Category Archives: Money and Finances

September 16, 2015

The Cost of Bribes

By Anthony Baker

Proverbs 15:27

“He that is greedy of gain troubleth his own house; but he that hateth gifts shall live.” 

“A greedy man brings trouble to his family, but he who hates bribes will live.” – NIV

Same Script

Have you ever noticed how most crime dramas on television are the same, at least in the writing department? When we read in Ecclesiastes 1:9 that there is “no new thing under the sun,” it especially applies to television and movie plots.

One reason that it is hard to come up with anything new is because men keep doing the same things over and over again. The stories are all so similar in pattern because the template is ingrained in man’s fallen nature. He keeps falling for the same old tricks every time, like fish that never question a swimming worm.

One common story line involves a man who needs money, takes a bribe, gets caught, then brings his family to ruin. It varies, of course, but whether it’s a politician who takes a bribe in order to keep his career afloat, or a discouraged policeman who deals confiscated drugs in order to take care of his sick children, the end is always the same – trouble.

Doing What’s Right

It is not always easy to turn down easy money. Sometimes the offer can seem pretty tempting. Several years ago my wife and I were asked to hire undocumented workers in order to keep down the costs of a cleaning contract. We were told over and over, “They work hard for little money…everyone does it…no one will find out.” We could have saved thousands of dollars in labor costs.

Doing what is right, however, is more important than money. Greed is the downfall of many. What would have happened my wife’s company had been visited by federal agents? How many lies would she have been responsible for when she filed payroll taxes? What would have happened to our family of one of us had been sent to jail?

Even when times are at their worst, doing wrong, taking a bribe, doing it for the money, is never good for one’s home. Somebody down the line will pay for poor choices made.

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August 17, 2015

True Treasure

By Daniel M. Klem

Proverbs 15:6

“In the house of the righteous is much treasure: but in the revenues of the wicked is trouble.”

Where is my money?

I can hear many people asking after reading this verse, “If the house of the righteous is full of treasure, and I am a devout Christian, where is all of my money? It sure seems wicked people have all the money!”

If this is you, you are not the first to complain about evil people seeming so well-off. We read in Psalm 73:3, “For I was envious at the foolish, when I saw the prosperity of the wicked.” Many godly people have wondered at this.

Claim It in Faith

There is another s0-called gospel message out there, often called the “prosperity gospel” or “Name-It-and-Claim-It,” teaches just that: if you name your desire in faith that God will deliver, you will receive that very thing.

Under this message, with enough faith you can be happy, healthy, and wealthy. Proponents of this message firmly believe in the combined promise of Proverbs 13:22b, “the wealth of the sinner is laid up for the just“, and John 16:23, “And in that day ye shall ask me nothing. Verily, verily, I say unto you, Whatsoever ye shall ask the Father in my name, he will give it you.”

Trust me that these verses are taken entirely out of context.

True Treasure

Here is the real context: while some righteous people will be wealthy and/or healthy, most will only earn their treasure as good standing with God in Heaven by obeying His commands and living in His love.

Read Jesus’ words in Matthew 6:19-24:

19 Lay not up for yourselves treasures upon earth, where moth and rust doth corrupt, and where thieves break through and steal:

20 But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:

21 For where your treasure is, there will your heart be also.

22 The light of the body is the eye: if therefore thine eye be single, thy whole body shall be full of light.

23 But if thine eye be evil, thy whole body shall be full of darkness. If therefore the light that is in thee be darkness, how great is that darkness!

24 No man can serve two masters: for either he will hate the one, and love the other; or else he will hold to the one, and despise the other. Ye cannot serve God and mammon.

The wicked lose out on the favor of God. Our true treasure is Jesus Christ.

Lord, grow Your love in our hearts that we may serve You and love You. Grant us Your grace and patience, that instead of pursuing money and things we would seek Your favor. You are the true treasure.

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July 31, 2015

Giving is Honoring

By Anthony Baker

Proverbs 14:31

“He that oppresseth the poor reproacheth his Maker: but he that honoureth him hath mercy on the poor.”
“Whoever oppresses a poor man insults his Maker, but he who is generous to the needy honors him.” – ESV

Do You Hate God?

It’s as simple as this: if you take advantage of or mistreat the poor, you hate God. End of story. On the other hand, if you love God, then you will have mercy on the poor.

Do you remember old Scrooge? Remember how he despised the idea of giving money to help the poor and needy. At one point he said, “Are there no prisons? [The workhouses], are they still in operation?” Yet, when he got the “Christmas spirit” he had a change of heart and gave more than anyone else?

Beware the Blowhard

Don’t let any pompous blowhard convince you he loves his Maker if he never drops a dime in a Salvation Army kettle. Never trust a religious deacon who raises the rent on his commercial property in order to keep the single moms away. The lottery promoter who makes huge profits on the backs of those who can barely afford to put food on the table…well, he might as well spit in the face of Christ.

His Hands and Feet

We are the hands and feet of Christ in this world. We are to help those who need help as if the Lord was here in the flesh doing it Himself. That is what it means to be Christ-like. Of course, there are needs which will never be met, no matter how hard we try. But showing mercy is a sure sign we are honoring the one who showed greater mercy, giving us everything in the gift of His Son.

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July 11, 2015

Don’t Hate ‘Em, Join ‘Em

By Anthony Baker

Proverbs 14:24

“The crown of the wise is their riches: but the foolishness of fools is folly.”

 Class Warfare

One of the greatest tools of the powerful is to prey on the jealous tendencies of men and women. The ones seeking votes pit the rich against the (perceived) poor and create something called class warfare. In order to manipulate votes they try to make the poor think that their lives will improve if the rich are punished for being wealthy, or “make ’em pay!”

In the last national election I heard things like, “Rich people don’t need all that money,” and “We need to tax the wealthy in order to provide for the poor.” I even heard a teenager essentially say of Mitt Romney, “He’s nothin’ but a rich (anal orifice) that wants to take away our food stamps!”

Don’t Blame the Rich

This proverb doesn’t condemn the rich, however; it praises them. Actually, it praises the wise who become wealthy by saying that their riches are tangible evidence of their wisdom.

Many times the poor are tempted to come up with all kinds of reasons to hate people with more money. They accuse them of all kinds of things, from unjustly inheriting fortunes to steeling from elderly. The jealous and envious run around condemning the rich, while hypocritically wishing they were sailing on the same yacht.

What the “fools” of this proverb fail to understand is that the wise are wealthy because of wise choices. The poor, on the other hand, are poor because of foolish choices.

Choices and Consequences

It has been addressed before, but choices lead to consequences. When we make poor choices regarding money we end up poorer. When we make wise choices we are better off in the end.

For instance, most millionaires in America became wealthy as the result of long, hard work and taking calculated risks. They rarely drive the newest cars, wear the most fancy watches, or live in the biggest houses. Instead of sports cars, according to a book called The Millionaire Next Door, the most common vehicle driven by a millionaire was a used Ford truck. And instead of flashing a Rolex, most wear watches that cost lest than $200.

But as for the “foolish,” well, that’s a totally different story. Instead of working hard, they try hard not to work. Instead of investing in the future, they waste multiple thousands on tobacco, partying, tattoos, lottery tickets, check advances, booze, big screen TV’s, bass boats, jewelry, cell phones, and even wheels that cost more than the cars they drive.

So, the next time you find yourself hating those crowned with riches, take a look at your own investment portfolio. Instead of hating the wise, why not learn from them?

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July 10, 2015

Employment Issues

By David

Proverbs 14:23

In all labor there is profit: but the talk of the lips tendeth only to penury.

No Work, No Pay

In February 1980 I lost my job. I had been married for just under a year, and my wife was pregnant with our first child. Although my wife was still working, she had part-time work only, and we could not survive without my income.

My first visit to the unemployment benefit office was educational, and I was surprised at the number of people claiming benefits who appeared to have no desire to find employment. Being unemployed was not an option for me, but it took seven weeks of filling out forms and knocking on doors before I managed to find a job as the UK was in recession at this time. Sitting down and talking about finding employment would not have worked. I needed to take action if we were to be able to pay our bills. I needed work.

Low Pay

My new job paid less than half of what I had been earning a few months earlier when I was still serving at sea. I came ashore six months after our wedding because I did not want to be separated from my wife for two-thirds of the year. My new job was somewhat different. I exchanged my navigating officer’s uniform for overalls, and my ship for a van. My days were spent driving around the county delivering motor parts to garages.

Despite the low pay I enjoyed my new job. Instead of the freedom of the high seas, I had the freedom of the countryside. Instead of having a salary transferred directly into my bank account at the end of each month, I received my wages in cash at the end of each week.

Job Satisfaction

photo-9The fact that work is about more than wages is most evident in the face of one of the assistants at our local supermarket. He regularly mans the self-service tills. Customers use the self-service tills because they are supposed to be quicker. Inevitably they are not and there are often problems. When problems occur the assistant manning the tills is frequently on the receiving end of significant abuse. This particular assistant smiles his way through the day, despite the abuse. He told me he enjoys his work. It is a joy to watch him in action…a man who is satisfied with his job, because in all labor there is profit, and profit is more than hard cash.

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July 7, 2015

Friends and Neighbors

By David

Proverbs 14:20

“The poor is hated even of his own neighbor: but the rich hath many friends.”

Definition of a Neighbor

An expert in the law once asked Jesus the question: “Who is my neighbor?” This man knew that the law told him to love his neighbor, but while the purpose of the question was to test Jesus, it is doubtful that he was head over heels in love with all his neighbors. So Jesus told a story and put the expert in the law on the spot. The story involved a Samaritan, a person the expert in the law was least likely to want as his next-door neighbor. At the end of the story the legal expert begrudgingly accepted that out of three people, the Samaritan was the only true neighbor to the injured Jew in the illustration provided by Jesus. The mercy, compassion and love showed by the Samaritan enriched him as the giver, and the injured Jew as the receiver. It must also have enriched the innkeeper.

Poor Neighbor or Good?

While mercy, compassion and love bring enrichment, the process of hating another human being brings impoverishment to all parties. Hate is a strong and unpleasant word, but if there is a person or group of people we despise, don’t like, disrespect, look down on, etc., then is that any better than hate? What gives us the right to judge ourselves better than another human being? Are we good neighbors or poor neighbors? Are we rich in mercy, compassion and love? Should we be friends of the rich or good neighbors to the poor?

Who are Your Friends?

It is said that we can choose our friends but not our families. Similarly, it is not possible to choose our neighbors, especially if we consider how Jesus defined neighbors. Jesus quite deliberately spent much of his time with the impoverished of society, rather than with rich people, famous people, or clever people. His friends were fishermen, prostitutes, tax collectors, and the like. Jesus wasn’t intimidated by learning, wealth or position, He looked at the heart. So when a rich young man asked Jesus what he needed to do to be saved, Jesus told him to sell everything and give the proceeds to the poor. By enriching the lives of others in this way this young man would have become wealthy in a different way, with riches that would last forever.

Who is your neighbor?

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June 14, 2015

Clean Troughs

By Grady Davidson

Proverbs 14:4

Where no oxen are, the trough is clean;
But much increase comes by the strength of an ox.

A long line of tightwads

      I have a disclaimer, everybody:  I come from a long line of tightwads.  When my parents became engaged, a mutual friend quipped that their engagement was an excellent match:  “Jim & Maryanne gettin’ married?  That’s good. They can pinch pennies together.”

In 1982, my parents took me and my two older brothers to visit the World’s Fair in Knoxville, Tennessee.  If you visited the Fair in mid-July of that year, you probably remember us.  We were the teenage boys carrying wilted cheese sandwiches in satchels dangling from our belts (in 92 degree heat and 98% humidity) to avoid the high cost of fairground fare for lunch.

That is to say, I “get it honest”.

I was 20 years old before I bought my first car, a 1973 Plymouth Scamp for which I paid $850. It came complete with a shredded and flapping vinyl top and fenders so rusted out from the salt on the winter highways of Southwest Virginia that I dared not drive the car through a car wash for fear of leaving too many parts behind.  When driving in the rain, water would pour in under the dashboard, soaking shoes, socks, and pants legs. I’m not exaggerating!

Early in our marriage, I can remember having discussions with my new wife concerning the threshold of excessive toilet paper usage.  (Just use your imagination.)  As I type these words, I examine my current attire:  a striped, button-down, long-sleeve shirt which came to me second hand from America’s Thrift Store, a worn pair of khaki pants purchased on sale in a discount clothing store three years ago for around $20, and socks and underwear that are, let’s just say, of mature age.  Only my shoes are of a brand name which you might possibly recognize, a brand and style I am medically required to purchase to give support to my very flat feet.

So today’s proverb is really for me and for others of the dying breed of folk who are allergic to the spending of money.

Expensive critters

Let’s face it:  Oxen are expensive critters to keep around.  It has been scientifically proven that they have to be fed a certain amount to survive.  Oxen require a ready supply of drinking water.  Oxen need routine preventative and maintenance veterinary care.  They need strong fences to contain them.  They need barns for shelter in severe weather.

Thus if you have no oxen in the stall, the trough is “clean”, or perhaps a better rendering would be, “the granary is empty”.  You don’t have to fill the barn with hay, or purchase corn for the crib, if you have no oxen to feed.  It’s much cheaper to own no oxen.

Wise capital investment

However, seen as a capital investment, oxen can bring the wise farmer great financial reward.  Of course the proverb harkens from a pre-industrial age, but the point is obvious.  Oxen drag the plow to cut the sod so that crops can be sown.  Oxen pull the carts and wagons when bringing in the harvest from the fields, and then they haul the harvest to market.  Indeed, “much increase comes by the strength of an ox.”

Investment is risky business.  By its very definition, invested money may be totally lost.  Otherwise healthy-looking oxen drop dead of heart attacks on occasion, I suppose.  But wise, intentional investments create the possibility for wonderful profits.  To interpret the biblical proverb with a proverb from our popular culture, “Nothing ventured, nothing gained.”

Two gospel passages

In light of Proverbs 14:4, two New Testament texts come to mind.  The first is the Lord’s parable of the sower (Mark 4:1-20).  Without recounting the parable’s details, I conclude that the Lord’s primary point is to emphasize the miraculous increase of the seed that fell on good ground (verses 8 & 20).  When it comes to our stewardship of the gospel, invest heavily!  Throw caution to the wind!  Proclaim the gospel of the Kingdom everywhere, and although three-fourths of the time it won’t amount to much, we can count on an astonishing, miraculous, God-given increase when the seed of God’s Word does hit the “pay dirt”.  There are so many Christian congregations which have the clean troughs of playing it safe in the ministry.  Our proverb would say, “Go big for the gospel of Jesus Christ!”

The second text is found in Matthew 25:14-30, the parable of the talents.  Space does not permit me to retell the passage, but the connection with our proverb is clear enough:  Invest for the master!  Don’t be a scrooge and hide heaven’s riches in a hole in the ground.  Take a chance!  Do something big and bold and risky for the Master!

Father God, make us to be wise and bold investors of all which you have entrusted to us, blessings both temporal and spiritual.  Forgive us when we fail, not for our sake, but for the sake of your own dear Son.  Through Christ our Lord: Amen. 

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May 14, 2015

Honored On a Box

By Anthony Baker

Proverbs 13:18

“Poverty and shame shall be to him that refuseth instruction: but he that regardeth reproof shall be honoured.”

Cracker Jack Boxes

Years ago I had a great sales manager, Dennis Vauvrunek.  He was great because he was a servant leader; because he was an encourager; and because he tried to bring out the best in his people.

Dennis knew that sales people are competitive by nature. So, in order to showcase the person with the highest numbers each week, he gave away an award – a box of Cracker Jacks.

Now, this was not just any box of Cracker Jacks, but one that had printed on the front the name of the winner and the dollar amount sold. It was amazing how much harder some of us would work when we though someone else might get the box. Sometimes getting that box was more important than a paycheck.

Honor and Reproof

The key to the success of the Cracker Jack box was the natural desire to be honored. The one who received it was considered the “best of the best”…a “go-getter,”…a winner.

But success in any field does not come by accident. Hours and hours of instruction, hands-on training, and learning from one’s mistakes were a prerequisite to being successful. The winners of Cracker Jack boxes were men and women who had been humble enough to accept reproof.

Poverty and Shame

Those who never accept instruction, much less reproof, are usually destined for poverty. Poverty and shame are the wages of pride.

When the industry I was in was active, I made really good money. But making a good living came as the result of dedicated, systematic, hard work. When I trained others to do what I did, I would show them exactly what was needed to be successful. All they had to do was follow my instructions. Those who didn’t went broke. Those who wouldn’t take advice never met their quotas. It didn’t take long before they were gone.

Your Name on a Box

Do you want to succeed in a particular area of life? Do you want to provide for yourself and your family? There is a price to pay. You must be humble.

1 Peter 5:5-6 – “Likewise, ye younger, submit yourselves unto the elder. Yea, all of you be subject one to another, and be clothed with humility: for God resisteth the proud, and giveth grace to the humble. Humble yourselves therefore under the mighty hand of God, that he may exalt you in due time.“

What kind of box do you want?

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May 11, 2015

The Hard Way

By Anthony Baker

Proverbs 13:15

“Good understanding giveth favour: but the way of transgressors is hard.” KJV
“A person with good sense is respected; a treacherous person is headed for destruction.” NLT

 A Hard Life

Every now and then you may encounter people with a look that older than than their age. You may meet a man who is only in his thirties, but looks like he over sixty. A young woman may cross your path that is wrinkled, bent over, and haggard, only to find out that she is 28 years way too old.

What makes people look like they are much older than their chronological age? Hard lives. Lifestyles bent on destruction.

To be fair, there are others that you may see who have been through a lot of pain and suffering due to circumstances beyond their control. These, too, may look older than they actually are. Life has been hard on them. But for many, what they have endured has been the result of a transgressor’s path, and that’s a hard road.

Good Sense

A person that exhibits good sense (“understanding”) is typically a person who takes better care of himself. Good sense says, “Hey, maybe staying up late every night partying until the sun comes up is a bad idea.” Good sense says, “You know, taking that drug might be harmful, not to mention addictive.”

Someone with understanding and good sense is also somebody others respect and trust. For example, this type of man or woman is the one who gets the job or promotion. He or she is the one who gets awards and bonuses. They are also the ones who have lower life insurance premiums and rarely have to pay large down payments to purchase anything on credit.

However, the transgressor is the one who nobody really trusts closing the store at night. He’s the one who always calls in sick on Monday morning. Life insurance companies consider him a “high risk” and deny him coverage. And when it comes to buying a house or new car, all he can do is rent.

Advice for the Road

Let me give you some advice. If you are planning on traveling down the “hard road” of life, plan on things never going your way. But don’t think you can blame all of your woes on those with more than you, because they have “understanding;” they can see through your schemes.

Don’t blame the government. Don’t blame the church people. Don’t blame your boss (if you can keep one). Don’t blame anyone for the path that you have chosen.

Also, if you are planning to live a life that transgresses God’s word (His law), don’t blame Him when things don’t go the way you plan. He warned you.

So, when you find yourself living in a run-down motel, remember, Wisdom has been crying out, “You simple people, use good judgment. You foolish people, show some understanding” (Proverbs 8:5 NLT).

When you won’t listen to Wisdom, your way will be hard.

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May 3, 2015

Wise Investments

By David

Proverbs 13:11

“Wealth gotten by vanity shall be diminished: but he that gathereth by labor shall increase.” (KJV)
“Wealth from get-rich-quick schemes quickly disappears; wealth from hard work grows over time.” (NLT)

Get Rich Quick

A very good friend of mine has often considered ‘get rich quick’ schemes. On several occasions he has arrived on my doorstep with details of some scheme he has received in the post, or seen advertised in the press or in a magazine. Fortunately the temptation to participate in such schemes has never gone beyond discussing the details with me. Whenever I see one of these schemes I cringe inside because I know that they will not provide the returns my friend expects.

Get Rich Even Quicker

The advent of email and the Internet bought get rich schemes beyond the need to mail information. The so-called Nigerian 419 scams require an advance fee and the provision of bank details with the promise of an enormous payout. It seems incredible that anybody would believe the contents of such emails, yet there are those who pay fees to the fraudsters, and provide their bank details, only to find that their accounts have been emptied and they are poorer not richer for the experience.

Where Are You Investing?

The experience for most of us is that nothing is free. If you want to accumulate wealth then in general you need to work hard. But many of us work hard without ever becoming what we would consider to be wealthy. There are more ways than one to quantify wealth and we need to question where and how we are investing. If we labor hard at our work with the sole aim of increasing our worldly wealth our spiritual investments are likely to suffer. Jesus provided the following investment advice:

“Do not store up for yourselves treasures on earth, where moths and vermin destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moths and vermin do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.” (Matthew 6:19-21 NIV)

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