Money Matters

By Ellis Liddell

lessings and greetings to the Pentecostal Assemblies of the World (PAW) family. In this inaugural article, we will discuss varying techniques to accomplish Wealth creation. You can achieve this by adopting a few techniques such as paying your bills on time mortgages, credit cards, and car loans. However, your credit score can negatively affect your car insurance rates and even life insurance premiums. Consequently, develop good habits and be vigilant in protecting and sustaining a good credit history. Check your credit B By Evangelist Lynne E. Shivers to improve your credit score, refinancing your home report as part of your ongoing maintenance and take to lower the cost of your mortgage, approaching the advantage of the free annual credit report provided by cost of college education from a holistic perspective, Experian, Equifax, and Transunion. investing disposable income that exceeds 3 to 6 months emergency savings, participating in company-sponsored Mortgage financing is one of the biggest expenses retirement savings plans and lastly, supporting the you will face in a lifetime, followed by the cost of ministries that uplift your spirit and state of mind. transportation once you start a family, and financing the cost of educating your children. Refinancing your Paying bills on time is an initial step in this process. With mortgage to lower your interest rate, for example, from the U.S. mail running a couple of weeks behind, ensure a 3.99% interest rate to a lower rate of 2.99% for your payments arrive on time to avoid late payments and which you now qualify, will save you tens of thousands fees that adversely affect your credit report and score, of dollars on a 15 year and thousands on a 30-year also known as building your credit file (FICO Scores). As mortgage. Often, the difference between a 15 year and an added step, go online to check your accounts’ due 30-year mortgage may only be, $200 - $300 per month. dates and payments due. To be more consistent with If it is not in your budget, a 20-year option may be more your payment history, consider setting up recurring suitable. Another strategy to paying off your mortgage payments such as for your mortgage and car payments earlier are bi-weekly payments or paying one additional as they are usually static. In general, automate as many annual payment to the principal. The latter option of your bills as possible to avoid the pitfalls of forgetting seems simple but takes discipline; therefore, you will to pay on time. need to devise a workable plan. The objective with your mortgage is to pay it off as early as possible to increase Credit scores drive the cost of credit, the higher the score your disposable income and become debt-free the closer the lower the cost of credit. Most individuals with an you get to achieving your retirement objectives. 800 or higher (850 highest for most credit bureaus) FICO score, do not carry a monthly credit card balance and pay Regardless of where you start in life, you can build off their balances within 20 days of making a charge. wealth. All it takes is a plan and a solid foundation to When we think of credit scores, we normally think of improve your relationship with your money.

Ellis Liddell is the President of various ELE entities in Southfield, MI. He is also the author of “Wealth Management: Merging Faith with Finance” and a member of the Million Dollar Roundtable. Securities offered through ELE Wealth Advisors, Inc., member FINRA. Advisory services offered through ELE Advisory Services, Inc. ELE Wealth Advisors and ELE Advisory Services, LLC are affiliated through common ownership and control. Ellis Liddell is a member of Greater Grace Temple in Detroit, Mi, under the leadership of Bishop Charles H. Ellis III.

Recipe Page

Faith Apostolic Church

2001 Heron Johnson Drive Birmingham, AL 35211 (205)-925-6098

www.faithapostolic-al.org

Suffragan Bishop Michael Bender, Pastor

Lady D’s Sweet Tea

Ingredients

1 Large Can Country Time Lemonade 10 bags of boiled Lipton tea 1 Full bag of All purpose sugar

Instructions

Mix together and enjoy!

Greater Christ Temple Church

2400 10th Avenue South Nashville, TN 37204 (615) 297-7639

www.greaterchristtemplechurch.org

Bishop Sherman L. Merritt, Sr., Pastor Submitted by Sis. Kia Reaves

Barbeque Nachos (non-dairy)

Ingredients

2 oz of brisket ¼ cup of seasoned black beans 3 oz of pulled pork ¼ cup Del Monte whole ½ red bell pepper kernel fire roasted corn ½ orange bell pepper 1/3 medium tomato, chopped 1/3 medium onion, chopped 2 tsp Gourmet Garden 36 Mission strips tortilla chips lightly dried cilantro (can 14 slices of pickled jalapenos use fresh cilantro)

Homemade Salsa

Ingredients

2 large tomatoes, diced 1/2 jalapeno, add more to taste 1/2 sweet onion 1/2 teaspoon garlic 1/2 teaspoon salt, add more to taste 1 lime, juiced

Instructions

Add all ingredients to a bowl in the order listed and let sit for 30 minutes. Serve with your favorite nacho chips and enjoy!

Do you have a special recipe? Contact us as at

TheChristianOutlook@pawinc.org Cheese sauce

1 slice of American Violife cheese (non-dairy) 2 oz of Violife cheddar shreds (non-dairy) 2 oz of Violife mozzarella shreds (non-dairy) 1/3 cup unsweetened Almond milk

Instructions

Cut up bell peppers and onions, add to a skillet with a drizzle with olive oil, season with salt, pepper, and garlic powder, sauté until soft, add pulled pork and brisket. Season meat and pepper mixture with garlic powder, onion powder, and smoked paprika. Once meat mixture is hot, turn oven down to low. In a separate pot, combine black beans and corn. Season with pepper, smoked paprika, garlic powder, onion powder (add salt if needed). Once black beans and corn are hot, turn oven down to low.

Cheese sauce

Pour unsweetened almond milk into a small saucepan, turn oven to medium heat, add in cheeses, stir until melted, season with Adobe seasoning, garlic powder and onion powder. Taste to ensure that no additional salt is needed, since Adobe seasoning has salt in it. Add additional cheese if the consistency is not thick enough. Once desired consistency is reached, turn oven down to low.

Assembly

First layer – add half of the tortilla chips to a plate, spoon black beans and corn over tortilla chips, add half of the meat mixture, sprinkle half of the chopped tomatoes and drizzle half of the cheese sauce over the tortilla chips, top with half the jalapenos and 1 tsp of the lightly dried cilantro. For the second layer, add the rest of the tortilla chips and repeat the other steps. You can garnish with non-dairy sour cream and salsa.