finances

  • the "prosperity gospel"

    Tonight I came across an article in a recent The Atlantic issue written by a secular reporter about the prosperity gospel in America. I found it sad and challenging and thought some of you readers might be interested in it too. Afterward, I also came across a related 2007 article in Christianity Today and some related articles on Desiring God.org. I copied all the links below.

    If you only have time to read or watch one out of all of these, I'd recommend prioritizing the 10-minute video of John Piper explaining "Why I abominate the prosperity gospel". He discusses a lot of scripture; it's not just his opinions. I'd love to hear any more thoughts you might have!

    Article 1 - "Did Christianity Cause the Crash?"

    Article 2 - "Gospel Riches - Africa's rapid embrace of prosperity Pentecostalism provokes concern--and hope"

    Article 3 - "Prosperity Preaching - Deceitful and Deadly"

    Video - "Why I abominate the prosperity gospel"

     

    1735_tract_for_prosperity_gospel

     

     

  • Luxury

    What is the place of luxury in the life of a single disciple of Jesus Christ, in today's world?   (Or, for that matter, a married disciple with a family?)

    How does one 'draw the line', in deciding whether one should buy chocolate and flowers and fruit juice and other nonessential things for oneself, or instead forgo all luxury items and instead give the money to other Christians who are in desperate need? (or, to help send the good news about Jesus Christ to people who have never heard)

    Is beauty (in food, home decorations, church decorations, car, clothing, etc) an end in and of itself, as Andy Crouch suggests that knowledge is, to glorify God, or are beauty and knowledge only tools by which the kingdom of God is to be advanced?   For example: if it was the former, one could spend money on luxury items for oneself and say that one was seeking to beautify one's life and "enjoy the good things in life that God created", with gratitude and praise to God, following 1 Timothy 4:1-5 --

     1But the Spirit explicitly says that in later times some will fall away from the faith, paying attention to deceitful spirits and doctrines of demons,
    2by means of the hypocrisy of liars seared in their own conscience as with a branding iron,
    3men who forbid marriage and advocate abstaining from foods which God has created to be gratefully shared in by those who believe and know the truth.
    4For everything created by God is good, and nothing is to be rejected if it is received with gratitude;
    5for it is sanctified by means of the word of God and prayer.

    One could also claim to be imitating Paul in Philippians 4 --

     12I know how to get along with humble means, and I also know how to live in prosperity; in any and every circumstance I have learned the secret of being filled and going hungry, both of having abundance and suffering need.  13I can do all things through Him who strengthens me.

    Yet we know from 1 John 3 that:

     17But whoever has the world's goods, and sees his brother in need and closes his heart against him, how does the love of God abide in him?  18Little children, let us not love with word or with tongue, but in deed and truth.

    So if luxury items are "only a tool", then one should only buy them when their use is essential to advancing the gospel.  For example, if I need luxury foods or furnishings for a hospitality ministry, inviting people over to my home for dinner, then I would spend the money.  But I would avoid eating those purchased foods when by myself, upon that model.  If I need a suit jacket or nice car or fashionable furniture for ministry purposes, then I would purchase it.  But if this "only a tool" model is correct, whenever I myself am the only beneficiary, I would reduce the luxury down to the lowest possible (monastic!) level, not for ascetic/monastic reasons but for the purpose of love (1 John 3).   And would not this principle then apply also to a family?   To a church?   To a society?

    (For example: family: when deciding whether to buy a new car, a bigger house, a new swimming pool, exotic food, etc -- Upon Model 1 (luxury is fine, as long as it prompts gratitude and praise to God), those things would be fine.  Upon Model 2, those things would only be acceptible if they are essential for ministry.
    Church: when deciding whether to pack into a smaller building (or house) or whether to invest in a larger building, when deciding whether or not (and/or to what extent) to decorate a church building, etc... Some people say "Christians should be the best in whatever area God calls them, because they represent God in this world... so their church buildings should be very beautiful and high-quality to reflect God's glory (cathedrals, etc).  That'd be Luxury Model 1.  Others take Model 2 - let's make our church building the cheapest, most utilitarian warehouse-type building we possibly can, and use the saved money to spread the gospel in our city and our world.
    Society... whether or not to invest in new infrastructure (or whether one's town could make do with the old infrastructure and instead use the money for charitable development of poorer neighbors or an overseas sister town)

    In search of a unifying/guiding principle........    (because it doesn't seem reasonable anymore to say "Well, I'm frugal most of the time, I can splurge today" or "I am frugal in most areas of life, I can splurge in this area").

    More from God's Word --

    Luke 21
     1And He looked up and saw the rich putting their gifts into the treasury.
    2And He saw a poor widow putting in two small copper coins.
    3And He said, "Truly I say to you, this poor widow put in more than all of them;
    4for they all out of their surplus put into the offering; but she out of her poverty put in all that she had to live on."

    Mark 14
     3While He was in Bethany at the home of Simon the leper, and reclining at the table, there came a woman with an alabaster vial of very costly perfume of pure nard; and she broke the vial and poured it over His head.
    4But some were indignantly remarking to one another, "Why has this perfume been wasted?
    5"For this perfume might have been sold for over three hundred denarii, and the money given to the poor." And they were scolding her.
    6But Jesus said, "Let her alone; why do you bother her? She has done a good deed to Me.
    7"For you always have the poor with you, and whenever you wish you can do good to them; but you do not always have Me.

    Proverbs 21:20
    There is precious treasure and oil in the dwelling of the wise,
    But a foolish man swallows it up.

    Luke 12
     33"Sell your possessions and give to charity; make yourselves money belts which do not wear out, an unfailing treasure in heaven, where no thief comes near nor moth destroys.
    34"For where your treasure is, there your heart will be also.

  • the economy and the election

    Here are some of my recent thoughts on politics, specifically the economy and the election.  Sorry for the rambling nature of the post.  I doubt it will sway any of you one way or the other, as most people have already made up their minds.  Yet I hope these thoughts will be profitable to you.  As always, I will appreciate hearing your opinions.

    1. The economy... in two words. "debt" and "oil".

    Our national debt of trillions of dollars seems problematic.  Likewise the 'social security' system, with the 'baby boomers' expecting to retire while a smaller number of people are paying into the system.  Meanwhile personal credit card debt averages around $8000 per family (not including mortgages).  As for mortgages, the Carter administration and Clinton administration (and 1992 and 1999 Congresses) apparently urged Fannie Mae and Freddie Mac to increase their 'subprime' mortgage loans to low-income families, which recently caused turmoil as they almost failed and the government chose to provide hundreds of billions of dollars of bailouts.

    The issue is: do we allow the consequences of people's poor financial decisions to sting them, or ought the government to step in and provide public money to try to ease or eliminate the consequences?  Which is the most wise and loving thing to do, in the long term?

    Most people in government these days seem to be calling for "more regulation", and bailouts, etc. (http://casey.enews.senate.gov/mail/util.cfm?gpiv=1999877173.90323.383&gen=1)  If this trend continues, it will likely apply also to the other financial tsunamis looming, such as the national debt, the credit card debt, social security, etc.  The government will spend taxpayer money to try to keep the system afloat, instead of letting those who were in debt go bankrupt.  This will work, until the government runs out of money.  Then hyperinflation will occur.

    I think Alexander Tyler's quote is extremely applicable and prescient:
    "A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves money from the Public Treasury. From that moment on, the majority always votes for the candidate promising the most benefits from the Public Treasury with the result that a democracy always collapses over loose fiscal policy always followed by dictatorship."

    Meanwhile, oil is the trigger that has surfaced these problems again this year (coincidentally right before the election, or maybe not so coincidentally).  I personally think most people still underestimate how dependent the western economy is upon oil... for energy, transportation, and consequently, for food and water.  The holders of the majority of the world's oil (the Middle East, Venuzuela, Russia, Nigeria) are currently not very friendly with the USA. The 1930's depression had the advantage that more people lived within walking distance of food production than they do today. If oil and gas got really expensive, life might drastically change here in America, and it might trigger a large economic depression and possibly chaos until food and water and jobs became more accessible.

    Yet the Bible gives plenty of hope for such times.  Matthew 24, Luke 21... Jesus predicts war, famines, and lots of persecution for Christians.  But He says to 'lift up your eyes, for your redemption draws near."  Habakkuk picks up the same theme:

    Though the fig tree should not blossom
    And there be no fruit on the vines,
    Though the yield of the olive should fail
    And the fields produce no food,
    Though the flock should be cut off from the fold
    And there be no cattle in the stalls,
    Yet I will exult in the LORD,
    I will rejoice in the God of my salvation.
    In other words, even if the economy completely fails and anarchy prevails, we who hope in Christ are completely secure - our citizenship and our hope is in heaven.  The situation will be ripe for reaching out with love and with the gospel to our neighbors.  No matter how we die (as we all will), whether by starvation or persecution or mob violence or cancer, we will wake up "in the presence of the Lord", Jesus Christ the Living Word of God.

     

    2. The election - specifically Obama versus McCain.

    Obama seems somehow more a discussion topic than McCain... perhaps McCain is seen as somewhat tamer, as a 'continuation' of Bush's presidency, while Obama is seen as more of a change.  I was interested to read tonight perspectives from Brian McClaren and Randy Alcorn on Obama... I'll comment on them below.  I have friends and family whose sentiments lie on both sides, so it's been interesting to hear the different perspectives.

    From what I've seen, Christians who are voting for Obama give the following main reasons:

    • In foreign policy, Obama emphasizes 'peace and reconciliation', not 'war' (or 'national defense', as the McCain side would say).  I think this means, at the bottom line, that he is more in favor of letting the United Nations handle international affairs, rather than 'unilateral' actions.  War is always horrific, and Obama is emphasizing the need for the United States to extricate itself from the conflicts it is involved in.  Many Christians see Bush as a president who arrogantly went against the world's opinion and thrust the nation into war.  The question of how to deal with Islamic terrorism is not often discussed these days, or at least not as often as it was discussed immediately after 9/11.

     

    • Obama emphasizes helping the poor through government action, i.e. moving in a more socialistic direction, in healthcare, expanding welfare programs, mortgage assistance, etc.  It could be termed "helping the poor and needy among us", or "taking more money from the rich and giving it to the poor", or "social justice and equity"... regardless of the terms used, his policies are undeniably more socialistic than McCain's, and to many Christians, this indicates to them that he is more concerned about the poor than is McCain.

     

    • Also, of lesser prominence, Obama more emphasizes the need to protecting the environment, and he promises more changes in fiscal policy (i.e. more "government regulation" of Wall Street, health care, etc) than McCain, and so for those who think the current economic problems are due to Bush's policies, such change is welcomed.

    Christians who are voting against Obama give the following main reasons:

    • Obama is strongly pro-choice.  In other words, he does not consider the aborted fetuses as human babies unjustly killed by the millions each year, but rather as blobs of tissue without rights, whose life or death should be controlled by the mother's wishes.

     

    • Obama's socialistic leanings are seen as ultimately harmful to the poor, to the economy, etc.  In other words, his plans to give money to the poor are seen in the light of other unsuccessful socialistic experiments of the past century.

     

    • Obama's views on many other topics reflect the Democratic liberal positions, and do not jive with the Bible's teachings (on homosexual marriage, race, and other areas).

    My own thoughts on the issues of the war, socialism, and abortion:

    • The War on Terror (an ill-conceived title because it is unwinnable) - War is horrible - everybody admits this... including Obama, McCain, and me.  However, what is the alternative?  It is easy to criticise an incumbent president, and say "if I was president, I would withdraw from international conflict; I would bring home the troops."  But the actuality is that there are and will be wars, some of which will inevitably involve us.  Consider the 9/11 attacks, or the Saddam Hussein regime kicking out the nuclear inspectors.  How would Obama react to such events?  Unless I hear from him a novel plan, his 'peace' talk sounds like mere armchair quarterbacking.  I am guessing he would emphasize submission to the UN.  Since I do not trust the UN, this smells bad to me.

     

    • Taking money from the rich to give to the poor strikes me as a bad decision for long-term national prosperity.  I personally think that individuals, especially Christians and the Church, should be helping the poor, not the government.  I think the government should step back and get less involved (and shrink itself in general)... drastically reduce welfare, etc.  It seems to me that whenever the government has increased taxes and given more money to low-income people (even back in Roosevelt's 'New Deal' in the 1930's), the subsidy/welfare mentality that has resulted has had long-term detrimental effects on low-income people and families. So when I hear Christians say that we should hold Jesus' emphasis on helping the poor and should thus vote for Obama's socialism, I agree with the former and disagree with the latter.  Government doleouts to the poor, to me, seems less loving, farther from Jesus'/the Bible's recommended approach.  Is McCain any better?  Well, he may be the lesser of two evils...

     

    • Abortion = murder.  Government-sanctioned abortion = government-sanctioned murder.

    I have heard the following question from my friends: Why would you put advocacy for the unborn above advocacy for the poor, and above advocacy for those being killed by US troops in foreign countries?

    My response (openminded, but based on the evidence I have seen so far) is: Government socialistic aid is actually probably not the most loving response to the poor.  War is indeed extremely tragic, but one must weigh whether the carnage from foreign policies of 'appeasement' or inaction might actually be greater than the casualties of 'unilateral regime change', as ugly as that may be.  So advocacy for the unborn is actually the only real advocacy question in this year's election... and there is a clear answer as to whether McCain or Obama is a stronger advocacte for the unborn babies.

     

    Finally, two perspectives worth reading (though I have already commented above on their main points)

    Brian McClaren, four reasons why he is voting for Obama
    http://www.brianmclaren.net/archives/blog/why-im-voting-for-obama-and-why.html

    My reaction: On his reason #1, claiming that Jesus' message was one of "reconciliation"... Really???  Reconciliation with whom or what?  How?  The main reconciliation Jesus talked about was between sinners and God.  How does McClaren's post fit with Jesus' emphasis on 'straight and narrow way' leading to life which few find, or "he who is not for me is against me", or Himself as "the way, the truth, and the life... no man comes to the Father but by Me"?  I suspect that McClaren would find the rhetoric of Jesus Himself quite "militant" and "polarizing", were Jesus to be speaking in today's culture.
    Also, McClaren's reason #3, on caring for the poor, I have addressed above by questioning whether socialism really provides more hope for the poor than does capitalism; whether big government is the solution, and indeed whether searching for "a solution" is actually a red herring since "the poor you will always have with you"... and whether instead we ought to focus on individual and church-based generosity and urban transformation...

    Randy Alcorn, on why he is not voting for Obama
    http://randyalcorn.blogspot.com/2008/10/not-cool-obamas-pro-abortion-stance.html

    Here's a great quote from his post:
    "Please don't tell me abortion isn't the only issue. Of course it isn't. Treatment of the Jews wasn’t the only issue in 1940 Germany. Buying, selling and owning black people wasn’t the only issue in the United States of 1850. Nonetheless, both were the dominant moral issues of their day. Make no mistake about it. In our own day if we support a candidate who defends abortion, who is dedicated to that cause, we are supporting the killing of children. Yes, even if he’s the coolest candidate to come along in decades."

     

     

     

  • giving beyond one's means?

    In view of Mark 12:41-44 (and other passages), does the Bible commend giving beyond one's means?  I.e. giving 'more than what one can afford'?

  • Really?

    SPIEGEL: Mr. Shikwati, the G8 summit at Gleneagles is about to beef up the development aid for Africa...

    Shikwati: ... for God's sake, please just stop.

    SPIEGEL: Stop? The industrialized nations of the West want to eliminate hunger and poverty.

    Shikwati: Such intentions have been damaging our continent for the past 40 years. If the industrial nations really want to help the Africans, they should finally terminate this awful aid. The countries that have collected the most development aid are also the ones that are in the worst shape. Despite the billions that have poured in to Africa, the continent remains poor.

    Fascinating article...

  • "But what about..."

    2 Chronicles 25:5-9...

    Moreover, Amaziah assembled Judah and appointed them according to their fathers' households under commanders of thousands and commanders of hundreds throughout Judah and Benjamin; and he took a census of those from twenty years old and upward and found them to be 300,000 choice men, able to go to war and handle spear and shield.

    He hired also 100,000 valiant warriors out of Israel for one hundred talents of silver.

    But a man of God came to him saying, "O king, do not let the army of Israel go with you, for the LORD is not with Israel nor with any of the sons of Ephraim. But if you do go, do it, be strong for the battle; yet God will bring you down before the enemy, for God has power to help and to bring down."

    Amaziah said to the man of God, "But what shall we do for the hundred talents which I have given to the troops of Israel?"

     

    A legitimate question, in my opinion.   Here's a king who's faced with a choice.  He's just become king, and he's about to go out to war.  He's paid the equivalent of hundreds of thousands or even millions of dollars to hire mercenary soldiers.  But then a prophet of God comes and tells him that he should send them all home, because God will not support him if he sends this particular group to fight his battles.  But what about all the money I would lose? asks Amaziah.  It was a nonrefundable deposit!

    How profound is the answer in return:

    And the man of God answered, "The LORD has much more to give you than this."

     

  • Christ and political parties

    Spending time with the family is nice, even if through a time of external stresses.  Thanks, God, for such a family as this that you've given me!

    Also, pray for our friend Elypsical as you think of it, as she proceeds through this novel stage in her life...

    Ok, and for today's piece of well-meant-inanity-to-analyze, check out this quote from Dr. Spanier -

    “Since its beginning, American public higher education has been based on an important social compact. Our public institutions contribute to society through education, research, and public service. In exchange, the public invests in our colleges and universities. But the investment is eroding.  Today, less than 10 percent of Penn State's budget comes from legislative appropriation, and the University has few options for increasing revenue beyond raising tuition.

    “Unfortunately, the burden for the cost of education has dramatically shifted from state support to students and their families. This is a source of tremendous concern, particularly since these financing trends are likely to continue increasing the financial pressure on Pennsylvania's families.”

    Yah.  It all sounds very good.   We nod our heads, and appropriate more money for Penn State.

    But wait - where is that money going to come from???   Oh yes, taxes.  That means we'll have to raise taxes in Pennsylvania. 

    But wait, won't increasing taxes directly increase the "financial pressure on Pennsylvania's families?"   In fact, won't it be even more hurtful to the poor and needy of Pennsylvania, because while college is only for those kids who can already afford it, taxes are mandatory and impose upon everyone?

    Hmmm...  Some rhetoric is just so annoying when you begin to analyze it.

     

    What do you think about this interesting (paraphrased) blurb that I came across today in the World Magazine:

    Christians are drawn to both the Democratic and Republican parties, for different reasons.  Christians who put more emphasis on personal morality such as proper sexual morality and reducing abortion tend to vote Republican, wheras Christians who put more emphasis on kingdom ethics/social justice and helping the poor and needy tend to vote Democratic.

    The article went on to report the fact that both republicans and democrats are trying vociferously to play to both sides, with democrats trying to re-emphasize "family values" and republicans trying to play up "compassionate conservatism".  It's interesting - imho the old Cold War over communism (versus, so it was said, the "american way") never really ended... it just went underwater for a few years.  And the basic worldview questions are the same - is man "basically good", needing only education and money, or is man "basically evil", needing a Savior to redeem him from his sins?

    But anyway, what do you all think about the putative rationale for why Christians become Republicans or Democrats?  

    Or, more interestingly (if you're willing to share), why do you vote the way you do, and/or what do you see as the biggest strengths and weaknesses in the two (or other) parties?

  • money

    Another question about money and finances - which is more proper for me to apply right now, or to emphasize in my life - Mark 12:44, or 1 Timothy 5:8 ?  I.e. give as much as possible away, or save as much as possible to benefit my future dependents?

    Also, Luke 18:22-24, Matt. 5:42, 1 Tim. 6:17-19...

    By the way, here's a fascinating article about the burgeoning criminalization of Christianity and Christian-exclusivity in America.  "Hate crimes" will be our Orwellian trigger...

    http://www.virtueonline.org/portal/modules/news/article.php?storyid=2073

(I use 'tags' and 'categories' almost interchangeably... see below)

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