Tag Archives: money

April 21, 2013

Blessed Are the Rich …

By Daniel M. Klem

Proverbs 19:4

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.

23 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

3 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.

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

April 4, 2013

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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2 Comments   |  tags: , , , , , , , , | posted in Money and Finances, Trust the Lord

March 12, 2013

Tibetan Bookstore

By Daniel M. Klem

Proverbs 17:16

16 Wherefore is there a price in the hand of a fool to get wisdom, seeing he hath no heart to it? (KJV)
16 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.

2 Comments   |  tags: , , , , , | posted in Fools, Money and Finances, Wisdom

January 17, 2013

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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December 26, 2012

True Treasure

By Daniel M. Klem

Proverbs 15:6

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.

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

October 29, 2012

Proverbs 13:8

By Anthony Baker
“The ransom of a man’s life are his riches: but the poor heareth not rebuke.”

A Wise Dad

One of the things I loved about my father was his ability to find the lighter side to any subject. He had the uncanny ability to find the faintest silver lining around the biggest, darkest cloud. That might explain why growing up poor wasn’t so bad.

Here are a few good examples of how my dad would look at things…

  • When he saw a horribly ugly dog, he said, “Well, he’s got white teeth.”
  • When he (and I) got hurt at work, he would say, “You haven’t worked until you shed some blood.“
  • When we had to move into a house that had no running water, electricity or telephone, and the sky could be seen between the boards on the walls, he would say something like, “Hey! It’s almost like camping out!”

And when it came to being poor, my dad knew how to keep things in perspective. He would remind us that being rich wasn’t all fun and games, but worry and stress, too. “The more money you have, the more you have to watch your back,” he would say. “But when you ain’t got noth’n, you ain’t got noth’n to steal.”

A Wise Proverb

Today’s proverb is trying to tell us that wealth may not be a bad thing, but it does have some inherent risks. The more wealth you have, the more likely someone will want to take it. And, the more money one has, the more he has to spend to stay alive.

On the other hand, as the second part of the verse points out, those who have less are less likely to listen to an extortioner or be kidnapped for ransom. He is more likely to say, “Sorry, but you can’t get blood from a turnip.”

The ESV translates it this way, “The ransom of a man’s life is his wealth, but a poor man hears no threat.”

Be Content

If there is anything else my dad would say, it would be this: “Be content with what you have, cause everybody’s got their own problems.” Don’t be so upset if you’re not wealthy; life for the rich may be a bed of roses, but with roses come a lot of thorns. That’s why the poor can sleep easier.

“Not that I speak in respect of want: for I have learned, in whatsoever state I am, therewith to be content.” – Philippians 4:11 KJV

“If you’ve got it, be thankful. If you ain’t got it, be glad.” 

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September 22, 2012

Proverbs 11:28

By David

28 He that trusteth in his riches shall fall; but the righteous shall flourish as a branch.

It Isn’t Ours

I have been self-employed for the last twenty years. Income in 1992 when I started out was modest, but I believe that over the years God has blessed the business and blessed my family. In turn I have tried to bless others. I have not amassed cash to any extent, other than making provision to eventually pay off the mortgage on the family home through endowment policies and savings. I would not say I have trusted in my financial assets, but I believe that I may have become increasingly complacent, and forgotten one small detail: None of it belongs to me.

A Reminder

Whatever we have on earth we have because God allows us to have it. Over the last three years my income has fallen and it has become increasingly difficult to get paid. While prayers have been answered I have had to dip deeply into savings as it takes longer and longer to receive payment for invoices. I have also had to review my giving. While that has been difficult I have been reminded that it was never mine in the first place. God has challenged me about becoming proud about what I have given.

Temporary Benefit

We cannot and must not rely on or trust in the temporary benefits associated with worldly wealth. We leave the world in the same way that we arrive. Empty handed. Even if we are blessed with monetary riches, nothing can be considered permanent, as many a person who has fallen on hard times can testify. The challenge we face as human beings is to be wise in our choices, and wise in our use of everything God has placed into our hands. It doesn’t matter if the world considers us rich or poor in terms of possessions. What matters most is what God sees in us.

How to Flourish?

So how can we flourish? Jesus spoke about branches that flourish and those that do not. He said:

“I am the true vine, and my Father is the gardener. He cuts off every branch in me that bears no fruit, while every branch that does bear fruit he prunes so that it will be even more fruitful. You are already clean because of the word I have spoken to you. Remain in me, as I also remain in you. No branch can bear fruit by itself; it must remain in the vine. Neither can you bear fruit unless you remain in me.

“I am the vine; you are the branches. If you remain in me and I in you, you will bear much fruit; apart from me you can do nothing. If you do not remain in me, you are like a branch that is thrown away and withers; such branches are picked up, thrown into the fire and burned. If you remain in me and my words remain in you, ask whatever you wish, and it will be done for you. This is to my Father’s glory, that you bear much fruit, showing yourselves to be my disciples. (John 15:1-8 NIV)

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September 20, 2012

Proverbs 11:24-26

By Daniel M. Klem

24 There is that scattereth, and yet increaseth; and there is that withholdeth more than is meet, but it tendeth to poverty.

25 The liberal soul shall be made fat: and he that watereth shall be watered also himself.

26 He that withholdeth corn, the people shall curse him: but blessing shall be upon the head of him that selleth it.

First let me clear up the potentially confusing part:

This is not political!

Now let me explain this a bit:

This particular passage basically says “Some people give all they have, yet they always have what they need or more. Others hold onto everything they think they have, but they really have nothing. The former are loved and lavished upon. The latter are hated.”

Misers versus Givers

Do you know the story by Charles Dickens, A Christmas Carol? I am specifically talking about Ebenezer Scrooge.

He is known as the stingiest man in town. He counts every cent, never spends more than he absolutely has to, and is not very kind to others.

Nobody likes him.

And the Ghost of Christmas-Yet-to-Come shows him dying alone and his stuff stolen by nere-do-wells who complain about and ridicule him.

Conversely, I know a family who is always struggling to make ends meet. Yet they always have enough food to eat. In fact, they have dozens of people visit on an average of at least once a week. They have been literal and figurative foster parents to many children, teens, and young adults, and their biological children always know they are loved and accepted. They have travelled all over and impacted so many …

… because they give their all, their everything, for all people.

Physical and Spiritual

To be truly blessed in this life, we need to be willing to give up everything. This means money, things, cars, homes, stuff, and even people.

To be truly blessed, we need to be willing to give up literally everything. We need to be willing to die. Die physically and figuratively to our own selves, our wants and desires, our plans and hopes.

In their place, we must put the Love of God. God is our greatest hope, should be our greatest desire, and be the foundation of all our plans and our lives.

Then we will not be able to help loving others and giving of ourselves.

Ask that family.

Gracious and loving Father, instill in us a desire to love. Fill us with a passion for others. Give us more of You than we can handle that we may see You overflow into others. Do not let us get stuck on things and silly desires. Free us to free others.

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May 30, 2012

Thoughts On Co-signing

By Anthony Baker

Proverbs 6:1-5

1My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger,
2Thou art snared with the words of thy mouth, thou art taken with the words of thy mouth.
3Do this now, my son, and deliver thyself, when thou art come into the hand of thy friend; go, humble thyself, and make sure thy friend.
4Give not sleep to thine eyes, nor slumber to thine eyelids.
5Deliver thyself as a roe from the hand of the hunter, and as a bird from the hand of the fowler.

Practical Wisdom

When it comes to the wisdom of Proverbs, some think it’s all spiritual. Much like the person who thinks faith should be kept out of everything secular, such as politics or the workplace, these people assume biblical wisdom is incompatible with everyday life. How wrong they are!

Today’s passage is a lesson in financial wisdom. Here, Solomon is addressing the dangers of unwisely obligating one’s self to a creditor (stranger) on behalf of a friend.

Unsure Surety

There is nothing wrong with helping a friend. As a matter of fact, it was Paul who told Philemon that if Onesimus owed him anything to “put that on my account…I will repay” (Phil. 1:18-19). Helping someone out when they are truly in need, especially when you have the ability, is the right thing to do.

“If there is a poor man among your brothers in any of the towns of the land that the LORD your God is giving you, do not be hardhearted or tightfisted toward your poor brother. Rather be openhanded and freely lend him whatever he needs.” – Deuteronomy 15:7-8 NIV

However, Solomon is warning that we should be very careful when entering agreements (striking hands) on behalf of others, even our friends. You see, to be a “surety” for someone means guaranteeing the lender your friend will pay his debt. The problem comes when you end up owing what you cannot pay, therefore putting your family and your self at risk.

“Can You Co-Sign for Me?”

How many times have you been asked to co-sign on a loan? How many times have you had a brother-in-law ask for help starting a business that “can’t fail?” How many times have you felt sorry for someone, only to get burned in the end?

Many times we want to help our friends and loved ones, but end up snared by people we don’t even know. “I’ll help you this time,” we say. Then, a few months later, Hunter Loan Company is tracking us like deer.

Spiritual Application

There is a practical, yet spiritual principle to be found in the following verse: “[If] any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel” (1 Tim. 5:8). The principle is “if you can barely afford to take care of your own family, don’t make financial commitments you can’t keep.”

Solomon says that even if you have become surety for a friend, prove his friendship – get him to relieve you of your obligation. Otherwise, when the rubber check hits the road, you risk losing not only your money, but your good name, your friend, and even your faith.

7 Comments   |  tags: , , , , , , , , , , | posted in Friendship, Money and Finances, Warnings, Wisdom