Verse of the Day

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Here’s today’s verse of the day:

7The rich rules over the poor,
And the borrower is servant to the lender.

Proverbs 22:7 (NKJV)

Some wise words indeed from King Solomon and so true. When you look at society today, this country is definitely a debt nation. The savings rate continues to be negative which means that the American people are spending more than they’re saving. That’s not good and it’s hard to shake especially when we’re surrounded by it and it’s so engrained in the culture.

All I have to say is that you don’t have to “keep up with the Jones’s”. You have to fight the temptation to show off with your possessions because we came into this world with nothing and we will leave it with nothing as well. I would rather have money saved up and not have to live paycheck-to-paycheck than to “act like” I have money by borrowing, borrowing, and borrowing. Examine your assets. Do you really own anything? The title to your car and house has your bank’s name on it. The borrower is truly slave to the lender and until we get out of this mentality to spend, spend, spend, we as a nation will continue to be in debt. I mean, the government can’t even get out of debt and that just goes to show you that it is really part of this culture today.

Now I’m not saying that all debt is bad. I’m in the camp that says there’s “good debt” and there’s “bad debt”. Taking out a loan to pay for your education is good debt. Taking out a loan to buy a party boat to show off to friends is bad debt. I think that taking out a mortgage on a house can be good debt just because of the skyrocketing real estate prices in some areas. As long as you’re living below your means and buying a house that’s relatively affordable, owning a home can be the best investment you make. But if you can’t afford the payments with a 30-year fixed rate mortgage, you can’t afford that house. It’s generally unwise and risky to take out these interest-only loans and adjustable-rate- mortgages. Just don’t do it.

So next time you apply for a loan, remember that you are slave to the lender for the life of the loan. Not all debt is bad but make sure you really need what you’re trying to buy and that your investment will pay off some time in the future.

No Greater Love on Valentine’s Day

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Here’s a bonus Valentine’s Day Verse:

13Greater love has no one than this, than to lay down one’s life for his friends.

John 15:13

As you go about your day on the “day of love” remember that the greatest love was when Jesus came to this earth, died for our sins, and rose again from the dead to give us eternal life in heaven and abundant life here on earth! Jesus is love!

Verse of the Day

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Here’s today’s verse of the day:


8“Will a man rob God? Yet you have robbed Me! But you say, ‘In what way have we robbed You?’ In tithes and offerings. 9You are cursed with a curse, For you have robbed Me, Even this whole nation. 10Bring all the tithes into the storehouse, That there may be food in My house, And try Me now in this,” Says the Lord of hosts, “If I will not open for you the windows of heaven And pour out for you such a blessing That there will not be room enough to receive it. “And I will rebuke the devourer for your sakes, So that he will not destroy the fruit of your ground, Nor shall the vine fail to bear fruit for you in the field,” Says the Lord of hosts;

Malachi 3:8-11 (NKJV)

This is the classic Bible passage on tithing in today’s churches. Many people aren’t taught correctly on tithing or aren’t taught at all. The word “tithe” literally means “a tenth”. Generally, tithe is 10% of your income given to your “home church” where you’re being fed spiritually. Offering is anything that’s above and beyond the tithe. This can be given to your home church or to any other ministry as an offering to God. This is not about being legalistic and religious. It should be out of worship that you give to God. Whether it be singing, time, or money.

It’s just that “where your treasure is, there your heart is also”. Where you spend your money shows where your heart lies. This passage talks about robbing God by not giving Him tithes and offerings. If you have the perspective that God owns everything anyway, and all He’s asking for is ten percent, it turns out to be a great deal. 100% of your money doesn’t go as far as 90% of your money that’s blessed by God.

This principle of tithing comes with it a two-fold promise. That God will “open up the windows of heaven and pour you out a blessing” and that He would “rebuke the devourer…that he will not destroy the fruit of your ground”. In other words, God is going to bless you. He’s going to make sure that you’re taken care of. And He will also bless your labor and work which is what is implied by “the fruit of your ground”. The work of your hand will not go in vain and it will produce in your life!

So next time the offering plate, bucket, etc. is passed around at your church, remember the two-fold blessing that accompanies the tithe and offering! God Bless!

Verse of the Day

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Here’s today’s verse of the day:

1And He looked up and saw the rich putting their gifts into the treasury, 2and He saw also a certain poor widow putting in two mites. 3So He said,“Truly I say to you that this poor widow has put in more than all;4for all these out of their abundance have put in offerings for God, but she out of her poverty put in all the livelihood that she had.”

Luke 21:1-4 (NKJV)

I love this story about the widow and her 2 mites. It’s one of the best examples of giving in the New Testament. This verse is especially important because it’s Jesus speaking. This widow gave a seemingly insignificant amount into the offering. One mite is worth about a half-penny today. So she basically put one penny into the offering! If you put in a penny into your offering at church, they might look at you funny!

But think about it. Jesus said that the widow “put in more than all”. How is that possible? She “only” put in a penny’s worth. Isn’t it amazing that Jesus looks at your circumstances and your heart in your giving. He knows ifyou’re giving out of abundance and just “tipping God” or giving out of poverty. Just remember next time you give, that it’s not necessarily the amount that you give but the motivations and intent of your heart. Remember that God loves “a cheerful giver”!

Who is The Millionaire Next Door?

Here’s an interesting book that I’ve read recently:

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The Millionaire Next Door
From Library Journal
In The Millionaire Next Door, Stanley (Marketing to the Affluent) and Danko (marketing, SUNY at Albany) summarize findings from their research into the key characteristics that explain how the elite club of millionaires have become “wealthy.” Focusing on those with a net worth of at least $1 million, their surprising results reveal fundamental qualities of this group that are diametrically opposed to today’s earn-and-consume culture, including living below their means, allocating funds efficiently in ways that build wealth, ignoring conspicuous consumption, being proficient in targeting marketing opportunities, and choosing the “right” occupation. It’s evident that anyone can accumulate wealth, if they are disciplined enough, determined to persevere, and have the merest of luck.  Highly recommended. Dale Farris, Groves, TX
Copyright 2001 Reed Business Information, Inc.

 It’s a very interesting study into the millionaires of America. They’re not what you may think or see on the “Fabulous Life of the Rich and Famous”. I’ll have my own full review in a little while. In the meantime you can purchase this excellent book:
The Millionaire Next Door