Financial planners work with clients to help them invest their money. They may work for a bank, insurance company or other financial institution. To become a financial planner you must undertake specific finance training as well as become accredited as it is a highly regulated industry.
What Financial Planners Do
A financial planner will meet with their clients and help them set their financial goals, both short and long term, and then help achieve them. They will come up with a financial plan that will meet their clients needs and adjust it accordingly as time goes on to keep it on track and up to date. They will liaise between clients and the companies that they want to invest in, and will often research these companies, providing detailed reports of their findings.
They will make suggestions to their clients of which stock to purchase based on their research. You can specialise within different areas of financial planning, for example you may choose to work in investments or there are others who are rating analysts. You will need to have excellent people skills and be a good listener. Mostly financial planners work in an office, although they are required to visit clients and attend meetings. It is also not uncommon for a financial planner to work long hours. The job description can be quite varied or you may choose to specialise in areas such as estate planning, superannuation, retirement planning, small business financial management, work in investments in the stock market, handle debt and risk management or work in insurance.
Benefits of being a Financial Planner
Working as a financial planner will offer you a lot of job satisfaction as you are helping people achieve their financial goals. It is challenging and rewarding and through the many career opportunities you will experience personal and professional development. There is also the opportunity to earn a good income as well as there being plenty of job prospects since it is one of Australia's fastest growing professions.
To become a Financial Planner
To have a career in financial planning you do not need a university degree, although you will find that most have a degree in either business, finance or accounting. It is important to have good problem solving skills as well as be proficient in maths. You will need to be confident and able to work on your own. Good communication skills are a must. It is also useful to have a working knowledge of money markets, tax laws and the general economy.
To start with you will need to do a recognised entry level training course, which will give you the skills and knowledge to become a financial planner. A Diploma of Financial Services (Financial Planning) is available. Beyond having the right skills you will need to comply with the minimum training requirements according to ASIC's policy statement and you are also required to hold an Australian Financial Services License. When you are new to the field you generally will not be able to obtain a license but you can operate under an existing license holder until you have met the job experience requirement.
Saturday, May 26, 2012
Boat Finance - Achieve What You Expect in Financial Solutions
Owning a luxurious property today can be obtained with effortlessness and affordability. Just like in buying a car, a home or even a boat. Isn't it nice to own a precious property that can be purchased in a handy way? Don't be surprised if there are already efficient ways to work-out for the things you love. There are flexible options that you can choose just to get the things you want. The best way to do is to find a reliable financial planning. This could make your buying process to be convenient. We know that buying expensive items needs proper planning and calculations. Especially in buying of a boat whether for personal or business purpose, you can possibly have it in great offers. A boat is one of the luxurious properties that a man can own. It needs enough time of investing before a person can finally have it. However today, with the help of financing firms and independent lenders, the goal of owning a boat is getting nearer. You can have you dream boat at hand when you successfully applied in the boat finance.
The recommended option to have an easy management of getting boat finance is to hire a professional dealer. Finance dealers are making the finance process more convenient onto your part. They are helping clients to decide on the options that need to take into account before applying to a certain boat loan. They are presenting great deals and wide resources to the clients to have wide selections. You as a client can maximize the amount that you have and you will know the type of financing plan that is suitable for your capability to pay. Financing your dream boat along with the reputable and expert dealer will shorten the time in obtaining it. They are responsible of calculating the down payment and the future payments to let you determine the loan that you will be dealing with for the entire financing plan cover. The experienced finance dealer knows how to access and utilize the finance sources. Clients will feel the real value of financing plan because they will be given valuable advice as they are in the financing world. The right finance management will be attained easily because of the good decisions made by the professional finance dealers. You will know your rights in the payment conditions and also, you will know how to gain incentives.
The recommended option to have an easy management of getting boat finance is to hire a professional dealer. Finance dealers are making the finance process more convenient onto your part. They are helping clients to decide on the options that need to take into account before applying to a certain boat loan. They are presenting great deals and wide resources to the clients to have wide selections. You as a client can maximize the amount that you have and you will know the type of financing plan that is suitable for your capability to pay. Financing your dream boat along with the reputable and expert dealer will shorten the time in obtaining it. They are responsible of calculating the down payment and the future payments to let you determine the loan that you will be dealing with for the entire financing plan cover. The experienced finance dealer knows how to access and utilize the finance sources. Clients will feel the real value of financing plan because they will be given valuable advice as they are in the financing world. The right finance management will be attained easily because of the good decisions made by the professional finance dealers. You will know your rights in the payment conditions and also, you will know how to gain incentives.
Book Review - Financial Peace Revisited
Dave Ramsey's last major book, "The Total Money Makeover", has been a best seller for several years. It is his best book today. Also, it is one of the best book on personal finance out there. Prior to that book, the book, "Financial Peace", was created as a self-published book. Then, it became a best seller and has been revised and revisited.
There is something soothing and calming about the title,"Financial Peace". Everyone has a financial life- whether good or bad. Everyone (whether they care to admit) wants to have peace in their financial life. As mentioned on a constant basis by Dave Ramsey, personal finance is more personal than finance. There are a lot of emotions (and some logic) conjured up when you discuss personal finance.
It seems that most people handle their personal finance the same way they handle everything else in their life. There is a lot of complications, confusions, even negligence, indifference, good intentions, and other emotions and mixed feelings.
This book addresses many of those issues especially how money affects our relationships (and how our relationships affect our handling of money). The principles may seem simplistic such as KISS (Keep It Simple Stupid)- but they are crucial in order to succeed in your personal finances. The principle of simplicity (or KISS) is primarily an issue of dealing with cash and not credit. When we live on a cash basis, then we do not have to worry about interest rates, finance charges, fees, etc. We have simplified our lives to the better. As Dave Ramsey would say, we do not have to worship at the altar of the almighty FICO score. This is also applicable to co-signing loans. When we co-sign a loan, we pretty much are taking over the burden of paying someone else's debt. By keeping our personal finances simple, we are respecting the other person as much as ourselves.
Another key principle the book discusses is the power of contentment. Contentment empowers us to restrain from spending on things or stuff that we do not need or even care about. Being contented would allow you to have less stuff that you do not need but have more cash. The book discusses this principle extensively and vividly in order to allow you to succeed in your personal finance.
Also, money affects our relationships. It is critical and crucial to not borrow from anyone or anything especially (and most especially) from friends or family members. The close the relationship; the more crucial it is to not borrow from that person. Owing someone money changes all the dynamics of that relationship.
This is a good book to read on personal finances. When you apply the principles, you will attain that elusive financial peace.
There is something soothing and calming about the title,"Financial Peace". Everyone has a financial life- whether good or bad. Everyone (whether they care to admit) wants to have peace in their financial life. As mentioned on a constant basis by Dave Ramsey, personal finance is more personal than finance. There are a lot of emotions (and some logic) conjured up when you discuss personal finance.
It seems that most people handle their personal finance the same way they handle everything else in their life. There is a lot of complications, confusions, even negligence, indifference, good intentions, and other emotions and mixed feelings.
This book addresses many of those issues especially how money affects our relationships (and how our relationships affect our handling of money). The principles may seem simplistic such as KISS (Keep It Simple Stupid)- but they are crucial in order to succeed in your personal finances. The principle of simplicity (or KISS) is primarily an issue of dealing with cash and not credit. When we live on a cash basis, then we do not have to worry about interest rates, finance charges, fees, etc. We have simplified our lives to the better. As Dave Ramsey would say, we do not have to worship at the altar of the almighty FICO score. This is also applicable to co-signing loans. When we co-sign a loan, we pretty much are taking over the burden of paying someone else's debt. By keeping our personal finances simple, we are respecting the other person as much as ourselves.
Another key principle the book discusses is the power of contentment. Contentment empowers us to restrain from spending on things or stuff that we do not need or even care about. Being contented would allow you to have less stuff that you do not need but have more cash. The book discusses this principle extensively and vividly in order to allow you to succeed in your personal finance.
Also, money affects our relationships. It is critical and crucial to not borrow from anyone or anything especially (and most especially) from friends or family members. The close the relationship; the more crucial it is to not borrow from that person. Owing someone money changes all the dynamics of that relationship.
This is a good book to read on personal finances. When you apply the principles, you will attain that elusive financial peace.
Bp Gulf Oil Spill Financial Loss Claims May Require Certified Business Appraisal And Valuation
The BP Deepwater Horizon Oil Spill has affected countless small and large businesses operating in the coastal Gulf State regions. If you own a business that has suffered a loss due to the rupture and release of oil in the Gulf of Mexico, then you may have a claim to present to British Petroleum as well as other insurance and emergency loan organizations. The greater your companys financial loss, the more important it is to provide legal, court-approved documentation outlining the value of your business.
Examples of the types of businesses that have suffered losses in value "directly" from the BP oil spill include: commercial fishermen, oyster and seafood processing businesses, recreational businesses along the coast that depend on the tourist trade, suppliers of pipes and fittings for BP's drilling operation, businesses whose vessels ferried personnel and supplies to and from the rig, etc.
Importantly, a business may have suffered a loss in revenue and earnings "indirectly" as a result of the BP oil spill. This is still a compensable loss! These include suppliers of goods and services to the fishing industry, to BP for its former drilling and extraction operations, nearby restaurants, resorts, cocktail lounges that have seen their patronage disappear, liquor stores, hotels and hotels whose guests and prospects for paying guests in the future have diminished, property/landowners, recreational tour operators -- what type of business has not suffered a loss?
Operating businesses are typically appraised or valued based on their past, present and future earnings. A knowledgeable and prospective buyer of a business will estimate (as best he or she can) what earnings will be generated in the future. The buyer buys the business based on both the value of the hard assets (accounts receivable, equipment, inventory) "plus" the goodwill it has generated.
Goodwill is generally defined as the salable value of a business arising as a result of name, reputation, customer loyalty, location, products, and similar factors.
A business that has found that its capacity for generating revenues and earnings has been lost or severely damaged may have suffered a loss of its salable goodwill. This loss is in addition to its loss of hard assets and physical property. As an example only, a business that had generated $250,000 in annual earnings before the oil spill and finds that its earnings will be reduced to $50,000 in the future has lost $200,000 a year, each year into the future. The $200,000 loss may translate into a loss of three, four or five times the annual loss, or $600,000 to $1,000,000, as an example.
In order to substantiate a claim for loss of value, it is recommended that you engage the services of a well-qualified business appraiser. The valuation process that the appraiser will follow will be to interview the business owner, learn about the nature and history of the business, and why it has been a viable and profitable operation in the past. Also, what has happened as a result of the BP oil spill that has damaged the business. The appraiser will then prepare what is known as "before" and "after" calculations.
The "before" analysis determines the fair market value of the business "before" the damages occurred. "But for" the oil spill, this is what the business was worth and would have been worth. The "after" analysis determines what the business is worth "after" the disaster has diminished its value.
The difference in value between before the spill and after the spill is the loss in goodwill value that the business has sustained, and may be claimed as a loss to BP and the independent arbitrator agreed upon by the government.
If you have suffered a loss as a result of the BP Gulf Oil Spill and contamination, Business Enterprise Appraisal Company, Inc. (BEACo), established in 1972, may be of assistance. The firm's principal, Larry Grant, ASA, is an Accredited Senior Member of the American Society of Appraisers in the specialty of Business Valuations. Mr. Grant and his team are recognized experts in appraising businesses, goodwill, and the damages they have sustained as a result of factors outside their control.
- Email the office at: - Call directly at: 818-591-9282
Examples of the types of businesses that have suffered losses in value "directly" from the BP oil spill include: commercial fishermen, oyster and seafood processing businesses, recreational businesses along the coast that depend on the tourist trade, suppliers of pipes and fittings for BP's drilling operation, businesses whose vessels ferried personnel and supplies to and from the rig, etc.
Importantly, a business may have suffered a loss in revenue and earnings "indirectly" as a result of the BP oil spill. This is still a compensable loss! These include suppliers of goods and services to the fishing industry, to BP for its former drilling and extraction operations, nearby restaurants, resorts, cocktail lounges that have seen their patronage disappear, liquor stores, hotels and hotels whose guests and prospects for paying guests in the future have diminished, property/landowners, recreational tour operators -- what type of business has not suffered a loss?
Operating businesses are typically appraised or valued based on their past, present and future earnings. A knowledgeable and prospective buyer of a business will estimate (as best he or she can) what earnings will be generated in the future. The buyer buys the business based on both the value of the hard assets (accounts receivable, equipment, inventory) "plus" the goodwill it has generated.
Goodwill is generally defined as the salable value of a business arising as a result of name, reputation, customer loyalty, location, products, and similar factors.
A business that has found that its capacity for generating revenues and earnings has been lost or severely damaged may have suffered a loss of its salable goodwill. This loss is in addition to its loss of hard assets and physical property. As an example only, a business that had generated $250,000 in annual earnings before the oil spill and finds that its earnings will be reduced to $50,000 in the future has lost $200,000 a year, each year into the future. The $200,000 loss may translate into a loss of three, four or five times the annual loss, or $600,000 to $1,000,000, as an example.
In order to substantiate a claim for loss of value, it is recommended that you engage the services of a well-qualified business appraiser. The valuation process that the appraiser will follow will be to interview the business owner, learn about the nature and history of the business, and why it has been a viable and profitable operation in the past. Also, what has happened as a result of the BP oil spill that has damaged the business. The appraiser will then prepare what is known as "before" and "after" calculations.
The "before" analysis determines the fair market value of the business "before" the damages occurred. "But for" the oil spill, this is what the business was worth and would have been worth. The "after" analysis determines what the business is worth "after" the disaster has diminished its value.
The difference in value between before the spill and after the spill is the loss in goodwill value that the business has sustained, and may be claimed as a loss to BP and the independent arbitrator agreed upon by the government.
If you have suffered a loss as a result of the BP Gulf Oil Spill and contamination, Business Enterprise Appraisal Company, Inc. (BEACo), established in 1972, may be of assistance. The firm's principal, Larry Grant, ASA, is an Accredited Senior Member of the American Society of Appraisers in the specialty of Business Valuations. Mr. Grant and his team are recognized experts in appraising businesses, goodwill, and the damages they have sustained as a result of factors outside their control.
- Email the office at: - Call directly at: 818-591-9282
Bookkeeping Business Tips For Developing Reliable Financial Projections
Financial forecasting reminds me of the weather you make your forecast at a moment in time based upon the information currently available. You draw a conclusion and state your financial forecast. But then, the information changes, now its raining, and youre caught without your umbrella!
Financial forecasting, unlike the weather, isnt a science but its not pure guess work either. It is a combination of:
knowing your business;
understanding your marketplace;
setting goals; and
using common sense.
As a business coach, I know that every small business needs to make reliable financial projections at one time or another. Forecasting is critical during the following stages of a companys life span:
when seeking financing
gauging the profitability of a new product or service
determining the impact of staff expansion or cutback
assessing other business decisions
The many components of forecasting boil down to the following five bookkeeping business tips that for years Ive shared with business coaching clients:
Bookkeeping Business Tip #1: Review Actual Year-To-Date Results
Start by looking at where youve been. If you use an accounting program like QuickBooks you can print out a Profit & Loss statement showing year-to-date results. Check the statement for all financial transactions that occurred up to the date of the report. Reconcile the report to your bank statements. (If you dont use an accounting program or bookkeeping service, then take the difference of the total year-to-date cash receipts and total expenditures. This should equal your profit or loss.) Examine each line item to make sure that it makes sense is your year-to-date revenue figure where you anticipated, or has it fallen short? Are expenses higher than expected?
Bookkeeping Business Tip #2: Establish Goals and Incorporate into Your Forecast
What do you wish to accomplish by years end? Do you want to introduce a new product or service, increase revenue on existing products or services, decrease spending, hire a new employee, outsource a bookkeeping service, or launch a marketing campaign that will position the company for the beginning of next year?
Write out your objectives and then choose three to five which are the most important to accomplish by the end of the year. Determine the needed steps to achieve the objectives. Which Profit & Loss line items will be impacted? Adjust your forecast accordingly. For example, your goal may be to increase revenue 10% by years end or to launch a marketing campaign now so its benefits will be felt in the first quarter of 2009.
Bookkeeping Business Tip #3: Forecast Variable Costs
Variable costs are costs that change in step with revenue change. For example, you are selling more widgets; therefore, your labor costs and materials costs will increase in relation to the revenue increase.
Using the concept that Forecast = Projections + Predictions, combined with the knowledge that variable costs change in step with revenues, forecast each months variable costs. Forecast each line item separately. Look for opportunities to reduce costs, and be aware of likely future influences on each cost.
Bookkeeping Business Tip #4: Forecast Fixed Expenses
Fixed costs are relatively stable costs that recur every month. Examples of fixed costs are rent, telephone and bookkeeping service fees. Forecast the months fixed expenses by using the same concept used to forecast variable costs (Forecast = Projections + Predictions) and the knowledge that fixed expenses tend to be relatively stable and do not change in step with revenues. Again, forecast each line item separately, looking for opportunities to reduce costs, while keeping in mind any likely future influences.
Bookkeeping Business Tip #5: Forecast Net Profit
The final step is to evaluate your forecast for net profit. Is the profit forecast is reasonable and acceptable? If not, re-evaluate each line item including revenues and make appropriate adjustments. Also, anticipate non-operating income and expense items, and include them in your forecast.
Your financial projections may not be perfect at first, but we didnt learn to walk without falling down. As a business coach Ive seen others get a few bumps along the way. But I guarantee that if you follow these bookkeeping business tips, set your financial projections on paper and revisit them frequently, you will achieve your goals faster.
Financial forecasting, unlike the weather, isnt a science but its not pure guess work either. It is a combination of:
knowing your business;
understanding your marketplace;
setting goals; and
using common sense.
As a business coach, I know that every small business needs to make reliable financial projections at one time or another. Forecasting is critical during the following stages of a companys life span:
when seeking financing
gauging the profitability of a new product or service
determining the impact of staff expansion or cutback
assessing other business decisions
The many components of forecasting boil down to the following five bookkeeping business tips that for years Ive shared with business coaching clients:
Bookkeeping Business Tip #1: Review Actual Year-To-Date Results
Start by looking at where youve been. If you use an accounting program like QuickBooks you can print out a Profit & Loss statement showing year-to-date results. Check the statement for all financial transactions that occurred up to the date of the report. Reconcile the report to your bank statements. (If you dont use an accounting program or bookkeeping service, then take the difference of the total year-to-date cash receipts and total expenditures. This should equal your profit or loss.) Examine each line item to make sure that it makes sense is your year-to-date revenue figure where you anticipated, or has it fallen short? Are expenses higher than expected?
Bookkeeping Business Tip #2: Establish Goals and Incorporate into Your Forecast
What do you wish to accomplish by years end? Do you want to introduce a new product or service, increase revenue on existing products or services, decrease spending, hire a new employee, outsource a bookkeeping service, or launch a marketing campaign that will position the company for the beginning of next year?
Write out your objectives and then choose three to five which are the most important to accomplish by the end of the year. Determine the needed steps to achieve the objectives. Which Profit & Loss line items will be impacted? Adjust your forecast accordingly. For example, your goal may be to increase revenue 10% by years end or to launch a marketing campaign now so its benefits will be felt in the first quarter of 2009.
Bookkeeping Business Tip #3: Forecast Variable Costs
Variable costs are costs that change in step with revenue change. For example, you are selling more widgets; therefore, your labor costs and materials costs will increase in relation to the revenue increase.
Using the concept that Forecast = Projections + Predictions, combined with the knowledge that variable costs change in step with revenues, forecast each months variable costs. Forecast each line item separately. Look for opportunities to reduce costs, and be aware of likely future influences on each cost.
Bookkeeping Business Tip #4: Forecast Fixed Expenses
Fixed costs are relatively stable costs that recur every month. Examples of fixed costs are rent, telephone and bookkeeping service fees. Forecast the months fixed expenses by using the same concept used to forecast variable costs (Forecast = Projections + Predictions) and the knowledge that fixed expenses tend to be relatively stable and do not change in step with revenues. Again, forecast each line item separately, looking for opportunities to reduce costs, while keeping in mind any likely future influences.
Bookkeeping Business Tip #5: Forecast Net Profit
The final step is to evaluate your forecast for net profit. Is the profit forecast is reasonable and acceptable? If not, re-evaluate each line item including revenues and make appropriate adjustments. Also, anticipate non-operating income and expense items, and include them in your forecast.
Your financial projections may not be perfect at first, but we didnt learn to walk without falling down. As a business coach Ive seen others get a few bumps along the way. But I guarantee that if you follow these bookkeeping business tips, set your financial projections on paper and revisit them frequently, you will achieve your goals faster.
Friday, May 25, 2012
Best Tips On Financial Planning
People associate financial planning with professionals, and those in the financial fraternity. However, if they would take their time to go over what this is all about, then they would readily agree that financial planning is indeed for everybody. Financial planning is crucial for all people because in one or the other, we plan about finances, whether they are our finances, or our family's. One can enroll for a financial class, and the things that they learn can help them and go a long way in helping them in managing their finances. This is because in the world we are living nowadays, we all transact business, or go to banks for loans and other purposes, and if we do not know the basics of finance, then we are doomed. Whether you want to learn more about consolidating your loans, or about best credit rates, a financial planning course will equip you with all the relevant knowhow to help you make informed decisions.
To put it more simply, everyone is a financial planner. This is especially so because we all have financial plans, at one time or the other. A financial plan may include anything that we do expecting some form of material gain in return. They include investments, education, and so forth. Some people prefer to hire financial planners to work out their financial needs on their behalf. Much this is not such a bad idea, it is vital that one gets the basics and get equipped with the financial knowledge that can help them. Especially now that the world is being threatened with financial upheavals, it is only logical that we all are in a position to mastermind our own financial advancements. Thousands of people continue to lose their jobs, the workforce is changing, and unless one has the relevant financial tips to make the stay aboard, they may suffer a lot.
Alternatively, you can decide to become a financial advisor. This means that you become a financial expert, and the knowledge that you get will be used to help others make informed decisions. You could be the financial advisor to banks, companies, or any other institution that needs to keep in line with the happenings in the financial world. There are numerous colleges and universities from where you can learn and become a financial advisor. Companies are especially known to keep a close touch with the stock markets, and other financial events that are of significance to it. For example, before a company decides to sell its shares, or buy stocks in the stock market, it must seek the opinions of a qualified financial advisor. He helps them project future happenings, and analyze the market trends. Failure to consult such an expert in finances can see those posting huge losses, or undervaluing their shares. By pursuing financial planning, you are in a position to pursue other realms in the financial world. This is to say that once you become a financial planner, you can proceed to become a chartered financial analyst. This would see you being able to advise companies and even shareholders.
To put it more simply, everyone is a financial planner. This is especially so because we all have financial plans, at one time or the other. A financial plan may include anything that we do expecting some form of material gain in return. They include investments, education, and so forth. Some people prefer to hire financial planners to work out their financial needs on their behalf. Much this is not such a bad idea, it is vital that one gets the basics and get equipped with the financial knowledge that can help them. Especially now that the world is being threatened with financial upheavals, it is only logical that we all are in a position to mastermind our own financial advancements. Thousands of people continue to lose their jobs, the workforce is changing, and unless one has the relevant financial tips to make the stay aboard, they may suffer a lot.
Alternatively, you can decide to become a financial advisor. This means that you become a financial expert, and the knowledge that you get will be used to help others make informed decisions. You could be the financial advisor to banks, companies, or any other institution that needs to keep in line with the happenings in the financial world. There are numerous colleges and universities from where you can learn and become a financial advisor. Companies are especially known to keep a close touch with the stock markets, and other financial events that are of significance to it. For example, before a company decides to sell its shares, or buy stocks in the stock market, it must seek the opinions of a qualified financial advisor. He helps them project future happenings, and analyze the market trends. Failure to consult such an expert in finances can see those posting huge losses, or undervaluing their shares. By pursuing financial planning, you are in a position to pursue other realms in the financial world. This is to say that once you become a financial planner, you can proceed to become a chartered financial analyst. This would see you being able to advise companies and even shareholders.
Bible Verses on How to Face Financial Crisis
Everyone in this world has their own needs, desires and expectations. Nowadays, the need for food, clothing, shelter, education etc has become the basic needs of any human being. Money plays a vital role in meeting some of our needs. The Bible says in Proverbs 22:7, "The rich rule over the poor, and the borrower is slave to the lender", everyone one of us compete and struggle hard to become rich and meet all our desires and needs. No one wants to be a borrower or a slave of somebody. We worry about our life when we make wrong plans, ideas and decisions. When things go wrong, we run out of money and lead our life to unsatisfied needs.
When you do not have a sufficient income, you may have to put back some of your needs. When you do so, you regret about your life, blame others for your situations and become completely broken. Not all of us have the confidence to fight against our incapability's. But the Bible says in Matthew 6:28-30, "And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. Yet I tell you that not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you-you of little faith?" We lose our hope and think that everything is gone. We forget to battle against our inadequacy and bring home the bacon.
God would have blessed you with food and saved you from poverty. But still, not many of us are happy with what we have. We compare ourselves with others and say that we always lack something and lose our peace and happiness. Hence Matthew 6:31-33 says, "Do not worry, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?' For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well."
Many of us forget that God is our Father and He knows all our needs. He knows your heart and your expectations. He will serve you with the right need at the right time. He will never allow your to suffer and live in sorrow. Hence God asks us all to stop worrying in Matthew 6:34, "Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Stop worrying and think about how to overcome your crisis.
Whenever you are in trouble, no matter what need you may have, a financial need or any urgent need, remember God is always there to answer your prayer. As we read in Philippians 4:6-7 "Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus." Let us keep all our needs and anxieties on God. He knows what is good and bad for you and He will grant it to you.
You may worry sometimes why you are empty handed and always occupied with unsatisfied needs. You may think that God doesn't care about people like you who are righteous, truthful and humble. Remember those sorrows and troubles are trying to test your faith and hope in God. 1 Corinthians 10:13 says, "No temptation has overtaken you except what is common to mankind. And God is faithful; he will not let you be tempted beyond what you can bear. But when you are tempted, He will also provide a way out so that you can endure it." Our God is a loving God and He will never let you struggle alone.
When you are in any type of crisis, remember this wonderful verse and overcome all the struggles of life. Philippians 4:12-14, "I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength. Yet it was good of you to share in my troubles." God will give you the strength and courage to face all crisis and overcome them. He will provide you with sufficient knowledge to plan and make the right decisions.
If you have put in all your efforts and still you are unsuccessful, then "Cast all your anxiety on him because he cares for you" as we read in 1 Peter 5:7. He will deliver you and will bless you abundantly with all your needs. God is your shepherd, you will lack nothing.
When you do not have a sufficient income, you may have to put back some of your needs. When you do so, you regret about your life, blame others for your situations and become completely broken. Not all of us have the confidence to fight against our incapability's. But the Bible says in Matthew 6:28-30, "And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. Yet I tell you that not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you-you of little faith?" We lose our hope and think that everything is gone. We forget to battle against our inadequacy and bring home the bacon.
God would have blessed you with food and saved you from poverty. But still, not many of us are happy with what we have. We compare ourselves with others and say that we always lack something and lose our peace and happiness. Hence Matthew 6:31-33 says, "Do not worry, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?' For the pagans run after all these things, and your heavenly Father knows that you need them. But seek first his kingdom and his righteousness, and all these things will be given to you as well."
Many of us forget that God is our Father and He knows all our needs. He knows your heart and your expectations. He will serve you with the right need at the right time. He will never allow your to suffer and live in sorrow. Hence God asks us all to stop worrying in Matthew 6:34, "Therefore do not worry about tomorrow, for tomorrow will worry about itself. Each day has enough trouble of its own." Stop worrying and think about how to overcome your crisis.
Whenever you are in trouble, no matter what need you may have, a financial need or any urgent need, remember God is always there to answer your prayer. As we read in Philippians 4:6-7 "Do not be anxious about anything, but in every situation, by prayer and petition, with thanksgiving, present your requests to God. And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus." Let us keep all our needs and anxieties on God. He knows what is good and bad for you and He will grant it to you.
You may worry sometimes why you are empty handed and always occupied with unsatisfied needs. You may think that God doesn't care about people like you who are righteous, truthful and humble. Remember those sorrows and troubles are trying to test your faith and hope in God. 1 Corinthians 10:13 says, "No temptation has overtaken you except what is common to mankind. And God is faithful; he will not let you be tempted beyond what you can bear. But when you are tempted, He will also provide a way out so that you can endure it." Our God is a loving God and He will never let you struggle alone.
When you are in any type of crisis, remember this wonderful verse and overcome all the struggles of life. Philippians 4:12-14, "I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. I can do all this through him who gives me strength. Yet it was good of you to share in my troubles." God will give you the strength and courage to face all crisis and overcome them. He will provide you with sufficient knowledge to plan and make the right decisions.
If you have put in all your efforts and still you are unsuccessful, then "Cast all your anxiety on him because he cares for you" as we read in 1 Peter 5:7. He will deliver you and will bless you abundantly with all your needs. God is your shepherd, you will lack nothing.
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