Compound Interest

Famous scientist Albert Einstein was asked what he believed was his greatest discovery. He replied, “Compound interest.” Loan sharks know about compound interest and how it works. A person borrows $1,000 from a loan shark at 30% interest per week. After the first week, the person owes $1,300. Without a payment, after two weeks, the victim owes $1690. After three weeks, $2,197, and on and on.

Sin compounds too. C. S. Lewis wrote in Mere Christianity, “Good and evil both increase at compound interest. That is why the little decisions you and I make every day are of such infinite importance. The smallest good act today is the capture of a strategic point from which, a few months later, you may be able to go on to victories you never dreamed of. And apparently trivial indulgence in lust or anger today is the loss of a ridge or railway line or bridgehead from which the enemy may launch an attack otherwise impossible.”

Every day at the office, on the road or in our neighborhood tavern, we make decisions. Swearing, bad-mouthing the boss, our wives or boyfriends are just a few bad loans we take from Satan, the ultimate loan shark. Macho trash talk sows a negative seed. That seed grows, and a plan emerges. Once the action plan is in place, it takes only a moment of madness for our world to blow up. On the other hand, when we attempt to love people as Jesus commands, we find ourselves liking them more. As we practice good feelings toward people, we find ourselves liking more people…including those we could never imagine liking.

Walk with Einstein and give Compound Interest a try!

 

 

For most of us, if we had the history of our problematic behaviors printed out it would resemble “rap sheets” similar to criminals arrested many times. Many us would have long “rap sheets” that probably don’t begin to detail our entire sketchy history of activity. Our “rap sheets” most likely began with petty stuff. We stole a little beer from our parents, lifted a few bucks from Dad’s wallet, but soon found ourselves wanting and doing ever more dangerous and serious stuff. Temptation is an escalator…it moves us from minor to more difficult indiscretions. Take Rachel’s true story as an example.

Rachel was eleven when her parents split up. She was angry with her parents and angry with herself since she mistakenly blamed herself for her parents’ divorce.

The rage got worse when her mom’s new boyfriend started making sexual moves on her when she turned thirteen. It boiled over when her mother didn’t believe her when she told her about the advances. Rachel decided to run away.

Once on her own, Rachel needed food and began stealing it. Then someone offered her some weed, which took the pain away temporarily. Money was always a problem, so Rachel traded her body for food and drugs. That led to numerous arrests. After getting out, Rachel hooked up with a pimp who was also responsible for a large cook of meth. She started to use and then agreed to sell it. She was busted and sent away for eight years for distribution.

The devil is never satisfied with little temptations. His goal is to lead us up the escalator to “bigger and badder” sins. Remember: King David’s adultery with Bathsheba started with just a peek and ended up being first-degree murder.

We need to understand temptation. We need to know where it comes from, what it looks like, and how it works so that we can identify it, prepare for it, and deal with it. Temptation is ultimately a test. Will we do the right thing, or will we give in to the temptation?

When we realize that each temptation leads to greater sin, we need to stop and think. We must recognize the path that we’re on. Never be deceived into thinking temptation is a one-shot deal.

Jesus was tempted too. Jesus did not give in. He did not sin in the face of temptation. He won the battle. We serve a Savior who faced the same temptations we do every day. Jesus went into the wilderness for a showdown with Satan, the enemy of our souls—and Jesus won!

Let’s be on our guard. We can be confident of God’s strength to give us victory over temptation.

Some days we feel broken. Shattered. Useless. We wonder if God could ever find us useful to Him.

We need to remember that even if our lives are completely blown up, they can be repaired. God is a repairman who fixes shattered lives and makes them whole again. His tools are conviction, confession, repentance, and forgiveness of sin. These are the tools of deep, permanent, personal change in our lives.

One of the dangerous facts about sin is that the more it increases, the more our awareness of it often decreases. We become numb to our own inner rebellion. We need the touch of the Holy Spirit—or friends who are willing to be honest with us—to make us aware of our sins. Conviction is the first great tool in God’s repair shop.

Once convicted, we must confess our sins to God. When we confess them, we are agreeing with God that we are not in tune with His plan for our lives. Our confessions to Him tune the radio of our hearts to the exact frequency, bringing clear music into our souls.

When we repent, we turn away from our sinful behavior. We admit that the problem lies in us. When we repent, we give God permission to begin His repair work.

God’s forgiveness is like the finish coat of paint on an old toy. It makes it look new again. Forgiveness helps us begin to feel worthwhile again. Our spirits are made whole. We can begin to perceive ourselves as worthy because we are worthy in God’s eyes.

 

 

When we accept Jesus as our Savior, we become totally new persons. Our old life of bondage is gone, and a new life of freedom begins.

Many of us know bondage. Some of us were (or still are) in slavery to drugs. We know fear and what it feels like to be really afraid. Many of us were abused and are now held hostage by feelings of abandonment and rejection. We still feel the pinch of the shackles of hopelessness around the wrists and ankles of our lives.

We carry around the chains of pride and self-centeredness that prevent us from asking God to unlock the manacles of hopelessness. Some of us are afraid to trust Christ because we don’t really believe He will get our lives right. We fall into the trap of thinking that a life in Christ is all about rules and regulations. It isn’t. Anything that stresses rules and regulations as a way to God may be a religion, but it’s not a relationship. It is not true Christianity. When Jesus saves us, He saves us for a life of freedom—not freedom to sin, but freedom to do the right things.

Our Savior’s keys unlock our chains. Our old lives—with their bondage and negative patterns—are gone. A process of change begins. Our old lives are like polluted fish tanks that smell up a room when the water filter is broken. When we accept Jesus as our Savior, He places a new water filter in the water tanks of our lives. He drops chlorine tablets into the reservoir of our hearts. The result is pure, sweet water that promotes life and health and hope.

Taking our faith in Jesus to work or out with our friends is an intimidating thing. We are considered wimps or worse for believing in Jesus, and we get confronted with tough questions. People want to know why a “loving” God allows starvation in Africa or massive earthquakes in poor countries or a gunman killing six-year-old kids at school. They consider us extremist, arrogant and intolerant for believing that Christianity is the only way to God.

While we should and can validate their questions and exhibit Jesus’ sympathetic and understanding heart, we must avoid the devil’s trap. Don’t let those taunts and questions intimidate us and prevent us from proclaiming the truth. So how do we avoid that ambush and share our faith? Point them to Jesus!

Jesus is not a religion—He’s a person. That makes all the difference. He the foundation that must be addressed before any other issues are talked about. As any builder knows, the foundation is the most important thing to get right. It does no good to discuss kitchen cabinets until the foundation is squared away.

People must decide who Jesus is. They must be given the chance to examine His life and ministry so that they can decide if He is a liar, a nut-job, or Lord of the universe. If they reject the claims of Jesus, then discussing God with them is a waste of time. If they come to accept Jesus as Lord, then the tough issues are put into context of a loving Lord who gave His life for us.

If the hub of a wheel is true to form, the whole wheel performs correctly. When we take our faith to the yard, we must take our searching sisters and brothers to meet the risen Lord. Everything else will fall into place once they get Jesus right!

When we discover something for the first time and like what we’ve learned, we usually get excited about it. We can remember the excitement of skateboarding, fly fishing or putting on makeup for the first time. Similarly, many of us recall our excitement when we first came to Christ. We experienced His forgiveness and acceptance. We wanted to shout it from the rooftops.

Many new believers are on fire for evangelism and may impulsively walk into the coffee break room at work and declare the Gospel to every bleary-eyed coffee drinker in the room. Or we take the microphone at a family reunion and preach a ten-minute sermon when all they asked us to do was open with prayer. We buttonhole our team at the bowling league and drive them to distraction with our over-the-top testimonials about Jesus! Ugh! Even seasoned Christians might get tired of this type of over enthusiastic evangelism!

As admirable as this enthusiasm is, the Bible teaches us that we need to mature, allowing older Christians to counsel us. Just as sixteen-year-olds need driver’s training to go along with new driving privileges, newborn Christians need mentoring. Mature believers in our church have the responsibility to recognize that new Christians need help. In their passion for Jesus, new Christians may be judgmental. They may rightly identify sin but could harshly condemn it in others, without the love and gentleness more mature men and women of faith might exercise. Baby Christians can be quite demanding in their desire to be fed. Just as newborn babies demand feeding, baby Christians insist on getting attention. Full-grown believers must teach and offer loving suggestions for contemplation, personal Bible study, prayer, and corporate worship. Allow new believers to mature before electing them to positions of leadership (see 1 Timothy 3:6).

The body of Christ in our world today has many members, and each must nurture the other. New Christians must submit to the authority of the mature members, while the mature saints must not smother the ardor of the new ones. In unity, the work of Christ moves forward.

Many of us are in prisons without walls.  Those prisons are self-made places of confinement that we have constructed in our minds. Built over time, we believe that because of some of the things we have done in our lives, God could never love us. The devil whispers to us, “God could never love someone who has had an abortion, abused drugs, gotten divorced or hooked up on a regular basis.”  As usual, the devil’s got it wrong!

One of the amazing things about God’s love is that He loves us despite who we are, not because of who we are. That is radical grace. We all have spent too many years trying to be someone who was worthy of another’s love. We’ve tried to earn love from our parents, our boyfriends, the people we work with, drug dealers, and our bosses. We’ve worked hard to be rich enough, pretty enough, or tough enough to deserve their attention and love. God’s love works differently. God sent His own Son to die for us while we were still sinners. (See Romans 5:8, But God showed his great love for us by sending Christ to die for us while we were still sinners.) Even when we were selling dope, cheating on our income taxes or worse…God loved us. He doesn’t say to us, “Straighten yourself up and clean yourself off and then I’ll take a look at you.” No. He loves us as we are—period.

Another amazing thing about God’s love is that it’s extravagant, over-the-top. God doesn’t skimp on love. He shows His love by sending His own Son—not some low-level flunky—to die for us. He sent His own Son—His only Son—to die for us. Most of us have never experienced that kind of unconditional love.

That unconditional love is life-changing. It offers forgiveness and gives us value, hope, and peace. When it seems dark in our bedrooms are 3 A.M., we can hear His voice calling our name, saying, “I love you just the way you are. Come to Me. Accept My love. My Son has covered your sin.” Who wouldn’t want to say yes to that kind of love?

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Do not be misled: “Bad company corrupts good character.”    1 Corinthians 15:33

As we were growing up, we always knew the girls who knew how and where to shoplift the coolest lipstick. We also knew the guys who could hot-wire a car so we could take a joy ride. Those same guys were the ones who tried to get us drunk! We were attracted to their “badness” and power. But when we remember their evil impact on our lives, we can appreciate the role that bad character plays in our lives and why the Apostle Paul wrote: “Do not be misled: Bad company corrupts good character.”

Have we learned our lessons from our experience with the losers in our lives? Or, are we still drawn to the “bad-asses” who know how to manipulate the system? Do we admire the women who can manipulate and get away with murder at work and influence events for their own benefit? Do we overlook the lies and the cover-ups it takes to operate in this fashion? If so, then our companions will lead us into sin.

The people we hang with will definitely have an effect on what we think about life. Friends who seem attractive to us and flatter us may not be the best influence on our attitudes. Our attitudes toward our families, our wives or husbands, our bosses, and ultimately, our own sin, determine how we act.

We must not be seduced into thinking we can keep bad company and still retain good character and a healthy relationship to God. Light and darkness do not go together; one chases the other away. Like the old proverb says, “You lie down with dogs, you wake up with fleas.”

As the new year starts, we need to evaluate our acquaintances and determine if they have a positive or negative effect on us. Do they promote sinful actions or encourage us to stay close to Christ? We need to find other believers who will have a godly influence on us. Good company promotes good character.

A little boy found his father’s old collection of comic books in the basement. There were old Superman and Archie comic books alongside the Fantastic Four and Batman comics. All were sealed in plastic sleeves to prevent mold and dirt from destroying them. The son asked his father what these old comic books were worth. What was their value? The father replied, “They are worth what one person is willing to pay for them.”

What is a person worth? What are we worth? What are you worth? Do you ever sit alone after a tough day or in the midst of a busy life and ponder the question, “What am I worth?” Most of us do from time to time. The problem is that we look for the answers in the wrong places. In secular society the answer to “value” question is wrapped up in what our jobs are, or how much money we earn or how beautiful we are. Sometimes we flash the Rolex we wear to garner value from others. Sometimes we brag about the vacation spots we have visited or the new cars we are driving. In a world driven by advertising these are the answers put forth.

Big problem is all these things never satisfy. There is always someone with a more expensive car, flashier watch and bigger house. It is a fool’s game that leaves us feeling like we are hamsters on an exercise wheel. So what is the source of true value and significance?

The answer is found at the Cross of Christ. Remember, the power of the cross is that although we were more sinful than we ever dared think…God loved us so much that He sacrificed His Son to pay the penalty for our sin. God wanted relationship with us…valued us so much…that Jesus laid down His life voluntarily so that we would be in relationship with Him forever. This ultimate gift of love cannot be equaled and is the immovable rock that stands with us when times are good…but more importantly…when times are tough. God demonstrates our value to Him and His love for us on the Cross of Calvary.

The writer Helen Wodehouse said, “We think we must climb to a certain height of goodness before we can reach God. But He [God] does not say, ‘At the end of the way you may find me’; He says, ‘I am the Way; I am the road under your feet, the road that begins just as low down as you happen to be.’ If we are in a hole, the Way begins in the hole. The moment we set our face in the same direction as His, we are walking with God.”

Many of us wake up each morning feeling that God could never love us. People we trusted sometimes sexually abused us as children and then afterward angrily told us we were worthless. As adults, we often stayed in abusive relationships, hopelessly searching for love. We misguidedly thought that if we treated our abusers better, we could earn their love.

Many of us view a relationship with a loving God in the same twisted way. We mistakenly feel we must “be good” to earn His love. Nothing is further from the truth!

God does not care where we have been; He is concerned only about where we are going. He searches for us and meets us where we are. God comes alongside us at the most depressing moment of our lives and whispers that He loves us, forgives us, and believes in us (see John 3:16; Jeremiah 29:11). We can trust those words!

We can experience God’s redeeming love. We can cop to the sin in our lives and turn away (repent) from it (see 1 John 1:9). When we confess and change direction, we will be on the right road. His genuine, authentic love will flood our hearts as we walk in His direction.

 


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Continue to remember those in prison as if you were together with them in prison, and those who are mistreated as if you yourselves were suffering.
    Hebrews 13:3

Dear children, let us not love with words or speech but with actions and in truth.
     1 John 3:18

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