Is It Legit?

Beware ‘professional ‘ beggars.

isitlegit

He who is generous will be blessed, For he gives some of his food to the poor. Proverbs 22:9

The United States of America is the wealthiest nation in the history of the world, and  more charitable donations per capita flow from the US than from other nations.  As a country we are blessed with both the largest percentages of Christians and millionaires. These two groups donate more money to charities than any other according to numerous reports. Because of this abundance of wealth, there are numerous scam artists who prey upon the charity and good will of the generous by flipping the script to take advantage.

Earlier this year, you may have heard this heartwarming story in the national news media about this poor woman who was trying to make it home,  but her car broke down when it ran out of gas on I-95 outside of Philly. A homeless vet gave her $20, enabling her to get the much needed petrol for her car. In gratitude, her and her boyfriend befriended the man and set up an online GoFundMe donation account to help this wonderful homeless veteran. As the story went viral, donations poured in and the account grew to more than $400,000. A wonderful story.

gofundme-controversy

Except that’s all it was, a story. The entire account was a fiction, and all three parties were involved in the scam. The vet was indeed homeless, but the couple Mark D’Amico and Kate McClure, conspired with homeless man Johnny Bobbitt  and solicited his help as the face of their campaign. The plan backfired when the amounts received from good-hearted donors spiraled out of control. Greed over the size of the split of the ill-gotten gains is what ultimately undid the trio. Bobbit felt all the money belonged to him, as he was really homeless. Mastermind Mark D’Amico believed Bobbit was only entitled to a portion of the money, so Johnny Bobbitt got a lawyer and sued.  As a result of the legal action and the resulting media attention on the high-profile case, the elaborate plot unraveled and all three were jailed and charged with theft by deception. GoFundMe has agreed to refund the donations collected.  

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“There are eight million stories in the naked city. This has been one of them.”

The Naked City was a TV crime drama broadcast  from 1959-1963 and based on a 1948 film of the same name. Each episode ended with the iconic line about the eight million stories, a reference to the location, set in New York City, and implying that everyone has a story to tell. As I stated before, the USA is the land of plenty, and we do have homeless and poor, but no one staves in this country except by choice, or by malice. There has never been a famine our country, but there are many stupid people who make bad decisions and then want to blame others for their misfortune, or at least make them feel bad.  It reminds me of a biblical account of a famine in ancient Samaria found in the second book of Kings.  

2 Kings 6:26-30

26 As the king of Israel was passing by on the wall, a woman cried to him, “Help me, my lord the king!”

27 The king replied, “If the Lord does not help you, where can I get help for you? From the threshing floor? From the winepress?” 28 Then he asked her, “What’s the matter?”

She answered, “This woman said to me, ‘Give up your son so we may eat him today, and tomorrow we’ll eat my son.’ 29 So we cooked my son and ate him. The next day I said to her, ‘Give up your son so we may eat him,’ but she had hidden him.”

30 When the king heard the woman’s words, he tore his robes. As he went along the wall, the people looked, and they saw that, under his robes, he had sackcloth on his body.

That’s a pretty terrible tale, but it points out poor decision skills, taking advantage of both stupidity and of wealth, and while you feel sympathetic for the victims there are some people that just can’t be helped. It’s not totally clear exactly what type of help the woman is soliciting, but it is implied that she is seeking justice against the woman who scammed her.

Jesus said we will always have the poor among us. I’m not into the so-called ‘Prosperity Gospel’ which preaches that God wants us to be rich and successful, because by becoming wealthy we are in a much better position to help others.  There is some truth in this logic, but remember that even the Devil can quote scripture and twist it’s meaning to suit his purposes. There’s a scam out there for every legitimate cause, and they prey upon your sympathy.  A ‘church by mail’ called Saint Mathews Churches of Tulsa OK is one such scam that sends out mailings splattered with scriptures and religious iconography promising great blessings in return for ‘seed offerings’.  Some televangelists also fall into this category.

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Sometimes it’s hard to separate ‘the wheat from the chaff’. Sometimes it’s impossible, so don’t feel bad if you gave in error to a fake one. Live and learn, and move on.  Good people want to help others, and every organization needs SOME funding for its own overhead.  Some organizations are just ‘squeaky wheels’ that exist to cry for donations while little of the funds reach their intended targets.  I’m a firm believer in supporting LOCAL organizations. The best nation-wide charities like The Salvation Army  https://www.salvationarmyusa.org   or Toys For Tots   https://www.toysfortots.org  can get by on a minimal razor-thin operating budget and have LOCAL offices that cater to the LOCAL community. 

If you have any concerns about a charity, you can see how they rank up to similar charities by using the https://www.charitynavigator.org/  website. Charity Navigator is the largest and most-utilized evaluator of charities in the United States providing data on 1.8 million nonprofits.  

This doesn’t mean that every need has an accredited 501-c charity that exists to back it. Sometimes, legitimate needs do ‘pop-up’ unexpectedly, due to tragedy or stupidity, or both. Many of these hard luck cases turn to GoFundMe.com  There are many true needs out there that need to be met, but like the couple and the vet who scammed over  $400,000 some of these ‘needs’ might be fake. Whenever you donate money, never donate more than you can afford to, never feel bad if you have to say ‘no’, and never, ever, EVER donate money if you feel like you are being FORCED to give. Extortion is just as illegal as theft by deception. I have heard of people who used GoFundMe to raise funds for funerals, medical expenses, and because they lost their home in a fire. I once even donated money to a homeless Superman impersonator who had been mugged, had his teeth knocked out, and was robbed of his cape and super-suit. I have also heard of  people who used   GoFundME because they felt they were entitled to lots of money for their upcoming birthday, or who needed rent money because ‘they just didn’t have it’.  Sometimes bad things happen to good people. Sometimes people are just stupid and make bad decisions.  All things come from God and you are the steward  of the riches He has bestowed upon you. How you choose to distribute from your bounty is a matter of your heart, and only God can judge you because He knows the truth behind ever human heart. As always, I wish you success and happiness.  

Brother, Can You Spare A Dime?

A handout or a hand up?

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A popular song  from 1930 was ‘Brother, can you spare a dime?’ sung by Bing Crosby.  During the Great Depression, many Americans were down on their luck and struggling to make ends meet. (The ‘Fellow American down  on his luck’ was later personified by Humphrey Bogart in the film The Treasure of the Sierra Madre 1948, later spoofed in the 1950 Bugs Bunny cartoon short  8-Ball Bunny.)  A dime doesn’t seem like a lot of money, but when you get enough of them they do add up. It was probably  a combination of this song on the radio, and the movie newsreel serial THE MARCH OF TIME that inspired Eddie Cantor to coin the phrase ‘The March Of Dimes’ to help raise donations for Franklin D. Roosevelt in 1938, for his National Foundation for Infantile Paralysis, to combat polio. The catch phrase eventually replaced the clunky name of the foundation, which has been know as The March Of Dimes ever since.  The poorly run charity still exists today despite the near extinction of polio, having changed its mission to fighting birth defects.   More than 80% of funds collected go towards overhead,  and the CEO of the charity  is paid over $500,000 annually. What started out as a good intention morphed into a bureaucratic nightmare that doesn’t seem to help anyone except the staff.

The American Dream vs. the Welfare State.

Americans are guaranteed the inalienable rights of life, liberty, and the pursuit of happiness. Nowhere in the US Constitution is it listed as being the job of the government to provide any form of  social welfare assistance, cradle to grave healthcare, cheap housing, free phones, or free food.  

Following the stock market crash of 1929 and the resulting Great Depression, certain well-intentioned government officials began creating the modern welfare state that exists in our country today. The Social Security Act was signed into law by President Roosevelt on August 14, 1935. The WPA, Works Progress Administration, put unemployed and unskilled Americans to work in return for temporary financial assistance from 1939 to 1943. For four years during the Depression, the first Food Stamp Program fed 20 million people at one time or another in nearly half of the total counties in the nation.  Food stamps were eliminated in 1943, but in 1961 they were revived when President Kennedy signed his first executive order bringing back the program. Food stamps would also eventually be re-branded as SNAP, a Supplemental Nutritional Assistance Program, with benefits being distributed electronically on a EBT card to reduce ‘social stigma’.     

Government entitlement programs account for more than half of the national budget.  Whenever we reduce taxes, we also have to make  corresponding cuts to the budget, and associated entitlement programs.  The problem is there is a large portion of the population that has become entirely dependent upon the existence of those same entitlement programs which must be eliminated.  Ever since President Franklin Delano Roosevelt offered Americans his New Deal, the cornerstone of the Democrat political party platform has been to eliminate poverty through widespread, government social welfare programs. As a result of the created dependency generated from these same welfare programs, poverty has actually increased while the Federal budget deficit has skyrocketed. We have also created generational welfare dependency with children living in the same housing projects on public assistance as their parents and grandparents.  It is impossible to eliminate poverty, and believing that poverty can be eliminated amounts to calling Jesus Christ a liar.

“The poor you will always have with you, but you will not always have Me.”– Jesus Christ,  The Bible written in John 12:8,  Mark 14:7, and also Matthew 26:11

Charity begins at home.

​“With great power there must also come — great responsibility!” —Stan Lee

Besides being God, Jesus Christ was a rabbi, or teacher. By speaking that the poor will always be among us, He brings to mind other scripture verse.      

“If among you, one of your brothers should become poor, in any of your towns within your land that the Lord your God is giving you, you shall not harden your heart or shut your hand against your poor brother, but you shall open your hand to him and lend him sufficient for his need, whatever it may be…For the poor you will always have with you in the land. Therefore I command you, ‘You shall open wide your hand to your brother, to the needy and to the poor, in your land.’” (Deut 15:7-11)

Before the government social welfare reforms of the twentieth century were instituted, taking care of the poor was largely a function of the Christian Church. Churches had ‘poor boxes’ with the donations collected destined directly for the poor.  Even today, churches provide free meals, food pantries, and other donations for the poor. As Christians living in the most prosperous country in history of the world, it is OUR responsibility to pass on our blessings as we have been blessed. With all the opportunity and freedom abundant in the United States, there really is no reason to be poor unless we choose to be. According to motivational expert Brian Tracy, “The sad fact is that people are poor because they have not yet decided to be rich. People are overweight and unfit because they have not yet decided to be thin and fit. People are inefficient time wasters because they haven’t yet decided to be highly productive in everything they do.”

I grew up poor, both my father and step-father died when I was a young boy. My mother never worked to better herself and always relied upon social welfare programs.  As a result, I grew up in a roach-infested apartment in NYC, eating Government cheese, getting food with food stamps, and eating free meals at school. My mother died in the same poverty she chose to embrace, but I made a vow long ago to never be poor when I was an adult.  Success is always present, but never given, you have to work for it if you really want it. Doing so places you in a position to help the less fortunate, offering a hand up instead of a handout.  There are many worthy charities for every sketchy one that claims to help the poor, and if you do your research, by separating the wheat from the chaff your donations will do the most good.  A good rule of thumb is to focus locally and give what you are able to give freely and gladly. You should take care of your family, friends, and other people who live close to you before helping people who are living further away or in another country.  If every Christian in the USA did their fair share, there would be no need for government welfare programs. As always, I wish you success and happiness.

Help Yourself!

Are self-help books all they’re cracked up to be?

 

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If you walk into any decent bookstore, you’ll notice that a large section of the store is devoted to self-help books. Self help books usually fit very nicely into three inter-related categories:

  • Wealth
  • Health
  • Relationships

Depending on one’s  personal situations, one of these three categories may be more important to you than another, but from my personal view point wealth (or financial stability) is the lynch pin that holds the other two components in place. The stress and worry associated with poor financial decisions will ruin both your health and your relationships.   Fighting about money is the number one relationship killer. With such a huge selection of self-help books and authors to choose from, you might wonder if self-help books really work at all.

A mind not to be changed by place or time. The mind is its own place, and in itself can make a heav’n of hell, a hell of heav’n. – John Milton

John Milton was a 17th century English poet. His most famous work was Paradise Lost, a long narrative poem which basically expands upon the biblical story of Adam and Eve from the book of Genesis.

In the 1997 movie The Devil’s Advocate, Al Pacino  plays a character named John Milton, a lawyer who is  actually Satan in disguise. At one point during the film, Pacino utters this quotable dialog : “The worst vice is advice”. It’s a statement that’s a little confusing, but I found it to be both funny and profound. Some people are in the habit of advising other people about anything and everything, even when they have no worthwhile advice to offer.  So it’s very important to be able to discern if the advice given is of any value. I cannot tell you how many times people (who didn’t know what they were talking about) gave me bad advice which had I been foolish enough to act upon would have had disastrous consequences.

If you’re considering seeking out a self-help book, then you’ve already made the first step in problem solving, admitting to yourself that there’s a problem. The second step is gathering information so you can formulate a solution. The third step is putting that information into practice, but the forth and final step is the real key to success. That forth step is maintaining the third step while improving upon and refining it as new and better information comes along. Practice makes perfect, quitters never win, and winners never quit.      

All the good advice in the world is worthless if you fail to apply it. Therein lies the problem. Most people looking for self-help books are ACTUALLY seeking quick fix solutions to their problems that require little or no effort on their part. They are NOT expecting to discover PERMANENT life changes.

Take diet books for example.  (At the risk of insulting any actual dietician or fitness expert who may have written a really sound book, I’m NOT going to mention any specific book title, or author.)  

Average Joe is 100 lbs overweight and hears  about a fabulous new diet book by a well respected author, and he immediately orders a copy. The book arrives and after a month of making all the tasty  meals, Joe loses 25 lbs. He pats himself on the back uses his new diet book to prop up the short leg of the table, and goes to the all-you-can-eat buffet to reward himself. A month later, he has gained back the weight he lost, and blames the author and the stupid book. Then he hears about another new diet book and repeats the process over and over.  The problem isn’t the advice he received, it is that he stopped following it the moment he saw positive change, and resumed all the bad habits that caused the problem in the first place.

If you want to stop a problem,  you MUST stop going all the things at caused the problem, PERMANENTLY! You don’t go back, ever.   Occam’s razor, dictates that “the simplest explanation is usually the correct one “. If you keep wondering why all your problems keep happening to you, it’s because the problem isn’t the problem, the problem IS you. To quote Shakespeare  “The fault, dear Brutus, is not in our stars, but in ourselves”  You’re not a victim of your circumstances, you’re a volunteer and it’s up to you to break the vicious cycle that you’ve trapped yourself in.

As I’ve said many times, I grew up poor because my father died when I was young, and my mother didn’t have the intelligence to handle money. If you gave her one dollar, she’s spend two.  I broke the vicious cycle of poverty that had trapped most of my family by seeking wise council on money and financial matters.  I put these practices into place years ago and never stopped working my way towards financial freedom.   This is why I’m successful today. I realized that my way of thinking was what caused the problem, and I actively sort out better information from someone smarter than myself.  This is because a greater intelligence is always needed to fix a problem than the intellect that caused it.  

So as your trying to figure out which of the near infinite self-help books will provide the answer to your problem, let me give you a ‘short cut’. The best self-help books all offer the simplest answers, and often quote the Bible.  If you read enough of them, they all eventually seem to offer the exact advice.

  • For wealth–  Spend  less then you earn,  live within your means, and save and invest.
  • For health– Eat proper nutritious meals and exercise regularly.
  • For relationships – Be good.  

It’s just common sense, not tricks or gimmicks.  

Those who trust in themselves are fools, but those who walk in wisdom are kept safe. (Proverbs 28:26)

You may have heard it said ‘God helps those who help themselves’. This is NOT biblical. You will not find that phrase anywhere in the Holy Bible. Benjamin Franklin popularized it.  The Bible tells us that we can do all things through Christ who strengthens us, and also encourages us to seek wise council. It is the first and the greatest ‘self-help’ book, timeless and perfect.

Here are a few helpful  proverbs form the Bible:

Proverbs 12:15

The way of a fool is right in his own eyes, But a wise man is he who listens to counsel.

Proverbs 11:14

Where there is no guidance the people fall, But in abundance of counselors there is victory.

Proverbs 13:10

Through insolence comes nothing but strife, But wisdom is with those who receive counsel.

Proverbs 19:20

Listen to counsel and accept discipline, That you may be wise the rest of your days.

So if you’re seeking the ultimate self-help book why not try reading the time tested original first. As always I wish you happiness and success!

Sorry, Not a Winner!

Don’t fall victim to ‘Get-Rich-Quick Schemes’.

Back when I was in college, I used to work late nights and weekends at a convenience store. You know the type, a small retail business that stocks a range of everyday items such as groceries, snack foods, coffee, soft drinks, tobacco products, newspapers, and magazines. I’d start at 10 pm and would usually be ending my shifts around 7am. Like most c-stores, we also sold lottery tickets, both the ‘instant win’ scratch-off tickets and the computerized state and national mega-million number games.  Time and again, I would see the same people on their way to and from their places of employment. These regular customers would stop by daily to grab a cup of coffee, a pack of cigs, and usually lottery tickets. This was an everyday occurrence.  Often, they would scratch off the instant lottery tickets at side of the counter while sipping their coffee, and if they won a free ticket, they would redeem it for another chance to win.  I can’t tell you how many of the same people day in and day out spend upwards of $5.00 a day on lottery tickets. It was worse when the mega-million jackpots started growing and lotto-fever hit these would-be millionaires. I never once in all the years I worked there, sold someone a million-dollar winning ticket.        

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The one dollar trap.

Part of the allure of lottery tickets is how inexpensive they are. For only a buck you could be a winner! After all, what could you possibly do with that measly dollar? Because of this, it’s very easy to get caught up in the lottery trap.  My mother, and all of my aunts spent tens of thousands of dollars over their lifetimes chasing the elusive ‘big win’. Not only did they play the lottery, they also played bingo, went to casinos, and gambled. My late grandmother was a book-maker, taking in illegal spots bets. One of my cousins lost $600 at a casino in a single evening last month. My last surviving aunt, who lives in near poverty,  frequently wastes her precious few dollars on lottery tickets, and betting on horse races.  Not a single member of my family ever became wealthy by gambling, and all died penniless.

But the Apostles cast lots in the Bible, so gambling is ok, right?

“The lot is cast into the lap, but its every decision is from the LORD,” (Prov. 16:33)

In the Bible, the casting of lots is mentioned several times.

  • The eleven apostles cast lots to determine who would replace Judas (Acts 1:26).
  • The Roman soldiers casting lots for Jesus’ garments (Matthew 27:35).    
  • God instructed the Israelites to cast lots on several times in the book of Numbers (Numbers 26:55; 33:54; 34:13; 36:2)  
  • The practice of casting lots occurs most often in connection with the division of the land under Joshua (Joshua chapters 14-21)
  • The sailors on Jonah’s ship (Jonah 1:7) also cast lots to determine who had brought God’s wrath upon their ship.

This is NOT the same as gambling. The casting of lots was the ancient equivalent of flipping a coin to make an arbitrary decision.  Another thing you may notice in all of the above references, is that there was no initial up-front investment by the participants to be included.  When you gamble, you have to wager a personal stake of some sort which becomes forfeit if the outcome is not in your favor. I’ve also heard people try to justify gambling by saying that bingo is played in Catholic churches, so it’s okay.  Actually there have been several times over the past seventy years when bingo was banned in churches, and even today it’s rare to see bingo played  outside of a bingo hall or at a private club. It’s not illegal, but that doesn’t make it ‘good’.  Anything which becomes an addiction is bad, and as God has given us free will, we have to decide for ourselves through studying his Word if we are becoming addicted to a particular bad habit.  

All things are lawful unto me, but all things are not expedient: all things are lawful for me, but I will not be brought under the power of any.   1 Corinthians 6:12 King James Version (KJV)

For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows.  1 Timothy 6:10 King James Version (KJV)

The easy way

Buying a lottery ticket is not against the law. On very rare occasions even I have been caught up in ‘lotto fever’ when the mega-million jackpot hits record highs, and I feel compelled to contribute to the office lotto pool because I don’t want to be the one guy that got left behind should my co-workers win and split the jackpot.  It’s not wrong to want to have a better life. But if you feel that there only way to improve your lot in life is by gambling, then there is something seriously wrong with your way of thinking. Let’s go back to the guys I mentioned who brought daily lottery tickets on their way to work back when I worked at the c-store.  Let’s say they spent $5 a day, five days a week on lottery tickets on average.  I sold some of these guys tickets for years, and they never hit any big jackpot. So let’s assume that instead of wasting $25 a week on lottery tickets, they just put that money in a jar every week for a year. At the end of the year they would have $1300.00.  Now let’s assume they did this every year for twenty five years, never toughing the money, just putting it in the jar, $25 a week, every week for twenty five years. They would have stashed away $32,500! Now suppose instead of just hiding the money away in a jar, they had placed in a brokerage account and invested it in a index fund tracking the S&P 500, (assuming about a 12% interest rate APR ) that investment would have grown to over $100,000!   

The easy way to became rich is not by gambling. The easy way to achieve wealth is to do it slowly over time, cutting all unnecessary expenses, and by making wise investments.  As always, I wish you happiness and success!  

 

The yolk is on ewe!

More than colored eggs and chocolate bunnies, the economics of Easter.

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I find it very appropriate that in 2018, Easter falls on April 1st, which is National Atheists Day. The last time this occurred was 1956, and it won’t happen again until 2029. If you’re wondering why April 1st is National Atheists Day, The Bible makes this clear. “The fool hath said in his heart, There is no God. They are corrupt, they have done abominable works, there is none that doeth good” (Psalm 14:1). The Bible says that anyone who denies God is a fool! So Happy Easter and April Fool’s Day!

Easter is the third-largest celebration right after Christmas and Thanksgiving, especially in Christian countries – like the US. Although the origins of Easter are religious, and are supposed to celebrate the resurrection of Jesus Christ, it has become more commercialized and now seems to concentrate on the candy aspect. Although candy is dandy, and not to mention  a very big business, God is awesome! ALL THE TIME.

Easter: Good For Business

Easter spending is expected to total $18.2 billion this year, the second-highest level on record, according to the annual survey conducted for the National Retail Federation by Prosper Insights & Analytics. A total of 81 percent of Americans will celebrate the holiday and spend an average of $150 per person. Last year was slightly higher $18.4 billion in 2017, which is approximately $152 dollar a person. The NRF survey has been tracking consumer spending since 2003.

This money will be spent mainly on food and candy, but other categories include clothes, gifts, flowers, decorations, greeting cards, and travel.

In the USA popular candies include my three favorites: Reese’s Peanut Butter Eggs, Cadbury Creme Eggs, and the ubiquitous chocolate bunnies in various sizes and shapes. (I prefer a solid white chocolate bunny.) Jelly beans are still around but not as popular with the current generation. Marshmallow Peeps are another very popular candy, but I can’t eat them because they contain gelatin.  Plus all this sugar is really bad for my diet.

One Cadbury Creme Egg packs about 20 grams of sugar, and four pieces of the mini version has around 21 grams.

Sugar-coated marshmallows like Peeps, however, have 34 grams of sugar in the suggested serving size of five traditional chick-shaped candies. So perhaps it’s best that the aforementioned gelatin prevents me from eating Peeps.   

What candies or Easter foods are popular in your country? I’d love to read about them in the comments.

Easter Themed Seasonal Treats

As you may recall, I have been in the process of trying to start a coffee shop for some time now, with little success and a lot of lost funds. I haven’t given up, it’s still on the back burner while I regroup and try to rebuild my cafe investment egg. Seasonal holidays can present exciting opportunities for small business specializing in food and drink . Tailoring special menu items can generate new sales. Peanut Butter Mocha! Coconut Cream French Soda. Maybe a bunny shaped cookie, or one frosted like a Easter egg.  Maybe make a special chocolate peanut butter sandwich cookie. Be creative!

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Placement of impulse items on counter tops near the register can bring increased revenue. Chocolate covered coffee beans anyone?  Use your imagination! One cleaver local cafe owner had a basket filled with plastic eggs on the counter in an Easter Basket. Patrons were encouraged to ‘try their luck’ and choose a plastic egg which contained a coupon for either a free item or a discount. A wonderful idea! If you have a cafe or food business, I’d love to hear some of your Easter-themed seasonal items and suggestions! Happy Easter, and as always, I wish you happiness and success!    

The Three Big No-No’s

Explaining the Inter-connectivity of Politics, Economics, and Religion.

AN EPIC OPINION/RANT

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“Freedom is never more than one generation away from extinction. We didn’t pass it to our children in the bloodstream. It must be fought for, protected, and handed on for them to do the same.”   – Ronald Reagan

It’s often been said that you’re never supposed to discuss politics, religion, or money (economics).  The problem is that these are three topics are very important, and share a high degree of inter-connectivity when we are discussing the USA. InstantCoffeeWisdom.com is MAINLY a financial blog, but it does sometimes touch briefly upon matters of religion and politics because  of the shared nature of the three topics.  With the ability of the populace to access the sum total of human knowledge via their internet-enabled smart phones, we have the largest forum ever created in which to voice our opinions and concerns. It amazes me that my weekly blog has been read by people in over 25 nations around the globe. My late father was a newspaper editor and had a weekly column for years  which never circulated outside of New York City. It is amazing how fast the world has changed in less than fifty years.

There has been a dumbing down of America and we can’t keep ignoring it because it’s not going away, it’s only getting worse. Due to the vast information overload, people who lack critical thinking skills are having difficulty distinguishing between fact and fiction.  The signal-to-noise ratio is off the scale and people can chose to listen to whatever viewpoint aligns with their personal ideology.   These uninformed  and indoctrinated citizenry are unable to critically evaluate and analyze everything they hear, choosing    instead to believe whatever fake news supports their fantasy world.

I am a Christian and a Republican and  I FULLY support my God Jesus Christ, My President Donald J. Trump, and the United States of America.

That being said, I’m going to attempt to explain how the three big no-no’s which you’re not supposed to discuss for fear of offending someone are connected. This is a very complex topic which could fill volumes, but I’ll try to keep it as short as possible. This is meant to inform, not offend.

“At the core of liberalism is the spoiled child – miserable, as all spoiled children are, unsatisfied, demanding, ill-disciplined, despotic and useless. Liberalism is a philosophy of sniveling brats.” – P.J. O’Rourke

More and more, young people on college campuses are self-identifying as libertarians, communists, anarchists, or any other fringe group attempting to overthrow the government. They stage protests, destroy property, and burn flags while condemning made-up issues like corporate greed and conservative bigotry. They demand that the president be impeached, the constitution changed or eliminated altogether,  and that the government must provide them with all these free services and non-existent ‘rights’ they claim to be entitled to.

On top of this, I can’t go a single day without hearing some brainwashed fool  comparing President Donald J. Trump to Adolf Hither. 

I for one, am sick of hearing about it. I’m tired of being called names by ignorant twits who couldn’t pass a civics test if their lives depended upon it. This is the greatest county on the face of the Earth. If you don’t like the USA, LEAVE! There are 194 other countries  in the world, pick one you like and move there.  And don’t come back, EVER!

Nothing beats capitalism for generating wealth

Communism and socialism do not allow the same freedoms granted by capitalism. Under Capitalism, individuals own and control land, capital, and production of industry. You can buy what you want, live where you want, work where you want. You have the maximum amount of choices possible in life and the freedom to act upon them. This is the ‘pursuit of happiness’ from the Declaration of Independence. Life, liberty and the pursuit of happiness are unalienable rights granted by our creator, God.  When God is the final authority, your rights cannot be revoked. In communist  or socialist countries rights are granted by the state, and can be revoked if the state decrees it.  Capitalism and Christianity function together best out of all the economic systems.  This is why the Founding Fathers chose it.

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Often you hear cries that you ‘can’t mix religion and politics’, that there’s ‘separation of church and state’.

Almost all of the Founding Fathers of the USA were Christians with very few exceptions. As such, their world view was greatly influenced by their Biblical beliefs. Revisionist historians and leftist ‘liberal’ teachers have obscured this fact in the modern classroom, greatly influencing the impressionable minds of young children who believe everything they’ve been told. As a result the majority of the next generation has been corrupted by the very teachers entrusted with their education. By and large, they have been rendered as the useful idiots of the left. Unquestioning revolutionaries fed by lies at every level of their cognitive development. Having been empowered by a steady diet of YA dystopian fiction throughout their teens, these millennial snowflakes react violently at worst, and at the very least hurl insults at any authority figure that attempts to point out the fallacy in their way of thinking. They often accuse conservatives of bigotry and hate, but if you wish to see a true display of hatred, disagree with a liberal! They are totally brainwashed and think everything great about America is bad.  Unfortunately, once a person has been so thoroughly brainwashed, it’s impossible to break through to them. Any attempts to un-brainwash them will only result in you being frustrated, and them having a dish-pan brain.      

The Fourth Center of Learning

Prior to the Twentieth Century, there were only Three Centers of Leaning.

  • Family
  • Church
  • School

Your world view was shaped by these three segments of life. These are the same three that shaped the world view of the Founding Fathers. Church and scripture reading were a larger segment of their lives, and influenced their way of thinking.

In the Twentieth Century, this changed. We developed an new Forth Center of Learning.

  • Media

Movies, radio, television, computers and the internet drastically changed the way we viewed the world. Suddenly people were introduced to idea and topics that prior generations never thought about.  When Clark Gable said ” Frankly My Dear, I Don’t Give a Damn” in 1939 in Gone with the Wind, it was shocking. Now we have all sorts of foul language throughout media that children are exposed to.  In December 1953 Hugh M. Hefner published Playboy Magazine, and you could buy porn at the newsstand. Today, it’s everywhere accessible via the internet, and even new TV shows and movies contain scene of gratuitous nudity and simulated sex.  Now we get the majority of our information through media. Let’s not even get started on all the violent content found throughout our modern entertainment.

At the same time Media was gaining a bigger part of our attention, the three tradition centers of learning were being  attacked. In schools, students were being taught what to think, not how to think. Christianity was being labeled as outdated, and the Bible filled with ‘errors’. No-fault divorce was added to our legal system and has lead to more broken families than any generation prior.  Now we have a generation that is learning about life from what’s taught to them by the media. They have no firm moral center. Instead they rely on ethics. Morals and ethics are very different things. Morals come from a religious source and are concrete, whereas ethics are drawn from societal norms and are situational and fluid. Morals define things as either right or wrong 100% of the time.  There is no grey area. Ethics change with the circumstance and individuals. What’s right for you may be wrong for me. If something is legal, it is not unethical. If it were unethical it would be illegal. If something is immoral, it is ALWAYS immoral whether it is legal or not. God wants what is best for us and outlines it in his Word, the Bible. It not only covers laws and acceptable social behavior, it also provides encouragement and has over 2000 passages relating to financial matters that are time proven.  

In the twenty-first century, only about 2% of Christians have ever read the Bible cover to cover. This lack of biblical knowledge has resulted in much of the immorality and financial poverty that plagues our society and threatens our nation. The common knowledge and common sense of our forebears has been lost due to illiteracy and apathy.  As a constitutional republic, we elect our representatives to vote legislation on our behalf. How can you elect moral leadership if you have no standard by which to measure the man?  How do you vote laws if you have no measure of accepted morals or justice? So today, we have a very different world-view than The Founding Fathers.  If you don’t believe religion belongs  in politics, you are sadly mistaken. God has been involved in the United States since its inception because the Founding Fathers had a Biblical world view.

One Nation Under God

  • The United States is the longest existing constitutional republic in history.
  • It is a Christian nation.
  • It has a capitalist economy.

Attempting to change just one of these three factors will diminish or even outright destroy the other two.

The “wall of separation between church and State” is a metaphor based on bad history, a metaphor which has proved useless as a guide to judging. It should be frankly and explicitly abandoned. Wallace v. Jaffree, 472 U.S. 38 (1985) – Supreme Court Chief Justice William Rehnquist

The phrase ‘separation of church and state’ does not appear ANYWHERE in the Constitution. Don’t believe me? Read it for yourself. I did. The 1st amendment guarantees the right of freedom of religion, and bars any laws from being enacted to restrict or prohibit it. The constitution is ‘almost’ impossible to change. The founding fathers designed it this way to protect it. In the wake of the recent school shooting there has been sharp criticism from the left to change, or even to revoke  the 2nd Amendment. If the constitution could be changed at whim, they could easily revoke the 1st amendment as  well and eliminate religious freedom, and free speech.

Our political structure and election system comes straight from the Bible.

21 But select capable men from all the people—men who fear God, trustworthy men who hate dishonest gain—and appoint them as officials over thousands, hundreds, fifties and tens. 22 Have them serve as judges for the people at all times, but have them bring every difficult case to you; the simple cases they can decide themselves. That will make your load lighter, because they will share it with you. Exodus 18:21-22

As a republic, we elect representatives to act on our behalf and based on the will of the people. If immoral self-serving con-men are elected, there is nothing to stop them from passing laws according to their own desires against the will of the people. This is the rationale behind the  “drain the swamp” movement. (Washington D.C. was originally swampland.) Also, since the members of the Supreme Court are picked by the president, the wrong person in the White House could pack the High Court with justices that ‘legislate from the bench’, dramatically reshaping the USA into their own vision.

The three branches of Government –Judicial, Legislative, Executive– are derived from Isaiah 33:22

22 For the Lord is our judge, the Lord is our lawgiver, the Lord is our king; he will save us. Isaiah 33:22 King James Version (KJV)

The Supreme Court comes from the Bible too. The ancient Jewish court system was called the Sanhedrin. The Great Sanhedrin was the supreme religious body in the Land of Israel during the time of the Holy Temple.

Our First President was a devout Christian

1-2-291-25-Prayer at Valley Forge LC

George Washington, the first president of the United States was a devout Christian who spent two hours each day reading the Bible and in prayer on his knees , one hour in the morning, and one in the evening.

When he was inaugurated as the first president, he placed his hand upon the Bible, when he took the oath to God, he bent over and kissed the Bible and then lead the entire congress to Saint Paul’s Church  for  a two hour service of worship and thanksgiving.  

Shortly thereafter the Congress of the U.S. asked Washington to declare a National Day of Thanksgiving.

Does this sound like the actions of people who wanted their newly created nation to be devoid of religion? No! The government was designed to work hand-in-hand with biblical principles for the glory of God.  

[New York, 3 October 1789] By the President of the United States of America, a Proclamation.

Whereas it is the duty of all Nations to acknowledge the providence of Almighty God, to obey his will, to be grateful for his benefits, and humbly to implore his protection and favor — and whereas both Houses of Congress have by their joint Committee requested me “to recommend to the People of the United States a day of public thanksgiving and prayer to be observed by acknowledging with grateful hearts the many signal favors of Almighty God especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness.”

Now therefore I do recommend and assign Thursday the 26th day of November next to be devoted by the People of these States to the service of that great and glorious Being, who is the beneficent Author of all the good that was, that is, or that will be — That we may then all unite in rendering unto him our sincere and humble thanks — for his kind care and protection of the People of this Country previous to their becoming a Nation — for the signal and manifold mercies, and the favorable interpositions of his Providence which we experienced in the course and conclusion of the late war — for the great degree of tranquility, union, and plenty, which we have since enjoyed — for the peaceable and rational manner, in which we have been enabled to establish constitutions of government for our safety and happiness, and particularly the national One now lately instituted — for the civil and religious liberty with which we are blessed; and the means we have of acquiring and diffusing useful knowledge; and in general for all the great and various favors which he hath been pleased to confer upon us.

And also that we may then unite in most humbly offering our prayers and supplications to the great Lord and Ruler of Nations and beseech him to pardon our national and other transgressions — to enable us all, whether in public or private stations, to perform our several and relative duties properly and punctually — to render our national government a blessing to all the people, by constantly being a Government of wise, just, and constitutional laws, discreetly and faithfully executed and obeyed — to protect and guide all Sovereigns and Nations (especially such as have shewn kindness onto us) and to bless them with good government, peace, and concord — To promote the knowledge and practice of true religion and virtue, and the encrease of science among them and us — and generally to grant unto all Mankind such a degree of temporal prosperity as he alone knows to be best.

Given under my hand at the City of New-York the third day of October in the year of our Lord 1789.

Also in 1789, the first act of the newly created Supreme Court of the US was to have a FOUR HOUR communion service.

Furthermore, without exception:

  • The Inaugural address of every U.S.  president mentions God.
  • The Constitutions of all 50 states mention God.
  • The majority of the monuments and federal buildings in Washington D.C. contain scores of inscriptions and references to God.
  • The National motto In God We Trust is on all our money.
  • God is mentioned in our National Anthem and in our Pledge of Allegiance.         

“In this present crisis, government is not the solution to our problem, government IS the problem.”  — Ronald Reagan 

Purpose of U.S. Government

According to the Constitution’s preamble, the specific functions of the United States government are:

  1. ‘To form a more perfect Union’
  2. ‘To establish Justice’
  3. ‘To insure domestic Tranquility’
  4. ‘To provide for the common defense’
  5. ‘To promote the general Welfare’
  6. ‘To secure the Blessings of Liberty’

It is vitally important that Christians have a role and a voice in civil Government. We need to elect moral leaders who have a deep understanding of what the Bible says, and are willing to defend the Constitution.. In addition, they must have a firm understanding of business and the economy. Passing laws that hurt business and punish the wealthy are bad for the economy. Laissezfaire economics are a key part of free market capitalism. The government has no business interfering in the day-to-day operations of any business. The less the government is involved in the economy, the better off business will be – and by extension, society as a whole. 

Since Donald J. Trump was elected, he has been pushing through sweeping tax cuts and cutting bureaucratic red tape which is helping fix the economy.  I trust President Trump more than anyone else in Washington. Just because you don’t see everything going on behind the scenes, doesn’t mean it’s not happening. He is a capable leader that is slowly checking off items on the list of campaign promises he made which got him elected.  I am confident that he is going to do everything in his power to defend the Constitution and that he will Make America Great Again. A Christian man leading a Christian nation is definitely good for the county. When America blesses God, God will bless America. As always, I wish you happiness and success!  

 

LA-LA-LA! I Can’t Hear You!

The real reason it’s lonely at the top.

I have never swindled a man. At most I kept quiet and let him swindle himself. This does no harm, as a fool cannot be protected from his folly. If you attempt to do so, you will not only arouse his animosity but also you will be attempting to deprive him of whatever benefit he is capable of deriving from experience. Never attempt to teach a pig to sing; it wastes your time and annoys the pig. – Robert Heinlein  (from his 1973 novel  “Time Enough for Love”)

As I’ve stated previously, I’ve been broke in the past, and grew up poor. The reason I have risen to the level I now find myself on is because I made a conscious  decision to change my circumstances and become rich. There’s one problem with success. You can pursue it for yourself, and you can try to encourage others to follow your example, but you can’t force them to do the right thing. Just as you yourself have arrived  at the decision to make a positive change in your life, they must make their own decisions.

If you go to any large bookstore, you’ll notice that there are thousands of self-help books on the shelves. I’ve read my fair share in my personal quest to become a better man. Many of these contain simple common sense solutions. The problem is that what used to be considered common sense has been discounted as outdated or erroneous. Common sense is not as common as it once was. One thing I have also noticed is that the most successful self-improvement books all reference the greatest self-help book ever written: The Bible. That’s because timeless wisdom is timeless. I make no secret of the fact that I am a Christian first, and a Republican second. I could not be the man I man today without Jesus Christ. 

For the time will come when people will not put up with sound doctrine. Instead, to suit their own desires, they will gather around them a great number of teachers to say what their itching ears want to hear.

2 Timothy 4:3 NIV Bible

The reason I started writing InstantCoffeeWisdom sprang from a growing concern that the knowledge I’ve accumulated which has so helped me, and which I’ve tried to impart on others was being largely ignored. The more successful you become, the fewer close personal friends you will end up with. Your social circles will change drastically. Some of the people you once considered indispensable members of your clique will suddenly start to drop away. Part of this is because they are not strong enough to continue the journey with you and leave to pursue their own interests. Some will leave due to disagreements, jealousy or resentment. It’s painful to lose friends, but it’s important to let the ones who wish to leave go. You can’t force people to love you, or respect you.  Either they will want to be with you, or they won’t. This is why it is of the utmost importance to always express  your views with respect and civility towards those who disagree. Never engaged in vituperation or name-calling.  Just as it takes time to become successful, it also takes time to build a reputation.

WorldWideBlog

Always give credit where credit is due.

No man is an island, entire of itself; every man is a piece of the continent, a part of the main. – John Donne

The knowledge I pass along  thought this weekly online blog is not my own. It has been distilled over time from reading countless others, many of whom also reference one another. Over the years I’ve read and studied many wise men, and I am where I am today because I stand on the shoulders of the giants who have come before me.  I encourage you to seek out and read books by:

  • Dave Ramsey
  • Napoleon Hill
  • Brian Tracy
  • Tony Robbins
  • John C. Maxwell
  • Richard Carlson

just to name a few.

Lastly before I wrap up this week’s edition of InstantCoffeeWisdom, I want to say that I am humbled that my blog has been read by people in over 20 countries around the world. My articles are mostly financial, but sometimes include a smaller political and religious component. This is because the three hot-button topics of Politics, Economics, and Religion are all interwoven and part of the same ‘island’. I hope that you have found my mostly financial blog to be helpful, informative, and entertaining.  If you have found it to be so, please consider sharing it with your friends on social media so that they too may benefit. As Always, I wish you happiness and success.