Sunday, September 29, 2013

The radical hate preacher who brain washed white widow

The radical hate preacher who made White Widow Samantha Lewthwaite

He is believed to have brainwashed the British mum-of-four a decade ago

This is the radical hate preacher who is suspected of setting White Widow Samantha Lewthwaite on the path to terror.

Abdullah el-Faisal, whose real name is Trevor Forrest, is believed to have brainwashed the British mum-of-four a decade ago.

She has been dubbed the world’s most wanted woman after being named as the suspected mastermind of the Nairobi shopping mall massacre.

Yesterday a security source said: “Those hunting for Samantha will be looking closely at her links to el-Faisal and whether his movements provide clues to where she is hiding out.”

El-Faisal, 50 – kicked out of Britain four years ago for his hate campaign – is also thought to be the man who radicalised Lewthwaite’s first husband, 7/7 suicide bomber Germaine Lindsay.

Investigators believe that after the White Widow’s mind was poisoned by Muslim el-Faisal, the pair had several meetings in South Africa in recent years to plot attacks.

Yesterday it emerged that Lewthwaite was reportedly seen in South Africa just three weeks ago, casing embassies including the British High Commission.

Lewthwaite, the daughter of a former British soldier, was said to have been captured on CCTV in Pretoria.

Israeli security agency Mossad reported the sighting to South African police but it appears they failed to track her down or conduct any surveillance. It is the first credible evidence of the terror suspect’s whereabouts since she went on the run in 2011 after hiding out in South Africa.

Muslim convert Lewthwaite, 29, originally of Aylesbury, Bucks, was last week made the subject of a Red Notice by Interpol which is desperate to find her in the wake of the Westgate mall siege that claimed the lives of 67 people, including six Britons.

Survivors told how they saw a pale skinned woman among the al-Shabaab militants who struck in the Kenyan capital on September 21.

El-Faisal had spent years in Britain urging people to kill non-Muslims. He was jailed in 2003 for soliciting the murder of Jews and Hindus. He was deported to his homeland Jamaica in 2009 but was in South Africa in 2010 and 2011 at the same time as Lewthwaite.

It has also emerged in a Scotland Yard file that Lewthwaite is now secretly married to an ex-officer in Kenya’s navy. A senior security source said: “Someone with such a background will have connections to Kenyan military and possibly have been able to expose apparent weaknesses. This could have been vital for anyone plotting a terror attack.”

Leaked intelligence briefings have also revealed the Kenyan government was warned months ago that al-Shabaab was planning an attack in Nairobi between September 13 and 21.

US museum splits royal family

• Opens Gallery For Controversial Artefacts

AFTER the Benin royal house’s disapproval of the controversial acquisition of 32 Benin artefacts donated to the Museum of Fine Arts (MFA), Boston U.S. last year, there is an indication that a covert endorsement has been granted the foreign museum to keep the cultural objects.

Last week, a “delegation” described by MFA as representatives of the Benin Monarch, Omo N’Oba N’Edo Uku Akpolokpolo, Erediauwa, (CFR), were among the guests who witnessed the official opening of Benin Kingdom Gallery at the Boston museum.

According to reports monitored from Lagos, the delegation was led by Chief Nicholas O. Obaseki, Prof Gregory I, Akenzua and Chief Esosa Eghobamien, as “representatives” of the Oba of Benin. The delegation, MFA stated on its website, was in collaboration with a Diaspora group, the Coalition of Committed Benin Community Organisations.

The MFA had, in June last year, received donation of 28 bronze and six ivories from Mr. Robert Owen Lehman, the heir to the vast collection of a famous American banker, late Philip Lehman.

The late banker and great grand father of Robert was one of the beneficiaries of the 1897 Benin Punitive Expedition; an invasion of the old Benin Kingdom by the British Army, which sent Oba Ovonramwen on exile.

At the end of the military action, an estimated 4, 000 cultural objects from the Benin palace were said to have been looted by the British army.

But last year, the Oba of Benin responded to the Robert Owen-donation through a member of the Benin Royal house, Chief Irabor Frank, who stated via email: “The Oba of Benin had said at many forums that the looting of the Benin palace by the British government in 1897 was premeditated. The Oba had made his demand very clear that the stolen Benin artefacts should be returned.”

Few days ago, a brother of the Oba, Prince Edun Akenzua claimed that he was not aware of the Benin delegation to the opening of the gallery in Boston.

He explained in SMS: “The Oba did not send any representative to the Boston museum event.” Akenzua noted that a claim that the Oba sent a delegation “is spurious.”

Akenzua, Enogie of Obazuwa, who said he was on holiday abroad as at the time of sending the SMS, disclosed that “the palace has categorically informed me that no representative was sent.” He noted that “some organisations (project) their events” through misrepresentation.

He described the action of the so-called representatives of the Oba as “wrong and reprehensible.”

But on the Facebook page, the MFA listed the names and posted pictures of the controversial delegates or representatives of Oba of Benin and other dignitaries. They include Ambassador Walter Carrington, Chief Nicholas O. Obaseki of Benin Kingdom, His Royal Highness Professor Gregory I, Akenzua of Benin Kingdom,

Chief Esosa Eghobamien, The Obobaifo of Benin Kingdom, Dr. Arese Carrington, and Malcolm Rogers, Ann and Graham Gund Director of the Museum of Fine Arts, Boston.”

Meanwhile, the National Commission for Museums and Monuments (NCMM), which had also urged MFA to return the controversial cultural objects to Nigeria, had flagged off a dialogue with foreign museum, which produced a document known as the ‘Benin Plan of Action.’

Blackface lands N52m deal

Ahmedu Augustine Obiabo popularly known as Blackface Naija an ex member of the defunct Pop group Platashun boiz has signed a N52 million deal with Franchise Events Limited.

*Blackface

The deal also consists of a car and a house that has changed Black Face Naija’s status and makes him the record label’s biggest act. Black Face Naija who has found it difficult to break into the mainstream of the Nigerian music industry has been given a fresh opportunity to prove himself once again. According to our sources, Franchise Events Limited spokesperson said, they decided to settle for Blackface because of his versatility , staying power and his brand of music.

Again

Another policeman caught on video demanding N10,000

The policeman

| credits: File copy

Husband and wife comes. Out as gays after 20years of marriage

Husband, Wife Share Story Of Coming Out Together, 20 Years Into Their Marriage

A California man says he realized he was gay more than 20 years into his marriage, then he realized he was a she.

It’s the kind of thing many think would tear a husband and wife apart, but not David and Cat Kaufman. But the end of the Kaufmans’ love story has an unusual ending. More than 20 years later, David Kaufman became Dani Kaufman.

“We were each other’s best friend,” Cat said.

It’s a love story with a normal beginning.

“We were a good match for each other,” said Dani Kaufman.

They fell in love, got married and had a kid.

“We just got along really well,” Cat said.

But the end of the Kaufman’s love story has an unusual ending. More than 20 years later, David Kaufman became Dani Kaufman.

When Cat looks at Dani, “Inside she’s the same person that I married, and just the outside has changed.”

Cat says she didn’t see any signs at all that David could be gay.

And if you’re wondering if Cat was really OK with her husband’s confession, she had a secret of her own.

That secret began a few years ago.

But Dani’s goes back for as long as she can remember, she says she’s always struggled with being born a boy.

“When I was 5 years old I just wanted to be a girl so badly,” Dani said.

In between attempts to end his life that began at 13, Dani ignored that haunting, nagging feeling, and did what everyone around him expected.

“I got married twice,” Dani said.

He got married and had two kids. After his divorce, he met Cat.

“It never occurred to me that it would be anything but forever,” Cat said.

The couple moved from Michigan to California, where David worked as a radiologist.

More than two decades after living a happy life together, things changed.

“I realized it was going to be the end of what we had,” Cat said.

(Credit: CBS13)

Four years ago, Dani says he finally fully realized his attraction to men. While David, a husband and father, struggled with the idea of what to do next, he had no idea his wife had a secret of her own.

“I just said, ‘You know, I need to tell you something,” Cat said.

“I could tell she was really nervous,” Dani said.

“I need to tell you that I’ve been thinking that I would like to date women,” Cat said.

Yes, Cat told her husband she’d recently realized she was a lesbian.

“And I remember saying, “Oh my god, get out of town! I just figured out I’m gay!” Dani said.

“It was pretty shocking for both of us,” Cat said.

So after more than 20 years of marriage, husband and wife sat across from each other, knowing it was the beginning of their end, but a new beginning for each of them.

“It was excitement and relief,” Cat said.

Then last year, Dani realized she wasn’t gay, she was just born in the wrong body.

(Credit: CBS13)

“No, I don’t just want to be female. I really am female,” Dani recalled.

She says she felt like a woman trapped in a man’s body.

When asked how she’d respond to people who might not understand this, Dani said, “I’m sorry if you don’t understand it but this is who I am.”

Dani began the transformation more than a year ago, and she says she’s finally able to be herself after more than 50 years of pretending to be someone she wasn’t.

“It felt so good to be me. It felt so good to be a woman, to be Danielle. This is incredibly cool,” she said.

(Credit: CBS13)

The couple now lives separately just a few minutes from each other.

Dani wrote a book about his struggles called Untying The Knot: A Husband And Wife’s Story Of Coming Out Together.

Asides using physical threats of violence at Automated Teller Machine points, fraudsters have found other ways of robbing unsuspecting Nigerians via their ATM cards, ARUKAINO UMUKORO writes

A few weeks ago, Bola, as she preferred to be addressed, who just relocated to Nigeria from the UK, received a rude welcome to the world of Automated Teller Machine transaction in her country of birth.

She had just collected her ATM card from her bank and was looking forward to withdrawing money with it later that evening.

On getting to the ATM point at Mushin area, she met five persons there waiting. Two left immediately after making their withdrawals, while the other three men asked her to go ahead and make her withdrawal.

“It seemed as if they were waiting for somebody,” Bola recollected. She was mistaken.

Being her first time of using the ATM card, she changed her Personal Identification Number and then proceeded to withdraw N20,000. “It was around 7.30pm, and I was all by myself. Then I felt something like a gun pressed on my back from behind, the other guys had surrounded me and they demanded that I gave them all the money. Knowing that it was futile to argue with them, I just did what they asked.”

Just then, her phone rang out loud. It was a message informing her of the transaction. One of the guys snatched the phone from her, checked the message and realised she still had some money left.

“They asked me to withdraw the rest of the money in my account. It was like a movie. I lost N80,000 that day,” she said, adding that she felt numb after the incident and couldn’t tell anybody about it, until recently.

Many Nigerians have fallen victim to such incidents. And like Bola, they may not report it to the police or bank authorities for sundry reasons.

An expert on security matters, Mr. Obadare Adewale, pointed out that fraudsters now resort to the threat of physical attack to rob their victims at ATM points because they cannot clone ATM cards like they used to do in the past.

“This is because the new ATM card, whether for debit or credit, is a chip-and-pin type. This ensures that the embedded microchip makes the card extremely difficult to counterfeit or copy if it’s lost or stolen. With the chip-and-pin, it is not possible to fraudulently duplicate and steal other people’s money using their ATM cards, unlike before, when ATM cards were magnetic fibre cards which could be cloned. As a result, card-cloning fraud has drastically reduced in Nigeria.

“The Central Bank of Nigeria has mandated all banks in the country to be EMV compliant. Nigeria has joined countries like France and UK, although the US still uses magnetic fibre cards,” he said.

According to Wikipedia, EMV, which means Europay, MasterCard and Visa, is a ‘global standard for inter-operation of integrated circuit cards and IC card capable point of sale terminals and automated teller machines. It is used for authenticating credit and debit card transactions.”

Many countries, like Nigeria, are said to prefer chip cards because the feature makes purchasing abroad easier.

As a result of this security development, fraudsters have developed other means of robbing people of their money. Adewale recounted a recent occurrence.

“It happened at a shopping mall, I don’t want to mention the name. A woman’s handbag was stolen from where she forgot it. The bag contained her ATM debit card and her driving licence. Unfortunately for her, the fraudsters were able to guess correctly that her date of birth was her PIN. That was how they started withdrawing and spending her money,” he said.

This is the reason why the Executive Director, Business Development, Nigeria Inter-Bank Settlement System Plc, Mrs. Christabel Onyejekwe, advised that people should avoid using their dates of birth as PIN numbers.

“Those fraudsters could get it after three or four attempts. Don’t use your birth date because it can be easily known. First and foremost, make your pin very distinct,” she told SUNDAY PUNCH.

Another method fraudsters use nowadays is through ‘phishing’ emails.

These are scam emails sent to many where the bank customer is asked to click on a link to ‘complete the upgrade of their Internet banking account to a safer platform.” Sometimes, some people innocently fill the fraudulent form sent to them which would expose their bank statement and transaction details.

“In some cases, these fraudsters, fronting as bank officials, also call customers on the phone to request for their Internet banking token details. That was how a bank customer lost over N6m.

“On no account should you reply any email like that and do not click on the link or give somebody your PIN number or token details on the phone. No bank will ask you for such details on the phone,” Adewale said.

It has become a common method so much that many banks now send disclaimer emails to their customers.

When these fraudsters don’t resort to physical attack or send phishing emails, they look for loopholes whenever online transactions are being carried out.

“For Internet transactions, referred to as ‘card not present’ transaction, you need the Primary Account Number, that is the number at the front of the card, the Card Verification Value, the three numbers at the back of the ATM card, and your PIN number.

“And what most of these fraudsters do is that they carelessly roam about in places where these transactions are done. So, if you hold your card carelessly, someone can quickly cram the digits in front of the card and the three digits at the back of the card. Then, they can do transactions on your behalf. Some websites only need the PAN and CVV, but some others may ask for the PIN also,” Adewale added.

Although the use of ATM card details for such online purchases and transactions is quite secure because, like Onyejekwe noted, “they are registered merchants and dealers.”

She advised people to do such online transactions in secure and registered cyber cafes.

“Don’t walk into cyber cafes that are not registered. There are registered cyber cafes on the Nigerian Communications Commission website,” she said.

Since the ATM was introduced into the Nigerian market over a decade ago, there has been a rapid growth in the volume of transactions with ATM cards nationwide.

Fraudsters have also found different methods to beat whatever security measures put in place.

However, this worrying trend is not only common to Nigeria.

In April, US federal prosecutors said $45m was stolen in a few hours after a global network of hackers hacked a database of prepaid debit cards and subsequently used it to loot financial institutions around the world. A US lawyer had described it as “a massive 21st-century bank heist.”

Also, statistics released by the European ATM Security Team in April showed that total ATM related fraud incidents increased from 20,244 in 2011, to 22,450 in 2012. While losses due to ATM related fraud attacks rose by 13 per cent from €234m to €265m.

The report noted that the rise was due to an increase in losses due to card skimming attacks, which rose 12 per cent from €232m to €260m.

“The majority of ATM related card skimming losses continue to be international (losses outside national borders by criminals using stolen card details) with most occurring in countries outside of Europe. Such losses increased by 21 per cent when compared to 2011. The top three locations for such losses were the USA, the Dominican Republic and Brazil,” the report stated.

Protect yourself from ATM theft

• Get in the habit of using the same ATM for your transactions. Become familiar with it and be able to recognise changes to the machine.

• Use ATMs inside banks rather than on the street (where they’re easier for thieves to access).

• If you’re visiting an unfamiliar ATM that is not inside a bank, examine it carefully for devices. Card or cash trapping devices need to be glued or taped to the card reader or cash dispenser. Look for ‘extra’ cameras beyond the basic and generally obvious ATM security camera.

• Never rely on the help of strangers to retrieve a confiscated card.

• Never use an ATM when other people are lingering.

• Report confiscated cards immediately. If you can, don’t leave the machine. Instead call the bank from the ATM where your card was taken using a cell phone.

• Don’t use ATM with extra signage or warnings posted on the machine.

• Never follow a link in a supposed bank email notice. If you are wondering if your bank has really contacted you via email, then close the email and directly type your bank’s website address into your browser. Visit your account and look for update notices directly on your account or bank’s website. The email is almost always a phishing scam.

Source: www.scambusters.org

Incredible! Driver pulled from car after it flips 7 feet in the air and lands ON TOP of a fountain

By | A freakish accident in Pittsburgh on Thursday resulted in a car flipping over and landing on top of a fountain. The driver was pulled from the wreck after the incident and was taken to UPMC Presbyterian Hospital. His name and condition have not been released. Witnesses say the car was not going very fast, about 30 or 40mph, when the crash happened. Pittsburgh police Sgt. Mike Pilyih said the ...

... continue reading: dailymail.headlines......physics in display

Ten financial principles that are biblical

10 Financial Principles That are Biblical

by George Fooshee

Some people mash cans, crunch bottles or shred newspapers and magazines to further the cause of modern ecology. As owner and manager of a collection agency for 17 years, I believe in preserving the nation's natural and human resources too-particularly from a personal finance perspective.

There are ten financial principles found in God's Word to counsel and to help "recycle" many people, especially Christians, who have been all but mashed, crunched or shredded by the miseries of indebtedness and poor money management.

To put it plainly, I've seen firsthand the full spectrum of financial woes that can hopelessly trap people in a society victimized by the credit-card, "buy-now-pay-later" syndrome.

As a bill collector, my business is to try to collect accounts that creditors have been unsuccessful in collecting. Daily, I see people in deep financial trouble. Thousands in this country have got themselves into financial messes that can lead to more serious consequences.

For years all of my personal financial counseling ended in failure. Then I discovered God's mighty Word and His ten financial principles. Financial counseling became a matter of revealing these principles and allowing financially troubled persons to choose whether to obey them or not. These principles reveal God's instructions to His children for conducting their financial affairs.

I believe that one of the major themes of the Bible is obedience to the Lord. These financial principles are real, and obedience to them demonstrates that Christians are trusting God in another area of their lives.

God is Source

The first principle is that God is the source of everything.Philippians 4:19 says, "My God shall supply all your need according to his riches in glory by Christ Jesus." Proverbs 8:20,21 adds, "I lead in the way of righteousness, in the midst of the paths of judgment: that I may cause those that love me to inherit substance; and I will fill their treasures."

And 2 Corinthians 9:8 says: "And God is able to make all grace abound toward you; that ye, always having all sufficiency in all things, may abound to every good work." Whenever we need money or possessions, prayer is the answer. Look to the Lord, because He will provide it-according to His will.

Giving Essential

The second principle is that of giving. Luke 6:38, a key verse, says, "Give, and it shall be given unto you; good measure, pressed down, and shaken together, and running over, shall men give unto your bosom. For with the same measure that ye mete withal it shall be measured to you again." According to Deuteronomy 14: 23, one purpose of tithing was to teach the people of Israel to put God first in their lives.

I find there are a couple of ways I can put God first daily. One is to have a quiet time. If I am unwilling to meet the Lord each morning when I get up, that means I'm putting somebody else or something else before the Lord.

For example, how many people have thought seriously about not taking the daily newspaper? The man who is unwilling to cancel a newspaper subscription, which is keeping him from reading the Word of God, may often be the same man who is having trouble making the payments on the TV set that is keeping him from doing the things that would help him grow closer to the Lord. So it can be a vicious cycle. And with TV commercials by the dozens exhorting him to buy, spend, charge and go, is it any wonder that thousands of people are so molded by the world?

Having a quiet time is one way a person can put God first. I believe another is to commit a tenth of his income-right off the top-to the Lord's work. Proverbs 3:9,10 reads: "Honour the Lord with thy substance, and with the firstfruits of all thine increase: so shall thy barns be filled with plenty, and thy presses shall burst with new wine."

Live On Margin

The third principle is that of living on a margin. Everyone ought to live on a margin-a physical margin, a spiritual margin, a time margin and a financial margin. Living on a margin simply means allowing room for things to happen.

There are really only three ways a person can arrive anyplace. He can arrive early, on time or late. I used to aim at arriving right on time, and I consistently arrived five minutes late. That's because I allowed no margin.

Those precious minutes add up. Think of the cumulative effort, on health alone, of continually spending 15 minutes hurrying to be five minutes late. I swim three times a week at the YMCA to stay in shape, and I try to eat right and keep my weight down, since I want to serve the Lord and therefore don't want to die of a heart attack. But 15 minutes of hurrying three times each day for 15 years adds up to nearly six months of 24-hour days when I'm under unnecessary tension, just hurrying to be late. And tension is a leading cause of heart attacks. How ridiculous! But the Lord led me to operate on a time margin-planning to arrive early rather than hurrying to be late.

Bible Backs Saving

The fourth financial principle concerns saving money-setting something aside for a rainy day. Proverbs 21:20 says, "There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up." And Proverbs 22: 3 emphasizes, "A prudent man foreseeth the evil, and hideth himself: but the simple pass on, and are punished."

For a simple example, if a couple with an income of $12,000 a year would save $1000 of it each of those years and let this money earn 6 percent interest, compounded annually, they would have $24,672.56 at the end of a 15-year period.

If at the end of 15 years of saving faithfully, a son or daughter is ready for college or the family needs to move into a bigger house or wants to serve the Lord on a full-time basis, the couple can start to withdraw their savings. They can withdraw $2000 a year for 10 years and still have $15,322.17, or slightly more than they set aside. Isn't this making your money work for you? God has a reason for the principle of saving money.

Keep Out of Debt

The fifth principle is to keep out of unnecessary debt and thus avoid the debt trap. Borrowing for a house or car is one thing but taking on financial obligations one can't keep-buying beyond the ability to pay-is another. Psalm 37:21 says "the wicked borroweth, and payeth not again." The minute a person goes into debt, he loses a portion of his freedom. As Proverbs 22:7 says, "The rich ruleth over the poor, and the borrower is servant to the lender."

Suppose this same young couple with the $12,000 annual income had decided that instead of saving $1000 a year, they would go into debt for $1000 to buy some furniture. And suppose they continue to increase their indebtedness by $1000 during each of the 15 years, without paying back one cent. With 10 percent interest, compounded annually, on the increase in debt, the couple's debt would have been an astronomical $34,949.74. The debt on $1000 alone for that same period, without any repayment, would have been $4177.21.

Too many people think you can buy now and pay later. That isn't true. I've found that easy credit now makes people uneasy later. Usually a person pays more for the use of borrowed money than he gets in interest for saving it.

Secret of Contentment

The sixth principle is being content with what one has. Hebrews 13:5 puts it succinctly: "Let your conversation be without covetousness; and be content with such things as ye have: for he hath said, I will never leave thee, nor forsake thee."

One area where people often first become discontent involves the old automobile. Too many persons trade or sell their cars before they are used up. There's a big difference between fixing up the old junk heap to drive three more years and buying a new car. Many salesmen make the slick remark, "You just make that easy monthly payment." There is seldom anything easy about that monthly payment. It seems to get harder to make all the time.Second Corinthians 6:10 is so beautiful to apply here. It reads: "As sorrowful, yet always rejoicing; as poor, yet making many rich; as having nothing, and yet possessing all things."

My friends in the automobile business tell me that most cars are good for more miles than most people put on them. Just because a car has over 100,000 miles doesn't mean a person has to get rid of it. Look at some of the buses, trucks and cars still going strong, especially in countries outside North America. They are cars of the same age and mileage that other people junked years ago.

A worthwhile saying to remember on contentment is this: "Use it up, wear it out, make it do, do without."

Keep Records, Budget

The seventh principle is that of keeping records and making a budget. God's Word says, "Buy the truth, and sell it not; also wisdom, and instruction, and understanding" (Prov. 23:23). "Through wisdom is an house builded; and by understanding it is established: and by knowledge shall the chambers be filled with all precious and pleasant riches" (24:3,4).

If someone were to tell me that he's going to run his business without keeping any records, I would say this is downright stupid. And it is even worse for one who really wants to be a good steward of the Lord's money.

I started my children on a three-category budget when they started school. Every week I distributed the allowance-$1.50-.50 cents each for depositing in separate calling card boxes designated "save," "church," "spend." The kids had a visual control system. If there was no money in there, they had no money to spend. Making a budget won't be that simple, but the idea is the same.

A man I know to whom I have given financial counsel thought he was doing great because he had to borrow only $300 in the last eight months. When I asked him how he managed to get along so well, he admitted he had sold his week of vacation for $500 and had some overtime pay.

I figured that the fellow was actually spending $175 per month more than he was making during the eight-month period, despite the one-time windfall of getting rid of his vacation and working overtime. A year from now, at his present rate of overspending, he would owe $2100 more, with interest adding to his debt totaling more than $30 each month.

By keeping good records, having a plan and being honest with oneself, a person won't get into financial trouble. I seldom see financially successful people who don't keep good records.

It's the same with my own business cars. I cut all my salesmen back 15 percent and made a little budget. The salesmen follow a monthly plan and know what the limit is. They are staying within the budget without a reduction in sales. It's just a matter of being more efficient with what one has.

Don't Cosign

The eighth principle is, don't cosign. God says in Proverbs 27:13 to exercise extreme caution in cosigning. The advice infers that the world's poorest credit risk is the man who agrees to pay a stranger's debt. When a person cosigns a note, he is the one who is really borrowing the money. The reason a person needs a cosigner is because the lender is unwilling to lend that money to the person requesting the loan.

Work Hard

The ninth principle is that of hard work. The Scriptures spell it out: "In all labour there is profit: but the talk of the lips tendeth only to penury [ poverty]" (Prov. 14:23). "He that tilleth his land shall have plenty of bread: but he that followeth after vain persons shall have poverty enough" (28:19).

It is important to work. "In the beginning God created" (Gen. 1:1). Even God is at work. This is a principle throughout the Bible. Many times I find that people in financial trouble aren't really working hard. I have often discovered in counseling young men in real financial trouble that they are "tooling" around too much of the time and putting 2000 miles a month on the car. I advise them to take a second job. This increases their income and decreases their expenses and it keeps them from misusing or frittering away their time.

Seek Godly Counsel

The last principle is that of seeking godly counsel. Psalm 1:1declares, "Blessed is the man that walketh not in the counsel of the ungodly." A person needing financial advice should not go to someone who makes his living selling the very thing he's contemplating buying. "Without counsel purposes are disappointed: but in the multitude of counsellors they are established" (Prov. 15:22).

Before buying a house, purchasing a car or just borrowing money, pray about it and seek the counsel of godly people. They can keep you from making a lot of mistakes. The reason so many persons don't seek counsel is that they don't want to be told by someone an intended action is unsound-they just like to do what they want anyway.

Above all, don't sign anything until you check the deal thoroughly first. Don't be hurried into any deal. The worst deal in the world is often the one in which a person is rushed into signing-capitulating to a relentless salesman's chance-of-a-lifetime-offer pressure tactics. The best offer in the world can wait.

These are the ten biblical financial principles: God is the source; give first; live on a margin; save money; keep out of debt; be content with what you have; keep records; don't cosign; work hard and seek godly counsel.

As one learns to follow these eternal principles in his personal finances, he will know the joy that comes from trusting and obeying God.

What the bible says about money

What the Bible Says About Money (Shocking)

inShare15

Most people know Sean Hyman from his regular appearances on Fox Business, CNBC, and Bloomberg Television, but what they don’t know is that Sean is a former pastor, and that his secret to investing is woven within the Bible.

Perhaps that can explain why, despite his uncanny ability to predict precise moves in the stock market, Sean is often laughed at for his unique stance on investing.

For example . . . a few months ago Sean appeared on Bloomberg Television. At that time, Best Buy (BBY) was dropping to all-time lows of $16 a share. Sean predicted the stock could go down to $11 a share, and would then quickly rebound to $25 per share, and after that would rally to $40 per share over the next year.

Another commentator on the show actually mocked Sean for his stance, saying “$40 on Best Buy? If that’s the case Apple (AAPL) is going to $1,500. That’s the most ridiculous thing I have ever heard!” (Editor’s Note: At the time, Apple was trading at $650 per share).

Within a few weeks, Sean would receive the last laugh.

Best Buy dropped down to $11.20 a share and has since rebounded to $30 a share, continuing its path to $40 . . . exactly as Sean predicted. (Ironically, Apple has dropped down to about $400 per share).

During a recent private dinner with Sean, once he’d blessed the food, I wasted no time asking him what his secret is for investing so successfully.

I expected Sean to say that it was his years of experience at Charles Schwab or perhaps one of the complicated algorithms he uses for timing the stock market.

So when Sean responded that his secret to investing was the Bible, I was thoroughly shocked.

Yes, I knew Sean was a Christian (anyone who spends more than 1 minute with him will pick that up!). However, people usually keep their faith separate from things like . . . investing.

But not Sean.

For Sean, the Bible is his FOUNDATION for investing.

He explained to me how there is actually a “Biblical Money Code” woven into Scripture.

Sean says it is this Biblical Money Code that took him from making a mere $15,000 a year to now giving away up to $50,000 a year. Sean also credits this code with helping him turn his father’s $40,000 retirement account into $396,000.

Certain investment titans, Sean says, such as Warren Buffett and John Templeton, have already used this code to amass billions.

What Sean had to say impressed me so much that I asked him to put a presentation together that reveals how anyone could use this “Biblical Money Code.” (Click here to watch it now)

I’ve personally watched this presentation several times and it is already spreading virally.

During the video, Sean uses the teachings of King Solomon, Jesus of Nazareth, and the Apostle Paul to show how anyone can get out of debt . . . make sound investments . . . and morally build substantial wealth.

Sean even reveals a “debilitating ‘financial sin’ that blinds many . . . and could be costing you up to 41% of your life savings at this very moment.” What’s so deceiving about this sin is how innocent and safe it appears at first.

And at the end, he finishes up with his “12-12-12 plan for investing.” This is a simple step-by-step plan to go from being a saver, to an investor, to a philanthropist.

Click Here to Watch Sean’s Presentation, ‘The Biblical Money Code’

Read Latest Breaking News from Newsmax.com http://www.moneynews.com/MKTNews/Financial-bible-Hyman/2013/07/08/id/513894/?PROMO_CODE=14329-1#ixzz2gCyLFHsw

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