The close of the message on intangibles of greatness.
What’s your Friday (weekend) like?
It’s interesting to watch behavior of people when Thursday approaches. In fact my husband and I happened to be listening to MetroFM some few months ago and the day time show was talk about men who disappear from Thursday to Sunday to go “drinking” with the boys.
So many men called in with their stories and how weekends is time for the boys and their wives must just know that and deal with it.
The difficulty I have with this behavior is that Monday to Friday you are at work from 6-6pm in the rat race, so when do you spend quality time with your family if you are out most of the weekend drinking with the boys?
When do you participate and be present with the kids? When do you show affection to your wife and spend time listening to her stories when the kids are asleep? Most importantly who keeps her company when you are gone to be with the boys?
This behavior often leads to many problems such as drinking and driving; infidelity (because often where the boys are, the girls are too) and confused children.
I like this scripture by Solomon:
“Let your fountain be blessed, And rejoice with the wife of your youth. As a loving deer and a graceful doe, Let her breasts satisfy you at all times; And always be enraptured with her love.” (Proverbs 5:18-19 NKJV)
Where is you free time going to? It should go to your family and your wife.
Spend the weekend with family and go for date nights with your wife. Give your family the best of you.
Until next week then…
On behalf of Impact leaders Church, we categorically and emphatically denounce the current wave of Xenophobic rhetoric and violence occurring in South Africa. We refuse to be a church that buries it’s head in the sand, and ignores issues affecting the society, God has sent us to minister to. Our position is not to be in denial nor to debate the merits of this blatant abhorrent behaviour we are witnessing.
Our position as a church, is firstly to acknowledge that this is not a state sponsored operation, it is not backed by legislation, Government policy publicly stands against it. Secondly we would like to acknowledge the efforts of the Police to keep maintaining the peace and responding to the calls of affected communities.
Thirdly we would be remiss, if we fail to acknowledge that the xenophobic perspective is not one shared by all South Africans, in the middle of this situation, there are many progressive South Africans who denounce these acts. Above all we stand with every foreign national affected, directly or indirectly, those displaced or dispossessed and those wounded or killed by this wave of ignorant violence.
We are not politicians, we are Christians, and in all we do, we look to the word of God to guide us. At this time we take our que from Daniel, in terms of how he responded to something negative occurring in Babylon:-Daniel 6: 10 Now when Daniel learned that the decree had been published, he went home to his upstairs room where the windows opened toward Jerusalem. Three times a day he got down on his knees and prayed, giving thanks to his God, just as he had done before.
Therefore we look beyond the perpetrators and understand that there is definitely an intense spiritual battle in the heavens concerning South Africa. Every week there is something negative being reported, from corruption, to fights in Parliament, to load shedding, to xenophobia, to racial tensions, to freak car accidents, to the rand sliding, to shootings in malls, homes etc, there is definitely an intense spiritual battle concerning South Africa and we strongly believe what the Apostle Paul said in Ephesians 6:12-13 For we wrestle not against flesh and blood, but against principalities, against powers, against the rulers of the darkness of this world, against spiritual wickedness in high places.13 Wherefore take unto you the whole armour of God, that ye may be able to withstand in the evil day, and having done all, to stand.
A key part of leadership is not to be silent, but to speak against injustice. We stand with all foreign nationals affected, the government of South Africa and all other South Africans who stand against Xenophobia. We speak against those who commit these acts, carry these sentiments or go on public platforms to incite this base level of thinking. We pray for peace and believe in the dreams and visions Nelson Mandela had for a rainbow nation.
We are better than this and will rise from this.
Pastor Israel Phiri
You know Proverbs 13:22 says that “A good person leaves an inheritance for their children’s children, but a sinners wealth is stored up for the righteous”.
Well this scripture is a popular one and God just made me think more about what we can practically do now to ensure that we leave an inheritance for our kids and our kids’ kids.
Many people think they have to make $$$ first (well at least some serious money) to be able to leave an inheritance for their kids. God just highlighted to me that this is not so, everyone can start at their own level.
For instance in South Africa the government is trying to instill a mindset of saving as it seems we are die-hard consumers who only care about the NOW. they have created a tax-free product where each person can invest a maximum of R30,000.00 p.a (and up to R500,000.00 in total) without being taxed on the returns or gains. For a non saver – this should be a dream.
This got me thinking, if you were to invest a minimum of R420 per month (totals R5000 p.a) for your child, all the capital gains for them would be tax free (up to R30,000.00 p.a and R500,000.00 in total). So I did a bit of research on whether R420 per month can make a difference in my childs life…afterall R420 is the price of my monthly hairdo, what can it really do…
Here is a story from www.satrix.co.za website, that really got me thinking about the power of compounding. I hope it does the same for you and makes you to act now to start saving for your child, no matter how small or big the monthly amount it. In order for you not to use the money, I would open it in my kids account with a trusted financial institution (unit trust are usually good at this with any of the reputable life insurer). Be sure you get professional help of Financial Advisor should you wish to do this. They can work you through process and its really easy as setting up a debit order for your kids. Sure it means you may have to give up that fancy hairstyle or those nails etc, but it sure is worth it. You are investing in your kids future. START today!
It is the start of another year and as your children head back to school you know all too well that you are in for a year of hefty fixed expenses, aka school fees. We all know we should be saving, whether it’s for retirement, education or that proverbial rainy day and as adults, we often believe we’ve missed the boat, and feel we can put it off a little while longer. But there is no greater gift you can give your children than teaching them to save for their future. At the same time you’re teaching them about the crucial importance of starting a savings plan from a young age, says Helena Conradie, chief executive officer at SATRIX.
“The earlier they start, the more capital they are likely to accumulate over a lifetime,” says Conradie. “Even small amounts put away now can make an enormous difference years from now.”
There are also several unintended, but positive consequences of showing your children how to save:
It will teach them discipline. By setting up a debit order for them, they will learn about the importance of a recurring commitment. In a world of instant gratification this may be a difficult, but necessary lesson to learn. Putting in place good habits when your children are young will help to reduce anxiety in early adulthood.
They will learn about financial markets. Like it or not, everything revolves around money. Despite the bad rap that financial institutions sometimes receive, they are still the allocators of capital and through investment in the stock markets, they allow the man in the street access to returns far exceeding those of bank accounts. By being in the market from a young age, children become comfortable with the ups and downs of financial markets.
They will learn about the power of compounding. You’ve probably heard this many times before. To illustrate how important it is when you start saving, as opposed to how much you save, consider the following three scenarios:
Luke’s parents started saving R5000 per year for him when he was five years old. When he was 15, they stopped contributing but encouraged him to let the investment grow until he was 30.
Fatima’s parents contributed R5000 per year from age five to 30 (lucky girl!). Thembo’s parents started investing for him when he was 15 and contributed up to the age of 30.
The following graph shows which scenario delivered the best return through compounding, and clearly shows that starting early is far better than starting late:
What type of return is achievable?
Over the past five years, the FTSE/JSE Top 40 Index has provided in excess of 16.5% per year. An index-tracking fund such as SATRIX 40 will provide a similar return – since it tracks this index. “It is important to remember, however, that past performance is no guarantee of future returns. When we did our calculation in the example above, we made the assumption that the money invested grew at 10% per year,” says Conradie.
How to invest for your children
You know you need to save for your kids, but where do you start? The simplest place is with an index-tracking fund. There are several stock market indices to choose from and you can invest as little as R300 per month or a lump sum of R1000. You can invest online at www.satrix.co.za.
“You can open the investment in your child’s name. As the parent, you will need to sign all instruction forms until your child reaches the age of 18. From then on, they can sign all instructions, provided they have sent their FICA documents to SATRIX,” says Conradie.
Children and income tax
Believe it or not, minors (children under the age of 18) pay income tax. If an investment is in the name of the child, and the income is more than the annual tax-exempt amount, the child must register as a tax payer and submit a tax return.
If you keep your children’s investment in your own name, you will be liable to pay the tax on income at your marginal tax rate. Essentially, this is your investment until you give it to the child, at which point it becomes a donation, which may have other tax implications.
“Starting to save right away isn’t going to pay this year’s school fees but in years to come, whether your children want to study robotics in France or Project Management at Wits, you’ll be glad you started saving for them at an early age. And so will they!” says Conradie
God Bless You,
1 Thessalonians 5:17: Pray Without Ceasing
The number one weakness in the church in the 21st century is Prayerlessness. The amount of Christians who are struggling to build a personal prayer altar is frightening. Without prayer you have nothing. There is no depth, no substance no power in your life when you are prayerless. It’s not easy to develop a personal prayer altar, but it is an imperative for success in the Kingdom of God.
Here are 7 Things Which Prayerlessness Reveal .
1. Reveals your lack of God focus. When your prayers are low it shows you are too distracted. Anything that has your attention which is not God, is limiting your progress.
2. Reveals lack of wisdom. The fear of the Lord is the beginning of all wisdom. Prayer is an act of wisdom, lack of prayer is a sign of a wisdom deficiency. A wiseman is a praying man.
3. Reveals lack of desire for higher things. The Higher things of God can only be accessed by prayer. Until you desire them with all your might, your prayer life will not grow.
4. Reveals lack of understanding of the weighty things of God. There are things in the Kingdom of God which are known as the weighty things of God. These are things God expects us to prioritise. Prayer is a weighty thing, prioritise it.
5. Reveals demonic domination over you. Anytime you are in a prayerless season, there is definitely a demonic power that is at play. Do not allow it dominate you, by killing your prayers.
6. Reveals the lordship of the flesh over you. There are 3 kingdoms at play in your life, The Kingdom of God, The kingdom of satan and The kingdom of self. The deadliest one which kills your prayer life is the kingdom of self. The king of the kingdom of self is the flesh. When you do no’t pray, its’ a sign that your flesh is the lord of your life. Dethrone it by prayer!
7.Reveals what you treasure. You have to see prayer, as a priceless treasure. You have to treasure prayer more than silver and gold in order to develop your prayer life. When prayer becomes your treasure, prayerlessness disappears.
In this season, breakout of prayerlessness. Seek God in prayer everyday!
God Bless You,