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).

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


Fearing the Future

Fearing the Future

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.


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.


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.


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?”


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.


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



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.

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).

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).


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

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.


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

Symptoms of Financial Problems

Symptoms of Financial Problems

A credit card, the biggest beneficiary of the ...

Without question, family financial problems seem to increase dramatically during economic slumps. Are the financial problems caused by economic slumps? Generally not.

With rare exception, family financial problems have begun long before the economic slumps, perhaps as early as childhood.

Ignoring God’s Word
Usually families with financial problems only recognize the symptoms of the problems (such as unpaid bills) or the consequences of the symptoms (such as repossession of property). They seldom identify the real underlying cause of the problem.

Most of the symptoms of financial problems that families face in today’s society—business failures, foreclosures, bankruptcies, out-of-control debt, two-job families, and divorce—can be traced to a central problem of ignoring God’s financial principles as recorded in His Word.

It is likely that the problem was learned from parents who also had the same problems. “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” (Deuteronomy 28:1).

God’s financial principles and instructions are not complicated or hard to understand. They were designed to free His people from financial burdens and not to bind them with an unattainable set of dos and don’ts.

Unfortunately, though, since the mid-1950s God’s principles have increasingly been ignored by families who have adopted a get-rich-quick mentality by using easily obtainable credit to purchase “what I want, when I want it.”

The children of these 1950s and 1960s parents learned to buy on credit from their parents’ example.

Now, a generation later, we are reaping the burden of sown seeds of moderate debt in the form of overwhelming excessive debt.

It was Benjamin Disraeli (1804-1881), Earl of Beaconsfield, who said in an address before the British House of Commons on May 1, 1865, “What we do and allow in moderation, our children will allow and do in excess.” What better words can describe the primary cause of the downward financial spiral of families in our society?

Without a doubt, the lack of financial discipline in parents is reflected and amplified in the lives of their children and their children’s families.

Symptoms of financial problems
If parents do not operate on a budget, seldom will the children.

If parents use credit readily and make buying decisions based on the ability to make monthly payments, rather than on the initial price of items purchased, so will the children.

Once married and on their own, young couples attempt to duplicate in a few years what perhaps has taken their parents decades to accumulate. In order to accomplish that goal, they use credit, as they were taught.

Before long they have numerous assets, but the assets are all tied up in liabilities.

This debt burden causes many of these young couples to experience the following symptoms.

They no longer can pay the monthly bills. Once the credit cards have reached their maximum limits and other sources of readily available credit begin to tighten, financial pressure begins to build. Finally, in desperation, a bill consolidation loan is obtained. Usually within less than a year the credit card debts return, making the end result worse than the beginning.

More income is needed. More credit cannot be the answer, so logic says that more money is needed. Consequently, the wife usually has to go to work. When young children are involved, the result may be breakeven or less.

Buy to pacify the pressure. At this stage many Christian families try to pacify the financial pressures by buying something new or going on a “get away from it all” vacation. However, these usually have to be financed with credit, so again the end is worse than the beginning.

Divorce and/or bankruptcy. When financial pressure reaches the boiling point, with no apparent way out, either the couple takes it out on one another—resulting in divorce—or they file for protection under the bankruptcy laws in order to start over again. However, if God’s principles were not learned during the process, the same financial problems will be present in the second or third marriage or after the discharge of bankruptcy.

Preventive measures
Although symptoms of financial problems can be devastating, it is much easier for families to practice prevention rather than recuperation.

As such, there are four basic preventive measures that families can exercise to counterbalance unbiblical financial practices and to prevent the symptoms of financial problems.

Abstain from borrowing. “The wicked borrows and does not pay back, but the righteous is gracious and gives” (Psalm 37:21). Scripture clearly indicates that borrowing is not God’s best for His people and should never be used as a routine part of financial planning.

Saving. “There is precious treasure and oil in the dwelling of the wise, but a foolish man swallows it up” (Proverbs 21:20). In today’s society, spending and borrowing are promoted, and saving—in order to purchase with cash—is discouraged. It is more in keeping with God’s principles to save for future needs and purchases than to borrow or use credit.

Making hasty decisions. “The plans of the diligent lead surely to advantage, but every one who is hasty comes surely to poverty” (Proverbs 21:5). Patience and consistency, rather than quick decisions and instant success, are the ways to financial security. One of the best disciplines parents can teach their children is to work to reach a goal.

Develop a budget. “Poverty and shame will come to him who neglects discipline, but he who regards reproof will be honored” (Proverbs 13:18). Children should learn by parents’ examples how to develop and live on a balanced budget. If they don’t, chances are when the children have families of their own, they will continue with the cycle of debt.

If Christian families truly lived by sound biblical financial principles, they would not only be lights to show the way to financial freedom for their friends and acquaintances, but their children would grow up with the knowledge of God’s principles and how those principles should be used.

They in turn would pass on to their children what they were taught. With consistent teaching and discipline it would take less than a generation to break Christians’ financial bondage and free them to fund the work of the Lord.


Getting Out of Debt

With home mortgages, school loans, and car loans, young couples today may

Wipe our Debt

Wipe our Debt (Photo credit: Images_of_Money)

owe more than $140,000 within the first couple of years of marriage. This may seem normal to many, but God’s Word says debt isn’t normal, especially long-term debt (see Deuteronomy 15:6; Psalm 37:21; Romans 13:8).

Become debt free

If you’re already in debt, you can break the debt cycle with desire, discipline, and time. Using these five basic steps you can become debt free and stay that way.

  1. Transfer ownership
    God forces His will on no one; you must willingly surrender your will and possessions to God. Prayerfully transfer ownership of every possession to God – money, job, time, material possessions, family, education, and future earning potential (see Psalm 8:6).
  2. Give the Lord His part
    Once you’ve transferred ownership to God, give Him the first part, the tithe of gross income. If you withhold from God, it indicates that ownership hasn’t been transferred. Give Him freedom to work unobstructed on behalf of your finances – give Him the tithe – and He can give us His best.
  3. Allow no more debt
    Don’t use any more credit or credit cards until all existing debt has been paid. Pay with cash, check, or debit card at the time of purchase. Don’t borrow any more money from institutions, family, or friends until all indebtedness (home mortgage excepted) has been satisfied.
  4. Develop a realistic budget
    You’ll need a written budget that allocates percentages of Net Spendable Income into living expense categories – including repayment of creditors. Write to each creditor with a repayment proposal, but promise only what can be paid every month. Include a financial statement and budget that shows how much will be paid to each creditor.

    If you need to generate extra funds by working overtime or on an extra job, all money generated by the extra work must go to eliminate the debt for this to be effective.

  5. Retire the debt
    Pay extra on the debts with the highest interest rates. If all interest rates are comparable, begin paying extra on the smallest balance. After that debt has been paid, apply the regular payment as well as the extra money that was going to it toward the next highest balance. After the second is paid off, then the third highest and so forth.

No one who is financially bound can be spiritually free. Generally speaking, if these steps are faithfully followed, the average family can usually be debt free in about five years.

Accomplishing debt freedom can produce a radical change in lifestyle and a reevaluation of family values that can help prevent similar debt situations from recurring.


Brian Raines was a Senior Financial Advisor with an international firm for fourteen years. He is now the President of PHP Financial, a division of The Raines Organization, Inc., and an associate with Crown Financial Ministries. To schedule a no-obligation consultation with Brian, contact him via e-mail at

Father – Daughter Talk


English: Publicity photo of Robert Young and L...

Image via Wikipedia

This is how to tell if you are a liberal or conservative……How do you rate????


This is one of the very best posts I have EVER read where it gently
explains  the difference in thinking between people with opposite outlooks.

A young woman was about to finish her first year of  college.  Like so many
others her age, she considered herself to be  very liberal, and among other
liberal ideals, was very much in favor of  higher taxes to support more
government programs, in other words  redistribution of wealth.

She was deeply ashamed that her  father was a rather staunch conservative, a
feeling she openly  expressed.  Based on the lectures that she had
participated in, and  the occasional chat with a professor, she felt that
her father had for  years harbored an evil, selfish desire to keep what he
thought should be  his.

One day she was challenging her father on his  opposition to higher taxes on
the rich and the need for more government  programs.

The self-professed objectivity proclaimed by  her professors had to be the
truth and she indicated so to her  father.  He responded by asking how she
was doing in school.

Taken aback, she answered rather haughtily that she had a  4.0 GPA, and let
him know that it was tough to maintain, insisting that  she was taking a
very difficult course load and was constantly studying,  which left her no
time to go out and party like other people she  knew.  She didn’t even have
time for a boyfriend, and didn’t really  have many college friends because
she spent all her time studying.

Her father listened and then asked, “How is your friend  Audrey doing?”

She replied, “Audrey is barely getting  by.  All she takes are easy classes,
she never studies and she  barely has a 2.0 GPA.  She is so popular on
campus; college for her  is a blast.  She’s always invited to all the
parties and lots of  times she doesn’t even show up for classes because
she’s too hung over.”

Her wise father asked his daughter, “Why don’t you go to  the Dean‘s office
and ask him to deduct 1.0 off your GPA and give it to  your friend who only
has a 2.0.  That way you will both have a 3.0  GPA and certainly that would
be a fair and equal distribution of GPA.”

The daughter, visibly shocked by her father’s suggestion,  angrily fired
back, “That’s a crazy idea, how would that be fair!  I’ve worked really hard
for my grades!  I’ve invested a lot of  time, and a lot of hard work! Audrey
has done next to nothing toward  her degree.  She played while I worked my
tail off!”

The father slowly smiled, winked and said gently, “Welcome to the 
conservative side of the fence.”

If you ever wondered  what side of the fence you sit on, this is a great

If a conservative doesn’t like guns, he doesn’t buy one. If a  liberal
doesn’t like guns, he wants all guns outlawed.

If  a conservative is a vegetarian, he doesn’t eat meat. If a liberal is  a
vegetarian, he wants all meat products banned for everyone.

If a conservative is down-and-out, he thinks about how to better his 
situation. A liberal wonders who is going to take care of him.

If a conservative doesn’t like a talk show host, he  switches channels.
Liberals demand that those they don’t like be  shut down.

If a conservative is a non-believer, he  doesn’t go to church. A liberal
non-believer wants any mention of  God and Jesus silenced.

If a conservative  decides he needs health care, he goes about shopping for
it, or may  choose a job that provides it. A liberal demands that the rest
of us  pay for his.

If a conservative reads this, he will share it with his friends so they can have a
good laugh. A liberal will delete it  because he’s “offended.”

Well, I shared it with you.