Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Friday, June 6, 2008

Are You A "Hypermiler"?


A what?

A hypermiler.

Yeah, just as I suspected...the spell checking mechanism on my web browser doesn't like that word. That's because the term "hypermiler" is relatively new to the English language. I suppose it's slang at this point, but with gas prices soaring over $4 per gallon and inching ever closer to the $5 mark, it's a term that is working it's way into the vocabulary of an increasingly large number of people.

So what is hypermiling? According to an August 2006 story in the Washington Post, it is a method of increasing your car's gas mileage by making skillful changes in the way you drive, allowing you to save gas and thereby have an easier time withstanding the rising oil and gas prices.

It involves techniques such as slowly accelerating from stops, coasting to red lights and stop signs by shifting into neutral well ahead of time, and actually going under the speed limit from time to time.

When I first heard of this concept, I laughed and jeered like a typical "too cool for school" person. When I looked at our budget and realized Kelly and I are consuming $400+ per month in gasoline, I took another look. So, beginning yesterday, I started hypermiling! So far (according to my on-board computer), I'm saving about three to four miles per gallon thanks to my new driving style. When this is computed using the current $4 per gallon, I am saving between eight and nine dollars per tank of gas. Not bad at all.

Believe me...these hypermiling techniques are difficult for me to adopt. I'm not a speeder, but I do like to get up to speed quickly. Not any more. Shifting into neutral a quarter mile away from a traffic light goes against my instincts, but now I find myself making a bit of a game out of how far I can coast. And going under the speed limit? Well, I try not to do this when someone is behind me on a one lane road...that's just inconsiderate since everyone is not a hypermiler. But if I'm on a multi-lane road or nobody is behind me, I may find myself putting along at 35 miles per hour in a 45 mile per hour zone! Add to all this the fact that I'm going to try and ride my motorcycle more (once these 100+ degree days leave), and I figure to be saving significant amounts of cash!

What this all comes down to is a change of habits. If it is different results we desire, it is different actions we must take. Albert Einstein once said the definition of insanity is doing the same thing over and over again and expecting different results.

The same holds true with any other area of life. Are your habits in keeping with God's word? Do your daily actions take you one step closer to heaven, or hell? Both destinations are very real places that will exist forever. You and I are inching ever closer to eternity with every passing day. In the example of hypermiling, it is causing me to go against what I've always done behind the wheel of a car....and it's very challenging at times. But I know this...if I keep on doing what I've always done, I can expect similar results!

If your style of living is taking you down the broad way that leads to destruction, the only way to veer off that deadly course is to change your way of life!

Enter by the narrow gate. For the gate is wide and the way is easy that leads to destruction, and those who enter by it are many. For the gate is narrow and the way is hard that leads to life, and those who find it are few.
Matthew 7:13-14, ESV

Why are there so few that enter the gate that leads to life? Jesus said it is due to the fact that it is "hard." Heaven's road requires giving up some things we may not want to give up. It demands full allegiance and submission to Christ as King. Grace that leads to salvation is given to all (Titus 2:11), but only a few accept it.

If you are on the path that leads to destruction even now, will you make a u-turn by repenting and obeying the will of the Father? If you are living outside of Christ, and if you continue to live outside of Christ, you can expect to be in a similar situation in eternity -- that is, separated from him in outer darkness, where there is weeping and gnashing of teeth (Luke 13:27-28).

It is my earnest hope that you will submit to the Lord today -- for yesterday has been lost, and tomorrow may never be.

r2

Wednesday, April 16, 2008

364 Days To Go!


The countdown is on: only 364 more days until the deadline for filing your 2008 tax return!

As a kid, April 15th was just another day for me. Then came high school and college where I got a little taste of what it meant to pay income tax (only to get it all back at a later date). Once adulthood rolled around, I understood all too well the groans of dread and despair.

I found a fascinating collection of little known facts concerning the history of taxes, both around the world and in the United States. Some of these are amusing, but I must warn you, others may make you want to pull your hair out!

Did you know...

  • The first record of tax collectors were depicted in ancient Egyptian tomb paintings from around 2000 B.C.
  • Roman Emperor, Nero, levied many odd taxes including one on urine (Romans collected urine from public latrines to be used for tanning leather).
  • In A.D. 1404, the British Parliament passed the world's first income tax. It was so hated that after its repeal, all records thereof were burned.
  • In order to westernize Russia, Peter the Great imposed a tax on beards -- which he considered a "ridiculous ornament."
  • During the French Revolution, King Louis XVI's tax collectors were rounded up and beheaded on the guillotine.
  • In 1792, the U.S. imposed a "sin tax" on whiskey, sparking the "Whiskey Rebellion."
  • To finance the civil war, the U.S. Congress instituted the first income tax in 1862. It was meant to be temporary.
  • In 1943, the withholding tax on wages was introduced. Within two years, the IRS's earnings went from $60 million to $43 billion!
  • The Declaration of Independence has 1,337 words -- the Bible has 773,00 words -- today's tax laws top 7-million words.
  • In 2005, Americans worked 70 days just to pay off federal taxes, and another 37 days for local taxes.
  • Each year, the IRS prints nearly 8-billion pages of forms and instructions. That's enough to wrap the earth 28 times.
  • An estimated 300,000 trees are cut down each year for IRS forms. That number is shrinking due to e-filing.
  • With 114,000 employees, the IRS is twice the size of the CIA and five times as big as the FBI.

At this point, this could very easily devolve into a political rant regarding the immense sums of taxpayer money wasted by the U.S. government. However, this is not a political blog. What can we glean from this spiritually?

Keep in mind the Roman government of Jesus' day taxed its own citizens heavily. No doubt, first century Christians did not agree with much of what was being done with their hard-earned money. Tax collectors were despised more in those days than any IRS agent in our own. Nonetheless, what did Christ teach in regard to paying taxes?

And they sent to him some of the Pharisees and some of the Herodians, to trap him in his talk. And they came and said to him, "Teacher, we know that you are true and do not care about anyone's opinion. For you are not swayed by appearances, but truly teach the way of God. Is it lawful to pay taxes to Caesar, or not? Should we pay them, or should we not?" But, knowing their hypocrisy, he said to them, "Why put me to the test? Bring me a denarius and let me look at it." And they brought one. And he said to them, "Whose likeness and inscription is this?" They said to him, "Caesar's." Jesus said to them, "Render to Caesar the things that are Caesar's, and to God the things that are God's. And they marveled at him.
Mark 12:13-17, ESV


Believe me...I know vitamins I,R, and S can be bitter pills to swallow. But the teaching of our Lord in this matter is clear. The disciples of Jesus are to abide by the system of taxation imposed by the nation in which they live. Moreover, we are to do so honestly.


r2

Friday, April 4, 2008

Endless Stuff


Recently while stumbling around the "information superhighway," I came across one individual's list of the strangest items ever sold on eBay. These are merely the opinions of that author, but I am in agreement...these are some strange items...and they actually sold for real money on "the Bay." So, without any further ado, I give you the strangest items ever sold on eBay:

Girlfriends: Some girls auctioned their services as 'imaginary girlfriends', who would send the winning bidder pictures of themselves and loving letters, which they could use to pretend they had a girlfriend.

Wedding dress: Nothing strange about selling a wedding dress, you might think - but this was the guy's ex-wife's wedding dress. And he modeled it, as well as writing a long screed about his ex-wife in the description.

TV part: Producers on the TV show Ally McBeal once used eBay to auction off a walk-on part on the show.

Kidney: One man tried to sell his kidney on eBay - after all, you only need one, right? Unfortunately it's illegal to buy or sell human organs. Good thinking, though.

Toenail clippings: A girl once sold her toenail clippings on eBay, one clipping from each toe. She got a $1 for the set - a low price for the years of joy they no doubt provided to the buyer.

Britney's gum: Someone picked up Britney Spears' chewed gum at a London hotel and decided it'd be a great thing to sell on eBay. Oddly enough, they were right - they got $263 for it. A Britney fan probably has it framed in their house.

Ghost: Yes, a ghost. In a jar. Well, why not? The ghost was, apparently, 'terrorising' the man who owned it, and so he decided to capture it and sell it on eBay to someone who might be able to give it a better home.

Virgin Mary sandwich: A seller offered a grilled cheese sandwich upon which the Virgin Mary had appeared to her - and the strange thing is, she genuinely seemed to believe it. This item, unbelievably, sold for $28,000. Some people just have too much money to waste, don't they?

Fighter jet: A state brokerage in Virginia sold a U.S. Navy F/A-18A Hornet jet fighter on eBay for just over a million dollars. It was, unfortunately, in pieces and so unusable, but they offered to put it back together and make it ready to fly for the low, low price of just another $9 million.

So there you have it. Pretty odd, huh? It would seem there is virtually no end to the variety of items people will sell....and, perhaps more surprisingly, BUY!

The Bible says...

When goods increase, they increase who eat them, and what advantage has their owner but to see them with his eyes?
Ecclesiastes 5:11, ESV


An increase of property almost invariably brings an increase of expense. This is not to say that it is sin to own some things...even some nice things. The point within the context of the book of Ecclesiastes is to show the vanity in piling up "stuff" while turning a blind eye to the inevitable outcome of all things material.

All will be left behind...even the precious few knick-knacks we find in our possession at the end of life. Not to mention the things we just "had to have" at some point, only to be peddled for pennies on the dollar at a yard sale, or the items which now rest beneath thousands of tons of other people's "stuff they had to have" at the bottom of some landfill.

The point to draw from these thoughts and the crazy list of eBay sales above is that you and I will be wise to keep this world and its wares in proper perspective. Yes, enjoy the plastic and wooden blessings of life and be thankful for them. However, keeping proper perspective of these corruptible materials will be essential in inheriting the incorruptible possession in heaven that awaits those who love the Lord.

r2

Wednesday, March 19, 2008

What Are You Worth?


It has been estimated that if a man were reduced to his constituent chemical elements, he would be worth approximately $54.

Reflecting on a man's worth on the spiritual plane, however, every man is of infinite worth! Jesus asked,

For what will it profit a man if he gains the whole world and forfeits his own soul? Or what shall a man give in return for his soul?
Matthew 16:26, ESV


So, friend, if you ever find yourself attached more to the physical portion of your existence, just remember where your true value lies!

r2

Wednesday, December 12, 2007

The "Prosperity Gospel": Reaping What They Have Sown

Hundreds of millions of dollars, millions of viewers, thousands of church members, and two divorces.


If you were to turn your television to channels such as the Trinity Broadcasting Network (TBN), INSP (The Inspirational Network), or The Word Network, you would see men like Rod Parsley, Creflo Dollar, Kenneth Copeland, T.D. Jakes, Benny Hinn, and women such as Joyce Meyer, Paula White, Juanita Bynum just to name a few.


You would more than likely not see these individuals preaching about the tragedy of sin, the good news of salvation in Christ, the need to worship God in spirit and in truth, or any other Biblical doctrine. The odds are that you would hear a motivational speech on wealth and prosperity.


In what has become known as the "Prosperity Gospel," these and other neo-Pentecostal charlatans have convinced the world that God wants all believers to be exceedingly wealthy. The sentiment is that if you are not financially rich, you are doing something wrong. The sermons invariably consist of either no Scripture whatsoever, or a sprinkling of Scripture taken woefully out of its rightful Biblical context.


Recently, two very prominent married couples in the "health & wealth" movement announced they were filing for divorce. Kenneth Weeks and his wife, Juanita Bynum, are in the midst of a bitter divorce that has quickly become a public spectacle. These two "preachers" were married in what their church called "the wedding of the century," the tab for which exceeded $1-million in 2003. This couple was famous for their marriage and couples retreats wherein they supposedly bestowed the secret to marital bliss to those in attendance.......for a hefty fee, of course. Now, after less than four years of marriage, they are divorced.


Randy and Paula White of Without Walls International Church in Tampa announced their intention to divorce in August of this year. I have personally been very well acquainted with the Whites' dealings since I grew up in the Tampa Bay area of Florida. They have been fixtures in both the Tampa Tribune and the St. Petersburg Times for their shady financial dealings and dishonest ways.


The Whites' Tampa home on Bayshore Boulevard (one of the most exclusive parts of town) has an assessed value of more than $2.22-million. They also have substantially expensive homes in San Antonio, Texas, New York City, and Malibu, California. Now, really...how many mansions does a preacher need?


I recall an article in the Tampa paper several years ago wherein Mr. and Mrs. White flaunted their expensive homes, automobiles, and wardrobes, saying God was using them to show believers everywhere how He wants to bless their lives.


My friends, the preachers of and adherents to the "Prosperity Gospel" are finally beginning to reap what they have sown. These two cases come in the wake of Richard Roberts' (son of Oral Roberts) scandal, wherein it was shown he and his wife had been using millions of dollars of university funds for lavish homes and vacations. And yet, despite all the dishonesty and transparent greed, these figures are still as loved today by most of their followers as Jim and Tammy Faye Baker were in their own day.


My friend, whether it be in this life or that which is to come...



Do not be deceived: God is not mocked, for whatever one sows, that will he also reap. For the one who sows to his own flesh will from the flesh reap corruption, but the one who sows to the Spirit will from the Spirit reap eternal life.
Galatians 6:7-8, ESV



And this is precisely the problem: The preachers and peddlers of the "prosperity gospel" are sowing to their own flesh. They are corrupt, and will in turn reap corruption. May we reach all we can with the TRUE gospel...the one that contains the power of God to salvation (Romans 1:16)!


r2

Wednesday, November 21, 2007

"Black Friday": Be Wise This Year


Black Friday is just around the corner. Just in case you are not familiar with the term, it is also known as the day after Thanksgiving.

The origin of Black Friday comes from the shift to profitability during the holiday season. Black Friday was when retailers went from being unprofitable, or "in the red," to being profitable, or "in the black", at a time when accounting records were kept by hand and red indicated loss and black profit.

For many though, the term has come to mean something quite different: Black Friday is the day when already holiday-weary shoppers brave the throngs of shoppers in an effort to find the best deals of the season. More than 100-million shoppers will bite, gouge, and claw their ways (figuratively speaking, of course!) through masses of humanity and merchandise to get an early jump on their holiday gift list.....and this is just the way many of these folks would have it!

If you are not an avid shopper, this may come as a surprise. Yes, I've known and have been related to quite a few men and women who thrive in such environments. But no matter where we are this Black Friday and throughout the entire holiday season, there is something we ought to think about: Exercising financial wisdom.

In her book "Debt Proof Living," consumer financial expert and personal finance coach, Mary Hunt, gives a list of debt trap warning signs:



  1. You are living on credit
  2. You pay your bills late
  3. You are not a giver
  4. You are not a saver
  5. You dream of getting rich quickly and living an extravagant lifestyle
  6. You worry about money
  7. You overspend your checking account


Where is the wisdom in loading up our credit cards in December and paying finance charges we cannot afford until the next holiday season rolls around? Overextending oneself financially takes a toll mentally, physically, emotionally, and spiritually. Financial crisis is always near the top of the list in causes of divorce.

Why not take care of the problem before it can even arise? Be wise this holiday season. Do not overextend yourself. Do not talk yourself into believing what many retailers want you to believe...namely that your family and friends will be disappointed if you do not lavish upon them expensive gifts.

There is much more that could be said about this. The Bible has much to say in regard to God's people exercising wisdom in finances. I will leave it at this:


"The rich rules over the poor, and the borrower is the slave of the lender." (Proverbs 22:7, ESV).

r2