Author Archives: calledtogether

Challenge, Children, Parents

10 Ways to Train Your Children in Finance

There is no better time than now, today, to start teaching your children about money, saving, spending, credit, debt and giving.  As we approach Christmas, a time of giving and receiving, you’ll have a perfect opportunity.

Take the financial lessons you have learned and use them as a teaching tool to those little ones in your life, either as a parent, a grandparent or a caretaker. Their future spouses, teachers and employers will love you for it. Author and financial teacher Larry Burkett once said that we are not responsible for our children’s decisions, but we are responsible for their training.

  • It all begins and hinges on helping them to understand that God owns it all. We are to be the best stewards of everything He shares with us and because God is so generous, teach generosity. There is no greater blessing than to give.
  • Teach the difference between self-discipline, delayed gratification, and immediate self-gratification.
  • Give your children regular and meaningful responsibilities – jobs without pay, e.g., picking up their toys. Do not give an unearned, free ride allowance, but rather, give your children regular jobs with generous pay, e.g., mowing the lawn or folding the laundry.
  • Teach your children to tithe from every dollar earned or given to them. It is all God’s, but discipline in regular giving grows a habit.
  • Teach your children to save a percentage of their income for the future (30-50%), all the while designating a percentage of what can be spent immediately.
  • Teach the difference between an asset and a liability – a consumable. Help them to understand the concept of investing and how that will help them beyond today into the future.
  • Develop a budget with your child as soon as they can comprehend the idea. It will serve them the remainder of their life. Start a savings account (start with a piggy bank) and when age appropriate, obtain a money market account and an ATM card. Teach them how to responsibly use and balance them.
  • Train them in the proper use of credit and how the borrower is servant to the lender. Borrowing for an asset vs. a liability.  Share with them the difference between paying interest and growing interest on their money/investment.
  • Share with your children your financial mistakes and how they can learn and benefit from them.
  • As is appropriate, walk them through all other financial concepts like loans, taxes, utilities, owning a home, maintenance, buying a car, auto repairs, insurance, etc. Take the time to teach your children what God takes the time to teach you about money and His resources. They’re never too young to learn.

And here’s a bonus for you as a parent.  Stop saying the words, “I can’t afford it.” Most times we can, we’re normally adjusting our priorities. So rather than this short answer, try explaining why making a certain purchase is not within your budget at this time.

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Challenge, Encouragement, Leadership, Women

God Designed You for More Than You Know; You Can Make a Difference

Do you know who Mary Kay Ash was?  She worked at Stanley Home Products at one time and even though she spent many years there and trained many others, she was continually overlooked for promotion.  She ended her job and wrote a book.  That book was written to help women in business.

 

Born May 12, 1918 in Texas, she began her own cosmetic business at age 45.  Her initial investment was $5,000 in 1963.  The company turned a profit the first year.  Today there are 1.6 million salespeople working for Mary Kay Inc.  The rule she ran her company by?  The Golden Rule: “Treat others as you want to be treated.”  Annual sales now exceed $2.2 billion.  Mary Kay once said, “One person can make a difference.”

 

Mary Kay believed that it was her job to make others feel important.  Her life slogan was, “God first, family second, career third.”  She knew that encouragement was crucial in relationship.

 

Who do you need to encourage today?  Send them a text of encouragement.  Tell them they are worth far more than they know.  Tell them God had a specific design in mind when He created them.  You can make a difference in the life of another today, because, “One person can make a difference.”

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Challenge, Encouragement, Issues of the Day, Marriage, Men, Pornography, Women

Are You Going to the Bedroom Together? 7 Highly Effective Benefits that will Help

I do not mean for the title of this blog to be controversial or provocative, so, if you are married, do you go to bed together at the end of your day?  We are finding more and more couples who do not.  Why is this?

 

The Gottman Institute research has shown that couples tend to stop going to bed together within the first three-and-one half years into marriage and something like 75% of couples do not go to bed at the same time.

 

Many couples maintain differing schedules and are not shy about it.  Some couples are opposite when it comes to being a late-night person versus an early morning person.  Still others are working on needed household chores late into the evening and others are enjoying their down time after the kids are in bed.  Then there are those couples who have no evening ritual of communication and ending their day together spiritually.

 

I would like to propose something different: Go to bed at the same time and end your evening in one another’s arms.  Why?  Well, I tend to think there are some extraordinary benefits.  Here are seven.

 

  • You can converse even as you spend time in the bathroom or bedroom preparing for sleep.
  • You can deeply communicate about those things the children and others simply should not hear. Call it pillow talk.
  • You’ll be together, touching one another emotionally which can lead to a greater opportunity for cuddling and sexual intimacy.
  • It creates a level of connection which inspires happiness in the marriage.
  • When you go to bed together, you tend to maintain a similar schedule together.
  • If there are poor late-night choices (like pornography, internet surfing or social media) being made, going to bed together lends accountability to one another and to unplug.
  • And the very best reason to go to bed together? You can top off your day by praying and reading God’s word cooperatively as one.

 

Try it for 30 days and see if you can establish a brand-new habit that brings life and connection to your marriage.  Remove the TV from your bedroom if there is one.  Turn off devices, say “I love you” every night and practice giving thanks for what you both brought to the marriage and family that day.  You’ll never regret it!

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Challenge, Children, Encouragement, Marriage

The Most Important Words We Can Speak

How many words are there in the English language?   I asked Google just that question one day.  The answer?  Three key numbers to remember.  There are over one million English words of which approximately 170,000 are presently used.  Any one of us as English speakers use around 20,000-30,000 words.

 

To be “fluent” in English you need to know around 10,000 words.  The longest word in English is 45 letters in length, a medical diagnosis term.  Approximately 5,400 new words are created annually.  One introduced for 2018 was, wordie.” (Even now my spell check is telling me it’s an incorrect spelling.)  And there are 3,000 common English words that you could get by with in order to communicate sufficiently. As well, thousands of words become obsolete each year.  Here’s an obsolete word for example: “boreism.”

 

There are some words in each and every language that should never become obsolete; words that ought to be repeated over and over.  There are in marriage words that we ought never stop repeating or ever tire of hearing.  I can think of three of the most beautiful words spoken or heard, “I love you.”

 

Telling our spouse each and every day that we love them can never become old.  Telling our children every morning and every night must be habitual.  Saying those words to our parents is important because they are also words of honor.  Telling God how much we love Him should reveal endless adoration of Him because He first loved us.

 

I am not sure anyone on this earth tires of hearing those words, “I love you.”  There may be many around you today who do not hear those words or perhaps never heard them growing up.  We can make a difference today in their lives too.

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Challenge, Encouragement, Healing, In the news, Issues of the Day

The Death of a President

I was seated at my desk in our third-grade classroom when our teacher was called out of the room.  It was a pretty normal and uneventful day up to that particular time.  She returned to the classroom crying.  I never saw her cry before.  Experiencing a teacher crying was totally new for me.  The date was November 22, 1963, the day John F. Kennedy was shot and killed.  We would be dismissed from school early on that day.

 

I watched our black and white TV that evening as men in suits held onto a man who they claimed killed our president, Lee Harvey Oswald.  They were pushing him through some dimly lit halls to…well, I didn’t know where.  In horror, another man in a black suit came up beside him and fired shots from his pistol.  I watched Oswald fall into the arms of those escorting him.

 

It was all a bit much for an eight-year-old kid.  The talk for weeks in our country was the loss of our president.  I didn’t really know what it meant, but listening to the adults in my life, I knew it was unprecedented and enormous to them.  Everyone mourned and felt a bit lost, dazed really.  

 

As I look back, what sticks out in my mind now was that I never remember hearing the words Democrat or Republican.  It’s like President Kennedy was neither, just president of the United States of America.

 

Surely people voted and followed their party of choice, but there was no antagonism, no backbiting, no name calling, no sarcasm and no wishing another harm.  At least not in the part of the world I lived in.

 

Unfortunately, the world we live in today is extremely different.  Even the major news outlets are different.  They simply have totally left objectivity and what is often reported is their personal slant or belief in an unbelievably, openly biased (which party we support) way.

 

It was this very president, John F. Kennedy, who said this, “If a beachhead of cooperation may push back the jungle of suspicion, let both sides join in creating a new endeavor, not a new balance of power, but a new world of law, where the strong are just and the weak secure and the peace preserved.  All this will not be finished in the first one hundred days.  Nor will it be finished in the first one thousand days, nor in the life of this Administration, nor even perhaps in our lifetime on this planet.  But let us begin.”

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Challenge, Issues of the Day, Marriage, Men, Women

A Sickness Within Marriage – Apathy

Author Gary Thomas wrote in his book, Sacred Marriage, “…the opposite of biblical love isn’t hate; it’s apathy.”  Do you agree?  When a partner within marriage becomes apathetic, it can become a destroyer of the relationship.  An intimate relationship like marriage takes effort, planning, intentional closeness and investment.  In other words, there is a very clear plan of building.

 

My wife and I just finished our annual evaluation and vision weekend.  We go away for an overnight and we give God thanks for all He has done in our lives.  Then we evaluate our year.  We evaluate our family, our marriage, our sex lives, our finances, our jobs, our schedules, etc.  We simply evaluate everything we can think of to evaluate.  After this time, we turn a corner and we pray about the future, our vision for our marriage, our family, our ministries, our volunteer projects and anything else we need goals and vision for.  Lastly, we update our marriage mission statement. It is an amazing time of prayer, reflection, deep communication and stated succinctly: intentional, side-by-side effort to hear God, honor one another and build on our continued bond of oneness.

 

Mary often tells me, “I feel like we are on the same page when we leave this time to return home.”  A marriage on the same page today is an accomplishment.  It takes vulnerability, openness, humility to hear hard things about yourself and the desire to change.  Because, let’s face it, going into this time we project hearing how well we’re doing and how great our marriage is.  When we hear something challenging or confrontive and we must interpret that as a need for us (me) to change, it all starts to hit home and we can become defensive.

 

For this time, freedom is the goal.  Honesty is the goal.  Growing toward each other is the goal.  That can only happen when we as a couple pursue interdependence and forsake independence.  When we truly love each other and desire the very best for one another, we do not need to become defensive, but rather face the fact that I (we) am (are) not perfect.  This time taken away to be ruthlessly honest with each other means we are willing to face the truth about ourselves in order to become the spouses that truly reflect the image of Christ to our family.

 

Do not let apathy into your heart.  Fight it, pray against it and take steps to rid your life and marriage relationship of it.  Consider an evaluation/vision weekend before the end of the year or early in the new year.  We guarantee you will find it revitalizing, energizing and healthy, actually nourishing, to your marriage.

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Challenge, Encouragement, Healing, In the news, Issues of the Day, Prayer

Did Your Candidates Get Elected? Here Are 7 Ways to Follow-Up

With this election behind us, both winners and losers now face a certain reality. We’ve had to listen to and endure all the political rhetoric before the election and we’re hoping it doesn’t follow the election so we can get on with our lives, so to speak. Those elected, will need to get to work representing those who elected them and those who did not.  But, what can we do now for those who are elected?  How can we serve them as godly persons?

 

We can pray!  I would like to share a few guidelines for prayer for the newly elected and the ones remaining in political office.  The scriptures admonish us to pray for these persons and we desire to obey that word so clearly spoken.  That means, even if the elected official is not one whom you voted for, you are still admonished to pray for them.

 

Specifically, what can we pray that aligns with God’s word?

 

  1. Pray for a revelation of the love of God. Knowing God’s love and responding to that love affects every aspect of personal and public life. (Romans 5:5, 8; I John 4:9, 10)
  2. Pray for a revelation of God’s truth. It is the word of God and the Ten Commandments that initially created our foundation for law.  Pray that this same Word is seen as truth as it was with our forefathers. (Proverbs 30:5; Hebrews 4:12)
  3. Pray for a revelation that all humanity is of value and created in the image of God. (Genesis 1:27; John 3:16, 17)
  4. Pray for a revelation of life – life in the womb and life at every stage of life. (Psalm 139: 13-16; Jeremiah 1:4, 5; Isaiah 44:2)
  5. Pray for a spirit of wisdom and humility with high moral character and integrity to lead this nation. (Psalm 25:9; Proverbs 10:9; 11:3; Isaiah 66:2)
  6. Pray for a revelation of the fear of God; it is the beginning of wisdom. (Psalm 111:10)
  7. Pray for a heart that seeks after God and desires His will and not their own. (Matthew 6:10; Hebrews 10:9)
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Challenge, In the news, Issues of the Day, Leadership, Men, Women

A Question for Pastor John F. MacArthur

Dear Pastor MacArthur,

 

Your comments concerning Beth Moore and women like her seem shame-filled, judgmental and clearly challenged by the word of God and the life of His Son while on the earth.  Please consider these scriptures found in the book of Luke concerning those who supported Jesus’ ministry.

 

 

 

After this, Jesus traveled about from one town and village to another, proclaiming the good news of the kingdom of God.  The Twelve were with him, and also some women who had been cured of evil spirits and diseases: Mary (called Magdalene) from who seven demons had come out; Joanna the wife of Cuza, the manager of Herod’s household; Susanna; and many others.  These women were helping to support them out of thier own means.  (Luke 8:1-3)

 

These women were brave, courageous, supportive and bold.  They were unashamed to walk with Jesus and serve Him in His earthly ministry.  God’s word does not leave out their love and dedication to Him within public ministry and what an amazing example and inspiration to all women they become.

 

So, here’s my question for you Pastor MacArthur:  Should Jesus have told these women to “Go home?”

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Challenge, Encouragement, In the news, Issues of the Day, Leadership, Prayer

Election Day: A Few Political Core Values to Consider

As we approach election day here in the USA on November 5, I thought I would pass along to you some really healthy and sound advice/political values from Kris Vallotton.  Kris is a well-known author and pastoral staff member at Bethel Church in Redding, CA.  I think what he writes is worth considering and sharing.  But first, let me share some of the best advice from God’s word found in I Timothy 2:1-10 from The Passion version.

 

1-3 The first thing I want you to do is pray. Pray every way you know how, for everyone you know. Pray especially for rulers and their governments to rule well so we can be quietly about our business of living simply, in humble contemplation. This is the way our Savior God wants us to live.

4-7 He wants not only us but everyone saved, you know, everyone to get to know the truth we’ve learned: that there’s one God and only one, and one Priest-Mediator between God and us—Jesus, who offered himself in exchange for everyone held captive by sin, to set them all free. Eventually the news is going to get out. This and this only has been my appointed work: getting this news to those who have never heard of God, and explaining how it works by simple faith and plain truth.

8-10 Since prayer is at the bottom of all this, what I want mostly is for men to pray—not shaking angry fists at enemies but raising holy hands to God. And I want women to get in there with the men in humility before God, not primping before a mirror or chasing the latest fashions but doing something beautiful for God and becoming beautiful doing it.

From Kris:

  • I can deeply love people in whom I strongly disagree with. I refuse to demonize any politician who is made in the image of God.
  • I have enemies and Jesus gave me power over them on the cross, but my battle is NOT against flesh and blood.
  • When you call someone by an evil name…you have decided that you know their heart. But, the Apostle Paul said, “Who are you to judge the servant of another?”
  • Associating with, or serving political people, should not be confused with embracing their ideologies. All political offices deserve to be honored according to Romans 13.
  • I am commanded and called to pray for my leaders. If you don’t pray for them, then you don’t have a right to critique their success or failure.
  • My first allegiance is not to a political party but to the kingdom of God.
  • I cannot separate my spiritual views from my political views because the government of this world is being affected and infected by the invisible realm.
  • Great government doesn’t take away the right of people to sin. That’s sharia law.  It does however, protect people from sinning against others and teaching people to do so.
  • It’s not the responsibility of government to Christianize the world. That’s the church’s job.  Jesus rules the nations with a rod of iron, but He leads the church with a shepherd’s staff.

Let’s prayerfully walk this election out like our first allegiance is to the kingdom of God and not to a political party.

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Challenge, Encouragement, In the news, Issues of the Day

Addressing the Political Divide with a Sound Mind and Redemptive Spirit

Are you tempted to get swept up into all the rhetoric, backbiting, political name-calling and the deep level of immaturity shown us by the media and the politicians of today?  I know I am sometimes. Isn’t it interesting that Jesus lived under one of the most corrupt governments of all time and yet He was never distracted or drawn into their politics.  He kept His focus by continually listening to His Father and obeying His voice.  We could take a lesson or two from our Savior.

 

God’s word reveals, “Everyone must submit himself to the governing authorities, for there is no authority accept that which God has established. The authorities that exist have been established by God.  Consequently, he who rebels against the authority is rebelling against what God has instituted.”  (Romans 13:1&2) Did this writer, under the inspiration of the Holy Spirit, use the word “rebelling?”

 

If God placed each, let’s say, president into office, could our anger, our angst and our temper tantrums over them actually be an act of rebellion against God? When we strongly confront others, call what they write propaganda and get into arguments over constantly changing “facts,” aren’t we essentially telling God that He doesn’t know what He is doing by who He is allowing into political office?  Personally, I just cringe over some of the things that I read on social media, but our politicians and our media speak words of defamation as well. I really do not desire to be part of it.

 

It’s pretty clear from Jesus that the most important commandment is to love God and to love our neighbor first and foremost, but do you realize in that same chapter, Matthew 22, Jesus is confronted by the Pharisees with a political question asking is it right to pay taxes to Caesar?  Jesus would not be trapped by them or caught up in an unrighteous conversation about the political leader of His day as He replied, “Show me the coin used for paying the tax…whose image is this…and whose inscription?”  He then surprised them with these words, “So give back to Caesar what is Caesar’s, and to God what is God’s.”

 

Jesus was clearly revealing there are two kingdoms of which we function in both, this world with its governments and its leaders and, secondly, God’s kingdom.  We give to both.  As believers, we need to keep in mind that the kingdoms of this world are temporary and, therefore, our priority is the kingdom of God.

 

In light of this, here’s a question for you.  If, when writing on social media, we use intimidation, disrespect of others and dishonoring them and their beliefs or thoughts, are we not engaged in a form of bullying? I have observed writers attempting to shut others down by their “facts,” but, honestly, most times it is simply because someone expresses a different opinion than they do.

 

A friend of mine was telling me that he was “convicted” to stop writing on social media this way, but still found time to “like” what others wrote which he agreed with. Once again God spoke to him and revealed that to “like” those words was the same as writing them. He ceased in obedience to the voice of God.

 

Jesus never placed political party or belief over relationship.  If your relationships are being affected by differing political belief, then you are falling prey to the evil one and his tactics to cause disunity and division.  Allow me to share some wisdom with you from Proverbs chapter 15.

 

  • A gentle answer turns away wrath, but a harsh word stirs up anger.
  • The tongue that brings healing is a tree of life…
  • The discerning heart seeks knowledge, but the mouth of a fool feeds on folly.
  • A hot-tempered man stirs up dissension, but a patient man calms a quarrel.
  • A man finds joy in giving an apt reply – and how good is a timely word.

 

So what can we do if we find ourself at odds with someone over politics?  We could ask them why they feel the way they do in order to understand their point of view.  Then we could ask if they would allow us to share our views.  Perhaps we can arrive at the agreeing point of: America is broken and as Christians we are called to uphold the love of Jesus by seeking first His kingdom. “By this all men will know that you are my disciples, if you have love one for another.”

 

Are you willing to put your hostility, your divisive comments and your agenda aside so that you can place Jesus first?  Ask God for wisdom; He gives it liberally.  And remember these words of pure wisdom, “If someone asks about your hope as a believer, always be ready to explain it.  But do this in a gentle and respectful way.”  (I Peter 3:15)

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