How to Get Out of Debt in 7 Baby Steps

"How can I get out of debt?," you may ask. Deep down, you know that debt is a financial bondage. It is a difficult task, admittedly, seeing that the debt may be massive. Yet, if we take baby steps, we will eventually get out of it.

How Much Debt Does the Average Person Have in the US?

An office worker adds yet another wealth-destroying debt into his already over-flowing sack of debts, and he wonders how he can get out of all this debt.

The Lexington Law Firm wrote, “Average consumer debt per capita is approximately $12,687 (total consumer debt as of November 2019/total US population as of January 9, 2020). . . Average loans per student equal approximately $82,170 (total student loans in September 2019/total students enrolled in public or private universities in 2019).”

Forbes wrote in February 2020, “Student loan debt in 2020 is now about $1.56 trillion. The latest student loan debt statistics for 2020 show how serious the student loan debt crisis has become for borrowers across all demographics and age groups. There are 45 million borrowers who collectively owe nearly $1.6 trillion in student loan debt in the U.S. Student loan debt is now the second highest consumer debt category - behind only mortgage debt - and higher than both credit cards and auto loans.”

Church Growth in Thailand - Why So Slow?

One of the perennial questions about Christianity in Thailand is why the church has traditionally grown so slowly compared to other countries where Protestant missionaries arrived around the same time. Ultimately, we don’t know for sure why the church grows more slowly or more quickly in a given place. The Holy Spirit blows where He wills and we don’t know where He will move or when (John 3:8). However, God does use people and methods in his work. So, from a human perspective, it is worth considering some of the factors why church growth has been slow in Thailand.

A primary reason for slow church growth has been a strong association of Buddhism with national identity. This has been true for hundreds of years but received a great boost in the early 20th century when Buddhism began to be strongly promoted as a mark of national pride. Thai leaders were eager to modernize their country in the areas of education, medicine, communication, transportation, etc. but becoming more modern did not mean becoming more secular. Buddhism has always been retained as a force for unifying the people of Thailand. As the Thai say, “To be Thai is to be Buddhist.”  In China and Korea, which have both seen strong church growth, no single religion has been tied to being a loyal citizen. The strongest church growth in Thailand has been in the North where minority tribal groups with their own cultural identity have been historically influenced more by local animistic beliefs than Buddhism.

Is Financial Freedom Only For the Rich?

Finally financially free! Jump for joy!

I used to think that financial freedom is only for the rich. I don’t believe that anymore. Why? This summer I read a book that caused a paradigm shift for me: Rich Dad Poor Dad: What the Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!

Multiply Your Money x30: Buy Silver Mining Stocks

Silver is rising fast. And it will skyrocket any time now! I've already written that buying silver bullion will multiply your money x10. Now, I want to share with you how to multiply your money x30. That's right. 30-fold! This is the best way to make passive income, especially on making money online. This is THE most effective way to work from home.silver minining pick ax

Purchase silver mining stocks to multiply your money x30. As with all things, high rewards come with high risks. Therefore, make this speculative investment a small percentage of your overall investment, if you are conservative like me. Secondly, reduce your risks further by investing in multiple silver mining stocks. The list below is a mix of producers, near-term producers, and development projects in quality properties with long-life mines. I would avoid ones with high-risk locations or problematic management teams, which, of course, did not make it on the list below. Other than that, many of the mining stocks will perform excellently when the price of silver skyrockets.

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