Sharing Some Exciting News


I trust you are doing well and enjoying this beautiful fall weather. I wanted to share some exciting news with you. As most of my friends know, I spent over thirteen years in the financial services industry, and sold my business in 2009. Over the past several years, I have had numerous job offers to come back into the industry and I have turned them down. After talking with Joyce, and after much prayer, I have decided to “partially” step back into the financial services field, and to that end, I have accepted a sales position with Rhino Financial in Greenville, who exclusively represents Family Heritage Life Insurance Company. Family Heritage is a Christian-based company run from Cincinnati, Ohio.

I will be primarily talking to families in my immediate area (meaning I am licensed in SC) about cancer. I know this isn’t the most pleasant subject, but it does affect a lot of families in our area, and when it strikes a family, it can devastate financially.

I’d like very much to share more with you. Could we get together over coffee?

Thanks. I look forward to hearing from you.

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Spring Cleaning for Your Finances


 

 

Spring Cleaning for Your Finances

 

 

As the temperatures climb and the days grow longer, many people start

Finance

Finance (Photo credit: Tax Credits)

thinking about “spring cleaning.” It’s time to wipe away the cobwebs of the
winter and welcome in the sunshine and warmth of spring.

Spring is a time of new beginnings, and this doesn’t just apply to our homes. It can also apply to our finances. Many people make the New Year’s resolution to get on a budget or to better manage their money, but most resolutions are forgotten after a few months.

Spring is a great time to get back into that groove of biblical money management.  When spring cleaning your home, you take a close look at those things that need cleaning or updating. Do the same with your finances.

Take a close look at your budget. Assess your present spending and look for areas that need adjusting. After the spending frenzy of the holidays is over, you can get a better idea of how much you actually spend each month. Keep track of your spending for 30 days and then use the Crown Spending Plan Calculator to make a budget. (Learn more about starting a budget here.)

 

 

As you are spring cleaning your home, you may find items that you no
longer need or that are outdated. As you are tracking your spending, you
may find the same applies to your budget. Assess spending for cable,
Internet, and phone service. Ask yourself if you really need all the
services you are paying for or if you could bundle your services or find
a better deal that would be cheaper.

Do you pay for a daily or weekly newspaper but hardly ever read it? Perhaps you could read the news online and cancel your delivery subscription. Save money on food by eating out less. Use coupons at the grocery store and use a weekly menu for meal planning.

 

 

Also, take a good inventory of your debt. Are you paying a high
interest rate on a credit card? Could you find a card with a lower
interest rate and transfer your balance? Also, look for areas in your
budget where you can cut back on spending and use the extra to pay off
those credit cards. Buy off debt faster by using a rollover plan to pay off your credit cards. Debt is an extra burden that we shouldn’t have to carry.

 

 

Need to generate some extra income? Look around your home for things
you can sell. Outgrown or outdated clothing items, sports or exercise
equipment, electronics, CDs, DVDs, old furniture, baby items, and
kitchen items usually have good resale value. Collect these items, clean
them up, and have a yard sale. Put ALL of the profits toward paying off
debt or funding your emergency account. You will generate extra income and free yourself of things that can clutter your home.

 

 

The final step in spring cleaning your finances is to get organized.
Misplaced bills can cost you late fees. Develop a good filing system to
keep up with your incoming bills and other important financial
information. Use products like the Bill Organizer to keep track or try using an online bill paying service. Crown Mvelopes and Crown Money Map Financial Software are great ways to track your spending online.

 

 

Before you know it, your spending plan will be running smoothly, and you will be on your way to true financial freedom.

 

 

by Crown Financial Ministries

 

 

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If you would like to have Crown Financial in your church or organization for a seminar or workshop, or if you would like to order Crown resources, contact Crown Associate, Brian Raines,  at brianraines@bellsouth.net

 

 

 

 

 

 

 

 

Biblical Principles of Borrowing


Biblical Principles of Borrowing

1739 Edition of Poor Richard's Almanac

1739 Edition of Poor Richard’s Almanac (Photo credit: Wikipedia)

Principles of borrowing appear in God’s Word, although it should be noted that principles differ from laws.

A principle is an instruction from the Lord to help guide our decisions. A law is an absolute. Negative consequences can result from ignoring a principle, but punishment is the likely consequence of ignoring a law of God.

An example that shows the difference between principle and law: the principle of borrowing given in Scripture is that it is better not to borrow if the loan must be taken with surety. “A man lacking in sense pledges and becomes guarantor in the presence of his neighbor” (Proverbs 17:18).

The law of borrowing given in Scripture is that it is a sin to borrow and not repay. “The wicked borrows and does not pay back, but the righteous is gracious and gives” (Psalm 37:21). The implication of this Scripture is that the wicked can repay but will not, as opposed to those who want to repay but cannot.

Principles are given to keep us clearly within God’s path so that we can experience His blessings. To ignore them puts us in a constant state of jeopardy in which Satan can cause us to stumble at any time.

Principle 1: Debt is not normal
Regardless of how it seems today, debt is not normal in any economy and should not be normal for God’s people.

We live in a debt-ridden society that is now virtually dependent on a constant expansion of credit to keep the economy going. That is a symptom of a society no longer willing to follow God’s directions. God told His people what He would do if they kept His statutes.

“Now it shall be, if you will diligently obey the Lord your God, being careful to do all His commandments which I command you today, the Lord your God will set you high above all the nations of the earth….The Lord will open for you His good storehouse, the heavens, to give rain to your land in its season and to bless all the work of your hand; and you shall lend to many nations, but you shall not borrow”

(Deuteronomy 28:1, 12). Borrowing is never God’s best for His people.

Principle 2: Do not accumulate long-term debt
It’s hard to believe that a typical American family accepts a 30-year home mortgage as normal today or that it is now possible in some cases to borrow on a home for nearly 70 years.

The need to expand the borrowing base continually forces longer mortgage loans, because expansion through taking on debt causes prices to rise through inflation. As prices rise, mortgages lengthen.

Today it requires from 40 to 70 percent of the average American family’s total income to buy an average home, even with a 30-year mortgage.

The longest term of debt God’s people took on in the Bible was about seven years.

During the year of remission, the seventh year, the Jews were instructed to release their brothers from any indebtedness (see Deuteronomy 15:1-2). Thus, the only debts that could exceed seven years were those made to non-Jews or from non-Jews.

Principle 3: Avoid surety
Surety means accepting an obligation to pay without having a guaranteed way to make the payments.

The most recognizable form of surety is cosigning a loan for another person. But surety also can be any form of borrowing in which an unconditional guarantee to pay is committed.

The only way to avoid surety is to collateralize a loan with property that, if sold, would cover the indebtedness, no matter what.

Currently Americans charge in excess of $400 billion annually on their credit cards, of which $50 billion or more is for annual finances charges, and they carry an average monthly balance of between $3,000 and $5,800 at 12 to 21.5 percent interest.

These credit card purchases have become the most common form of surety in America today. In a credit card transaction, one merchant sells a consumer a product and another finances the purchase, unless the credit purchase is with an in-store credit card.

In the event of a default, the return of the merchandise to the original merchant does not cancel the debt because the finance company has no interest in the merchandise purchased.

Principle 4: The borrower has an absolute commitment to repay
In this generation, situational ethics is widely accepted—so much so that it’s easy to rationalize not paying a debt, especially when the product or service is defective or when family financial situations seem to be out of control.

Unfortunately, many borrowers discover that it is possible for them to accumulate far more debt than they can repay and still maintain the lifestyle they want. As a result, they bail out.

Currently (2002 standards) over one million people a year now choose bankruptcy as a way to postpone or avoid repayment.

Nevertheless, in some cases voluntary bankruptcy is acceptable—but only in the context of trying to protect the creditors, never in the context of trying to avoid payment.

A Christian needs to accept that God allows no exceptions to keeping vows. “It is better that you should not vow than that you should vow and not pay” (Ecclesiastes 5:5).

Conclusion
Benjamin Franklin’s Poor Richard’s Almanac quotes, “Neither a borrower nor a lender be.” Although it is good common sense, it is not from God’s Word.

However, many Christians feel that all borrowing is prohibited according to Romans 13:8, “Owe nothing to anyone except to love one another; for he who loves his neighbor has fulfilled the law.”

To properly interpret this Scripture, it must be considered in light of the context in which it appears. In this particular reference, Paul was not talking specifically about money—teaching that we are never to allow people to do things for us if we are not willing to do even more for them.

Scripture very clearly says that neither borrowing nor lending is prohibited, but firm guidelines are given.

Borrowing is discouraged and, in fact, every biblical reference to it is a negative one. “The rich rules over the poor, and the borrower becomes the lender’s slave” (Proverbs 22:7). The scriptural guideline for borrowing is very clear. When you borrow, you promise to repay. Literally, borrowing is making a vow and God requires that we keep our vows.

by Crown Financial Ministries

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Brian Raines is a former Senior Financial Advisor for an international firm, and is now an associate with Crown Financial Ministries.  If you are interested in utilizing Crown resources in your church, school, or business, please contact Brian at brianraines@bellsouth.net

Fearing the Future


Fearing the Future
Crown_Logo

So, what’s in your future? No, this has nothing to do with horoscopes, but many Christians make financial decisions based on fear of the future, instead of trust that God will provide for them.

Fear of the future can cause families to forfeit the blessings of God, because they base decisions on the latest headline or stock market report. Too often, Christians give little thought to God’s ability to take care of them.

This doesn’t mean that we shouldn’t plan ahead to ensure financial stability for our families; however, when Christians find that attitudes of fear and worry are motivating financial decisions, they need to reevaluate their financial priorities, and recommit to trust in the Lord.

WITHHOLDING FROM GOD

Often, Christian families that are motivated by fear of the financial future will cut back on their tithes and offerings. Mistakenly, they see this as a first step in an attempt at financial stability.

Recent events such as U.S. relations with North Korea, war in Iraq, turmoil in the Middle East, gasoline prices, rising trade deficits, major layoffs, threat of terrorism, and an unstable economy, have caused many Americans to be concerned about the future.

The U.S. economic slowdown has the financial well-being of many Americans hanging in the balance. They worry about not having enough money to pay normal monthly bills, and the rash of recent mortgage defaults has devastated many families. Many Americans live so close to the edge financially that a prolonged economic downturn could put them in serious financial straits.

Despite all this, and even though many are very concerned about the financial future, consumer spending has not dropped proportionately. Actually, there has been very little change in the percentage of their income that Americans spend.

Still, there has been a shift in how the funds are spent. Less money is being saved and contributed to churches and charitable organizations, while more is being spent on credit card interest, recreation, alcohol, gambling (primarily through state lotteries) and pets.

This gives us good reason to pause and review what Jesus said: “For where your treasure is, there your heart will be also…. No one can be a slave of two masters, since either he will hate one and love the other, or be devoted to one and despise the other. You cannot be slaves of God and of money” (Matthew 6:21, 24).

The Bible says we are to honor God with the tithe — the first-fruits of our income. Keeping our financial vows to God is the way to ensure that we will not become victimized by a financial downturn.

Withholding your financial commitments to the Lord so that you can buffer yourself against potential future financial hardships will end up costing your financial security rather than guarding it, simply because God’s blessings will not be on such a self-imposed buffer.

FAITH CONQUERS FEAR

Hebrews 11:1 describes faith as something we hope for that we do not presently have. God’s plan seems to be that we have some needs so that we can develop our faith in Him. It is vital for us to view potential future financial needs as opportunities to exercise and develop our faith.

No Christian can truly serve God and live in fear of financial loss. Jesus makes it very clear in the passage from Matthew 6, that we must make a choice — either serve God or money, we cannot serve both. Fear of our financial future exhibits a lack of trust in God and in His provision. In other words, when we fear the future, we choose to serve the fear of financial loss, rather than to trust and serve God, Who has conquered all fear and holds the future in His hands.

WHOM WILL YOU TRUST?

We live in a materialistic society and generally base our priorities on desires and wants, rather than on needs. The perspective of what is actually a need is often clouded by what our materialistic society says we need.

Although God has promised that He will always supply our needs, He has not promised that He will supply all of the wants that society calls our needs. Even though we sincerely ask God to honor our request to supply the money to repair our microwave, automatic dishwasher or second car, His answer may very well be “no.”

You see, we may be asking with the wrong motives (James 4:3). It may not be the right time, according to God’s will and purpose (2 Corinthians 12:1-10). Or, it may be contrary to His overall plan (Acts 21:13-14). After all, we are to serve God, not expect Him to serve us (Job 41:11).

It’s a matter of “who’re you gonna trust?”

TRUST GOD

There are some important steps we must follow that will help us trust God completely with the present and the future.

— Find God’s direction for your life. Most frustrations that Christians experience are the result of trying to model their lives after someone else’s life. Instead, through prayer and study, find God’s will for you.

— Make a conscious effort to trust God. Put thoughts, words and commitments into action and trust God. Don’t buy on credit. Plan ahead and wait for God to supply your needs.

— Develop a long-range perspective. Trust God’s directives and His guidance (Matthew 6:34).

— Pray diligently. Prayer is the key that unlocks God’s blessings, power and direction (1 Thessalonians 5:17-18).

Although we are bombarded daily with events that can cause doubt concerning our financial future, we must never doubt that God is in complete control. Refuse to panic, and do not be governed by fear of the future. Keep your commitments and vows to God, pray without ceasing and trust your future to Him without reservation.

This article appeared on the Baptist Press Web site on October 24, 2007.

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Brian Raines is an associate with Crown Financial Ministries.  If you would like to have a Crown Financial event in your church, school, or business, or if you would like to purchase Crown materials, you may contact Brian at brianraines@bellsouth.net

 

 

Work-at-Home Programs


Work-at-home programs

English: A work at home at placed on public pr...

English: A work at home at placed on public property, with personal info blanked out (Photo credit: Wikipedia)

by Crown Financial Ministries

Beware of work-at-home schemes. “Would you like to earn hundreds of dollars a week at home, in your leisure time? Many people are supplementing their income in a very easy way. Let us tell you how.”

“Earn $9,000 per week working in your spare time in the comfort of your own home. No selling involved. No experience necessary. Call toll free 1-800-JOB-SCAM.”

“Be your own boss. For only $49.95 you can be on your way to employment independence. Have your credit card handy and call toll free today at 1-809-RIP-OFFS and begin making thousands, without ever having to leave your home.”

Offers like these might sound very attractive, particularly if you are unable to leave your home to work. However, be cautious of work-at-home opportunities, especially ones that promise you large profits in a short period of time. In essence, the more unbelievable the opportunity, the less likely it is legitimate. Although some work-at-home opportunities are legitimate, a great majority are not. Home employment schemes are among the oldest kinds of classified advertising fraud.

What many of these ads do not say is that you might have to work many hours without pay. There also may be hidden costs. A great many work-at-home schemes require you to spend your own money to place ads in newspapers, make photocopies, or buy envelopes, paper, stamps, and other supplies or equipment needed to do the job. The company also may demand that you pay a membership fee or make regular payments in order to get continued instructions or materials. Consumers deceived by these ads have lost thousands of dollars and have wasted their time and energy.

Two most common work-at-home schemes
Envelope stuffing. Work-at-home schemes come in all varieties, but the most common scheme over the past number of years has been envelope stuffing. Promoters of these programs usually advertise that, for a small fee, they will tell you how to earn money stuffing envelopes at home. Only when it is too late do you find out the promoter really has no employment to offer. What you are likely to receive for your fee is a letter telling you to place that same envelope-stuffing ad in newspapers or magazines or send the ad to friends and relatives. The only way you will earn money is from the people who respond to your work-at-home ad.

Assembly or Craft Work. The second most common work-at-home scheme is assembly or craft work. These programs often require you to invest hundreds of dollars in equipment or supplies or many hours of time to produce goods for a company that has promised to buy them. For example, you might be required to buy from a company the equipment and materials to make specific goods, such as plastic signs or baby shoes. However, after you purchase the supplies and equipment and perform the required tasks, the company does not pay you for your efforts. Most victims of this type of scheme were refused payment by a company because they claimed that the product did not meet their quality standards. Unfortunately, it is doubtful that the finished product will ever come up to their quality standards. Thus the victim is left with expensive equipment and supplies, with no income. In reality, those who produce goods in response to such ads usually must find their own customers.

Precautions against work-at-home schemes
If a work-at-home opportunity is legitimate, the company or sponsor should be up front and be willing to explain in writing at no charge what is involved in the opportunity. In addition, legitimate companies will let you “sleep on it,” after you have contacted them for information, rather than demanding that you make your decision immediately.

The following are some questions a person who is considering a work-at-home opportunity should have answered before he or she agrees to any work-at-home opportunity.

  1. What task or tasks will I be required to perform? Have a program sponsor list every step of the job.
  2. Will I be paid on salary or commission?
  3. Who determines when and how I get paid? Who will pay me? Get the name, address, and phone number of the person or department responsible for paying your salary and write them a letter requesting a return response. Ask for details about how and when you will get paid and what qualifying factors you must meet before you get paid.
  4. When will I get my first paycheck? Are there any automatic deductions other than FICA and taxes and, if so, how much and for what purpose?
  5. What is the total cost of the work-at-home program, including supplies, equipment, and all fees? What will I get for my money? Are supplies automatically renewed and deducted from my salary or commission or do I only receive what I order?
  6. Is there an existing customer base or do I have to find my own customers?
  7. Who pays for postage, mailing, and shipping?

How the program sponsor answers these questions should enable you to determine whether you want to be involved with that particular company’s work-at-home opportunity.

In addition to asking these questions, you should personally investigate the work-at-home program sponsor. The three things we advise anyone to do in checking out a work-at-home opportunity are to: (1) get the names of the principals and the home office of the company; (2) write or call the Better Business Bureau in the state where they are located; and (3) write or call the attorney general or the state securities office of that state. Ask if they have had any complaints filed against the company. All these things should be done before you make any decision to become a part of that company.

Already been victimized
If you have already spent money and time in a work-at-home program that you now have reason to believe might not be legitimate, contact the company and ask for your money back. Let the company know that you plan to notify state officials about your experience. If you cannot resolve your dispute with the company, the following organizations might be able to help you:

  1. The attorney general’s office of your state and the state where the company is headquartered.
  2. Your state and local consumer protection office.
  3. Your local and state Better Business Bureau, as well as the Better Business Bureau of the state where the company is headquartered.
  4. Your local postmaster. The U.S. Postal Service investigates fraudulent mail practices.
  5. The advertising manager of the publication that ran the ad you answered.
  6. The Federal Trade Commission. Although the FTC cannot help resolve individual disputes, the agency can take action if there is evidence of a pattern of deceptive or unfair practices. Contact them at (877) FTCHELP (382-4357) or online at http://www.ftc.gov.

Conclusion
In considering home business opportunities, you must be very cautious, since some organizations offering work-at-home business opportunities are not trustworthy. If they require an investment on your part, our advice is to stay away from them, especially if it does not fit within your budget. You might check with some of the larger churches or businesses in your community to see if they have any work you could do in your home. Other home businesses that have been successful include child care services, dress shops, consignment shops, bakery serving services, research, and typing and computer services. God knows your needs and the desires of your heart. Trust Him to show you the occupation that will fit your talents and needs and will honor His name.

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Brian Raines is an Associate with Crown Financial Ministries

 

Dealing With Pride


Dealing with pride
by Crown Financial Ministries

Once Christians are trapped by pride, they are not of service to God.

God will give us plenty of opportunities to recognize and correct this attitude. The difficulty most times is admitting that we actually have the problem.

Larry Burkett told the following story. “God gave me the opportunity to assess myself about pride. I was working on some important material, and a deadline was approaching when I received a phone call from a widow I was counseling. I was a little irritated because she had been in several times previously with relatively trivial problems (from my perspective). She asked if she could come in right away because she had a crisis in her budget (her checking account didn’t balance). I explained that I really didn’t have any time available and suggested another counselor we had trained.

“A short time later I received a call from a businessman who wanted to bring a celebrity by who was in town working on a movie. This person is so well-known that I knew it was a rare opportunity and I said yes. I had no sooner hung up the phone than the words of James came ringing in my ears. ‘If you show partiality, you are committing sin and are convicted by the law as transgressors’ (James 2:9). I found myself trapped by the most devious snare that Satan lays: pride. I had to call the businessman back and tell him I couldn’t meet with them until later and call my counselee back and ask her forgiveness.”

Symptoms of pride
In order to cure a disease, we must first be able to recognize its symptoms. They are the visible, outside indicators. Although we may not always recognize them in ourselves, others will. So it becomes vital for us to stay open to criticism, particularly from those who are spiritually discerning.

A haughty leader
“Who regards you as superior? And what do you have that you did not receive? But if you did receive it, why do you boast as if you had not received it” (1 Corinthians 4:7). Nothing points more clearly to a pride problem than an aloof leader. When Christians find that they only want to associate with the right people and look down at others because they’re less educated, less intelligent, or less successful, they are no longer useful to God’s work.

Selfishness
It is easy to rationalize an indulgent lifestyle in a society in which most people indulge themselves. It is a rare individual who can actually handle much wealth and keep his or her priorities straight. Today the motto is, “Live like the King’s kids,” but nowhere in Christ’s teachings did He direct us to do so. Poverty is not God’s norm, but neither is lavishness. “Those who want to get rich fall into temptation and a snare and many foolish and harmful desires which plunge men into ruin and destruction” (1 Timothy 6:9).

Conclusion
How do you break out of a pride trap? You must vow to serve God and God’s people, and then make yourself accountable to others. “Do nothing from selfishness or empty conceit, but with humility of mind let each of you regard one another as more important than himself” (Philippians 2:3).

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Brian Raines is a Crown Associate.  He is available to assist you with scheduling Crown Financial Ministries events in your church, school, or business.

 

God, Money & Your Faith


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God, money & your faith
by Crown Financial Ministries

Some pastors shy away from talking about money. After all, they might say, the church is about spiritual matters like getting souls saved. Absolutely — but then why do you suppose Jesus made such a big deal out of money? Many Christians are amazed to discover that He did.

The Bible has a lot to say about finances and belongings. I have researched God’s Word and found more passages about money and possessions than about heaven, hell or the Second Coming. The Bible offers more than 500 verses on prayer and fewer than 500 on faith — but more than 2,350 verses on money and possessions! There is no doubt that the church should have something to say about financial matters in the church as well as in the secular world.

Who you gonna serve?
Jesus said that you can’t serve God if you’re going to serve riches. “No one can be a slave of two masters, since either he will hate one and love the other, or be devoted to one and despise the other. You cannot be slaves of God and of money” (Matthew 6:24).

Churches may have their own agendas in respect to certain types of ministries. But every local congregation needs to provide opportunities for people inside the church and in the outside community to acquire biblical financial wisdom.

To that end, Crown Financial Ministries has a 10-week small group study that provides an in-depth look at scriptural teaching about money and possessions. Graduates discover that their marriages are strengthened, and individuals are finding their way out of debt. They also become consistent savers, generous givers and sensible consumers. Most importantly, people enter into a closer relationship with Jesus Christ as they learn to apply His Word in their lives.

In addition, Crown has hundreds of trained volunteer Money Map Coaches around the country who work with married couples and individuals, helping them achieve spiritual and financial freedom to serve Christ. They help individuals develop a personal budget, apply biblical principles of stewardship, build a plan to get out of debt and provide practical and Godly financial counsel.

You gotta have heart
There are great benefits of having a congregation full of financially healthy people — but healthy doesn’t have to mean wealthy. Some pastors may be hesitant to talk about biblical principles of finance and giving because they serve churches with blue collar, lower-income families. They might even envy their peers who pastor in suburbia with congregations of middle- or higher-income families. But, guess what? Giving really has little to do with amount, but it has a lot to do with heart!

In a Nov. 11, 2004 article, the Sun-Herald newspaper in south Mississippi told of an organization known as the Catalogue for Philanthropy that reported interesting statistics in their “2004 Generosity Index.” They found that New England states make more money but give less than other areas of the country. Southern and Midwestern states top off this generosity index, with the high level of liberality in these regions being attributed to the practice of tithing.

Based on the average adjusted income of residents, and the value of itemized charitable donations reported in 2002 federal tax returns, Connecticut had the nation’s highest average adjusted gross income at $64,724, but its residents donated $175 less to charity than the national average. So what’s the point?

Just this: Mississippi ranked as the poorest state in the nation but came in fifth in “giving,” and it consistently earns its place as “Number 1 giver,” because of the disparity between the income and charitable contributions of the folks in Mississippi. The average itemized filer in Mississippi reported $4,484 in donations in 2002, beating the national average by $1,029.

How about that — poorest state, biggest givers! It seems as though I recall someone once saying, “For where your treasure is, there your heart will be also” (Matthew 6:21).

What an appropriate time in the life of our country for believers to help those generous Mississippians, and others on the Gulf Coast, get back on their feet.

What do financial issues have to do with spirituality? Well, for one thing, you don’t have to be rich to be generous, and poverty isn’t the cause of tightfistedness. So the spirituality part all comes down to where your heart is.

And that’s exactly why the church needs to be equipping God’s people in our country and worldwide to learn, apply and teach God’s financial principles. Because then, believers can be liberated from the bondage of debt, so they may know Christ more intimately, be freed to serve Him, and help fund the Great Commission.

God, money, and faith — do you get the connection?

This article appeared on the Baptist Press Web site on September 21, 2005.

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If you would like more information about scheduling a financial group study in your church, school, or business utilizing the resources of Crown Financial Ministries, contact Crown Associate, Brian Raines at (864) 918-8025 or via e-mail at brianraines@bellsouth.net