|
|
| (22 intermediate revisions not shown) |
| Line 1: |
Line 1: |
| - | Mortgage Protection easing your biggest concerns.
| + | Joy unspeakable, is indeed the fruit of the Holy Spirit. Joy is the second mentioned, out of nine fruit of the Spirit, (Gal 5:22). It is the very nature of the Holy Spirit. A person who has the Spirit within him surely has the joy of the Holy Spirit. It is an evidence of the presence of the Spirit within an individual. Joy of the Lord is an inner feeling of pleasure and delight that cannot be attributed to any happenings or circumstances around you, but to the relationship one has with the Spirit. It is an assurance of God's presence with you no matter the circumstances. It is what keeps you going when the storms of life are raging. |
| | | | |
| - | OK, now you have a lovely new home and with a lovely new mortgage is come by it. With the common mortgage advance standing at around 150,000 it is a long-term commitment to settle a lot of money. A fair slice is also taken by the repayments out of your monthly income.
| + | Sometimes, people confuse joy in the Spirit with happiness. Happiness results from attainment of what one considers good, but the joy of the Spirit results from an in-filling of the Holy Spirit. Happiness is characterized by good luck or fortune. This means that when there is misfortune, happiness disappears and misery sets in - it is momentary. |
| | | | |
| - | What could fail with your financial arrangements and can you hedge your bets by protecting against the risks? All things considered you have a family to protect.
| + | However, this is not the case with Christian joy; even when there is a misfortune, the person is still joyful. Certainly, the person acknowledges the mishap but is not moved or discouraged by it. Joy in the Spirit boosts one's resilience. |
| | | | |
| - | Many people would determine 5 main areas of concern, which boil down seriously to your ability to maintain the mortgage repayments:
| + | Joy of the Spirit is first secured by accepting the Lord Jesus as your saviour. At salvation, you are filled with the Holy Spirit and you receive the joy of the spirit, (Rom 5:11, Psalm 51:12). Subsequently, we are refilled repeatedly by dwelling in God's presence (Psalm 16:11), in praise and worship (Psalm 22:3), in the study of the Word (Jer 15:16) and in having fellowship with brethren (Matt 18:20). When the Spirit has more control over you, you will experience more of the Christian joy. Dwelling in God's presence makes you to become more conscious of God, of His power, love, nature, etc., and in the process you are filled with His Spirit. |
| | | | |
| - | Interest levels may increase and make the monthly repayments unmanageable
| + | There is so much to benefit from being filled with the joy of the Spirit. One of which is that you are strengthened (Neh 8:10). At times, the road may be steep, rough, crooked and the destination far; the joy of the spirit enables you to overcome all odds and to reach your destination. Furthermore, Christian joy replaces mourning in one's life (Isa 61:3). You will not sorrow like them that do not have hope. In addition, joy in the spirit ensures fruitfulness and abundance (Joel 1:12) because it is only with joy can you receive answers and directions from God (Isa 12:3). |
| | | | |
| - | You might loose your job
| + | In the scriptures, character examples have been written down for us to follow and emulate. One example is Joseph, who had a dream where he was superior to his parents and siblings but he had to go through slavery and prison before realising his dream. The Christian Joy he had enabled him to help the two employees of Pharaoh who had dreams in prison and were sad because they could not interpret their dreams. Joseph's willingness to interpret their dreams despite his situation led to his freedom and realisation of his dream (Gen 40, 41). |
| | | | |
| - | You could be required to take some time off function with disease or accident
| + | The joy of the Lord is the conqueror's backbone. It is a characteristic of those that trust God. The joy of the Lord guarantees victory over the challenges of life. As fish cannot survive outside water, so also, a child of God cannot survive without joy: the fruit of the Spirit. It is available even now. |
| - | | + | |
| - | You could become permanently unable to work through accident or very serious infection
| + | |
| - | | + | |
| - | You could die before the mortgage is repaid.
| + | |
| - | | + | |
| - | The financial industry is loaded with pretty intelligent people so it will come as no real surprise to discover that you can find financial products to greatly help with all these risks. | + | |
| - | | + | |
| - | If you wish to reduce the danger of rates of interest rising to unaffordable levels, you must have discussed these issues with your mortgage adviser. He will then have told you about fixed and assigned interest rate mortgages. Since the name suggests, a rate mortgage fixes the interest rate you pay although with a given mortgage, the lending company wants to not increase your interest rate above a pre-agreed level. Both types of mortgage revert to the standard variable price after the fixed or given time finishes which is usually after three or five years, according to your lender.
| + | |
| - | | + | |
| - | Fixed rate mortgages are currently very popular accounting for 55% of new improvements and there are some very discounted prices around. The rate for capped rate mortgages is usually set at the outset above the equivalent fixed rates available but the rate you pay is gloomier than the fixed rates. In this context your rate of interest risk may be effectively controlled. Following the end of the protected period you will have the choice to re-mortgage and find yet another price protected deal. There are never any guarantees on the prices that'll be available but the mortgage market is very competitive, particularly for re-mortgages, and specific rate offers abound. It's a truly matter of knowing which lender to approach. You had be well advised to ask a large financial company to search out the best option choices when the time comes.
| + | |
| - | | + | |
| - | Concerned about paying your mortgage if you lost your work? Then you definitely require Mortgage Payment Protection Insurance - but know that in its simple form, this insurance is really only built to cover redundancy. In the event that you resign or are dismissed for gross misconduct your unlikely to be covered. The price? On the web you can expect to pay around 2.45 per 100 of monthly mortgage payment for an insurance policy which begins paying out thirty days after you have been made redundant and will pay out for as much as 12 months. You are sure to have been provided similar insurance by your bank or loan company but be careful, their costs are probably be two or 3 x greater for identical address.
| + | |
| - | | + | |
| - | Mortgage Payment Protection Policies may also be extended to cover the third part of problem you lose income through disease or accident. But before you run into this insurance you need to ask your company the length of time they'd keep on spending you if you were off work. Remember, you merely have to ensure for the time scale after your company stops paying. You would then get governmental illness pay, but the odds are you'll need that income for basic living costs. The price for this insurance? Well, on the web it will again cost you around 2.45 per 100 of monthly mortgage payment for a policy which starts having to pay after 30 days, However, if you combine condition, accident and unemployment address all into one policy you can currently get combined insurance for around 3.95 per month. The essential point to remember is that these policies will simply shell out for 12 months. Leading to the area of concern.
| + | |
| - | | + | |
| - | How would you pay your mortgage if you were not able to work again through a severe accident or critical infection? In this situation it's important to appreciate the truth of the chance. The insurance industry estimates that 1 in 5 men and 1 in 6 women experience a vital disease before their normal retirement age. Consider exactly what a heart attack at 40 will mean to your household finances, particularly if you have a mortgage with several years still to operate. For most, insurance is crucial.
| + | |
| - | | + | |
| - | The most effective choice is to organize insurance that absolutely repays the outstanding mortgage when you can not continue steadily to work. That at least eliminates one major worry. The insurance you'll need is known as Critical Disease Insurance but make sure complete and permanent disability address is included. This ensures that your mortgage is likely to be repaid if you're incapacitated through an accident. | + | |
| - | | + | |
| - | You should buy Critical Illness Insurance with decreasing address while the years pass by where in actuality the size of the commission decreases. This is great if you've a repayment mortgage every month where you're repaying the mortgage slowly. Decreasing address can be the lowest priced type of this Insurance.
| + | |
| - | | + | |
| - | The specific situation is different as the sum you owe your bank, remains constant, if you have a pursuit only mortgage. You certainly do not want the cover to diminish - therefore here you need Critical Illness Insurance with stage cover.
| + | |
| - | | + | |
| - | Just like all these insurances, there's always a twist to view out for. With Critical illness Insurance you always need to survive for the absolute minimum period following an accident or analysis of a critical illness. The plan won't spend, should you not. With most insurance firms the emergency period is 28 days although some have lowered this to 14 days.
| + | |
| - | | + | |
| - | Leading on if you had been to die what happens. Many lenders insist on Mortgage Life Insurance to settle your mortgage in a single lump sum. But, you do not want it if you are single and living alone. In these situations, if you'd die, your mortgage would be simply repaid by your estate by selling the property. For anyone else, Mortgage Life insurance is the mostly held form of mortgage security. Again it comes in a decreasing cover format for those with repayment mortgages and degree cover format to settle interest only mortgages.
| + | |
| - | | + | |
| - | All this insurance will not be cheap but you can find means of notably reducing the fee. Buy Protection Policy to a Mortgage Payment that combines accident, unemployment and infection address. Often that is called disability and unemployment cover. This may save about 2,000 to you. The least expensive method to buy Critical Disease and Mortgage Life Insurance is again to buy a combined plan. Here it is hard to be specific about the savings because the price will be strictly calculated all on your own personal details and health history - nevertheless, you can easily expect you'll save 20-25%.
| + | |
| - | | + | |
| - | The final bit of advice is shop around for the insurance. Your bank or building society will be absolutely delighted to arrange it but you'll pay top dollar. The Net is by far the least expensive way to buy all these insurances, especially if you use one of the several discounting brokers. You'll find these brokers in the event that you search under life insurance, cheap life insurance, life insurance rates or Mortgage Protection Insurance.
| + | |
| - | | + | |
| - | Opposition on the web is rife, so it's convention for these agents to cut commission and pass the savings back to you through lower payments. There are other factors you may need to take into account such as for instance whether to buy a with a Guaranteed Premium or even a Reviewable Premium. So that you are best advised to talk things over with a life insurance adviser. Ten minutes on the telephone by having an agent could avoid plenty of distress and save you more.
| + | |
| - | | + | |
| - | Be lucky, hold well covered, happy and fit! [ gjnaixiei ]
| + | |
Joy unspeakable, is indeed the fruit of the Holy Spirit. Joy is the second mentioned, out of nine fruit of the Spirit, (Gal 5:22). It is the very nature of the Holy Spirit. A person who has the Spirit within him surely has the joy of the Holy Spirit. It is an evidence of the presence of the Spirit within an individual. Joy of the Lord is an inner feeling of pleasure and delight that cannot be attributed to any happenings or circumstances around you, but to the relationship one has with the Spirit. It is an assurance of God's presence with you no matter the circumstances. It is what keeps you going when the storms of life are raging.
Sometimes, people confuse joy in the Spirit with happiness. Happiness results from attainment of what one considers good, but the joy of the Spirit results from an in-filling of the Holy Spirit. Happiness is characterized by good luck or fortune. This means that when there is misfortune, happiness disappears and misery sets in - it is momentary.
However, this is not the case with Christian joy; even when there is a misfortune, the person is still joyful. Certainly, the person acknowledges the mishap but is not moved or discouraged by it. Joy in the Spirit boosts one's resilience.
Joy of the Spirit is first secured by accepting the Lord Jesus as your saviour. At salvation, you are filled with the Holy Spirit and you receive the joy of the spirit, (Rom 5:11, Psalm 51:12). Subsequently, we are refilled repeatedly by dwelling in God's presence (Psalm 16:11), in praise and worship (Psalm 22:3), in the study of the Word (Jer 15:16) and in having fellowship with brethren (Matt 18:20). When the Spirit has more control over you, you will experience more of the Christian joy. Dwelling in God's presence makes you to become more conscious of God, of His power, love, nature, etc., and in the process you are filled with His Spirit.
There is so much to benefit from being filled with the joy of the Spirit. One of which is that you are strengthened (Neh 8:10). At times, the road may be steep, rough, crooked and the destination far; the joy of the spirit enables you to overcome all odds and to reach your destination. Furthermore, Christian joy replaces mourning in one's life (Isa 61:3). You will not sorrow like them that do not have hope. In addition, joy in the spirit ensures fruitfulness and abundance (Joel 1:12) because it is only with joy can you receive answers and directions from God (Isa 12:3).
In the scriptures, character examples have been written down for us to follow and emulate. One example is Joseph, who had a dream where he was superior to his parents and siblings but he had to go through slavery and prison before realising his dream. The Christian Joy he had enabled him to help the two employees of Pharaoh who had dreams in prison and were sad because they could not interpret their dreams. Joseph's willingness to interpret their dreams despite his situation led to his freedom and realisation of his dream (Gen 40, 41).
The joy of the Lord is the conqueror's backbone. It is a characteristic of those that trust God. The joy of the Lord guarantees victory over the challenges of life. As fish cannot survive outside water, so also, a child of God cannot survive without joy: the fruit of the Spirit. It is available even now.
