Showing posts with label health care. Show all posts
Showing posts with label health care. Show all posts

Wednesday, March 9, 2016

Finding Work In A Tough Economy Real-Life Examples

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Steve had lived the typical American life. He grew up in a middle-class family, worked his way through college, earned a bachelor's degree in communications, later married and started a family. But this idyllic life began to crumble when Steve found himself out of work with three little ones to provide for at home. He just couldn't find a job opening for someone with the degree he had worked so hard to complete.
Sound familiar? With the unemployment rate near 10 percent in the United States and even worse elsewhere, Steve could easily be one of today's unemployment statistics. But he's not. He faced his job crisis in the early 1990s, not 2011.
The example of Steve and others reveal tried and true principles for finding a job even in difficult times.

Steve's secret: creative flexibility

Steve did something very important. He changed to fit the job market rather than expecting it to change to fit him.
Like Steve, many of us will have to adapt to the changing economy. Specialized training or a degree does not guarantee a job. Technology makes some jobs obsolete, jobs move overseas, or unexpected shifts in the economy can disrupt local employment. Those who learn new skills or adapt the ones they have will find ways to succeed.

Steve's saga: working hard

Steve took a job with a local janitorial service cleaning buildings after hours. This work experience led him to apply for a job in the housekeeping department of a local hospital. He worked there for many months, cleaning patient rooms and emptying trash cans until an opening came up for a supervisor's position in the sterile supply department. Steve was promoted, and his new duties involved the sterilizing of surgical equipment and preparing the surgical trays for the operating rooms.
A few months later, the director of sterile supply resigned, and while the hospital looked for a new director, Steve asked that he be considered for the job (even though he did not have the exact qualifications). The hospital agreed, and Steve was named the interim director of sterile supply. His new duties included supervising 70 people and balancing the department's large budget. As a result of his persistence and hard work ethic, the hospital appointed Steve as the new director of sterile supply, a job he held for several years until a new opportunity came along with another company.
Steve now travels around the country using his communications degree skills in training people to use new software programs. It wasn't that Steve was a genius or more qualified that earned him a better job. Rather it was his willingness to take a job that was not his “ideal” and give it 100 percent for the good of the company.

Positive attitude and work ethic

This attitude or approach in life really paid off for Steve, and it can for you too!
While it's still very important to get an education and training, the attitude in wielding the skills you learn is equally important. One of the great kings of ancient Israel, Solomon, wrote, “Whatever your hand finds to do, do it with all your might” (Ecclesiastes 9:10).
Whether you're working in your dream job or serving tables while you wait for that job, you must give your best effort—because you never know what bigger and better opportunities may be just ahead.
In today's changing market, avoid limiting your job opportunities by having too narrow a focus. Think about how your interest might link to career opportunities you haven't considered. For example, many who trained as artists a generation ago now use their talent for graphics on video games. Or there's the stay-at-home mom who invented the decorative clips for croc shoes to decorate her child's shoes and then sold the “idea” for a million dollars.

Chet's secret: quick thinking

Be prepared to take unexpected opportunities when they come up.
Chet was my husband's grandfather, who lived through the Great Depression of the 1930s. The southeastern Ohio coal mine Chet worked in had shut down, and he moved to the state capital in Columbus to seek work. Depression-era unemployment rates make today's look mild.
While pounding the pavement one day to find a job, Chet was passing a factory building when he noticed smoke coming from the roof. He ran into the building to alert someone about the fire, which was swiftly extinguished. As a result, the owners of the factory were so thankful for Chet's quick thinking that they offered him a job on the spot, and he worked there for three decades until his retirement.

Success in your future

While you may not have control over the fluctuating job market, God has given you the ability to control how you react to the market. Like Steve, you may have to take a job that's less than “ideal” until other opportunities arise. In any case, determine in your mind to be flexible and do your job with all your might. It will pay off in the long run. If it worked for two ordinary men like Steve and Chet, it can work for you too!

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Wednesday, July 22, 2015

Prove Evolution Is False - Even Without the Bible

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Prove Evolution Is False - Even Without the Bible

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Can we prove that evolution is false without using the Bible? Certainly we can! Evolution is a scientific theory that stands or falls on the physical evidence. In fact, one can be an atheist, a person who doesn’t believe in God, and still not believe in evolution!
Charles Darwin’s theory of evolution, as taught at school, is a biological explanation of how creatures have supposedly “evolved” or developed progressively through natural selection and variation (now known as mutation) over eons of time from the tiny cell to the largest creatures on earth today. What is taught in classrooms is not mere micro evolution—small changes within a species—but macro evolution, the change from one type of creature to another quite distinct life form.
What many evolutionists are trying to convince you of is that there is no need for a Creator since, as they say, evolution can substitute as the mechanism for creating and transforming life. They teach that life arose from non-life and evolved from simpler creatures to more complex life forms. In other words, the tiny cell eventually became an amoeba, then a lizard, then a monkey, and finally— you !
In order to remember key points that disprove Darwinian evolution—the “molecules to man” theory—we’ll use the acronym FALSE. (A few of these points also disprove the compromise of theistic evolution—the notion that God employed macroevolution over eons in forming the creatures we see on earth today.)

F for Fossils

A fossil is the preserved remains of a living thing. The fossil record around the earth extends an average of one mile deep. Below this level we come up with a blank slate as far as living, complex creatures are concerned.
I collect fossils of what are deemed the earliest type of complex creatures with hard bodies—trilobites. No previous ancestors of these arthropods have been found. Similar to some marine “bugs” we see today on the seashore that disappear into the sand when the waves retreat, trilobites had hard shells, all the basic organs, and complex eyes like those of flies, with hundreds of sophisticated lenses connected to the optic nerve going to the brain. Trilobite fossils are found around the earth, and in all cases the level of rock beneath them does not reveal other creatures with similar features.
As one source states: “The dominant life form was the now-extinct sea creature known as a trilobite, up to a foot long, with a distinctive head and tail, a body made up of several parts, and a complex respiratory system. But although there are many places on earth where 5,000 feet of sedimentary rock stretch unbroken and uniformly beneath the Cambrian [layer], not a single indisputable multi-celled fossil has been found there. It is ‘the enigma of paleontological [fossil studies] enigmas,’ according to Stephen Gould. Darwin himself said he could give ‘no satisfactory answer’ to why no fossils had been discovered. Today’s scientists are none the wiser” (Francis Hitching, The Neck of the Giraffe , 1982, pp. 26-27).
Question: If, after almost two centuries of digging beneath all the world’s continents, no previous ancestor of this first hard-bodied creature has been found, how then did the ubiquitous trilobite evolve? There should be some previous ancestor if evolution were true.
It’s like finding an exquisite watch on the seashore and yet never finding any previous primitive models of the watch on earth. If you reasoned as an evolutionist, you would deny there was a need for a watchmaker at all, maintaining that time, water, sand, minerals and actions of the elements are sufficient to producing a fully functional watch that runs. This is part of the reason it takes more faith to believe in evolution than in a Creator!
Further important evidence from the fossil record is the absence of transitional forms between species. Darwin was concerned that the thousands of intermediate stages between creatures needed to prove his theory were not in evidence, but he expected they would eventually be found. Yet those thousands of missing transitional forms are still missing!
Another reference explains: “If throughout past ages life was actually drifting over in one continual stream from one form to another, it is to be expected that as many samples of the intermediate stages between species should be discovered in fossil condition as of the species themselves … All should be in a state of flux. But these missing links are wanting. There are no fossils of creatures whose scales were changing into feathers or whose feet were changing into wings, no fossils of fish getting legs or of reptiles getting hair. The real task of the geological evolutionist is not to find ‘the’ missing link, as if there were only one. The task is to find those thousands upon thousands of missing links that connect the many fossil species with one another” (Byron Nelson, After Its Kind , 1970, pp. 60-62).
The absence of transitional forms is an insurmountable hurdle for theistic evolutionists as well. It also fits with our next point.

A for Assumption

When there is no real evidence, evolutionary scientists simply make assumptions.
If evolution were true, then where is the evidence of different types of animals now “evolving” into other types? Where is the evidence of cats, dogs and horses gradually turning into something else? We do see changes within species, but we do not see any changes into other species. And, as mentioned, we see no evidence of gradual change in the fossil record either. Yet evolutionists continue to assume that transitional forms must have existed.
In Darwin’s landmark book On the Origin of Species there are some 800 subjective clauses, with uncertainty repeatedly admitted instead of proof. Words such as “could,” “perhaps” and “possibly” plague the entire book.
Evolution is still called a theory—a possible explanation or assumption—because it is not testable according to the scientific method, as this would require thousands or millions of years. Evolutionists will counter that a theory is not a mere hypothesis but is a widely affirmed intellectual construct that generally appears to fit all the facts. Yet evolution in no way fits all the facts available. Evidence does not support it—and in many respects runs counter to it.

L for Life

The law of biogenesis as taught in biology class states that only life can produce life.
You’ve probably heard the famous question: Which came first, the chicken or the egg? It’s a real dilemma for an evolutionist to answer. An egg comes from a chicken, yet the chicken comes from an egg. How can there be one without the other?
To complicate matters even more, the chicken has to come from a fertilized egg that has the mixture of two different genetic strains from both its parents. So the problem of the origin of life and initial reproduction is still a mystery that evolutionary science cannot adequately answer.
Yet for someone who believes in special creation by a Creator, there is no dilemma here. First God made the male and female chickens, which produced the first fertilized egg—and the rest is history.

S for Symbiosis

When one living thing needs another different living thing to survive, it’s called a symbiotic relationship.
A good example of this is the relationship between bees and flowers. The bees need the nectar from some types of flowers to feed while these flowers need bees to pollinate them. Both depend on each other to exist and survive. The question for evolutionists is: How did these plants exist without the bees, and how did the bees exist without these plants?
Again, atheistic scientists are stumped. Theistic evolutionists are perplexed as well. Yet if you believe in a Creator who specially created the various forms of life on earth, the answer is simple—both were created at about the same time.

E for Engineering

All living things are exquisitely engineered or designed. Qualitatively, a bacterium is as majestically built for its purpose as a human body is for its function. Yet evolution says it’s only an illusion of design—that there is no real designer behind it. Reality is not an illusion! Living things are multi-functional, which means they do many complex things at the same time, something evolution with its step-by-step process has never been able to demonstrate.
One example of a living thing with exquisite engineering is the tree. It provides breathable oxygen for us while processing carbon dioxide, which would in high amounts in the air be toxic to us. It supplies wood, housing for birds, roots to limit erosion, fruit and seeds to eat, is biodegradable and gives shade. According to the U.S. Department of Agriculture, “A healthy tree provides a cooling effect that is equivalent to 10 room-size air conditioners operating 20 hours a day.” How could something so complex arise from a random, undirected evolutionary process?
Again, you need more “faith” to believe in blind evolution than in an all-knowing Creator who designed the marvelous tree in the first place.
Now you have five proofs that evolution is F-A-L-S-E and that special creation is true—and we didn’t even use the Bible. Remember the acronym FALSE when you read or hear about evolution—and do take time to read our Creator’s great book of truth! It has much to say regarding origins.

Friday, July 10, 2015

Will Common Diseases One Day Collapse the Economies of the West?

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In Brief... World News Review

Will Common Diseases One Day Collapse the Economies of the West?

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In the current climate of constant threats of terrorist attacks, of anthrax scares and biotoxin fears, who could guess that a heat wave would hand France one of the greatest tragedies in its history? The official count is still unknown, but as of this writing, the death toll in France for the period of Aug. 1 to 15 was 11,435, and most victims were elderly. The country simply cannot afford to care for its senior citizens in the way that it should. Discussions are under way about the possibility of every worker donating one day's wage per year (by working through a national holiday) to generate emergency funding.
Alzheimer's will grow by 150 percent in the United Kingdom by 2050. By the same date, the number of people with Alzheimer's in the United States could reach 300 percent of today's numbers—that's up to 16 million Americans. This projection, based upon U.S. census data, comes from the Rush Institute on Healthy Aging.
Sheldon Goldberg, president and CEO of the U.S. Alzheimer's Association, warned: “If we don't find answers soon, it will be devastating on multiple fronts.” Unless advances in research produce effective treatments, the Rush Institute declared that the projected increase is enough to bankrupt the American Medicare system.
Meanwhile, in China economists blame the 3.7 percent shrinkage in Hong Kong's gross domestic product for the second quarter of the year on the SARS outbreak. Toronto also lost tens of millions of dollars in tourism revenues when the World Health Organization declared the city unsafe, due to a lengthy period of uncontained SARS infections there.
SARS is a pneumonia-like virus, believed to have “jumped” from animals to humans in the Guangdong province of China, where the illness claimed hundreds of victims. Recent investigations in the province revealed the presence of a variation of SARS in several test animals, as well as some healthy people. The people may not become ill themselves, but they are carriers of the disease.
Apart from the possibility of the introduction of a new strain of SARS, scientists are warning that the regional strain will most likely reappear when the next flu season begins.
The flu itself could become a bioterror weapon. Scientists from the University of Texas Health Science Center say that commonly known information from the genome of the 1918 flu epidemic could be used to create an even more deadly strain than that one, which took the lives of 20 to 40 million people.
Even in our modern world of advanced technology and medical science, we are ever vulnerable to common diseases. We need to be mindful of the fact that good health is a blessing from God, one that we cannot afford to take for granted. There is a direct correlation between our respect for and application of God's laws and the prosperity of our countries. As America rushes to distance itself from God's great laws, we would do well to take heed of His sober words in Leviticus 26:14-16 Leviticus 26:14-16 14 But if you will not listen to me, and will not do all these commandments; 15 And if you shall despise my statutes, or if your soul abhor my judgments, so that you will not do all my commandments, but that you break my covenant: 16 I also will do this to you; I will even appoint over you terror, consumption, and the burning ague, that shall consume the eyes, and cause sorrow of heart: and you shall sow your seed in vain, for your enemies shall eat it.
American King James Version×
.
“But if you do not obey Me, and do not observe all these commandments, and if you despise My statutes, or if your soul abhors My judgments, so that you do not perform all My commandments, but break My covenant, I also will do this to you: I will even appoint terror over you, wasting disease and fever which shall consume the eyes and cause sorrow of heart.”
— ABC News , Agence France-Presse , BBC .

Friday, June 26, 2015

The Supreme Court Decision on Sodomy

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The Supreme Court Decision on Sodomy

Answerable to a Higher Court

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Sodomy is defined in Webster’s New Collegiate Dictionary as “carnal copulation in any of certain unnatural ways.” Clarke’s Standard Reference Dictionary (UK, 1982) defines it as “any sexual intercourse held to be abnormal, as between a person and an animal or between two persons of the same sex.”
When most people think of sodomy, they think of sexual acts between people of the same sex, but the legal definition is clearly broader than that. The Bible also shows us that the sins of Sodom were many. The Old Testament prophet Ezekiel described them as “pride, fullness of food, and abundance of idleness; neither did she strengthen the hand of the poor and needy. And they were haughty and committed abomination before Me …” (Ezekiel 16:49-50 Ezekiel 16:49-50 49 Behold, this was the iniquity of your sister Sodom, pride, fullness of bread, and abundance of idleness was in her and in her daughters, neither did she strengthen the hand of the poor and needy. 50 And they were haughty, and committed abomination before me: therefore I took them away as I saw good.
American King James Version×
). Certainly, sexual sins were included among these.
The word sodomy comes from the biblical city of Sodom, notorious for its vice and corruption. Sodom, along with its sister city Gomorrah, were destroyed by God because of the sinfulness of its people.
You can read an account of the circumstances that led up to this destruction in Genesis 18 and 19.
When Abraham realized that God had determined to destroy the twin cities “because their sin [was] very grave” (Genesis 18:20 Genesis 18:20And the LORD said, Because the cry of Sodom and Gomorrah is great, and because their sin is very grievous;
American King James Version×
), he appealed on their behalf, bargaining with God's messengers. He asked: “Would You also destroy the righteous with the wicked?” (verse 23). “Suppose there were fifty righteous within the city; would You also destroy the place and not spare it for the fifty righteous that were in it?” Abraham was assured that if there were 50 righteous left in the city, the city would be spared.
On second thoughts, Abraham realized that there might not be 50 righteous inhabitants left, so he asked again, this time wondering if the city would be spared if only 45 God-fearing citizens remained. He was assured the city would be spared. Eventually Abraham got down to 10. And the Lord said, “I will not destroy it for the sake of ten” (verse 32).
In the next chapter we see the cities destroyed. Clearly, there were not even 10 righteous people left.
The incident that preceded the final destruction of Sodom involved homosexual rape. When the two messengers from God were staying with Lot, “the men of the city, the men of Sodom, both old and young, all the people from every quarter, surrounded the house. And they called to [Abraham's nephew] Lot and said to him, 'Where are the men who came to you tonight? Bring them out to us that we may know them carnally [sexually]”. Rebutted, the men “pressed hard against the man Lot, and came near to break down the door” (verses 4-9).
Immediately after this incident, God took action to destroy the cities of Sodom and Gomorrah (read the rest of the chapter). After witnessing their sin for a very long time, His patience had run out and He chose to remove them from the face of the earth.
Could the same fate befall the United States of America?
Since the “sexual revolution” of the 1960s, America and other Western nations have progressively moved further and further away from God and His standards of morality as defined in His Word, the Bible.
The sexual reforms of the '60s and subsequent decades have contributed greatly to the breakdown of the family, the increased spread of sexually transmitted diseases, millions of HIV/AIDS infections, an epidemic of drug-taking and increased crime and violence. Despite this fact, the greatest legal authorities in the land have reacted with yet another “reform” that takes the country further away from God’s laws for mankind.
As with Sodom and Gomorrah, when will God pull the plug on our immoral society?

Thursday, June 25, 2015

What's Behind America's Growing Dependency Society?

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What's Behind America's Growing Dependency Society?

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During the first half of October 2013, another epic battle played out in Washington over the federal budget. Narrowly avoiding default, both sides decided to kick the can down the road—again. The contrast between those who believe government must provide ever more services and those who wonder how the nation will ever pay its mounting bills grew starkly defined.
Since the end of World War II, when the United States emerged as the world's greatest superpower, massive change has transformed the fabric of American society. A nation in which millions worked hard to defeat fascism and imperialism has turned into a nation increasingly on the dole.
As of early 2013 a staggering 160 million Americans (out of 325 million)—more than 49 percent—live in households receiving a monthly check from one or more government programs. Federal entitlements have expanded to include Social Security, Medicare, Medicaid, food stamps, student education loans, Temporary Assistance to Needy Families, and a host of other programs.
Over the past five years these programs have cost taxpayers a shocking $3.7 trillion. This is more than the entire U.S. Gross National Product was in the early 1980s. It's more than five times what the U.S. government spent on NASA, education and transportation during the same period.
Let's take a closer look at America's shift to dependency and what it means for the nation.

Expanding programs, expanding fraud

It all began with the granddaddy of social programs, Social Security. Enacted in the depths of the Great Depression in 1933, the original aim was to set up a plan for older workers to contribute to their retirement.
But today's glut of programs bears little resemblance to the simple program President Franklin Roosevelt had in mind. Today more than 58 million Americans receive a check each month from the Social Security Administration—a number predicted to swell to more than 97 million by 2035.
Many government programs are known for fraud and abuse. One part of Social Security, the disability insurance program (SSDI), has grown especially fast in recent years. Originally intended to pay benefits to the truly disabled, the program is being investigated for fraudulent approvals, enabling perhaps millions of able-bodied Americans to receive monthly checks of up to $2,500 from the government.
While the vast majority of those receiving Social Security disability benefits qualify legally, fraud in the program has been well documented. A typical pattern involves older workers who have lost their jobs due to the recent recession. When unemployment benefits run out, the next logical step for many is to claim a disability that will keep federal checks coming. If the initial claim is denied, there are always lawyers with TV ads claiming to know just how to get those benefits coming.
But the problem doesn't stop there. Frequent exposés reveal thousands of other Americans fraudulently receiving benefits, using ruses such as the names of dead people or people who have left the country. It all adds up to billions in fraud and abuse annually.
Like other entitlements, the Supplemental Nutrition Assistance Program, more commonly known as the Food Stamp program, began with a lofty purpose. America has always had an underclass of truly poor people facing chronic hunger. The Food Stamp program was enacted to provide a nutritional “safety net” for these individuals.
But the Food Stamp program has exploded, like so many other federal entitlement programs. Since 2007, the program has mushroomed from a $35 billion outlay to more than $80 billion in 2012, with more than 45 million Americans now getting food stamps. Food stamp rolls are growing at 75 times the rate of new job creation!

Medicare and Medicaid explosion

Almost in lockstep with America's growing dependence on government-provided food is the growing dependence on free or reduced-price medical care. Medicaid, a combined federal-state program set up to provide health-care benefits to the poor, covered an estimated 82.5 million Americans, or 27 percent of the population, as of late 2011.
An additional 46.5 million were on the Medicare rolls for elderly health care and health-care supplements. That number is rising rapidly as millions of baby boomers reach retirement age.
Medicare rolls are growing due to an estimated 3.6 million retiring baby boomers being added each year. A continued soft economy, with higher than normal unemployment, is producing what some observers are calling a permanent underclass, most of whom rely on Uncle Sam for their health care.
Here, too, widespread fraud and corruption compounds the problem. Medicaid fraud, which usually involves a hospital, nursing home, health-care professional, ambulance service or pharmacy overbilling Medicare, has grown into a $30 billion problem, or roughly 10 percent of the program's cost. State-administered Medicaid programs are especially fraud-ridden. New York, for example, budgets more than $50 billion of its $121 billion state budget on the program, and estimates that fraud costs it as much as $18 billion of that amount.
Decades of dependence on Medicare and Medicaid helped pave the way for the newest health-care entitlement, the Affordable Care Act, otherwise known as Obamacare, the first major step towards instituting nationwide socialized medicine.
Working on a largely European model, Obamacare continues to remove health-care decisions from doctors and forces millions of basically healthy Americans to buy health insurance to extend coverage to some 42 million Americans who haven't been covered by any health insurance plan. To encourage participation, Americans earning up to four times the federal poverty level are to be given a federal subsidy to buy insurance.
The law's requirements have polarized Americans unlike virtually anything that has come before it. Millions resent being forced to buy health insurance or facing fines if they fail to do so. And other millions of insured citizens are likewise being forced to turn to government “health exchanges” for coverage at rates much higher than they were paying previously.

Why bother to work?

In the face of generous federal benefits, many Americans who lost jobs during the recession and slow recovery have basically given up looking for work. Some have apparently done the math, asking themselves why they should work when they can have as great or greater equivalent income with food stamps, free health care and unemployment benefits for up to two years.
So it's not surprising that the percentage of the adult population working has fallen to 63 percent, the lowest percentage since 1978. Over the past five years, more than 10 million U.S. adults have left the labor force. It's a bad downward trend, and many economists see no indication this is improving.
Economists blame failure to create jobs and the rapid pace of retirements of baby boomers as two reasons for the falling labor participation rate. And a third reason they now give is more Americans going on Social Security disability, with 8.8 million Americans receiving Social Security Disability benefits—a number that has doubled since 1995.
Could it be that many Americans have simply grown tired of working, or see not working as a more attractive financial alternative?

Major shifts in American attitudes

These trends reflect a fundamental change in attitude. A nation that traditionally prided itself on hard work and self-reliance now looks increasingly to Washington as the source for supplying all needs. Uncle Sam has become the “rich uncle” to many.
Seemingly lost in all this social change is the diminished role of the family. Since the dawn of civilization, people looked first to their family, and then to a lesser extent to their neighbors and community, for help when hungry or sick or destitute.
This strong family and community influence was long a part of America, when rural folks would assist each other in clearing land, building houses and raising crops. Families looked after not only their own, but others as well. If families had to leave home for a time, they could count on neighbors to look after their property.
But the central role of the family began to erode rapidly in the 20th century. Beginning with President Franklin Roosevelt's “New Deal” of the 1930s, American attitudes towards governmental assistance began to change. The Great Depression at that time disrupted the lives of millions, bringing hunger, deprivation, and the loss of homes, farms and businesses. As the Depression dragged on in the early 1930s, Americans began to look to government for a solution.
No longer was the role of the federal government limited to keeping the peace and maintaining national security. Now its job, in the eyes of millions, was also to stamp out poverty, provide old-age pensions and health care, pay for college educations, maintain a basic level of nutrition, support illegitimate children, and on and on. The increasing role of the federal government gained more traction with President Lyndon Johnson's “Great Society” of the 1960s, which was promoted as the way to eradicate poverty (in spite of almost $15 trillion spent on anti-poverty programs since then, the U.S. poverty rate remains essentially unchanged).
Over the past 30 to 40 years a country that once prided itself on self-reliance became addicted to government aid. A 2008 study by the Pew Research Center revealed a shift in preference toward a more socially activist role for the federal government, with millions seeing it as government's role to aid the disadvantaged.
The report also noted that this coincided with a diminished role of religion in daily life. More than half said the government should help more needy people even if it adds to the nation's debt. This was up from just 41 percent who felt this way in 1994.

Has America reached a tipping point?

Has America reached a tipping point? Is the nation's growing dependence on government programs—with half of American households getting a check from the government each month—at the point of no return?
At his inauguration in January 1961, newly elected President John F. Kennedy issued a famous challenge to his fellow Americans: “Ask not what your country can do for you—ask what you can do for your country.” Sadly, millions have reversed that into “Ask not what you can do for your country—ask what your country can do for you.” And to them the answer is— plenty!
Free food, free housing, free cell phones, free education, free health care, free money, and on it goes. So long as it's free, why not?
But as the saying goes, there's no such thing as a free lunch. Eventually the bill comes due. America's national debt recently passed the $17 trillion mark—up from $10.6 trillion only five years earlier. But that figure pales in comparison to the federal government's total unfunded obligations for Medicare and Social Security, currently estimated at $43 trillion to as much as $126 trillion, depending on which set of economic assumptions are plugged in.
At the latter figure, each American taxpayer is on the hook for a staggering $1.1 million! But even at the lower number, each taxpayer's share is some $375,000.
Obviously this is an unsustainable path, driven by far too many people who feel entitled to “free” government benefits paid for by the government forcibly taking from their producing neighbors—and abetted by unscrupulous politicians and government officials who have learned that the sure way to get votes is by promising ever more benefits from the public treasury.
Such things are clearly not God's way. Yes, God commands love toward neighbor, and He instituted laws and instructions designed to care for those in difficult circumstances (see “Dependence, Independence and Helping Those in Need “).
But He surely doesn't endorse a society in which half the citizens live off the labors of the other half, with a government incurring massive and unsustainable debt that can realistically never be paid back. This is nothing more than government-endorsed (and enforced) theft—a blatant breaking of the Eighth Commandment, “You shall not steal” (Exodus 20:15 Exodus 20:15You shall not steal.
American King James Version×
).
Where will this end? Sadly, without a major change of heart, the United States will follow the pattern of other great empires that have gone before—disappearing, as the saying goes, not with a bang but with a whimper, victim of its citizens' own spiritual blindness and greed.

Wednesday, June 10, 2015

America's National Debt Growing With No End in Sight

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America's National Debt

Growing With No End in Sight

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America's fixation with the slug-fest between Barack Obama and Mitt Romney and the looming presidential election obscures a huge but little-noticed milestone. Well before Election Day, the debt of the United States will surpass the U.S. economy's entire national output, or gross domestic product (GDP).
You read that right. America's national debt, at $15.79 trillion at mid-year, has surpassed the entire output of the sluggish U.S. economy. And it's still growing fast.
This has happened only once before in U.S. history. In the all-out effort to defeat Nazi Germany and Imperial Japan in World War II, the United States racked up a national debt that exceeded the nation's yearly output. But that debt was quickly repaid following the war, as millions of U.S. soldiers returned home and found jobs in an economy that quickly turned from a war footing to domestic consumption. With a booming economy, the debt stabilized and fell rapidly as a percentage of GDP until, by 1973, the debt had shrunk to 26 percent of GDP.
But that's not happening today. Instead, expenditures for Social Security, Medicare, Medicaid, interest on the national debt and other aspects of federal spending keep growing with no end in sight. An increasingly polarized Congress, embroiled in election-year politics, seems powerless to make the policy changes needed to stop the hemorrhage of red ink.

An unprecedented debt binge

Most Americans seem unaware of just how fast the debt has grown. In 1950, five years after the end of World War II, the national debt was only $260 billion. The debt grew to $5.7 trillion or about 40 percent of GDP by 2000, fueled by the Vietnam War in the 1970s, major defense spending increases in the 1980s and rising numbers of Americans retiring and drawing Social Security and Medicare.
Since 2000, however, the debt growth rate has exploded, the result of massive expenditures in response to the September 2001 terrorist attacks and huge deficit spending to stimulate the U.S. economy beginning in 2008. From fiscal 2003 through 2007, the debt grew by roughly $500 billion a year, but debt exploded beginning in fiscal 2008 as deficits ballooned, averaging almost $1.5 trillion from fiscal 2008 through 2011.
Consider this: The growth in the debt of nearly $6 trillion in the past four years roughly equals all the debt accumulated from the creation of the United States in 1776 to 2000!
In light of these facts, it's hard to believe that in 2001 the Congressional Budget Office (CBO) forecast a total elimination of the federal debt by 2006 and a $2.3 billion surplus by 2011!
Since fiscal 2010, the government has borrowed nearly 40 cents of every dollar it spends. A family spending at this reckless rate would soon go into bankruptcy, but Congress and the president skirt the impending crisis by merely issuing more debt and raising the debt ceiling.
More than a year has passed since Congress passed the Budget Control Act in an effort to get out ahead of the debt debacle. The mandated severe cuts in overall spending amounted to $1.7 trillion over the next decade, but this would barely make a dent in the $16 trillion debt. Congress, however, has returned to congressional deadlock over the debt crisis, and even the president's own fiscal reform plans show the debt continuing to rise for decades.
The fiscal crisis of last summer combined with the failure of Congress and the president to come to terms over the debt prompted Standard and Poor's, the major international credit rating agency, to downgrade the credit rating of the United States from AAA to AA+. It was the first downgrade since the AAA rating had been issued in 1917, and many observers predict the rating could fall to AA within two years if something isn't done to rein in the explosive growth of the U.S. debt.
Most of that debt is held by other nations, with China, at $1.15 trillion, the largest single holder. Many Chinese are nervous about the huge amount of debt owed them, and last year's downgrades have only added to their feelings that it might not be wise to continue investing in U.S. government securities.

Is this what Americans really want?

What has led to this state of affairs? As is most often the case, complex problems often have several causes. Most economists and observers, however, point to the growing welfare state status as the single largest factor contributing to the rapid growth of U.S. national debt.
Today, half of all American households open their mailboxes each month and pull out a check from a supposedly rich uncle—Uncle Sam. Retiring baby boomers and rapid increases in the elderly population have swelled recipients of Social Security and Medicare, while a recent spike in the U.S. poverty rate has boosted Medicaid expenditures.
Nearly 1 in 7 Americans receives food stamps. That program, begun in the 1960s to fight poverty in the eastern part of the United States and the country's inner cities, now feeds more than 47 million Americans, which is greater than the combined populations of Florida, Texas, Colorado, Arizona and New Mexico. The food stamp program has grown 70 percent just since 2007. Mean-while, 8.7 million Americans—more than the population of New York City—are receiving federal disability payments, a 17 percent increase in the last 3½ years.
Growth rates of the “Big Three” social programs—Social Security, Medicare and Medicaid—are projected to continue to increase. Each year, more of the 76 million baby boomers retire and join the ranks of Social Security recipients. Americans of the “greatest generation” who are still living are in their upper 80s and older, when the need for medical services is the greatest. And a sluggish economy will keep joblessness and poverty high, ensuring that millions will continue to receive Medicaid health-care and unemployment benefits.
Most baby boomers enter retirement blithely confident that their check will arrive each month. But they fail to consider that $2.7 trillion of the nearly $16 trillion debt represents money borrowed from the Social Security Trust Fund to cover other government expenditures. That contributes to another problem that worries millions of baby boomers—various studies show the trust fund to be headed for insolvency as early as 2018.

Looming crisis in unfunded liabilities

America is learning the meaning of the term “unfunded liability” as it applies to Social Security, Medicare and Medicaid. The Congressional Budget Office estimates current obligations under these three programs at about $45.8 trillion, with $7.7 trillion allotted to Social Security and the rest to Medicare and Medicaid.
Certainly federal policy makers are aware of the looming crisis. On June 17, 2008, CBO director Peter Orszag gave this assessment in his statement to the U.S. Senate Finance Committee: “Future growth in spending per beneficiary for Medicare and Medicaid—the federal government's major health care programs—will be the most important determinant of long-term trends in federal spending. Changing those programs in ways that reduce the growth of costs—which will be difficult, in part because of the complexity of health policy choices—is ultimately the nation's central long-term challenge in setting federal fiscal policy” (“The Long-Term Budget Outlook and Options for Slowing the Growth of Health Care Costs.”)
A bland but true assessment of a major looming crisis.
If present trends continue, the end of this decade will see a federal budget in which the vast majority of federal tax revenue will be eaten up by interest on the debt and payouts to Medicare, Medicaid and Social Security. Little would be left for vital national defense and hundreds of other areas of the federal government.
All this debt portends slower U.S. economic growth. A recent study by economists Carmen Reinhart of the Peterson Institute for International Economics and Kenneth Rogoff of Harvard University calculated that countries with public debt above 90 percent of GDP grow by an average of 1.3 percentage points per year slower than less indebted countries. The drag of debt will likely cause slower economic growth to an already sluggish economy, making it more difficult for the economy to “grow out” of serious fiscal problems.
In a decision that shocked millions of Americans, the U.S. Supreme Court in late June 2012 narrowly upheld the Obama Administration's health-care reform act. This legislation, whose centerpiece is the mandate that all Americans must have health insurance by 2014 or pay a penalty, will expand the power of government in the lives of Americans and impose a new “tax” that will only spur the growth of the national debt.
And already some states are balking at the hundreds of millions of dollars in increased spending that will be added to stretched state budgets to cover expansion of Medicaid costs called for in the president's health-care act.
Is this what Americans really want? A growing chorus of voices sees these facts and wonders how America can remain the world power it has been for much of the past century. They look abroad and notice the growing economic and political strength of China, India, Brazil, and other rapidly growing economic powerhouses. The 20th century was America's century, but the 21st century will see the United States eclipsed by some other power.

Change to national character

A number of observers of American life have noted a change to the country's national character in recent years. Many have commented on how millions of Americans increasingly look to government to solve all financial, medical and even emotional problems. Increasingly, Americans are happy to see government play an ever-larger role in daily life, and see no problem with the nation taking on increasing debt to meet real or perceived needs.
Of course, that debt must eventually be repaid. The nearly $16 trillion federal debt, which will surpass $20 trillion within five years at present growth rates, presents a huge burden to children and grandchildren not yet even born.
For generations, Americans have looked forward to working productively through their lives, then at death transferring most of that wealth to their children. It's a principle set forth in your Bible. Proverbs 13:22 Proverbs 13:22A good man leaves an inheritance to his children’s children: and the wealth of the sinner is laid up for the just.
American King James Version×
says, “A good man leaves an inheritance to his children's children.”
Of course, you can't leave an inheritance unless you've accumulated something. But, sadly, more and more Americans today die penniless or even in debt, with nothing to show for a lifetime of work.
It's likely that America's national legacy of debt will lower living standards for future generations by reducing the stock of capital available for future investment, a concern being voiced by a growing legion of economists.
Economists such as MIT professor and Nobel Laureate Robert Solow are worried that saddling future generations with massive debt payments will reduce savings and investments needed to fund new factories and infrastructure investments. The result? Slower economic growth, fewer jobs and lower living standards for generations to come. Edward Mantell of Pace University in New York states it simply: “Instead of transferring our wealth to them, we are transferring their wealth to us.”
But it seems that people are unable to see beyond their own immediate needs and wants, perfectly content to allow children and grandchildren to bear the costs of profligate spending today. Instead of leaving a national legacy of prosperity, we may well leave a legacy of higher taxes and reduced economic growth as they struggle to pay the interest on the massive national debt bill we have created.

Does your Bible say anything about debt?

Your Bible, believe it or not, has something to say about America's economic condition. It would be worth your time to study Leviticus 26 and Deuteronomy 28, known as the “blessings and curses” chapters.
One very critical verse, Deuteronomy 28:44 Deuteronomy 28:44He shall lend to you, and you shall not lend to him: he shall be the head, and you shall be the tail.
American King James Version×
, is especially revealing. Referring to foreigners, it says, “He shall lend to you, and you shall not lend to him; he shall be the head, and you shall be the tail.” For about a quarter century after World War II, America was the world's greatest creditor nation. But the situation has completely reversed over the last 30 years as the United States has become the greatest debtor nation in human history.
We should ask ourselves: Does Deuteronomy 28:44 Deuteronomy 28:44He shall lend to you, and you shall not lend to him: he shall be the head, and you shall be the tail.
American King James Version×
seem to read exactly like America's situation today?
Notice also Proverbs 22:7 Proverbs 22:7The rich rules over the poor, and the borrower is servant to the lender.
American King James Version×
: “The rich rules over the poor, and the borrower is servant to the lender.” A popular current restatement of the Golden Rule is expressed as “he who has the gold makes the rules.” As of mid-2010, some 52 percent of U.S. foreign debt was held by foreign nations or foreign citizens. Rival or hostile nations such as China, Iran, Russia, Venezuela and Libya own in aggregate more than $2 trillion of our debt, a fact unknown to the average American today.
Just as many Americans find it so easy to swipe a credit card, Washington finds it so easy to issue government notes and bonds to cover more government spending. It all seems so simple, so painless—at least until the bill becomes due. And just as breaking the credit card habit is so painful to many individuals, so is breaking a borrowing habit painful for a nation.
Today, we see the United States operating under a curse, a curse foretold in your own Bible.
As a nation, by collective choices over the past 50 years, the United States has created a debt unlike anything else in human history. Your Bible reveals that this massive debt is a major factor that will ultimately lead to the demise of America as a free nation.
But there truly is good news. A new economic world order is on its way—not that of the evil end-time system foretold in Scripture, but one beyond that in a new age that will soon dawn. It will be like nothing you have imagined. You can read about it in other articles in this issue. And although America's debt has grown so huge that it will likely cripple the nation's future, you can ensure your place in the exciting, prosperous world to come. We hope and pray you'll take the necessary steps in that direction!

Wednesday, April 15, 2015

Dealing With Money Problems

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Dealing With Money Problems

Bible Study - Dealing With Money ProblemsMoney in one form or another has been around and valued highly by most for thousands of years. But money, debt and finances have also been the source of many personal and family problems over those years. What does the practical wisdom of the Bible teach us about how to deal with money problems?
Skip, a Christian from California, relates this story:
"We were not making enough money to cover our needs. My wife had quit her job because I thought that I was the one who should be the principal income maker. Our income went from $14,000 per year in 1971 to $6,000 a year in 1972. We needed help.
"The first thing we did was to seek counsel. After that we both sat down and admitted that this would have to be a mutual effort. Together we would succeed or fail. Then we prayed, together.
"At this point we wrote down everything that we really needed to live. Since I had a job, I needed to get to work. I had a car and it needed gas, but I didn't need to stop before work for coffee. We wrote down exactly what we needed and did not need and discussed this with each other.
"Many things then became wants and not needs.
"We had no children yet, so we could evaluate a bit more ruthlessly on items like food. All expensive items were eliminated; basics became normal. Shopping is not a pastime if you are in survival mode! Soups and casseroles were standard, and nothing was wasted. Lunch was often leftover dinner from the night before.
"If you have a job, thank God and tithe on your increase! We did. I had trained and studied to become a teacher, but there were few, if any, openings in 1976 and 1977.
"It became disheartening, but with my God-given, vigorous good health and working at all the labor jobs that I could find, we managed to almost scrape by—actually going into the hole a little each month. Things got worse before they got better.
"And then that recession was over, and school districts started hiring again. I had gotten my credentials in 1975 but hadn't even looked for a teaching job that year. But as soon as I interviewed for a teaching job in 1978, I was told that one awaited me at the beginning of the spring semester 1979.
"Were there lessons I needed to learn before God answered yes to our prayers for a good job? They are too numerous to recite! But in retrospect, not having much money was a valuable training program for when we were blessed with more money. You can't really remember what you never went through."
Share Your Story

What Does the Bible Say About Money?

How long has money been around? Probably ever since there were more people than one extended family. The Bible tells about various financial transactions Abraham made about 4,000 years ago (Genesis 13:2; 14:20; 20:16; 23:9). It is obvious Abraham was a rich man, but he was also a generous, good man.
Does God object to riches?
Proverbs 10:22
The blessing of the Lord makes one rich, and He adds no sorrow with it.
If God gives riches, obviously money isn't bad in itself, and He does not object to wealth.
What isn't good in God's sight?
Matthew 6:24, 33
"No one can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon...
"But seek first the kingdom of God and His righteousness, and all these things shall be added to you."
1 Timothy 6:9-10
But those who desire to be rich fall into temptation and a snare, and into many foolish and harmful lusts which drown men in destruction and perdition.
For the love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows.
Trusting in riches or wealth is wrong. Serving mammon (the New International Version translates this "Money") and not God is wrong. Greediness is absolutely wrong. But can we enjoy both God and the correct bounty of this world? We can if we do things God's way. Matthew 6:33 indicates that God can and will bless us abundantly if we get the right perspective in our mind.
Why aren't many of God's people rich or wealthy?
1 Corinthians 1:26, 29
For you see your calling, brethren, that not many wise according to the flesh, not many mighty, not many noble, are called...
that no flesh should glory in His presence.
1 Timothy 6:17-19
Command those who are rich in this present age not to be haughty, nor to trust in uncertain riches but in the living God, who gives us richly all things to enjoy.
Let them do good, that they be rich in good works, ready to give, willing to share, storing up for themselves a good foundation for the time to come, that they may lay hold on eternal life.
God has not chosen to call many of the "important" or famous people of the world now, but to use the weak and the poor to demonstrate that it is God who makes a difference in our lives. "He who glories, let him glory in the Lord" (1 Corinthians 1:31).
Paul's instructions to Timothy tell us that some Christians were rich. But his warnings give some hints about the spiritual problems being wealthy can cause. Unfortunately when and if we strike it rich, we tend to take credit ourselves and not give credit to God. On the other hand, if we have had to struggle a bit, we have a much better chance of learning that the race is not always to the swift. As a result, we just might more easily and readily thank God.
Can there be real problems with having more than enough money?
Mark 10:21-27
Then Jesus, looking at him, loved him, and said to him, "One thing you lack: Go your way, sell whatever you have and give to the poor, and you will have treasure in heaven; and come, take up the cross, and follow Me."
But he was sad at this word, and went away sorrowful, for he had great possessions.
Then Jesus looked around and said to His disciples, "How hard it is for those who have riches to enter the kingdom of God!"
And the disciples were astonished at His words. But Jesus answered again and said to them, "Children, how hard it is for those who trust in riches to enter the kingdom of God! It is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God."
And they were greatly astonished, saying among themselves, "Who then can be saved?"
But Jesus looked at them and said, "With men it is impossible, but not with God; for with God all things are possible."
What if God asks us to give up the good life? This parable shows a real challenge that a wealthy Christian could face.
The world around us bases financial decisions on self-interest—and even blatant greed. But what underlying attitude does the Bible teach?
Acts 20:35
"I have shown you in every way, by laboring like this, that you must support the weak. And remember the words of the Lord Jesus, that He said, 'It is more blessed to give than to receive.'"
The apostle Paul showed by his own example and by a quote from Jesus Christ that we should live a way of give, rather than basing all our decisions on what we can get. We can give to others in need and give gifts to show our love. We are also instructed to give tithes and offerings to God, since everything we have comes from Him in the first place (Malachi 3:8-9; Matthew 23:23). Offerings state to God that we know where our blessings really come from.

Using Money Wisely

Is there a correct sequence for living life?
Proverbs 24:27
Prepare your outside work, make it fit for yourself in the field; and afterward build your house.
The New Living Bible translates this: "Develop your business first before building your house."
God anticipated that people could become infatuated before they had established a trade or profession. Worrying about having a good, solid job might seem somewhat mundane when you're in love, but you still need to earn a living! Get a good education, the best that you can, but don't end up being a perennial student with lots of smarts and no real wisdom.
Having good skills and good work habits will help in finding and keeping a good job. And work is a vital aspect of the training program God has for us in this life. See also our lessons on "Job Satisfaction and the Value of Work" and "Dealing With Unemployment."
What should we do to avoid money problems? How can we make sure we spend our money correctly?
Proverbs 22:3
A prudent man foresees evil and hides himself, but the simple pass on and are punished.
James 1:5
If any of you lacks wisdom, let him ask of God, who gives to all liberally and without reproach, and it will be given to him.
A major part of financial wisdom involves planning. Have a budget and follow it. We publish a practical and helpful booklet titled Managing Your Finances that will help you begin to formulate your own personal plan or budget. Seeking wisdom from God, His Bible and wise counselors can help us avoid problems or map out a way through those problems.
Does God encourage saving?
Proverbs 13:22
A good man leaves an inheritance to his children's children, but the wealth of the sinner is stored up for the righteous.
Saving for a rainy day (Proverbs 6:6-11) and providing an inheritance are two things for which God encourages us to save money.
What do we need to do to improve our financial situation and prepare for the future?
Proverbs 27:23-27
Be diligent to know the state of your flocks, and attend to your herds; for riches are not forever, nor does a crown endure to all generations.
When the hay is removed, and the tender grass shows itself, and the herbs of the mountains are gathered in, the lambs will provide your clothing, and the goats the price of a field; you shall have enough goats' milk for your food, for the food of your household, and the nourishment of your maidservants.
God encourages us to be diligent in our work and in attending to our personal property and financial situation. When we do, our fleeting life will not become a mad scramble to meet our needs in the retirement years.
What are some specific financial steps to take to avoid problems?
Romans 13:1-2, 6
Let every soul be subject to the governing authorities. For there is no authority except from God, and the authorities that exist are appointed by God.
Therefore whoever resists the authority resists the ordinance of God, and those who resist will bring judgment on themselves...
For because of this you also pay taxes, for they are God's ministers attending continually to this very thing.
Exodus 21:33-34
"And if a man opens a pit, or if a man digs a pit and does not cover it, and an ox or a donkey falls in it, the owner of the pit shall make it good; he shall give money to their owner, but the dead animal shall be his."
God expects us to pay taxes and obey the laws of the land we live in. We should also work hard to avoid accidents (usually involving cars, not oxen, today). But it is also wise, and often required, to have insurance in case of accidents. Insurance is also a cost that proves its value should you somehow run afoul of a litigious person who intends to sue you for everything you've got.

Avoiding Pitfalls

What does the Bible say about debt and credit?
Proverbs 22:7
The rich rules over the poor, and the borrower is servant to the lender.
Why does God state that "the borrower is servant to the lender"? Because it is simply true! Become frugal and ignore the pleas on TV that state, "You owe it to yourself!" You will end up owing everybody who talks you into believing that lie. If you don't need it, don't buy it. If you do need it, look for a sale. Sometimes, like waiting 15 minutes after a meal to have dessert, you find you don't really want it at all.
What is a credit card? A device that unlocks your personal wealth and gives it to others. Okay, most people in the Western world need at least one credit card to rent a car or establish a solid financial history. Credit cards can also be helpful to cover short-term costs for a legitimate emergency. But do not ever think that the company who gave you the credit card has your best interest at heart. Unless it is the interest you will pay!
If you are in debt, make a plan for getting out of debt as quickly as possible. Managing Your Finances has practical information on paying off credit-card debt, avoiding debt, a "buying self-test" and a sidebar on "credit counseling services."
Can money can be a test?
Luke 12:16-21
Then He spoke a parable to them, saying: "The ground of a certain rich man yielded plentifully.
"And he thought within himself, saying, 'What shall I do, since I have no room to store my crops?'
"So he said, 'I will do this: I will pull down my barns and build greater, and there I will store all my crops and my goods.
"'And I will say to my soul, "Soul, you have many goods laid up for many years; take your ease; eat, drink, and be merry."'
"But God said to him, 'Fool! This night your soul will be required of you; then whose will those things be which you have provided?'
"So is he who lays up treasure for himself, and is not rich toward God."
In this parable the person obviously was successful, but instead of thanking God for such a blessing and sharing it appropriately with others, he chose to really protect his investment like Fort Knox. God saw his plan and changed it by simply requiring that man's life that night.
All we have said about planning and even saving is true, but if it is all only for self, as this man's plan was, it can be all for naught. "One's life does not consist in the abundance of the things he possesses" (Luke 12:15).
What is it that people really want that money can't buy?
Philippians 4:6-7
Be anxious for nothing, but in everything by prayer and supplication, with thanksgiving, let your requests be made known to God; and the peace of God, which surpasses all understanding, will guard your hearts and minds through Christ Jesus.
Our consumer culture emphasizes what we don't have, but God wants us to recognize and be content with what we do have (Philippians 4:11-13). Being content, thankful and reliant on God will help us to have peace of mind. And isn't peace what people really want? You can have peace of mind and satisfaction that you have lived your life as God intended.
If we seek God's Kingdom first and foremost and if we diligently search God's Word daily, asking God to help us understand His truth, then we will be given resources now, brimful and overflowing, and eternal life later.
That is certainly more than money can buy.

Apply Now

There is much more to this subject than we could cover in this lesson. Our free booklet Managing Your Finances gives even more practical information that can really help. Click on the link to read, download or order a printed copy now.
Please especially read the practical and helpful chapter "Keys to Successful Money Management" and use the accompanying charts, "Determining Your Net Worth" and "Monthly Income and Expense Worksheet," to help you plan and manage your budget. Even if you have never planned a budget before, these tools can help make it simple and effective.
Also, if you are having money problems, then let our heavenly Father know about it now. Yes, He already knows, but He appreciates hearing your sincere prayer. And don't reject His response! Humbly work at what you can until your plans for financial success begin to pay off.
Questions about this lesson? Feedback about this lesson?
Related Resources:
Managing Your Finances
Managing Your Finances in Tough Times: Five Steps You Can Take
Five Steps to Teach Your Children Money Management
How can I avoid credit card traps and eliminate debt problems?
What can I do to increase my job security in an uncertain job market?
Successful Failure
Getting Control of Your Money
The Debt Trap: How Do I Get Free?
Will Global Economic Turmoil Precede Jesus Christ's Return?
Your Best Investment for Financial Security