Non-Profits need your vote September 15, 2009
Posted by BDO in Descriptions, Organizational.Tags: beat, beating, charitable, congress, consumer, Debt, financial, government, ill, incentative, industry, organization, poor, shelter, tax
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There is a lot of rhetoric today about how we can empower the government to make this world a better place. How can the government do this? Simple: it has the power of taxation. Many believe that if the government raises taxes, America can be forced to act more generously and humanely by sending those taxes to government entities responsible for “good” social change. However, my question regarding this is:
What can Government do that your favorite charity is not doing already?
There are many that believe that creating a new entity within the government will help America become a better place. To that end, to ensure the entity is able to make a better place, the same people want to raise taxes enough to fully fund what is necessary to do the “good” function. However, again, my question to these ideas remains…
What can Government do that your favorite charity is not doing already?
If the people who see their “good” solution through the government have the political will and power to raise taxes and convince the populace to support their new “good” government entity, why don’t they save their power and will and just support nonprofit organizations that are already doing great things?
Nonprofits do great things for society (both in America and worldwide). Most people agree the reason many nonprofits are not able to do as much as they would like to is because they lack funding. Instead of negatively motivating people by raising their taxes, why not provide greater tax incentives for people who choose to give generously to their favorite charity? Tax incentives are a positive way to motivate America, where as raising taxes is a negative, forced solution. Tax incentives are a solution that gives people enthusiasm to be generous and the freedom to put their money towards their favorite charity instead of forced, fake generosity towards only one government entity.
If Americans have a choice between taxes or charity, then the government should give people every reason to be generous before forcing them to be generous. Let’s believe that people are “good” and just need proper motivation to be what is in their heart.
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Lessons from Labrador August 27, 2009
Posted by BDO in Debt is Slavery, Spiritual.Tags: anticonsumerism, beat, beating, charity, Dan, Debt, generous, Graves, Grenfell, Labrador, missionary, sharecropping, Wilfred
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by Dan Graves

When missionary Wilfred Grenfell began work among the fishermen of Labrador in 1892, he found them trapped in a vicious credit system. This “truck system” was not unlike the sharecropping in the southern United States which kept blacks in virtual slavery long after the Emancipation Proclamation. There are lessons to be learned from the situation and Grenfell’s solution.
Dependent on sales of fish harvested in summer, Livyeres (Labradoreans) had to borrow against next-year’s anticipated catch for winter. The Biblical adage proved true: “the borrower is servant to the lender” (Proverbs 22:7). Most were so deeply in debt they had no hope of extricating themselves; and often could not even calculate how much they owed. Merchants priced goods at whim and advanced only what credit they chose. Worse yet, they found ways to pass the expense of the lazy upon the industrious, with the usual result of socialism, that hard workers resented slackers and reduced their own efforts.
The results were sometimes desperate. Grenfell recounted the extreme example of a Mr. Olliver, who, having exhausted every resource, and failing in efforts to borrow even a handful of flour from his distant neighbors, was unable to bear the hungry cries of his youngsters, so sent his wife and two older children out to forage, and killed the three remaining babes and himself.
With gusto, and vision, Grenfell undertook to remedy the deplorable situation. He solicited clothing from England for the worst-clad, whose condition in winter was pitiable. This raised howls from the merchants, who said they would be ruined if their serfs obtained for nothing what they hoped to sell them on credit. Not that Grenfell tolerated spongers: “The Labrador has taught me one truth, which as a physician I never forget, that is, coddling is the terrible menace of civilization, and ‘to endure hardness’ is the best preparation for a good soldier.”
The Livyeres needed more than handouts, however. They needed better means than hunting, scavenging, and borrowing to provide their winter necessities. They needed some long-term way to assist themselves. Grenfell’s plan was to offer a minimum of material assistance, to establish cooperative stores which the fishermen operated to their own advantage, to create industry for the Livyeres, and to educate the children out of their parent’s rut.
He imported reindeer to enrich their winter diet with milk and meat, established a lumber mill, a barrel factory (fish were packed in barrels), and a shipyard—all of which offered employment when fishing was impossible. Millennia earlier, Solomon had counseled diversification, saying, “Sow your seed in the morning and at evening let not your hands be idle…” (Ecclesiastes 11:6). Grenfell’s principle was the same, only substituting for morning the summer and for evening the winter.
The Labrador story is not merely of historical interest. It serves as a warning for lenders. Unjust systems hurt them, too, and not just spiritually. In one year, every bank in Newfoundland failed, pointing up the rottenness of the system.
Borrowers, learn from Labrador! Endure hardship today rather than fall into debt; but if you cannot avoid the pitfall, extricate yourselves as quickly as possible. Find additional work (the sawmill); cut costs (the co-operatives); look about for substitutes to traditional methods (the reindeer). If Grenfell can teach those lessons, he speaks still from beyond the grave.
Sources:
Christian History Institute. Glimpses # 118. “Wilfred Grenfell: The Doctor Who Went Out into the Cold.” Dictionary of National Biography. London: Oxford University, 1968.
Garlick, Phyllis. Six Great Missionaries. London: Hamish Hamilton, 1955.
Grenfell, Wilfred Thomason. Adrift on an Ice-Pan. Boston & New York: Houghton Mifflin, 1909.
[Ibid]. A Labrador Doctor. Boston: Houghton-Mifflin, 1919.
[Ibid]. Vikings of To-Day; or Life and Medical Work among the Fishermen of Labrador. London: Marshall Brothers, 1895.
Kerr, J. Lennox. Wilfred Grenfell; His Life and Work. Dodd, Mead & Co., 1959.
Parkman, Mary R. Heroes of To-Day. New York: The Century House, 1919.
“Wilfred Grenfell.” Wikipedia. http://en.wikipedia.org/wiki/Wilfred_Grenfell. (retrieved 2009-08-26).
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Giving God His Due August 17, 2009
Posted by BDO in Spiritual.Tags: anti-consumerism, beat, charity, Debt, driven, generous, giving, life, purpose, rick, tithe, warren
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Today, our pastor talked about a convention he attended and some things he learned from Rick Warren, the guest speaker. Before writing The Purpose Driven Life, Rick and his wife had committed to tithing to God in a very uncommon way. Every year, they would take another percent of their income and add it to their tithe. Instead of giving 10%, they raised their tithes to 11, 12, 15%. I don’t know how high they actually got before The Purpose Driven Life was published, but I imagine it must have been pretty high because it took a long while to get to the point in his life where God had prepared him to write the book.
Once The Purpose Driven Life was published, money came rolling in. That book is actually the #2 bestseller in the entire WORLD. It’s second behind the Bible. :) Our pastor said Rick got to a point where he was excited about the prospects that money could bring him…until God reminded him otherwise. Rick become impressed with the fact that the money was God’s and that he should remain in his “old” home and continue to use his “old” truck. He didn’t need more than he already had, and if he did, God would provide. What a way to be kept humble!
What’s more, the success of The Purpose Driven Life has allowed the Warrens to give 90% of their income to God’s kingdom. How amazing! They live on the 10% normally allotted to God and give God the 90% allotted to them. Would that I could do the same! Thankfully, our family is debt-free, so we can give without worrying about where the money is going to come from.
But I have to wonder about people who are in debt. How hard it must be for them to give even the “minimum” 10% to God! It’s hard to trust anyone with money, even God. The laws of mathematics say that 0-x=-x. But when we give to God, He breaks those laws (He can because He created them). 0-x=enough. He ALWAYS provides for those who are faithful and trust Him. I encourage you to give your tithe, even if you don’t think you can afford it. Trust me, God math is incredible.
Before we were debt-free, we struggled to make the right money decisions. However, we never ever considered stopping our tithe. In fact, it was one of the things we agreed we’d always do despite our circumstances. Whatever we have, be it little or much, is from God. We owe him much, so why begrudge Him the 10% He asks us for? Such were our thoughts six years ago during marriage counseling, and five years into our marriage, we see the fruits of giving to God.
I urge you to examine your finances carefully. Decide to pay God before you pay yourself and definitely before you pay your bills. If you’re in debt, make plans to get out of it. Christ calls us to give freely, but we can’t do that until we get rid of our allegiances to our credit companies. God says the borrower is a slave to the master. Stop working to further someone’s agenda and put your money to work for God’s kingdom!
Finally, analyze whether you can give a little more generously to those on mission for God. You can give your money to your church, to missionaries, or to Christian non-profit organizations. Do a little research and give where your heart is. Stop being selfish with your money and give it to people who actually need it. Everything we do will be returned to us, not necessarily in the form of money, but in the form of blessings.
Photo by: Mr. Kris
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House approves $2 billion “clunker” extension July 31, 2009
Posted by BDO in News.Tags: Debt, beat, government, green, loan, rebate, new, cash, clunkers, anti-consumerism, used, car, environtment
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By Reuters
An initial $1 billion in funding approved this summer to boost stagnant industry sales has already been exhausted, officials said.
Consumers stormed dealers over the past month to take advantage of federally backed rebates of up to $4,500 on trade ins of gas guzzlers for more fuel efficient vehicles.
This blog is not to criticize what the House approved. I am writing this to point out how much personal debt has been accumulated due to this government sponsored marketing effort. If the average car buyer received $3,000 for their trade-in, the $1 billion is exhausted, and the average car buyer bought a minimal priced car at $15,000, that would mean that $4 billion in new consumer debt was just created.
The picture below should explain better.
This $4 billion in new personal debt raises some issues and concerns.
Some say that the program is great for the environment and for you to save money. But others say you can get a more efficient vehicle and spend less money by buying used. Consider that to make another “green” vehicle requires vast amounts of energy that creates a “carbon debt” that would take the new “green” vehicle at least 45,000 miles to make up according to Wired magazine. Also consider that Kiplinger’s Personal Finance finds that buying a new car is the number one money waster in a person’s budget. So from reliable sources you can be assured that if you found a late model, efficient used car you would save more money and the environment instead of going for the cash for clunkers program.
Remember this program’s intent is not to ensure more efficient vehicles on the road, because if that were true used car dealerships would be included in this program. This program was a response to the Realtor Association getting their $8,000 marketing effort from the government to spur home mortgages. Now the new car dealerships wanted a piece of the action and was able to convince Congress to offer a similar marketing effort to increase car loans. More on these ideas can be read here.
Also, realize the $1 billion that created this $4 billion in personal debt is a loan as well. Currently the government is out of money, so this $1 billion is just a loan from someone passed on to new car buyers to supplement their car loans that will need to be paid off sometime in the future. Add the $1 billion to the total $4 billion in personal debt and America just raised its debt load by $5 billion.
Finally, don’t we have enough stuff?
So, here at BDO, we have our work cut out for us to convince people to stay away from personal debt. I just hope that the 333,333 new cars were bought were chosen by buyers who NEEDED a new car and did not buy them just because a salesperson told them about a “new lower price”.
For more on this article, click here.
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#1 waste of money. July 28, 2009
Posted by BDO in News.Tags: anti-consumerism, beat, car, cash, clunkers, dealers, Debt, fail, loan, new, program, rebate, system, used, waste
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Opposite articles on MSN.com
The news media is so funny. MSN.com had two articles on their front page announcing opposite views of the “cash for clunkers” program. Could that be considered for a FAIL BLOG entry?
Anyway, the first article displayed its title in bold letters saying, Dealers say ‘clunker’ rebates drawing in buyers. The author, Roland Jones, says,
“Auto dealers around the country are reporting that the first weekend of the government’s $1 billion ‘cash for clunkers’ program,…is already boosting vehicle sales…”.
He goes on to admit that the “cash for clunkers” program’s intent is to
“… spur vehicle sales while the industry is struggling with the effects of the economic downturn.”
These statements prove our previous blog about the program when we said that the “cash for clunkers” program was
“…to entice customers to seek out a new car dealership and to buy a new car. As you’ve seen around your city, many auto dealers are using this new law to market their ‘great deal’ to convince people to take on more debt.”
To read an explanation of the “cash for clunkers” program, click here.
But here is the thing, right below that article was an article called 20 ways to waste your money. The authors of that article, Kiplinger’s Personal Finance, believes that the number one money waster is buying a new car, instead of a used one.
“Talk about a spending leak — or, rather, gush. Cars lose most of their value in the first few years, meaning thousands of dollars down the drain.”
So, MSN.com shows an article supporting the new car, personal debt building program called “cash for clunkers”, but then inadvertently releases an article saying that buying a new car is the biggest waste of money. Ha, ha!
Hopefully, people will see through the “cash for clunkers” program and decide to a buy a car only if they NEED one, not because some salesperson is selling them “new lower prices” for something they don’t NEED.
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Video Review: Big Ideas That Changed The World – Consumerism July 22, 2009
Posted by BDO in Multimedia, Reviews.Tags: beat, big, consumerism, Debt, environmentalism, government, ideas, religion
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The below video gives an excellent description of the how we got into this mess of consumerism and how we all can transform consumerism into a more sustainable lifestyle for all.
Many big ideas have struggled over the centuries to dominate the planet; fascism, communism, democracy, and religion. But only one has achieved total supremacy. Its compulsive attractions rob its followers of reason and good sense. It has created unsustainable inequalities that have threatened to tear apart the very fabric of our society. More powerful than any cause or any religion. It has reached into every corner of the globe. It is CONSUMERISM.
What we are talking about here is a vision of a completely different world. It is a combination of two things. A different kind of politics. A politics of well-being and happiness rather than of economic growth. And a different kind of consumerism, living better by consuming less.
This video does an excellent job in analyzing the current situation and providing tangible methods that every person at every level of politics or socio-economic status can do to reverse the religion of consumerism.
I challenge you to watch the video and find ways you can live a more sustainable lifestyle. One thing we must understand is the addiction to debt has facilitated the religion of consumerism to affect all aspects of our life. Until we recognize consumerism as a competing religion that is us robbing of our joy and happiness, we will never experience freedom. The first step to beat debt is recognize and overcome the power consumerism has over you and then work to get out of debt. Living a life without following the religious principles of consumerism leads to a sustainable lifestyle for you, your place in your community, and the planet.
To view the whole video, click here.
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What are your experiences with consumerism?
How has the religion of consumerism affected your part of the world?
How is consumerism more powerful than your religion?
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Personal debt continues to go down June 11, 2009
Posted by BDO in Debt is Slavery, Organizational.Tags: beat, beating, consumer, credit, Debt, federal, loan, personal, reserve
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On June 11th, the Federal Reserve released its latest findings on Consumer Debt Outstanding. In reflection of good personal choices, consumer debt went down by 1.1% for the first quarter 2009. This is amazing because it brings the total national debt down to $13.7 trillion. Also, for the first time ever, personal debt did not grow for the second quarter in a row. This decrease was due to a 0.0% drop in household home mortgage debt AND a 3.5% drop in consumer credit.
Maybe we can interpret that as people are starting to turn away from using loans and credit cards and are starting to pay off their debts and earning their freedom. This is great news! Since debt is going down, BeatingDebt.org updated the scripts on the Consumer Debt Clock to continue counting down. Isn’t that wonderful?!
Check out the Consumer Debt Clock that is going down in value and feel free to add it to your website to encourage others to help decrease our consumer debt addiction.
Can we keep up the trend of the clock going down for another quarter?
Can we help it along by paying off our consumer debt?
The next Federal Reserve update will be September 17, 2009.
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Mad as … June 5, 2009
Posted by BDO in Debt is Slavery, Multimedia.Tags: activism, bad, beat, beating, consumer, consumerism, Debt, deficit, government, TV
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When will we see the truth of how debt affects us?
When will we turn off the TV and all its marketing ads telling us we are unhappy unless we buy their product/service?
When will we get sick and tired of being sick and tired of being in debt?
When will we get mad as $%#@ and desire to stop being in debt?
When will we earn our freedom away from debt, away from the marketers selling us “stuff”, away from the consumerism that keeps us locked inside a perpuetual need to shop and spend money?
Debt is slavery. Rise up and get out of this “soft” slavery. There is no need to write our congressmen. There is only the need to earn your freedom from debt. Free people have choices and voices. Slaves do not. And those that are free must rise up in defense of those that are not and fight to get our fellow brothers and sisters out of the slavery of debt.
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The world is protesting debt April 29, 2009
Posted by BDO in Debt is Slavery.Tags: America, asia, beat, beating, britian, consumer, consumerism, Debt, economic, financial, human, philosophy, protest, rights, system, world
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For so long it has been institutionally and culturally accepted to be in debt. But what do these pictures have in common.
From Britain to America to Asia, people are rising up and protesting debt as being normal and accepted. Why is this happening?
“Just as the rich rule over the poor, so the borrower becomes the lender’s servant.” Pvbs 22:7
It is quite interesting after reading that verse from the Bible that God cautions us away from debt just as the protesters are doing. Taking the verse into context of the whole chapter of Proverbs, one could say that only a fool would be in debt. However, in today’s current economic systems and philosophies, debt is the main instrument of economic success of the entire world.
What happens to an economic system that is based on what God considers foolish?
Photo by:
World Development Movement
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Keeping Pace – Jacksonville finishes 26 week course April 27, 2009
Posted by BDO in Organizational.Tags: accountability, beat, beating, consumer, consumerism, Debt, economy, finances, group, jacksonville, keeping, nc, pace, personal, raleigh
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The Keeping Pace Accountability Group in Jacksonville, NC finished the 26 week course this past Sunday. There were many great times and many transformed lives.
Our accomplishments were:
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$4,620 of debt beaten from September 08 – April 09
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$5,000 of emergency money saved
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All members worked from Lap 1 to Lap 3 at a minimum
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Two Debt Evangelism events organized: Black Friday and Valentine’s Day
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One volunteer event organized: Canned Food Drive
Here are some final pictures of our group:
Here are some of the reviews of the course from our final evaluation:
As a pilot course it was well executed, I suspect future classes will be equally or more successful.
Without losing the big picture, this class can apply to more than current debt or past failures. It opens up to a change of life.
Videos were great, excellent teaching tools.
Keeping Pace – Jacksonville
Two of the current members will be going on and teaching the next Keeping Pace – Jacksonville. If you are interested in joining this group or following its progress, please go to: http://beatingdebt.ning.com/group/keepingpacejacksonvillenc
Keeping Pace – Raleigh
I will be moving to Raleigh, NC. I am organizing another Keeping Pace in Raleigh. If you are interested in joining this group or following its progress, please go to: http://www.meetup.com/Keeping-Pace-Raleigh
The first draft for the curriculum of the Keeping Pace group is finally completed. I will be spending the next month or two finalizing the ideas and lessons to ensure they are easy to follow, teach, and learn. For more info on a Keeping Pace group, please go to: http://www.beatingdebt.org/KeepingPace.htm
To the members of Keeping Pace – Jacksonville:
Thank you for the hard work and commitment.
You were a great class and I am confident the things we learned will make you effective in helping people stay away from debt.
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