From the monthly archives: September, 2015

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Are you tired of living on the financial edge?

Posted by Chuck Bentley Find me on:  Facebook Twitter I once heard poverty described as living on the edge of a financial cliff not knowing from day to day if you will fall over it and be destroyed.  This fear and uncertainty can grip the  heart of anyone who is living from paycheck to paycheck or juggling the stress of paying debt that is spiraling out of control or loosing a job with absolutely no margin to survive between jobs.   All of these are forms of poverty, they are also bondage that prevents you from achieving your God given purpose. Proverbs 28:19 says, “ Whoever works his land will have plenty of bread, but he who follows worthless pursuits will have plenty of poverty.” Solomon is advising us to do one thing and stop doing another. First, he says work your land. This is an admonition to get focused on what is at hand that will produce an income.  The second part of his advice is to stop doing what is a ...

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To Work or Receive Welfare? That is the question…..

Posted by Chuck Bentley Find me on:  Facebook Twitter I came across a fascinating article called When Work is Punished: The Tragedy of America’s Welfare State.  Essentially, here is what I learned.  “Gary Alexander, Secretary of Public Welfare, Commonwealth of Pennsylvania pointed out that ‘the single mom (on government welfare) is better off with earning gross income of $29,000 with $57,327 in net income & benefits than to earn gross income of $69,000 (in the private sector) with net income and benefits of $57,045.’ She looses about $300 total income and benefits to leave welfare and take a job paying $69,000 a year.” The moral of this story is that the American welfare system punishes work and incentivizes dependency. “At issue is the so-called ‘welfare cliff’ beyond which families will literally become poorer the higher their wages, as the drop off in entitlements more than offsets the i ...

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Today is a day of gratitude for Christian radio stations.

Posted by Chuck Bentley Find me on:  Facebook Twitter I was recently reading a book by the founder of this ministry, the late Larry Burkett.  Larry was inducted into the National Religious Broadcasters Hall of Fame because of his 20 years of faithful teaching on Christian radio.  However, there is something many of our broadcasting partners may not have known about him…Larry loved and appreciated Christian radio and its impact on his own life. Larry wrote before his death, “I have always been a late night person, but following my cancer surgeries sleep was particularly hard to come by. Because the pain prohibited sleep, one of the great blessings for me personally was to turn on my local Christian radio station. “With so much time on my hands, I really began to focus in on the music – probably more than any other time in my life. I was amazed at how much Christian music truly centers on the theme of the death and resurrec ...

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Should we as Believers sue a non-Christian?

Posted by Chuck Bentley Find me on:  Facebook Twitter We know that we are not to sue fellow brothers and sisters in the body of Christ, but what about non-Christians?   The Bible is not quite as specific, but just because God didn’t make it a “thou shalt not”, that doesn’t mean you or I should ever sue non-Christians. In Luke 6:30 we learn our attitude towards all people should be one of a willingness to give.  Listen carefully: “Give to everyone who asks of you, and whoever takes away what is yours, do not demand it back.” Did you catch that?  Everyone – that includes Christians and Non-Christians. It also is talking about theft here. When someone steals your possessions – do not demand it back.  I see a lawsuit as a legal demand. I’m not saying that we are to let people come and steal from us or that you should not expect people to obey the law, but that our heart at ...

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How can we reverse the avalanche of lawsuits we are seeing in America?

Posted by Chuck Bentley Find me on:  Facebook Twitter America is home to 80% of the lawyers in the world who handle 15 million civil lawsuits that are filed each year! Doctors now live as targets of endless lawsuits for malpractice and frivolous suits are filed for outrageous claims. A Florida minister and his wife sued a guide-dog school after a blind man being led by one of the dogs stepped on the woman’s toe in a mall. The sought $160,000 as compensation but due to the national ridicule they received, the suit never made it to court. We have all heard of these ridiculous stories, but they never seem to end. The Bible has a solution, that could change much of the out of control lawsuits we are experiencing.  I Corinthians 6:1 says, “Does any one of you, when he has a case against his neighbor, dare to go to law before the unrighteous?” The Apostle Paul gave this advice over 2,000 years ago. He said it is better to be defr ...

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Do you really put God first?

Posted by Chuck Bentley Find me on:  Facebook Twitter It is simple to say or think to yourself, “Sure, I put God first.” But let me ask this: Is He the first thing on your mind in the morning and the last thing on your mind at night? What if God looked at our use of time during any given day?  How much time do we really put into taking in God’s Word or even talking with Him?  Many times, we have good intentions, but very little is put into practice.  The man who invented most of the road grading equipment used in America was R.G. LeTourneau, an uneducated man with a sixth grade education. He was told by his own college-trained engineers that the equipment he designed would not work.  What they didn’t know was that every evening before he went to bed, he would study and meditate on God’s Word and spend the last 30 minutes of his evenings in prayer before going to sleep.  When he awoke in the mornings, h ...

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Shopping is an emotional experience… both good and bad.

Posted by Chuck Bentley Find me on:  Facebook Twitter According to Heather Gilmore, a writer for The Dollar Stretcher.Com, “Emotions can lead to the desire to shop or, on the other hand, shopping can lead to emotions. Shopping can be prompted by sadness, grief, loss, insecurity, guilt, and excitement.” Shopping can create a pleasurable experience making people want to experience the "high" again. The after-shopping experience can involve positive or negative emotions that can affect future decisions about shopping. A person might feel guilt over having spent more money than what they had set aside in their budget. This may then create an unsettling feeling during future shopping experiences. It may create an aversion toward shopping (a feeling like a person should not purchase needed things), which might make future spending less likely, or create such an increased feeling of guilt or shame that there is no desire to purchase anything in t ...

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Worried about your retirement before age 30? Yea, me neither.

Posted by Chuck Bentley Find me on:  Facebook Twitter Yahoo Finance recently carried a story of a young couple that was able to retire by age 30. After a mere 10 years of working as software engineers, Peter Adeney and his wife Simi had enough money to retire comfortably and debt-free. By being frugal, he was able to save 2/3rds of their combined take home pay. He thinks 50% is doable for everyone. "It really boils down to spending. Most people spend a lot more than they can afford while thinking they can afford it," he explained. There is a lot I like about this story. It should encourage us on the one hand that we are able to achieve our financial goals by being faithful and disciplined. On the other hand, I question why anyone would want to retire at age 30.   My goal is work all of my life.  While I enjoy down time, vacations and some recreation just like the rest of the world, I want to use the time I have on earth to make a differ ...

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Should you buy a car with Zero Percent financing?

Posted by Chuck Bentley Find me on:  Facebook Twitter   When a car dealer offers to loan you the money to buy a car at zero interest, it gets your attention. It sounds like a great deal, but a little checking shows that it might not be the best deal according to Dee Ann Durbrin, Auto Writer for the Associated Press. “Dealers can offer zero-percent financing through automakers' finance companies because, unlike banks, they make money on the sale of the car and don't need to rake in interest payments. Although zero-percent financing offers have been common in the last four years, that doesn’t mean that everyone will qualify.  Zero-percent financing is generally reserved for those with the very best credit. Experian Automotive, which tracks auto loans, says 7 percent of new car loans had an interest rate of 1 percent or lower in the first quarter of this year. By comparison, 29 percent of new car loans had interest rates of 2.05 percent and below. Before biting ...

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