Following In Jesus Christ Footsteps

Monday, July 03, 2006

Christian Financial Freedom N.I.V.

Christian Financial Freedom

When it comes to finances are we a "fool for Jesus" or are we a "fool for finances?"
I know, I've been there and I am on the way back.
First Principles in Biblical Stewardship

I. God Owns It All.

  • 'The silver is mine and the gold is mine,' declares the LORD Almighty. -- Haggai 2:8

  • I have no need of a bull from your stall or of goats from your pens, for every animal of the forest is mine, and the cattle on a thousand hills. -- Psalms 50:9-10

A. He created it.

  • By faith we understand that the universe was formed at God's command, so that what is seen was not made out of what was visible. -- Hebrews 11:3

B. He redeemed it.

  • Do you not know that your body is a temple of the Holy Spirit, who is in you, whom you have received from God? You are not your own you were bought at a price. Therefore honor God with your body. -- 1 Corinthians 6:19-20

II. God Makes It Happen Not You.

  • But remember the LORD your God, for it is he who gives you the ability to produce wealth, and so confirms his covenant, which he swore to your forefathers, as it is today. -- Deuteronomy 8:18

  • For who makes you different from anyone else? What do you have that you did not receive? And if you did receive it, why do you boast as though you did not? -- 1 Corinthians 4:7

  • Look at the birds of the air they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? -- Matthew 6:26

  • Why go into business? Standard answer: so I can make money!

  • Stop worrying. Have you ever seen a worried bird?

  • Yes, work hard but trust God for the results.

    III. God Trusts It To The Faithful.

    • "His master replied, 'Well done, good and faithful servant! You have been faithful with a few things I will put you in charge of many things. Come and share your master's happiness!' -- Matthew 25:21

    • Moreover it is required in stewards that one be found faithful. -- 1 Corinthians 4:2

    • We are stewards not owners of God's resources.

    • Now that we know what business we are in, how is business?

    IV.God Will Hold Us Accountable In The End.

    • "Then the man who had received the one talent came. 'Master,' he said, 'I knew that you are a hard man, harvesting where you have not sown and gathering where you have not scattered seed. So I was afraid and went out and hid your talent in the ground. See, here is what belongs to you.' "His master replied, 'You wicked, lazy servant! So you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest. "'Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him. And throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.' -- Matthew 25:24-30

    Notice it was the servant that got one talent that screwed up, not the one he gave five to.

    V. God Wants Us To Earn It His Way.

    A. No dishonesty


    B. Honestly

    Dishonest money dwindles away, but he who gathers money little by little makes it grow. -- Proverbs 13:11
    An inheritance quickly gained at the beginning will not be blessed at the end. -- Proverbs 20:21

    By Working:

    Then I realized that it is good and proper for a man to eat and drink, and to find satisfaction in his toilsome labor under the sun during the few days of life God has given him--for this is his lot. Moreover, when God gives any man wealth and possessions, and enables him to enjoy them, to accept his lot and be happy in his work--this is a gift of God. -- Ecclesiastes 5:18-19

    He who works his land will have abundant food, but the one who chases fantasies will have his fill of poverty. -- Proverbs 28:19

    By Business:

    By Saving:

    By Planning:

    VI. God Wants Us To Spend It Wisely

    A. Know where you stand.

    • Be sure you know the condition of your flocks, give careful attention to your herds -- Proverbs 27:23

    B. Decide how much is enough.

    • I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well fed or hungry, whether living in plenty or in want. -- Philippians 4:12

    C. Plan & Control your spending.

    • A prudent man sees danger and takes refuge, but the simple keep going and suffer for it. -- Proverbs 22:3

    • But the fruit of the Spirit is love, joy, peace, patience, kindness, goodness, faithfulness, gentleness and self-control. Against such things there is no law. -- Galatians 5:22-23

    D. Decide on right Priorities. Some suggested right priorities:

    • Finish your outdoor work and get your fields ready; after that, build your house -- Proverbs 24:27.

    i. Family:

    • But anyone who won't care for his own relatives when they need help, especially those living in his own family, has no right to say he is a Christian. Such a person is worse than the heathen. -- 1 Timothy 5:8

    ii. Pay your debts:

    When she told the prophet what had happened, he said to her, "Go and sell the oil and pay your debt, and there will be enough money left for you and your sons to live on!" -- 2 Kings 4:7

    iii. Provide for those in need.

    But if someone who is supposed to be a Christian has money enough to live well, and sees a brother in need, and won't help him--how can God's love be within him ? -- 1 John 3:17

    VII. God Wants Us To Give It Generously.

    A. OT Pattern:

    1. Pay your Tithes: (Obligations).

    First ten percent to Levites. (Leviticus 27:30)
    Second ten percent to provide for the festivals. (Deut. 12)
    Third ten percent every three years for the poor. (Deut 14:28)

    B. Offerings: (Freewill)

    For building the Tabernacle/Temple (Exo 35:39) (Ezra 1:4)
    For general giving (2 Chron 31:14)
    For helping those in need. (Est. 9:22)

    OT Principle:

    Obligations were a requirement of the law
    Giving done willingly from the heart

    NT Pattern:

    A. Pay your Obligations

    Taxes (Matt. 17:24-27)
    Debts (Rom 13:8)
    Giving Commitments (2 Cor 9:5)

    B. Give Freely & Generously from the Heart

    • Give to the one who asks you, and do not turn away from the one who wants to borrow from you. -- Matthew 5:42

    • Giving is not an option in Christ's Kingdom. (It is material as well as time)

    • Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously. -- 2 Cor 9:6 NIV

    C. Giving is to be generous.

    • Each man should give what he has decided in his heart to give, not reluctantly or under compulsion, for God loves a cheerful giver. -- 2 Corinthians 9:7

    • Giving is to be done cheerfully whatever you decide .

    • Now about the collection for God's people: Do what I told the Galatian churches to do. On the first day of every week, each one of you should set aside a sum of money in keeping with his income, saving it up, so that when I come no collections will have to be made. - 2 Corinthians 16:1-2

    • Planned & According to your income.

    • Out of the most severe trial, their overflowing joy and their extreme poverty welled up in rich generosity. For I testify that they gave as much as they were able, and even beyond their ability. Entirely on their own, 2 Corinthians 8:2-3

    • Jesus sat down opposite the place where the offerings were put and watched the crowd putting their money into the temple treasury. Many rich people threw in large amounts. But a poor widow came and put in two very small copper coins, worth only a fraction of a penny. Calling his disciples to him, Jesus said, "I tell you the truth, this poor widow has put more into the treasury than all the others. They all gave out of their wealth; but she, out of her poverty, put in everything--all she had to live on." -- Mark 12:41-44

    • How much? Give until it hurts.


    NT Principle:

    • Requirements of the Law all met in Christ. Giving is not under the law but is still a matter of obedience.

    • Still have some obligations you must meet (pertaining to Government, to the church or to those you have freely entered into.)

    • Otherwise, you are free to give wholeheartedly at any amount as God has prospered you.

    The Biblical Principle

    • Honor the LORD with your wealth, with the firstfruits of all your crops then your barns will be filled to overflowing, and your vats will brim over with new wine. -- Proverbs 3:9-10

    • If you value God in your life you will be giving as a natural expression of your love and devotion to Him.

    • Do not offer to the LORD the blind, the injured or the maimed, or anything with warts or festering or running sores. Do not place any of these on the altar as an offering made to the LORD by fire. -- Leviticus 22:22

    • Are you giving God what is first or what is left over?

    Conclusion: Treasure in Heaven & A Crown that will last.

    • When Jesus heard this, he said to him, "You still lack one thing. Sell everything you have and give to the poor, and you will have treasure in heaven. Then come, follow me." -- Luke 18:22

    • Everyone who competes in the games goes into strict training. They do it to get a crown that will not last but we do it to get a crown that will last forever. -- 1 Corinthians 9:25

    Q. What shall we do with our treasure in heaven, with our crown?
    A. Worship Christ.

    Whenever the living creatures give glory, honor and thanks to him who sits on the throne and who lives for ever and ever, the twenty-four elders fall down before him who sits on the throne, and worship him who lives for ever and ever. They lay their crowns before the throne and say: -- Revelation 4:9-10

    Part 2 - Practical Applications in Biblical Stewardship

    The Trust --- Life Capital: All that we are and have (including finances.)

    Matthew 25:14-30: Well Done, Good & Faithful Steward!
    The Contrast: Faithful Steward verses Unfaithful Steward

    Moreover it is required in stewards that one be found faithful. -- 1 Corinthians 4:2

    Practicing the Principles of Biblical Stewardship

    I. Take Stock of your Life Capital

    • Teach us to number our days aright, that we may gain a heart of wisdom. (Psalm 90:12 NIV)

    • Keep the end in mind.

    • "But God said to him, 'You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?' (Luke 12:20 NIV)

    • If God demanded an accounting of your life this night, what would be your fate?

    • Practical Application: Organizing Your Finances must be done in the context of Organizing You Life!

    • Life Vision Statement

    • What is the vision?

    • What are your roles?

    • What are your core values?

    • What are your goals?

    • Inventory of Skills, Abilities, Knowledge, Character Attributes/Weaknesses & Spiritual Gifting

    • What are your God given abilities?

    • What life skills have you acquired?

    • What education do you have?

    • What are your Character strengths & weaknesses

    • What is your Spiritual Gifting?

    • Financial & Legal Inventory

    • What are your material assets?

    • What are your material liabilities?

    • What is your bottom line net worth?

    • Do you have a Will?

    • Do you have Life Insurance?

    • Do you have Disability Insurance?

    II. Put your Life Capital to Work: Sow your Seed.

    • I tell you the truth, unless a kernel of wheat falls to the ground and dies, it remains only a single seed. But if it dies, it produces many seeds. The man who loves his life will lose it, while the man who hates his life in this world will keep it for eternal life. (John 12:24 NIV)

    • Sow your life to the glory of God and you will reap eternal results.

    Practical Application:

    A Life Plan:

    • How does your Life Vision Statement translate into practical goals?

    • Do you have a calendar of when you will do what?

    • What tasks do you have to undertake to accomplish these goals?

    • How will you know when you have achieved your goals?

    • Goals must be SMART: Specific; Measurable; Achievable; Realistic; Time Limited.

    • A Career Plan: What are your Employment Goals?

    • Do you have a plan to advance in your present employment?

    • What experience do you need for advancement?

    • What education do you need for advancement?

    • A Financial Plan: What are your Financial Goals?

    • Annual Income

    • Debt Reduction

    • Tax Reduction

    • Home Equity

    • Investments for Growth

    • Charitable Giving

    • Retirement Savings

    • Emergency Savings

    • Children's Educational Savings

    • Inheritance

    • A Family Budget: How are you going to implement your Financial Plan?

    • What are your expenses?

    • What is your revenue?

    • How are you doing?

    • Have you decided how much is enough?

    • What are your plans for the excess?

    • Are you saving or getting further behind?

    III. Finish Well: Well Done! Good & Faithful Servant!

    • "His master replied, 'Well done, good and faithful servant! You have been faithful with a few things; I will put you in charge of many things. Come and share your master's happiness!' (Matthew 25:21 NIV)

    • Faithfulness (even in the small matters) will be rewarded with praise and will result in fruitfulness & joy.

    • "His master replied, 'You wicked, lazy servant! So you knew that I harvest where I have not sown and gather where I have not scattered seed? Well then, you should have put my money on deposit with the bankers, so that when I returned I would have received it back with interest. "'Take the talent from him and give it to the one who has the ten talents. For everyone who has will be given more, and he will have an abundance. Whoever does not have, even what he has will be taken from him. And throw that worthless servant outside, into the darkness, where there will be weeping and gnashing of teeth.' (Matthew 25:26-30 NIV)

    • Wickedness (Sin) & Slothfulness (Unbelief) are evidence for unfaithfulness.

    • Unfaithfulness will cause loss, spiritually as well as financially.

    • Unfaithfulness will be rewarded with condemnation and will result in sorrow and regret.

    Practical Application:

    Focus: What is the one thing you can do well? · Faith: How intimate is your relationship with Christ? · Friendship: Who can you be accountable to? · Discipline: Do you have the discipline to do what is important and to finish the job? · Learner: Do you have a positive learning attitude?

    Conclusion: Finish Faithfully

    I have fought the good fight, I have finished the race, I have kept the faith. (2 Timothy 4:7 NIV)

    It's not a matter of whether you win or loose, it is how you play the game - faithfully.

    If an investor needs Christian financial help should they hire a Christian Financial Planner? Yes! The main reason is because the investor and advisor are both Christians, they share similar values. The advisor understands Biblical principles such as tithing, budgeting, saving, investing and giving. After the initial interview process of numerous financial related questions, the financial advisor can identify areas of improvement for the client.

    Npw if your a person whom had to live on Social Security Benefits with them giving you :Medicare, or Medicade for the rest of your natural born life. There are other factors that happenes to a person when having to live on it and thier guideline and they will limit a persons income to thier estimated rates of what a person had earned when they worked. And if you are disabled this is what they do go by in getting help from them.Learn About Social Security Programs

    Prepare for your financial needs

    Your Social Security benefits are the foundation on which you can build a secure retirement. The three major elements of your retirement portfolio are:

    • Benefits from pensions,
    • Savings and investments, and
    • Social Security benefits.

    Most financial advisors say you'll need about 70 percent of your pre-retirement earnings to comfortably maintain your pre-retirement standard of living. If you have average earnings, your Social Security retirement benefits will replace only about 40 percent. The percentage is lower for people in the upper income brackets and higher for people with low incomes. You'll need to supplement your benefits with a pension, savings or investments.

    To help you plan for retirement, each year we send you your personal Social Security Statement, which gives you an estimate of the monthly benefit amounts you and your family may qualify for now and in the future. If you've received your Social Security Statement and have questions about it, visit the My Statement website.

    We also provide a Benefits Planner to help in the event of disability or loss of your family’s wage earner.

    Factors that may affect your retirement benefits

    Your benefit amount is based on your earnings averaged over most of your working career. Higher lifetime earnings result in higher benefits. If you have some years of no earnings or low earnings, your benefit amount may be lower than if you had worked steadily.

    Your benefit amount also is affected by your age at the time you start receiving benefits. If you start your retirement benefits at age 62 (the earliest possible retirement age) your benefit will be lower than if you wait until your full retirement age.

    If you are self-employed

    Self-employed people must report their earnings and pay the taxes directly to the IRS. You are self-employed if you operate a trade, business or profession, either by yourself or as a partner.

    You report your earnings for Social Security when you file your federal income tax return. If your net earnings are $400 or more in a year, you must report your earnings on IRS Schedule SE for Social Security purposes, in addition to the other tax forms you must file.

    If you work for a federal, state or local government

    If you work for a federal, state or local government where you do not pay Social Security taxes, the pension you receive from that agency may reduce any Social Security benefits for which you are qualified. There are two factors that may reduce your benefits.

    • The first factor affects the way your Social Security retirement or disability benefits are figured. Our Windfall Elimination Provision fact sheet provides answers to questions you may have about this provision.

    • The second factor affects Social Security benefits you receive as a spouse or widow/widower. Our Government Pension Offset fact sheet provides answers to questions you may have about this provision.

    You can get more information on our website for Federal, State & Local Government Employees.

    If you work outside the United States

    If you work outside the United States (U.S.) for an American company or, in some cases, an affiliate company of an American company, you and your employer may have to pay Social Security taxes on the same earnings to both the U.S. and the foreign country. But, if you work in one of the agreement countries shown in our fact sheet, How International Agreements Can Help You:

    • Your Social Security coverage will be assigned to either the U.S. or the foreign country, and

    • You and your employer don't have to pay taxes to both countries.

    You can get more information about work outside the U.S. on our International Programs website.

    Prepare for your medical needs

    Medicare is a health insurance plan for people who are 65 or older and people who are disabled or have permanent kidney failure. Medicare has three parts—hospital insurance, medical insurance and prescription drug coverage. Most people have all three parts.

    • Hospital insurance, sometimes called Part A, covers inpatient hospital care and certain follow-up care. You already paid for it as part of your Social Security taxes while you were working.

    • Medical insurance, sometimes called Part B, pays for physicians' services and some other services not covered by hospital insurance. Medical insurance is optional, and you must pay monthly premiums.

    • Prescription drug coverage, sometimes called Part D, pays for prescription drugs. Prescription drug coverage is optional, and you must pay monthly premiums. However, you also may be able to get extra help paying the monthly premiums, annual deductible and prescription co-payments.

    If you are already getting Social Security benefits when you turn 65, your Medicare (Part A) starts automatically. If you are not getting Social Security, you should sign up for Medicare close to your 65th birthday, even if you aren't ready to retire. For more information, see our Medicare booklet.

    If you are already receiving disability or survivors benefits when you apply for retirement

    If you are receiving disability benefits when you reach full retirement age, nothing will change, except that your benefits will be called retirement benefits instead of disability benefits.

    If you are receiving survivors benefits and you also are eligible for your own higher retirement benefits, you can switch from survivors to retirement benefits as early as age 62. (In many cases, widows/widowers can begin receiving one benefit at a reduced rate and switch to the other benefit at an unreduced rate at full retirement age.) However, if you switch, you will be paid only the higher of the two benefits, not both.

    What you need to know ...

    Have limited income? Social Security can help with prescription costs.

    Get Accessible Acrobat Reader
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    You can still sign up for a Medicare Prescription Drug plan and pay no penalty for 2006 if you qualify for extra help with Medicare prescription drug costs. Medicare beneficiaries eligible for the extra help have a special enrollment period that allows them to enroll in a plan between May 15 and December 31. Medicare beneficiaries are eligible for the extra help if they have limited income and resources. The extra help can increase your cost savings by paying for part of the monthly premiums, annual deductibles and prescription co-payments under the new prescription drug program. The extra help could be worth an average of $3,700 per year.

    The Medicare Prescription Drug, Improvement and Modernization Act of 2003 (P.L. 108-173), enacted December 8, 2003, requires the Social Security Administration (SSA) to undertake a number of additional Medicare-related responsibilities. SSA and the Centers for Medicare & Medicaid Services (CMS) are working together to provide persons with limited income and resources extra help paying for their prescription drugs. Social Security's role in this partnership is to help the public understand how they may qualify and apply.

    Apply Online:

    Whether you're filing on your own behalf or helping someone file the application, submit the Internet application to us right away to avoid delaying the extra help.

    Additional Resources
    You may qualify for other programs to help you purchase your prescriptions. Below, are additional web sites with calculators and other tools designed to help you make informed decisions when it comes to managing your prescription drug costs.

    SSA-1020

    Sample: Application for Help with Medicare Prescription Drug Plan Costs, Get Acrobat reader SSA-1020. Instruction sheets are available in 15 different languages to help you understand the English application. The instructions are to be used as guides and cannot be used as applications. Arabic, Armenian, Chinese, Farsi, French, Greek, Haitian-Creole, Italian, Korean, Polish, Portuguese, Russian, Spanish, Tagalog, Vietnamese

    The actual applications are available only in English and Spanish. You must complete either an English or Spanish scannable paper application or you can apply online (English only).

    SSA-1021

    Information About Vendor Follow-Up Calls

    Prescription Help Publications

    Video Resources

    Informational Video about Help Available to Pay Costs of Medicare's New Prescription Drug Program

    The Official U.S. Government Site for People with Medicare

    Medicare Website

    Although Social Security determines entitlement to Medicare benefits, the Medicare program is administered by a different agency, the Centers for Medicare & Medicaid Services (CMS). There also is a Medicare Web site. You can call 1-800-MEDICARE (1-800-633-4227) to speak to a Medicare Customer Service Representative. TTY users should call 1-877-486-2048.

    General Information


    Evidentiary Requirements


    Adult Listings (Part A)


    Childhood Listings (Part B)

    Disability Evaluation Under Social Security
    (Blue Book- January 2005)


    Part III - Listing Of Impairments (Overview)


    The Listing of Impairments describes, for each major body system, impairments that are considered severe enough to prevent a person from doing any gainful activity (or in the case of children under age 18 applying for SSI, cause marked and severe functional limitations). Most of the listed impairments are permanent or expected to result in death, or a specific statement of duration is made. For all others, the evidence must show that the impairment has lasted or is expected to last for a continuous period of at least 12 months. The criteria in the Listing of Impairments are applicable to evaluation of claims for disability benefits or payments under both the Social Security disability insurance and SSI programs.

    Part A

    This section of the Listing of Impairments contains medical criteria that apply to adults age 18 and over. The medical criteria in Part A may also be applied in evaluating impairments in persons under age 18 if the disease processes have a similar effect on adults and younger persons.

    Part B

    This section of the Listing of Impairments contains additional medical criteria that apply only to the evaluation of impairments of persons under age 18. Certain criteria in Part A do not give appropriate consideration to the particular effects of the disease processes in childhood, i.e., when the disease process is generally found only in children or when the disease process differs in its effect on children and adults.

    Additional criteria are included in Part B, and the impairment categories are, to the extent possible, numbered to maintain a relationship with their counterparts in Part A. In evaluating disability for a person under age 18, Part B will be used first. If the medical criteria in Part B do not apply, then the medical criteria in Part A will be used.

    The criteria in the Listing of Impairments apply only to one step of the multi-step sequential evaluation process. At that step, the presence of an impairment that meets the criteria in the Listing of Impairments (or that is of equal severity) is usually sufficient to establish that an individual who is not working is disabled.

    However, the absence of a listing-level impairment does not mean the individual is not disabled. Rather, it merely requires the adjudicator to move on to the next step of the process and apply other rules in order to resolve the issue of disability.

    SSA Pub. No. 64-039
    ICN 468600
    January 2005


Medical/Professional Relations


Childhood Listings (Part B)


General Information


Evidentiary Requirements


Listing of Impairments
(overview)





Disability Evaluation Under Social Security
(Blue Book- January 2005)

Listing of Impairments - Adult Listings (Part A)

The following sections are applicable to individuals age 18 and over and to children under age 18 where criteria are appropriate.

This electronic version contains the new Genitourinary Impairments listings, effective September 6, 2005; the new Impairments That Affect Multiple Body Systems listings, effective October 31, 2005; and the new Cardiovascular System listings, effective April 13, 2006.

What you need to know ...

Have limited income? Social Security can help with prescription costs.

Get Accessible Acrobat Reader
Get Accessible
Acrobat Reader

New
You can still sign up for a Medicare Prescription Drug plan and pay no penalty for 2006 if you qualify for extra help with Medicare prescription drug costs. Medicare beneficiaries eligible for the extra help have a special enrollment period that allows them to enroll in a plan between May 15 and December 31. Medicare beneficiaries are eligible for the extra help if they have limited income and resources. The extra help can increase your cost savings by paying for part of the monthly premiums, annual deductibles and prescription co-payments under the new prescription drug program. The extra help could be worth an average of $3,700 per year.

The Medicare Prescription Drug, Improvement and Modernization Act of 2003 (P.L. 108-173), enacted December 8, 2003, requires the Social Security Administration (SSA) to undertake a number of additional Medicare-related responsibilities. SSA and the Centers for Medicare & Medicaid Services (CMS) are working together to provide persons with limited income and resources extra help paying for their prescription drugs. Social Security's role in this partnership is to help the public understand how they may qualify and apply.

Apply Online:

Whether you're filing on your own behalf or helping someone file the application, submit the Internet application to us right away to avoid delaying the extra help.

Additional Resources
You may qualify for other programs to help you purchase your prescriptions. Below, are additional web sites with calculators and other tools designed to help you make informed decisions when it comes to managing your prescription drug costs.

SSA-1020

Sample: Application for Help with Medicare Prescription Drug Plan Costs, Get Acrobat reader SSA-1020. Instruction sheets are available in 15 different languages to help you understand the English application. The instructions are to be used as guides and cannot be used as applications. Arabic, Armenian, Chinese, Farsi, French, Greek, Haitian-Creole, Italian, Korean, Polish, Portuguese, Russian, Spanish, Tagalog, Vietnamese

The actual applications are available only in English and Spanish. You must complete either an English or Spanish scannable paper application or you can apply online (English only).

SSA-1021

Information About Vendor Follow-Up Calls

Prescription Help Publications

Video Resources

Informational Video about Help Available to Pay Costs of Medicare's New Prescription Drug Program

The Official U.S. Government Site for People with Medicare

Medicare Website

Although Social Security determines entitlement to Medicare benefits, the Medicare program is administered by a different agency, the Centers for Medicare & Medicaid Services (CMS). There also is a Medicare Web site. You can call 1-800-MEDICARE (1-800-633-4227) to speak to a Medicare Customer Service Representative. TTY users should call 1-877-486-2048.

There is people that are limited to what, where, when,how they are to spend there mone and often times enough it just doesen't go far at all. They would like to have things to buy in one's life like a newer car, nicer clothes, items that could help them in homes to update it to where it's not shabby, or years that have torn down when people wanted to make it look nice for when people come to visit. nicer inside porches with screens in windows to keep the incets away or to shad them from the heat with airconditioners. But it can't get done with being on such an low- income thaat comes to them. It's just not going to happen . And often times when people whom had jobs in the past has many people being so very rude to them about it that don't have it today in these times. Some of them had emplyers that didn't take out social security benefits out on them, and when they had found this out then it was to late for them to sue them because they had went and died on them after thy had to go on disability. So things have happened to the people to which if people would take the time to hear why things happened to them in stead of ridiculing them then just maybe people could get along much better. But they are to busy with thier own plans and designs to find out anything about people in general whom are on the state income levels. Then we have to alway's rob peter to pay paul to try to make it with high bills that the state goverment offical raises yearly and we just stay the same on a peeny rates of incomes. Plus have the goverment high ranking officals taking it and spending it for one's own agendas which don't help us as a whole whom had to live on it. That's what burns us up because of those types of things going on. We arn't like those millionairs that have high rolling dollars and cents that just don't care about people like us whom have to go to places for help every month and beg for everything we try to achieve and then get turned down alot because of the statment that goes like this " I'm sorry we now it closed for you because it's now winter or summer" and you have to try to have family members to help you . Because we can't get grants in here because of the seasonal change now ! Yea, right ! thanks but No ! thanks ! anyway's .there countless of people like self out in this world whom are just like me whom deals with that stinkin RED tape day after day and year after year! And people either gets mad or they just don't care about people and alway's have agenda's of thier own demises. We the people alway's puts up with that kind of thinking daily and yearly. And we are alway's look down upon by people with money and have large bank accounts or the lower middle people whom work for a living that acts just like people with large amounts of money , they act like each other and it just doesn't stop for the low- income people at all. They just don't stop and think that we have had jobs and have worked for our money at one time and this is what we are left with now. The only thing that saves us , churches, counsling, and most of Jesus Christ with being on our knees alot . for that knowledge I'm greatful to know he cares for all people and he wants us just the same.He loves all people No matter what, where, how, when we became his people at any time day or night. He don't talk about us in a decitful way, nor ridicul,or gossip about his people or say negitive things at all ! And as far as paying bills they sure are rude to people like us because some of us just can't get any kind of help to keep it paid in full all of the time because of the limited rescourses that are out there for us and we often time get shut - off because of this stuff that hurts us in the families or single people in general, elderly. Some of us just hates asking people to help us out!because we can't get the money back to them and it hurts us so very much just to ask people. Yes, some people take advantage of people and it hurts other's whom truly do need that help in this world and that really hurts people whom are really trying to do good in one's own life. It like a no - win solution for many of us in this world. It just ticks our backsides when we hear those things and they wonder why people like us lives in the streets. that's why for some of us in having to have this types of things happens tous all the time. I often wonder in my heart is what will people of money going to do when they actually meet Jesus Chrit comes judgement day and hears what He has to say to people whom does stuff like I have explained right noe this very moment. What will thier answer be ? That will between them and Jesus Christ only at that particular moment and time for all individuals. People like us just can't affor new cars, nice yards, new decks, sheds to put things in to get them out of the home, food, heat, better windows, screens, front doors,back doors,alarms systems, new furniture, kitchen stuff, landscaping, swimming pools. But the rich sure can and have it done more than the low-income people can even count in one's life. let alone having a fancy dinner out where most people go with money that leaves tips for those whom waits on them when they arrive in making a reserve a table etc. It's just not there for us at all.let alone might as well getting gas for a nice vacation either just to get away for a spell.some people just can't do it at all ! so this is how it truly is for the majority of us whom has to live like this. I hope you all have a fine life and by the way may God Bless Each of you. catcmo2006

posted by Anonymous @ 6:48 PM  

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