Misc

1999年我一家四口移民澳洲，一切安頓後，在十一月某一天，我頭痛得很厲害，不只嘔吐，連頸都不能動，當時已下午六時，醫生都休息了，因為頭太痛，連晚飯都沒吃就睡覺。第二天送完孩子上學就去看家庭醫生，請醫生給我止痛藥，誰知他著我丈夫開車送我到醫院去，最後我們帶著醫生信去了Westmead Hospital急症室，經過檢查後證實是腦血管瘤爆裂，因醫院沒有腦科醫生及手術室已滿，感恩他們為我找到RNS Hospital一位澳洲有名的腦科專家醫治我，於是救護車把我送過去。我因沒有買醫療保險所以等三天才有手術室來做手術，感謝主開腦手術非常成功。一個月後就回家，之後到家庭醫生覆診，他說我的性命是撿回來的，應該去教會聽聽聖經的道理。

剛巧有位朋友帶了我來北宣，當時我聽完道就急不及待地離開，怕被人捉住傾談。直到有一個主日，周振成牧師講到神是我們最親最愛的，只有祂才是我們的倚靠和信賴，絕不會背叛和出賣我們的。我聽了很反感，因為我想這應該是我的丈夫呀！之後兩三年我都沒有再去教會了。

直至2005年我以為最親最信任的人竟然背叛了我，之後，我躲在家裡日日以淚洗面。以前那位朋友又帶我參加北宣婦女會，得到姊妹安慰和開導，藉著團契小組查經和分享，我感受到神沒有離棄我，差人把我帶回祂的家，讓我經歷到祂無盡的恩典和大能，於是我在年底受洗。

時至今日我經歷了身體各樣的病痛，更令我感受到神才是我最親最愛和最值得信靠的。我深深體會北宣是神的家，亦是我的家，裡面盛載著牧者同工、弟兄姊妹的愛、付出和溫暖。

感謝神！北宣在祂的帶領供應和弟兄姊妹的付出已進入35年，而我轉間參加北宣聚會、洗禮到現在，已漸漸過了23年。 在這段日子中，在神的恩典下，北宣在屬靈和身心健康方面帶給我很多的福氣，現在又讓我以簡單的文字來描述我的感受。

首先神藉着祂和北宣群體，帶領我在人生道路上有正確價值觀，令我在人格及道德標準、金錢價值觀、待人接物和人際關係上有改善。 當我認識衪之後，我知道自己很多不足及缺點，同時也認知祂賜給我的長處和恩𧶽，亦都知道這一切都是從祂而來，令我懂得接納自己和學到應該要更加謙卑來回應祂和其他人，亦感到祂在我不信的時候，祂也是照顧我。 到現在我仍然在學習階段，在很多事情方面我都信心不足，都有疑惑，亦有時對祂的愛有很難觸控和不肯回應，但祂永遠都耐心地透過祂的說話、牧者講台的教導、聖靈主導的反思和一些弟兄姊妹的鼓勵包容，讓我慢慢地改善。相信未來日子裏面，我仍然有很多地方需要學習，但碓信聖靈會加力給我，希望主再來的時候得到祂的認同。

另外神亦藉此段時間，給我認識到很多朋友、球友、主內弟兄姊妹和事奉祂的機會，這些人和事在我人生不同的階段，都帶給我我很多的歡樂和驚喜，當然有時亦會帶來期望落差、失望和頹喪的心情，但亦由這些環節，帶給我人生一些難忘的回憶、神管教和信實的實在經歷。

相信北宣教會未來會有更多的35週年，而我會繼續恆切求聖𩆜加力在我餘下日子裏繼續學習回應神的愛，用祂給我恩賜和各樣的資源適時適當地見證事奉祂，求祂管教和𧶽謙卑受教的心，感恩知足的心，敬畏悔改的心，剛強壯膽的心，在晚晴人生道路上滿有喜樂、滿有信心和榮耀主名，阿們！

哥林多后书 12:9 但他对我说：“我的恩典够你用的，因为我的能力是在软弱中显得完全。”所以，我更乐意因我的软弱夸口，好使基督的能力常在我身上。

我是一个比较内向的人，通常不喜欢过多谈论自己的事情。然而，我已经经历了很多上帝的恩典, 将我这个性格内向的人变成一个可以在台上自如地見証祂的人。我坚信焦点应该永远放在上帝身上，而不是我自己。但是, 圣灵提醒我，分享上帝在我的生活中所行的奇妙事迹, 是一种崇拜，也荣耀祂的名。

有着会计和金融背景，十年前我踏上了管理自己的退休金（SMSF）的征程。我相信我能够应对不断变化的金融环境的复杂性，以确保更好的退休未来。我利用我的SMSF以買樓花方式购买了一房产，一切似乎进展顺利。然而，当房产竣工后，政府政策和銀行要求的变化开始影响到了局面。获得购房贷款变得不可能。后果包括面临失去大笔定金、因延迟交割而产生罚款利息，以及潜在的需要赔偿开发商因以较低价值出售房产所遭受的损失。我不得不放下自尊，寻求该领域专家的帮助。不幸的是，SMSF管理的复杂法规让我没有明显的解决办法。这对我全家的退休计划带来了巨大打击，令我感到非常沮丧。作为一个会计专业人士，这对我来说是个难以接受的现实。

然而，当一切似乎绝望时，上帝为我铺平了前路。在一个C&MA總會舉辦的会议期间，我偶然与一位其他教會牧者合住一间房间，他分享了上帝的引导经历。他成功地卖掉了自己的房子并在同一天购买了一套新房，无需桥贷。受此启发，我感谢上帝将“同日交割”的想法放入我的心中。解决方案是让我的SMSF购买该房产，并在同一天将其出售给我。唯一的障碍是克服法律限制，即禁止SMSF购买或出售房产给其董事。最终，在上帝的干预下，我获得了政府的批准，成功完成了转让。这个房产最终成为我儿子婚后的家，为这个大挑战画上了圆满的句号。

我感謝上帝不離不棄的爱，并由衷地赞美祂的无限恩典。我附和着路加福音1:46-48中马利亚之歌:“我心尊主為大, 我灵以神我的救主为乐；因为他顾念他僕人的卑微。”

一切荣耀和赞美都归于祂的名！

2 Corinthians 12:9 But he said to me, “My grace is sufficient for you, for my power is made perfect in weakness.” Therefore I will boast all the more gladly about my weaknesses, so that Christ’s power may rest on me.

I’m a rather reserved individual and tend to keep details about myself to a minimum. However, I’ve experienced numerous instances where God has transformed me, an introvert by nature, into someone who feels at ease speaking about Him on stage. I firmly believe that the focus should always be on God, not on me. But the Holy Spirit has reminded me that sharing the remarkable things God has done in my life is a form of worship and brings glory to Him.

With a background in accounting and finance, I embarked on the journey of managing my own Self-Managed Superfund (SMSF) a decade ago. I believed that I could navigate the complexities of the ever-changing financial landscape to secure a better future for my retirement. I used my SMSF to purchase a property off-the-plan, and everything appeared to be going smoothly. However, when the property was completed, changes in government policies and financial requirements came into play. Securing a bank loan for the purchase became impossible. The repercussions included the risk of losing a substantial deposit, incurring penalty interests due to the delay in settlement, and potentially compensating the developer for selling the property at a reduced value. I had to set aside my pride and seek assistance from experts in the field. Unfortunately, the intricate regulations governing SMSFs left me with no apparent solution. This was devastating, as it threatened the retirement plans of my entire family. After months of prayer and fruitless search for answers, I reluctantly concluded that our retirement would have to be postponed for many years. As an accounting professional, this was a hard pill to swallow.

However, when all seemed lost, God paved a way forward. During a C&MA conference, I happened to share a room with a senior pastor who shared a remarkable story of God’s guidance. He had managed to sell his house and purchase a new one on the same day, without the need for a bridging loan. Inspired by this, I thanked God for placing the idea of a ‘Same Date Settlement’ in my mind. The solution was for my SMSF to purchase the property and simultaneously sell it to me personally on the same date. The only hurdle was overcoming the legal restriction that prohibited SMSFs from buying or selling property to their directors. Eventually, with God’s intervention, I received government approval and successfully completed the transfer. The property eventually became my son’s home after his wedding, resulting in a happy ending to a challenging situation.

I am utterly amazed by God’s incredible love and offer my heartfelt praise for His boundless grace. I echo the sentiments of Mary’s song in Luke 1:46-48, “My soul magnifies the Lord, and my spirit rejoices in God my Savior, for He has looked with favour on the humble state of His servant.”

All glory and praise be unto His name!