Monday, April 9, 2018

A Monday Morning Lesson on Fear and Worry


It was my typical Monday morning routine.  The alarm goes off at 5:00 AM and I agonize about leaving the warm bed for the cold air of a five-mile run with my running buddy.  Hesitantly, I decide I can’t let him down and begin to get ready for the exercise that awaits.  I arrive at our designated meeting area and wait for his arrival.  When the clock hits 5:40 and he is still not there I vacillate between excitement that I do not have to run, and frustration that I left sleep for nothing (I realize later I missed his text saying he could not make it due to his son being sick all night).  Ultimately, I have a decision to make- run by myself or return home and continue with the other parts of my daily routine? I choose the latter, skip the run, and head back to the house.

As I turn the car back on, I hear two men harkening back to better years in the USA, and how we are on a path for economic calamity and ultimately all of us will be taxed into oblivion because of our out of control government.  It really is just the message you want to hear first thing Monday morning!

Trying to pick myself up from that edifying message I arrive back at my house, find my Bible and open to the day’s reading; actually I open to the prior two days’ reading as I had inexplicably missed those days.  What I find was exactly the antidote needed to the doomsday message from the radio.

Psalm 56:11
“In God I trust and am not afraid.  What can man do to me?

Psalm 57:1
“Have mercy on me, my God, have mercy on me, for in you I take refuge in the shadow of your wings until the disaster has passed.”

Here is what I know.  All of us are facing obstacles, fears, depression and calamities that we feel are bigger than us.  It is easy to be terrified of those things.  Maybe it is the “certain” economic collapse of the world’s economy, maybe it is the fear that a wayward child brings, or the fear of a medical issue or a personal financial crisis.  Who knows what it is for you, but I hope Psalm 56 jumps off the page at you like it did for me.  In God I trust and am not afraid.  What can man do to me?

When we look at our problem(s) it is easy to fear!  Problems are scary.  They can feel overwhelming and debilitating.  However, despite how our problems make us feel they are not greater than God.  In this Psalm we are called to trust God (look at Him) and when we do, fear will subside, and we can confidently ask, “What can man do to me?”

As we turn to Psalm 57 we see the psalmist cry out for mercy. I think David is crying out for mercy because he knows God is just to do as He wills and thus he is calling out for God’s protection as Saul pursues him.  David feels his life is in danger. Maybe you feel your life, or at least your purpose for living, is in danger also.  David’s model is one we would do well to follow.   David cries to God, for He is the giver of life.  We would do well to do the same.  The verse goes on however; not only does David cry out for mercy to the One who can give mercy, but he makes a simple and profound statement about where he will hide in the midst of the disaster.  David chose to hide in the shadow of God’s wing.  He did not hide in broad daylight.  He did not cry out for mercy and then live as if providing a blueprint on how the danger could find him. He protected himself from the enemy.  In his case the enemy was Saul.  In your case and mine it could be negative self-talk, listening to the wrong people or messages or failing to surround yourself with the truth of God’s word.  David hid in the shadow of the Almighty and found rest.  What a lesson for me and for you.  When disaster is upon you do not ‘hide’ in broad daylight, but hide in the wing of Christ.  He is trustworthy.  He will keep you from fearing.  He is safe!

Wednesday, April 4, 2018

Student Debt Protection Act


This is a assignment my son completed as a part of his participation in a program called TeenPact.  TeenPact's purpose is to "to train youth to understand the political process, value their liberty, defend their Christian faith and engage the culture at a time in their lives when, typically, they do not care about such things."

By:  Tallon Cannon
House Bill # LBB-2001


A BILL
TO BE ENTITLED
AN ACT

Student Debt Protection Act

Purpose:  To educate students and enact responsible lending guidelines to students seeking state/federal loans for College and post-graduate course work.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF SOUTH CAROLINA

Section 1.  For the purpose of this act, “student’s” refers to any individual seeking to borrow money from federal or state entities for the purpose of furthering their academic progress at an accredited higher education institution.

Section 2.  It is unlawful for a student to borrow greater than 50% of their projected annual compensation.  Projections of annual compensation are determined by the students declared degree pursuit, and solidified by salary surveys from actual employers in that field.   Each state will determine the appropriate salary for its state, based on the surveys from that state.   

Section 3.  Students must make satisfactory progress each semester to be eligible for receiving state/federal loan proceeds the next year.  Satisfactory progress means that the student has progressed in their declared degree so as to be able to graduate within five academic years from starting the degree.   If a student fails to make satisfactory progress the loan becomes due in equal installments six months after withdraw from school over the course of 84 months.

Section 4.  Student loan proceeds are divided equally among four or five academic years, (students choice) up to 50% of the students projected salary from the degree they are pursuing.  Projected salaries are updated every other year in odd years.   The maximum amount a student is eligible to borrow in any one year on the four year plan is 12.5% of their projected salary from their degree, and 10% on the five year plan.

Section 5.  All students who obtain state/federal loans are required to complete a one-college credit course in personal finance and safe debt practices.  This course is provided free of charge, at the college/university expense.  The student must pass this class the first semester they are enrolled in a higher education institution.  Students who do not pass this class are ineligible for further state/federal loans.

Section 6.  Upon graduation students must begin repayment 7 months after their graduation date.  Students who begin repayment within 2 months of graduation and continue making monthly payments for six consecutive years receive a 4.75% one time loan reduction.  Students who repay their loan prior to month 72 will receive a 6.75% one time loan reduction.  Maximum loan reduction cannot exceed 10%.  All loans must be repaid within seven years of the student’s graduation date or the loan becomes default.  Payments will be equally divided over 84 months at a fixed interest rate set at the time of lending.

Section 6.  All laws or parts of laws in conflict with this act are herby repealed.

Section 7.  This act shall become law July 30, 2018.

Monday, April 2, 2018

Children Need a Crisis of Faith

Recently, Tari Dean, our Children's director at Sandhurst provided the staff with an excellent and sobering article from Jon Bloom.  Jon wrote, sharing his personal experiences, regarding the need for children to have a crisis of faith to help cement their own personal faith.  I found the article, and the points Jon made to be very helpful.  I encourage you to read it and reflect on it yourself.
https://www.desiringgod.org/articles/children-need-a-crisis-of-faith

How do I Pray?

I was challenged this morning to think about how I pray?  Samuel Chadwick said, "Prayer is not a collection of balanced phrases, it is ...