Clock Ticking for First Time Home Buyers
 With mortgage rates at record lows, bargain home prices and the $8,000 first-time home-buyer credit set to expire Nov. 30, the clock is ticking for first time home buyers to take advantage of what's deemed to be the best buyer market in the history of real estate. We may never see rates this low again. What has caused rates to stay artificially low? At the beginning of this year the Federal Reserve announced they'd be purchasing Mortgage Backed Securities from Freddie Mac, Ginnie Mae and Fannie Mae. This bail out ends on Dec 30, 2009 and rates are expected to jump after this date. Case in point, don't miss the boat! You must close on a home by Nov 30th, 2009 to take advantage of the tax credit. A typical home purchase takes 30 days from the time you find a house until closing. The average time it takes buyers to find a home is 3 months.
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How to Hear God's Voice
When I was first saved, everyone was telling me to follow God's voice. At first I thought, what voice? What does it sound like? Does he have a Jersey accent? Tawk to me God!
I don't hear it.
Then I learned that God has given us direction as to how we can determine His voice. It involves a few tests. The first test is the confirmation of God's written Word - the Bible. Be careful not to read the written Word with any preconceived ideas of what it is saying. The second test is the confirmation of godly counsel. God has placed people in our lives to help us to hear His voice. These people may include pastors, teachers, parents, and godly friends. The third test is confirmation through circumstances. Christians can carefully studying their situation for indications of God's will. Learn More About How to Hear God's Voice
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