Income & high interest rates

Proverbs 28:8

Income from charging high interest rates will end up in the pocket of someone who is kind to the poor

“Payday lenders average interest on a loan to a low income person is 574 percent, we are the third highest in the nation.”

http://www.kdlt.com/2016/11/02/battle-over-payday-loan-interest-rate/

Example of the high interest rates for the poor:

Ramon Zayas was suffering from prostate cancer and facing mounting bills.

“I had to pay the electric bill, or have the lights turned off,” Zayas said.

So he and his wife got a $250 payday loan from an online lender 500 FASTCASH. It charged an annual interest rate of 476 percent. Zayas thought he was paying off the loan, but confusing fees, and the high interest eventually pushed the cost to $125 a month – on a $250 loan. Like a lot of people, he couldn’t keep up with the soaring costs.

“I borrowed $250, I thought I was going to pay $325,” Zayas said. “I actually paid $700, but it would have been $1,100 had I not gone to the bank and put a stop to this.”

Because of cases like this, 17 states have effectively banned payday lending. But Ramon Zayas’ lender is shielded from state laws because 500 FastCash is owned by an Indian tribe. Today, an estimated 30 online payday lenders partner with American Indian tribes.

From <http://www.cbsnews.com/news/how-payday-lenders-pull-off-crippling-rates/>

I can’t even imagine paying this type of interest, I have heard of this but to see it in black and white is shocking.  Yet our leaders are allowing this to go on.  Even allowing loop holes for the pay day loan industry to get around the unfairness of charging such high interest rates to those who are already struggling.  Yikes!!!

This goes on every day without fail and the poor are getting poorer!

Greedy people try to get rich quick but don’t realize they’re headed for poverty Pr. 28:22

Greed causes fighting; trusting the LORD leads to prosperity Pr. 28:26

Those who trust their own insight are foolish but anyone who walks in wisdom is safe Pr. 28:26

When there is moral rot within a nation, its government topples easily. But wise and knowledgeable leaders bring stability. Pr. 28:2

Memory Verse:  Proverbs 28:20 “The trustworthy person will get a rich reward, but a person who wants quick riches will get into trouble.”

Humility

Humility

humility1

Theme: Humility, riches, honor, and long life

In this chapter, let’s look at those who walk in humility and those who are corrupt.

Key Learning:  Walk in true humility or walk a thorny, treacherous road and suffer the consequences! 

 Those who walk in true humility:humility

  • Choose a good reputation over great riches
  • Choose being held in high esteem rather than silver or gold
  • A prudent person foresees danger and takes precautions
  • Avoid walking the thorny, treacherous road
  • Direct their children onto the right path
  • Have knowledge and they are preserved by the LORD
  • Blessed are those who are generous because they feed the poor
  • Whoever loves a pure heart and gracious speech will have the king as a friend
  • Listen to the words of the wise; and applies their heart to his instruction
  • They don’t rob the poor just because they can, nor do they exploit the needy in court
  • They don’t befriend angry people
  • They don’t associate with hot-tempered people
  • They don’t agree to guarantee another person’s debt or put up security for someone else
  • They don’t cheat their neighbor by moving the ancient boundary markers set up by previous generations
  • They are truly competent workers who will serve kings rather than working for ordinary people

ref

Proverbs 18:12Haughtiness goes before destruction; humility precedes honor

Proverbs 11:2Pride leads to disgrace, but with humility comes wisdom

Proverbs 15:33Fear of the LORD teaches wisdom, humility precedes honor

Proverbs 22:4True humility and fear of the LORD lead to riches, honor, and long life.

Proverbs 29:23Pride ends in humiliation, while humility brings honor

review

  1. Do you choose a good reputation rather than take short cuts to gain great riches?
  2. Is silver and gold more important to you than being held in high esteem?
  3. Are you a prudent person who foresees danger and takes precautions?
  4. Are you one who goes blindly on and suffers the consequences?
  5. Are you aware that true humility and fear of the LORD lead to riches, honor, and long life
  6. Which are you borrower or lender?  The answer tells whether you are servant or master.
  7. Are you truly generous and do you feed the poor?
  8. Do you notice that fighting, quarrels and insults tend to follow you around?
  9. Do you really love having a pure heart and gracious speech?
  10. Are you getting ahead by oppressing the poor or by showering gifts on the rich?

nuggetsNuggets of Gold:

  • True humility and fear of the LORD lead to riches, honor, and long life
  • The rich and poor have this in common:  The LORD made them both
  • Just as the rich rule the poor, so the borrower is servant to the lender
  • Throw out the mocker, and fighting goes, too.  Quarrels and insults will disappear
  • Whoever loves a pure heart and gracious speech will have the king as a friend
  • The mouth of an immoral woman is a dangerous trap; those who make the LORD angry will fall into it
  • A youngster’s heart is filled with foolishness, but physical discipline will drive it far away
  • Listen to the words of the wise; apply your heart to my instruction.  For it is good to keep these sayings in your heart and always ready on your lips.  I am teaching you today-yes, you-so you will trust in the LORD
  • I have written thirty sayings for you, filled with advice and knowledge.  In this way, you may know the truth and take an accurate report to those who sent you
  • The LORD is the defender of the poor and needy, He will ruin anyone who ruins them

Remember that, “Corrupt people walk a thorny, treacherous road; whoever values life will avoid it.” Proverbs 22:5

Don’t forget that just reading these wise sayings is not enough, you must apply them to your life, with much prayer.

So with that said, it is Prayer Time! 1eb7be86834c351f00d84c3db9cf2346

Proverbs 21 – Holy Heart Exam

Hello everyone, it is the 21st day of the month and today we will be looking at chapter 21 of Proverbs.

After praying and reading this chapter I found myself focusing on verses 2 and 3.  It states, “People may be right in their own eyes, but the LORD examines their heart.  The LORD is more pleased when we do what is right and just than when we offer him sacrifices.”

heart_exam

Theme:  Holy Heart Examination

Key Learning: Right in their own eyes, and doing what is right and just key2success

Right in their own eyes people:

  • haughty eyes, a proud heart, and evil actions
  • hasty shortcuts
  • wealth created by a lying tongue
  • violence of the wicked
  • those who refuse to do what is just
  • the guilty who walk crooked paths
  • a quarrelsome  complaining wife
  • evil people who desire evil
  • those who shut their ears to the cries of the poor
  • evildoers who are terrified by justice
  • those who stray from common sense
  • those who love pleasure
  • those who love wine and luxury
  • fools who spend whatever they get
  • the strong whose trust is in their fortress
  • those who do not watch their tongue
  • mockers who are proud haughty, and act with boundless arrogance
  • the lazy who refuse to work
  • those who are greedy for more
  • the evil person who offers a sacrifice with wrong motives
  • a false witness
  • the wicked who bluff their way through
  • those who think that human wisdom or understanding can stand against the LORD

Doing what is right and just people:

  • those who do good planning and work hard
  • the innocent who travel a straight road
  • the wise who are easily instructed
  • those who understand the value of a secret gift
  • the godly who gain great joy from justice
  • the godly trade places with the wicked who will receive the punishment
  • the honest who trade places with the traitors for the good
  • the wise have wealth and luxury
  • those who find life by pursuing righteousness and unfailing love
  • the wise who conquer the city of the strong
  • those who watch their tongue and keep their mouth shut
  • the godly who love to give
  • those who are credible witnesses
  • the virtuous who think before they act (see the virtuous post)
  • those who understand that no human wisdom or understanding or plan can stand against the LORD

Review:  

  1. When God examines your heart, does he find that you may be right in your own eyes?
  2. Do you offer the LORD sacrifices, while not doing what is right and just?
  3. As God does his examination of your heart, is he apt to find a proud heart and evil actions?
  4. Have you been plagued by hasty shortcuts and notice that poverty is sneaking up on you?
  5. Have you created wealth with a lying tongue and then wonder why it seems to be vanishing?
  6. Have you notice that the wicked seem to be swept away lately?
  7. Ever notice the neighbors of evil people never get mercy from these folks?
  8. Did you know that the Righteous One knows what is going on in the homes of the wicked?
  9. Do you want to be ignored in your time of need?
  10. Have you shut your ears to the cries of the poor lately?

Nuggets of Gold:

  • The king’s heart is like a stream of water directed by the LORD; he guides it wherever he pleases
  • The Righteous One knows what is going on in the homes of the wicked; he will bring disaster on them
  • Justice is a joy to the godly, but it terrifies evildoers
  • The person who strays from common sense will end up in the company of the dead.
  • The wicked are punished in place of the godly, and traitors in place of the honest
  • Watch your tongue and keep your mouth shut, and you will stay out of trouble
  • No human wisdom or understanding or plan can stand against the LORD
  • The horse is prepared for the day of battle, but the victory belongs to the LORD

As you review this list more than once, I hope you will began to see that being right in your own eyes can cost you dearly.

Please read this chapter more than once and then ask the LORD to help you to really understand what it is that he is saying to us and then begin praying for application the “Doing what is Right and Just,” you will be much better off.

1eb7be86834c351f00d84c3db9cf2346   So, it’s Prayer Time!

 

Proverbs 20 – Steps Directed/Hidden Motives Exposed

Good morning everyone,  Bless the name of our Lord.  What a great day it is.  Well it’s the 20th day of the month, and we all should be studying and praying about chapter 20 of Proverbs.

step_motive

Theme: Director of our steps, hidden motives exposed

In today’s study, verses 24 & 27  present  the Director of our steps and the light that penetrates our human spirit to expose every hidden motive.

Key Learning: Steps taken and motives behind actions key2success

Lesson #1: Motives behind the situations in this chapter:

  • Those being led astray by drink cannot be wise (v.1)
  • Your misguided motives that rouses the king’s anger (v.2)
  • The fools insistence on quarreling (v.3)
  • Those too lazy to plow in the right season (v.4)
  • The person with understanding knows how to draw out good advice (v.5)
  • Those who say they are loyal friends, why do they say it instead of just being a loyal friend? (v.6)
  • The godly who walk with integrity (v.7) (see post on integrity)
  • The ability of the king to distinguished the bad from the good (v.8)
  • Those who say, “I have cleansed my heart.” Are they really pure and free from sin? (v.9)
  • Those who use double standards of every kind, Why? (v.10)
  • Children are known by the way they act (v.11)
  • Those who love sleep and poverty (v.13)
  • The buyer who haggles and then says that the item Is worthless (v.14)
  • Why get security from one who guarantees a stranger’s debt (v.16)
  • Plans that succeed through good counsel (v.18) (see post on plans)
  • Why does a gossip go around telling secrets (v.19) (see post on gossip)
  • Why you should not hang around with chatterers (v.19)
  • Why your light will be snuffed out in total darkness (v.20)
  • Why obtaining an inheritance too early in life is not a blessing in the end (v.21)
  • Why you should not get even but wait for the LORD to handle the matter (v.22)
  • Why the LORD is not pleased by dishonest scales, he detest double standards! (v.23)
  • Why try to understand everything alone the way, when the LORD directs our steps? (v.24)
  • Why making rash promises to God traps you (v.25)
  • Why the wise king runs his threshing wheel over the wicked like wheat (v.26)
  • How the LORD’s light exposes every hidden motive (v.27)
  • How strength is the glory of the young (v.29)
  • How the gray hair of experience is the splendor of the old (v.29)

Lesson #2: Misc. thoughts that you just might want to take heed to

  • Wise words are more valuable than much gold and many rubies (v.15)
  • Stolen bread tastes sweet, but it turns to gravel in the mouth (v.17)
  • Unfailing love and faithfulness protect the king; his throne is made secure through love (v.28)
  • Physical punishment cleanses away evil; such discipline purifies the heart (v.30)

We can fake each other out, but there is no faking the penetrating light of the All Seeing and All Powerful one who looks right through us into our inner man.

So for me I had to admit that my motives were not up to par and that I had the wrong motives in mind.  God’s light convicted me and I had to repent.

  Review

  1. Now consider that the LORD’s light penetrates the human spirit, exposing every hidden motive, what do you think he sees in your life?
  2. How about you, as you read this chapter, are you questioning your motives?
  3. Are you looking at you or others?
  4. Is this something that you can use to improve your serve?

Please don’t look at the motives of others, you cannot do a thing about who they are nor can you force them to change.  You only have one that you can completely control, you!

Let’s pray now! The King is sitting in judgment, not me.  He is weighing all the evidence, distinguishing the bad from the good. His penetrating light is searching for those hidden motives.

I am praying about the bad that is holding me back , and praising Him for the good that is producing the manifold(lots of)  blessings in my life.  Your Turn!

1eb7be86834c351f00d84c3db9cf2346   It’s Prayer Time!

Proverbs 19 – Foolishness Ruins lives

It’s the 19th day of the month and that means we all should be in the 19th chapter of Proverbs.

Theme:  25 things that can ruin your life

ruinlives

Verse 3 is the foundational starting point today.  It states, “People ruin their lives by their own foolishness then are angry at the LORD.”

Let’s look at the 25 Ways one can ruin one’s life according to this chapter of Proverbs.

Key Learning:  Foolishness that ruins your life key2success

These things can ruin your life by:

  1. being dishonest and a fool
  2. having enthusiasm without knowledge
  3. being hasty and making mistakes
  4. allowing ones foolishness to cause them to be angry at the LORD
  5. Being in poverty which drives your friends away
  6. being a false witness and a liar
  7. despising your poor relatives and friends
  8. being a fool who lives in luxury
  9. being a foolish child
  10. being a quarrelsome wife
  11. being lazy and sleeping soundly
  12. being idle
  13. despising the commandments
  14. not disciplining your children
  15. being hot-tempered (see post on hot-tempered)
  16. not getting all the advice and instruction you can
  17. making many plans and not considering the LORD’s purpose
  18. not being loyal
  19. being dishonest
  20. being a mocker, and simpleminded
  21. mistreating your father and chasing away your mother
  22. not listening to instructions
  23. being a corrupt witness and making a mockery of justice
  24. having the mouth of the wicked that gulps down evil
  25. not understanding that mockers are made for punishment and the backs of fools are made to be beaten

Review 

  1. Are you honest in all of your dealings?
  2. Have you ever notice that you have rush out so excited that you forget to get all of the information needed to complete the task?
  3. Does your hasty ways cause you to make a multitude of mistakes?
  4. Do you find that you are regularly angry with the LORD?
  5. Do you have your foolishness in check?
  6. How’s your relationship with your father and mother these days?
  7. How well do you listen to instructions?
  8. What is your Loyalty based on, honesty or dishonesty?
  9. Has your hot-tempered ways caused you to pay the penalty lately?
  10. Do you help the poor on a regular basis

General observations that you just might want to consider:

  • To acquire wisdom is to love yourself
  • People who cherish understanding will prosper
  • Keep your life by keeping the commandments
  • When you help the poor, you are lending to the LORD and he will repay you
  • Discipline your children while there is hope, otherwise you will ruin their lives
  • Get all the advice and instruction you can, so you will be wise the rest of your life
  • You can make many plans, but the LORD’s purpose will prevail
  • Loyalty makes a person attractive
  • Fear of the LORD leads to life, bringing security and protection from harm

Enough Said!  1eb7be86834c351f00d84c3db9cf2346  It is truly Prayer Time!

Proverbs 18 – Strong Fortress the godly run to

Good Morning on this 18th day of the month.  I will be sharing my thoughts on the 18th Chapter of Proverbs today.

fortress

We will focus on verse 10 which states, “The name of the LORD is a strong fortress; the godly run to him and are safe.”

Theme:  Strong fortress the godly run to!

So why would the godly need to run to the LORD in this chapter?  Could it be because of the people around them?

Key Learning: Run from those who throw caution to the wind key2success

What Is it that the godly need to be kept safe from?

They need to be kept safe from:

  • Unfriendly people who care only about themselves
  • Those who lash out at common sense
  • Fools who have no interest in understanding
  • Those who only want to air their own opinions
  • Those who are disgrace by doing wrong
  • Those who bring contempt by their scandalous behavior
  • Those who acquit the guilty or deny justice to the innocent
  • The  constant quarrels of fools
  • Fools who trap themselves with their own foolish lips
  • Those who allow the dainty morsels of rumors to sink deep into their hearts
  • A lazy person who is as bad as someone who destroys things
  • The rich who think that their wealth is a strong defense
  • People who are haughty and are headed for destruction
  • Those who spout off before listening to the facts
  • Those with crushed spirits
  • An offended friend
  • Arguments that separate friends
  • Those who love to talk, who do not understand that death or life is in the tongue (see new post on the tongue)
  • The rich who answer with insults
  • Friends who destroy each other

Nugget of Gold:  One must consider the wisdom found in this chapter that is from on high

  • Wise words are like deep waters; wisdom flows from  the wise like a bubbling brook
  • Haughtiness goes before destruction; humility precedes honor
  • Intelligent people are always ready to learn.  Their ears are open for knowledge
  • Giving a gift can open doors; it gives access to important people!
  • Flipping a coin can end arguments; it settles disputes between powerful opponents
  • Wise words satisfy like a good meal; the right words bring satisfaction
  • The man who finds a wife finds a treasure, and he receives favor from the LORD
  • There are “friends” who destroy each other, but a real friend sticks closer than a brother

Review:  

  1. Do you show yourself friendly or unfriendly in your neighborhood?
  2. Have you ever lash out at someone who was operating with good common sense?
  3. Do you find that you are only interested in airing your own opinions?
  4. Do you have any scandalous behavior in your past that you wish would just go away?
  5. Do you use words that cause constant quarrels?
  6. Has your mouth set any traps lately that you know will ruin you?
  7. Are you still working on the last dainty morsel of a rumor that has sunk into your heart
  8. Do you imagine that your wealth or income is a strong defense that will keep you safe?
  9. Have you ever being known for spouting off without first listening to the facts?
  10. Are your ears really open for knowledge?

If you look up the word for Strong in this chapter you will find that the Hebrew word for strong is OZE, which means strength in various applications, such as i.e.. force, security, majesty, praise, boldness, loud, mighty, power, strength, strong.

The Hebrew word OZE also had it shorten version to OZ which really surprise me seeing how the movie Wizard of OZ was a favorite as I grew up. But I wonder if this was Hollywood’s way of saying that God was a little man behind curtains, faking out others making them thing that he was all powerful and yet weak and just a man.

Of course we know better, but people who don’t know or understand the Existing One, “Jehovah” are not aware that  He is not to be played with nor to be made fun of, the consequences are staggering!  Just ask history how God dealt with societies that took him for granted.  Their high ideals crash down around them, and left them wondering what happen.

This is one of  the reasons I love to stay in Proverbs, the wisdom here continues to put me in check.

So, who are you running to for safety?

Do you recognize the need for protection from those in the list above?

OK, let me hush because,  1eb7be86834c351f00d84c3db9cf2346  It’s Prayer Time. 

Blessing on you all.

Proverbs 17 – Sensible/ Foolish People

It is the 17th of the month everyone, and we have been presented with another great day.  I hope you woke up with a song on your heart regardless of what is going on in our world.  Even if you have rain or snow I hope that you have learned how to sing or play in the rain as well as the snow.

If you are following this study then you should be studying chapter 17 of Proverbs.

heart_test

Today I focused on verse 24 of this chapter and it stated, “Sensible people keep their eyes glued on wisdom, but a fool’s eyes wander to the ends of the earth.” 

Theme: Sensible people, Foolish children

So, who are the sensible people and the foolish children in this chapter and what can we learn from them and what impact does that have on us today?

Key Learning: The LORD tests the heart of Sensible as well as the foolish people to check their motiveskey2success

Sensible people:

  • Wise servant
  • Those who forgive a fault
  • A person of understanding
  • A friend who is always loyal
  • Brother born to help in time of need
  • Those that have cheerful hearts
  • Sensible people
  • The godly who are good
  • A wise person who uses few words
  • A person with understanding and is even-tempered

Foolish people:

  • Disgraceful child
  • Wrongdoers who eagerly listen to gossip
  • Liars who pay close attention to slander
  • Those who mock the poor
  • Those who rejoice at the misfortune of others
  • Those who dwell on a fault to long
  • A fool
  • Evil people who are eager for rebellion
  • A fool caught in foolishness
  • Those who repay good with evil
  • Those who start quarrels
  • Those who acquit the guilty
  • Those who condemn the innocent
  • Those who pay to educate a fool
  • Those who guaranteed another person’s debt
  • Those who put up security for a friend
  • Those who love to quarrel
  • Those who trust in high walls
  • Those with crooked hearts
  • Those who use a lying tongue
  • A rebel
  • Those with a broken spirit
  • The wicked that take secret bribes
  • Those that pervert the course of justice
  • The fool whose eyes wander to the ends of the earth
  • Foolish children
  • Those who punish the godly for being good
  • Those who flog leaders for being honest

Review:

  1. Are you a wise servant or a disgraceful son?
  2. When the LORD tests your heart what dross does the process expel?
  3. Do you find that you eagerly listen to gossip?
  4. Does slander of another cause you to listen really closely?
  5. Do you rejoice at the misfortune of others?
  6. Do you find that you spend too much time dwelling on a fault rather than forgiving it?
  7. Are the people that you associated with eager for rebellion?
  8. Have you ever repay good with evil?
  9. Do you find it hard to stop quarreling?
  10. Are you a loyal friend that can be counted on in a time of need?

Nuggets of Gold: 

  • Better a dry crust eaten in peace than a house filled with feasting–and conflict
  • Eloquent words are not fitting for a fool; even less are lies fitting for a ruler
  • A single rebuke does more for a person of understanding than a hundred lashes on the back of a fool
  • It is painful to be the parent of a fool; there is no joy for the father of a rebel
  • A truly wise person uses few words; a person with understanding is even-tempered
  • Even fools are thought wise when they keep silent; with their mouths shut, they seem intelligent

What can we learn from them and what impact does that have on us today?application

  • We learn that the sensible people keep their eyes glued on wisdom whereas the foolish children bring grief to their fathers, and bitterness to the one who gave them birth
  • When we understand the above then we can avoid the misfortunes of the foolish child, things like losing part of their inheritance, being severely punished, being separated from their close friends, evil never leaving their house, and being detestable to the LORD

As you read this chapter I hope that you past the inspection with flying colors.  In other words I wish you true greatness!

Memory Verse:  Proverbs 17:3 “Fire tests the purity of silver and gold, but the LORD tests the heart.”

Let us pray for the cleansing power of prayer and the gift of our Savior Jesus Christ.

1eb7be86834c351f00d84c3db9cf2346   It is Prayer Time!