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Quito, Pichincha, Ecuador
I´m baptist missionary by faith with PMM Inc.,USA I'm married and with my wife Anita have four marvelous daughters. Our principal ministry is theological education. My passion is write, preach & teach about my Lord Jesus, around my country Ecuador, and Latin America. Dr. Joselito Orellana. DMin. PhD. Born in Ecuador, in Piñas City, province of El Oro Living in Quito, since 1985. Baptist Pastor's 18 years old. It missionary for Latin America Palm Missionary Ministries Inc, USA. It is involved in the ministries of higher theological teaching, pastoral training, church ministry, family counseling, literature, bioethics, and educational administration. Master's degrees (Colombia, Ecuador and Spain): Bible; Theology; Educative Management; and, Bioethics. Doctor of Ministry in Theology (DMin.) and Doctor of Philosophy in Theology (PhD) awarded by Vision International University, from Miami, FL-USA.

Friday, June 10, 2016

From ECCU Bank.

All the Financial Wisdom You Need Is in the Bible


May 20, 2016
You may be shocked to learn that most Americans spend more time shopping for a vehicle or planning a vacation than researching the investment choices in their retirement plans. Then again, picking a personal financial advisor doesn’t have to be an onerous task – and neither does getting solid financial planning advice.
If you’re just getting started with financial planning, need a midcourse adjustment or simply want inspiration to continue reaping the financial seeds you’ve been sowing, look no further than the Bible. You’ll find all the financial wisdom you need.
Think of the Bible as your Financial Planning 101 textbook. Many of the financial woes Americans face – crippling debt, retirement nest egg shortfalls, lack of progress toward savings goals – can be addressed by Biblically-based financial lessons.
Here are seven principles to guide you in discovering budgeting breakthroughs, getting out of debt, merging finances with your spouse and building other healthy financial habits.
  1. God Is the Source. Scripture is your invitation to receive God’s blessings, act as a wise financial steward of His riches and build a secure financial future. (1 Chron. 29:11-16). The more than 2,000 verses about money are there for a reason – here’s a summary.
  2. Give to Honor Him. Tithing, or the act of setting aside one-tenth of your income, is a systematic way of giving. (1 Cor. 16:2)
  3. Live within Your Means. By living within margins, you create space for things to happen – something too many Americans can’t do. (Prov. 22:26-27) The average household has $130,922 in debt — $15,762 of it on credit cards, according to NerdWallet.
  4. Make Saving a Priority. Setting aside a percentage of what you earn also is part of stewardship and will allow you to meet planned expenses – buying a car, sending kids to college or retiring comfortably – and unplanned, such as losing a job or facing major medical bills. (2 Cor. 12:14)
  5. Stay out of Debt. The Bible warns about the risks of going into debt. Although some debt enables you to attain goals, such as a student loan or a mortgage, most debt counters what God wants for you. (Deut. 15:6 and Ecc. 5:5)
  6. Be Content. Minimalism is emerging as an antidote for rampant consumerism and busyness. Well before the mantra to "use it up, wear it out, make it do or do without” emerged, Scripture outlined lessons for learning how to find contentment in what we have. (Heb. 13:5)
  7. Write It Down. Whether you take pen to paper, use financial planning software or record everything in a financial app, making – and sticking to – a budget allows you to allocate resources efficiently and build a financial plan. (Luke 14:28-30) You’ll find steps to creating a Biblically based budget here.
Although the Bible offers financial lessons for living year-round, spring is a great time to clean house and get your financial affairs in order. We’ve even prepared this how-to guide to help you. (Good news: No mop required.)

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