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慈愛天父何等愛我 何明珍姐妹感恩分享

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耶和華所賜的福,使人富足,並不加上憂慮。(箴言10:22)
	2013年我在「迦南聖經學院」完成了三年神學學習裝備,並在播恩堂完成了六個月的實習傳道,感謝神帶領我來到這個屬靈的家。若不是天父的揀選,我今天會身在何方?必仍然在塵世中營營役役為了餬口,而不知道神的豐富,神的愛。仍然在茫茫人海漂泊浮沉,要抓住看得見的享樂和物質,成為失落的一群。感謝神,大能的膀臂提昇我,拯救我,引領我回家,作祂的子民,成為祂的兒女,敬畏、信靠祂。
	我是出生在馬來西亞的第二代華僑,父母因戰爭逃難,離開家鄉來到南洋,定居在馬來西亞。母親懷了我時,因為家庭困難,父親好賭,而且已經有兩個哥哥和兩個姊姊,母親試用很多方法墮胎。當時服用了民間的墮胎藥,身體承受不了,雖然母親的身體有很大的反應,但是神卻保守了她及腹中的胎兒。因此,我的出生成為家裡不受歡迎的人物,從小,我總覺得我是從垃圾堆裡撿回來的棄兒。母親告訴我,她生下了我,心裏有多少擔憂和後悔,因為服用了有害的墮胎藥,不知道孩子能不能有健康的身體,若是心智不全,她是何等內疚!感謝神早在母腹中就保守了我。「我的肺腑是你所造的,我在母腹中,你已覆庇我,我要稱謝你,因我受造奇妙可畏,你的作為奇妙。」(詩139:13-14)神的憐憫,臨到我家,神的意念,是賜福的意念。
	因為我是家裡第一個信耶穌的,祖祖輩輩的傳統是拜偶像,祭祖先。神帶領我來到美國,我在美國有了第一本聖經,也開始每周五參加查經班,風雪不改。而且傳道人會為未信主的我禱告,經過了一整年的閱讀查經,神的話在我心中感動。1999年我決志接受了浸禮,公開宣告接受耶穌做我個人的主,願意一生跟隨祂。自從信主以後,原來我每天飯後一支菸,第二天中飯後,我拿起菸,想起這是神不喜悅的,立即把菸滅了,一直到今天沒有再抽過一支菸。耶穌說:「若有人在基督裡,他就是新造的人」,新造的人要靠耶穌的能力,勝過舊人,勝過老我。
	當時我住在一個800呎的公寓,分租與一個同鄉女士,後來我見她是拜拜的,不應該和她同一個居所。我在客廳掛著;「你要專心仰賴耶和華,不可倚靠自己的聰明。」每日早晨出門,每晚回家進門,這句話,這幅大字,都是我的提醒。我就請這位室友搬出去,並祈求神給我一個合適的室友。凡事我都先禱告才行動。後來,有人介紹一個女士給我,不料神沒有照我所求,給我一個合我心願的房客,反而趁著我上班,在家開傳銷大會。以後我發現了,請她搬家,她卻不肯搬走。最後,我只好放棄這個租金管制的房子,把房子還給了房東。這個時候,找不到這樣條件的房子,結果我買了一個合作公寓。想不到二個月後,房價上漲了二萬,一看,房子是會下蛋的母雞,我開始買兩家庭,原來神用這樣的方式,使我得益處。「我們曉得萬事都互相效力,叫愛神的人得益處,就是按祂旨意被召的人(羅8:28)。」如果我當時埋怨神,為甚麼不聽我的禱告,我為要討神喜悅,神卻給我惡房客?神說:“凡事謝恩”,我不管好事壞事,都相信神的意念是賜福的意念,我一點都沒有發怨言。聖經「民數記」記載,凡發怨言的都倒斃在曠野,聖經的話成為我的警戒。
	信主以後,生活上雖不是一帆風順,卻能從每一個困難經歷神所賜出人意外的平安,使我更多渴慕和追求,並選讀一些神學院的課程。在下班後,每週一天或兩天去上課,非常的喜樂,並享受這樣的忙碌,這樣的滿足。想不到卻在這個時候,神用一個很特別的方式呼召我,作全時間的學習裝備。一天我從商場出來,走過停車場,一部車子迎著我,有人叫我,並告訴我她的名字。哦,我想起來了,我們好久不見了,我請她到我家裡來敘舊。正談話中,她手機響了,她跟對方說遇見了老朋友,然後我接過手機,跟對方問候了幾句,對方說起方言,像小時候在馬來西亞聽過的印度話。我說;對方說印度話我聽不懂,朋友馬上接過手機並要了紙筆,把話寫下來,說是神要提昇我,要帶我到一個我沒去過的地方,那些人,我不認識的,那些語言,我沒聽過的。我以為神要帶我去旅遊,便把這事放一邊。
	2008年一個機會,我參加「迦南聖經學院」的體驗營,當時正好是德國人差會的75週年紀念。有三百多位不同地方德國人宣教士參與盛會,使用德文在室外大堂唱詩、讀經、禱告。禱告完畢,我一抬頭,全是金髮藍眼,一個都不認識,一個中國人都不在其中。腦海一閃,大半年前有人給我說的方言,就是這幅景象,眼前的人、事、物都呈現了。參加這個體驗營,住在神的殿中,教堂樓上有學生宿舍,神在這裡給我顯明祂要我做全時間的學習。我說:「主,我不配,我只要做業餘的參與傳福音。」然而,神卻讓我看到一切豐盛都是神給的,「若不是耶和華建造房屋,建造的人就枉然勞力。」
	神並使我看見小時候家門前的一棵芒果樹,從我有記憶起,就知道這棵樹每年只開花不結果,因為樹美又好乘涼,所以也保留著。想不到有一年卻結果纍纍,然而我們不懂得感謝神。第二年又結果纍纍,卻全是壞的,以後就不再結果子了。本來這些事我早就忘了,卻在這晚神打開我心靈的眼睛,得以看見。雖然花開了,若不是神賜福也得不到好果子。「你們清晨早起,夜晚安歇,吃勞碌得來的飯,本是枉然。惟有耶和華所喜愛的,必叫他安然睡覺。」(詩127:2)
	聖經說:「人活著不是單靠食物,乃是靠神口裡所出的一切話。」來美國前,所想的都是美金,信主以後,懂得想我所做的蒙神喜悅嗎?是的,我尊神在我心中居首位,掌王權,這位神,使我生命改變,使我靠著祂勝過試探和引誘,使我能成為一盞明燈照亮週圍的人,使我年老的母親臨終前信主,生命改變。願神使用我在未來的日子,作更合神心意的事,感謝神,為我預備了「迦南聖經學院」,使我完成三年的屬靈裝備。若不是祂大能清楚的引領,可能我已經半途被淘汰了。同學們都來自不同家庭、背景,卻一同學習,雖然會有磨擦,有傷害,也有撒旦的攻擊,若沒有神清楚的帶領、保守,三年時間如何能有足夠的忍耐?被淘汰的機率是不小的,感謝神,祂有無限的恩賜。
	一切榮耀與讚美都歸給有恩慈、憐憫的神。因祂使萬事互相效力。「神所賜的福,使人富足,並不加上憂慮。」(箴10:22)


靈修心得
司徒伍幗平姐妹
	**健康的身體,需要正常的新陳代謝作用。同樣屬靈的生命也要有所「領受」,就有所「付出」。當我們嘗道主恩的美善,怎能閉口不言!把救恩介紹給別人,不斷分享主的愛,將使靈命更新、成長,並且得到主的稱許。
	**有所割捨才有所得著,舊的生命必須先埋葬,新的生命才能生長,當你脫去舊人,穿上新人的時候,就是踏上蒙福之路。
	**神給我們眼睛、耳朵、嘴巴,祂要我們常常看見並經歷神恩。注意靜聽聖靈的微聲細語,並且唱出讚美的詩篇,獻上感謝的禱告,這樣我們就得保守自己常在主的愛中。
	**當你被別人誤解,受到毀謗時,難免心懷委屈,但是你若體貼聖靈就能說:「父啊!赦免他們,因為他們所做的,他們不曉得。」(路:22:-34)這樣你就能登上屬靈的高山,以基督的心為心,必得主的祝福與獎賞。


	

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    Se destacan dos tipos de prestamos, centralizados y descentralizados. La diferencia principal es quien procesa el proceso de credito y endeudamiento; Una empresa o un protocolo automatizado.

    Los prestamos centralizados se basan en empresas que controlan totalmente el proceso, fijan tipos de interes, utilizan un sistema castodial de proteccion de activos (guardan todas las divisas digitales y filmicas en sus cuentas) y recogen informacion sobre los usuarios. Esta ultima se realiza mediante la verificacion KYC/AML. Ademas, los lugares centralizados de trabajo celebran acuerdos de credito individual con cada cliente y pueden establecer asociaciones con otras organizaciones.

    Los prestamos DeFi son diferentes. Se gestionan con un conjunto de protocolos basados en contratos inteligentes que automatizan la distribucion de creditos, la instalacion y el pago de tipos de interes. Como regla, las plataformas DeFi no custodiales, no exigen KYC y son concentrados solamente en criptomonedas, y no al fiat. El usuario puede almacenar sus activos sin confiar en ella, por ejemplo, utilizando un «pen drive» para almacenar la criptomoneda.Los tipos de interes varian segun la demanda y la oferta del mercado; Sin embargo, suelen ser inferiores a las tasas propuestas por las plataformas centrales. DeFi Prestamo en criptoprestamos son mas transparentes, puesto que cualquiera que desea puede estudiar la informacion sobre las transacciones en los blokcheyn-comentadores accesibles.