Tag Archives: money / finances

Three crosses in sunset

Do Not Make Unwise Financial Obligations Part 2 of 3

Do Not Make Unwise Financial Obligations Here is the outline we have been working from:

Do Not Make Unwise Financial Obligations (Prov.6:1-5; 22:7).

I.) Performing A Self-induced Dilemma of Being Collateral for A Loan, vs.1-2.

      A) Being in the dilemma by being surety for a friend, vs.1a.

      B) Being in the dilemma by shaking hands with a stranger, 1b.

      C) Being in the dilemma by being snared by your financial agreement, vs.2.

II.) Perform A Self-Initiated Deliverance of Being Collateral for A Loan, vs.3-5. 

      A) Be persistent in delivering yourself in a humbling manner, 3b.

      B) Be persistent in delivering yourself in a hassling manner, 3c.

      C) Be persistent in delivering yourself in an hourly manner, 4.

      D) Be persistent in delivering yourself in a hurriedly manner, 5.

                1) Be in a hurriedly manner delivering yourself as a buck from a  hunter, vs.5a.

                2) Be in a hurriedly manner delivering yourself as a bird from a hawker, vs.5b.

Continue reading

Do Not Make Unwise Financial Obligations Part 1 of 3

Do Not Make Unwise Financial Obligations (Prov.6:1-5).

 

America is a nation of debt with Americans being a people who have mass amounts of debt. From our nation’s leaders down to the people who work behind the scenes at our favorite restaurant, we are a people who live off of credit cards, personal loans, lines of credit, and numerous other forms of debt. Our national debt that we will never pay off (don’t kid yourselves, many have bought into the deceptive lies of our government’s assurance of paying down the debt) is now calculated to be approximately 22 trillion dollars. Let me say that again. Our national debt that we nor our children’s children will never pay off is at 22 trillion dollars!

Mortgage debt was at almost 14 trillion in 2015. Personal household debt for the average homeowner is over $200k. A new report released by Go Banking Rates, which tracks interest and banking rates nationwide, found that the average American is more than $225,000 in debt with many having less than $500 in savings. Of this debt each American has over fifteen thousand in credit card debt. Fifteen thousand dollars!!! We are no longer the Home of the Brave and the Land of the Free. Do not make unwise financial obligations

Instead we are the home of the bankruptcies and the land of the fees! Rising bankruptcies year after year and fees of sundry sorts. Myriads of banker greed fees from loan application fees to ridiculous interest fees. The land of the fees!

Personal loans, personal lines of credit, credit cards, home equity loans, car loans, college loans, consignment loans, you name it, the list goes on and on. The paper required for the list of them would paper your home and then some! Sooner or later you are going to borrow money and or, you are going to be asked to cosign a loan for a friend or family member. Before you do consider what God has to say about becoming surety or collateral for another’s loan.

From both Biblical and secular history, we know that King Solomon was one of if not “the” greatest king Israel ever had. Many secular documents express the opinions of some of the great national leaders of his time. He was “the wisest of the wisest” and very commonly known for his wit. This man was loaded. His money had money. Bill Gates would have loved just the drippings from Solomon’s portfolio banquet. In Proverbs chapter six, God spoke through King Solomon addressing His thoughts concerning cosigning and becoming collateral for another’s loan.

“My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger, Thou art snared with the words of thy mouth, thou art taken with the words of thy mouth. Do this now, my son, and deliver thyself, when thou art come into the hand of thy friend; go, humble thyself, and make sure thy friend. Give not sleep to thine eyes, nor slumber to thine eyelids. Deliver thyself as a roe from the hand of the hunter, and as a bird from the hand of the fowler.” (Prov.6:1-5, KJV) Do not make unwise financial obligations

Here is the outline we will be working from:

Do Not Make Unwise Financial Obligations (Prov.6:1-5; 22:7).

I.) Performing A Self-induced Dilemma of Being Collateral for A Loan, vs.1-2.

A) Being in the dilemma by being surety for a friend, vs.1a.

      B) Being in the dilemma by shaking hands with a stranger, 1b.

      C) Being in the dilemma by being snared by your financial agreement, vs.2.

II.) Perform A Self-Initiated Deliverance of Being Collateral for A Loan, vs.3-5. 

      A) Be persistent in delivering yourself in a humbling manner, 3b.

      B) Be persistent in delivering yourself in a hassling manner, 3c.

      C) Be persistent in delivering yourself in an hourly manner, 4.

      D) Be persistent in delivering yourself in a hurriedly manner, 5.

                1) Be in a hurriedly manner delivering yourself as a buck from a  hunter, vs.5a.

                2) Be in a hurriedly manner delivering yourself as a bird from a hawker, vs.5b.

III.) Perform A Sure Determination Not to Borrow Loans from Others (Prov. 22:7).

       A) The bountiful rule over the lacking, 7a.

      B) The borrower is slave to the lender, 7b.

 

Do Not Make Unwise Financial Obligations (Prov.6:1-5).

I.) Performing A Self-induced Dilemma of Being Collateral for A Loan, vs.1-2

      A) Being in the dilemma by being surety for a friend, vs.1a

The first thing we heed from God’s warning through King Solomon is that we cause a self-induced dilemma when we become surety for a friend. “My son, if thou be surety for thy friend...” The verb for surety means to be liable for or to take on another’s debt. It has the idea of making a pledge. In this situation the person creates his dilemma by pledging or cosigning for another’s debt. We create our dilemma by being surety for a friend and then by shaking hands with a stranger. Look again at our text. Do not make unwise financial obligations

      B) Being in the dilemma by shaking hands with a stranger, 1b.

“My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger,” Stricken thy hand carries the notion of a consummated agreement. It would be equivalent to our modern time of shaking hands after a deal is made. Of course, handshakes nor a gentleman’s agreement means very much today, does it? Integrity is a word used only to promote one’s self or used commercially to push a product down the greedy financial holes of the public. From the lies of one of our past leaders to the lies of most politicians today, integrity is a very, very lonely moral.

We create our own dilemmas when we become surety for a friend’s loan and by pledging on behalf of another and consummating the deal. Solomon then gives a third reason we create our own dilemmas when we cosign a loan on behalf of another. We become snared or trapped by our words.

      C) Being in the dilemma by being snared by your financial agreement, vs.2.

“My son, if thou be surety for thy friend, if thou hast stricken thy hand with a stranger, Thou art snared with the words of thy mouth, thou art taken with the words of thy mouth.” The NIV version translates this verse as follows: “you have been trapped by what you said, ensnared by the words of your mouth.” King Solomon uses hunter’s terms for catching game. He will refer to animals and hunters again in another couple of verses. Do not make unwise financial obligations

We are emphatically warned not to make financial pledges in order to prevent ourselves from becoming financially and emotionally trapped just as animals who fall for the prey set in traps to ensnare them. What they thought would be good for them leads to entrapment with no way out. Don’t let greed trap you into being snared with the cords of financial strain to appease an instant gratification. Run away from the traps of debt. Again, do not make unwise financial obligations that lead to entrapment.

Making a financial pledge on behalf of another:

- shows a lack of understanding. Proverbs 17:18 states: “A man void of understanding striketh hands, and becometh surety in the presence of his friend.”

- can bring about emotional and financial suffering. Proverbs 11:15 reveals, “He who is guarantor for a stranger will surely suffer for it, But he who hates being a guarantor is secure.” (NASB)

- causes the borrower to become subservient to the lender. Proverbs 22:7, “The rich rules over the poor, and the borrower is servant to the lender.” (KJV)

-can bring about devastating financial loss. Proverbs 22:26-27 warns, “Be not thou one of them that strike hands, or of them that are sureties for debts. If thou hast nothing to pay, why should he take away thy bed from under thee?” (KJV) What could be more important than one’s cloak which also was his bed for the evening? Prevent catastrophes and unnecessary burdens befalling you by not performing a self-induced dilemma of being collateral for a loan. However, if you do then God wants you to perform a self-initiated deliverance from this obligation as fast as you can. Do not make unwise financial obligations

This has been part one of a three-part series. Next time we'll pick up here where we left off.
Let’s go to church this Sunday. These are certainly troubling and uncertain times that we live in. From the ever growing national debt, to corrupt, lying, greedy politicians, extremist’s terrorists, slipping moralities to God only knows what’s next. I never in my wildest dreams thought there would be a national debate over sex gender and bathrooms! I don’t remember when people had such a low opinion and dismal outlook about our country and where it is headed. Very few people that we come in contact with on a daily basis have a very positive attitude.

Both born from above and the un-regenerate, very few! This great nation of ours is on a speeding train of declination. The train is on a track to degradation and she is picking up steam: fast! Ole Uncle Sam needs a revival. From Bubba and his administration in the White house right down to the kid behind the counter at McDonald's. We need a fresh awakening from the Holy Spirit of God. America needs another outpouring of the Holy Ghost as was experienced by the first century Church.

Come join our pastor, our church and me in praying for revival. Won’t you join me today and start by carrying ourselves and our loved ones to church. I need church, you need church, your family needs the church! If you are in the Clay county area of North Florida come worship with us at Harbor Baptist church located on the corner of Clay Street (1120) & US Hwy 17, Fleming Island, FL. Morning worship is at 10:30 and we meet Sunday evening at 6:00 p.m.

Better yet, come join our group for Bible study with the adults. I lead the adult class entitled: “Harbor Haven, for pairs and spares”. (For couples and singles) We meet @ 9:14 in the main room of the education building. This is the building located right next to the church. We would love for you to come and fellowship with us around the Word of God. And feel free to bring a guest. Whether you attend the worship service or choose not to, we hope to see you there!

We pride ourselves with being a smaller church with the big difference. I don’t believe you will find another fellowship of believers who have a greater love for God and as a result of His love for us, we have love for one another. You’ll find me and my family there, come visit, both you and our church will be glad that you did!

I am happy to speak on behalf of our Lord Jesus Christ in the North Florida area. I am a conservative, evangelical, fundamentalist teacher whose doctrinal beliefs align with those of the Southern Baptist Convention. My doctrinal views are listed in the menu section of this site. If your pastor is sick, has a sudden emergency or needs a vacation, I am happy to fill in for him. You can contact me by email at: michaelrosenbarker@gmail.com

 

Having A Heavenly Perspective About Money Part 1 of 2

faith-obedience-image

Having A Heavenly Perspective About Money. Proverbs 23:4-5; 30:5-9

“Labor not to be rich: cease from thine own wisdom. Wilt thou set thine eyes upon that which is not? for riches certainly make themselves wings; they fly away as an eagle toward heaven” (Proverbs 23:4-5, KJV).

I.) A Warning Concerning the Pursuit of Wealth. vs. 4-5

         A) A practical reason to cease laboring for wealth, vs. 4a.

        B) A philosophical reason to cease loving wealth. vs. 4b.

        C) A problematical reason to cease legitimizing wealth, vs. 5.

“Every word of God is pure: he is a shield unto them that put their trust in him. Add thou not unto his words, lest he reprove thee, and thou be found a liar” (Proverbs 30:5-6, KJV).
Continue reading