Financial  literacy<br />INTRODUCTION<br />
Terms of use<br />Families and lives are destroyed from a lack of knowledge about personal finances. This is one of a seri...
Financial Literacy Series<br />I - BASICS<br />Stewardship<br />Credit<br />Debt & Credit Cards<br />Personal Discipline<b...
In planning<br /><ul><li>Where and How to get Advice
Giving
Investments</li></ul>Autos & Other Major Purchases<br />Managing Health Expense<br />Starting Over Financially<br />
Our goal<br />To Provide People The Information They Need To Make Informed Decisions <br />
Contrary to Popular Belief, Ignorance Is Not Bliss!<br />What You Don’t Know Can Hurt You!<br />
The truth<br />Good Money Managers live better for less.<br />Sadly, most of us are poor money managers.<br /><ul><li>Most...
The Reason . . .</li></li></ul><li>Learned from wrong teacher<br />Our teachers have been television, radio, magazines and...
The problem is NOT our INABILITY, it’s the IGNORANCE of the right things.</li></li></ul><li>Financial  literacy<br />The W...
What God Thinks about Money<br /><ul><li>Money and property are such important parts of our lives that God said more about...
The Bible has some 500 verses on “prayer,” a few less than that on “faith,” but over 2,300 verses about  money and possess...
Why? </li></li></ul><li>Subject matter of this series<br />Most of what will be covered in this Financial Literacy Series ...
It all belongs to god!<br />God Created Heaven, Earth and All Therein<br />It All Belongs To Him<br />He chose to given ma...
Not an Event!<br />
churches  & stewardship<br /><ul><li>Churches teach more frequently and, on a cumulative basis, devote more time to tithes...
So much so that parishioners see “Tithes & Offerings” as synonymous with “Stewardship.”
We are not cursed if we don’t give tithes & offerings, but when we do  we come within the promises found in Malachi 3:10.
But, God wants us to be good stewards of all we have!</li></li></ul><li>Stewardship is . . . . <br />		“Stewardship” is ou...
The whole picture<br />Tithing is 10% of financial Stewardship<br />Offerings are part of the remaining 90% of financial S...
Faithfulness in tithes and offerings<br />As we are faithful in our tithes, God promises to “. . . pour out . . . such ble...
parable of the talents Mat. 24:14<br />A wealthy man entrusted his goods to his servants and then went away.<br />He gave ...
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  • We have taught Personal Finances for years.The classes focused on the Biblical perspective of property and money and the Family Budget.Over the last year, we have developed a different program that addresses specific relevant subjects. It employs a new format (PowerPoint Slide Shows) and we have divided the series into separate groups of three or four classes each dealing with related subject matter.
  • We expect that each part will eventually be offered, but not necessarily in this order or in rapid succession. Let me know which of parts II, III and IV is of greatest interest to you. It will be helpful in prioritizing the order we offer them.
  • We expect that over time the series will expand to include other subjects. If there are financial subjects you would like to know more about, write them down and give me your note.
  • My people are destroyed for lack of knowledge. Hosea 4:6
  • We have had the wrong teachers, who have taught the wrong things!
  • Advertising Creates Desire When None Exists Encourages Us to Want Things Now Appeals to our emotional sideWe think that God is only concerned about my tithes and offerings and it is entirely up to me what to do with the rest!We need to know God’s perspective on money and property.
  • God wants us to know His perspective on this important part of our lives and He knew we would have difficulty mastering it.
  • Gen 2:15 - “Then the LORD God took the man and put him in the garden of Eden to tend and keep it.” NKJV
  • 5 minutes X 2 Services Per Week &gt; 8 Hours Per Year
  • God created man to have dominion over the entire earth, but started him off with the Garden of Eden.
  • This is a parable - a literal story intended to convey one or more spiritual truths.
  • God has entrusted parts of His world to each of us according to our demonstrated abilities.Just as the servants accounted to their master for everything (not just 10%), we must account to God for all He entrusts to us.
  • As we demonstrate that we are able to be faithful stewards over more, God will increase what He will entrust us with.
  • 101 introduction

    1. 1. Financial literacy<br />INTRODUCTION<br />
    2. 2. Terms of use<br />Families and lives are destroyed from a lack of knowledge about personal finances. This is one of a series of Microsoft PowerPoint 2007 presentations intended to inform people about financial subjects from a Christian perspective. They are a work in progress created, distributed and <br />Copyright © 2009 By James C. Johnston<br />1364 Cordova Ave, Ft Myers, FL 33901<br />239.332.0028 All Rights Reserved<br />Use is subject to the following limitations:<br />You may try it for free;<br />You may not modify it without the advance written permission of the author;<br />You may give copies to others, as long as there is no charge for doing so;<br />If you find any mistakes or omission, or have suggestions, please share them with the author so that I may make appropriate corrections and additions; and,<br />If you find them useful and feel moved to do so, you can make some financial contribution in recognition of the value of the time and effort that went into their creation and distribution, and to encourage updating and improving them.<br />Be Blessed!<br />
    3. 3. Financial Literacy Series<br />I - BASICS<br />Stewardship<br />Credit<br />Debt & Credit Cards<br />Personal Discipline<br />II – HOME OWNERSHIP<br />Home Ownership<br />Home Mortgages<br />Insurance<br />Property Taxes<br />III - FORECLOSURE<br />Mortgage Foreclosure<br />Foreclosure Alternatives<br />Making Home Affordable<br />Bankruptcy<br />IV – ODDS & ENDS<br />The Economic Storm<br />Reverse Mortgages<br />Estate Planning Basics<br />Advance Health Care Directives<br />
    4. 4. In planning<br /><ul><li>Where and How to get Advice
    5. 5. Giving
    6. 6. Investments</li></ul>Autos & Other Major Purchases<br />Managing Health Expense<br />Starting Over Financially<br />
    7. 7. Our goal<br />To Provide People The Information They Need To Make Informed Decisions <br />
    8. 8. Contrary to Popular Belief, Ignorance Is Not Bliss!<br />What You Don’t Know Can Hurt You!<br />
    9. 9. The truth<br />Good Money Managers live better for less.<br />Sadly, most of us are poor money managers.<br /><ul><li>Most can’t balance a checkbook.
    10. 10. The Reason . . .</li></li></ul><li>Learned from wrong teacher<br />Our teachers have been television, radio, magazines and the internet - not our parents, churches and schools. <br /><ul><li>We learned well the things we were taught, but we were taught the wrong things.
    11. 11. The problem is NOT our INABILITY, it’s the IGNORANCE of the right things.</li></li></ul><li>Financial literacy<br />The Whole Story About<br />STEWARDSHIP<br />
    12. 12. What God Thinks about Money<br /><ul><li>Money and property are such important parts of our lives that God said more about them in the Bible than almost any other subject.
    13. 13. The Bible has some 500 verses on “prayer,” a few less than that on “faith,” but over 2,300 verses about money and possessions.
    14. 14. Why? </li></li></ul><li>Subject matter of this series<br />Most of what will be covered in this Financial Literacy Series consists of secular subject matter.<br />There is an underlying biblical component we know by “Stewardship,” which is the focus of this session.<br />
    15. 15. It all belongs to god!<br />God Created Heaven, Earth and All Therein<br />It All Belongs To Him<br />He chose to given man “Dominion,” which is defined as “dominance or power through legal authority.” <br />Dominion ≠ Ownership<br />Dominion ≈ Faithful Stewardship<br />
    16. 16. Not an Event!<br />
    17. 17. churches & stewardship<br /><ul><li>Churches teach more frequently and, on a cumulative basis, devote more time to tithes & offerings, than most any other subject.
    18. 18. So much so that parishioners see “Tithes & Offerings” as synonymous with “Stewardship.”
    19. 19. We are not cursed if we don’t give tithes & offerings, but when we do we come within the promises found in Malachi 3:10.
    20. 20. But, God wants us to be good stewards of all we have!</li></li></ul><li>Stewardship is . . . . <br /> “Stewardship” is our individual personal responsibility for “tending and keeping” of everything under our control (including family, relationships, time, talents, environment, property and finances). <br /> Like the title suggests, in this series we will focus on subjects relating to the stewardship of money and property – “Financial Stewardship.”<br />
    21. 21. The whole picture<br />Tithing is 10% of financial Stewardship<br />Offerings are part of the remaining 90% of financial Stewardship.<br />Our financial Stewardship of the rest is as important to God as tithes and offerings.<br />As we prove ourselves as Faithful Stewards, the more God entrusts to us.<br />
    22. 22. Faithfulness in tithes and offerings<br />As we are faithful in our tithes, God promises to “. . . pour out . . . such blessing that there will not be room enough to receive it.” Malachi 3:10.<br />We do not all have the same size “room” to receive.<br />The answer may be found in the “Parable of the Talents.”<br />
    23. 23. parable of the talents Mat. 24:14<br />A wealthy man entrusted his goods to his servants and then went away.<br />He gave five talents to the first, two to the second and one to the third. He gave to each according to their ability.<br />When he returned the man asked them to account for everything.<br />
    24. 24. parable of the talents (continued)<br />The first and second managed them well and doubled what they were received, but the third buried the one talent he received.<br />The man told the first two ”Well done, good and faithful servant; you were faithful over a few things, I will make you ruler over many things. Enter into the joy of your lord.” <br />But the man took the one talent from the third, rebuked him and cast him out.<br />
    25. 25. Put parable and malachi together<br />As we show ourselves to be Faithful Stewards of all God has entrusted to us, He will make us masters over more.<br />The Prophet Malachi may have described it this way – as we prove our Faithful Stewardship, He will increase the size of our “room” to receive His blessing.<br />
    26. 26.
    27. 27. Developing Faithful stewardship<br />Become Financially Literate - We do not rely upon the world’s system, but the more that we understand about the world’s financial system the better that we can make it work for us.<br />Develop Financial Self-Disciplined!<br />Seek Godly Advice – don’t just look for someone to agree with you.<br />Talk With God Before You Make Financial Decisions, Not Afterward!<br />
    28. 28. Power point<br /> Small things are small things, but faithfulness with a small thing is a big thing to God!<br />

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