Hope for your financial life and beyond

Launching This Year May Lead to Your Greatest Catch

Hidden Nuggets Series #72 – “Launch out into the deep and let down your nets for a catch.” – Luke 5:4

fisherman casting a netThe shallow, clear blue waters of the Caribbean are so inviting. In them you can wade a great distance from shore and never feel uncomfortable. Every step is sure because you are only in up to your knees and all obstacles can be avoided because you can clearly see the ocean floor.

Were you to wade out into deep waters however, the feeling of security would clearly change.

Deep waters are scary.

They are expansive and wide.

There are unseen objects in the deep.

There is little light to manage the obstacles.

Yet there can be great reward in launching into something big…something challenging…something overwhelming…something fraught with uncertainty.

Simon Peter, one of Jesus’ disciples learned this on one occasion. After a night of fishing without catching a thing, Jesus asked him to launch his boat one more time and let down his net. After some mild complaining, Peter reluctantly obeyed.

The Result of Peter’s Launch

[Read more…]

32 Billion In Est. Profits: The Amount Generated by Human Trafficking

Hidden Nuggets Series #71 – “Open your mouth for the mute, for the rights of all the unfortunate. Open your mouth, judge righteously, and defend the rights of the afflicted and needy.” – Proverbs 31:8-9

boys carrying logs on train trackEach year I download a free calendar template from Microsoft to schedule my blog posts. I’ve found it really helps me plan ahead and keeps me focused on finishing my content. Nothing says “Get er done!” like an open publish date on a calendar for which you have not yet written a post.

The template comes coded with special dates highlighted each month. There are the obvious ones like all your major holidays. But they also include “awareness days” like International Woman’s Day (Mar. 8th), International Picnic Day (Jun. 18th), International Left-Handers Day (Aug. 13th) and World Vegetarian Day (Oct. 1st). Curious how nobody cares about men like me who like to eat steak with our right hand at the dining room table.

Those are fun awareness days to be sure but one day stood out to me as taking on a more serious tone. January 11th is Human Trafficking Awareness Day.

Human Trafficking: A Global Problem

I don’t want to come off in this post as someone who routinely has championed for the victims of human trafficking. I’ve never taken up the cause even though I’ve been generally aware that it’s an issue that impacts certain parts of the world more than others. But that little tickler posted on Jan. 11th in my calendar template got me looking into the issue a bit. I can’t help but tell you I was surprised at the depth of the problem.

[Read more…]

Your Do-Over Moment Is and Isn’t a Big Deal

Hidden Nuggets Series #70 – “Now the Lord had said to Abram: ‘Get out of your country, from your family and from your father’s house, to a land that I will show you.'”  – Genesis 12:1

sign reading "now is the time to start"The clock has turned on 2015 and once again a new year stares us in the face. Some relish this flipping of the calendar in anticipation of all that awaits them in the future. For others who experienced failure and multiple setbacks in the past year it’s simply a reminder they’ll have to start over. And lets face it, starting over is never easy to do.

Starting over is a big deal. However, sometimes we make it too big a deal. We get so worked up about the prospects of having to start from scratch that we can’t function. Our fear, worry and uncertainty about beginning again actually serves to hold us back. We get more overwhelmed than we probably should.

You may think your “starting-over moment” is the biggest deal in the world. I got news for you…it isn’t. We’ve all had a do-over moment where we swiped everything off the table and started with a clean slate.

But it’s fair to say your starting over moment is a big deal to you and well it should be. It’s your life. Just don’t become overwhelmed by the magnitude of it, believe you won’t succeed with it or that nobody understands what you are facing. Many have gone before you who had to start over and reaped rewards from their new life.

Bible Characters Who Faced Big Starting Over Challenges

I draw great encouragement on this issue in the pages of the Bible. We sometimes view the lives of Bible characters as working out perfectly when in reality they did not. They all faced the same life issues you and I do and were required to start over at some point. Consider these life issues and the people they impacted:

[Read more…]

Pushing Against Evil: I Have My Basketball Goal Back!

Hidden Nuggets Series #68: “Who will rise up for me against the evildoers? Who will stand up for me against the workers of iniquity?” – Psalm 94:16

Superman fighting Lex LuthorSeveral weeks ago I wrote about being robbed and how we were dealing with the theft of a portable basketball goal at our house. After some investigation on my own, I discovered that the neighborhood kids in the subdivision behind ours took the goal and had placed it in their subdivision’s park area. The big complication to the whole situation was that the subdivision directly behind ours is in another county.

Because I didn’t have proof like a model number for the goal or any personal identifying marks inscribed on it, our local police would not cross jurisdictions to retrieve the stolen property. So we were left frustrated about what to do.

In the end we felt resigned to let the issue rest. It seemed dangerous to retrieve the goal ourselves in that it might incite the teens to take some further action against us. The wise course of action was to just chalk this up as one of those unfortunate life situations that you are forced to stomach.

Before we closed the book on the case though, we had one last route to consider (which some commenters here suggested). Now I’m glad we decided to push back just a little bit more.

How We Got Our Goal Back

[Read more…]

The Hidden Issue Behind the Best-Laid Plans

Hidden Nuggets Series #66 – “…you do not know what will happen tomorrow. For what is your life? It is even a vapor that appears for a little time and then vanishes away…” – James 4:14

“Mary, I know what I’m going to do tomorrow and the next day and next year and the year after that. I’m shaking the dust of this crummy little town off my feet and I’m going to see the world. Italy, Greece, the Parthenon, the Coliseum…then I’m coming back here and go to college and see what they know, and then I’m going to build things…”

george bailey and mary hatchSounds like this man is going to have a wonderful life. His path is clear. His steps are ordered in sequence. His vision is grand.

Yet, the movie character George Bailey never saw how life might disrupt his best-laid plans. He wasn’t anticipating any curveballs, like the impending tragedy coming to his family…that he’d take over the Building and Loan…that he’d give his college money to his brother Harry…that Harry wouldn’t want to take George’s place at the building and loan…that he’d marry Mary…that he’d use his honeymoon money to solve an economic crisis…that he’d face personal financial ruin over no fault of his own.

Funny how life chews up our plans, spits them out and declares, “Take that!”

George didn’t accomplish any of the dreams hatched in his young adult mind. But that doesn’t mean he never should have planned. Planning is vital for success. Maybe he could have been less arrogant though by understanding who it is that really orders our path. That’s the hidden issue behind our plans…they are subject to the one who knows what the future holds.

A Better Perspective on Planning

In the Bible, these words from the apostle James bear this idea out,

[Read more…]

There Can Always Be Redemption

Hidden Nuggets Series #64 – “For with the Lord there is mercy; and with Him is abundant redemption.” – Psalm 130:7

Andy Dufresne Recently I’ve been talking about some topics that are all interconnected: dealing with failure, making mistakes and asking for help. I’ve been in a reflective mood as 2014 comes to a close. Some great things happened this past year but like the rest of you there are some things that I wish had happened differently.

In my younger days I used to think that every mistake was the end of the world – that there could be no recovery from big time failures. I’m realizing more and more the folly of that line of thinking. There is always room for redemption no matter how hard we might fall.

Not that redemption would come easy mind you. It could be the toughest of challenges to redeem yourself in the eyes of others who have seen you fail. Trust, confidence in and respect for would all have to be earned again.

The possibility of redemption remains a possibility though. Those who understand that can move on. Those who don’t, sink only deeper into an emotional despair. This can be clearly seen in the lives of two of Jesus’ followers who both made mistakes and took completely different routes in dealing with them.

A Story of Redemption

[Read more…]

Moments Like This Make Blogging Worth It

What drives a blogger to write?

map of the PhilippinesIn my 2+ years of blogging myself and after reading countless other blogs during that time, I’ve concluded there are three reasons why someone would start a blog:

  1. To make money
  1. To make a difference
  1. To share details about their life

In broad terms that pretty much covers it. However, it’s not an either or proposition. A blogger could narrow their focus to one of these tasks or accomplish all three at once. It simply depends upon that person’s goals and objectives.

I’m going out on a limb to say in the field in which I write (personal finance), the overwhelming majority of bloggers would concede reason #2 has to be a part of what drives them. How can I say that? Because I’ve read their blogs and personally talked with them and this issue always comes up.

We are – somewhere deep down in our nature – desiring to see the things we talk about help other people with their finances.

So we do what we can to reach as many people as possible. And the other day I got a message from an unexpected source that made me realize – really for the first time – that what I’m doing is worth it.

You’re Writing From Where?

[Read more…]

4 Large and Small Nonprofits I Support Who Are Doing Incredible Work

Hidden Nuggets Series #63 – “Go and do likewise.” – Luke 10:37

When my wife and I developed a giving plan in an effort to be more intentional with our giving, we committed to do more than give regularly to our local church. Our first step was to discuss what each of us valued. We then tried to find non-profit organizations whose mission and execution of that mission connected with our values.

give In those discussions we concluded that one of our goals would be to always give to something locally or at least within our region. These donations would help keep us in touch with the needs of our community. They would most likely be to smaller organizations who could definitely use our support.

At the same time, we also wanted to support organizations with a global reach that would have the potential to impact tens of thousands of people. By doing this we felt some of our money could be leveraged by these bigger organizations so that it could have the greatest potential return on our giving investment.

As we enter the heart of the holiday season of the next couple of months, I’d like to encourage you to consider your year-end giving strategy. Non-profits everywhere will be serving people in need and none of that can happen without the support of donors like you and me.

To that end, I’d like to share some non-profits my wife and I have been connected to in our giving and ask you to consider how you might be able to help them, or one’s like them in your local community, fulfill their calling.

Samaritan’s Purse

[Read more…]

The Government Won’t Solve Your Money Problems

In case you didn’t know, tomorrow is a mid-term election day in the U.S. If you live here I really don’t understand how you could not know it’s a voting day given the emphasis placed on it by the news media and advertising groups for months now. It should be interesting given the frustration many people in both parties are having with functioning of the current government.

Capitol Hill Everyone has their reasoning for why they chose to vote or choose not to vote. That reasoning can easily turn elections to one side or the other. In the past presidential election, we now know that 4 million conservatives stayed home, choosing not to vote. That groundswell of opposition and apathy towards their candidate followed by their subsequent inaction when it came to voting turned the election for the incumbent.

Whatever your political persuasion, I hope your beliefs are deep enough that money isn’t the only consideration when it comes to choosing an elected official. Too often voters only vote with their wallet, casting a ballot for the candidate they think will improve the economy, thus making their financial life better off than it currently is. I’m not saying the issue of improving the economy should be ignored. We just can’t base our entire decision on that one factor.

Money isn’t everything.

The Government and Your Money Problems

[Read more…]

On How to Keep Moving On After Failure

Hidden Nuggets Series #62 – “I would have lost heart, unless I had believed…That I would see the goodness of the Lord in the land of the living. Wait on the Lord; be of good courage, and He shall strengthen your heart…” – Psalm 27:13-14

Like some of you I’ve been watching the World Series for the last two weeks. My team is not in it so I’m not 100% engaged. But Kansas City is a fun, Cinderella story and my uncle likes San Francisco so I have a passing interest in what is going on.

moving onWhat’s always intrigued me about baseball is how these men deal with failure. Imagine if you failed 75% of the time you tried to accomplish something. Hard to fathom isn’t it? You’d probably give up and at the least have a negative perception of yourself.

Yet that’s what happens to the average baseball player. A .275 batting average is considered respectable in the Major Leagues. Those who hit over .300 for 20 years likely have a chance at the Hall of Fame. It’s remarkable that those enshrined as the game’s best were beaten by the pitcher 7 out of 10 times.

In order to deal with that much failure I’ll bet they have several things going for them:

a short memory…

confidence…

stubbornness (to continue)…

and belief.

Where Does Your Strength to Believe Come From?

[Read more…]

No One Can Serve Two Masters

Hidden Nuggets Series #61 – “No one can serve two masters; for either he will hate the one and love the other, or else he will be loyal to the one and despise the other. You cannot serve God and mammon.” – Matthew 6:24

you cannot serve two mastersAnakin Skywalker had a choice…the good or the dark side. He found out you cannot serve two masters.

Ben Hur had a choice…his Jewish heritage or Rome’s agenda. He found out you cannot serve two masters.

Scrooge had a choice…profit or Christmas. He found out you cannot serve two masters.

Choices pit one side against another. They require us to move decisively in one direction. You pick a side and go with it, all the while hoping for the best.

There is no middle ground.

There is no playing both sides.

There is no giving 100% to both agendas.

Why You Cannot Serve Two Masters

[Read more…]