry.

I'm sorry for not standing up for you.

It's okay guys.

Wanna hang out?

yeeee

For more infomation >> ASB SKITS - Anti-Bullying - Duration: 2:19.

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Vince Camuto Kelby Leather Crossbody - Duration: 15:48.

For more infomation >> Vince Camuto Kelby Leather Crossbody - Duration: 15:48.

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Korean cosmetics companies branch out beyond China - Duration: 4:30.

Korea's cosmetics companies know they are in for a dry spell as Beijing continues its

economic retaliation against Seoul.

Some in the industry are already adapting... by finding ways to diversify their product

lines and moving further into the global market.

Lee Unshin has more on how some are creating opportunities out of the odds.

The shopping district of Myeong-dong is one of the most famous tourist spots in Seoul

and not so long ago... it was almost always packed.

These days, though, the streets aren't as crowded.

"With all these cosmetic shops here, the area was especially popular with Chinese tourists...

and store clerks standing outside would say hi or introduce their products in Chinese,

no matter who was passing by.

But that's no longer the case either."

The number of Chinese visitors in the nation has dropped sharply over the past few months,

following Beijing's unofficial economic retaliatory measures against Seoul for its deployment

of the THAAD missile defense system.

And because China is the primary importer of Korean beauty items...the industry is concerned,

that other potential retaliatory measures from Beijing could have a serious impact on

cosmetic exports in the long run.

"Korea has long been dependent on China for exports.

But with the recent events, we don't know how long we can maintain the China sales figures.

That's why instead of depending solely on just one market, it's important for Korea

to broaden and explore its overseas market potential."

One Korean cosmetics company has already made inroads into markets overseas.

Meet the early bird -a cosmetics firm that makes beauty products specifically targeting

clients in the Middle East.

Their makeup line was given halal certification, meaning it only uses ingredients that are

permissible under Islamic law.

"I built this line after realizing there was a lack of makeup products that meet the high

standards according to Islamic law.

It requires that goods be free of animal products, certain chemicals or dyes.

But when we developed the products, the result was cosmetics with no unwholesome ingredients

or chemicals, so now, our products are in demand globally."

But he isn't the only pioneer.

This cosmetics distributor also saw market potential outside China... ahead of its competitors.

The company has over 130 Korean cosmetic brands going out to more than 40 countries in regions

like Southeast Asia, Europe and the U.S.

And because different products are popular in different regions, the distributor says

that with the right marketing strategies... there's practically no limit to the Korean

cosmetics industry's growth.

"Skincare products are in high demand in Southeast Asia.

Makeup in vibrant colors is popular in Japan."

It was the company's keen eye for market trends that led it to broaden its horizons beyond

China.

They recognized Korean cosmetics hadn't yet peaked in China... and decided to start marketing

their products around the world before it happened.

"We have a branch in the U.S. and we have individual partnerships with each country

in the Southeast Asian region to localize our marketing strategy.

For global marketing, our main focus lies in utilizing mobile advertising, social media

and Google's search platform."

Industry experts agree the Chinese market is still valuable, but with the potential

for robust sales all over the world, they ask: 'why not explore all markets?'

"Korean cosmetics makers used to import their base ingredients, but now they're producing

makeup with homegrown ingredients and unique designs.

Demand for these original Korean cosmetics is now very high, especially in populous countries

like Japan, the U.S. and India."

To meet the soaring demand, the experts suggest that quality improvements and exceptional

marketing tactics are crucial ingredients for global success.

As some of the first comers in the field have proven, diversifying your market options is

the only way to be successful in the global business arena.

Companies seeking to follow with made-in-Korea products that go beyond beauty... may just

want to take note.

Lee Unshin Arirang News.

For more infomation >> Korean cosmetics companies branch out beyond China - Duration: 4:30.

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Sandstone Peak Trail - Duration: 1:59.

We just started hiking, a little tough but

then Stacey called me

and it turned that Stacey needed to go to the restroom

So fine, I was standing there

keeping my eyes out

I already knew that Stacey will say

"don't look!" "don't look!!"

I can imagine it

so, I looked away, waiting

I heard Stacey was calling me

telling me that she finished

When I looked at her, I told her that she

looked like a wildness survivor

look

when you gotta go, you gotta go.

Always bring this!

a hand sanitizer.

it is really helpful!

yes, exactly!

now we have arrived here at the mountain!

We climbed all the way up to Sandstone Peak

Many people come here to hike

This is located in Malibu, California

Many people come here hiking,

going all the way up to the mountain about

about 6 miles round trip

now we found a hidden gem

a really cute one!

Someone left it so people can sign it or leave words of wisdom

Did you see what Stacey explained? That's called Geocaching

I experienced this before when I went to Big Bear

I found a notebook and signed it

People all over the world signs the notebooks

It's really a popular activity

That's Geocaching, you can look for it through the website or app

It will show you the locations of the notebooks, then you have to look for it and find it in its secret hidden place

Then from there, you can sign it

It's pretty neat!

Your turn

For more infomation >> Sandstone Peak Trail - Duration: 1:59.

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Barcelona vs PSG Champions League 2017 - The Fairytale In Best Comeback Ever - Duration: 5:30.

pressure now on Paris Saint Germain defense

it's Neymar try to feed it through

it's a stretch and it's in

--- has show something like this

extraordinary seems at the Nou Camp

Iniesta

and the magical work

and Messi again setting up Neymaaar

and they have caught PSG apart

Suarez

Luis Suarez single-handedly taking PSG apart

Luis Suareez

finishes the job

once and for all

superbly delightful moment and Barcelona back in it

Paris Saint Germain fans knowing how Barcelona have twice

dubbed them out of champions league

Patrick Kluivert : I hope not we go to draw Barcelona

and in the end it was that

Luis Enrique says he need to rest from it all

he's going out in the end of the season

so Unai Emery there only one win in 23 attempts against Barcelona

contest between the clubs in five seasons

with the French club aiming to go through for the first time

Di Mariaa yes

two null up with Julian Draxler

Di Maria

looking the get one

ohhhh how about that

Cavanii here it this

this game never stop surprising you

Paris Saint Germain running riot

four null the sequels Barcelona's worst European result

sometimes with the defeat teams can go away and say

well you have to offline sometimes and we go again next time

but this is big damage

Steven Gerrard : you know in football if you don't get the basic tries

if you don't run if you don't tackle

if you don't --- if you don't press people close

people down you're in trouble

it doesn't matter how good you are individually or collectively

if you don't get the basic tries you're in trouble

Luis Enrique : it's something that the opponent deserved more than us

they were superior

we have to accept it

that is sport and that is football

Neymar : and now we're thinking on the next game

see what we will do and think a way around

it will hard, practically impossible but we can not give up

Luis Enrique : we are at the half-time of the tie

if one team can score four goals against us

we can score six against them

as we have been doing over the last few seasons

not just once but many times

it doesn't mean we have to become crazy

and try to score loads of goals in a matter of minutes

what we need is a full Camp Nou

over-excited

banner's meaning : everyone behind the team

over-intense

banner's meaning : #comeback!

and we will do our job

which the players know is being intelligent and knowing their strengths

here it is oohh what a sensational start of a match

Barcelona score with two minutes on the watch

tries to chase down Marquinhos oh he's done well

Iniesta ohh it's the second goal

and it really is game on here

two null on the night

four two on aggregate

it's Messi for Barcelonaa

three null

Cavaniii

that's the goal of PSG what so desperately hoping for

ooh he's got something really special on this stage

great goal

Neymar against Trapp

he scored

two quick goals from neymar

it's Neymar try to feed it through

it's a stretch and it's in

--- has show something like this

extraordinary seems at the Nou Camp

Sergio Roberto the substitute is the hero of the hour

and it is the greatest Champions League knock-out comeback

of all time

For more infomation >> Barcelona vs PSG Champions League 2017 - The Fairytale In Best Comeback Ever - Duration: 5:30.

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Godly Wisdom for Your Finances - Part 1 - Enjoying Everyday Life - Duration: 28:33.

ANNOUNCER: THE FOLLOWING PROGRAM IS PAID FOR

BY THE FRIENDS AND PARTNERS OF JOYCE MEYER MINISTRIES.

[MUSIC]

JOYCE: HOW MANY OF YOU WANT TO BE OUT OF DEBT?

WELL, THEN YOU GOTTA STOP SPENDING MONEY THAT

YOU CAN'T SPEND.

YOU GOTTA STOP BUYING THINGS YOU DON'T NEED.

"WELL, EH."

WELL, SISTER, I'M PRAYING FOR A MIRACLE.

GOD'S GIVING YOU ONE.

IT'S CALLED SELF-CONTROL.

[MUSIC]

[AUDIENCE APPLAUDING]

JOYCE: WELL, WELCOME TO "ENJOYING EVERYDAY LIFE."

I'M SO GLAD THAT YOU'RE WITH US TODAY AND GLAD TO HAVE OUR

STUDIO AUDIENCE HERE WITH US, SO I'VE GOT SOME PEOPLE

TO TALK TO HERE IN THE STUDIO AS WELL AS TALKING TO ALL OF YOU

BEAUTIFUL, WONDERFUL, HANDSOME, AMAZING PEOPLE THAT ARE WATCHING

THE PROGRAM TODAY.

AND YOU KNOW WHAT?

YOU REALLY ARE AMAZING.

GOD CREATED YOU WITH HIS VERY OWN HAND, AND HE'S GOT A REALLY,

REALLY, REALLY GOOD PLAN FOR YOUR LIFE.

AND I KNOW THAT MANY OF YOU WATCHING TODAY,

YOU'RE PROBABLY HURTING, AND YOU'VE GOT A LOT OF

DIFFERENT THINGS GOING ON IN YOUR LIFE, BUT I WANT YOU

TO KNOW THAT DON'T EVER THINK THAT NOBODY CARES ABOUT YOU

BECAUSE GOD CARES ABOUT YOU.

HE SEES YOU.

HE KNOWS EXACTLY WHAT'S GOING ON IN YOUR LIFE, AND HE HAS ALREADY

PLANNED YOUR PRISON BREAK.

ALL YOU HAVE TO DO IS LISTEN TO HIM AND KNOW EXACTLY THAT

HE LOVES YOU, THAT HE CARES ABOUT YOU, THAT YOUR SINS ARE

FORGIVEN, AND THAT WHATEVER'S HOLDING YOU IN BONDAGE,

WHATEVER'S GOT YOU IN SOME KIND OF EMOTIONAL PRISON

OR MENTAL PRISON OR FINANCIAL PRISON,

THAT GOD HAS GOT A WAY FOR YOU TO GET OUT.

TODAY I WANNA TO TALK TO YOU ABOUT MONEY.

DO YOU KNOW THAT JESUS SAID MORE ABOUT MONEY

THAN HE DID HEAVEN OR HELL?

I THINK THAT'S INTERESTING, IN OVER HALF OF THE PARABLES,

JESUS TALKS ABOUT MONEY.

SO MONEY IS NOT SOMETHING THAT'S A BAD THING TO TALK ABOUT.

MATTER OF FACT, I THINK IF WE TALKED ABOUT IT

IN A RIGHT WAY A LITTLE MORE THAN WHAT WE DO

PEOPLE MIGHT HAVE A LOT LESS TROUBLE WITH IT,

AND I JUST WANT US TO THINK ABOUT ALL THE THINGS THAT THIS

DOES AND ALL THE THINGS THAT IT CAUSES.

THIS BUYS THINGS.

TO GET THIS, PEOPLE STEAL.

THEY LIE.

THEY MISTREAT PEOPLE.

SOME PEOPLE WILL EVEN KILL TO GET IT.

PEOPLE COMMIT ALL KINDS OF CRIMES TO GET IT.

DIVORCES ARE CAUSED BECAUSE OF IT.

TO GET MORE OF IT, PEOPLE SOMETIMES DON'T PAY

ENOUGH ATTENTION TO THEIR CHILDREN.

I DON'T THINK IT'S QUITE AS IMPORTANT AS WE MAKE IT

OUT TO BE.

AND WE ALL KNOW THAT WE DO NEED MONEY.

IT'S WHAT WE USE IN THE WORLD TODAY TO GET THE THINGS THAT

WE NEED, BUT I THINK WE HAVE TO COME TO AN UNDERSTANDING

OF THE DIFFERENCE IN OUR NEEDS AND OUR WANTS.

IT'S NOT THAT WE SHOULDN'T ALL BE ABLE TO HAVE SOME OF

THE THINGS WE WANT, BUT TO BE HONEST, NOBODY NEEDS

TO HAVE EVERYTHING THAT THEY WANT.

AND THE QUEST FOR MATERIALISM AND FOR STUFF IS ACTUALLY

DESTROYING OUR SOCIETY.

GREED CAN DESTROY A FAMILY.

IT CAN DESTROY A PERSON.

IT CAN DESTROY AN ENTIRE SOCIETY.

WELL, WHAT REALLY IS GREED?

REALLY, GREED IS NO MORE THAN JUST SAYING, "NO MATTER WHAT

I HAVE I'M NOT SATISFIED WITH IT FOR VERY LONG, AND THEN

I THINK I HAVE TO HAVE MORE."

AND I BELIEVE THAT GREED IS AN EVIL SPIRIT THAT COMES

AGAINST EVERY SINGLE ONE OF US.

I'VE EXPERIENCED FEELINGS OF GREED IN MY LIFE,

AND I'VE LEARNED THE WAY TO FIGHT GREED IS WITH GENEROSITY,

AND I REALLY, TRULY MEAN THAT.

YOU CAN FIGHT GREED, YOU CAN KEEP GREED

OUT OF YOUR LIFE, BY BEING GENEROUS ON PURPOSE.

I THINK THAT'S ONE OF THE REASONS WHY THE BIBLE TELLS US

THAT WE ARE TO GIVE BACK A TITHE OF ALL OF OUR INCREASE

TO THE HOUSE OF GOD, WHICH THEN SHOULD BE USED

TO HELP PEOPLE.

SO, IN EFFECT, WE'RE GIVING A PART OF EVERYTHING THAT COMES

TO US TO HELP OTHER PEOPLE, AND THAT KEEPS OUR MINDS

OFF OF JUST US.

THERE'S NOTHING WORSE THAN JUST LIVING A SELFISH,

SELF-CENTERED LIFE THAT'S TOTALLY ABSORBED IN

"WHAT CAN I DO, AND WHAT CAN I GET?"

AND I WANT MORE OF IT.

AND THEN HAVING TO HAVE SOMETHING JUST BECAUSE SOMEBODY

ELSE YOU KNOW HAS ONE, AND MAYBE THEY CAN AFFORD ONE,

AND YOU CAN'T AFFORD ONE.

BUT YOU FIND SOME MANIPULATIVE WAY TO GET ONE JUST SO YOU CAN

FEEL LIKE YOU'RE AS GOOD AS THEY ARE, AND IT'S JUST REALLY KINDA

FOOLISH IF YOU LOOK AT IT, THE IMPORTANCE THAT WE PLACE

ON THINGS.

DO YOU KNOW THE BIBLE SAYS THAT EVERY SINGLE THING

THAT WE GO PURCHASE, EVERY SINGLE THING THAT WE HAVE,

IS ALREADY IN THE PROCESS OF DECAY.

SO WHEN YOU THINK ABOUT IT, THE CAR THAT YOU BUY

IS ALREADY IN THE PROCESS OF DECAY.

THE HOME YOU BUY IS ALREADY IN THE PROCESS OF DECAY.

AND IF YOU DON'T THINK IT IS JUST GO DRIVE BY A JUNKYARD

SOMEWHERE AND REALIZE THAT WHAT IS NOW A PILE OF JUNK

AT ONE TIME WAS SOMEBODY'S DREAM,

AND THERE'S NO TELLING THE PRICE THAT THEY MAY HAVE PAID

IN FAMILY, IN RELATIONSHIPS, IN DOING DAMAGE TO THEIR HEALTH,

IN LOTS OF THINGS IN ORDER TO GET THAT THING THAT IS NOW

LAYING IN A JUNKYARD SOMEWHERE AND HAS NO VALUE TO THEM AT ALL.

NOW OBVIOUSLY I'M NOT SAYING THAT WE DON'T WANNA HAVE

NICE THINGS.

I BELIEVE GOD WANTS US TO HAVE NICE THINGS, BUT I DO BELIEVE

THAT THERE'S A VERY CLEAR DIRECTION IN THE WORD OF GOD IN

PSALM 37:4 THAT SAYS THAT, "IF WE DELIGHT OURSELVES

IN THE LORD, HE WILL GIVE US THE DESIRES OF OUR HEART."

AND THE GREAT THING ABOUT GOD IS WE CAN TRUST HIM TO GIVE US

WHAT IS SAFE FOR US.

THE FLESH FIGHTS AGAINST WISDOM.

WE HAVE WISDOM IN US FROM GOD, AND WE HAVE TO LEARN HOW

TO BE LED BY THE SPIRIT.

SO WE CAN'T LET THE FLESH RULE, AND WE NEED TO REALIZE THAT IT

WILL IF WE DON'T STAND UP TO IT.

SO IT'S GOOD TO TRUST GOD TO GIVE WHAT IS SAFE FOR US TO

HAVE, AND I PRAY ALL THE TIME, "GOD, I WANT YOU TO GIVE ME

ANYTHING YOU WANT ME TO HAVE, BUT IF I ASK YOU FOR SOMETHING

AND IT'S NOT RIGHT FOR ME, THEN I'M ASKING YOU NOW

NOT TO GIVE IT TO ME."

NOW FOR THOSE OF YOU WATCHING BY TV, CAN YOU JUST START

TO DO THAT?

THAT'S A BOLD WAY TO PRAY AND NOT, "GOD, I WANT THIS.

I HAVE TO HAVE THIS.

I NEED THIS.

I CAN'T BE HAPPY WITHOUT THIS.

I DON'T KNOW WHAT I'M GONNA DO IF YOU DON'T GIVE ME THIS."

BUT, "GOD, I'D LIKE TO HAVE THIS, AND I'M ASKING YOU

FOR IT," BECAUSE THE BIBLE SAYS YOU CAN ASK GOD FOR ANYTHING,

"ASK ME FOR ANYTHING," "YOU HAVE NOT BECAUSE

YOU ASK NOT."

BUT THE GOOD NEWS ABOUT THAT IS IF YOU'RE REALLY TRUSTING

GOD AND ABIDING IN HIM, YOU CAN TRUST THAT EVEN IF YOU

ASK FOR SOMETHING THAT'S NOT RIGHT FOR YOU RIGHT NOW

OR IT'S THE WRONG TIME, YOU CAN TRUST GOD NOT TO GIVE IT

TO YOU, AND THAT'S NOT REALLY EVEN A NO.

IT'S JUST, "I'VE GOT SOMETHING BETTER FOR YOU,

AND YOU REALLY DON'T KNOW HOW TO ASK FOR THAT YET."

IT'S A WONDERFUL THING TO NOT CRAVE POSSESSIONS,

TO ENJOY WHAT YOU HAVE BUT TO NOT CRAVE THEM TO THE

POINT WHERE YOU CANNOT BE HAPPY WITHOUT THEM.

SO THERE'S A LOT OF GOOD THINGS THAT I WANNA SHARE WITH

YOU TODAY.

I'VE READ A COUPLE OF BOOKS THAT WERE VERY VALUABLE TO ME,

AND SOME OF THE THINGS THAT I'M GONNA BE SHARING ARE TAKEN

FROM SOME OF THOSE BOOKS.

ONE OF 'EM IS A BOOK CALLED, "MONEY CAME BY THE HOUSE

THE OTHER DAY," BY ROBERT KATZ, AND THEN "FINANCIAL PEACE"

BY DAVE RAMSEY, SO I WANNA GIVE CREDIT WHERE

CREDIT'S DUE.

AND I'M GONNA SHARE A FEW THINGS THAT I'VE READ OUT OF THEIR

BOOKS, BUT THEIR BOOKS ARE GREAT, AND I THINK THEY WOULD BE

A BLESSING TO YOU.

I WANNA TALK TO YOU TODAY ABOUT BECOMING DEBT FREE,

AND I KNOW THAT A LOT OF PEOPLE PROBABLY DON'T EVEN HAVE

IN YOUR MIND THAT THAT WOULD EVER BE A POSSIBILITY FOR YOU.

BUT I WANT YOU TO NEVER STOP BELIEVING IN MIRACLES,

AND A MIRACLE DOESN'T ALWAYS MEAN THAT THERE'S NOTHING

FOR YOU TO DO.

IT MEANS THAT GOD WILL DO EVERYTHING YOU CAN'T DO,

BUT HE'S GONNA ASK YOU TO DO WHAT YOU CAN DO.

SO YOU MIGHT SAY, "WELL, YOU KNOW,

I CAN'T DO THIS AND THAT.

I CAN'T GIVE THIS AND THAT."

BUT WHAT CAN YOU GIVE?

WHAT CAN YOU DO?

IF WE START DOING WHAT WE CAN DO

AND WE DO IT TO HONOR GOD AND TO GLORIFY HIM,

NOW WE'VE GOT A WAY TO PRAY AND SAY, "GOD, I NEED A MIRACLE

FROM YOU."

BUT GOD'S NOT GONNA GIVE US A MIRACLE WHILE WE LAY ON THE

COUCH AND EAT DOUGHNUTS AND WATCH SOAP OPERAS ALL DAY.

YOU KNOW, FOR EXAMPLE, IF YOU'RE IN DEBT

AND YOU WANNA GET OUT, THEN THAT MEANS YOU'RE PROBABLY

GONNA NEED A JOB AND MAYBE A JOB AND A HALF

OR MAYBE TWO JOBS FOR A PERIOD OF TIME,

AND IT MEANS THAT YOU'RE NOT GONNA BE ABLE TO GO BUY

EVERYTHING THAT YOU SEE THAT YOU WANT.

AND YOU MAY HAVE TO CUT UP ALL THE CREDIT CARDS.

YOU KNOW, I THINK SOME PEOPLE NEED PLASTIC SURGERY

AND IN A DIFFERENT WAY THAN WHAT WE THINK ABOUT IT.

THEY NEED TO GET OUT THE SCISSORS AND CUT UP ALL

THOSE LITTLE PLASTIC CARDS THAT ARE CHARGED UP TO THE MAX

THAT THEY'RE PAYING ALL KINDS OF INTEREST ON PAYING FOR STUFF

THAT THEY COULDN'T EVEN FIND IT IN THEIR HOUSE IF THEY WENT

TO LOOK FOR IT RIGHT NOW.

AND SO WE ARE REALLY ADDICTED TO STUFF, AND WE DON'T WANNA BE.

LET'S TRUST GOD TO GIVE US WHAT WE REALLY NEED.

SO, AS I SAID, THERE'S APPROXIMATELY 2,000 BIBLE VERSES

THAT TALK ABOUT MONEY.

JESUS TALKED MORE ABOUT MONEY THAN HE DID HEAVEN OR HELL,

AND HALF OF THE PARABLES JESUS MENTIONS MONEY.

SO IT'S A GOOD THING TO TALK ABOUT.

IN THE BIBLE IN 1 TIMOTHY CHAPTER 6:7-10,

THE BIBLE TEACHES US THAT THE LOVE OF MONEY

IS THE ROOT OF ALL EVIL, THAT WE BROUGHT NOTHING

INTO THE WORLD, AND WE CAN'T TAKE ANYTHING OUT.

WE CAME IN WITH NOTHING.

THINK ABOUT THIS.

WE CAME IN WITH NOTHING.

WE'RE GONNA GO OUT WITH NOTHING.

WHAT DO YOU HAVE THAT'S GONNA GO WITH YOU WHEN YOU LEAVE?

AND EVEN IF SOMEBODY BURIES YOU WITH YOUR STUFF, IT'S STILL

NOT GOING WHERE YOU'RE GOING.

IT'S STILL GONNA STAY HERE.

JAMES DOBSON SAID HE GOT A GREAT REVELATION

WHILE PLAYING THE BOARD GAME MONOPOLY.

HE WAS PLAYING IT VERY AGGRESSIVELY, GETTING HOMES,

TURNING 'EM INTO HOTELS, TAKING EVERYTHING THAT EVERYONE

ELSE HAD, PUTTING THEM OUT OF THE GAME.

SOON EVERYONE HAD LOST EVERYTHING THEY HAD,

AND HE HAD IT ALL.

ISN'T THAT OUR GOAL IN LIFE?

AS HE STARTED PUTTING THE GAME AWAY, HE BEGAN THROWING

THE PIECES BACK IN THE BOX WHEN HE SUDDENLY REALIZED

SOMETHING.

WHEN OUR LIVES ARE OVER, EVERYTHING WE HAVE GAINED

WILL SIMPLY GO BACK IN THE BOX, AND SOMEONE ELSE WILL COME ALONG

AND START ALL OVER WITH IT.

WHY NOT SPEND YOUR LIFE DOING SOMETHING THAT'S GOING TO

LAST, AMEN?

NOW I BELIEVE THAT DEBT CAUSES A GREAT DEAL OF PRESSURE.

IT CERTAINLY CAUSES MENTAL PRESSURE AND I THINK CAN

EVEN MAKE PEOPLE SICK.

I CANNOT EVEN--WELL, I CAN IMAGINE BECAUSE THERE WAS

A TIME IN MY LIFE WHEN I WAS NOT ABLE

TO PAY THE BILLS THAT HAD MOUNTED UP, AND IT WAS BECAUSE

OF LIVING FOOLISHLY, AND I HATED FOR THE PHONE

TO RING BECAUSE I NEVER KNEW WHO WAS GONNA BE ON THE OTHER END

DEMANDING SOMETHING THAT I DIDN'T KNOW HOW TO GIVE THEM,

AND I HAD TO MAKE THE CHOICE TO GET OUT OF DEBT.

AND, YOU KNOW, IT'S INTERESTING BECAUSE SOMETIMES YOU GET

IN DEBT IN SHOVEL LOADS.

IN OTHER WORDS, YOU CAN JUST BRING WHEELBARROWS

FULL OF STUFF IN THE HOUSE, BUT ODDLY ENOUGH WHEN YOU

DECIDE TO GET OUT OF DEBT, SOMETIMES YOU FEEL LIKE

YOU'RE DIGGING A MOUNTAIN OUT WITH A TEASPOON.

IT TAKES A LOT OF TIME.

HAVE YOU EVER NOTICED THAT SOMETIMES YOU CAN GET IN

QUICKER, YOU CAN GET IN TROUBLE QUICKER, THAN YOU CAN GET OUT

OF IT?

AND SO WE WANNA MAKE WISE DECISIONS ON THE FRONT END.

YOU KNOW, IT'S MUCH EASIER TO GAIN WEIGHT THAN IT IS

TO LOSE IT.

IT'S MUCH EASIER-- I'VE FOUND FOR ME IT'S MUCH

EASIER NOT TO LET MYSELF LOSE MY PEACE THAN IT IS TO GET MY

PEACE BACK ONCE I'VE LOST IT.

SO IT'S MUCH BETTER TO DO THE RIGHT THING ON THE FRONT END

THAN IT IS TO TRY TO RECOVER, BUT THANK GOD WE CAN RECOVER.

SO WHEN I TALK ABOUT THE POSSIBILITY OF BEING DEBT FREE,

CAN YOU REACH OUT WITH YOUR FAITH TODAY AND LET A VISION BE

BIRTHED IN YOUR HEART THAT THE TIME CAN COME WHEN YOU WILL

NOT HAVE TO MAKE PAYMENTS ON ANYTHING?

NOT EVEN A HOUSE, NOT EVEN A CAR.

THAT YOU WON'T HAVE TO BORROW MONEY WHEN YOU NEED SOMETHING.

YOU'RE GONNA BE DISCIPLINED ENOUGH AND PATIENT ENOUGH

TO SAVE, AND YOU'RE GONNA HAVE SAVINGS FOR THINGS THAT YOU WANT

IN THE FUTURE AND SAVINGS FOR TIMES OF EMERGENCY.

CAN YOU IMAGINE THE PRESSURE THAT THAT TAKES OFF IF YOU DON'T

ALREADY OWE EVERYTHING THAT YOU HAVEN'T EVEN GOTTEN PAID YET?

AND IT'S REALLY DISCOURAGING WHEN YOU WORK WEEK AFTER WEEK

AFTER WEEK AFTER WEEK AND YOU KNOW THAT EVERY PAYCHECK YOU

GET IS ALREADY SPENT BEFORE YOU EVEN GOT IT ON STUFF THAT HALF

THE TIME YOU DON'T EVEN KNOW WHERE IT'S AT.

AND EVERYBODY SEEMS TO GET INTO THAT AT SOME TIME OR OTHER IN

THEIR LIFE, BUT I'M TELLING YOU WE HANG OUT WITH GOD,

WE CAN GET WISDOM.

AND I BELIEVE THAT WISDOM IS TO DO NOW WHAT YOU'LL BE

HAPPY WITH LATER ON, NOT TO DO NOW WHAT YOU WANNA DO NOW

AND WHAT FEELS GOOD NOW, NOT THINKING ABOUT TOMORROW

BECAUSE YOU KNOW WHAT?

TOMORROW ALWAYS COMES.

HAS ANYBODY NOTICED THAT?

TOMORROW ALWAYS COMES.

OUR STAFF PASTOR, MIKE SHEPHERD, IS WITH US HERE TODAY,

AND MIKE, I KNOW OVER THE YEARS, NOT ONLY YOUR YEARS WITH US

BUT THE MANY YEARS THAT YOU SERVED AS A LOCAL PASTOR,

YOU'VE COUNSELED MANY, MANY, MANY COUPLES

WITH MARITAL PROBLEMS AND RELATIONSHIP PROBLEMS.

IS MONEY EVER PART OF THE MIX OF THOSE PROBLEMS?

MIKE: TO ME, IN MY EXPERIENCE, 90% OF IT

THERE'S SOME SORT OF A FINANCIAL PIECE THAT'S CAUSING

THAT STRESS.

JOYCE: NINETY PERCENT?

MIKE: AT LEAST 90%.

IT MAY NOT BE THE MAJOR ISSUE OR THE MAJOR PLAYER,

BUT IT'S CERTAINLY AGGRAVATING SOMETHING ELSE THAT'S

DYSFUNCTIONAL IN A MARRIAGE.

BUT OFTEN TIMES, I'D SAY OVER A MAJORITY, IT'S THE MAJOR PLAYER,

BUT 90% IT'S A FACTOR.

OFTEN TIMES I THINK JUST PEOPLE DON'T KNOW WHAT TO DO.

I'M ABSOLUTELY OVERWHELMED.

I DON'T KNOW WHAT TO DO, AND OUT OF FEAR THEY MAY JUMP

ON ONE STRATEGY OR ANOTHER, AND IT MAY NOT BE THE RIGHT

RESPONSE.

JOYCE: AND I'M SURE MANY OF YOU WATCHING RIGHT NOW,

YOU JUST THINK, "WELL, I AM IN DEBT, AND, YOU KNOW,

I DON'T KNOW WHAT TO DO.

AND I WISH I WOULDN'T HAVE DONE SOME OF THE THINGS THAT I DID,

BUT I'VE DONE 'EM, AND NOW I DON'T KNOW WHAT TO DO.

JOYCE, I JUST NEED A MIRACLE."

WELL, YOU KNOW WHAT?

GOD IS A MIRACLE-WORKING GOD, AND CERTAINLY THERE ARE TIMES

WHEN GOD WILL JUST MIRACULOUSLY GET SOMEBODY OUT OF SOMETHING

THAT THEY GOT THEMSELVES INTO, BUT I CAN TELL YA I THINK THAT

A LARGE MAJORITY OF TIMES IF GOD JUST CAME BY AND MIRACULOUSLY

GOT US OUT OF A HUGE MESS THAT WE GOT OURSELVES INTO,

TRUTHFULLY--AND I'VE SEEN IT OVER AND OVER--IT WOULD NOT BE

LONG, AND WE WOULD GO GET RIGHT BACK IN THAT MESS OR ANOTHER

MESS AGAIN BECAUSE WHEN THERE ARE NO CONSEQUENCES FOR WRONG

BEHAVIOR AT ALL--AND WE KNOW THAT GOD'S MERCIFUL.

I'M NOT SAYING THAT HE PUNISHES US, BUT IT'S--SAY LIKE SOMEBODY

WHO COMMITS A CRIME.

WELL, THEY'RE GONNA HAVE TO GO TO PRISON AND SERVE THEIR TIME.

THAT DOESN'T MEAN THEY CAN'T BE FORGIVEN.

THEY CAN EVEN HAVE A GOOD LIFE WHILE THEY'RE THERE BECAUSE GOD

CAN GIVE 'EM JOY RIGHT IN THE PLACE WHERE THEY'RE AT,

BUT THEY STILL HAVE THIS DEBT TO SOCIETY

THAT THEY NEED TO PAY.

WELL, IF SOMEBODY GETS THEMSELVES IN DEBT THROUGH

FOOLISHNESS AND GOD JUST COMES AND WIPES IT ALL OUT,

THEN THEY HAVEN'T REALLY LEARNED ANYTHING.

THE ONLY WAY THAT WE REALLY LEARN IS BY GOING THROUGH THE

PROCESS OF GETTING OUT OF DEBT, AND THEN WE REALIZE THAT

WE DON'T WANT TO MAKE THAT MISTAKE AGAIN.

I KNOW DAVE AND I-- DAVE NEVER REALLY WANTED

CREDIT CARDS WHEN WE WERE YOUNG, AND, YOU KNOW, BACK THEN THEY

WERE CERTAINLY MORE OF A LUXURY THAN THEY ARE NOW.

I THINK TODAY THE WORLD, IT'S HARD TO FUNCTION

IF YOU DON'T HAVE SOMETHING.

BUT MY OPINION ABOUT CREDIT CARDS,

AND I'M NOT TRYING TO TELL ANYBODY HOW TO RUN THEIR LIFE--

WELL, YEAH, I GUESS I AM.

I'M AM KINDA--MIGHT AS WELL JUST TELL THE TRUTH.

SURE THAT'S EXACTLY WHAT I'M DOING.

I'M TRYING TO TELL YOU HOW TO RUN YOUR LIFE.

I DON'T THINK THAT YOU SHOULD EVER PUT MORE ON A CREDIT CARD

THAN WHAT YOU CAN PAY OFF AT THE END OF THE MONTH,

AND I THINK IF PEOPLE HAVE A DIFFICULT TIME MANAGING THAT,

THEN YOU MIGHT BE BETTER OFF TO USE DEBIT CARDS

BECAUSE DEBIT CARDS TAKES THE MONEY RIGHT OUT

OF YOUR CHECKING ACCOUNT WHEN YOU USE IT.

NOW ARE THERE EMERGENCY TIMES WHEN YOU DON'T HAVE A CHOICE

AND YOU HAVE TO DO SOMETHING?

YES, I UNDERSTAND THAT.

I'M NOT LAYING DOWN A LAW AND SAYING NOBODY SHOULD EVER

PUT ANYTHING ON A--IT'S A SIN IF YOU EVER PUT ANYTHING

ON A CREDIT CARD THAT YOU CAN'T PAY OFF AT THE END OF THE MONTH,

BUT, YOU KNOW, A LOT OF PEOPLE JUST GO AND CHARGE AND CHARGE

AND CHARGE AND CHARGE, AND YOU KNOW WHAT?

THEY DON'T EVEN KNOW HOW MUCH THEY OWE ANYBODY.

THEY DON'T EVEN KNOW WHAT THEY HAVE.

THEY DON'T EVEN KNOW WHAT THEY OWE ANYBODY.

I REMEMBER TRYING TO DO A DEAL WITH A WOMAN, AND IF SHE THOUGHT

SHE HAD MONEY IN THE BANK SHE THOUGHT SHE COULD SPEND IT.

I'M LIKE, "WELL, HAVE YOU PAID YOUR ELECTRIC BILL THIS MONTH?"

"OH, I DON'T EVEN KNOW WHAT THAT'S GONNA BE YET."

"WELL, IT'S GONNA COME IN.

HAVE YOU PAID YOUR GAS BILL YET?"

"UH, NO."

"WELL, THAT'S GONNA COME IN.

HAVE YOU PAID YOUR RENT YET?" "UH, NO."

"WELL, THAT'S GONNA COME IN."

ALL SHE SAW WAS MONEY, AND I'M GONNA SPEND IT.

AND SO SHE WAS ALWAYS IN TROUBLE, AND THEN HER RELATIVES

WERE ALWAYS HAVING TO GET HER OUT OF TROUBLE, NAMELY HER

CHILDREN, BECAUSE SHE WOULD GO AND DO THESE THINGS,

AND SOMEBODY ELSE WOULD HAVE TO PAY THE PRICE FOR IT.

AND THAT'S NOT FAIR TO ANYBODY, AND TO BE HONEST, IF YOU WERE

A MERCHANDISER OR IF YOU OWNED A STORE AND YOU SOLD SOMEBODY

SOMETHING, YOU WOULDN'T WANT THEM TO THEN DECIDE

THEY COULDN'T PAY FOR IT AND JUST GO FILE BANKRUPTCY.

THERE ARE MILLIONS OF BANKRUPTCY CASES FILED

EVERY YEAR, AND THERE MAY BE RARE TIMES WHEN THAT'S NECESSARY

AND IT'S THE ONLY OPTION THAT A PERSON HAS,

BUT IT SHOULD ONLY BE IN THOSE RARE TIMES WHEN THERE'S

NOTHING ELSE THAT WE CAN DO.

I BELIEVE IT'S VERY IMPORTANT FROM A STANDPOINT OF INTEGRITY

IF AT ALL POSSIBLE WE SHOULD PAY OUR BILLS EVEN IF IT

TAKES US A LIFETIME OF PAYING A DOLLAR A MONTH AS LONG AS

WE'RE ALIVE TO TRY TO DO WHAT WE SHOULD DO.

"DO NOT GATHER AND HEAP UP AND STORE FOR YOURSELVES

TREASURES ON EARTH, WHERE MOTH AND RUST AND WORM

CONSUME AND DESTROY, AND WHERE THIEVES BREAK THROUGH

AND STEAL.

BUT GATHER AND HEAP UP AND STORE FOR YOURSELVES

TREASURE IN HEAVEN, WHERE NEITHER MOTH NOR RUST

NOR WORM CONSUME, AND NOTHING CAN DESTROY IT.

FOR WHERE YOUR TREASURE IS, THERE WILL YOUR HEART BE ALSO."

WELL, YOU KNOW, THE WORLD IS FULL OF GREEDY,

GREEDY, GREEDY, LITTLE, SMALL-MINDED PEOPLE,

AND YOU KNOW WHAT HAPPENS WHEN YOU'RE GREEDY?

YOU DON'T HAVE ANY JOY.

YOU'RE STORING UP TREASURE ON EARTH THAT'S IN THE END

ALL GONNA GO BACK IN THE BOX, AND SOMEBODY ELSE WILL START

ALL OVER WITH IT.

NOW, PENNY, I KNOW THAT YOU HAVE SHARED--

PENNY IS MY ADMINISTRATIVE ASSISTANT,

AND PENNY HAS SHARED WITH ME THAT THE MOST IMPORTANT THING

I'VE EVER TAUGHT HER IS TO GIVE.

AND SHE HAS SHARED THAT THERE WAS A TIME WHEN SHE WAS

EXTREMELY STINGY, AND, YOU KNOW, THAT'S HARD TO BELIEVE BECAUSE

YOU'RE SO GENEROUS NOW.

TELL US A LITTLE BIT ABOUT THOSE DAYS.

WHAT WAS IT LIKE FOR YOU, AND WHY WERE YOU LIKE THAT?

PENNY: I WAS LIKE THAT 'CAUSE I GREW UP IN AN

ENVIRONMENT OF FEAR, AND SO I HAD FEAR WHEN IT

CAME TO FINANCES, THAT THERE WASN'T GONNA BE ENOUGH.

AND SO I WANTED TO HOLD ONTO EVERYTHING THAT I DID HAVE,

AND SO WHEN YOU STARTED TEACHING ABOUT FINANCES, I LEARNED

THAT I DID HAVE THINGS THAT I COULD GIVE.

I LEARNED TO GIVE WHEN I THOUGHT I DIDN'T HAVE ANYTHING, AND

EVERYONE HAS SOMETHING TO GIVE.

AND SO I REMEMBER PRAYING AND JUST LIKE YOU TAUGHT US TO PRAY,

JUST GIVE GOD THE INTENTION OF YOUR HEART.

I WANT TO BE A GIVER.

I REALIZE I'M NOT A GIVER.

I AM SELFISH.

I'M SELF-CENTERED.

I HAVE MYSELF ON MY MIND.

I DON'T THINK ABOUT OTHERS, AND SO I BROUGHT THAT BROKENNESS

TO THE LORD AND ASKED HIM TO CREATE IN ME JUST THE HEART

OF A GIVER.

THEN I BEGAN TO SEE SEED AROUND ME, SEED THAT I DIDN'T EVEN

REALIZE THAT I HAD, AND FROM THERE THEN IT JUST MULTIPLIED.

JOYCE: AND HOW DID THAT AFFECT YOUR SOUL?

DID YOU HAVE AN INCREASE OF JOY?

PENNY: I DID AND PEACE.

I LEARNED TO GO FROM FEAR TO PEACE IN THE AREA OF FINANCES,

ASSURANCE INSTEAD OF INSURANCE.

I JUST NEEDED ASSURANCE IN GOD, AND HE BROUGHT A GREAT PEACE

AND A JOY.

OH, IT'S SO MUCH FUN TO GIVE.

I WAKE UP IN THE MORNING NOT WITH MYSELF ON MY MIND ANYMORE

BUT OTHER PEOPLE ON MY MIND, AND HOW CAN I GIVE,

AND HOW CAN I BE A BLESSING?

JOYCE: JUST IMAGINE IF EVERY PERSON WHO CALLS THEMSELVES

A BELIEVER IN JESUS CHRIST WERE LIKE THAT.

WHAT AN IMPACT WE COULD HAVE ON THE WORLD.

NOW, YOU KNOW, SADLY A LARGE MAJORITY OF PEOPLE, ANYONE WHO

DOESN'T KNOW THE WORD OF GOD, DOESN'T HAVE ANY IDEA ABOUT WHAT

I'M TALKING ABOUT RIGHT NOW.

THEY JUST THINK THAT THE WHOLE PURPOSE IN LIFE IS TO SEE HOW

MUCH STUFF YOU CAN GET AND WALK ALL OVER WHOEVER YOU NEED TO

WALK ALL OVER TO GET IT, AND WE JUST HAVE TO MAKE SURE THAT WE

ARE NOT LIKE THAT IN THE CHURCH.

WHAT IS THE DIFFERENCE IN YOUR WANTS AND YOUR NEEDS?

YOU NEED A HOUSE TO LIVE IN.

YOU WANT TO GO ON A VACATION.

I REMEMBER WHEN DAVE AND I WERE FIRST MARRIED,

WHICH HAS NOW BEEN 46 YEARS AGO.

IT WAS YEARS AND YEARS AND YEARS BEFORE WE WERE ABLE TO TAKE

A VACATION, AND THEN WE HAD TO TAKE THE CHEAPEST VACATION

WE COULD POSSIBLY FIND.

WE DROVE ALL THE WAY TO COLORADO TO SEE DAVE'S BROTHER,

AND WE DIDN'T HAVE THE MONEY TO STAY IN A HOTEL OVERNIGHT.

AND OUR KIDS SLEPT IN THE FLOOR BOARD OF THE BACK OF THE CAR,

AND SOMETHING WAS WRONG WITH THE LIGHTS ON THE CAR.

SOMETHING HAPPENED WHILE WE WERE GOING, AND SO THE WHOLE

WAY THERE THE LIGHTS WERE FLASHING ON AND OFF.

BUT YOU KNOW WHAT?

I REALLY WOULDN'T TRADE ANYTHING FOR THOSE DAYS BECAUSE

I SO APPRECIATE WHAT I HAVE NOW, AND, YOU KNOW,

NOW MOST PEOPLE--AND NOT ALL, BUT I KNOW MANY YOUNG PEOPLE

IN THEIR 20S, THEY WOULD GET DEPRESSED IF THEY COULDN'T TAKE

2 VACATIONS EVERY YEAR, AND IT'S LIKE WE HAVE SO LOST,

I THINK, THE ART OF REALLY REALIZING THAT GOD HAS PROMISED

TO MEET ALL OF OUR NEEDS.

HE DOESN'T TELL US HE'S GONNA GIVE US EVERY SINGLE THING

WE WANT.

HE WILL GIVE US THE DESIRES OF OUR HEART IF THEY'RE

GENUINE DESIRES THAT ARE GONNA BE A BLESSING TO US,

BUT WE CAN TRUST GOD TO GIVE US WHAT WE REALLY NEED

AND SOME OF THE THINGS THAT WE WANT AT THE RIGHT TIME.

LET ME ASK A QUESTION, AND THIS IS JUST SOMETHING

THAT I WANNA GET IN YOUR HEART TODAY.

ARE YOU EXPECTING MONEY WITHOUT RESPECTING MONEY?

THINK ABOUT THAT?

ARE WE EXPECTING MONEY WITHOUT RESPECTING MONEY?

I THINK WE NEED TO HAVE A RESPECT FOR MONEY,

AND WE SEE SO MUCH WASTE TODAY.

WE DON'T WANNA WASTE THINGS.

YOU KNOW, I HAVE SOME REALLY GOOD THINGS ON FINANCES.

THERE'S LOTS OF GOOD THINGS AVAILABLE.

THERE'S LOT OF PLANS TO HELP PEOPLE GET OUT OF DEBT.

I'M NOT GONNA JUST TELL YOU SOMETHING THAT'S NOT TRUE.

IF YOU'RE DEEP IN DEBT, IT'S GONNA TAKE YOU A LONG TIME

TO GET OUT, AND IT'S NOT GONNA BE EASY.

BUT IF YOU START GOING IN THE RIGHT DIRECTION,

GOD WILL GET ON BOARD WITH YOU, AND HE'LL MAKE SOME THINGS

HAPPEN THAT WILL ABSOLUTELY LEAVE YOU WITH YOUR JAW DROPPED

IN AWE LIKE, "OH, MY GOSH."

A LOT OF TIMES WE JUST SIT AROUND AND COMPLAIN ABOUT

OUR SITUATION, OR EVEN WORSE I THINK A LOT OF TIMES,

AND I MIGHT AS WELL JUST THROW THIS IN BECAUSE I'M AN EMPLOYER,

I THINK A LOT OF TIMES WHEN PEOPLE DON'T MANAGE

THEIR MONEY WELL AND THEY GET DEEPLY IN DEBT,

THEN THEY GET MAD AT WHO THEY'RE WORKING FOR BECAUSE

THEY THINK THEY'RE NOT MAKING ENOUGH MONEY, WHEN THE TRUTH IS

IF YOU'RE MAKING THE AMOUNT OF MONEY THAT SHOULD BE MAKING

FOR THE JOB THAT YOU'RE DOING-- AND YOU CAN FIND THAT OUT

PRETTY EASILY JUST BY DOING A SEARCH ON THE INTERNET--

THEN IT'S NOT YOUR EMPLOYER'S FAULT IF YOU'RE DEEP IN DEBT.

IT'S YOUR RESPONSIBILITY BECAUSE YOU HAVEN'T MANAGED

WHAT YOU HAD WELL.

AND I'VE SEEN THAT OVER AND OVER AND OVER, "WELL, I'M NOT MAKING

ENOUGH MONEY."

NO, IT'S NOT THAT YOU'RE NOT MAKING ENOUGH MONEY.

YOU'RE SPENDING TOO MUCH MONEY, AND THERE'S A DIFFERENCE.

DO YOU KNOW MOST PEOPLE LIVE FROM PAYCHECK TO PAYCHECK?

WE ALWAYS NEED TO LIVE 30% BELOW OUR ABILITY.

IF YOU LIVE 30% BELOW THE LIFESTYLE YOU COULD LIVE,

THEN YOU'RE ALWAYS GOING TO HAVE MONEY, AND YOU'RE NEVER

GOING TO BE PRESSURED.

YOU'LL ALWAYS HAVE ENOUGH TO MEET YOUR NEEDS

AND PLENTY TO GIVE TO OTHER PEOPLE THAT ARE IN NEED ALSO.

AND SO, YOU KNOW, THIS IS--THERE'S FAR TOO MUCH

TO THIS FOR ME TO GET IT ACROSS EVEN IN 2 DAYS, BUT I JUST

WANTED TO THROW SOME IDEAS OUT TO YOU THAT IT WAS NEVER

GOD'S WILL FOR YOU TO BE IN DEBT ALL THE TIME.

IT WAS NEVER GOD'S WILL FOR YOU TO LIVE UNDER THAT PRESSURE.

STOP LETTING THIS STUFF RULE IN YOUR LIFE.

I DON'T THINK THERE'S ANY WRONG WITH HAVING NICE STUFF.

IF YOU CAN HAVE IT AND PAY FOR IT, GET IT, BUT IF YOU CAN'T PAY

FOR IT AND YOU'RE GONNA HAVE TO GO IN DEBT TO GET IT, THEN I

THINK YOU NEED TO LEARN HOW TO WAIT BECAUSE WE ALL KNOW,

AT LEAST I THINK--WELL, MAYBE WE DON'T ALL KNOW,

BUT OUR JOY IS NOT BASED ON WHAT WE HAVE.

OUR JOY IS BASED ON WHO WE KNOW.

SOMEBODY ASKED ME THE OTHER DAY--I'D BEEN GONE FOR

A LONG TIME.

THEY SAID, "ARE YOU HAPPY TO BE HOME?"

I SAID, "YEAH, I'M REALLY HAPPY TO BE HOME."

BUT I SAID, "YOU KNOW WHAT?

I'VE JUST MADE A DECISION A GOOD NUMBER OF YEARS AGO

I'M JUST GONNA BE HAPPY NO MATTER WHERE I'M AT."

AND I REALLY DO BELIEVE THAT HAPPINESS, A LOT OF IT,

IS A DECISION, AND IT'S AMAZING WHEN I LOOK BACK AT HOW LITTLE

DAVE AND I HAD IN THE EARLY YEARS OF OUR LIFE,

I DON'T REMEMBER BEING ALL THAT UNHAPPY WITH WHAT I HAD.

AND, YES, NOW WE HAVE MORE.

ANYBODY SHOULD HAVE MORE AFTER YOU'VE BEEN MARRIED 46 YEARS

THAN YOU HAD WHEN YOU FIRST GOT STARTED, BUT I DO KNOW THAT

MY JOY IS NOT CONNECTED TO THAT.

SO MAYBE YOU'RE WATCHING THE PROGRAM TODAY,

AND YOU'VE GOTTEN YOURSELF ALL UPSET BECAUSE YOU DON'T HAVE

WHAT SOME FRIEND OF YOURS HAS, OR YOU THINK YOU NEED THIS,

OR YOU NEED THAT, OR, YOU KNOW, WHATEVER.

WELL, LET ME JUST TELL YOU THAT YOUR JOY'S NOT CONNECTED

TO THAT, AND IF YOU REALLY START PUTTING GOD FIRST IN YOUR LIFE

MATTHEW 6:33 SAYS, "SEEK YE FIRST THE KINGDOM OF

GOD AND HIS RIGHTEOUSNESS, AND ALL OF THESE THINGS

WILL BE ADDED UNTO YOU."

I LIKE TO TELL PEOPLE IF YOU CHASE GOD, BLESSINGS WILL

CHASE YOU.

YOU DON'T HAVE TO CHASE BLESSINGS.

YOU NEED TO CHASE GOD AND LET THE BLESSINGS CHASE YOU.

NOW WE ARE GONNA OFFER YOU SOMETHING TODAY AS A GIFT.

I LIKE TO GIVE GIFTS TO PEOPLE SOMETIMES.

IT'S MY PERSONAL NOTES ON FINANCES.

THESE ARE THE NOTES THAT I TAUGHT MY SERIES FROM

ON FINANCES, AND, OF COURSE, IF YOU WOULD LIKE TO GET OTHER

RESOURCES THAT WE HAVE, YOU CAN CALL US,

OR YOU CAN LOOK ONLINE.

BUT THIS WE WANNA GIVE YOU.

NOW WHY WOULD WE JUST GIVE IT AWAY?

WELL, BECAUSE I WOULD IMAGINE THAT THE PEOPLE WHO NEED IT THE

MOST PROBABLY COULD NOT AFFORD TO BUY IT, AND I'M WILLING

TO SOW THIS INTO YOUR LIFE AS A GIFT.

IF YOU'LL CALL US OR WRITE US I'LL SOW THIS INTO YOUR LIFE

AS A GIFT IF YOU WILL JUST MAKE A COMMITMENT TO READ IT,

LOOK THESE SCRIPTURES UP, AND BEGIN TO PRAY ABOUT GOD

GIVING YOU A PLAN ON HOW YOU CAN GET OUT OF DEBT.

YOU SHOULD BE THE HEAD AND NOT THE TAIL,

ABOVE AND NOT BENEATH.

YOU SHOULD BE ABLE TO LEND TO MANY NATIONS

AND NEVER HAVE TO BORROW, AND YOU SHOULD NEVER

LAY IN YOUR BED AT NIGHT IN FEAR BECAUSE YOU CAN'T PAY YOUR BILLS

AND YOU DON'T KNOW WHAT YOU'RE GOING TO DO.

WE ALL DO FOOLISH THINGS AT SOME TIMES IN OUR LIVES.

THERE'S NO DOUBT ABOUT THAT.

THERE'S NO CRIME IN MAKING A MISTAKE, BUT IT IS TERRIBLE

ONCE YOU'VE MADE IT AND SEE THE RESULTS IF YOU KEEP

MAKING IT OVER AND OVER AND OVER AGAIN.

SO THIS IS A NEW DAY, AND I BELIEVE THAT SOME

GOOD THINGS ARE IN STORE FOR YOU.

GOD BLESS YOU, AND BE SURE YOU JOIN US AGAIN TOMORROW.

[AUDIENCE APPLAUDING]

ANNOUNCER: WE LIVE IN A WORLD WHERE TRUST IS DIFFICULT TO GAIN

AND EASILY BROKEN.

YET, WE ALL NEED A SAFE PLACE WHERE WE CAN TRUST FEARLESSLY.

COME, CONNECT WITH THE ONE WHO WON'T LET YOU DOWN,

WHOSE LOVE FOR YOU NEVER EVER FAILS

AT THE 35TH ANNIVERSARY LOVE LIFE WOMEN'S CONFERENCE,

FEATURING JOYCE MEYER AND HER GUESTS: JOEL OSTEEN,

JOHN GRAY, MICHAEL W. SMITH, CHRIS TOMLIN, CECE WINANS,

RUTH GRAHAM, AND DAVE MEYER.

JOYCE: YOU WANNA REALLY MAKE THE DEVIL MAD?

TRUST GOD AND ENJOY YOUR LIFE WHILE GOD IS SOLVING

YOUR PROBLEM.

JOEL: SO QUIT TRYIN' TO FIGURE IT ALL OUT AND SAY,

"GOD, I'M GONNA TAKE THE LIMITS OFF OF YOU.

I KNOW ONE TOUCH OF YOUR FAVOR CAN GET ME TO WHERE

I'M SUPPOSED TO BE.

ANNOUNCER: EARLY-BIRD PRICING ENDS MAY 31 SO REGISTER TODAY,

THE 2017 LOVE LIFE WOMEN'S CONFERENCE.

[MUSIC]

CC BY ABERDEEN CAPTIONING 1-800-688-6621 WWW.ABERCAP.COM

ANNOUNCER: THE PRECEDING WAS PAID FOR

BY THE FRIENDS AND PARTNERS OF JOYCE MEYER MINISTRIES.

For more infomation >> Godly Wisdom for Your Finances - Part 1 - Enjoying Everyday Life - Duration: 28:33.

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Dr. Peter Zirps: Steuernews-TV April 2017 - Duration: 2:18.

For more infomation >> Dr. Peter Zirps: Steuernews-TV April 2017 - Duration: 2:18.

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Net Worth - Duration: 42:21.

For more infomation >> Net Worth - Duration: 42:21.

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DIY - decorate makeup cream - How to make a chicken - Duration: 9:33.

Hi, today I want to show you how I will

make this chicken out of foam sheet and

for to make this chicken I use pot of

my cosmetic. Here is my cream in the pot

which I want to use. Now I will use aluminium foil.

and I will fold aluminium foil this same size

of a bottom pot of cream

and now I will wrap aluminium foil in the circle.

I need do this circle bigger and for this I use one

more strip.

I will fix end with hot glue gun and now I will make a triangle

and I will fix this triangle to the bottom

part of a pot.

You be sure that you can remove lid.

Now I use polystyrene ball for to make a head

I will cut polystyrene ball in the middle

and I will fix polystyrene ball to the

lid of a cream.

Now I use foam sheet and I will cover polystyrene ball

and lid.

I will fix foam sheet to the lid.

and I will cut out any surplus of foam sheet.

Now I will cover with foam sheet

circumference. I will measure wide circumference

and I will cut out strip from foam sheet.

I will make this strip a little bit bigger

but first I will clean this triangle.

with foam sheet.

Now I will cover with foam sheet

bottom of a pot.

and now I will fix this strip around a pot.

You be sure that you can close a pot

of cream.

Now I will make chicken tail

and I will make a small cut

and I will make a nice shape with an iron.

Now I will make a wings.

I will draw wings.

and I will make a small cut around

I use an iron to make a better shape

and I will fix wings to the body

Now I will make a chicken comb

I use iron for to make a nice shape

and now I will fix this three sides together

and I will fix chicken comb to the head

and now it's time to make a chicken beak

I will cut out from foam sheet a small triangles.

I use again iron

and I will fix these triangles on the correct place.

I will make this triangle little bit smaller

and I will fix triangle too.

Now I will fix eyes

and I have finished. I finished this

chicken and I have nice new decoration

for Easter and I have decorated my

cosmetic too. Please subscribe to me or

leave me message what you think

and you can leave me message what you want see

next time - next video.

See you next time. Bye

For more infomation >> DIY - decorate makeup cream - How to make a chicken - Duration: 9:33.

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Whatsapp funny video - Funny video compilation - BEST funniest moments 2017 - Duration: 10:15.

For more infomation >> Whatsapp funny video - Funny video compilation - BEST funniest moments 2017 - Duration: 10:15.

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samsung galaxy s8 pre order samsung galaxy s8 t mobile samsung galaxy s8 unveiling - Duration: 1:41.

For more infomation >> samsung galaxy s8 pre order samsung galaxy s8 t mobile samsung galaxy s8 unveiling - Duration: 1:41.

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The Grand Re-Opening - Duration: 41:44.

For more infomation >> The Grand Re-Opening - Duration: 41:44.

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Your Money and Your Man [BOOK REVIEW] - Duration: 6:33.

Hello and thank you for tuning into Noire Histoir.

I'm Natasha and today I'll be discussing the book Your Money and Your Man.

I'd been looking for books that offer advanced financial advice on what adults in their 20's-30's should be doing to ensure a secure future.

But, personal finance info targets older folks and focuses on the basics, credit repair, or retirement.

I found a copy of Your Money and Your Man on a personal finance shelf at the library and decided to check it out.

Your Money and Your Man by Michelle Singletary, offers women some financial advice for life

in general but focuses on dating/courtship, marriage, and raising kids.

Generally speaking, men and women should both pay for dates, either splitting the bill or

taking turns paying.

Men shouldn't have to do all the romancing nor should they have to profess their love

through the amount they're willing to spend on pricey gifts.

I don't believe in unmarried couples living together unless they're engaged with a set

wedding date because it's a bad idea to mix finances with someone to whom you aren't married.

I'll admit that I'm frugal and lacking in the romance department.

As a result, I agreed with most of Singletary's views on dating and weddings.

For the most part, expensive engagement rings and weddings are a waste of money for the average couple.

Engagement parties, weddings, and baby showers

have become a tacky ploy to get people to buy the couple stuff.

I did side-eye the idea of two people with different spending patterns entertaining the

idea of marriage.

Love doesn't conquer all and two people with different views on finances thinking

that they'll balance each other out is a gamble.

Finances can be a major issue during a marriage and are one of the most common reasons for divorce.

Couples should resolve differences in financial beliefs during the engagement

and go their own ways if they can't reach a resolution.

Singletary didn't advocate for people getting married under these circumstances.

Yet, she seemed unwilling to state outright that such a couple doesn't have any business being together.

I disagreed with Singletary on the points of prenuptial agreements, joint bank accounts,

and one of her examples of compromise.

Singletary agrees with the opinion that prenuptial agreements are a sign that a couple doesn't

love or trust each other enough.

This was one of the few points for which Singletary presented no facts to support her views.

But based on that logic, why advocate for couples exchanging credit reports before marriage?

Or having detailed conversations about their current views and planned expectations for finances?

Why is it ok to have conversations about life events that might arise in a relationship

but not what would occur should the relationship end?

I don't understand encouraging women to achieve financial independence before marriage.

But then advising against protecting the assets accumulated from that work and sacrifice.

By all means, couples should fairly divide assets accumulated during the marriage.

But, assets accumulated or based on efforts before marriage should remain with the person

that accumulated them.

I came to Your Money and Your Man with that belief and the info presented by Singletary

did nothing to change my mind.

I view a fair prenuptial agreement as nothing more than an agreement on the division of

assets in the event of divorce.

If you view it from that perspective, it's no different than drawing up a will or purchasing insurance.

We all hope that we're not going to die early, become disabled, or suffer a serious

injury/illness.

But, it's responsible to make preparations in the event one of those things should occur.

A prenuptial agreement shouldn't be any more controversial than planning other life

events we hope won't happen.

It isn't much different from the open communication plan that Singletary promotes elsewhere in

Your Money and Your Man.

The person you fall in love and are in a relationship with can be different from the person you

divorce.

It might be better to discuss the division of assets while cool-headed and in love rather

than amidst the emotions of a divorce.

Singletary states that only 1% of married or engaged couples have a prenuptial agreement.

Yet about 50% of marriages end in divorce.

Given the discrepancy in percentages, prenuptial agreements are not a "plan to fail".

If anything, prenuptial agreements would be a good idea for more couples.

I understand Singletary's perspective on joint finances and that money should be "ours"

rather than "yours" and "mine".

But, there's nothing wrong with a couple having joint or separate accounts.

Couples should choose what works best for them.

The "Financial House Rules" are a great idea for avoiding financial disagreements.

Having a couple put in place an actual plan for how they'll communicate should help

to ensure openness and honesty.

I agreed with Singletary's statement that relationships need compromise but took issue

with the example she provided.

She shared the story of a woman who contacted her for advice.

The woman and her fiance both owned their own homes and each had their own reasons for

not wanting to move into the other's home.

The common sense solution would be for them to sell their homes and use the proceeds to

buy a new home together that would fit both of their needs.

Yet it seemed that Singletary advised the woman to compromise and sell with no mention

of the fiancé compromising.

She focused on the woman being unwilling to compromise rather than them both being stubborn.

Her rationale seemed to be that the woman should give in and sell her house because

it's easier than trying to find another man to love/marry her.

It's terrible advice on various levels and a poor example because it's not a compromise.

Your Money and Your Man is a bit basic but I was still able to learn some new things.

Women are the book's intended audience but the advice is also applicable to men.

Singletary's personal beliefs influence some of the advice so Your Money and Your

Man leans Christian conservative.

This might be off-putting for some but I thought it was easy to ignore.

I found exactly what I was looking for in the "Major Money Milestones" chapter which

provided guidelines on financial goals you should strive to achieve broken down by age.

It wasn't as detailed as I would have liked it to be but it was still valuable.

I had almost no prior understanding of the different types of life insurance so the "Getting

Down To The Basics" chapter was also very informative for me.

The advice offered in Your Money and Your Man won't apply to everyone but it's helpful

to know what the different options are and how to select what's right for you.

The breakdowns in each chapter explain how to take action on the advice offered and are

very useful.

The Financial Communication Checklist is also a great resource for couples.

For more infomation >> Your Money and Your Man [BOOK REVIEW] - Duration: 6:33.

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Afghanistan to play three ODIs, three T20Is in West Indies - Duration: 1:48.

Afghanistan are all set to play their first full series against a Full Member other than

Zimbabwe when they tour West Indies for three One-Day Internationals and three Twenty20

Internationals this year in June.

With West Indies failing to qualify for the Champions Trophy in England, the limited-overs

series will be held around the same time as the multi-team event in England.

The two sides have never faced each other in the 50-over format before.

The T20I matches will be held at Warner Park in St Kitts with the first match scheduled

for June 2.

The first ODI will be held at the Darren Sammy National Cricket Stadium in St Lucia on June

9.

The other two ODIs will also be played at the same venue with the tour ending on June

14.

The last time these two sides met was in the World T20 last year in which Afghanistan surprisingly

came out on top by six runs.

With only the top eight teams gaining a direct entry into the 2019 World Cup in England,

West Indies will be desperate to topple Pakistan, who are currently placed eighth.

With Pakistan also scheduled to play three ODIs in the Caribbean islands now, the home

side will be looking to make use of these six games to make up for lost ground.

"It will also be an important series for our side, as they look to move up in the ICC World

Rankings in the two formats, and continue their quest to qualify for the 2019 ICC World

Cup in England and Wales," Roland Holder, WICB Manager of Cricket Operations, said on

Wednesday (March 29).

As per the original schedule, the two sides were scheduled to play five ODIs and T20Is

but now two 50-over matches have been scrapped.