23 October 2016

Stock Market Focus: After the Election Watch These 4 Key Things!

Posted in Market News & Events

What is the market going to do after the election?

This is the question of which everyone wants the answer and the answer is nowhere to be found. As we know with all things in our financial markets, there are many opinions but of course when we’re talking about future events, all opinions are speculative at best.

From what I’ve read of the presidential candidates, there are four key areas of our financial markets that will be affected as a result of our upcoming election. They are international business relations, health care, taxes and consumer discretionary (optional) spending. Here’s a few points to consider on these four areas.

With a republican presidential win, we should keep our eyes on the implementation of international agenda items from Trump. If he honors his promises to reform international trade by withdrawing from the newly signed Trans-Pacific Partnership, renegotiating NAFTA (North American Free Trade Agreement) and other seemingly impactful measures, this is likely to cause a negative impact to our international trade relationships. In this case it will be noticed mainy by large cap US companies since they are more likely than mid and small cap companies to have multi-national operations.

Based on campaign promises from both Hillary Clinton and Donald Trump, there will be adjustments of some kind to the Affordable Care Act. As with the 2010 implementation of this health care reform, many health care business including insurance providers, pharmaceutical and medical device companies will be impacted by any changes that are made to this health care law. The implementation of this act caused an increase in the healthcare market sector. The nature of the next reform changes will dictate the overall effect of the stocks that comprise this market sector.


Both candidates are communicating somewhat vague plans about what they are proposing to do about taxes. One thing for sure is that tax reform is one of the subjects on the table as it is for every presidential election. If the wealthy are taxed more, consumer spending could decrease. In opposition to this, a tax cut could increase consumer spending. In a related conversation, higher minimum wages could eat into the profits of restaurants and retailers whose workforce is likely to be made-up of workers at this earning level.

Spending for indulgence and non-essential extras will be impacted if there is less money brought into the household or if there are price increases on necessities. This is the reason to be aware of potential tax and interest rate changes that come as a new US president takes office.

Again, no one truly knows how our financial markets will react to our 2016 presidential election. Watching the key areas discussed here will keep you on your toes and having a better understanding of post-election changes that we see in our US financial markets.

Stay tuned!

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17 October 2016

Free FICO Credit Scores from Discover - Even if you don't have their credit card!

Posted in Credit Management

At the suggestion of the Consumer Financial Protection Bureau, many major credit card issuers have made FICO scores available to their customers at no charge. This has been a great thing for us as consumers as FICO is still by far the credit score that is most used by lenders.

In May of this year Discover did a new and even better thing. They made free FICO credit scores available to everyone – even those that do not carry a Discover credit card! These free scores are available via CreditScorecard.com. This offering helps to create a level playing field for all consumers in the area of access to free FICO credit scores.

To get access to your free FICO score, you can simply setup an account at CreditScorecard.com. You will be asked to provide personal information including your social security number while also answering individualized questions that will help in validating your identity. You will then have access to your 3-digit FICO credit score along with helpful information about how your score ranks and FICO score improvement tips.

If you don’t have free access to your FICO credit score through a card issuer, sign-up with CreditScorecard.com today. Answer the call to be above only and not beneath in your finances by being financially aware and financially credible.



17 October 2016

Pre-Election Stock Market Focus #4: What the market is doing in 2016 (thus far!)

Posted in Market News & Events

In continuing to examine our pre-election focus on our financial markets, let’s take a look at where our key stock market indices are today and look back at how they measured at the first of this election year. We’ll also make note of the all-time highs for each of the major indices – The Dow, S&P and the NASDAQ. This chart does just that!

This chart shows the following pair of interesting facts:

1. The Dow, S&P and NASDAQ are all trading higher today than they did at the beginning of the year.

2. The Dow, S&P and NASDAQ set new all-time highs in 2016. These new highs have been in the record books for just over 60 days.

With all-time high records being set on all three indices, there is a high likelihood that there will be a market pullback in the future. All-time highs often result with a pullback and a market ""running start" before the next all-time high mark is hit. We are seeing that now as there has been a decrease in the index values since the Summer 2016 high values.

We’re still doing a pre-election focus on our financial markets. Stay tuned for more!


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15 October 2016

6 Key Biblical Money To-Do's for Couples

Posted in Challenges / Call to Action

The Marriage Talk Show

We all sometimes need reminders to do things that are best for us. While appearing on the October 8, 2016 episode of The Marriage Talk Show, I shared with the listners 6 Key Biblical Money To-Do's for Couples.

It was fun to be in the studio with the show hosts Ralph and Shelia Green and hearing from listeners that called in with comments and questions.

Missed the show? Listen to the show archive here. Choose the 10/08/2016 episode.

A downloadable resource guide was available for listeners that requested it via a text message. You can also get the resource guide here!




10 October 2016

50 Small Businesses That You Can Start On Your Own

Posted in Challenges / Call to Action

Not ready to quit your day job? Try one of these side business ideas.

Here's an article that I found interesting and I know that you will also. It is published courtsey of The Simple Dollar.

Click the link below.


50 Small Businesses That You Can Start On Your Own

09 October 2016

3 Pre-Election "To-Do's" that all Christians Should Know About

Posted in Market News & Events

As we focus on the pre-election conditions of our financial markets, note that this is just an exercise of education and awareness. I want to emphasize that for those that believe in the almighty God and His son Jesus, there is no worry, fear or concern for what will come as a result of the presidential election. This is because we know what biblical truths tell us when it comes to people of leadership and God’s sovereignty when it comes to the state of His nations.

His word says that He is with us always and I rest in that truth. He also gives us instructions to follow when it comes to the leadership and authority over us. Using those instructions, this pre-election (and post-election) to-do list is one that all Christians should adopt.

1. Pray for those in authority.

Pray Election

Therefore, I exhort first of all that supplications, prayers, intercessions, and giving of thanks be made for all men, for kings and all who are in authority, that we may lead a quiet and peaceable life in all godliness and reverence.

1 Timothy 2:1-2 NKJV

Election time is a great opportunity for us to practice what he has commanded us to do by praying for those in authority. God responds to our requests when we ask with a sincere heart. No matter who wins the election, as Christians we have a responsibility to pray for them. We will pray and ask God to give them counsel, guidance and instructions as needed to lead the nation over which they are appointed. I believe in my heart that if we sincerely pray this, our leaders will hear from God. That does not mean that they will follow the instruction (honestly, I’m also guilty of this failing) but no matter how it happens, I believe that His will be done on earth as it is in heaven.
Pray for those in authority.

2. Come under the authority that is governing you.

Let every soul be subject to the governing authorities. For there is no authority except from God, and the authorities that exist are appointed by God.

Romans 13:1 NKJV

This one was once very hard for me. I remember my mid 20’s, at work being less than the desirable employee for a boss that was… hmmmm… I’ll say less than competent in their current assigned position. (That’s much better than I said it then!) After being somewhat of a pain to my boss with my verbal and written corrections to what I deemed as mistakes and oversights, the Holy Spirit directed me to the bible book of Romans chapter 13. After reading the entire chapter, I was in tears as I realized that I was doing just the opposite of His word instructs us to do. Took me a bit to swallow my pride and “be subject” to the authority but I did immediately stop pointing out corrections and worked to get on God’s program for being an employee that represents my faith. I eventually became the biggest supporter for my boss for the remaining time that we worked together.

These days I often see a blatant disrespect for our national leaders. I see this in the national media as well as from individuals in social media. I must say is disheartening. Even if the leader is operating in a way that does not command respect, as Christians we should continue pray for them. Because God is the judge and He puts one down and exalts another, I trust that the leader will be removed in due time if their undesirable behavior continues. Resist the urge to join the campaign of disrespect. Follow His instruction and come under the authority of those that are governing you.

3. Know that our country is blessed!

US Flag election

Blessed is the nation whose God is the Lord,
The people He has chosen as His own inheritance.

Psalms 33:12 NKJV

As long as we continue to follow Christian practices of faith, our nation will continue to be blessed. No presidential or congressional political affiliation can change that. The election is important but it has little bearing on what the Lord has in store for you and your family. My God’s promises are true – even if there is a president in office that speaks differently. Know this and believe this. Our country is blessed – even if the financial markets don’t look favorable. Avoid the political rhetoric that is certain to become more apparent and more distracting.
Make sure that you do fall in line with these 3 must-do steps:
1) Pray
2) Vote
3) Pray

Stay tuned here with Money reVerse. I’m believing that we all will prosper financially in unexpected times. God has chosen the foolish things of the world to put shame to the wise. I’m down with that! I’m believing that each of us will be able to prosper financially in the markets in unexpected ways.

There’s more pre-election market watch coming. Just needed to ensure that our mental and spiritual positioning on this topic is stabilized.

Until next time!


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06 October 2016

The Show Starts in 24 hours. Make plans to join me!

Posted in Events / Engagements

The Marriage Talk Show

I’m excited to join Ralph and Shelia Green as they host The Marriage Talk Show, a weekly Christian radio show on the Fishbowl Radio Network. On this week’s show we will talk all things marriage and money.

Ralph and Shelia are armed with a passion for empowering couples in an effort to end the trend of increasing divorce rates in Christian marriages. They focus on teaching couples to become one in God in their marriage. This week’s topic: Money. We promise that every listener will be encouraged and walk away with information that can lead to transformation In the way you handle money. I’m excited to join the show this week and I’d love for you to join us by listening and calling in to be a part of the discussion!

The show airs every Saturday from 9 AM – 11 AM Central Time and I will be an in-studio guest on 10/8/2016. You can listen to the show in the “red” stream at www.fbrn.us. Call into the show by dialing 214-717-4678.

Looking forward to having you join us in the discussion!


02 October 2016

Join me! I'm a guest on The Marriage Talk Show!

Posted in Events / Engagements

The Marriage Talk Show FBRN

I am honored to be a guest on The Marriage Talk Show this week. The show brings exciting viewpoints and biblical truths about marriage on the Fishbowl Radio Network. The dynamic hosts of the show are Ralph and Shelia Green. I’m excited to join this dynamic team as they minister and encourage in a powerful way each Saturday morning.

According to the National Survey of Families and Households Center of Demography, the state of financial well-being and level of marital satisfaction are highly linked. I will join Ralph and Shelia on Saturday October 8th and we will be talking all things marriage and money. I can hardly wait!

Join me!


02 October 2016

Election Year Stock Market Watch: What Happened in the Past Elections?

Posted in Market News & Events

Historically, the performance of our US stock markets has been watched, measured, feared and cheered every election year. While the past may be interesting and helpful in understanding the whole picture of our historical election year returns, it can’t be viewed as the way that things will go tomorrow. Make no mistake, the election year market returns history is definitely a great place to start in watching the markets during this election cycle!

In November of every election year, three major leadership decisions are being made by American voters. We decide on our US President, Vice President and the US Senate. History shows us that as there are shifts in the political party among the President/Vice President team we see downward trends in the gains of the S&P 500 Market Index. Taking the last 5 elections into account, the following chart shows a 20-year post-election market performance trend.

Election year S&P Returns

This chart shows that when the incumbent president party won the election there was an upswing in the S&P 500 for the year. There was an S&P 500 loss for the year if the incumbent presidential party did not prevail. If this trend carries over to the 2016 election, we will see a 2016 market upswing with a Clinton victory and a market downswing with a Trump presidential win.

Why is the S&P 500 used as a market benchmark?

The Standard and Poor’s 500 is a market index of 500 of the largest publicly traded US companies. These companies represent all market sectors. The 10 major market sectors are Basic Materials, Consumer Discretionary, Financials, Consumer Staples, Healthcare, Utilities, Telecom, Energy, Industrials and Technology. Every stock traded in the US falls within one of these sectors and the S&P 500 is comprised of a good mix of all of these areas. Although there are arguments against this theory, many analysts feel that the S&P 500 is a good benchmark of the overall health of our US financial markets.

Again, past performance is not necessarily a glimpse into tomorrow’s reality. As we focus on stock market performance in an election year, looking at what happened in the past election years is a crucial step in establishing a baseline as we get closer to our 2016 presidential election.

Stay tuned. There’s more to come!


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11 September 2016

Happy Labor Day and 401k Day!

Posted in Savings

Happy Labor Day and 401k Day US Flag

For one week every fall, we begin the week with Labor Day and end the week with Retirement!

Labor Day is a familiar day to us. What may be unfamiliar is that the Friday after Labor Day is deemed 401(k) day according to the Plan Sponsor Council of America (PSCA). This organization is committed to promoting the use of profit sharing, 401(k) and other savings and incentive programs by increasing awareness of their benefits to business, employee, government, media, and the academia communities. This organization is driven by the belief that corporate savings and incentive programs strengthen the free-enterprise system, empower and motivate the workforce and improve domestic and international competitiveness.

Participating in company sponsored savings plans like a 401(k) or 403(b) (for non-profits) is a great way to get retirement savings automated and consistent. Participating in these plans involve making an election to have a percentage of your wages automatically deferred and redirected to your retirement savings account. Many organizations provide a matching contribution for funds that are saved by the employee which is a great partnership to help you to grow this fund more quickly! 401(k) day is organized to remind everyone to begin or increase their commitment to saving for this latter season of life.

Take advantage of your company offerings!

According to a March 2015 National Compensation Survey conducted by the US Department of Labor only 64% of individuals that have access to a company sponsored retirement plan are making the choice to participate. Of this 64% of participants there is a higher adoption rate for state and local government workers than those in private industry. If you are currently not participating in a retirement savings plan available to you, the key takeaway here is to get started today!

Retirement in the Bible

Retirement as we customarily envision it is not a concept that is directly promoted in the bible with one exception. The exception is the instruction given to Levites to withdraw from the tent of meeting services when they reach age 50 (Numbers 8:23-25). The concept here and in other biblical passages is that the Lord has called each of us to a work and he will give us the strength to do the work to which we are called. While this is true, it is expected that as the body grows weary, the work should become easier to better match your physical capabilities.

In our practical lives, retirement is a time in which the work that we do becomes easier and not as demanding. For most of us, this will be accomplished as we withdraw from or reduce the amount of time we spend in corporate career and entrepreneurial activities. In preparation for this time, we should save money during the working years for this season of life. With this in place, the demand for the income that comes from corporate or self-employment should be reduced. This is the goal!

How much of your earnings should you save for retirement?

How much of your earnings should you save for your retirement? The specific answer is one that will be determined as a part of an individual retirement needs assessment exercise. No problem if you haven’t completed such an assessment! When participating in your company sponsored plan, all that is needed is for you to determine a percentage of your gross income that is to be deferred and redirected to retirement savings. Personally, I use and recommend an age-based savings percentage that increases later in life.

Retirement Savings by Age

Wondering how you could possibly save this amount of your income? As you pay down your debt obligations and strive toward living a no-debt lifestyle this becomes possible. In the tax year 2016 there is an $18k limit on the total dollars that you can defer. Those over age 50 can defer an additional $6k annually. Depending on your level of compensation and number of total participants in the plan, company sponsored retirement plans may further restrict the amount of your income that you can save tax-deferred. Max out the amount that you can save tax-deferred in your company plan and make up the difference by redirecting your post-tax monies to an individual savings or investment account.

If you are self-employed or your employer does not have a sponsored retirement saving plan you will have to take the initiative to save for your later years. Work to save a portion of your income monthly and work up to the percentages listed above. After your nest egg begins to grow you will be ready to explore investment options to help to generate a return on these funds. It’s not difficult and I feel that everyone will be able to develop a strategy that works for them. Money reVerse is here to help with encouragement, information and one-on-one consulting engagements. Contact me to get more info!

Prepare for the day in which your work will be lighter and less demanding. Aggressively save for your retirement by taking advantage of your company sponsored retirement savings plan! Do it today!

22 August 2016

I'm speaking at #Octane2016! Join me there!

Posted in Events / Engagements

Join me at Octane 2016!

November 4-5 2016
Holiday Inn Express and Suites
Hurst, Tx

When you receive instruction of any kind from God, that is a true call to leadership.

Leadership starts with self.

Strong leadership practices will manifest themselves across all areas of your life. Including your finances.

I will be joining the Ei8ht Leadership Development Group as a speaker at the Octane 2016 Leadership Conference. I will lead two sessions covering the topics of Stock Market Literacy and Knowing and Understanding your Money Persona.

This conference will provide over 8 hours of leadership instruction and practical application take-aways in just two days. You don't want to miss this one!

Get more information on #Octane2016 here!

See you there!

21 August 2016

I've partnered with BibleVerses.com!

Posted in Social Media

I'm honored to have recently joined the writing team at BibleVerses.com!

BibleVerse.com has a mission to make a free online version of the bible accessible for those with vision impairments. BibleVerses.com is published in a format that is specifically optimized for screen readers, braille displays and tailored for individuals with color blindness, low vision and other visual challenges. This makes it a free online bible that is available to an underserved community. I love the mission of this organization!

I am writing articles for the BibleVerses.com blog. In staying true to Money reVerse, I’m bringing the biblical financial principles into focus for the readers.

Make a point to visit me there! If you like what you read, leave me a comment there!

Here’s my BibleVerses.com an article on debt.



26 June 2016

Brexit - The Simple Explanation

Posted in Market News & Events

World economic markets were very volatile on Friday June 24, 2016. Our US markets marked losses on all fronts – Dow was down 610 points (3.39%), NASDAQ was down 202 points (4.12%) and the S&P was down 76 points (3.59%). This negative volatility was a part of the global response to a June 23, 2016 vote by and for the United Kingdom to leave the European Union. This is also known as the Brexit (British Exit) referendum.

EU FlagThe referendum or public vote was open to the people of the UK and the question posed to them was “Should the United Kingdom remain a member of the European Union or leave the European Union?” Think of this as residents of any of our 50 states being asked should we stay or should we leave the United States. In simple terms, that was the question.

The result was 51.9% of voters opted to leave the European Union and 48.1% opposing the change. The UK, also known as Britain is leaving the 28 state European Union.

Three notable changes that will take place as a result of the Britain leaving the European Union:

- Britain will no longer be a state in the union. All dealings with the remaining EU states will be with foreign partners. Many European trade agreements will have to be renegotiated and modified.

- Travel between Britain and other states within the European Union will not be as open as they have been before. Again, Britain and neighboring countries are no longer a part of the same union. No more changing residences among the European states and Britain without additional regulatory steps being required.

- These items and the many others that will take place will increase the overall cost of doing business in Europe both nationally and internationally.

A key reason that this referendum was on the table for voting was that the people of Britain had a general dissatisfaction with the EuropeanBritain Flag Union. They felt that breaking away from the union was the only way to protect and restore the country’s identity, independence, culture and pride. From my readings I’m interpreting that the people of Britain felt that receiving immigrants from other cultures in large numbers contributed to their feelings of losing their identity.

British citizens that opposed the EU exit stated that there would be substantial economic consequences associated with leaving the union and noted that the financial impact of the exit does not justify taking such an action.

The vote for Britain to exit the European Union was passed on Thursday June 23, 2016 and as predicted, there was a notable downturn in the US, European and Asian financial markets on Friday June 24, 2016.

The Brexit vote marks the beginning of a new stage production on this topic. Since the vote we’ve seen celebrations, resignations, negotiations and immigrations. Unfortunately, there’s also been a murder of a political leader as a part of the madness. Much unrest on European soil as a result of this historic vote.

I’m praying for God’s will to be done on earth. I’m seeking the Lord for peace in the land and I’m praying that he will educate us with insight on the topic. I’m believing that he will show us how to prosper in these financial markets in ways like no one else. I’m giving Him the glory already on this!

Did this help to clear up any questions that you had on this topic? Let me know. I would love to hear from you!

12 June 2016

3 Crucial Steps to Making Wise Financial Decisions

Posted in Challenges / Call to Action

Crucial Steps

Our every day life choices have a direct effect on our financial well being, financial security and our financial future. Since we all want to improve our financial outlook, let’s take a closer look at the decisions that we make everyday that could affect us in this area.

Making a decision is the act of selecting when faced with two or more possibilities. We do this automatically hundreds of times a day. Do I answer the phone or let it go to voicemail? Do I brush my teeth this morning? Which route do I take to drive to work today? We all are very good at this. Looking back over the last 24 hours, I’m sure that you can quickly count 20 decisions that you made without any difficulty. If you’ve put a “can’t make a decision” label on yourself, let this serve as an instruction to mentally rip that false label from your thoughts about yourself!

Many of our daily life decisions affect our personal finances in some way. This is easily understood for major financial decisions like deciding to purchase a home, have a baby or start a business. What we may not realize is the fact that we make a larger impact to our overall financial well being as a result of the smaller every-day decisions that we make. Some of these decisions include answers to questions like do I take my lunch to work? Do I buy that toy that my child is crying for today? Should I participate in my company sponsored retirement savings plan?

I've found often times that when we retrace the steps to how we've gotten to an unfavorable financial situation we find that at the point of when we could have made a wise decision, there was no decision to be made. There wasn't an alternative on the table that best aligned with what we say matters most in our lives and in the lives of those that we love. No short-term or long-term plan on the table to oppose the "right now" money-related opportunity. We know what happens then...we go with "Why not??". Opportunity seized!!

When the Lord began showing me visions of how He sees the financial condition of His people, he began a work in me that led me to begin making plans to achieve this vision. I saw visions of His people achieving wealth in a comfortable way that was recognized by believers and non-believers alike. I saw His people using mainstream practices in our everday lives to bring to light the truth that we are a city that sits on a hill that cannot be hidden in the financial arena. I believed it. I began living it with the financial choices that I made. I implemented 3 key financial practices in my life and as a result rarely have a struggle making financial decisions. I have alternatives before me when presented with "right now" money decisions. 95% of the time, I choose to stick to achieving the God-given vision and so far it has paid off! I'm not boasting on myself, but I am boasting in the Lord!

Here's the 3 crucial steps to empower you to make more wise financial decisions.

1. Set Your Financial Goals

...in the presence of Him whom he believed—God, who gives life to the dead and calls those things which do not exist as though they did;
Romans 4:17 KJV

The Christian Holy Bible instructs us to call those things which do not exist as though they do exist. Identify those life accomplishments and life-style realities that are most important to you and your family. Be specific with what the accomplishment looks like and associated dollar value and timeline. For example, a sample goal is We will purchase a family home valued no more than 350k by August 2018. If it means a lot to you, put it on paper and start working toward it!

US Bills 50's

2. Establish Savings

The ants are a people not strong, Yet they prepare their food in the summer;
Proverbs 30:25 NKJV

While on the journey to meet your established goals, there will be detours and potholes that could slow you down or threaten to take you off-course. Establish a savings fund that will be used for those unexpected items. I have savings for emergencies (unexpected medical bills, travel for funerals...) and directed savings (home and car maintenance, family reunion trip planning). When you dip into these savings, start replenishing the fund as soon as you can so that you won’t get caught without knowing how to handle the next unexpected interruption.

3. Set and execute your every-day financial operating strategy

To everything there is a season, A time for every purpose under heaven:
Ecclesiastes 3:12 NKJV

Now that you have your goals set and are building your savings, it’s time to make a personal vow of how you will operate daily to reach the stated goals. This daily operational practice is the strategy - set of actions outlined that detail the “how” you intend to reach the established goals. This strategy could include practices of limiting spending on lunch during the work week, redirecting those funds to the emergency savings and accounts set aside for reaching the long term financial goals. This is where a spending plan and regular checks and balances to measure progress becomes a requirement.

The thing to remember here is to operate daily in a way that is in line with your long-term goals. Pray and get guidance from the Lord on your current financial season. If this is the season to sow into your long term goals then this may not also be the season for a new wardrobe or to enjoy an expensive family vacation. Seek the Lord for wisdom in this and live by your self-established financial boundaries and vows!

Making a decision is the act of selecting when faced with two or more possibilities. Establish the alternatives to consider when facing money choices and you'll make better financial decisions - guaranteed!


31 May 2016

I've Received Healing of a Brain Tumor!

Posted in Spiritual

May is Brain Tumor Awareness Month!

I can’t let the month of May end without focusing on Brain Tumor Awareness!

According to a report by CBTRUS Statistical Report (2012), there are more than 688,000 people in the United States that are living with a primary brain or central nervous system(CNS) tumor diagnosis. Of these, approximately 80% or 550,000 are benign tumors (not causing death or serious injury) and the other 20% or 138,000 are malignant (can cause death or serious injury). The National Brain Tumor Society is an organization that has worked to secure themselves in key positions in the areas of drug development, intensive research, advocacy, and human support areas to make a positive difference for those families that may be impacted by a loved one with a brain tumor diagnosis. They are working to do their part to make a difference! Great organization. Learn more about them here.

For those that know my story, you know that my passion to learn, live, reach and teach about Christian kingdom finances was birthed in me when I personally was living with a tumor in my brain. After going through many odd symptoms, doctor visits, tests and re-tests I was given a brain tumor diagnosis. It was small but caused large discomforts. Surgeons recommended watching and attempting to control the growth with medicines before opting for what could be a difficult surgery. I prayed. I agreed. I heard.

I heard the Holy Spirit instructing me to be still and not tell anyone about the diagnosis. I was also instructed by the Holy Spirit to turn off the TV. It was after a period of 2 weeks that I was released to share what was going on with members of my family. My TV has been off for over 16 years.

In that time of petitioning the Lord for healing I developed a closer than close relationship with my God. Without me requesting it, He began showing me visions of God ordained financial wealth and elevation for those that are believers. No get rich quick schemes. No giving everything you own to the church. No marathon prayer meetings with people running around the church speaking in tongues. The visions that I saw had all of us following the financial plan that is outlined in the principles as written in the scriptures. I saw it and I believed it. I began living it and it works. As a result, I live a debt free existence – (yes even the houses are paid in full), I have excellent credit, savings, support family as needed and I invest and trade stocks and options.

All the financial knowledge and skills that I used to achieve this were given to me by the Holy Spirit during the 4-year period of time when there was a trespassing tumor in my brain.

My God is a healer. After 4 years of living with a tumor in my brain I got a good report of being tumor free. That was 12 years ago. May is Brain Tumor awareness month but the real story is that my God is a healer. No ailment is too big or too serious for Him!

Approximately 7 years after being healed of a brain tumor and earthly views of money and possessions, I heard the Holy Spirit say, “Tell the people what I told you.” In response to that instruction, Money reVerse was born.

Our God has a plan for every life that He creates. Submit to Him and begin to embrace your spiritual purpose. That’s the reason that we’re really here. True happiness will come as a result of being obedient to the calling on your life. It's not just for those that minister in a pulpit in front of a congregation. We all are called according to His purpose! Get busy being you!

If you’re living with a diagnosis I’m praying for you. If you’re not living with a diagnosis pray for those that are. Here’s the scripture that spoke to me more clearly than any other when I was living with a brain tumor diagnosis:

Be still, and know that I am God…
CarolynW I will be exalted among the nations,
I will be exalted in the earth!
Psalm 46:10 NKJV

Thank you for supporting Money reVerse!

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