Tag Archives: money

December 11, 2013

Wisdom over Harlots

By Daniel M. Klem

Proverbs 29:3

3 Whoso loveth wisdom rejoiceth his father: but he that keepeth company with harlots spendeth his substance.
3 A man who loves wisdom brings joy to his father,     but a companion of prostitutes squanders his wealth. (NIV)

The second half of today’s verse probably does not need much explanation.

Getting prostitutes is not the best way to spend money.

For starters, they can be expensive up front. If they are not expensive up front, and even if they are, they could be even more expensive later.

You may need to also pay for:

  • Divorce
  • Counseling
  • Medical needs
  • Medication for said needs
  • Reputation
  • and much, much more!

Your wealth could be squandered very quickly with prostitutes.

A Happy Father

Wisdom is always the better choice.

It could make you rich, if you are wise with money, but there is no guarantee of that.

It will usually keep you out of trouble (though wicked people often find a way to bring you trouble!)

It is probably true with most parents, but I know when I made wise decisions those were the times my father was the most proud of me.

The satisfaction I think we should all strive for, though, is higher than that.

Solomon became king of Israel at a very young age, and God gave him the chance to ask for anything he wanted. Solomon asked for wisdom.

How did God respond? 1 Kings 3:10 tells us:

“The Lord was pleased that Solomon had asked for this.”

How amazing would it be to know our Heavenly Father, the God, Creator, and Savior of all creation, was happy with us?

Heavenly Father, give your servants discerning hearts to govern our lives and to distinguish between right and wrong. For who is able to govern this great people of yours, but You?

5 Comments   |  tags: , , , , , , | posted in Money and Finances, Paths of Life, Wisdom

November 30, 2013

Work Hard

By Chris Jordan

Proverbs 28:19.

“He that tilleth his land shall have plenty of bread: but he that followeth after vain persons shall have poverty enough.” (KJV).
“Hard workers have plenty of food; playing around brings poverty.” (NLT).

Common Sense:

Sometimes when I’m reading my Bible I think, “Duh! That’s just common sense!” For example, there is a Proverb that says, “A man who has friends must himself be friendly, but there is a friend who sticks closer than a brother.” (18:24). Of course – that makes total sense. If you’re not friendly – if you’re rough and gruff, rude and crude, you’re not going to attract many friends. But if you are friendly – loving, kind and patient – then you are going to make more friends. It’s so simple – how do we miss it?

Playing Around:

In today’s Proverb, Solomon wisely declares, “He that followeth after vain persons shall have poverty enough.” What is a vain person? That word vain means empty, vain, idle or ethically worthless. Translation? If you’ll excuse my use of a common slang term: A lazy bum. If you hang around with vain, idle or lazy people – playing around – it will lead to poverty. How many times in this wisdom book have we discovered that we become like those we most closely associate with. Walk with the wise and you will become wise. Sit with the lazy, and it will lead to poverty and ruin.

I know of a man who has a hard time keeping a job. For whatever reason, he changes jobs multiple times a year. Whether he just gets bored, or doesn’t like the job anymore, I’m not sure. But it never fails, I keep hearing about how he’s quit his job and is looking for work. More often than not, he is between jobs. Not surprisingly, his son is exactly the same way. Can’t keep a job. Won’t keep a job. Often unemployed. Like father, sadly like son.

Working Hard:

On the other hand, those who till their land – and work hard – will have plenty of food. Those with a strong work ethic, their needs will be taken care of. When we work heartily as unto the Lord, God will bless that.

I got my first job at the age of 16 working at a McDonald’s. The fall after I graduated from high school, I got a job working at a Zellers store at the mall, and for the past 23 years, I have always had a job. There are always jobs available, if someone is willing to work! It might not always be the job you want, but if you want to work, someone is always hiring.

Lord, teach us the value of working hard, and being diligent stewards of all of the resources that you give to us. Help us to look to you as our provider, and trust you to meet all of our needs. In Jesus’ precious name, amen.

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October 31, 2013

Protecting Assets

By Daniel M. Klem

Proverbs 27:13

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

Taking a Garment

The verse today relates to the previous.

There are many dangers which we must be constantly watching out for.

Whether in business (such as banks) or personal life, we have to make sure we are not being taken advantage of in some of our dealings.

For example, suppose you have a friend who is always helping others financially, and he always asks you for help with a promise to repay. Over time you learn that he never makes good on that promise.

To help in such matters, you can ask him for something valuable as a way of urging him to repay.

This item serves as a reminder of a debt that is owed.

Reminder of the Debt

This passage has little to do with spiritual matters, but there is another debt in our lives that a constant reminder.

In Exodus 20 and Deuteronomy 5 we find a list of things called the 10 Commandments. In Romans (specifically chapter 5), Paul tells us that the Law, the 10 Commandments, was given as a reminder of our sin. It shows us how we fail to live up to loving God.

The Law shows us our debt.

Fortunately, our God has shown us grace and forgiveness. He paid our debt by sending His Son, Jesus of Nazareth, to live a perfect, sinless life and die on a cross to pay the debt we could not pay.

To receive the full grace and forgiveness He has offered us, we need only believe that Jesus is God made flesh, paid for our sins on the cross, and rose again to life and now lives with the Father awaiting the time to return and redeem His faithful.

Heavenly Father, help us to be good stewards of what You have given us. We admit we are sinners in need of grace and forgiveness. Thank You for offering that grace and forgiveness through Your Son, Jesus Christ. Give us the faith we need to live in the light of that truth every day!

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August 7, 2013

Deceitful Riches

By Daniel M. Klem

Proverbs 23:1-3

1 When thou sittest to eat with a ruler, consider diligently what is before thee:
2 And put a knife to thy throat, if thou be a man given to appetite.
3 Be not desirous of his dainties: for they are deceitful meat.

1 When you sit to dine with a ruler, note well what is before you,
2 and put a knife to your throat if you are given to gluttony.
3 Do not crave his delicacies, for that food is deceptive. (NIV)

The Wealthiest

Most if not all people who read this live in or were born in a so-called First World nation. These are the wealthiest and most technologically advanced nations.

The standard need of the average citizen here – food, clothing, shelter, etcetera – is usually met.

In fact, today’s passage is probably more of a warning to you if you live in one of these nations, than it is a warning for someone from a Third World nation – a nation of extreme poverty and lack of advanced technology (though they usually have cell phones!) However, it is a warning for all people who have wants and desires.

The same old warning

Everyone wants their children to have a better life than they had … or at least a better life for themselves, so there is always a desire for better circumstances.

However, look at many lottery winners or those who receive large inheritances. They end up bankrupt and sometimes worse than before.

The reason is simple: they fall in love with MORE! They see how nice it is to always have food and things, and they simply want more.

Paul warned us through Timothy about this almost 2000 years ago, but also with advice:

9 But they that will be rich fall into temptation and a snare, and into many foolish and hurtful lusts, which drown men in destruction and perdition.
10 For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.
11 But thou, O man of God, flee these things; and follow after righteousness, godliness, faith, love, patience, meekness.
1 Timothy 6:9-11

Gracious God, protect our hearts from a love of more of the things and money of this world. Rather, please give us a heart for righteousness, godliness, faith, love, patience, and humility!

1 Comment   |  tags: , , , , , | posted in contentment, desire, food, Money and Finances

July 22, 2013

Under Another

By Daniel M. Klem

Proverbs 22:7

7 The rich ruleth over the poor, and the borrower is servant to the lender.

Buying a House

My wife and I just bought our first house.

Technically, it is not really ours, because we have to pay the bank for buying it for us. That means, for up to 30 years, the bank owns our house.

During that time, the bank owns our money. We have to give to them, or they can take from us our dwelling place! We serve them until the debt is paid.

Emotional Dependency

Banks may have financial superiority over many a homeowner, but there are other ways people control others.

The emotionally weak person will be either controlled by those who are more out of control of their emotions or inadvertently control their relationships out of their need.

The former situation has the person whose emotions are all over the place seeking power over the weaker person. They are rich in emotional intensity that they cannot control, therefore they control someone else.

The latter situation has the emotionally needy person draining others’ time and emotions. In this sense, it can be seen as the one rich in need has control over the person poor of need.

Neither is morally justifiable, but it happens all the time.

Moral Superiority

We all find ourselves in some emotional or moral need from time to time or for our entire lives.

There is One who is in perfect control of His emotions, and, though completely sovereign, He does not force us to obey Him, but He calls all people to repentance and forgiveness.

God wants us to live godly lives, not lives of manipulation of strong over weak.

Heavenly Father, help us to be good stewards of all that You have entrusted to us: finances, possessions, emotions, and each other. Guide us by the Holy Spirit into all righteousness, and rule over our hearts with Your grace and love.

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July 5, 2013

Which Generation?

By Anthony Baker

Proverbs 21:20

“There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up.”
“The wise have wealth and luxury, but fools spend whatever they get.” (NLT)

The Greatest Generation

A lot has been said in recent years about “the greatest generation.” Those were the folks who made it through the Great Depression and World War II. They did what many today refuse to do – work and save.

I remember stories my grandfather told. I remember how he literally kept track of every penny, even making note where he found coins on the street. I also remember how there was no worry about money when he died. That was years ago, and my grandmother (in her 90’s) is still living off of his investments.

The “greatest generation” taught us that living on a budget, only spending what you have to, and putting off things you want until you have the things you need was being wise. Where has that wisdom gone?

The Latest Generation

Many of today’s generation know where to find money – it’s at their grandparents’ house. Today’s adults spend and spend without sacrificing their wants, then when there’s no money for bills, guess who pays?

The wise have savings accounts, investments, and even a secret box or two. They are the ones who are living in assisted living homes instead of on the street or in a government nursing home. The wise know how to live on a fixed income.

The fool gets a job, spends everything he makes on impressing his friends and neighbors, robs from his future, then begs from the wise. Then, when the wise go on to their final reward, the fool squanders his inheritance.

Lord, we all need more wisdom in this area. I thank you for family who were able to help me when I acted like a fool. Help me now, however, to act wisely, leaving an inheritance for those who come after me.

Related articles

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June 20, 2013

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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June 1, 2013

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.

2 Comments   |  tags: , , , , , , , | posted in Money and Finances, Value and Worth

May 30, 2013

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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April 27, 2013

Rich Slaves

By Daniel M. Klem

Proverbs 19:10

10 Delight is not seemly for a fool; much less for a servant to have rule over princes.
10 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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