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4. Deuteronomy
5. Deuteronomy 15
6. Deuteronomy 15:1-11

Deuteronomy 15NIV

Deuteronomy 15:1-11

The Year for Canceling Debts

1 At the end of every seven years you must cancel debts.

2 This is how it is to be done: Every creditor shall cancel any loan they have made to a fellow Israelite. They shall not require payment from anyone among their own people, because the LORD’s time for canceling debts has been proclaimed.

3 You may require payment from a foreigner, but you must cancel any debt your fellow Israelite owes you.

4 However, there need be no poor people among you, for in the land the LORD your God is giving you to possess as your inheritance, he will richly bless you,

5 if only you fully obey the LORD your God and are careful to follow all these commands I am giving you today.

6 For the LORD your God will bless you as he has promised, and you will lend to many nations but will borrow from none. You will rule over many nations but none will rule over you.

7 If anyone is poor among your fellow Israelites in any of the towns of the land the LORD your God is giving you, do not be hardhearted or tightfisted toward them.

8 Rather, be openhanded and freely lend them whatever they need.

9 Be careful not to harbor this wicked thought: “The seventh year, the year for canceling debts, is near,” so that you do not show ill will toward the needy among your fellow Israelites and give them nothing. They may then appeal to the LORD against you, and you will be found guilty of sin.

10 Give generously to them and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.

11 There will always be poor people in the land. Therefore I command you to be openhanded toward your fellow Israelites who are poor and needy in your land.

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Deuteronomy 15:1-11 Meaning and Commentary

INTRODUCTION TO DEUTERONOMY 15

This chapter treats of a release of debts every seventh year, to which a blessing is promised if attended to, De 15:1-6, which seventh year of release should not hinder lending to a poor man in distress, even though it was nigh at hand, De 15:7-11 and of letting servants go free, whether manservant or maidservant, at the end of six years’ servitude, De 15:12-15 but if unwilling to go, and desirous of staying, must have his ear bored through with an awl, and serve to the year of jubilee, De 15:16-18 and of sanctifying and eating the firstlings of the herd and flock where the Lord directs, De 15:19-23.

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Taken from John Gill’s Exposition of the Bible

Deuteronomy 15:1-11 In-Context

1 At the end of every seven years you must cancel debts.

2 This is how it is to be done: Every creditor shall cancel any loan they have made to a fellow Israelite. They shall not require payment from anyone among their own people, because the LORD’s time for canceling debts has been proclaimed.

3 You may require payment from a foreigner, but you must cancel any debt your fellow Israelite owes you.

4 However, there need be no poor people among you, for in the land the LORD your God is giving you to possess as your inheritance, he will richly bless you,

5 if only you fully obey the LORD your God and are careful to follow all these commands I am giving you today.

6 For the LORD your God will bless you as he has promised, and you will lend to many nations but will borrow from none. You will rule over many nations but none will rule over you.

7 If anyone is poor among your fellow Israelites in any of the towns of the land the LORD your God is giving you, do not be hardhearted or tightfisted toward them.

8 Rather, be openhanded and freely lend them whatever they need.

9 Be careful not to harbor this wicked thought: “The seventh year, the year for canceling debts, is near,” so that you do not show ill will toward the needy among your fellow Israelites and give them nothing. They may then appeal to the LORD against you, and you will be found guilty of sin.

10 Give generously to them and do so without a grudging heart; then because of this the LORD your God will bless you in all your work and in everything you put your hand to.

11 There will always be poor people in the land. Therefore I command you to be openhanded toward your fellow Israelites who are poor and needy in your land.

12 If any of your people—Hebrew men or women—sell themselves to you and serve you six years, in the seventh year you must let them go free.

13 And when you release them, do not send them away empty-handed.

14 Supply them liberally from your flock, your threshing floor and your winepress. Give to them as the LORD your God has blessed you.

15 Remember that you were slaves in Egypt and the LORD your God redeemed you. That is why I give you this command today.

Cross References 15

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Is It True That All Debts Are Supposed To Be Cancelled After                                          Seven Years?

By: Anthony Joseph Hopkins / February 21, 2020

        Praise The Lord Saints!!  Praise The Lord!!  How are you doing today?  Fine, I hope.  I want to ask a very important question.  Is it true that all debts are supposed to be cancelled after seven years?  I am asking this question because I have a student loan from the University of North Caroline at Charlotte.  The total of my debt right now is $13,330 dollars.  I would like for everyone to please pray for me because the interest is compounded daily. 

Next, I want to say that I was enrolled in classes on August 21, 2003.  I ended up borrowing $3,500 dollars just to enroll for a semester of classes.  However, the University of North Carolina at Charlotte withdrew me after six weeks during the Fall Semester simply because I did not have my required vaccination shots.  Even though I enjoyed the classes that I have taken, but I could not attend classes for the rest of the Fall Semester. 

        Also, I went to my doctor at Americare Healthcare Clinic, which is located in Charlotte, NC for a DNA Tracking Test.  The test results revealed to me that I have had all of my required vaccinations.  Dr. Fidelis Edosowan told me that I have had all of my shots.  I thought about enrolling into Graduate School here in Dayton, Ohio at Wright State University. 

        Moreover, the Financial Aid Advisor stated that I was not able to enroll in any classes because my student loans are currently in default.  I did not expect to pay $13,330 dollars in student loan debts 17 years later.  I am really hurt because all of my other debts got cancelled after 10 years.  I know that I also have to pay a legal judgment of $1,115 dollars to the Mecklenburg County Court System in order to receive another apartment in the Charlotte, NC Area again.

In Addition, according to a Paralegal with the Lexington Law Firm, I really do not have any-more negative items on my current credit files.  It is that, I still want to know why my student loan debt did not get cancelled after seven- years.  Obviously, this debt has been bothering me for almost 20 years not.  The company that has my student loan debt in Collections is William and Fudge Collection Agency in Rock Hill, South Carolina.

 This company stated that I have to pay over $300.00 dollars per month.  Even though I am on a fixed income right now because I receive Social Security Disability of a total of $959.00 month.  I have informed an agent at William and Fudge that I can only pay $50.00 per month.  I really do not know exactly what they are going to do, but, I have to pray that I do not end up in jail by the end of this year.

        Finally, I want to inform all of you that in the New Testament, Romans 13:8 says: Owe nothing to anyone except to love one another.  I really love this Bible verse because love is what we all need in order to survive with Jesus Christ.  I know that my credit has varied from time to time.  The debts that I have accumulated over the years are my fault.  I have received things on credit without paying for them.  Therefore, I am a welsher.  I really cannot understand how my credit score is 665.  I really do not see it.  I still have debts to pay.  I do not understand why my student loan debt did not get cancelled?  I have to do something just to pay this loan off hopefully by the end of this year.

        Everyone, please keep me in your prayers.  If I have offended anyone by the content of this essay, I am very sorry for hurting everyone.  I am asking a question regarding consumer debt.

Is it True That the Borrower is Servant to the Lender?

By: Anthony Joseph Hopkins/ February 13, 2020

        Praise The Lord Saints!! Praise The Lord!!  How are all of you doing today?  Fine, I hope.  I have a very important question to ask all of you.  Is it true that the borrower is servant to the lender?  This is a very serious question that I would like to ask all of you personally because I have a student loan, and I am having a very difficult time paying it off.  The interest of my student loan is 8%.  I know that I did not have any business taking out another loan; just to attend college at the University of North Carolina at Charlotte.  I enrolled in college during the fall of 2003. 

           I borrowed the money in order to enroll at UNCC.  I was not eligible for any more grants that were available at the time.  Frankly, I was trying to acquire a second Bachelor’s Degree in Psychology and Social Work.  I understand that anytime that a person borrows money in any state, fashion or form, it is like being a slave all over again.  I really understand that I have to pay this money back in full.  However, I am very disappointed because the interest on my Jamison Loan is $80.00 dollars per month. 

Next, I want to inform all of you that it is true that the borrower is servant to the lender.  It might be a metaphor at the moment, but in reality, we have to pay off all of our debts.  It does not matter what they really are, we have to pay our debts.  I really understand that student loan debt is climbing each year.  I wish that I could have given the money back!!  I know that I only receive Social Security Disability right now.  I only earn $959.00 dollars per month right now.  I have over $850.00 dollars in bills each month.  I know that I have to pay my rent at the moment as well as life insurance, and other bills. 

Moreover, I have been going through financial hardships for the past 25 years now.  I will admit that the William and Fudge Collection Agency wants me to pay this loan off in full.  I have called this agency at their Rock Hill, South Carolina Office and they want me to pay at least $275.00 per month.  I have explained to them that I can only pay $50.00 per month.  I do not understand why these collection agencies are not willing to come to a complete compromise with me regarding my student loan.  I am only paying the interest instead of the principle amount.  This is a shame!! I guess I better go back to work just to pay this student loan.

        In Addition, there are people that I have allowed to borrow money from me, but they do not pay me back.  These people are called welshers right now.  To completely welsh, means to refuse to pay off your debts.  I have depleted my allotment when it comes to borrowing money from my life insurance right now.  I have asked William and Fudge Collection Agency can I pay the amount that I have agreed in the very beginning!!  I have to do what is absolutely necessary in order to pay off all of my debts.

Finally, I want to inform everyone that have debts to pay to make payment arrangements with all of your creditors in person.  When it comes to handling things over the telephone is pointless right now.  I have to get on my knees and pray to Jesus Christ to help me to pay off all of my debts.  Do you know that birds of a feather flock together?  This is a wise saying that people who are of certain status tend to affiliate with one another.  When it comes to socioeconomic status in the United States as well as other countries, the poor will always go through hell in life.  I also will admit that a person cannot establish a relationship with the opposite sex; if you are having hardships in any state, fashion, and form.

 This is serious because my ex-wife used me for my money at a period of time during our relationship.  She was buying street drugs with my money instead of paying bills for our residence.  There are some women and men who will completely drain you of all of your resources.  They do not care.  Some of the people that I was affiliated with were very apathetic.  This is the reason why I would like for everyone to please keep me in your prayers because I am physically, emotionally, mentally, and financially suffering right   

Verse of the Day ▼

Devotions ▼

Home Verse Of The Day Revelation 6:2

◄ What Does Revelation 6:2 Mean? ►

I looked, and behold, a white horse, and he who sat on it had a bow; and a crown was given to him, and he went out conquering and to conquer.

Revelation 6:2(NASB)

Verse Thoughts

The wages of sin is death, and the only way for man to be saved is EITHER – to live a perfect, sinless life, OR – to accept God’s offer of salvation, for the forgiveness of sin, through Jesus Christ. The first way is impossible for sinful man, leaving only one way to be declared righteous by God and gain salvation – by grace through faith in Jesus.

There are NONE that are good! There are NONE that live a perfect, sinless life! NONE can keep every jot and tittle of God’s perfect Law, for ALL have sinned. ALL fall short of God’s glory because we are born sinners. ALL need a Saviour, and the price of everyman’s sin, from Adam onwards, was paid at Calvary’s Cross, such that whosoever believes on HIM, will not perish, but have everlasting life.

God’s offer of salvation, for the forgiveness of sin and life everlasting, is open to ALL. It is given as a free gift to all who believe. God’s gracious offer is open to everyone. No-one is excluded. Every man and woman has an opportunity to glorify God and believe in His only begotten Son. Those who believe are not condemned, but those who do not believe are condemned already, and will face the full force of God’s great anger and wrath, because of their unbelief in the only begotten Son of God.

Christians are not appointed to God’s wrath, because Christ took the punishment we deserve. Christians will not go into the Great Tribulation, which is the destiny of all who will not believe. Christians will be removed, at the Rapture – before God’s fury is poured out on a God-hating, Christ-rejecting, sinful world – at the start of the ‘Great and Terrible Day of the Lord’. And it will happen at God’s appointed time.

In HEAVEN, it will begin when the Lamb on the throne, takes the seven-sealed scroll from the hand of the Almighty, and breaks the first of seven seals. However, on earth, it will be triggered when the man of sin confirms a covenant with Israel, for one week of years – for 7 years – the 70th week of Daniel.

As the book of Revelation unfolds, we see John, the author of Revelation, raptured into heaven after delivering Christ’s letters to the seven churches. He was ordered to, “come up here”, where he saw the Ancient of Days surrounded by multitudes of angels, 4 living creatures, and 24 elders, worshipping before the throne. He watched as the Lamb took the scroll and began to unseal the first of the seven seals. This is the trigger point for the great and terrible Day of the Lord. “There was a noise like  thunder, and John heard one of the four beasts speak and say, ‘COME!'”

It was at this critical point, when John heard that command to ‘come’, that he looked and beheld a white horse. He noted that “the rider, on the white horse had a bow in his hand. He watched as a victor’s crown was given to him, and this rider went out conquering and to conquer.” A white horse generally signifies, peace, purity, and righteousness, but this rider will come impersonating Christ, the true Prince of Peace, Who also rides a white horse.

The rider John sees astride a white horse, is a satanic deceiver who gives the appearance of being a man of peace, when in reality, he is the prophesied man of lawlessness, whom Paul describes as “the son of perdition” – the son of Satan, who will deceive, and maim, and kill a multitude of men without number.

This man carries a bow, without any mention of arrows. This is done to lull an unsuspecting world into a false sense of peace and security. But his real motive is to go forth conquering and to conquer, for in his wake, there follows war, famine, pestilence, and death. The rider on the white horse is a trickster, giving the appearance of a man of peace who is going to usher in world safety and prosperity for all. However, when he rides onto the world scene, he will come as a victor, intent on conquering and controlling.

The crown on his head is not the royal diadem of a king. His crown is an imperial crown of a conquering dictator, which is to display hisd his mission to impose one-world totalitarian authority over the souls of the men he deceived. The mission of this satanic tyrant is not to bring peace to a weary, war-torn world but to kill and to maim, and to set his throne above God. 

He will attempt to make himself like the Most High God. He will enter the rebuilt Temple of God, and desecrate it with an abomination that causes desolation, as foretold by the prophets, Daniel. But HALLELUJAH – the Lord Jesus will destroy him with the breath of His mouth and will bring him to nothing with the brightness of His coming. Even so, come, Lord Jesus.

My Prayer

Heavenly Father, how I praise and thank You for your goodness and grace. I sing of Your wonderful love, and thank You for your never-failing mercy, holiness, tenderness, and grace towards each of Your children. Thank You, that we are not appointed to wrath, and I pray that many more would come to faith in Christ, before that great and terrible Day of the Lord. Fulfil Your plans and purposes I pray, and bring the enemy to nothing – so that Your glory may be seen in all the earth. I ask this in Jesus’ name, AMEN.

How come the internet is Satan’s Playground?

Let’s have a good look at this for a moment. What we mean by a playground is this? A playground consists of a very large space that is filled with equipment and activities for children to play inside of it. When it pertains to Satan we all have to be extremely careful. This playground can hinder us in various ways. For instance, it can prevent anyone from serving the Lord. 1st Thessalonians 2:18 in the New International Version says for we wanted to come to you-certainly, I Paul did again and again, but Satan blocked our way. This means that Satan prevents us from performing certain tasks for God.

He also keeps us from reading the Word of God, which is the sword of the spirit. Another way of looking at this playground that belongs to Satan is the way it causes billions of people to get addicted. A person can get easily captivated through the women who are online wearing certain apparel, or the music that we listen to on a daily basis. Some of it is demonic. For example, there are certain beats, lyrics, and tunes that easily captivate our minds and draw us into the music. There is an inner voice that communicates to each and every one of us. It is Satan using the internet as his playground. His purpose is to deceive the nations worldwide. The internet has been around for over 40 years.

The internet did not become available for public use until 1996. However, this major search engine and tool has changed so much over the past 20 years that it has caused millions of people to break up their marriages, relationships, and families. This is simply because of its graphic content that it contains. James 1:14-15 indicates that but each person is tempted when they are dragged away by their own evil desire and enticed. Then after desire has conceived, it gives birth to sin and sin when it is full grown gives birth to death. This means that we must pay close attention to all of the things that we are doing behaviorally, psychologically, and socially, so that it pleases God.

It is not easy because we are in a constant battle with our flesh each and every single day. It is a war that is going on inside of the mind itself. Satan captures your mind and draws you completely away from what you are supposed to do for God. The Playground that I am talking about right now consists of not only the internet, but music, nightclubs, as well as other churches and occults. The internet is emphasized at this time because it is the main thing that people are using right now for research and entertainment.

There are more women online than men. There are more children between the ages of 12 to 30 online more than ever before. This is the main reason why parents need to start paying attention to the activities that each of their children is doing each day. James 1:21 says therefore get rid of all moral filth and evil that is so prevalent and humbly accept the word planted in you which can save you. This means that we must get rid of anything that contaminates our minds and accepts God’s word as a seed and allow it to grow inside of us. Also, we must get rid of anything that goes against God. Psalms 119:89 states that Your Word O Lord is eternal: it stands firm in the heavens. This means that God’s Word is the only thing that will remain on earth. The internet itself will dissolve just like the heavens and the earth. Technology is something that will not last forever. It is only a trend or fad. Trends and Fads are temporary and this is something that only last for a very short period of time.

This also includes the internet if it is a major problem for you. The internet as a playground is very serious. It is technology, which is true. Matthew 24:35 says that heaven and earth will pass away, but my words will never pass away. Jesus told His disciples this information while He was reading the End of Times. Jesus also told his disciples in Mark 13th chapter to watch because you do not know when the world will come to an end. Watch therefore watch!! Satan’s playground consists of many places. These places where Satan is deceiving the nations are everywhere. The internet itself is propaganda that is either positive or negative. The internet is also filled with images that are capable of causing the conscious to erode.
Therefore, causing billions to become addicted and there is no way out of it. This addiction is just as bad as smoking cigarettes. How come the internet is Satan’s playground? This is a very good question because there are things that go on regularly that causes everyone to panic. This is especially when there are hacking incidents that are going on worldwide. This is a major threat to national security. We are have to realize that this is very serious and we have to pay attention to what is going on around us through the use of our eyes and the rest of our 5 senses.

How come the internet is Satan’s Playground?

Let’s have a good look at this for a moment. What we mean by a playground is this? A playground consists of a very large space that is filled with equipment and activities for children to play inside of it. When it pertains to Satan we all have to be extremely careful. This playground can hinder us in various ways. For instance, it can prevent anyone from serving the Lord. 1st Thessalonians 2:18 in the New International Version says for we wanted to come to you-certainly, I Paul did again and again, but Satan blocked our way. This means that Satan prevents us from performing certain tasks for God.

He also keeps us from reading the Word of God, which is the sword of the spirit. Another way of looking at this playground that belongs to Satan is the way it causes billions of people to get addicted. A person can get easily captivated through the women who are online wearing certain apparel, or the music that we listen to on a daily basis. Some of it is demonic. For example, there are certain beats, lyrics, and tunes that easily captivate our minds and draw us into the music. There is an inner voice that communicates to each and every one of us. It is Satan using the internet as his playground. His purpose is to deceive the nations worldwide. The internet has been around for over 40 years.

The internet did not become available for public use until 1996. However, this major search engine and tool has changed so much over the past 20 years that it has caused millions of people to break up their marriages, relationships, and families. This is simply because of its graphic content that it contains. James 1:14-15 indicates that but each person is tempted when they are dragged away by their own evil desire and enticed. Then after desire has conceived, it gives birth to sin and sin when it is full grown gives birth to death. This means that we must pay close attention to all of the things that we are doing behaviorally, psychologically, and socially, so that it pleases God.

It is not easy because we are in a constant battle with our flesh each and every single day. It is a war that is going on inside of the mind itself. Satan captures your mind and draws you completely away from what you are supposed to do for God. The Playground that I am talking about right now consists of not only the internet, but music, nightclubs, as well as other churches and occults. The internet is emphasized at this time because it is the main thing that people are using right now for research and entertainment.

There are more women online than men. There are more children between the ages of 12 to 30 online more than ever before. This is the main reason why parents need to start paying attention to the activities that each of their children is doing each day. James 1:21 says therefore get rid of all moral filth and evil that is so prevalent and humbly accept the word planted in you which can save you. This means that we must get rid of anything that contaminates our minds and accepts God’s word as a seed and allow it to grow inside of us. Also, we must get rid of anything that goes against God. Psalms 119:89 states that Your Word O Lord is eternal: it stands firm in the heavens. This means that God’s Word is the only thing that will remain on earth. The internet itself will dissolve just like the heavens and the earth. Technology is something that will not last forever. It is only a trend or fad. Trends and Fads are temporary and this is something that only last for a very short period of time.

This also includes the internet if it is a major problem for you. The internet as a playground is very serious. It is technology, which is true. Matthew 24:35 says that heaven and earth will pass away, but my words will never pass away. Jesus told His disciples this information while He was reading the End of Times. Jesus also told his disciples in Mark 13th chapter to watch because you do not know when the world will come to an end. Watch therefore watch!! Satan’s playground consists of many places. These places where Satan is deceiving the nations are everywhere. The internet itself is propaganda that is either positive or negative. The internet is also filled with images that are capable of causing the conscious to erode.
Therefore, causing billions to become addicted and there is no way out of it. This addiction is just as bad as smoking cigarettes. How come the internet is Satan’s playground? This is a very good question because there are things that go on regularly that causes everyone to panic. This is especially when there are hacking incidents that are going on worldwide. This is a major threat to national security. We are have to realize that this is very serious and we have to pay attention to what is going on around us through the use of our eyes and the rest of our 5 senses.

Dear God, I will always be in awe when I think of how great your love for me, and everyone in this world, is. We weren’t anywhere close to righteous when you sent your Son, Jesus Christ, to die for us; but that did not stop you. Lord, I will always set my heart on loving you, ever grateful that you loved me first. In Jesus’ name, I pray. Amen.

What is forgiveness?

The definition of forgive means to excuse for a fault or an offense: pardon. 2. To renounce anger or resentment against. 3. To absolve from payment of (a debt for example). Forgiveness is very important because it enable all of us to do things God’s way. When we forgive the next person, this really takes a whole lot of work. It is not very easy forgiving every one of their actions. This means we have to learn a brand new behavior. This behavior itself takes a lot of practice and patience. For example, I know that I have a lot of enemies from my past and present. I also realize that in order to go straight to heaven, I have to pardon a whole lot of people from what they have done to me. This also leads to anger and resentment; this means that I have to let go of my anger and resentments that I have towards other people. I have to exonerate a lot of my family members and people that I used to have as friends; who have turned their backs on me.

Matthew 18:21-22 says Peter asked Jesus how many times we must forgive our brother up to seven times. Jesus said up to seven times seventy. This means that I must continue to forgive as long as I live on earth. I must continue to forgive my brother or anyone. This is very important if I want to go to heaven. I have to continue to forgive my brothers and sisters as well as other people if I want to go directly to heaven. Colossians 3:13 says bearing with one another and if one has a complaint against another, forgiving each other, as the Lord has forgiven you, so you also must forgive. This is extremely important because when it comes to forgiveness, it is vital and necessary that we forgive each other. No matter what the offense consists of, we must learn to forgive. Forgiveness takes a lot of work because there are a lot of angry people in this world. The people inside of this world are angry with each other.

This anger must be dissolved before we go straight to heaven. This is definitely not a laughing matter. This is very serious!!! Isaiah 43:25 say I, even I am He who blots out your transgressions for my own sake, and remember your sins no more. This means that God will remove all of your sins from His sight and remember them no more. It is God who justifies and it is God who judges the sins of the world. We must remember one thing that God is able and willing to remove our sins and man cannot do the things that God can. If any man thinks for himself that he can justify in the same way as God; then he is fooling himself. I know that a lot of people will be in serious trouble.

Galatians 6:1-2 says brothers and sisters, if someone is caught in a sin, you who live by the Spirit should restore that person gently; but watch yourselves, or you also may be tempted. This means that we must restore everyone who is in sin. This must be done in meekness, patience, understanding, meticulous action, and eagerness. This is something that must be done out of kindness and gentleness. Please be very careful, because you can also be tempted in the same exact way. Forgiveness is a two way street. It is something that must be done to appease the Living God. Proverbs 16:32 says better a patient person than a warrior one with self control than one who takes a city. This means that a person must exercise patience and self-control at all times.

Instead of arguing with everyone everywhere you go, it will be best that you do things according to the Word of the Living God. This is serious because God does not want us to be angry with every one that we encounter. God wants all of us to do things gently and carefully. James 4:10 says humble yourselves before the Lord and he will lift you up. This means that as long as we humble ourselves around our Living God, He shall lift us up. This also means that as long as we continue to live according to God’s word, He shall lift us up in due time. James 5:9 says do not grumble against one another brothers and sisters or you will be judged. The Judge is standing at the door.

This means that we have to keep our mouths shut at times especially when it comes to judging one another. If we are not able to assist anyone in any capacity, then we must be able to pass it on to someone who is qualified to deal with an issue. We also must be very careful because the things that we do for another person, God is judging us all of the time. God is always standing at the door of Judgment. This is very serious to all of us. James 5:19-20 says my brother and sisters, if one of you should wander from the truth and someone should bring that person back, remember this: whoever turns a sinner from the error of their way; will save them from death and cover over a multitude of sins. This means that we must live right all of the time. This also means that if we see someone in a transgression, we must save them. While doing so, we will be covering over a multitude of sins.

Most of your computer hackers and scammers ask questions to others when they are online. For instance, if a computer hacker or scammer ask you what time is it in the day, this means that they are located in another city, state, or country. It is very important for everyone to pay attention to what the computer hackers and scammers are asking you. This is because they are trying to devise a scheme or plan to obtain some information or money from you. What most hackers and scammers are using right now are credit cards from other victims. What they usually asked another person or victim to do is for their credit card information and they will take advantage of you. In most cases, the victim will be charged with credit card fraud. This is because the hacker or scammer has gained someone else’s information illegally and without their consent or knowledge. It is very important not to give another person that you are online with your personal information. Never leave your phone number, physical address, and anything that a computer hacker, scammer, or data thief can gain access to it. Never give your personal information to someone that you do not know. A computer hacker asked me this afternoon 1/25/2013 what time is it where I was located. It baffled me because most of your hackers and scammers are overseas. They also greeted me Good Morning and they also asked me whether or not it was morning where I lived. I told them no!! This is extremely unusual because most computer hackers and scammers that are on certain websites know exactly what time it is. Another thing that computer hackers, scammers, and data thieves can do is change information while a person is on the website. This is also very suspicious as well. Whenever a person’s profile changes while you are examining it, this means that there is a likelihood that the profile is hacked. Another thing is that a computer hacker, scammer, or data thief can revise your profile without you even knowing it. They can add or delete information without you even knowing it. It is extremely important for everyone to please examine their profile very carefully. It is important that you know the person that you are talking to; so that you can be reassured. Always examine and check your profile each day that you are online to make sure that everything is right where you left it. Accuracy is important!!!!!!!!!!!!!!!!!!!!!!

Phishing

The Oxford pocket dictionary defines phishing as the activity of defrauding an online account holder of financial information by posing as a legitimate company. This is what phishing is known for now in today’s internet driven world but it was not always the case. Phishing actually predates computers. Some people did it over the phone for years and they called it social engineering.

So why would someone think of phishing some one? There is a simple reason: to exploit people. These people are commonly known as scam artists. What these phishers normally do is send out millions of scam emails posing as something or someone who they are not. Normally they hope for a few people who received the email to respond to them by clicking the fake website and provide them with financial and or personal information. Also, anyone who has an email address is at risk of being phished. People can increase their risk of being targeted if their email is posted on a forum or website. The people phishing can also get many more email addresses by using a spider. A spider is something that searches through many websites and saves an innumerable number of email addresses, every one it can find. So in a nut shell, phishing is very profitable for criminals because, they can attain millions of email addresses and potentially set them up for an attack at relatively no cost to themselves (Beal, 2006).

There are some key factors and elements that one needs to help recognize if they are being phished. This scam often has three key elements or factors that will come about when someone is planning an attack. First, when checking your email and look to see who the email is sent from. It will often be from a legitimate company’s address. If the email address looks suspicious then be wary, but this is an easy obstacle for phishers to climb over. It is very quick and easy for someone to change the “from field” in most email clients to trick the person receiving the emails. Second, the email almost always will contain very similar images or logos that have been copied off of the real company’s website. Third, upon opening the email, it will have a link along with text saying you should click the following link to make sure the personal information is correct. When trying to determine if you are part of a phishing experiment, there are many little things you might want to notice. These include spelling errors, unknown email addresses in text, and often the email headers can have absolutely nothing to do with the company that the email implies to the recipient (Beal, 2006).
Being aware of phishing is an important concept people should try to understand. First of all, you do not need to click the text or URL that is stated in the email. If you see a suspicious email, you should delete the email promptly. After deleting the email from your inbox, you should delete your trash can as well. Often you can block the email addresses that are sending you these risky emails. If the message or email looks very legitimate you still need to remember to never click the link or URL in the email. To make sure you are going to the website you anticipated, you should open up your web browser and type in the website manually. Then proceed to type in your personal information on the legitimate website (Beal, 2006).
It is very important to know what to do if you do find a suspicious email that is targeting you to be phished. First, you should notify the company that there are suspicious emails in regard to their company. Often companies will want to know if anyone is using this “phishing” technique with their company’s name. Also, if you find a phishing email you should report the phishing to the Federal Trade Commission. Many local police and investigators also take care and deal with internet phishing (Beal, 2006).
Now that phishing is becoming more common, criminals and scam artists are finding newer ways of targeting innocent people. A new, but becoming more common way of targeting people is the use of phishing and malware combined. Malware makes it where someone has control of the computer being targeted. Social engineering is often a very big part malware. So how does someone get control using malware? People can get control by attaching harmful attachments through emails. In the end, the user of the computer will execute a harmful file or software, and then from there, many different things can be downloaded. Even something as simple as accepting a license agreement can easily download and install malware. There is however a very slow and sometimes pain taking processes of sorting through the megabytes of data that have been collected in this form of attaining information. By combining malware with phishing, much vulnerability exists. The vulnerabilities can turn into things such as worms, viruses, and getting personal information. People often do not realize the effect of malware and phishing and what it can turn into.