Financial Acumen

Proverbs 17:18 

“A man void of understanding striketh hands, and becometh surety in the presence of his friend.”
“It’s poor judgment to guarantee another person’s debt or put up security for a friend.” (NLT)

What should you do when a good friend asks you to guarantee his or her debt, or put up security for a home or a loan? Your answer may depend to some extent on your own financial circumstances, but the fact that such advice appears in the book of Proverbs, suggests that wisdom should be involved.

I found myself in this position several years ago. Friends had fallen on hard times, largely because of a lack of wisdom in financial matters. Money from the sale of a house got spent, and eventually they ended up in rented accommodation. My wife and I helped them out as much as we could, but soon realized that he in particular needed to make some changes in approach and attitude to their financial affairs.

Then one day he arrived on the doorstep, and over a cup of coffee asked if I could stand as guarantor for another property he wanted to rent. With a heavy heart I told him I could not, even though he repeatedly told me that there was no risk to me as he would be able to pay the rent. I had no confidence that he could, and I knew that it was wrong to place my family at risk. Eventually, my friend acknowledged that he had to bring his expenditure in line with his income and downsized. We remained friends, although they live in another part of the country now.

If I had stood as guarantor and my friend had defaulted I would have been required to pay his rent. This would have made it difficult for me to meet my own outgoings. I wish I had known about this verse in Proverbs at the time. I remember the bad feeling inside when I refused to help my friend, but it was absolutely the right decision. How much wisdom do we miss out on by failing to study God’s word, and by forgetting to listen for His gentle whisper. 

The Lord said, “Go out and stand on the mountain in the presence of the Lord, for the Lord is about to pass by.” Then a great and powerful wind tore the mountains apart and shattered the rocks before the Lord, but the Lord was not in the wind. After the wind there was an earthquake, but the Lord was not in the earthquake. After the earthquake came a fire, but the Lord was not in the fire. And after the fire came a gentle whisper. When Elijah heard it, he pulled his cloak over his face and went out and stood at the mouth of the cave.
Then a voice said to him, “What are you doing here, Elijah?” (1 Kings 19:11-13 NIV)

Facebook or Face-to-Face

Proverbs 17:17

“A friend loveth at all times, and a brother is born for adversity.” (KJV).

The Importance of Friendships

I can still remember the best friend I ever had in elementary school. His name was Jamie. His dad was the coach of our little league baseball team, and we did everything together. Friends have always been such an important part of my life, and I think that’s probably true of most people.

Social Networking?

However, in the world today, it seems like people are more isolated from one another than ever before. People may have 500 friends on Facebook, but how many of those connections are real life friends? It seems that in our social networking age, we’ve lost the art of face to face communication. Now don’t misunderstand what I’m saying here: I enjoy Facebook just as much as the next person, but we can’t allow our online friendships to become a substitute for real world interactions.

So how do those of us living in the 21st century maintain our important face to face friendships? By going back to the Book of Wisdom – Proverbs – and learning God’s keys for healthy relationships. We see three of them in the above Scriptures:

1.         A Friend Loves at All Times:

Did you ever notice that on the bottom left hand corner of your friends profile pages on Facebook that there is an “Unfriend” button? What a sign of the times! If your friend does something you don’t like, you just unfriend them. This is not how to keep and maintain healthy relationships. We must learn to love at all times and be loyal friends who stick closer than a brother. Jesus gave us that example of friendship when He said that He would never leave us nor forsake us (Heb. 13:5). Let’s love at all times…

2.         A Friend Helps His Friends When They’re in Trouble:

Solomon said that a brother is born for adversity. What does that mean? The NLT translation says, “A brother is born to help in a time of need.” A true friend will help their friends when they go through difficult times. Jesus is a great example for us in this: “Jesus didn’t make it easy for himself by avoiding people’s troubles, but waded right in and helped out.” (Romans 15:3, Message).

3.         If You Want Friends, Be Friendly:

Another Proverb says this about friendships: “A man who has friends must himself be friendly, But there is a friend who sticks closer than a brother.” (Prov. 18:24). I love the common sense wisdom of the Bible: If you want to have friends, then simply start by being friendly! If you want to have a good friend, then be a good friend. Wisdom to live by…


Tibetan Bookstore

Proverbs 17:16

Wherefore is there a price in the hand of a fool to get wisdom, seeing he hath no heart to it?” (KJV)
Why should fools have money in hand to buy wisdom, when they are not able to understand it?” (NIV)

Our world is constantly pursuing wisdom.

Just look in bookstores, on Amazon.com, and in many ads on TV and at bus stops.

There are numerous self-help books, videos, and seminars. New Age gurus push their spiritual teachings in each of these venues.

Dietitians sell their knowledge.

Parenting experts share their learning.

Pastors sell their understanding.

Financial experts sell their know-how.

Some people buy all of the expensive gear to climb the mountains of Tibet to buy a relic from Tibetan monks.

And yet we keep buying more.

Why?

Because we keep failing. We do not live up to the standards that are set. We do not see results quickly enough. We do not understand why it never works.

That is what this verse is speaking about today.

Our world wants wisdom, but we never want to take the time to understand it.

If we do seek to understand wisdom, we often take whatever is quickest, easiest, or most appealing to our wants, desires, or circumstances.

The catch is that we fail to turn to God with complete honesty.

If they can not be completely honest with God, if they admit He exists, then they do not truly wish to understand wisdom … no matter how much they are willing to pay.

What about you?

Creator God, guide us in all wisdom, and help us to understand. Help us realize that true wisdom is found in Your Son, Jesus of Nazareth, the Messiah.


Six, or Half a Dozen

Proverbs 17:15

“He that justifieth the wicked, and he that condemneth the just, even they both are abomination to the LORD.”

My Daddy Used to Say

Down here in the southern United States it is common to hear someone say, “Like my daddy used to say…” What did my dad use to say? He said a lot of wise things. Here are a few examples…

  • daddy“You haven’t really worked until you’ve shed some blood.”
  • “It’s colder than a witch’s upper torso outside.”
  • “I love your soul, but I’m gonna woop your flesh.”
  • “I brought you into this world; I can take you out” (he borrowed that from Bill Cosby…before the scandal).
  • “Right before God does something, the devil will always try to mess it up. So, if something bad is happening, God’s just about to do something.”

But when I read this proverb, the first thing that came to my mind was something else my father used to say all the time: “Six of one, half-a-dozen of another.” In other words, one thing meant about as much as another thing.

My God Says

Well, my Abba Father has said a lot of wise things, too. And when it comes to people who either justify the wicked (say what they are doing is OK) or condemn the just (say what is right is wrong), His disgust with them is about “six of one, half-a-dozen of another.” God despises them both equally.

Isaiah 5:20 – “Woe unto them that call evil good, and good evil; that put darkness for light, and light for darkness; that put bitter for sweet, and sweet for bitter!”


Flood of Trouble

Proverbs 17:14

“The beginning of strife is as when one letteth out water: therefore leave off contention, before it be meddled with.”
“Starting a quarrel is like breaching a dam; so drop the matter before a dispute breaks out.” – NIV

Flood Gates

Not far from where I used to live is the Tennessee River. When it rains for days on end, as it did not long ago, the river level rises, which causes the dams across the river to have to open their gates. I have seen the water come through those gates with ferocious power.

Sometimes dams fail. When that happens, depending on the size of the dam, lots of property is damaged and people are killed. When the Kaloko Dam in Johnstown, Pennsylvania burst in 1889, a whole town was washed away, along with 2,200 lives.

In some cases, human error was the cause of dams bursting. And according to Solomon, it’s not always water that destroys.

Dam Meddler

People who start arguments for no reason, or keep one going when it could have faded away, are like those who meddle with a weak dam. If nothing else, they are as those who would open a floodgate, but not know how to shut it.

Have you ever heard the phrase, “Just back away and count to ten?” I wonder how many lives could have been saved had they heeded Solomon’s warning?

You never know what hell is waiting to be unleashed when a quarrel is started. It is far, far better to simply walk away than to chip away at a crack in the dam. Drowning in the waters of strife is for fools.

The above video was taken at the Chickamauga Dam, Chattanooga. It was finished in 1939 and President Roosevelt was there for the dedication. But even though this video is impressive, I’ve seen it when all the gates were all the way open. On a normal day, the water’s not too rough below the dam. But on days like this, the power can shake your bones.

What a sobering reminder of how dangerous meddling can be. 


Dam Busters

Proverbs 17:14 

“The beginning of strife is as when one letteth out water: therefore leave off contention, before it be meddled with.”
“Starting a quarrel is like breaching a dam; so drop the matter before a dispute breaks out.” (NIV)

In Proverbs 17:12 Solomon used ‘bear wisdom’ to make a point. While this verse advised that it was better to confront a bear robbed of her cubs than an idiot indulging in foolishness the point is the same. There are things we can say or do that once initiated are unstoppable. Get in the way of an angry bear searching for her cubs and you probably will not live to tell the tale. If you stand in front of a dam as it breaches you will get swept away, never to be seen again.

Dam 2Dam breaches have featured in several movies. The most obvious, and perhaps the most memorable for me, is the wartime story of The Dam Busters in which bouncing bombs were dropped to breach important dams with the aim of interrupting hydroelectric power generation and flooding an important German industrial area. Superman dealt with a dam breach in a movie, and X-Men 2 concluded with a dam breaching threatening lives and taking lives. Poor workmanship lead to a dam breach in the movie Evan Almighty, with a torrent of water flooding a valley and sweeping Evan’s Ark away and through the streets of Washington all the way to the United States Capitol.

The problem in comparing the movies with real life is that either we don’t get the full story, or it never quite happened/happens that way. The German dams that were breached were soon rebuilt as the Allies failed to carry out any follow-up raids. The other three movies mentioned above all involve fantasy rather than reality.

What is reality? Anyone who has ever had a heated argument knows the reality is that there are no winners, only losers. A wise person should understand that arguments do not deliver peace. With two opposing views, one person must always compromise.

Strife is never good. Not at home, not at college, not at work, and not at church. So drop the matter – before a dispute breaks out.


Do I Hear Nathan?

Proverbs 17:13

“Whoso rewardeth evil for good, evil shall not depart from his house.”

Did Solomon Remember?

I can’t help but wonder if Solomon was thinking of his own house when he wrote this. How well did he know the words that Nathan spoke unto his father, King David?

Why have you despised the word of the LORD, to do what is evil in his sight? You have struck down Uriah the Hittite with the sword and have taken his wife to be your wife and have killed him with the sword of the Ammonites. Now therefore the sword shall never depart from your house, because you have despised me and have taken the wife of Uriah the Hittite to be your wife.” – 2 Samuel 12:9-10 ESV

Uriah had been nothing but a loyal, devoted soldier. Even when David tried to get him to go home to be with his wife, Uriah couldn’t bear the thought of being comfortable while his fellow soldiers were sleeping on the battlefield (2 Samuel 11:11). And what did Uriah receive in return for his loyalty? A death sentence.

Was Solomon thinking of his brother, Absalom, the one who tried to kill his father? Did he think of his sister, Tamar, who was raped by her brother, Amnon (2 Samuel 13:10-20)? I wonder what he thought when he looked around at his family. Did he ever think to himself, “Why, dad? Why?”

Do I Hear Nathan?

It is one thing to reward evil with evil. Most people understand the concept of “an eye for an eye.” However, it is a vile, ruthless, selfish man who accepts good from another, only to give evil in return. He deserves whatever bad may come.

That should make all of us think. Has God been good to us? What have we given Him in return?

The prophet Nathan told David, “Thou art the man” (2 Samuel 12:7). What would he tell us?

By the Way

On a different note, some say the Bible cannot be the Word of God because it defames the character of the prophets. They (Muslims) say stories like the one told in 2 Samuel 11 and 12 are proof the Bible is a fabrication. The Koran, they say, would never, never allow the moral character of a prophet to be questioned, but would hold such role models in high esteem, blotting out any record of sin.

Fortunately for us, the Bible IS true. It doesn’t candy-coat the bad but shows how God can work through flawed, fallen men. The Bible, because it is true, highlights the goodness and grace of God, not the righteousness of man.

David was “the man,” but David was human. Unlike the “perfect prophets” in other religions, David prayed, “Wash me thoroughly from mine iniquity, and cleanse me from my sin [emphasis added]” (Psalm 51:2).

Don’t let evil move into your house.


The Bear Facts about Fools

Proverbs 17:12

“Let a bear robbed of her whelps meet a man, rather than a fool in his folly.”

“Let a man meet a she-bear robbed of her cubs rather than a fool in his folly.” – ESV

Dangerous Bears

There are a lot of people who go hiking in forests where big, furry, and not-so-cuddly bears live. There are also people who swim in the ocean where razor-toothed guppies the size of cars hunt surfboards. Hey, whatever floats your boat.

Personally, I prefer to swim in chlorinated kiddie pools rather than in a shark’s kitchen. And when it comes to hiking, well, I prefer forests where the bears ain’t. Otherwise, I’m taking a 12 gauge with slugs in it.

You see, it’s like this: bears are dangerous. They especially don’t like it when people pretend to be Goldilocks and mess with baby bear. Believe me, it’s better to stay away from Little Red Riding Hood’s back yard unless you seriously know what you are doing; otherwise, you may end up Pooh poo.

Dangerous Fools

But no matter how dangerous a she-bear is, Fuzzy Wuzzilina is nothing compared to a fool caught in his foolishness.

The fool is terribly fond of his lustful pursuits and passions, more so than a bear of her cubs. Threaten them, or take them away, and what you have on your hands is an angry, ferocious, indignant enemy determined to destroy.

Many years ago, when I was young, my father worked for a man who was having an affair. When my father and another employee witnessed the business owner having sex with his mistress at work, the man admitted what he was doing was wrong. However, as time went on, the businessman became indignant, hateful, and angry over the thought of giving up his relationships.

I still remember the drive-by shooting, the attempt to gun down my father behind the pulpit, and the phone calls saying, “I know where your wife and kids are, and when you’re not looking…

Eventually, as my father warned, sin’s payday would come. Sure enough, the husband of the mistress found my dad’s boss and the woman and killed them both.

Stay Away

Solomon must have had some experience with fools. Maybe we should heed his warning.

“A person who can accept criticism has an approachable personality and can function well in social interaction. People who cannot accept a rebuke, however, cause chaos in the public arena. It would be better to try to deal with an angry bear in search of her cubs!”*

*Duane A. Garrett, vol. 14, Proverbs, Ecclesiastes, Song of Songs, The New American Commentary (Nashville: Broadman & Holman Publishers, 1993), 161.

 


Golden Calves

Proverbs 17:11  

“An evil man seeketh only rebellion: therefore a cruel messenger shall be sent against him.”
“Evil people are eager for rebellion, but they will be severely punished” (NLT).

History is full of stories of rebellion. Some succeeded, but many failed. While not all of those who rebel against authority are evil, motive is rarely taken into consideration when rebellions are crushed.

One famous incident in British history concerned six agricultural laborers who reacted to the unfair treatment that they and their colleagues suffered. They met together and under an oath of secrecy formed a trade union. The local squire was not happy about the prospect of a unionized workforce, and action was taken to stamp out this act of rebellion. Six workers were arrested and charged with taking an illegal oath. They were sentenced to transportation to Australia and seven years hard labor.

While many of us today would probably fancy a trip down under to take in the sights and the sun, this was no tourist trip. Transportation to Australia and the conditions for convicts who were sent to Australia were brutal. While few returned, the Tolpuddle Martyrs as they became known were pardoned and freed after three years. Freedom came after a huge campaign by the British working class, and the presentation of a petition containing 800,000 names to Parliament.

Rebelling against the establishment, or against the rulers of this world is one thing. But what about the rebellion of humanity against God? The Bible records many examples involving the people of Israel. Their attitude soon after their miraculous deliverance from slavery in Egypt seems unbelievable. After Moses climbed Mount Sinai to meet with God, the people persuaded Aaron to make a golden calf for them to worship instead of God.

It is easy to judge others. We can look back in amazement at the golden calf incident without considering whether there are any golden calves in our lives. We may compare ourselves with the Tolpuddle Martyrs and think that because we are not engaging in an evil rebellion we will not receive a severe punishment. But consider a child receiving punishment from a loving parent. My own experience of punishment for childhood misdemeanors was that the hurt I saw in my parents’ eyes was more of a punishment than anything they devised to persuade me that I should mend my ways.

crossWe have a loving God in heaven who allows us to call Him Father. His Son took the severest punishment possible so that God did not have to punish us. So why do we rebel against Him? If we consider the hurt and the pain He suffers when we choose golden calves in our lives instead of Him, then perhaps we will begin to understand the extent and the cost of His love for us, and how much He values it when we return His love, and destroy our golden calves.


Just Whip It?

Proverbs 17:10

A reproof entereth more into a wise man than an hundred stripes into a fool.” (KJV)
A rebuke impresses a discerning person, more than a hundred lashes a fool.” (NIV)

Have you ever been at work an been told you had been doing something wrong?

How did you take the news?

Did you seek advice? Did you make the necessary change? Did you examine possible ways to not let it happen again?

That would be the wise thing to do.

Or did you keep doing the same thing until you had to be reprimanded or even fired? Was the only thing that could make you listen the threat of losing pay or your job?

In Life

If you have heard a word from God (a friend telling you something is not good for you or bad, hearing a special sermon that spoke to you, reading your Bible, etcetera), how did you take the news?

Did you seek advice from others? Did you make the necessary change? Did you examine your life to find ways to not let it happen again?

That is the wise thing to do.

Or did you decide to keep doing your own thing and wait for the consequences?

Are you looking for peace in your life, or are you living within the violence of sin?

Did you whip your life into shape, or are you allowing the devil’s whip to continue weakening your soul?

Merciful God, grant us the wisdom to heed the warnings we receive in life or from You. Help us to change from a love of violence to a love of peace and understanding.