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"Wealth Building 101" is a practical guide that helps readers understand the fundamentals of creating wealth and achieving financial freedom. The book covers topics such as saving, investing, budgeting, and managing debt, providing readers with actionable steps to improve their financial situation and build long-term wealth. It is a comprehensive resource for individuals looking to enhance their financial literacy and secure their financial future.

John Alexander Dowie

John Alexander Dowie By John Alexander Dowie (1847 – 1907) I sat in my study in the parsonage of the Congregational Church at Newtown, a suburb of the beautiful city of Sydney, Australia. My heart was very heavy, for I had visited the sick and dying beds of more than thirty of my flock, and I had cast the dust to its kindred dust into more than forty graves within a few weeks. Where, oh where, was He Who used to heal His suffering children? No prayer for healing seemed to reach His ear, and yet I knew His hand had not been shortened. Still it did not save from death even those for whom there was so much in life to live for God and others. Strong men, fathers, good citizens, and more than all, true Christians sickened with a putrid fever, suffered nameless agonies, passed into delirium, sometimes with convulsions, and then died. Oh, what aching voids were left in many a widowed or orphaned heart. There were many homes where, one by one, the little children, the youths and the maidens lay stricken, and after a hard struggle with the foul disease, they too, lay cold and dead. It seemed sometimes as if I could almost hear the triumphant mockery of evil ringing in my ear whilst I spoke to the bereaved ones the words of Christian hope and consolation. Disease, the foul offspring of its father, Satan, and its mother Sin, was defiling and destroying the earthly temples of God’s children and there was no deliverance. There I sat with sorrow-bowed head for my afflicted people, until the bitter tears came to relieve my burning heart. Then I prayed for some message, and oh, how I longed to hear some words from Him Who wept and sorrowed for the suffering long ago, a Man of Sorrows and Sympathies. The words of the Holy Ghost inspired In Acts 10:38, stood before me all radiant with light, revealing Satan as the Defiler, and Christ as the Healer. My tears were wiped away, my heart strong, I saw the way of healing, and the door thereto was opened wide, so I said, “God help me now to preach the Word to all the dying around, and tell them how Satan still defiles, and Jesus still delivers, for He is just the same today.” A loud ring and several raps at the outer door, a rush of feet, and there at my door stood two panting messengers who said, “Oh, come at once, Mary is dying; come and pray. “With just a feeling as a shepherd has who hears that his sheep are being torn from the fold by a cruel wolf, I rushed from my house, ran without my hat down the street, and entered the room of the dying maiden. There she lay groaning and grinding her clenched teeth in the agony of the conflict with the destroyer. The white froth, mingled with her blood, oozing from her pale and distorted mouth. I looked at her and then my anger burned. “Oh,” I thought, “for some sharp sword of heavenly temper keen to slay this cruel foe who is strangling that lovely maiden like an invisible serpent, tightening his deadly coils for a final victory.” In a strange way, It came to pass; I found the sword I needed was in my hands, and in my hand I hold it still and never will I lay It down. The doctor, a good Christian man, was quietly walking up and down the room, sharing the mother’s pain and grief. Presently he stood at my side and said, “Sir, are not God’s ways mysterious?” Instantly the sword was flashed in my hand, the Spirit’s sword, the Word of God. “God’s way?!” I said, pointing to the scene of conflict, “How dare you call that God’s way of bringing His children home from earth to Heaven? No sir, that is the devil’s work and it is time we called on Him Who came to destroy the work of the devil, to slay that deadly foul destroyer, and to save this child. Can you pray, Doctor, can you pray the prayer of faith that saves the sick?” At once, offended at my words, my friend was changed, and saying,” You are too much excited, sir, it is best to say ‘God’s will be done,’” and he left the room. Excited?! The word was quite inadequate for I was almost frenzied with divinely imparted anger and hatred of that foul destroyer, disease, which was doing Satan’s will. “It is not so,” I exclaimed, “no will of God sends such cruelty, and I shall never say ‘God’s will be done’ to Satan’s works, which God’s own Son came to destroy, and this is one of them.” Oh, how the Word of God was burning in my heart: “Jesus of Nazareth went about doing good, and healing all that were oppressed of the devil; for God was with Him.” And was not God with me? And was not Jesus there and all His promises true? I felt that it was even so, and turning to the mother I inquired,” Why did you send for me?” To which she answered, “Do pray, oh pray for her that God may raise her up.” So we prayed. What did I say? It may be that I cannot recall the words without mistake, but words are in themselves of small importance. The prayer of faith may be a voiceless prayer, a simple heartfelt look of confidence into the face of Christ. At such moment, words are few, but they mean much, for God is looking at the heart. Still, I can remember much of that prayer unto this day, and asking God to aid, I will attempt to recall it. I cried, “Our Father, help! and Holy Spirit, teach me how to pray. Plead Thou for us, oh, Jesus, Savior, Healer, Friend, our Advocate with God the Father. Hear and heal, Eternal One! From all disease and death, deliver this sweet child of yours. I rest upon the Word. We claim the promise now. The Word is true, ‘I am the Lord that heals thee.’ Then heal her now. The Word is true, ‘I am the Lord, I change not.’ Unchanging God, then prove Yourself the healer now. The Word is true. ‘These signs shall follow them that believe in My Name, they shall lay hands on the sick, and they shall recover.’ And I believe and I lay hands in Jesus’ Name on her and claim this promise now. Your Word is true. ‘The prayer of faith shall save the sick. Trusting in You alone. I cry. Oh, save her now, for Jesus’ sake. Amen!” Then, the maid lay in sleep so deep and sweet that the mother asked in a low whisper, “Is she dead?” “No,” I answered, in a whisper lower still. “Mary will live; the fever is gone. She is perfectly well and sleeping as an infant sleeps.” I was smoothing the long dark hair from her now peaceful brow, and feeling the steady pulsation of her heart and cool moist hands. I saw that Christ had heard, and that once more, as long ago in Peter’s house, “He touched her and the fever left her.” Turning to the nurse, I said, “Get me at once, please, a cup of cocoa and several slices of bread and butter.” Beside the sleeping maid we sat quietly and almost silently until the nurse returned, and then I bent over her and snapping my fingers called, “Mary!” Instantly she woke, smiled and said, “Oh, sir, when did you come? I have slept so long;” then stretching her arms out to meet her mother’s embrace, she said, “Mother, I feel so well.” “And hungry, too?” I asked, pouring some of the cocoa in a saucer and offering it to her when cooled by my breath. “Yes, hungry too,” she answered with a little laugh, and drank and ate again, and yet again until all was gone. In a few minutes, she fell asleep, breathing easily and softly. Quietly thanking God. We left her bed and went to the next room where her brother and sister also lay sick of the same fever. With these two, we prayed and they were healed too. The following day all three were well and in a week or so they brought me a little letter and a gift of gold, two sleeve links with my monogram, which I wore for many years. As I went away from the home where Christ as the Healer had been victorious, I could not but have somewhat in my heart of the triumphant song that rang through Heaven, and yet I was not a little amazed at my own strange doings, and still more at my discovery that He is just the same today. Excerpt from the Sermons of John Alexander Dowie Champions of Faith by Gordon Lindsay

we cannot cling to bitterness and god

Forgiveness . Even the word can make us bristle. Past wounds instinctively spring to mind, making forgiveness feel impossible (or at least unnatural). What feels natural is dwelling on the horrible things that others have done to us, rehearsing their wrongs and plotting our retaliation, if only in our imagination. I know. I have nursed my anger as I have lingered over the ways people have hurt me. A close friend who ended our long-standing relationship over a misunderstanding. A woman whom I mentored for years who slandered me to others. My husband who unexpectedly left me for someone else. The doctor whose careless mistake ended my son’s life. “We cannot hold on to bitterness and hold on to God.” I remember sitting in a counselor’s office, talking about a deep betrayal. When the counselor mentioned forgiveness, I was furious. It felt like he was suggesting I offer that person a “get out of jail free” card, which was unthinkable after all I had suffered. Just hearing the word made me angry.  Why should I forgive?  Especially when the person didn’t even seem sorry. But as my counselor unpacked the biblical principles of forgiveness, I couldn’t ignore his words. I realized I had not fully understood what forgiveness was — and what it was not. What Forgiveness Is and Is Not There are many definitions of forgiveness, but a simple one is  to surrender the right to hurt others in response to the way they’ve hurt us . Forgiveness means refusing to retaliate or hold bitterness against people for the ways they have wounded us. It is a unilateral act — not conditional on the person being repentant or even willing to acknowledge what they’ve done. Forgiveness is  not  saying that sin doesn’t matter. It is not approving of what the other person has done, minimizing the offense, or denying we’ve been wronged. Forgiveness  is  acknowledging that the other person has sinned against us and may never be able to make it right. The apostle Paul writes, “Be kind to one another, tenderhearted, forgiving one another,  as God in Christ forgave you ” (Ephesians 4:32). If God in Christ forgave us, then forgiving someone  cannot  mean diminishing the wrong they’ve done. God could never do that with sin and remain just. Forgiveness doesn’t always mean reconciliation or restoration. And it does not require restoring trust or inviting the people who hurt us back into a relationship. Forgiveness is unconditional, but meaningful reconciliation and restoration are conditional (in the gospel and in human relationships) on the offender’s genuine repentance, humble willingness to accept the consequences of his actions, and a desire by both parties to work on the relationship. Forgiving people also doesn’t mean they won’t experience consequences for their sin. When we forgive them, however, we leave those consequences to God, who says, “Vengeance is mine, I will repay” (Romans 12:19). This doesn’t mean we may not pursue legal action, if warranted, against someone who has hurt us. In certain circumstances, that may be vital for the rehabilitation of the offender or for protecting other potential victims. Forgiveness is costly. In the Bible, it involves shedding blood (Hebrews 9:22). Sacrifice. Death. Honestly, the first step of forgiveness still often feels like death. I want to cling to my right to be angry and often resent being asked to give that up. It all seems so unfair. My flesh still demands some type of retribution. My resistance shows me I need God’s help to understand forgiveness and to truly forgive. Where Do We Begin? I have often had to say,  Lord, I don’t want to forgive now, but could you make me willing to forgive? You have forgiven all my sins and I know anything I forgive others is small by comparison  (Matthew 18:21–35).  But I cannot do this without you. Please help me. Often, I have to repeat this prayer until God changes my heart. When he does, he usually helps me see the wounds of the person who has hurt me — wounds that do not diminish, justify, or excuse the offense, but that do soften my attitude toward the person. Once I am engaged in wanting to forgive, I begin the process of forgiveness by naming what has happened and all the negative repercussions from the person’s actions and words. I include everything. What I’ve lost. What’s been hard. How it’s made me feel. I want to know what I’m letting go of before I forgive so I can move forward, knowing I have counted the cost. For most offenses, forgiveness is both an initial decision to let go of bitterness as well as a long, ongoing process. When offenses come to mind and painful memories resurface, I must intentionally stop rehearsing them and ask the Lord to help me release those thoughts and practice forgiveness. Why Forgiveness Is Vital to Joy For years I didn’t realize the importance of forgiveness and somehow assumed it was optional; now I see it as a command. “As the Lord has forgiven you,” Colossians 3:13 says, “so you also  must  forgive.” So to truly forgive those who have wronged us, we must first receive God’s forgiveness, acknowledging our need before him, which empowers us to forgive others. Christian forgiveness is vertical before it is horizontal. Throughout Scripture, our Lord intertwines his forgiveness of us with our forgiveness of others (Matthew 6:14–15). And like all of his commands, it is always for our good. “Joy and sorrow often coexist, but joy and bitterness cannot.” Forgiving those who have hurt us sets us free. It keeps bitterness from taking root, bitterness that would defile us and everyone around us (Ephesians 4:31). When we cling to resentment, we unknowingly give our offender ongoing power over our hearts, which keeps us enslaved to our anger. This prison we have created pulls us away from our Lord because we cannot hold on to bitterness and hold on to God. Correspondingly, forgiving those who have wronged us releases the hold of bitterness on us. God, who has forgiven our enormous debt, gives us the power to forgive others. It is his power, not ours. This is the miracle of Christian forgiveness: when we forgive, Christ does something profound in us and for us. Those wounds inflicted by others firmly graft us into Christ, the vine, and his life flows all the more powerfully through us. The process unleashes God’s power in our lives in an unparalleled way, making forgiveness one of the most life-changing steps we ever take. Forgiveness, Freedom, and Peace Joy and sorrow often coexist, but joy and bitterness cannot. Bitterness and unforgiveness rob our lives of vitality, peace, and the refreshing joy of God’s presence. We see the power of forgiveness and grace in the lives of Joseph (Genesis 50:15–21) and Job (Job 42:7–10), who both forgave those who wronged them. And we see the hold of unforgiveness and rage on others like Joash, who murdered the priest who disagreed with him (2 Chronicles 24:20–22), and even on Jonah, who was angry at God’s compassion (Jonah 4:1–3). Being able to forgive not only changes our present; it changes our future. When we forgive, we can begin walking in freedom and joy. I don’t know where you are in your journey of forgiveness. Perhaps the wound for you is still fresh, and you need time to process all that’s happened. Maybe you’ve been holding on to bitterness for a long time, and God is asking you to let go. If that’s you, I encourage you to pray. To trust God. To forgive your offender. You won’t regret it. And after you have forgiven, after you’ve been released from the prison of bitterness, you may be amazed at how quickly God begins to flood your life with the joy and peace you lost.

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