Insurance

P 3218 I may fail – but God WILL not.

/ DVH

Those of you who read this blog regularly will already know that Cyclone Alfred (Feb2025) caused a flood in one of our lower rooms. It quite literally washed away some of the floor. Our house is like ‘The House that Jack built,”and I’m sad to say that in my opinion – Jack was a lousy builder! God bless Jack if he is still among us, but very little in our downstairs area has been built up to spec. Parts of it are not legal, including the height of the roof, but the council doesn’t care, because it was like that when we bought it. Which means it was not our fault. Thank the Lord for that!

While the many builders we hired were analysing what needed to be done — they kind of smiled — then they looked at us with dollar signs in their eyes! I assume that’s because we are their idea of a windfall, and their magical dream of an all expenses paid trip to the Bahamas seemed much closer than it did before they met us! And then they announced that all our building problems are insurmountable and we should pull the entire downstairs area down and start again. I guess we will have to live in our mango tree while that happens.

Around about the same time, the insurers agreed with the builders, and announced that we were not covered by insurance, despite our copious, regular expensive payments, because of paragraph 390 subset 4,251. Yay!  We don’t have a money tree or bush in our yard, so we both got on our faces, and asked the Lord, what’s next? Ya have to seize the adventure before you, that’s what I say… I have also been known to say ‘well that sucks,’ but talking about ‘seizing the adventure’ sounds wa-ay more spiritual. 

So, after much prayer, with God leading us — we met Ali, a person of another faith, and a brand new unemployed immigrant who had just arrived from another state. His English was limited, but he assured us in sign language and broken English, that he knew all about tiling floors and fixing the concrete underneath. He originally came from Iraq so we figured he wasn’t exaggerating about that! 

Ali, it transpired, truly was God’s choice! BTW, we found him through a reputable agent. He worked like a beaver, kept us up to date with what was going on, and we had many opportunities to encourage him, and talk about our faith, as well as put it into action in his life. When we said goodbye to him, we hugged all round. Our floor in the meantime looks like a palace! 

Moving on to December, 2025. This time the roof in our downstairs bedroom turned into a waterfall, and we had numerous tennis ball sized hail-strikes all over that part of the roof. It was leaking because the rain was so heavy and the hail broke the tin roof sheeting. So back we went to our insurers — however, we weren’t very surprised this time when we discovered that somehow paragraph 390 subset 4,251 also applied to leaking roofs! The insurers were polite … but because the downstairs does not conform to council standards they were not obligated to … blah blah blah blah. 

I tuned out. I had heard it all before. Naturally I responded with great Grace to the insurers. After HOURS of prayer and a whole lot of “gee I hope some tennis ball hail gets YOUR roof next time!” I eventually moved on. Yes, I repented! And right now I am laughing, but smiles were a bit thin on the ground back then! 

We had to move out of our bedroom, which was working on becoming an indoor lake, and jam ourselves back into a much smaller space upstairs. Not the best option given the daily disabilities we both face. Our family came to our rescue again, to help us move. In just a few months they had helped us move out of, and back into. our bedroom twice! That, BTW, includes the bed, wardrobes, etc. etc. More blah blah blah.

So we returned to our trusty agent again because Ali had been so brilliant last time, and this time we found a family of roofers. They too, were honest men who gave us a fair price, and they not only fixed the roof, they made it so it would not leak again. And then they gave us a written guarantee for 15 years!  As the Lord led us we were able to minister into their lives too. We paid for that privilege! Ministry will always cost you – it’s free to them.

I’ve written this today to assure others that they are not the only people whose lives sometimes are shaken by trouble and strife. Let’s look at Paul’s life. In the past Christians have tried to minimise trouble in our lives as if trouble is somehow a sign that we are not spiritual enough. However, Paul was somewhat of an expert about trouble. He shared some of it in: 2 Corinthians 6:4a-5:

“…in great endurance; in troubles, hardships and distresses; in beatings, imprisonments and riots; in hard work, sleepless nights and hunger; …” 2 Corinthians 11:25-26: “Three times I was beaten with rods, once I was pelted with stones, three times I was shipwrecked, I spent a night and a day in the open sea, I have been constantly on the move. I have been in danger from rivers, in danger from bandits, in danger from my fellow Jews, in danger from Gentiles; in danger in the city, in danger in the country, in danger at sea; and in danger from false believers …”

Our experiences at our house obviously do not compare with the Apostle Paul’s hardships! However, I’m not giving up on my own transformation – He’s doing something. Sometimes I may fail, but God will not! Hallelujah. Have a good one. Bye. 👋

P 2596 There is no hole too deep.

/ DVH

Psalm 16:1-11MSG: “Keep me safe, O God, I’ve run for dear life to You. I say to God, “Be my Lord!” Without You, nothing makes sense. And these God-chosen lives all around—what splendid friends they make! Don’t just go shopping for a god. Gods are not for sale. I swear I’ll never treat god-names like brand-names. My choice is You, God, first and only. And now I find I’m Your choice! You set me up with a house and yard. And then You made me your heir! 

The wise counsel God gives when I’m awake is confirmed by my sleeping heart. Day and night I’ll stick with God; I’ve got a good thing going and I’m not letting go. I’m happy from the inside out, and from the outside in, I’m firmly formed. You canceled my ticket to hell—that’s not my destination! Now You’ve got my feet on the life path, all radiant from the shining of Your face. Ever since You took my hand, I’m on the right way.”

Isn’t this a terrific Psalm full of good advice? It is a testimony speaking about living life His way. When I read this today, it reminded me of a fantastic testimony hubby and I have from years ago, and today I thought I would share it. Many years ago my husband was working full-time as a clinical nurse. One day he was walking an older gentleman back from a procedure, when the old man slipped and started to fall. Hubby reflexly rotated to try and catch him before he fell and my dear fella badly injured his back. Thank the Lord the old man was unhurt.

Long story short, hubby went into months of agony with countless steroid injections, back braces, scans, X-rays, and saw many, many doctors and specialists. The diagnosis was grim, he had worn away the disc between L4 and L5 and the bone was rubbing on the bone, producing constant excruciating pain. The pain was never going to go away, plus he had to take pain killers for months and months… Meanwhile the pain killers messed with his head.

At the same time the hospital kept trying to prove there was nothing wrong with his back, and they were not at fault. Work Cover insurance ignored us. Eventually we were informed that because we had fallen far behind in our mortgage payments, the bank was going to take our house, within the month. It was an awful, awful time. Even back then I was not well, and we had no other resources to fall back on. This went on over eighteen months.

You know, in order to see a miracle, we must need a miracle – they are not just entertainment! … We loved our house and we were going to lose it through no fault of our own. The lady from work cover consistently said that hubby would NEVER receive a pay out – even though everybody knew that he had been injured through work – meanwhile we had endless rounds of appointments talking to people who continued to say: “no help for you!” We kept praying, sometimes complaining, and sometimes with little or NO faith.

Months later out of the blue, this lady called us again. She said: “I’ve got some news for you, I don’t agree with it, but they have taken your case to a higher power.😂 So they have agreed to pay out your superannuation.” Hubby was still on the phone with this lady he had talked to for months, but his knees hit the floor and he cried out: “Thank you Jesus!”  I heard him from the kitchen! Meanwhile, we knew who the ‘Higher Power” was!

The pay out was a bit more than we needed to get rid of the mortgage once and for all. But in order to get this payout we had to go for financial counselling, because it was hubby’s superannuation – so we agreed. The morning of the appointment a word from the Lord dropped into my heart. He said: “Render unto Caesar that which belongs to Caesar, and to God what belongs to Him.” OK, we didn’t know what that meant but … we took note of it. Everybody at the financial counsellor’s offices was lovely to us. ‘Would we like a cup of tea? The parking’s  free. How can we help you?’

So in we go to see the consultant. The nice man began explaining how he could save us even more money, with a bit of creative accounting we could avoid paying any taxes on the money we received. He said this earnestly, insisting that it was legal! God reminded us of what He’d said, and both of us knew immediately what that meant. No wriggling out of doing what was right. We had to pay the taxes, $18,000 – $20,000 … a fortune to us. And we thanked the man sincerely and explained we were Christians, so we wouldn’t be depriving the government of their tax.

It was hilarious. The mood in his office changed instantly. The nice man couldn’t get rid of us quickly enough, well we did give testimony about how we got the money in the first place! He probably thought we were going to preach at Him! Especially when we explained that we also needed to tithe on this money. So, we didn’t GET a cup of tea. Nobody gave us a voucher for the parking, In fact they couldn’t get rid of us fast enough. Meanwhile we laughed all the way down in the lifts!

When we arrived home that same day … true story! We had a letter in our letter box – it was a cheque for the exact amount of money we needed to pay the tax!  (We tithed on that too!) God is never any man’s debtor. Praise the Lord!! 🙌 There is no hole too deep that the Lord Jesus cannot find us, there is no difficulty He cannot get us out of.

ps Hubby had an operation shortly after all this … but that’s another testimony. Bye 👋

P 2509 What if Jesus lived next door?

/ DVH

“The Word became flesh and blood, and moved into the neighbourhood. We saw the glory with our own eyes, the one-of-a-kind glory, like Father, like Son, Generous inside and out, true from start to finish.” John 1:14 MSG

I started to think about this verse this morning and chew over it. Meanwhile, I also like the Passion Translation as well – I put a picture of that one at the bottom of the page. The way John 1:14 reads inspires me. However, in reality, Jesus didn’t actually just move into our neighbourhood – He came even closer … He moved into our physical house! Think about it.

“Don’t you know that your body is the temple of the Holy Spirit, Who lives in you and Who was given to you by God? You do not belong to yourselves but to God;…”1 Corinthians 6:19. Imagine what life would, or could look like, if we took this verse seriously? The thing is … this verse is actually our new reality. Just because we can’t feel His Presence that doesn’t mean the verse isn’t true – it just means whatever He does is easy to ignore because we can’t see Him. We have to be determined to pay attention to Him, because we want to be dedicated lovers of Jesus.  

Here’s another big thought … your physical home is now His house too! Yeah. This is true whether we are renting or we’ve paid off the mortgage. The reality is, we work and slave and make a life for ourselves by owning things but, we actually own nothing. We can all go ahead and make grand plans for our stuff — that’s called making a will — but most inheritors can’t wait to sell Mum or Dad’s house for the money. Which is, after all, only a piece of paper that mankind has given value to! 

For me those things all come under a heading of “things human beings do that make no sense at all” — spiritually speaking. God says that in His book, like this: “… It’s useless to rise early and go to bed late, and work your worried fingers to the bone. Don’t you know He enjoys giving rest to those He loves?”  Psalm 127:2b MSG. You know, I can almost hear some people saying, “Well, it may seem useless to Him but I will get the sack if I don’t put in the time.” I hear ya! But what it actually means is this – Who are you relying upon? That’s the real point! Now we belong to Jesus, whatever we do, we are now working for Him. He gave us His life and we give Him ours.

Our financial circumstances can change in a heartbeat or overnight – Covid showed us that. This Psalmist is saying it makes no sense to slave your heart out, and sit up night by night worrying over how you will pay the rent or the mortgage. He’s NOT talking about being careless with your responsibilities, or wandering off to bed saying: “Whatever!” … and hoping that will do. He is talking about relinquishment and entering into God’s kind of rest. 

Almighty God’s rest doesn’t take effort. First we pray, and then we just hand stuff over and ask Him to help us do these things under His guidance. Then we carry out whatever He told us to do. It’s in the book, as well as in our hearts. Human beings like to think we are powerful, but the reality is that this life can change in a heartbeat … or the lack of one!

It is important that whatever we have, does not own us. When we are worried about our stuff, then those things own our time, as well as our mental, and physical effort. Maybe someone reading this is renting. You should thank God, that you don’t have to make sure the roof doesn’t leak, and the walls stay upright. That’s the landlord’s responsibility. Owning stuff can push our spirituality aside unless we are really prayerful and careful. My advice is this — hold whatever you have in an open hand. People, house, car, job … remember, we bring nothing here and we take nothing away. God has another way for us to live. He wants us to live trusting Him, not in what we can do. HE has no limitations.

Let’s briefly look at the ordinary people who are on earth right now, who are in the middle of a war or a famine. Everything they thought they owned is gone. All their clothes, mementos, personal stuff is gone in a heartbeat. And they come out of that awful situation grateful if their families survive. There are NO insurance policies in war torn countries. They have to rely upon the goodwill of those in other countries for help with food, medicine, safety. Now these people have to begin this life again … and their sense of safety within their own space etc. is gone. There is nothing like losing everything to remind us we own nothing!

Sacrificial giving is our new way to live, it is part of being His kid. Giving out of excess is a rumour, it won’t happen while we live in a an excessive, greedy society. The sun comes up every day for free! Those of us who seem to be living in some sort of safety, need to live gratefully, and prayerfully, and share with others who do not! You know if Jesus lived next door to us, we would actively see Him helping others. We can easily see Him living that way – it’s in the book! Bye. 👋

P 2339 Christians have a different normal, it is not ‘of’ this world.

/ DVH

My intention is to put an exclamation mark on what I wrote yesterday. Luke 17:26-33:“Just as it was in the days of Noah, so also will it be in the days of the Son of Man. People were eating, drinking, marrying and being given in marriage up to the day Noah entered the ark. Then the flood came and destroyed them all.

“It was the same in the days of Lot. People were eating and drinking, buying and selling, planting and building. But the day Lot left Sodom, fire and sulfur rained down from heaven and destroyed them all.

“It will be just like this on the day the Son of Man is revealed. On that day no one who is on the housetop, with possessions inside, should go down to get them. Likewise, no one in the field should go back for anything.  Remember Lot’s wife! Whoever tries to keep their life will lose it, and whoever loses their life will preserve it. “

Yesterday, I spoke about this scripture briefly and I felt the Lord tell me to go back, and look at it further. What He said to me was this: “Did you see that?” Of course I hadn’t. I can’t see this kind of stuff until He helps me by opening my eye to what He’s thinking. 

He said this: “THEIR LIVES were going on from day to day NORMALLY, when the sky literally fell for Noah and his family, and Lot and Co!” Then the Holy Spirit asked me this question – “What do people do when their lives are violently interrupted?” 

My answer for myself was I probably hit despair and then panic! So, I asked for His help and I began think about what human beings see as ‘normal.’ Those things we sometimes valiantly seek after, are actually poor preparation for the extraordinary situations that really do occur in this life. Yet I can see that most people strive, and pay a great deal of their attention to the status quo, trying hard to fit in – or find it – and live in it. Fitting into what this world calls normal. 

It is almost as if superstitiously, we are scared of and avoid thinking about bad things and contemplating their existence.  But they actually happen anyway … without our permission. It seems to me that as difficulties occur regularly, it is careless not to prepare our hearts, with practice, by meditating on what HE says and renewing our minds. We need a substantial spiritual root system to give us severe storm strength. We get that from our confidence in HIM, using our faith, and applying His Word. He is always ready to help us.

We buy insurance for our cars, houses, lives, and the future etc. and yet we remain vastly ignorant or experienced with, those things that are eternal. Those things that cannot be moved or shaken, because their roots are in our Almighty Immovable, ever-present God, Maker of heaven and earth. We need a deep confidence and experience with His involvement in our lives. We need to know personally, first-hand what He thinks.

Otherwise we end up gauging His care for us, by answered, or seemingly not-answered prayer!  Normal is never our aim – ushering His kingdom into our current situation and surroundings is! To do that we need to be very personally well acquainted with what our King did, or will do, no matter what else is going on.  And when we are hard pressed we need to learn to lean on Him. Always remembering that – His kingdom gives out of poverty, it loves from lack, it tenderly engages others despite personal feelings and proclivities.

Secondly we need to stop aligning ourselves with who this world says we are meant to be, and allow Him, and trust Him to take us step by step into our eternal destiny.  He knows the way through … anything! As it says in Psalm 23 we will be led by the Shepherd through the valley of the shadow of death. In order to be properly led, we need to know and trust the leader.

Noah and Lot were confronted with horrendously difficult circumstances, BUT their societies were not unlike ours. Yet they each had a relationship with God to fall back on. What we need to fall back on to sustain us through trials is our personal irrefutable knowledge of Him. Otherwise we will let this world’s scenarios be painted on our hearts, and default into fear.  We must see difficult things as opportunities to deepen our faith. Psalm 34:19 says: “Disciples so often get into trouble;  still, God is there every time.” 👋🏻