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July 26, 2011

Credit Card Traps

Filed under: General — david @ 9:54 am

Okay, I’m an oddball, but I’ve never been burned badly by the credit card traps. There are three that I know about.

ONE: The WAY to high interest rate. My credit card history is good. I don’t keep a large balance on them, but I’m still considerably over 20% in my interest rate. That’s steep. I can’t and don’t want to know what those numbers would be on a person with BAD credit history.  Solution: Don’t spend money you don’t have and pay off your credit card every month. IF you cannot do this destroy your credit cards and live by cash. (Oh, and grow up.)

TWO: Late Payment fees and credit history dings. The late fees for even a few days are annoying. Missing payments also goes on your credit report–which is the data that banks use to offer you loans for homes, cars, etc. Solution:  NEVER be late on a payment. Pay it on time in full each month. IF you cannot do this destroy your credit cards and live by cash and debit cards.

THREE: Spending more than you normally would. Most people will spend less if they use cash for everything. They start to be frugal since they see the dollars go bye-bye. But credit cards remove that from the equation so you spend more and save less. Solution: Develop a habit of frugal spending on every type of money–Cash, debit, credit, frequent-flyer miles, and Coke points. It’s is all money (which is only a means of exchange), so treat it with the attitude of frugal spending. IF you cannot do this, shread your credit cards and then purposely find the knowledge and maturity to grow into a responsible frugal spender and saver. I suggest Crown Financial Ministries, their website is Crown.org.  

Anyway, I thought I’d throw this information out for you. I’ve escaped these traps and want you to as well.

July 5, 2011

I’m beginning to hate the messed up characters

Filed under: Entertainment,Philosophy/Morality — david @ 9:18 pm

I like to write; which comes with other statement, I like to read. Lately, I miss the competent humans in books. It’s like the whole world has resigned itself to the fact that mankind is REALLY messed up. Many (if not all) the modern books I’ve seen are about–“Oh, wow, some horrible thing beyond my control has really messed me up and will continue to do so; but I must fight for something by creepy bordering-on-committable stalking and obsession.”  (I am thinking of Twilight by the way, but also basically EVERY other book in recent years.)

I like Dean Koontz; Now his characters are often (always?) messed up beyond reason; and, even though the bad guys usually get it in the end, I have a complaint. 

Here is the thing: I am a Christian–and as such, I have a world view that allows me to make sense of every given circumstance that I will ever encounter–This includes the supernatural, natural, normal, paranormal, kind, cruel, nasty, freakish, and quiet. So, I in my reading I have to muddle through the emotional angst of characters that come from the other side of the track.

These characters represent the nonsensical contradictory veiws of the humanist, the atheist, the pantheist, the Buddhist, or nature worshipper. And those are just the worldviews –add the usual self-destructive, lustful, self-loathing that comes with the worldviews and OUCH! I get headaches thinking about it.  

I like Characters that are not messed up by circumstances; I like the conquerors–the characters that look at the problem, and solve it. That take their problems and improve themselves by them. I like hope, confidence, respect, and courage. The Fellowship of the Ring that against all odds launches an attack at the greatest evil of their day. Aslan offering himself for Edmund. Miss Who as a star exploding-driving back the darkness. I like the people that don’t resign them to defeatist modern attitude.

I guess, like Jack, if I want books that I like to read, I’m gonna have to write them. (P.S. Anyone know who Jack is?)

July 1, 2011

The Weapons of Christian Warfare

Filed under: Apologetics,Christianity — david @ 7:12 pm

Islam uses violence and fear, and they aren’t the only ones. Lies, manipulation, vice, and other weapons of mass and masses destruction destroy the truth out of spirituality and mankind faster than Kevorkian did away with his patients. What can a Christian do?

Well, for one thing, I stand firmly with those that say we must stand up and fight for what is right! (And if that means more than tough talk {and it does}, so be it!) But before I go off, I have to check the armory. What are my weapons? Hmm.

One: The first and most important item in the arsenal is…….Tada! TRUTH. Pure simple truth. It doesn’t get used that often. But it really helps morale to know that though you may be unpopular, slandered, hated, persecuted, etc, that YOU ARE RIGHT! ” So dust off that Bible and learn the truth. That’s what this fight is about after all–the father of lies against the Way, the Truth, and the Life.

Two: This one is hard–You see the Bible (that’s the truth, remember) says “the wrath of man worketh not the righteousness of God.” Ouch! Loose the anger, that “righteous indignation” isn’t going to accomplish anything worthwhile. Uhh, I know! I absolutely despise the works of the wicked–I hate it with a perfect hatred! But that’s not the weapon–it’s joy

JOY!? Huh, the Bible (that TRUTH again) says “The Joy of the Lord” is our strength.” Well, that makes sense, people aren’t going to care about a “religion” that offers just more things to be angry about. The world is plenty angry and hopeless. Imagine total hopelessness; wouldn’t ANY joy and hope attract you like a fly to honey or a starving man to a sandwich. But when we’re angry, when we’re bitter–the world has all that; why would they want our version? 

“But it’s so hard to be joyful in this world!” you say, “Don’t you know about _______________.” Yeah, I know.  It is hard, but that’s because we have the wrong perspective. Is God on the throne? Is the world out of God’s control? Is perfect justice going to happen? Guess, what? The answer–from the TRUTH–to all those questions is YES. So, that means, We are winning. Pssst. FYI. I said we’re winning. We should live from the perspective of JOY–We’re winning! Yeah, it’s hard. Yeah, sin is disgusting, hurtful, horrible, and nasty. BUT WE ARE WINNNING!–smile, God loves you. You know how I know? He said so, in a book, a book about How much God loves you! If you can’t have a private revival service thinking about how much God loves you and how He proved it, you’re synical to the point of nauseating. (Excuse me, I need a tissue.)

 Okay, I’m back. WEAPON 3: I kind of gave it away already. Are you ready? This is powerful stuff, handle with care, oh, and use this liberally–Love. “By this shall all men know that you are my disciples, that ye love one another.”

(Oh, time out! This is not that rather weak ridiculous stuff that you hear about it songs and poor movies–we’re not talking about romantic nonsensical smooshy sentimentality, but the robust, strong, passionate Agape Love that God has. Okay, sorry to slow you down. Time in!)

We should tangibly love one another as Christians and the lost world–they are the true victims of sin after all.

FOUR: Don’t forget to take a sanctified sense of humor. It really helps to be able to laugh at life. Remember, we have not been given a spirt of fear but of power, love, and a  sound mind.

So, Christians get out there and FIGHT! But remember, we dont’ fight like the world–cuz’ were not of this world.

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