Wisdom is Better Than Gold

Bouncing off the last post about the big rocks; I want to address the rock that is in hot pursuit by most contemporary Americans. Because our economic engine is fueled by capitalism and a competitive drive of free enterprise; we all tend to get caught up in how to make a buck. And that has distorted for us, what is of real value.

King Solomon says it this way in Proverbs 16:16 - "How much better to get wisdom than gold, to choose understanding rather than silver!" Which may not get us the King's pajamas, but it'll make us a whole lot more free. Since we do value freedom, I trust this concept may tweak our attention.

Most folks believe that if I just had more money...then I'd really be free to do all that I want - and then I'd be happy. For the immature, this is an understatement. But for those who have been around a few fence posts, like myself; it's just not true. The more you have; the more you're cursed with responsibilities that bind.

Example: The other night, I was walking down a road in our town where Christmas displays attract quite a following. It happened that it was an affluent street where I had grown up. While I sauntered along, much sentiment of the good ol' days pranced through my mind, filled with lingering memories of yesteryear when I was a child. Being so young, it didn't occur to me that we lived better than 95% of the world's humanity. Nor did I have a clue as to the demands of responsibilities that was the mantel of this lifestyle. It was a good gift and I do appreciate it. But now, with some maturity under my belt - I know the imposition it posed on the freedom I now have. I say this because it was a lot of busy work with lots and lots of seducing distractions. It's the kind of thing that keeps folks up at night, burning the candle at both ends trying to make the flow to make it go - round and round and round again. And my logic tells me, that rat race is not freeing!

See - I think that being somewhat exempt from worries, stress and binding responsibilities is, as the King pointed out, better wealth. Acquiring possession of eternally valuable legacies puts emphasis on wisdom and understanding - like the King said. Wisdom helps us to be discerning with sound judgment about day to day involvement. Understanding leads to peace for our soul. Think about how rich that is!

Given the state of our present economy, most of us will be cutting back in our spending for the holidays. So be it. If you have the big rocks in the jar; it won't be a killer of a problem. In fact, slowing it all down may give more time to enjoy our families, rather than be temporarily entertained with toys.

And that, mes amis, is a very good thing.

Big Rocks in the Jar

I always said two things to my six kids while they were growing up: 'remember who you are and who you represent'; and - 'get the big rocks in the jar first. Then the rest will fit'. It is a mystery. If we prioritize what is most valuable to us and pursue it with diligence; I trust we'll discover that we will possess what is most important. The less important things we'd like to see happen, do manage to fit. It goes back to a concept I got from a Bible passage in Mathew 6:33, 'Seek first the kingdom of God and His righteousness, and all these things will be given to you as well.' Spoken by the one known as the King of kings - the Lord Jesus Christ. Well, King Solomon said something similar in Proverbs 21:21, 'He who pursues righteousness and unfailing love finds life, prosperity and honor.' These are the big rocks of which I speak - rocks that are solid, eternal with a legacy that if we can acquire it; have true wealth.

These are the rocks that remain eternally long after were gone. And while we're on the earth; they make for a solid foundation on which to stand firm - especially when the challenges of life buffet harshly.

Consider the pursuit of righteousness. A man's reputation, his character with honorable traits that make up his character is all about who that person really is. Honesty, integrity and sacrificial unfailing love compose the kind character of whom I'm thinking. The kind of person we don't see too much of these days. This is simply my observation, given the current society in which we live where 'our rights' seem to be a dominant rock of pursuit. And I might add, is contrary to my point - building a person's character is a move away from selfish pursuits like 'our rights'.

So, how do we get back to the big rocks in the jar? I think it helps to slow down, see, and begin to be sensitive to others around you. Which is something that doesn't come naturally to us. We have to work at it and teach it to the next generation, living it by example.

Imagine if we had that kind of change to our country. It could be a good thing... a very good thing.

The Sins of a Nation Will Bring Her to Ruin

As I said in a recent post; we can have an inkling as to where Obama will lead us. And I don't believe it's a straight course to better times. But I reserve judgment knowing that anyone taking the helm at this time has their work cut out for them. King Solomon would say in Proverbs 14:34, "Righteousness exalts a nation, but sin is a disgrace to any people." When a nation's ignominy is exposed; it is not a good thing, folks. Let me define disgrace with more depth and what that entails: to become dried up in shame, like a piercing cold winter, silenced by harsh rebuke, under reproach to shrivel, shrink back, become small without esteem, influence or honor.

Anticipated actions by our president elect are terribly disconcerting and could be considered inherently wicked, defined as sin. (Since our education system for nearly a generation has negated many standards for absolute values through a curriculum of critical thinking; I'll have to make a stab at defining what is 'wicked'.) Apparently Obama is already throwing a bone to the radical left. His first actions of change will be to overturn some of President Bush's executive orders. Obviously for Barack, these are 'big rocks in the jar,' since it is his first order of business. That mandate will be to reverse the ban on funding (with our tax dollars) for abortions on foreign soil and embryonic stem cell research. I had a shiver down my spine when I heard this report and it's chilling to think where this will lead.

One reporter used the phrase, "fetal matter" to describe an embryo. Certain words attempt, I suppose, to distance ourselves from the reality of what this is - a human life. But I can't go that distance. Created life is a life, a miraculous gift that should be protected. King Solomon warns us in Proverbs 6:17, "...things the Lord hates...hands that shed innocent blood." I suggest that with these federal orders by our new president, of whom we elected; disgrace falling upon our nation would be putting it lightly. It's not gonna go well in the days ahead for our US citizens.

Some may think my supposition is ludicrous - to connect the dots of a nation's rise and fall relative to our leader's actions, righteous or not. If you don't believe in God, our Creator - I get that. But if you do, and many of you voted for this man to be our president, then you need to go here with me. This is not about religious beliefs, per se, as much as it is about unrighteous acts by those who rule a nation. It becomes problematic before God who has the whole world in His hands.

Anytime a ruler leads in a direction of evil, (that being actions that are contrary to the goodness of God) all the people under his leadership suffer. Given the fact that 52% voted for him, we can assume that many agree with these policies. This is also troubling for me. What Pandora's box have we opened, when cloning humans is allowed for the purpose of research? I feel like I'm watching a sci-fi horror movie. Or closer to reality; wasn't it in the name of research that Hitler did similar atrocities? Who makes the subjective selections - political correct thinkers? Opening a door like this can lead to just about anywhere when there are no concrete standards. Is no one disturbed by dissecting little tiny people? (I refuse to use language that desensitizes)

Education is bringing about a reality check in people to understand that we can support life with proactive options. Even the pro choice folks are shifting toward a choice for life on this issue - while protecting a woman's right to choose. But this president elect seems proactive toward abortion - not life. And that's a scary thing because it devalues individual lives, making them expendable for the common good. Are we getting a clear picture of Barack Obama's ideology? Redistribution of wealth is just one more facet of his beliefs, which by the way - if our bellies are full; will many turn a blind eye to this kind of carnage and, perhaps, similar kind in the future?

Suffice it to say...I very troubled, very troubled indeed.

A Friend Loves at all Times

Yesterday, a dear friend of mine lost her 8 year battle to breast cancer. She was young - she had not yet turned 50. Today I want to pay tribute to my friend, whom I dearly loved.

I knew my buddy for over 25 years. We met through our church experience during our mid twenties when a foundation of faith was laid. Diana and I raised our children together throughout those years and our faith matured. We served diligently our families and our congregation. We went on retreats and we laughed a lot. She had a great sense of humor, making for a chemistry that drew us together as close friends.

And there were many of life's challenges that perfected our friendship, confirming what King Solomon would say, "A Friend loves at all times, ..." Proverbs 17:17. I call them the battle scars that bond soldiers during war. We battled for our children when darkness crept into their lives; we battled for our marriages and we battled for those righteous causes that deemed a committed vigilance. We didn't always do it right; the wounds that a battle brings oftentimes causes one to stagger and wane. But three things always remained - faith, hope and love.

Admittedly our hope was dashed when our dogmatic ideals fell prey to reality. But that only served to perfect our faith - lacking in nothing. As Diana approached the finish of her race; she had hope. Hope for life - whether among the living or eternal life with our Lord Jesus Christ, the faithful one (as we oftentimes reminded each other).

In recent years, her favored milieu for church was running along the seashore, waves lapping at her feet and the presence of her Lord would meet her there. That was important and it was on that, her hope rested. I know He collected her and delivered her from death. I know that she entered into His marvelous light and presence, imbued with His great love. A great love that she always expected and for which she waited - sometimes not so patiently. I take comfort in that truth - her suffering is done.

Every time I think of her, I will remember her courage. As it was, I remember the call when she found the lump. On top of other battles waged; she was wearied and simply wanted to give up. I pressed her with reminders of that for which to live and she was inspired, taking courage to overcome this awful disease. And she did - for 8 years. Though it finally was her demise as it ravaged her body; it did not kill her spirit and she was victorious! Many things were accomplished within her soul as God's timing for the length of days is perfect. Conflicts were resolved and there was great peace before the end.

I will remember her laughter most because we did that a lot. Even when the hard truth was couched in her jest; she manage to smile without condemnation. Her head tipped and asserted, with an address that you knew what truth was coming, "Hey buddy, what were you thinking?" she would say. After which she'd proceed to discuss that pink elephant in the middle of the room that cramped everyone's style but no one wanted to talk about. She was stubborn like that. And she was a wiz at keeping a beautiful house with a gift for decorating that included a touch of generous hospitality toward all. I think perhaps, she had a hidden quest for that which should be in order, full of beauty, undefiled and esthetically pleasing. A very good thing in these chaotic times.

I will miss her - her energy, her laughter and her warm welcome - until we meet again.

A Man of Understanding Keeps a Straight Course

This time around was a crucial election. Frankly, I think it could be the end of free enterprise and a capitalist form of governing that has made this nation prosperous and what it is - good and bad. We definitely have lived well. But we have moved gradually toward socialism over recent decades. John F. Kennedy could be recognized as a conservative by some, were he alive today.

My disappointment with the Republicans have been that they've become more centrist - and with the Democrats, more leftist. If those kind of ideals had worked in other socialist nations; why have they not surpassed the US in prospering the general median of the populous or become a strong global influence of military power? As we're now fast losing some of that influence and economic prosperity; I think I have some idea how we got here.

I suggest that our weakening economy (and other chaos) has been due to our drift to the left in recent years. Not only in a political sense but a lenient moral climate as well. Though it appears to be a kinder approach; it only prolongs the illness whereby more are infected. For instance, Government cannot parent in social welfare endeavors. They're just no good at it. I don't understand why anyone out there thinks the government is better at deciding where our money should go, or whether our minor daughters should abort our grandchildren. And now, with the bail out; they're becoming bankers? Just wait 'til you see how a government hand administers universal health care - more like selective care. You gotta figure it'll discriminate based on political correctness. Now that's really scary. Wake up folks! We're handing over our freedom to Uncle Sam on a sterling platter (or by today's standard, I daresay, it's silver plated).

Understand that I'm a entrepreneur type of person. I believe in the American spirit that dreams big and does amazing things with that gift. Our freedom was bought with a price over our history - in blood! So what are we doing thinking that a socialist model works? King Solomon would say, "Folly delights a man who lacks judgment, but a man of understanding keeps a straight course." I'm not convinced that a Obama presidency will consider a kind of change we need. And with the upsets tilted toward the democrats in Congress - we're looking at the tools to make drastic legislative changes.

Some of you may think that my use of the word socialist is too extreme - especially since many want to break the barriers that would be historic, achieving important civil rights' milestones like electing a Black American president. And that is something of great significance. I get that. But understand - skin color doesn't make for sound leadership, white or black. Character, experience and ideology does. Obama doesn't adhere to a capitalist ideology; his voting record tells us so. So we can have an notion as to where he will lead us. Sadly, I'm not confident it's the straight course.

The Righteous perish, the Wicked Prosper

Prompted by my last post; I want to address the issue of fairness. I've come to agree with the wise King Solomon in the matter, "...a righteous man perishing in his righteousness, and a wicked man living long in his wickedness...is meaningless," Ecc. 7:15, (another chronicle reference of Solomon) The notion that things should be fair is a compelling inherent drive in humans. I say it's inherent because we seem (universally as human specie) to be born with it - contrary to other species, I might add, which allows me to argue a valid point stated in the last post. This is because we are made in the image of our Creator who is by nature righteous, just and fair in His precepts and judgments.

Unfortunately, this world is in rebellion to our Creator (God if you will) and as it has been held traditionally to believe; is the reason for so much evil, wickedness and tyrannical injustices worldwide from its most documented beginnings. So, there's going to be unfairness in this world - it is what it is.

So be it... Allow me to elaborate on my observation (and apparently King Solomon's). I want to address this because I hear a CONSTANT outcry by various voices out there - whether it be the general media or folks with whom I have dialogue; there's a resonate whining going on that things are "unfair". And having noted that - whatever the issue is - interpret that things should be changed based on "fairness". Might I suggest that when most of us cry for fairness; oftentimes, we have a self centered viewpoint. It is not rooted in what is justified, per se - but how it affects a person's life. Frankly, it sounds like a lot of kids on an elementary school playground that want what they want - and NOW!

An example of this is a proposition that's being put to the people in California. Proposition 8 on the ballot is the definition of traditional marriage being that which is the union of a man and a woman. The pro arguments are to protect the institution of marriage, which is fundamentally rooted in a religious status. If it was purely a civil liberties issue; we would have no reason for it because our constitution protects civil liberties for all concerned, including domestic partnerships that are registered. The problem here is that it guarantees our religious freedom, which is at the core of this proposition. Because the status of marriage is, not only a religious traditional partnership; it supports the viability of our human specie through natality and has benefit to our society. This makes for good legislation. Moral law is oftentimes legislated(appropriately so), protecting not only universal civil liberties but also supports viable benefit for societal needs. Legislation for the general public good (a majority) is sometimes influenced by religious traditions. Do not steal, murder or a number of other laws, for example, are rooted in fundamental religious platform, beliefs also held by a universal mindset. I argue that this premise supports viability of a society. To redefine marriage meaning something other than a traditional status of a man with a woman smacks in the face of religious freedom. By the way, it was a few (4) on a state supreme bench that thought otherwise - opposing a tremendous majority in California.

The opposition to Prop. 8 is that it's unfair. Well, life is unfair folks; it's full of discrimination. It rains on the righteous and the wicked. Some die young; some are born blind, weak or poor. It's all around us. Pragmatically, I embrace that universal reality. And I propose that because a supreme law is in order of it, which pre-empts unfairness; it can't be mandated through law. It must be inspired - and oddly enough, most times, is inspired from faith based organizations. The strong need to have compassion and mercy on the weak; those who have should be charitable, and those who would judge need humility. When the latter is inspired; it can be redemptive for humans that are problematically selfish - hence making remedy too, for the unfairness out there.

Back to the original point - to argue that something is unfair, isn't sufficient reason to oppose a piece of legislation (in my humble opinion). There is an apparent need here in California for this (and it will be for other states as well). The thrust of prop. 8 is because it protects the best traditional and natural model of societal viability and natality of humans. It's a no brainer really - that is if we humans want to survive as a thriving community. Civil liberties aren't inhibited by prop.8 for those registered domestic partnerships. We don't need to infringe on our religious rights by redefining marriage. Fairness has nothing to do with it - 'it is meaningless...'

Accurate Weights Are a Delight

King Solomon declares that 'The Lord abhors dishonest scales, but accurate weights are his delight,' - Proverbs 11:1. This concept can be applied in various ways. Trade practices in business are one such example. But I suggest that God desires fair playing fields in any arena - He is a just and fair Lord according to Solomon. And I think equal scales are something we can all appreciate. Perhaps it's even inherent to our nature - made in the image of our creator; we delight when things are fair and whine when they aren't.

I'm not whining but I do want to point out some current news that reveals gross unfairness, which stinks of unjust scales. My abhorrence is churning. It has now been confirmed in more than one state, additional voter registration fraud - to the tune of thousands of possible fraudulent votes in swing states, I might add. One candidate (Obama) is unequally favored by those doing the cheating. Aggravated by the impossible task of verifying these registrations (and many states have lax identification standards when voting) we may elect a guy by a false constituent. And that fries my bacon, people. I can rectify my vote being unrewarded, as the opposing candidate takes office, if it's done with a justified electorate. But this 'fly in the face', 'end justifies the means', kind of rationale by those supporters is despicable. And it doesn't seem to make big news either. I hear smatterings here and there, but none of the mainstream news seems to be reporting this magnanimous indiscretion. Which brings me to my second observation.

I've seen some bias in journalism in my day; but the coverage of this 2008 campaign for the White House has an unprecedented prejudice in favor of Barack Obama. It's quite stunning. The glamor, weighted polls, the shinning editorials, the passes by journalists from asking hard questions of him and articles, of which, (right down to framing the pictures) are not just creative - they're magical. To simply cry unfair is an understatement in my way of thinking.

This past weekend I saw a piece about a TV news anchorwoman, Barbara West (with a local affiliate out of Florida, WFTV) that pitched some hard ball questions to Senator Biden, which rattled him during the interview. I'm not so sure they were unfair questions as he claimed (later, Biden pulled all future interviews with the station, including his wife, Jill's). The Obama camp was reported to have been furious! But many of the American people have had these questions, making this interview newsworthy. Her Marxist inquiry was served well, in my opinion, as it referenced the heightened question by "Joe the Plumber" about taxing small businesses in his tax plan and prompting the 'redistribution of the wealth' answer from Barack. Hello - it is an ideal of Karl Marx! Perfectly legit, if you ask me. I wanna know!

Suffice it to say, the only inequity I see is the underpinning of Barack's candidacy by the mainstream media and Hollywood's glamorous darlings (as if they were expert voices to whom we should listen). It's troubling that we may elect a president with a false electorate. It's a shame that apparently, socialist ideals have made a compelling argument to the masses in a country that primarily prospered through the ingenuity of a free people holding to capitalist ideas. But hey - maybe things aren't as they seem. After all, perhaps the scales have been slighted a little...perhaps more than a little.

A Fraudulent Witness Will Be Punished

According to King Solomon, there are six things the Lord hates. In Proverbs 6:16-19 they are listed. Haughty eyes, a lying tongue, hands that shed innocent blood, a heart that devises wicked schemes, feet that are quick to rush into evil, a false witness and a man who stirs up dissension. Well, technically there are seven but several cover the same kind of thing - deception with malice and conspiracy. It's interesting to note that the parts of the body are listed, revealing a physical tool active in committing these various transgressions. We see in the eyes the demeanor of arrogance (motive), the tongue speaks lies, the hands kill, the heart conspires, the feet rush and so on. Notice that the whole body of a man stirs up dissension - belying the use of pretty much all the vehicles of action, which involves a deliberate effort. That's a perceptible metaphor.

Concerning the news that has exposed fraud on the part of those registering voters (namely A.C.O.R.N.); I suggest that the previous mentioned wrongdoings apply. The ACORN organization has clearly acted in serious misconduct that apparently used the tongue to speak lies, the feet to rush into evil with arrogance that conspired (in heart) to an end of biased gain. And it stirred up dissension, which is so widespread that the election boards of many, many counties across several states (last count was 14) may not be able to sort it all out by election day. If it looks like a duck and walks like a duck... THEY LIED TO PEOPLE. THEY SECURED KNOWINGLY, FALSE VOTER REGISTRATIONS. Their workers - who were hired? went out to meet quotas? What happened to volunteers for such generous, charitable kinds of support - those who are zealous with pure motivation for an ideal. Who decided it was a good thing to implement compulsive quotas to register voters? And then pay them? I propose that they aren't very bright - it's a no brainer to foresee the problems we have now. And shouldn't registering to vote be something every citizen consider an honored privilege with which the informed would seek to do? There's so many wonderful philanthropic organizations, which have tremendous support from volunteers that endeavor uprightly in their duties. What happen to those who serve purely? This coming from the party that boasts social welfare foremost - pro bono doesn't work anymore? Come on now people!

My point here is this: ACORN did some pretty atrocious things pertaining to our privilege to vote and should be called to account. Not just the individuals who did the deeds but also the higher ups that mismanaged, implemented and enabled these practices. Hold them accountable so we remove the incentive.

One more point. What's with all the recruitment for voting registrations anyway? After all, it's not hard to register. There are outlets to do so and we are given plenty of time. So if we have to give folks something for little or no effort on their part; do they appreciate it enough to be informed when casting their vote? I suggest that they don't. Just examine the registrations, with everyone from Micky Mouse to the Dallas football team who supposedly registered in Las Vegas. One guy confessed to registering 73 times for Pete's sake!

This is reckless disregard for our right to vote that was bought with a huge price. I remember when the voting age in California was 21 and our 18 year olds were drafted to go to war. You bet that the youth across our college campuses demonstrated until it was lowered and were granted a voice to determine such kind of policy. I heard interviews recently with many youth who couldn't tell you much about a political platform of a candidate or even recognize their picture - though most recognized Judge Judy. So stay home if it means so little.

In the meantime, prosecute the frauds and those who rush to do evil in this deed. The King also pointed out in Proverbs 19:5; A false witness will not go unpunished, and he who pours out lies will not go free. So be it...

Foolish associations bring harm.

Recently both campaigns for the US presidency has turned quite ugly with hateful pot stirring by one camp to profane mockery from the other. One can hear the fanfare at McCaine/Palin's rallies shouting out their anger that was reminiscent of a movie I recall from the 70's called 'Network', "I'm mad as hell and I'm not going to take this anymore!" Vindictive and incited to wrath, these folks are furious about two things: the legislative bail out of the banking failures and the journalist bias that seems grossly apparent. But on the other hand we have the Obama supporters ridiculing Palin in Sat. Night Live skits and parading around in profane 'T' shirts with slogans so ugly that they do not bear repeating. Not to mention the release of a Palin look alike porno flick now occupying the news. All this to make her look like a ditsy beauty queen rather than a viable candidate for VP. And we, the voter, are supposed to figure it all out so as to make an informative pull of the lever on Nov. 4th.

King Solomon suggests to us that the wisdom needed might logically be acquired with one simple observation. Proverbs 13: 20 says this, 'He who walks with the wise grows wise, but a companion of fools suffers harm.' Given this standard, I think it best to decide what is apparent foolishness and recognize who is among them. For example, the ridicule and mockery going on, as well as unrestrained anger could be considered foolishness. Setting that aside; I think we can determine what shows wisdom and who may grow in it by his/her associations.

Many are concerned that Barack Obama has or has had some associations that are a bit radical. Whether he's sitting in a pew for 20 years and 'not hearing' hate speeches made by his pastor, Rev. Jeremiah Wright; or his being naive about the terrorist activities of a colleague, Bill Ayers, in affiliations during his community organizing days - at the very least he lacks sound judgment. And isn't it prudent to question his having a financial advisor that just left an institution which is now bankrupt? Then there's his associations back in Detroit, where the Mayor Kwane Kirkpatrick (forced from office due to various crimes) who is on his way to jail along with another associate closer to home, Tony Rezko. Also in that mix is an old poker pal, Executive Larry Walsh, who served in the Ill. state senate with Barack and is presently under investigation. Apparently Will County was blessed with a number of federal grants after Walsh's lobbyists met with Obama. And need I mention the impudent Dorothy Tillman who seems to have had a curious alliance with Barack and makes the hate filled bigoted speeches from the Reverend sound tame. The following links give details of some of these associations:
http://cdobs.com/archive/our-columns/the-cat-in-the-hat-is-back-in-the-news,1811/

http://www.chicagotribune.com/news/nationworld/chi-oped1013krauthammeroct13,0,362544.story


I realize that some would argue that John McCain has had his fair share of shady associations too. That Keating thing - was it nearly 20 years ago already? Suffice it to say he had at least poor judgment. In the face of his own immaturity, political ambition and words; he conceded thus. Let's hope that his gray hair is well earned and is evidence of lessons learned. But just for inquisitive minds that need the satisfaction of more scrutiny since it is a matter of public record; here's a link that should exonerate as did the congressional ethics committee. http://www.azcentral.com/php-bin/clicktrack/email.php/8379816 ...


But I think in the Keating case, the waters of good judgment were muddied by campaign support funds (McCain was said to have received from Keating campaign contributions for his debut run to the senate). Perhaps this is why now, he's a repentant zealot about campaign reform - 'Fool me once, you're the fool; fool me twice...' so they say. The problem with Obama's associations however, (other than they're being extremist for most of the populous) they remain a mystery. Much of the explanations do not do the truth justice, I suspect. It's incredulous to believe that he had this many dubious connections without sharing similar ideology. I do think that association is important. Bad company corrupts good morals, kind of thing. Wisdom cries out for those with an ear to hear - discerning and observing who are the fools and who is truly acquiring wisdom. Connect the dots and then go pull that lever.

Pledging security

Stunned as I watched this past week a wall street scramble, plunging to record lows since 2003; I kept thinking about poor folks who bet their retirement, (and then some) invested in the stock market. Coupled with a few other factors that have contributed to our current crises; it's apparent we're in deep doo-doo.

Customary in my lifetime is to run businesses, households and personal affairs on revolving credit. I refer back to something I said a few posts ago...'Heck, I could've lived with a whole lot more, high on the hog, if I died with my all debts paid off.' The point is, we've grown accustomed to using the tool of credit day-to-day so as to have a bit more for a buck than a budget would allow. And I might suggest too, because credit consumption is generally inflationary on the economy; even those who want to be more prudent in their stewardship have become ensnared in debt due to rising costs of living.

King Solomon would warn us in Proverbs 22:26; 'Do not be a man who strikes hands in a pledge or puts up security for debts; if you lack the means to pay, your very bed will be snatched from under you.' Pretty scary stuff and it seems apparent for many, we may be seeing the latter happening.

I have had on my own initiative to get out of debt over the past few years and have sought out the most efficient way to pay it down. One voice suggested that I run my household like a business. I would borrow a fair amount of money, a secured low/no interest equity loan, pay off high interest cards as much as possible and leave room enough to pay all my bills with it each month. Then put all my income each month toward that equity line of credit - making sure that my income surpassed the outflow. The more significant the income, the faster the initial debt would be paid down because the interest applied each month would be accessed on less principal (depending on the values, it could be half the real debt). I confess my personal concern quivering in my own heart, risking the equity in my house to do this. But in theory, it's possible and businesses do this all the time. Borrow for all the expenses - payroll , inventory and all else and then as the income flows in; it's applied to that line of credit. No wonder then, if there's gridlock in provision of credit; everything comes to a slowdown - or more dreadfully put, a standstill. And this is what we're experiencing, folks.

Add to that a lack of confidence by those who risk capital in the market and we get what we're seeing, a panic on wall street. Sell, sell, sell. Aggravated in recent weeks by polls that predict a victory for the presidential candidate who wants to raise the capital gains tax; those rich investors are waiting in the wings, taking the gains hit now - before it goes up.

The ugly truth is that for years, we have enjoyed global markets that have potential profits of astronomical figures and it's all connected with big consequences too. Like a string of buoys in the ocean and then, some huge bolder of great density and pressure drives it down to the bottom - the others tied to it will follow. Global markets will be effected negatively by our problems here in the US and vise-versa.

So, it is complex, to be sure. Recovery will be complicated too, depending on policies adopted. Foreign markets, as I write this, look like they're shoring up with usury tactics, making it implausible for borrowers to have flow. Given a change in the White House, that too, will spell influencing policies yet unknown. And with the housing market in the dregs; (that being the equity underpinning much of it) many may see our beds snatched out from under us! Heaven forbid - let's hope not.

Following the money tells all...

King Solomon warns us in Proverbs 15: 27, 'A greedy man brings trouble to his family, but he who hates bribes will live.' Given the recent chain of events with the US economy; there's a growing inquiry of how this could possibly happen. Wasn't there someone noticing? Check out this link. Someone did their homework with this chronicled expose' and followed the money, the trail of bedfellows and bad legislation. I need say no more...
http://www.youtube.com/watch?v=1RZVw3no2A4&feature=iv&an=otation_id=event_597487

Woe to him who aquires unjust gain by usury

In Proverbs 28:8, King Solomon puts it this way: "He who increases his wealth by exorbitant interest amasses it for another, who will be kind to the poor." His prediction is that though one may amass riches through usury; it won't do a body good. His insight declares that it's unjust so it will pass to another who will steward it kindly to the poor. In other words, there is no posterity for him who benefits upon the breaking backs of those he has oppressed.

Today's congressional rescue package that earmarked funds from the federal treasury failed. One would wonder what this attempted bail out for the current credit crises would have effected our free enterprise economy. As the dow took a downward record plunge in the face of the legislative failure; I think we can expect more doom and gloom ahead. I'm no seer, but given that global markets are tied to our US market, we may see a global collapse as well.

What I do see though, are vultures waiting in the wings - they always are. Those who have cash ready to profit from losses of those unsuspecting and desperate. They buy up devalued assets, turn it around and exploit these distressed folks. Expect that in a free market, depending on the level of fear and desperation, usury will oppress and interest rates will go as high as the market will bear. I'm old enough to remember rejoicing about having a 30 yr. fixed mortgage at 8.5% interest because what was prevalent at that time was 14% - 17%. It was an ugly season for capital investments.

Relative to what the market will bear, how desperate people are and other factors that plays into it; I think we'll see a 'back to the future' kind of adjustment. Tighter policy on who borrows or qualifies for credit, higher down payments when buying and a return to higher interest rates. All spells a slow down in capital investments - the thing that makes the American dream become a reality for more people. But in order to mend a bleeding artery of our banking system; some serious changes in a consumer's ideology must occur.

Saving up to buy big ticket items, pay off debt, restraints on consumption of goods and services all seem wise in the face of the alternative: becoming enslaved to lenders and vulnerable to the vultures out there. This doesn't sound sexy and I realize my suggestion may trigger a deeper recession. But I'm concerned for us little guys out there who simply want to hang on to what estate we've acquired during a lifetime of labor, hoping to preserve an inheritance for our posterity. These are uncertain times that prompt wise responses to present trials.

And for those vultures ready to take prey; be warned. Immediate gain doesn't have longevity - it will pass to another who makes it right. Perhaps that's happening as we speak - a vindication against those who solicited and oppressed an unqualified buyer. A few years back, I saw the foreclosure monster lurking around the corner when the 'creative' lending practices extended into a new market for homeowners... ARMs, no downs, and (initially) no interest credit cards. Now I sense that we have a runaway train that is out of control.

I hope the congress can come up with a lucrative plan for the poor and needy. I hope it won't be an added burden on the US taxpayer. I hope it regulates the vultures out there and I hope it will manage to engage capital investments that are at the heart of true economic recovery with healthy buoyancy globally. And hope is all I have...because now, what little assets I have are grossly inflated and devalued.

The borrower is enslaved to the lender

Though I won't pretend to be an expert on the current economic fall out in the US; I will add my two cents worth to the swirling spins. Most of us, unless you've been in a cave, have heard about or felt the happening across the country. Whether you own a business, large or small, have a retirement account with a portfolio of dabbling in mutual funds, gambling big in short falls on the stock market, or are simply a home owner trying to stay employed to make ends meet - this crises has imbued on everyone with an all encompassing effect. And I don't see an end to it, with or without a bailout.

The blame game is somewhat amusing, I must say. Though there's certainly serious wrong doing on some one's part. Generally I think we as a nation are to blame because we cultivated our lifestyle with irresponsible tools for selfish gain (my minor children, who weren't working at the time, have been solicited to receive credit). Yet as I listen to the commentaries, the senator's speeches, the reporters and then a few more voices out there; it's clear to me the finger pointing is only a distraction. Most want to rest blame somewhere, thinking it may arrest the culprit or at least appease an angry victim. Like that's going to help matters...I don't think so. Frankly, there's so many contributing factors. So I think it best to suck it up, learn from our mistakes jointly and make better choices down the road. No pain, no gain...or more close to the point; if I touch a hot burner - I've learned not to touch it again. I just hope I don't lose my whole hand in the process.

But how do we do that with so many who will suffer, and more others ready to relieve their pain? Take for example the bail out with the government treasury. I think this band-aid is treating a symptom when surgery is necessary. We've been conditioned to consume, consume, consume - and borrowing is a way of life to achieve it. This has inflated everything to the point where now we need to have two working incomes in every household, postponed retirement and insurance for EVERYTHING. Let's not forget all those taxes we pay on all that consumption, either.

King Solomon would say in a nut shell; avoid borrowing. (Proverbs 22:7). Real freedom isn't found in an abundance of choices and opportunity to make them. But it's in the wisdom to know when to be prudent. Borrowing makes one beholden to the lender. And that's enslavement - hardly freeing.

I'm sadden to think it'll be at least a generation (or two) when a new upbringing may change things. That's after a total collapse and there are no other choices out of this pit but up. The bail out plan is perhaps a lesser of two evils at this point. Uncle Sam is the rich guy that can provide a loan big enough and is able to sit on it long enough until the market becomes viable again. But it's just more borrowing with the hope that the investment may pay off down the road. What did the King say exactly? 'The rich rule over the poor, and the borrower is servant to the lender'. That feels a little scary to me. Especially because the Congress, the Whitehouse, the US Supreme Court (let's not forget the Pentagon) have too much leeway for permeating corruption, gaining a ruling hand over me - no thank you.

Here's another thought. With banks having their butts covered; I think they'll dump those empty houses and pull the market down further. As I said before; it's time for surgery and not a band-aid and it's going to be painful.

Or, we could continue as we have with a cavalere way about things. Like someone once said to me, "If I died tomorrow with all my debts paid off; heck, think of all I could've had, high on the hog!"

Wisdom Cries Aloud

In the annals of King Solomon, recorded in the book of Proverbs, is a host of wise principles - those that sagaciously influenced his reign and named him the wisest king of all times. These inherent principles have proven timeless and universal, thus a guide post for humanity. I suggest this warrants a greater scrutiny of this benevolent gift from King Solomon - especially in the face of contemporary displays by humankind of licentious behaviour that lacks discipline, prudence, or aesthetic quality, which could be deemed as unwise.

My examination of the Proverbs will be an endeavor for personal devotions and meditation that is relative to current events. Hopefully, I will at least trigger some deliberation that may influence others to a higher standard and purpose. My expectations are to impact spheres of networking for a general good in our contemporary time. And I believe that is a beneficial thing, which is relevant today with a populous appeal.

Firstly, what is wisdom? Let me suggest that it is an inclination of far reaching insight to the consequences of choices made, having sound judgment and understanding for doing what is right, just and fair. It is that which gives one prudence, discretion and guidance for disciplined behavior. Yet directing deliberate action with a chaste response to situations that yield beneficial and profitable outcome for those who execute its mandates. I'm sure there's more to it than that but at least it's a start. In stating thus I'm convinced; we can't have enough wisdom.

The foundation of wisdom, so says King Solomon, rests on the fear of God. This may be problematic for some of you who don't believe in God. Don't throw the baby out with the bathwater just yet, thinking this isn't a worthwhile study. Sometimes, as when 'all roads lead back to Rome', (logically I propose); we may find housed within a study of wisdom, a revelation of the master of it. If there is a Creator of all things by intelligent design; then it's logical to deduct that He is the author of that direction for humans to live well. Wisdom is simply that credible direction by him who is veritable and desires for our success. By inherent nature; our creator would want us to have a thriving existence and posterity.

In this age there's an ever increasing abundance of knowledge available to human kind, but there seems to be no common sense in an application of it. I contend with the premise that having knowledge makes one smart or intelligent. Anyone can acquire information and spew it out for show and tell. It's like a hard drive with a host of files and documents but no software to drive the bits of information anywhere it'll do someone good. In fact, contrarily that's not smart - it makes one a fool. Even a simpleton with little knowledge can apply wisdom that does a body good.

Therefore I invite you to ruminate upon the Proverbs with me, making comments along the way, spurring us all on to become, at least, more wise - and then perhaps, successfully thriving in the greater scheme of things.

New beginnings

I become exhilarated with new beginnings. It's like cleaning a closet of all the clutter and finding that red dress I thought I lost at the cleaners. It conceives in me hope, which is motivating. Excited with new inspiration to thrive again; I can see things clearly and focus toward new objectives, aggravating better disciplines, rediscovering inner longings and dumping that which is obsolete for the present. To reiterate simply, I'm feeling it today, folks. Look out world - anything is on the table!

One thing that shores up courage to try new things (like starting a blog) is that it's so forgiving - that is, if you live in the present. The 'mercies of God are new every morning', kind of thing. Wipe the slate clean and step into it without oppression of past mistakes. And I really need and appreciate all that - especially the mercy. So to begin anew means forgiving what's behind...other people, wicked deeds that bring shame and of course, myself. Losing that load makes for more energy, empowering in the present to accomplish that which I dream for in my future. And why not? I only have just one trip around this fence post. Life is too, too short to get stuck in the groove of the familiar and what's 'comfortable'.

Which stimulates another thought about new beginnings. It's not comfortable. Though I may have motivation and energy to begin something new; stepping out into the unfamiliar is painful, kinda scary and at the very least, tweakful. Yes, I said tweakful...that which is done when a slight ping to your world gives way to a shaking. For most of us, even if it's just a little shake or a 'turn your world upside down' kind of shake - we don't like it.

But I do think the adventure of new beginnings, as I pursue its beckoning, out weigh uncomfortable effects. Whatever is kinda scary; I won't bother myself to look at that. Because like when riding a bicycle and I see a small rock in the path that I want to avoid; if I look at it long enough, you can sure fire bet I'm gonna roll right over the top and perhaps even topple over. Perhaps a better application is like when I'm set to score a goal in a soccer match. I may be aware of where the goalie is in the box, but if I focus on where the goalie isn't, (my target) I'm gonna score!

So this blog is part of a new beginning. I am a newbie at this so please be patient and grade me on a learning curve by which is inundated with mercy. I'm one of those hard heads that learn by doing - and from my mistakes; I get it best. Join me in this deliberation about your new beginnings and on any other given thought this blog inspires. I'd like to hear from you and thanks for your interest. God Bless...