Tag Archives: money

December 15, 2020

Get Rich Quick

By Chris Jordan

Proverbs 21:5.

“The thoughts of the diligent tend only to plenteousness; but of every one that is hasty only to want.” (KJV).
“Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty.” (NLT).

What’s Wrong With That?

It’s amazing to me how many people chase after the latest get-rich quick schemes. “Make money fast from home and become a millionaire this year! Small investment, big return!” And don’t even get me started on lottery tickets: They are aptly named an “idiot tax.”

In the small town that I live in, we have a corner convenience store just down the street from my house, and it’s amazing to me that almost every time I walk in there, someone is buying a lottery ticket or scratch-and-win ticket, hoping to be the next big winner. What’s going on here? It seems we have created an entire culture that is devoted to trying to get something for nothing, to get rich without having to do any work for it. But some might be asking – is there really anything wrong with that? Well, that depends on whether or not you believe the Bible.

Poverty or Prosperity?

In today’s Scripture, Solomon tells us that we can choose plenteousness or want, prosperity or poverty. To reach each destination, there are two very different roads that lead there.

If you want to be prosperous, the road is called good planning and hard work. No shortcuts here! You need to be diligent. Get a job and work hard. And as Matthew Henry says, “The thoughts of the diligent are as necessary as the hand of the diligent. Forecast is as good as work.” It’s good to plan ahead if you want to prosper and do well financially! Plan a budget. Honour the Lord with your tithe. Be generous and give to the poor. All of these will help you succeed.

If you want to be poor, it’s a whole lot easier to get there. Don’t be diligent. Don’t get a job. Don’t work hard. Don’t plan ahead. Spend foolishly. Waste your money on things lottery tickets and other things you don’t really need. You’ll be poor before you know it!

Lord, help us as your people to make good plans and work hard, so you can bless us financially. Not just so we can be blessed, blessed, blessed, but we know you bless us so that we can be a blessing to others. To help the poor. To build the Kingdom of God. To make a difference in the lives of others. Help us to make wise choices with our finances, and be good stewards of all of our resources. In Jesus’ name, amen.

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August 6, 2020

Security Deposit

By Daniel M. Klem

Proverbs 20:16

16 Take his garment that is surety for a stranger: and take a pledge of him for a strange woman.
16 Get security from someone who guarantees a stranger’s debt. Get a deposit if he does it for foreigners. (NLT)

The straightforward meaning is that you cannot trust everyone. If someone asks for money, you should ask for collateral to ensure you get your money back. It is just like a bank asking for a down payment, or a business asking for a deposit on a service or product.

Getting into an Apartment Home

Apartment buildings have a standard practice of taking a security deposit from incoming tenants. This is to help cover any costs the tenant may incur by leaving early, damaging property, or breaking the law on the premises.

The poorer the credit of a prospective tenant, the higher the security deposit may be.

With great credit, a tenant is able to move in with little to no security deposit as a sign of trust and respect.

Getting into Our Heavenly Home

Thanks to a little act committed by Adam and Eve, we all fall into the same group. Our credit with God is very poor, and we have proven ourselves untrustworthy time and again.. To go home with God requires a security deposit so large that we could never pay it.

Therefore, God paid it for us.

Jesus became a Man. He built up the trust and credit by doing something no one else could: He lived perfectly according to God’s will and laws.

He paid our deposit by sacrificing Himself on a cross and rising from the dead three days later.

Jesus paid it all, for each of us.

All we must do is accept.

Lord, thank You for the cross and paying the cost we could not. Help us to live by Your example for Your glory through the help of the Holy Spirit.

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July 1, 2020

Mexican Haggling

By Chris Jordan

Proverbs 20:14

“It is naught, it is naught, saith the buyer: but when he is gone his way, then he boasteth.” (KJV).
“The buyer haggles over the price, saying, “It’s worthless,” then brags about getting a bargain!” (NLT).

Haggling in Mexico:

In 2005, my mom blessed my wife Liza and me by sending us on a trip to Mexico to celebrate our ten year anniversary. While we were there, we enjoyed relaxing on the beach, reading and resting. There was one thing that Liza wanted to do while we were there: shopping.

I’m not a fan of shopping on the best of days. When Liza and I go to the mall, I will walk around with her for a little while, but inevitably, I will reach my limit and have to go find a food court so I can go sit down with a coffee to hopefully read a good book. But one of the things I wasn’t looking forward to was the obligatory haggling that would ensue on our shopping excursion.

Here’s an example of haggling from an old Monty Python movie…

One time a street vendor approached Liza and tried to sell her some bracelets for $60 each. Now, the bracelets weren’t worth anywhere near that, but my wife didn’t know how to haggle – even though it was welcomed and expected in Mexico. She had paid thirty dollars for a cowboy hat earlier that day (it was hot and she needed it) and we later saw it selling for $10-20 in other shops we entered. I told the vendor that the bracelets were more money than we were willing to pay, and so he offered to sell us three of them for $20 in total. So I bought them for Liza.

The Boasting Buyer:

How does the above story – and the concept of haggling or bartering – apply to today’s Scripture? Solomon is talking about a man who goes to a shop or the market to buy goods and he undervalues them, and says that they are no good, but after purchasing the items for a lower price, he goes away and boasts about his purchase. Does this mean that we shouldn’t haggle or barter for items? Not necessarily.

The issue that Solomon is dealing with here is the dishonest means that some would use to get a good deal. Matthew Henry says, “See how apt men are to be pleased with their gettings and proud of their tricks; whereas a fraud and a lie are what a man ought to be ashamed of, though he have gained ever so much by them.” John Gill also says the Scripture describes a buyer who feels like he has outwitted the seller “and so glories in his frauds and tricks, and rejoices in his boasting, and all such rejoicing is evil.”

So what is the universal principle behind this Bible verse that we can apply to our lives? God wants us to be honest and generous in all of our financial dealings, whether we are buying or selling. No dishonesty. No cheating. No stealing.

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March 30, 2020

Rich Slaves

By Daniel M. Klem

Proverbs 19:10

“Delight is not seemly for a fool; much less for a servant to have rule over princes.”
“It is not fitting for a fool to live in luxury— how much worse for a slave to rule over princes!”(NIV)

Foolish Delights

Recently, Anthony wrote about those who win the lottery. They seem to be happy, and they find a sudden influx of friends and family to help them with their money!

It really depends on who you talk to or believe, but most reports show that the majority of major prize lottery winners are bankrupt inside of a few years.

The biggest reason, of course, is that they were foolish with their money when they had none, and that that habit does not change when they get much.

The same happens when spiritual leaders follow bad theology. They tried handling matters in their own lives, and they figured they could handle matters of God, as well. This is where too many churches and denominations can get off track. This is also where we get cults.

Of Slaves and Princes

Another danger of the poor suddenly becoming rich is that they may use their newfound influence to get back at established wealth. They might try to show off, to prove themselves (which can help lead to their bankruptcy).

This also can be a danger with religious leaders. When some parishioners get upset with how churches are being run, they may get ordained and/or start a new church. Again, this is where too many churches and denominations can get off track, and where we get cults.

How this can be good news comes through how God redeems everything.

John 8:34 Jesus replied, “Very truly I tell you, everyone who sins is a slave to sin. (NIV)

We are all slaves to sin … until Jesus came along to make us righteous:

Romans 6:17 But thanks be to God that, though you used to be slaves to sin, you have come to obey from your heart the pattern of teaching that has now claimed your allegiance. 18 You have been set free from sin and have become slaves to righteousness. (NIV)

As the redeemed of Christ, we become co-heirs in Christ and will rule over this world (Romans 8, Revelation 20).

It is only worse for slaves to rule over princes if the princes are of this world and slaves to sin.

Prince of Peace rich in grace, help us be wise with what You have entrusted to us, and if we must be slaves may it be to Your righteousness. Rule in our hearts and minds. Rule over our lives.

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March 15, 2020

Blessed Are the Rich …

By Daniel M. Klem

Proverbs 19:4

“Wealth maketh many friends; but the poor is separated from his neighbour.”

New Warnings

In light of some of Jesus’ words, this verse makes little sense.

Then said Jesus unto his disciples, Verily I say unto you, That a rich man shall hardly enter into the kingdom of heaven. – Matthew 19:23

Blessed are the poor in spirit: for theirs is the kingdom of heaven. – Matthew 5:3

The verse today seems to say “Blessed are the rich, and how hard it is for the poor!”

And it is.

Different Thinking

This proverb is stating something that is obvious to almost everyone.

When someone has money, it is pretty easy for them to make friends. They appear more trustworthy, and they can give the best gifts.

Wealth seems to give people confidence, so they will not worry about the small things in life. There is a tendency to handle finances well (Think of the book written by a wealthy man, “Rich Dad, Poor Dad”), and this builds good credit and more wealth.

When someone has little money, they may still make friends, but they may not always be considered trustworthy (whether or not this is justified).

Being poor tends to draw away from confidence, because they need to worry about the small things in life (they seem much bigger). They may not handle their finances well, and, as evidenced in the past five years, they will be literally separated from their neighbors through foreclosure and/or eviction.

Thinking Differently

Regardless of our financial circumstances, may we change our mindset to things above.

When we are poor in love, mercy, and grace toward each other, it proves we are poor in love for God. We will find ourselves ultimately separated from God (who called Christians “friends” in John 15:15).

When we are rich in love, mercy, and grace toward each other, it proves we are rich in love for God. We enter into a fellowship with God and a family of millions throughout history.

Father, give us financial wisdom, but more importantly increase our wealth in love, mercy, and grace. May our friends be eternal in You.

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February 16, 2020

Flimsy Green Walls

By Anthony Baker

Proverbs 18:11

“The rich man’s wealth is his strong city, and as an high wall in his own conceit.”
“The rich think of their wealth as a strong defense; they imagine it to be a high wall of safety” (NLT).

Money

Money is a strange thing. One day it can be worth a lot of, well, money. Then, at the turn of clock, it can become worthless. So many have seen fortunes disappear at the sound of a closing bell.

6 Confederate States of America currency notes...

6 Confederate States of America currency notes three $10 notes 3 $20 notes (Photo credit: Wikipedia)

Others have seen their wealth deteriorate along with a decline in political stability. Many years ago the southern states (The Confederacy) that broke away from the Union made their own money. After 1865 it all became worthless. There used to be a saying, “Save your Confederate money, boys! The South will rise again!” Oh, well.

The thing that really makes money valuable is what backs it or insures its value. Not too long ago the Dollar was backed by gold; now it backed “by the full faith and credit of the United States government” (Yeah, right). So, in reality, the rich that feel secure in their wealth are only as secure as the government that backs it.

Flimsy Walls

Solomon was the wealthiest man in the world, yet he knew that putting one’s hope in money is foolishness of the highest degree. He calls the wealthy who consider their riches a defense “conceited.”

If wealth is one’s idea of a defense or a wall of protection, then they are flimsy walls, indeed! Ask anyone who was around Wall Street in 1929. The sound of crashing walls was deafening.

A Strong Defense

Thank God for His unfailing protection! “The name of the LORD is a strong tower: the righteous runneth into it, and is safe” (Proverbs 18:10).

Money is a wall of security with no inherent strength. It’s might changes with the “full faith and credit” of sinful institutions. Those who trust in it for safety are fools.

“The LORD is my rock, and my fortress, and my deliverer; my God, my strength, in whom I will trust; my buckler, and the horn of my salvation, and my high tower” (Psalm 18:2).

Praise the LORD!

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January 23, 2020

Financial Acumen

By David

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)

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January 22, 2020

Tibetan Bookstore

By Daniel M. Klem

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.

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November 20, 2019

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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November 8, 2019

What Is Better than Wealth?

By Anthony Baker

Proverbs 15:16

“Better is little with the fear of the LORD than great treasure and trouble therewith.”

Would You Rather

Have you ever played “Would You Rather?”? It’s sort of a conversation-starting kind of game, if it’s a game at all. There are no winners or losers.

One person asks an either/or question like, “Would your rather eat a roach, or aspirate a snotty baby’s nose by mouth?” The answer would have to be one or the other, not an “I would never do either!” You have to choose.

In the case of the above question, either answer is a loser…unless you’re one of those mother’s who do that kind of thing to your snotty baby…or unless you eat bugs. Most people would just lose the contents of their stomachs.

Better/Than

What we see in this proverb not an either/or question, but a better/than comparison. Unlike the “would you rather” question, this one has a clear winner and loser.

What is “better”? Little. Just the scrapings. Hardly anything.

What is “than”? Great riches. A storehouse full of provision. More money than anyone else. But notice, there’s nothing “bad” or “wrong” with great riches; it’s just not better.

Better than what?

Great riches are not better than scraping by if great riches are all you have. It’s better to have hardly anything and have the fear of the Lord, a righteous heart, a forgiven soul, a peace that passes all understanding, than great wealth and all the worry and anxiety it can bring.

Winning Secret

Oh, but remember how in the first game of “Would You Rather?” there are no real winners? That’s not the case at all with choosing to have a little and the fear of the Lord!

Here’s a little secret: If you choose a little and the Lord, the eternal riches far exceed anything one could amass on earth. Jesus asked, “For what shall it profit a man, if he shall gain the whole world, and lose his own soul?”

As the old hymn says, “I’d rather have Jesus.”

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