Wealthy but unsuccessful

Being wealthy does not necessarily make you successful.

There are many wealthy people who are woeful failures.

It is better to be poor but successful than to be rich but unsuccessful.

The best thing, however, is to be both wealthy and successful.

Your dream should be to be rich and successful.

It is tragic to be wealthy but unsuccessful.

That could mean you have worked so hard for nothing.

This may happen when you use dirty methods to acquire your wealth, or when you use honestly acquired wealth for evil instead of for good.

Using unscrupulous methods to acquire riches makes you a woeful failure weather you are exposed or not.

You are merely an elephant standing on sandy feet or a storey building on a mud foundation.

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The Three Ghosts of Christmas

Behold, the joy of the holidays – giving and receiving, is upon us! It was just a week before Christmas that Charles Dickens published A Christmas Carol in the year 1843. The many books this author wrote reveals his deep Christian faith and the principles of a moral life. His most infamous character, Scrooge, is the story of a heart transformed, or should we say re-born? It’s no wonder Dickens called this work-of-art his “ghostly little book,” for Christ reflects all over the pages.

If we analyze the character of Scrooge, like ours, we see the light and darkness of life, salvation, and a second chance of God’s blessings. Three spirits visited him: The Ghost of Christmas Past, the Ghost of Christmas Present, and the Ghost of Christmas Yet to Come. Let’s begin with the first spirit…

Our Ghost of Christmas Past

The Ghost of Christmas Past reflects on Scrooge’s younger years. Similar to us, there is happiness, sorrows, and perhaps even regrets. We struggle to find the true meaning of life. Where do we fit in, and what is our purpose? We work so hard to achieve comfort, security, and the American dream. However, we avoid suffering and challenges to preserve our dignity and self-worth. Soon, it becomes clear those ghosts will eventually reappear to haunt us later in life. Just as Scrooge learned, bad decisions leave us fearful, confused, shaken, and empty, and we carry them into the rest of our years.

Our Ghost of Christmas Present

Scrooge is now absorbed by the worries and burdens of wealth. Consumed in running his business and providing for his own needs, he cared little about others. His happiness equated to money and possessions, but ironically, he is the most unhappy character. Our Ghost of Christmas Present opens the door to glimpse how quickly we alienate friends and family with self-centered actions of greed. The lack of helping others in need placed Scrooge in the category of being a miserly, old man. How would others see us too?

Many characters in The Christmas Carol opened their hearts to Scrooge. His nephew, Fred, encouraged him to be a part of his life and home, even at Christmas. Scrooge grumbled, “Bah humbug.” His employee, Bob Cratchit, wanted him to participate in fundraising for charity. Still Scrooge quickly snubbed such a crazy idea. Cratchit tried to make him see that joy should come from our treasures – family, friends, life, and love – not material goods.

The characteristic of imprisoning ourselves with possessions, if we don’t share with our neighbors, is synonymous with a lack of love and compassion for others. Jesus warns us in the Bible we can’t take earthly things with us when we pass from this world. So what’s the point of it all?

I have a revelation to ponder… what if God only gave us our blessings to give to others who really need them? What if they were not meant for your exclusive pleasure?

The joy of Christmas should reflect a smile of happiness when someone receives a gift of love, yes? I know many say that presents are not what the reason for the season is about, am I right? Jesus was our gift from God. He walked the earth to teach us how to live graciously, godly, and always to serve others. What better time than the season of giving, to follow in His footsteps?

Scrooge realizes his selfishness and sins, and a change soon comes.

Our Ghost of Christmas Yet to Come

Scrooge’s “conversion” points to finding his salvation based on redemption and charity. He walked the streets with a smile, greeted everyone, helped beggars, and glowed the love of God. Though many were apprehensive of his attitude change, they discovered some significant event, indeed, altered his life. Isn’t this how everyone, one day, falls into God’s grace? We realize this life is more comfortable in a relationship with our Savior. When we break our own mortality, our hearts soften for others.

Christ gave Scrooge a second chance to make it right, and He does this for us too! Our life should be a journey of service to the Lord.

“My grace is sufficient for you, for my power is made perfect in weakness.” 2 Corinthians 12:9

www.danabicksauthor.com

May everyone be blessed with a beautiful Christmas! Give and receive with a gracious heart to your family, workplace, and community. It is the three ghosts commandment – the Father, Son, and Holy Spirit!


Need a special Christmas Gift? Purchase your book today at Amazon, Barnes and Noble, Books-a-Million, Walmart, and all online establishments!

What is money meant for?

I have looked at money
And I have done so
For a long time;
I have discovered
That money has power;
Human beings love money;
Or to put it better,
Human beings adore money;
And so they do everything
To get it;
By everything, I mean
Everything humanly possible;
Nothing is left out;
Once you go for money,
And start to accumulate it,
It is hard to stop doing so;
Money is, by all standards,
A good commodity;
Theres no doubt about that;
Many are using it for good,
And that is in the world;
But it is also dangerous;
If it can destroy;
It can also cause damage;
Too great and hard to describe;
Therefore, if you say
Money is a double edged sword,
You will not be far
From the truth;
In good hands
It can do invaluable good;
In bad hands
It can do untold harm;
We must pray for money;
Not for money accumulation
But that it may go
Only to people
Who will use it for good;
And not for evil
In the world.
Use money for good;
To make the world better;
Not worse.
That is what it is meant for.

Serving God’s Purpose

I hated to see my leftover coffee go to waste, so I sipped on it and waited on the Lord to give me this message for today. You see, God awoke me in the middle of the night, many years ago, and asked me to serve Him. I still do not understand His reason, but I’m glad He did; I rejoice and am honored to witness His good works every single day. However, few Christians know how to serve God’s purpose in their life. Have you ever questioned this thought?

Serving the Lord isn’t about us receiving attention or glory; it is for Him to receive praise. So, I start my day with an early morning prayer. I give thanks for my many blessings, and I ask Him to reveal His intentions of how could I serve Him. Am I to be His voice calling His chosen people, or am I to be a pillar to support His kingdom?

Dana Bicks

In your case, ask God to show you how to change other people’s lives to be a witness to His love. Perhaps involve yourself in an outreach community or work at the church. Whatever calling you choose, it should not be something you do at certain times, but a passion every single moment of the day. If God is not changing sinners into Christians, then how can He be glorified by the seeds we should plant? Serving God’s purpose is changing the lives of others who will witness His love and grace through your deeds. Share the good news about Jesus’ forgiveness of sin. How do you do this on a nine-to-five schedule, in your dead-end position?

Is Your Job a Dead-End Position?

Are you unfulfilled in your current job? Maybe it’s boring, you’re overworked and underpaid, not to mention unnoticed for a job well done. A desire for a meaningful existence just doesn’t apply to you. The Bible teaches that finding our purpose in anything other than the Lord will always leave us empty. If we can’t make a difference, what is the purpose? I’m sure your next response will be, “But I have bills to pay and a roof to put over my head.” Many job openings abound which better serves the Lord, and they will, in turn, pay your debts. Pray for God to show you the way.

“But seek first the kingdom of God and his righteousness, and all these things will be added to you.” Matthew 6:33

 

A Personal Story of Inspiration

Allow me to share a personal story with you, which will explain how God works, helping us to serve His purpose. Before my wife and I reunited and married, she lived in Virginia, single, for over thirty years. Her occupational field of expertise was in the accounting genre, and her pay scale was in the top echelon of her field. She burned out crunching numbers and often prayed something newer and better would come her way. In 2005, she accepted an opportunity to do mission work for the International Board of Southern Baptist Convention in Africa. When she returned from her outreach work, she was eager to continue spreading the word of God. She applied and was accepted to work for the Peace Corps, but she turned it down for lack of security in her designated country.

Now confused and floundering, perhaps moving to a different area was her answer, so in 2007 she purchased a home in Tampa. Within weeks of moving to Florida, she walked into a publisher’s office and landed another high-paying job. What did she know about the publishing field, and how did this serve the Lord? Was this another mistake? To make a long story short, the company eventually folded, and she moved back to Virginia, where she took a job for a non-profit Catholic organization running the finances. Once again, another mistake.

When my wife and I reconnected with each other in 2016, she told me how she was praying God would find her a job serving Him. She spoke of going back into missionary work, but I wasn’t letting her get away from me this time. Within days of moving to Arkansas with me, she suggested we begin a blog and website which served the Lord, and the rest is history. She is now my Editor and marketing guru. How ironic God placed her in a publishing company in Florida only to gain the experience for our award-winning book! Today, we both serve God’s purpose; our messages go further than any missionary work she could ever perform around in the world. Amen!

Rejoice, for You are Chosen!

Our almighty God comforts us and gives us the conveniences of life if we remain dedicated in prayer. When we least expect it, He will drop that job in our lap serving His purpose. Just keep your eyes and ears open and pray for the discernment. Is it the one God is offering to better serve His name? The richness you will receive may not be monetary but one of spiritual peace knowing you are serving God’s purpose.

Rejoice, for you are chosen to serve the Lord! How do I know this? You are a Christian who just took the first step of reading this blog… His message to you!



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Wealth overflows

We live in a world of abundance,
Wealth overflows;
Yet, billions live in destitute;
What really is the matter?
Why can’t all have enough?
What stops me or you
Having our fair share?
The world’s abundance
Is for all;
A few cannot be allowed
To exploit and dominate
The majority.
Things must change.
The wealth of the world
Must flow to all.

Be honest (Be inspired today 318 by Ngobesing Suh Romanus)

Do not be dishonest;
Do not go for dishonest riches;
Be honest;
The bible warns against
Riches dishonestly earned;
Do not take bribe;
You will land
Not only yourself,
But also your family
Into trouble;
It is better to be poor
But honest,
Than to be rich
And dishonest;
If you get a good position
By playing a foul game,
That position will bring you
More sorrow than joy;
Do not raise your children
With stolen money;
Or money you get
By cheating someone;
You cannot do that
And claim to be a success;
Neither can your children
See light.
Of all policies,
It is well known
Or everyone should know
Honesty is the best policy;
Therefore, be honest.

Changes

Don’t scare of change.

Life is all about change.

You’ll change.

Everybody will change.

Everything will change.

Look around you, you’ll always find changes.

You can’t stop the medium of change.

Nobody can stop it either.

Change is the universal law.

This is the truth of life.

Source: POSITIVE THOUGHTS OF SELF-MOTIVATION! Only you can motivate yourself… Only you can bring positive changes in your life…. Birister Sharma

To Buy this Book- POSITIVE THOUGHTS OF SELF-MOTIVATION!

Thank you for reading. Let us make a beautiful world together. God bless!

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COPYRIGHT © Shubham Verma

You didn’t deserve!- #Vanilla’sBlog

You didn’t deserve…

You didn’t deserve that attention I gave;you were just attracted to a girl so brave.

You didn’t deserve the time I gave you more than anyone else;you were just passing your time making a mess.

You didn’t deserve my thoughts for you day and night;you were already planning with someone else.

You didn’t deserve the bond of friendship I was in with you;you just said dialogues of friends forever,that’s never true…..

Read Full Post Here ☟☟☟

https://wp.me/paHNsU-2u

The National Debt: America’s Ticking Time Bomb

National Debt

One of the main characters in Shakespeare’s Hamlet, Polonius, while giving some advice to his son says this in Act 1, Scene III,

Neither a borrower nor a lender be…

This famous saying was intended as a piece of personal wisdom. The vast majority of the world today ignores this advice.

Whether at the personal, business, or government level, borrowing and lending have become commonplace in modern life. In fact, it is almost impossible to participate in buying or selling without borrowing and/or lending.

When a person borrows from a business, or from the government, it is a formal and legal endeavor, which makes disputes between the parties a complex matter of the law. The same is true for a business borrowing from another business, or a government borrowing from a business or another government.

If these intricate transactions run afoul and the borrower cannot pay back the lender, eventually the activity known as bankruptcy comes into play. This ‘remedy’ is used by individuals, businesses, and governments.

America’s National Debt may be heading toward bankruptcy for the nation. It is a ticking time-bomb waiting to blow the economy sky-high.

 

American States Have Gone Bankrupt

National DebtThe law today does not allow states to officially claim bankruptcy. However, that doesn’t mean that states cannot go into default on loan payments.

In fact, a Zero Hedge article from 2010 names 32 states that were insolvent at the time. California (surprise, surprise!) was the most in debt, followed by Michigan and New York.

Courtesy of Economic Policy Journal we now know that the majority of American states are currently insolvent, and that the US Treasury has been conducting a shadow bailout of at least 32 US states. Over 60% of Americans receiving state unemployment benefits are getting these directly from the US government, as 32 states have now borrowed $37.8 billion from Uncle Sam to fund unemployment insurance.

These cases were never officially bankrupt because the states were allowed to borrow money from the federal government.

To be clear, this was not a case of ‘robbing Peter to pay Paul.’ It was more like the court jester begging the emperor for some of his invisible clothes.

The Federal government, i.e. the emperor, lends money that it has to borrow, to the states to pay back money that they didn’t have to meet their legal obligations. It amounts to going into additional debt to pay the debt you already have.

It is obvious this doesn’t solve the debt problem. It only perpetuates the myth that states cannot ever go bankrupt.

When such conditions exist, one of the many inevitable results is higher taxes. It is far less the case that significantly lower government spending is attempted or even considered, at least initially.

The case is even more destructive when we realize that sovereign nations can suffer the consequences of rampant debt.

Nations Can Go Bankrupt: The Recent Case of Greece

National DebtMost are familiar on one level or another the phenomenons of personal and business bankruptcy. However, most are not as aware that even governments of entire nations can go bankrupt.

One prominent example was the nation of Greece which was threatened with insolvency a decade ago. Greece survived the economic crisis because the European Union and the IMF bailed the nation out.

The EU and the International Monetary Fund provided 240 billion euros in emergency funds in return for austerity measures. The loans only gave Greece enough money to pay interest on its existing debt and keep banks capitalized. The EU had no choice but to stand behind its member by funding a bailout. Otherwise, it would face the consequences of Greece either leaving the Eurozone or defaulting.

Greece had to agree to a revamping of its revenue system so that the national budget could take severe steps toward being ‘in the black,’ to receive the funds. That meant mandatory tax increases and spending cuts.

It also meant forced wage cuts and stopped any early retirement. The agreement also meant that pension funds had to be cut which also meant government-funded pensions would not be able to honor their legal obligation to pay their retirees.

These measures were either ineffective or not given enough time, and several other smaller billion-dollar-plus ‘bailouts’ were sent to Greece via various channels of the EU. Unemployment shot up to 25% and to 50% for young people.

By 2015 the voters had enough of the austerity measures forced upon them by the EU bailouts. In a referendum vote, they rejected the measures triggering widespread fear of instability which resulted in a run on the banks.

Banks closed and restricted ATM withdrawals to 60 euros per day. It threatened the tourism industry at the height of the season, with 14 million tourists visiting the country. The European Central Bank agreed to recapitalize Greek banks with 10 billion euros to 25 billion euros, allowing them to reopen. Banks imposed a 420 euros weekly limit on withdrawals. That prevented depositors from draining their accounts and worsening the problem.

The Greek economy has limped along since 2015 and though there has been some small progress, the debt is still in the 300 billion euro range, about the same as it was 10 years ago. Additionally, unemployment is still at 22% and, as of 2018, Greece is seeking more bailouts contingent on even more strict economic control by the EU.

America’s Debt Problem Is Treacherously Unique

National DebtThere are two factors that make America’s debt problem treacherously unique. The first and most obvious factor is that our National Debt monstrously large.

Moreover, the amount is larger than advertised. A lot larger.

The official National Debt is now quoted as over 22 trillion dollars! How much money is that?

Think of it this way. If you had just 1 trillion dollars and you spent 1 million dollars every day, it would take you almost 3000 years to spend it.

Multiply it 22 times and that is how much the United States of America owes a lot of other nations and financial institutions aka, banks around the globe. Now for some really bad news, this means the people of the United States owe that money because the taxpayers ultimately supply the funds.

This means that each taxpayer in America owes approximately 250,000 dollars to places including China through its state-controlled institutions of finance. Here comes the worst news of all; 22 trillion is only a small part of the real National Debt.

That’s because the official dollar amount does not include America’s unfunded liabilities. Unfunded liabilities are those items the Federal government must pay for by American law.

By far the largest and most significant of these are Social Security, Medicare, and Medicaid. Together they currently total more 50 trillion dollars. When added to the Debt, the total becomes slightly more than 73 trillion dollars… for the moment.

 

National DebtThe final figure also includes items such as Federal pensions for workers and elected officials and interest paid on the Debt. The grand total of America’s real debt is about 130 trillion dollars!

This means each American taxpayer owes over 1 million dollars of the real debt as it exists today. So, what do you say, fellow taxpayer? Got an extra million to chip in for poor old Uncle Sam? Yeah, me neither.

This is a path which will lead to the eventual bankruptcy of America unless some radical steps are taken, steps that will be extremely difficult to accomplish. Which leads to the second treacherous factor that is unique for America.

In all other examples of national financial disaster, there exists one thing which America doesn’t have. There is no one to bail us out.

The fact is, a consortium big enough to rescue the U.S. from insolvency doesn’t exist. America is the largest economy in the world and no nation or bank or group of nations or banks could ever absorb over 100 trillion dollars of debt.

This leaves few choices on the table, and none of them are easy or very pleasant. Americans must understand that even the best choices to resolve this economic upheaval will involve significant sacrifices by ‘we the people’ ourselves.

Sacrifices Must Be Made

Any real solution to stave off national insolvency requires massive changes in how unfunded liabilities are handled. The political landscape at this time makes the task of solving that problem extremely difficult.

However, there is a glimmer of hope here precisely because America is the largest economy that exists. Most of the modern world at this time has a vested interest in keeping it that way.

If America’s economy collapsed, it would immediately plunge the world into crisis mode, perhaps even global economic depression. That real fear gives the nation a short window of opportunity to make strides toward fixing the precarious debt situation.

This doesn’t mean we will pay off the National Debt completely, though there are ways to do so, provided the problem of government overspending is corrected. An intriguing and workable idea to pay down the debt is a 10% special inheritance tax described here.

The 10 percent taxes government share should be used exclusively to pay down the National Debt. The presently estimated wealth in the USA is 100 trillion. Ten percent over time being paid to reduce the debt will exponentially reduce the debt, assuming Congress attempts to balance a budget.

National DebtThe fact is that at the bottom, a crisis of economics is really a crisis of confidence. As long as there is trust in the value of the currency, public assurance staves off panic moves such as a run on the banks.

The same thing is true about America’s creditors. Those institutions and nations we are indebted to do not require payment in full to remain confident about doing business with the U.S.A.

All that is needed (for now) is to show we are keeping up on the interest payments and making progress in reforming our spending habits as a nation. Then real strides can be taken to pay off the National Debt.

Government spending overall has to be reigned in if a balanced budget is to be achieved. An excellent piece at Townhall.com shows this could be accomplished in a simple manner by a small reduction in spending.

The solution to this problem is very straightforward. All that’s needed is a bit of spending restraint to put the budget on a glide path to balance. I’m a big fan of spending caps, so this next chart shows the 10-year fiscal outlook if annual spending increases are limited to 1% growth, 2% growth, or 2.5% growth.

The ‘autopilot’ spending in the chart represents the current and projected levels of government outlay. The big reason this ‘autopilot’ is headed to the stratosphere is out of control entitlement spending.

Getting it under control means addressing the problems of Social Security and Medicare insolvency. For example, raising the retirement age for collecting Social Security to 70 along with at least some privatization of SS and Medicare, would be a good start in the right direction.

However, no one in political leadership is even suggesting slight changes in entitlement programs at this point in time. Those leaders assume, quite correctly, that many of their constituents would go ballistic at the prospects.

Those most adversely affected would be people in their 40s and 50s who may have already been counting on retiring in their 60s. Many of them may not want to wait until 70 for Social Security or Medicare benefits.

That kind of potential ill-will from voters keeps too many politicians from facing the truth. The truth that this problem is an economic ticking time-bomb and its detonation would be unimaginably catastrophic for America and the world.

National DebtIt is going to require strong and responsible leadership in government to stay the course if spending restraint is going to happen. Some may realistically face a hostile constituency when supporting proposals that delay or ‘cut’ government benefits and end up potentially sacrificing their political lives.

A strong and responsible public also must emerge and become educated enough about the economic realities to support policies which may call for sacrifice from them.

Is it fair? Not really. The largest sacrifice is likely required from working families who have already borne the burden of past generations of fiscal foolishness.

However, it is also true that should the debt time-bomb explode, the same working families will suffer the most devastation and it will dwarf the pain of previous sacrifices. Unless some big changes are made the bomb will go off, it’s just a matter of time.

The countdown to detonation may have already begun, and it is certain the debt time-bomb is armed. Pray that America will be wise enough to make the essential sacrifices and bring us back from the economic precipice.

Better is a little with the fear of the LORD than great treasure and trouble with it. Proverbs 15:16 [ESV]

D.T. Osborn

Sources: The Holy Bible, English Standard Version, Crossway Bibles, 2001

Featured and Top Image courtesy of Dirk Knight’s Flickr page – Creative Commons License
Inset Image 1 courtesy of Kenn Wilson’s Flickr page – Creative Commons License
Inset Image 2 courtesy of Global Justice Now’s Flickr page – Creative Commons License
Inset Image 3 courtesy of CafeCredit’s Flickr page – Creative Commons License
Inset Image 4 courtesy of Purple Slog’s Flickr page – Creative Commons License
Inset Image 5 courtesy of Gwydion M. Williams’ Flickr page – Creative Commons License
Inset Image 6 courtesy of Boris Rasin’s Flickr page – Creative Commons License

All other sources linked or cited in the text

Originally published in TIL Journal