“Why is God Allowing this to Happen to Me?”

April 8, 2009

As people walk away from homes that are in foreclosure, or are dismissed from jobs that they have enjoyed for years, some may be asking the question, “Why is God allowing this to happen to me?”foreclosure

Some people are at a loss on how they will pay the bills, or put food on the table for their family.Make no mistake about it, when you have no means by which to meet your responsibilities it can add a tremendous amount of stress to your life.

9 years ago, to no fault of my own, I lost a good job that provided well for my family.I was informed about the layoff on Friday and on Sunday my wife informed me that we would be having our 3rd child in a few short months.

As a Christian I took this in stride, knowing that God would provide for us just as He always had.I would find another job and life would continue just as it always had.

3 months later, we were broke and I was still out of a job.I discovered later that when employers found out that I was on layoff and would be returning to my old job at a better salary that they had no interest in me…except for one company.

hog-processingThe local Hog Processing Plant would take nearly anyone who was willing to work.Reluctantly I took the job and began working on the “kill floor” on the maintenance crew.When I first started I wondered how I would ever get past the smell of death in the air, but soon found out that the smell was the least of my worries.

My first day on the job a “jaw pulling machine” got jammed with a hog jaw and it took 3 of us pulling on a pry bar for 10 minutes to unlock the machine.No sooner that we were done with that we had another call to a conveyor belt.

We literally had to run to the conveyor belt (sliding on “who-knows-what” on the floor), where we found that the belt was stuck because hog guts were jamming the line.Since it was my first day on the job I got the honor of crawling on my stomach under the belt where I pulled the innards out of the machine.Luckily it worked.

On breaks I changed bloody saw blades.When machines broke down I did whatever it took to get those machines up and running again.I learned to become a master plunger when blood and guts clogged the pipes.And I did it all for less then half of my former salary.cut-money-in-half

At home bill collectors were calling because we simply couldn’t pay our minimum payments.We struggled by, paid what we could and lived on next to nothing.Thankfully the Lord provided for us through the kindness of others.Around Christmas we received an anonymous envelope in the mail with money, a gift from a brother at our local church no doubt.Family members occasionally would provide groceries.This was very humbling and appreciated all at the same time.


Eventually God opened other doors and this time period in my life was over.When we were going through that time, it seemed as if it would never end.It was a painfully tough, pride swallowing time for me and my wife.However I thank God for that time in our life.

It was when we were struggling to make ends meet that we learned some very important lessons about life.We learned the value of a dollar.We learned about the pitfalls of debt.We learned that God does provide exactly what we need exactly when we need it, even if we don’t want it.

I also learned that God is sovereign.It didn’t matter what I wanted, it didn’t matter what I did.God’s will be done.It was His will for me to work at the Hog Processing Plant, and I had to  just bow to the will of the  King.

That brings me back to the question that we started with.“Why is God allowing this to happen to me?”Perhaps we are not asking the right question.

Perhaps the question should be something like this.“Why has God given me, a rotten sinner, anything?”The only thing that we sinners deserve is death, Hell, and destruction.


I am convinced that if I had not lost my job 9 years ago and went to work at the Hog Plant that I would be making the same foolish mistakes today that I made then.I would be spiritually stagnant and my relationship with Christ and my family would be infantile.

Why is God allowing this to happen to you?Who are we to question God?Consider what God says to Job in this passage from Job 38 1-4.

“Then the Lord answered Job out of the whirlwind, and said, who is this that darkeneth counsel by words without knowledge?Gird up now thy loins like a man; for I will demand of thee, and answer thou me.Where was thou when I laid the foundations of the earth?declare, if thou hast understanding”


U.S. Already Bankrupt

March 23, 2009

The stock market has shown 2 consecutive weeks of gains.  Are we beginning to see the greatly anticipated bottom of the market, or is this just the Federal Reserve and the government artificially inflating our economy again?  Unfortunately most of the “pro’s” think that we are still in deep water.   I found the following headlines on CBNC.com stock-market-roller-coaster2

  • US is Already ‘Bankrupt’ Technically

The U.S. is already “bankrupt” because it has a debt that is almost four times the size of its economy, says Puru Saxena, CEO of Puru Saxena Wealth Management. He tells CNBC that the U.S. is at risk of hyperinflation.

  • federal_reserve_board_of_governors1Fed to Buy Treasurys is Not a Good Sign

Stephen Roach, chairman for Asia at Morgan Stanley does not view the Fed’s plan to buy $300 billion worth of long-dated government debt as a constructive sign for prospects going forward.

  • Fed’s Move Unlikely to Help Economy

The Fed pumping money into Treasurys won’t help, says Martin Weiss, president of Weiss Research. He also discusses what can be done to turn the US economy around.

  • The US Stuck in Zero-Rate Mode?

America is arrogant to deny their similarity to Japan’s economy, says Stephen Roach, chairman for Asia at Morgan Stanley. He tells CNBC that the US economy is in a “zero-interest rate” mode, like Japan.

  • Quantitative Easing & the Fed’s Balance Sheet

Thomas Lam, vice president and senior treasury economist at UOB, says the Fed’s latest moves such as to buy long-dated Treasurys will stretch its balance sheet and pump more liquidity into economy.

  • The Fed’s Recent Moves are Right

“This decision to purchase long-term assets, mortgages, long-term treasury securities, is the right thing to do. The Fed would clearly rather err on the side of inflation rather then depression,” said Dennis Gartman from the Gartman Letter. He also touches on the housing market in the US as well as the TALF.

  • Tackling US Economy

Housing problems need to be tackled before the U.S. economy can pick up, according to Adam Carr, senior economist at ICAP.

  • 2010: ‘Real Peak of the Crisis’

“We are going to see real problems in 2010 when the Fed and all the other governments which issued stimulus packages are going to try to reabsorb some of that liquidity,” Nicu Harajchi, CEO & Founder of N1 Asset Management, said Thursday. He considers whether the Fed’s latest move will work.

  • Fed’s Actions Bode Well for Asia china_worker1

The Fed’s bold moves to support the U.S. economy is good news for Asia, believes Yuwa Hedrick-Wong, economic advisor at MasterCard Worldwide.

  • Redirecting China’s Foreign Investments

China is unlikely to unload their dollar-denominated reserve as such a move will only hurt themselves at this point, says Yuwa Hedrick-Wong, economic advisor at MasterCard Worldwide. He tells CNBC how its foreign investment strategy may change.

  • China Needs Internal Demand

China needs to change its structure to an internal demand driven economy, says Stephen Roach, chairman for Asia at Morgan Stanley. He tells CNBC that China is hugely dependent on external demand as a major source of economic growth.

  • ECB in “Splendid Isolation”

The ECB should be out there pumping money into the system, says Paul Donovan, MD & head of global economics at UBS. He tells CNBC that the central bank is sitting in “splendid isolation”.

  • More Pain Ahead for Europe

There is no cause for optimism in the medium term, despite the better-than-expected data from the ZEW survey, says Par Magnusson, senior analyst at Danske Bank.

  • UK Due for Inflation Spike?

inflation1The UK economy is facing higher inflation down the road, Andy Hartwill from Quasar told CNBC, as Britain posted its highest ever budget deficit Thursday.

  • Deflation Will Hit Mid-Year

Deflation is a near-term risk that may hit global economies in the middle of the year, warns Paul Donovan, MD & head of global economics at UBS.

  • Preventing Runaway Inflation

When liquidity floodgates open, global central banks will have to sterilize very aggressively and in time to prevent runaway inflation.

Source:     http://www.cnbc.com/id/29769858

The Debt Stacking Plan to Financial Freedom

November 3, 2008

If you find yourself in debt and want to free yourself of those bonds, debt stacking may be a strategy that you can use. It is not a quick fix, or a consolidation loan. It is a strategy that will help you to gradually make progress on paying off your debts. If you owe thousands more than you make per year then you can safely assume that it may take years to pay everything off.

Before I get into the plan I want to make it clear that living a debt free life is a lifestyle change for most people. You will actually need to start living the debt free lifestyle before you become debt free. It may be quite the shock to your system, and if you have a family that spends you will also need to get them on board to this change.

OK. The best way for me to explain debt stacking is to show you an example.

You owe the following.

Visa $2,300 Your monthly payment is $50

MasterCard $4,500 Your monthly payment is $75

Sears $5,000 Your Monthly payment is $100

Minivan $12,000 Your monthly payment is $275

Truck $18,000 Your monthly payment is $350

Home Equity $25,000 Your monthly payment is $350

1st Mortgage $80,000 Your monthly payment is $900

Total Debt $144,500 Your total monthly payments are $2,100

The strategy involves paying off the smallest debt first and then taking what was paid on that debt and applying it to the next smallest debt until it is paid off, and on down the line.

STEP #1 Pay off the VISA. It is the smallest debt and will free up an extra $50 per month to apply to the Master Card. If you are able find an extra $100 per month in your budget to apply to this debt. Take on a part time job if you can but it is very important to pay off this first debt as soon as possible. Let’s assume that you do find an extra $100 per month and apply it to the VISA. You can now pay off that VISA in approx.

It will take you approx. 16 months to pay off this debt. Yep that is a long time, but you have made progress. Now you can concentrate paying off the MasterCard, in which you now owe approx. $3500.

STEP #2 You can now pay $225 per month on your MASTERCARD. At this rate you will have the $3500 paid off in approx. in another 16 months. You have now been in this program for 32 months.

STEP #3 Payoff SEARS. You now owe them approx. $2500, but you can start paying $325 per month on that debt. SEARS is paid off in approx. 8 months. You now are free from credit card debt!

STEP #4 Payoff the MINIVAN. By this time you probably only owe about $4,000 on the MINIVAN, and you can now pay $600 per month on this debt, so it will be paid off within 6 months. You have now been in the program for 46 months, and you owe for your truck, home equity, and 1st mortgage.

STEP #5 Payoff the TRUCK. You probably now only owe about $3000 on your truck, and you can now pay $950 per month on this debt so it will be paid in full within 4 months. You have been in the program for 50 months.

STEP #6 Payoff the HOME EQUITY. By this time you can see the light at the end of the tunnel. Also by now you can fully understand the imprisonment that debts bring to your life. But thank God you have made the decision to become free.

By this time you will owe approx. $15,000 on your HOME EQUITY and you can now pay $1,300 per month. You will have this debt paid off in approx. 12 months. You have now been in the program for 5 years and have paid off $64,500 in debt! AND you are down to 1 debt.

STEP #7 Payoff the 1ST MORTGAGE! By now you owe approx. $72,500 on your mortgage, and you can pay $2200 per month on this debt. At this rate you will have your 1st mortgage paid off in approx. 50 months. Congratulations you are debt free

You have gone from being buried in debt to debt free in less then 10 years. You didn’t need a consolidation loan, and you didn’t need to file bankruptcy. You just needed a plan, the right attitude and some patience.

You earned your freedom from slavery in less then 10 years!

One Nation Under Slavery

October 30, 2008

“The rich ruleth the poor, and the borrower is servant to the man that lendeth.” Proverbs 22:16 “Owe nothing to any man…” Romans 13:8

“No servant can serve two masters; for either he shall hate the one, and love the other: or else he shall lean to the one, and despise the other. Ye cannot serve God and riches.” Luke 16:24

The curse of debt is like a plague that has infested nearly every house in the nation. It drives mothers from homes and away from their children. It forces fathers to work long hours in jobs that do not inspire them. It removes children from their homes and from their parents for most of their waking hours. It affects nearly every person in every household in our land.

It may be wise here to define what is meant by debt. Debt is borrowing money to purchase things that we want now, but cannot afford to pay for until later, if at all.

Debt makes slaves. When a person borrows money to purchase a house, a car, a boat, or any other item that they cannot afford, they are in essence asking to become enslaved to the item. In many cases this enslavement to possessions lasts an entire lifetime. It starts when most kids graduate from high school and go on to college. They enslave themselves with student loans that will take years to repay.

Churches take on debt too. God’s word warns against debt, but some churches are so stricken with the “need” of a new church building that they cannot possibly wait for God to provide, instead they must take matters into their own hands and enslave The Bride of Christ.

Our Government takes on debt…a lot of debt! As of this writing our nation’s debt total is $10,531,434,696,496.64. In case you are wondering that is about 10 and a half Trillion Dollars. The United States of America is enslaved to foreign powers, and the Federal Reserve.

We have become an enslaved nation dependent on banks and lenders, and we have turned our back on God’s instructions to how we should handle money.