Category Archives: Money and Finances

July 8, 2019

Just Say “NO!”

By Grady Davidson

Proverbs 11:15

“He that is surety for a stranger shall smart for it: and he that hateth suretiship is sure.”

Proverbs 11:15, 16, & 17 are connected in that each involves someone who acts with kindness, but with varied results.  In tonight’s verse, we consider a kindness that brings injury; in tomorrow’s, a kindness that brings honor; and in the third instance, a kindness that brings benefit.

A KINDNESS THAT BRINGS INJURY

In the first half of verse 15, we read, “He that is surety for a stranger shall smart for it,” or as the ESV reads, “Whoever puts up security for a stranger will surely suffer harm.”  Solomon returns here to a theme he has already elaborated upon at length in Proverbs 6:1-5.  The idea is fairly straightforward in both texts.  So, somebody asks you to lend him a hand by cosigning on a loan… what is the “Christian” thing to do?  The problem is that you like to be liked. You want to come across as a decent and generous person.  You want to be helpful.  So you cosign on the automobile, or mortgage, or student loan, or credit card offer.  And now, my friend, you have obligated yourself in regard to the other’s ability to earn, budget, and spend income.  Unless you are that individual’s mother, that’s an awkward spot to be in.  No, I take that back.  Even if you are that individual’s mother, that’s an awkward spot to be in.  You have absolutely no leverage in the situation.

NOW GUESS WHAT?

You’re on the hook if and when the person defaults on repayment.  If your name is signed on the bottom line, the creditor can and will come after you.  The FTC tells us that in as many as 3 out of 4 loans that go into default, the cosigners are asked to repay the loans.  Think about it.  When you cosign a loan, you are taking a risk which the professional lenders have refused to take.  If the borrower could meet the lender’s criteria, there would be no need for a cosigner in the first place.  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre06.shtm

NEWSFLASH

Jesus didn’t die to make you “nice.” No, he died to make you His!  Sometimes the “Christian” thing to do is to ask, “Have you totally lost your mind?  You can’t afford that car, or house, or new TV!  Save some money for it and pay cash!”

A FIRM, WISE “NO”

In the second half of the verse we read, “And he that hateth suretiship is sure.”  Oh, the security and peace of mind enjoyed by the one who has not entered hastily into business agreements!  Years ago, First Lady Nancy Reagan, as she spearheaded a campaign against drug abuse, popularized the slogan, “Just Say No.”  The same firm “No!” might well be in order the next time someone approaches you about helping him with a loan.

Father God, thank you that when you see us, you see the righteousness of your own dear Son.  Thank you that our security and identity are in Christ.  Free us, Father, from the need to be people-pleasers to our own harm. Through Christ our Lord: Amen.    

Leave a comment   |  tags: , , , , , , | posted in Money and Finances, Warnings

July 3, 2019

Overboard With Everything (11:4)

By David

Proverbs 11:4

“Riches profit not in the day of wrath: but righteousness delivereth from death.”

Extending Life

According to Wikipedia approximately 250 people are believed to have invested in cryopreservation as a means of maintaining their bodies in a suspended state after death. They hope that science will one day find a solution to whatever it was that killed them so that they may live again! Considerable wealth is necessary to fund cryopreservation, but the fact remains that even the wealthy die. No amount of money can change the fact that our days on earth are numbered.

Death Approaches Silently

Years ago while anchored in the Shatt-al-Arab River we hosted some officers from another British ship in our bar one night. I spent a long time listening to one of them telling me about his perfect his life. He had bought a new flat (apartment) back home, and a new car. He had a wonderful girlfriend and a great job. He showed me the expensive Seiko watch he had purchased in Japan earlier in the trip. I can remember being envious. I was only a cadet at the time, and the lowest paid person on the ship.

Later that night our officer of the watch got a VHF call from the other ship asking if we could put our boats down and help them search for a missing officer. The very person who had spent the evening telling me about his absolute satisfaction with life had fallen out of the boat when trying to board his ship. It was three weeks before his body washed up further downstream. He died with everything he ever wanted, but without the only thing he ever needed: Salvation by grace through faith in Jesus Christ.

Rich Fools

Jesus told a parable about a rich fool who had his best year ever on the farm. The harvest was so good that he decided to demolish his barns and build bigger better barns so that he could store away plenty for years to come. That night the farmer died. The NIV version is shown below:

Someone in the crowd said to him, “Teacher, tell my brother to divide the inheritance with me.” Jesus replied, “Man, who appointed me a judge or an arbiter between you?” Then he said to them, “Watch out! Be on your guard against all kinds of greed; life does not consist in an abundance of possessions.”

And he told them this parable: “The ground of a certain rich man yielded an abundant harvest. He thought to himself, ‘What shall I do? I have no place to store my crops.’ “Then he said, ‘This is what I’ll do. I will tear down my barns and build bigger ones, and there I will store my surplus grain. And I’ll say to myself, “You have plenty of grain laid up for many years. Take life easy; eat, drink and be merry.”’

“But God said to him, ‘You fool! This very night your life will be demanded from you. Then who will get what you have prepared for yourself?’ “This is how it will be with whoever stores up things for themselves but is not rich toward God.” Luke 12:13-21

The writer of Proverbs captures this parable in a single line, ably demonstrating the simplicity of the message. You cannot buy salvation. Eternal life is a gift that may be claimed only by surrendering your earthly life to God.

1 Comment   |  tags: , , , | posted in Fools, Money and Finances, Trust the Lord, Warnings, Wisdom

June 30, 2019

Watching the Scales

By Anthony Baker

Proverbs 11:1

“A false balance is abomination to the LORD: but a just weight is his delight.”

True Weight

In the attempt to stay a lean, mean, fighting machine (oh, get real), I have found myself watching the numbers when I weigh myself. As a matter of fact, there is a small calendar in our bathroom where I have recorded the numbers over about three months.

One day I was so excited that I had seemingly lost several pounds. I told my wife, “See, I am losing weight!” Then, later that day, I went to the doctor’s office for a regular checkup. It was there that my inflated ego became a lead balloon, for the official scales told a different story.

What I had thought was my weight when I stood on the cheap scales at home did not square with the expensive, worthless-to-argue-with scales at the doctor’s office. Instead of losing weight, I had gained weight. The scales at home lied!

Balances and Ducks

In order to really understand this proverb, we must understand what is meant by a “false balance.” As you can see by the illustration, things used to be weighed by placing one object on one side of a balance, and then a standard weight on the other.

A humorous example of false weights and false scales can be found in a scene from the movie Monty Python and the Holy Grail. In that scene a woman is accused of being a witch, so “logically” they decide that since wood burns the same as witches, and wood also floats, then something besides wood must be put in a scale to determine if the woman was actually a witch. They choose a duck, because ducks float in water like wood. Yeah, it’s crazy.

Once they take the accused witch to the scales, they place a duck on the opposite side. When they remove the blocks underneath, guess what? The scales did not move. Hmmm.

False Balances

But what God hates is a false balance. In other words, God hates scales that have been tampered with in order for a merchant (or a witch burner) to make a profit. God hates scales that do not tell the truth, but lead others to believe they do. God loves the truth, even if the scales tell us something we don’t want to admit.

In the book of Daniel we read of Belshazzar of Babylon seeing a message written by God on a wall. Among other things it said, “TEKEL; Thou art weighed in the balances, and art found wanting.“(Daniel 5:27). In Belshazzar’s mind his bathroom scale was just fine. But according to God’s scale, he was way, way off.

This proverb is primarily pointed at those who lie to make a profit. It is about those who tamper with what is a “true” weight to perpetuate a falsehood. In other words, hypocrisy.

But from a different perspective, we should remember that how we think of ourselves needs to measure up with God’s standard. The world’s scales are always a little unbalanced.

Leave a comment   |  tags: , , , , , , , , , , | posted in Money and Finances, Truth, Uncategorized, Value and Worth

June 19, 2019

Richly Blessed

By Anthony Baker

Proverbs 10:22 

“The blessing of the LORD, it maketh rich, and he addeth no sorrow with it.”
Getting Rich

You can turn on the television any time of the day or night and hear things like…

  • “Call right now and I will send you a free brochure detailing how you can learn to give me money to learn how to become wealthy like me!”
  • “For a limited time only, you can receive my secret for success for only $199.95!”
  • “Sow a $1000 seed of faith into this ministry, and God promises to bless you ten-fold, show you favor, and magically replace the tires on your Buick.”

Then there are other commercials on television, along with ads of all kinds, that promote the “fun” of gambling…

  • “Somebody’s gonna win – it might as well be you!”
  • “If you love excitement and fun and joy and all that stuff, nothing beats the fun of thinking you may become a millionaire as soon as you scratch the silver stuff off a paper card!”

Everybody wants to “get rich quick.” Nobody wants to have to work for it. Everybody wants to get lucky in Vegas.

Going Broke

The sad truth is that so many people who become wealthy over night turn right around and lose it all. Many who become millionaires in an instant go bankrupt almost as fast. The result is depression, loss, rejection, desperation, and even suicide.

Jesus posed a question in Mark 8:36.  He asked, “What good is it to gain the whole world and still lose your own soul?” Even when you have it all, you can still be completely broke, even destitute.

Richly Blessed

Some of the happiest people in the world are the poorest. I have seen people in the poorest parts of eastern Europe who had more joy and peace than the richest millionaires in Hollywood or New York. The reason is that many of the poor were believers in Christ, and in Him they were blessed. They were rich in mercy and love. They had all they needed, and they were content with what God gave them.

On the other hand, I have known the rich who always wanted more and were never happy.  Their wealth added sorrow upon sorrow. They knew nothing of the “blessing of the LORD.”

Being richly blessed by God doesn’t always involve being wealthy, but it does include what money can’t buy – the ability to enjoy what one has without regret, or sorrow.

A Prayer

Jesus, thank your for your blessings. Help us to focus not on the passing wealth of this world, but the treasures laid up above. You know what is best for us, so help us to trust you. Remind us that seeking anything outside your plan will only result in added sorrow.

Leave a comment   |  tags: , , , , , , , | posted in Money and Finances, Value and Worth

June 14, 2019

Could You Handle It?

By Anthony Baker

Proverbs 10:16

“The labour of the righteous tendeth to life: the fruit of the wicked to sin.”

It’s Not About Money

There is a popular saying that has been around a long time. It goes, “Follow the money.” The idea is that if you want to know who’s behind something, or what’s at the root of something, then just follow the money trail – there you’ll find the answer.

But in reality, it’s not always just about money. Money is amoral. Money is neither good, nor evil. What people do with money has a lot to do with the heart of the person spending it.

It’s What You Do With It

Every once in a while a different translation can help to shed light on certain truths. You see, in verse sixteen it is not about the “labour” or the “fruit” as much as it is about the “righteous” and the “wicked.” Look at how the New Living Translation treats this passage…

The earnings of the godly enhance their lives, but evil people squander their money on sin. – Proverbs 10:16 NLT

The point of this proverb is to highlight the differences between the righteous and the wicked. The difference is that the same money, the same labor, can bring life, or it can be used to dig deeper into sin, but it all comes down to choice. What a person does with their money; what a person works for each week; these are outward indicators of the heart.

Ask Yourself this Question

If wealth was dropped into your lap tomorrow, how would you handle it? If you were to become a millionaire tomorrow, would it be the end of you, or the beginning? Either way, don’t blame or give credit to the money. The state of your heart, right now, is what would determine the outcome.

Are you poor? Could you handle wealth? If not, then you may have issues that are worse than an empty bank account.

Leave a comment   |  tags: , , , , , , | posted in desire, Money and Finances, The Righteous, The Wicked

June 12, 2019

Saving Words

By Anthony Baker

Proverbs 10:14

“Wise men lay up knowledge: but the mouth of the foolish is near destruction.”

A Penny Saved

I am not sure where the saying “A penny saved is a penny earned” originated. For the longest I was under the impression that Benjamin Franklin coined it (coined it – now that’s funny), but evidently it originated much earlier in the 17th century. That’s OK, though. Whoever “coined” the “penny saved” idiom, if not already dead, is probably too thrifty to sue over copyright infringement.

Nevertheless, the idea of the idiom is that not spending a penny is the same as saving a penny. And when you save a penny, you grow richer in pennies by the day. Too bad pennies aren’t even worth pennies any more. But I digress.

You may be wondering what saving pennies has to do with today’s verse. Well, like pennies, or dollars, or pounds, or whatever, a wise man knows not to use up all his words. He knows there is profit in saving his wisdom for the right time.

A Penny Wasted

Even though pennies are of little value these days, they do have some value. Save enough of them and you could eventually have some money on hand. The foolish man, however, fails to recognize how things add up, so he spends his words quicker than a child’s allowance in a game room.

This sorta reminds me of what my wife tells young children when they won’t stop talking. She says, “Don’t use up all your words.” Wisdom teaches us to use our words carefully, but a fool speaks until he’s proven bankrupt.

A penny saved is a penny earned, and a watched word is wisdom stored.

A Prayer

Lord, some of us love to talk. Help us to save our words instead of spending them all in one place. 

Leave a comment | posted in conversation/speech, Knowledge, Money and Finances, Uncategorized, Wisdom

June 7, 2019

Gather Now!

By Daniel M. Klem

Proverbs 10:5

“He that gathereth in summer is a wise son: but he that sleepeth in harvest is a son that causeth shame.”

Of Ants and Grasshoppers and Men

Many have heard of Aesop’s fable about an ant and a grasshopper. The grasshopper spends the summer having fun and not working. (My wife and I can understand that, as we both currently work in schools with summers off!) The ant works hard all summer saving up food for the winter months. When winter comes, the grasshopper is starving while the ant is thriving. Some versions show the message of grace by having the ant share some of its food with the grasshopper. (Darker versions only have the ant rebuking the grasshopper … who dies.)

The moral is that idleness and laziness can lead to ruin, but hard work pays off for tomorrow.

One of the problems of the so-called welfare state, in which the government covers most or all of individuals’ needs, is that many people become, well, lazy and dependent. This is the main reason most political conservatives distrust government programs which support people, such as prolonged unemployment benefits.

God’s Thoughts

One of my favorite passages from the Bible, Matthew 25,  includes the parables of the Ten Virgins, the Talents, and the Sheep and the Goats. They all have the same point: do not spend your time fooling around, but be prepared.

Sure, we are commanded to not worry about tomorrow, but the best way to not worry is to be prepared!

This is a good time to remind us all that these parables, and therefore today’s proverb, tell us that we cannot rest with an understanding that we are safe, that “I am saved!”

Jesus came to seek and save the lost, sure, but it came with a call: love others. A Christian’s salvation is evidenced by showing love to others; by feeding the hungry and clothing the naked; by weeping with the broken-hearted and healing the hurt; by seeking and reaching out to the lost; by preparing our hearts by drawing near to Him.

Great Lord, we thank You for having a plan for and saving us. Help us to not only prepare for our near future, to be good stewards of what You have given us, but also help us to prepare for eternity. Grow Your love in us, that we may love as You love.

Leave a comment   |  tags: , , , , , , , | posted in advice, Faithfulness, Love, Money and Finances, Wisdom

June 7, 2019

Simple Warning

By Jason Sneed

Proverbs 10:4

“He becometh poor that dealeth with a slack hand: but the hand of the diligent maketh rich.”

Warning Labels

They come on all kinds of things, from blow dryers to toasters, from heating pads to pillows – they are “warning labels”. They are put on these items to, well, warn us!

They are warning us to be cautious! They are warning us that we should not do something! And they are warning us that if we do something, then there will be consequences for our actions.

Solomon’s Warning

I am pretty sure that if Solomon could have, then he would have taken a small piece of scroll and taped it to this verse as a warning label for us. He is telling us that if we don’t work hard or if we are lazy, then there will be consequences for our actions! And those consequences will be that we will be poor.

It really is that simple – be diligent and have riches – be lazy and become poor.

As Christians, we should be the hardest working people that our bosses have working for them. No matter where we work, we should work at it with all our might. I Corinthians 10:31 says, “Whether therefore ye eat, or drink, or whatsoever ye do, do all to the glory of God”.

Conclusion

Poor or rich, the choice is yours! It is a choice that we must make every single day. The man who works hard at his profession or other duties will be rich, but the man who is a lazy, or sluggard, will be poor. It is up to you!

Lord, help us to make the choice every day to be diligent workers for not only our bosses, but for You! Help us in all we do, to do it for the glory of You!

Leave a comment   |  tags: , , , , , | posted in Money and Finances, Warnings

June 6, 2019

Hungry for Grace

By Anthony Baker

Proverbs 10:3

“The LORD will not suffer the soul of the righteous to famish: but he casteth away the substance of the wicked.”

Unlike Matthew Henry, Charles Spurgeon, Shakespeare, or David Welford, I occasionally have a hard time with words. This is one of those times.

There is so much that can be said about this verse, Proverbs 10:3, but it really all comes down to a few observations.

First. “Treasures of wickedness profit nothing…” (Proverbs 10:2). In order to better understand verse three, we can’t drag it far from verse two. There the idea is that money is worthless when it comes to buying life. Only righteousness delivers from death.

Second. A hungry soul cannot be satisfied with money, nor with anything else the wicked can produce. As a matter of fact, the only soul with any hope is the righteous one. “The LORD will not let the godly go hungry, but he refuses to satisfy the craving of the wicked” (Prov. 10:3 NLT).

Third. The wicked soul will always feel hungry. Some will even try to buy food for their soul, but God will only throw out their offer.

At this point I can’t help but remember the words of a Bruce Springsteen song, Hungry Heart. Remember these words?

“Everybody’s got a hungry heart
Everybody’s got a hungry heart
Lay down your money and you play your part
Everybody’s got a hungry heart.”

Grace. More than anything, it’s all about grace. God offers peace, rest, and nourishment for the soul that depends on Him. He doesn’t sell that peace, but offers it freely. If you try to buy it, He will just turn you away.

That reminds me of the words to another song…

“Rock of Ages, cleft for me
Let me hide myself in Thee…
Nothing in my hands I bring,
Simply to Thy cross I cling…”
Related articles

Leave a comment   |  tags: , , , , , , , | posted in desire, Money and Finances, The Righteous, The Wicked

May 25, 2019

Better Fruit

By Anthony Baker

Proverbs 8:18-19

“Riches and honour are with me; yea, durable riches and righteousness. My fruit is better than gold, yea, than fine gold; and my revenue than choice silver.”
A Tear

As I was reaching up to type these words, I wiped a tear from the table in front of me. The odd thing about it was that I had to stop and think what it was. Evidently, it had been a while since I last saw one drop.

I am sure there will be more. And really, that’s a good thing.

Tears are valuable. They teach what happiness and indulgence never can. They teach us that we are weak, that we break, and that we are incapable of fixing everything, if anything.

They tell us we’re dependent on God. And really, that’s a good thing.

A Better Fruit

To many, a fallen tear on one’s table is nothing more than a drop of water. However, to the Christian, the one who loves Wisdom, it is a glistening jewel-like seed, the fruit of which far surpasses the earnings of any other investment.

The “durable riches and righteousness” of wisdom are far better than the rarest currencies on Earth. What grows from the tears of a humble heart cannot be purchased with all the money in the world.

“Riches I heed not, nor man’s empty praise,
Thou mine Inheritance, now and always:
Thou and Thou only, first in my heart,
High King of Heaven, my Treasure Thou art.”

And God shall wipe away all tears from their eyes; and there shall be no more death, neither sorrow, nor crying, neither shall there be any more pain: for the former things are passed away. – Rev 21:4

071112

Leave a comment   |  tags: , , , , , , , , , , , , , | posted in Money and Finances, Trust the Lord