Monthly Archive for July, 2013

Psalm 23 for the businessperson

The Lord is the Owner and Operator of my business; He will supply all I need to serve my staff and customers.;

He invites me to take regular daily sessions alone with the Boss, to have periodic strategic discussions in a nice environment to gain a fresh perspective on our business.http://www.jhn316.com/wp-content/uploads/2013/04/shepherd.jpg

He restores the balance in my innermost being, between my thinking, my emotions and my will, so that I can make the right decisions at the right time;

He gives me direction to do the right things in the right way, so that His reputation is maintained by the way I do business;

Even though I am overwhelmed with problems and deep in crisis, I remain calm knowing that He is with me; that He will provide a way out of the crisis and give me the power to overcome the problems I’m facing.

In a tough marketplace with aggressive competitors, I don’t have to worry about what everyone else is doing but allow God to help me work out my unique business model to fully serve the customers.

Goodness and love, essential business assets will be constantly at my disposal both to receive and to give, and I will enjoy experiencing the Lord’s activity in every area of His business forever.

Read the accompanying article: “Discerning God’s leadership in business decisions.” Continue reading ‘Psalm 23 for the businessperson’

An ingenious substitute for the chain and whip of the slave-driver.

“An ingenious substitute for the chain and whip of the slave-driver.”  This is quote from the “Devil’s Dictionary” by Ambrose Bierce, 1911, describing debt.

I read this in conjunction with commentary about pay-day loans. Right now, a very successful Muslim footballer, playing for my club Newcastle United is in talks with the club after refusing to wear the club shirt which has the name of the sponsor on the front. This sponsor is Wonga, a pay-day loans company. I wonder how far he will take this Muslim principle of not promoting lending against (excessive)  interest or if pragmatism will prevail. Interestingly enough, he did wear the shirt with the logo of the previous sponsor which is a bank (…).

Recently, the Office of Fair Trading in the UK said that over 2 million people tale out these loans to cover a cash crisis until pay-day, which carry interest rates of typically 25% per month.  Continue reading ‘An ingenious substitute for the chain and whip of the slave-driver.’

7 Characteristics of Debt-Free People

Family #1 manages to pay off $40,000 in debt in two years on a $35,000 annual income. Family #2 makes $100,000 a year but can’t seem to make the slightest dent in the same amount of debt.

Why is that?

Obviously, the second family has a spending problem. They make plenty of money—more than enough to pay off that debt in two years. But they have so much money going out, they can’t keep their head above water. Whether it’s in the form of an overbearing mortgage, credit cards, a hefty car payment or just making poor choices like eating out every night, their debt keeps them from making progress.

So all of their income gets sucked up by other stuff, which leaves them making minimum payments on their debts and never gathering any momentum. It’s a difficult, stressful way to live.

At some point, people who become debt-free decide that enough is enough. Their old lifestyle wasn’t working, and they’re ready to make some serious changes. It’s like they have a personality change, but that’s not what really happens. All they are doing is rediscovering aspects of their personality that have always been there.

So what are some of these traits of people who get debt-free? Continue reading ‘7 Characteristics of Debt-Free People’