Payday Lending Links


Today, I made a presentation on payday lending at Evangel University’s Compassion Symposium.

First, here’s a video from Pew Charitable Trusts that explains how payday lending works:

Here’s an additional video about who uses payday loans and why:

I referenced the following Scriptures:

I referenced the following documents:

The Declaration of Independence



IN CONGRESS, July 4, 1776.

The unanimous Declaration of the thirteen united States of America,

When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another, and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness.–That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, –That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn, that mankind are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security.–Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.

He has refused his Assent to Laws, the most wholesome and necessary for the public good.

He has forbidden his Governors to pass Laws of immediate and pressing importance, unless suspended in their operation till his Assent should be obtained; and when so suspended, he has utterly neglected to attend to them.

He has refused to pass other Laws for the accommodation of large districts of people, unless those people would relinquish the right of Representation in the Legislature, a right inestimable to them and formidable to tyrants only.

He has called together legislative bodies at places unusual, uncomfortable, and distant from the depository of their public Records, for the sole purpose of fatiguing them into compliance with his measures.

He has dissolved Representative Houses repeatedly, for opposing with manly firmness his invasions on the rights of the people.

He has refused for a long time, after such dissolutions, to cause others to be elected; whereby the Legislative powers, incapable of Annihilation, have returned to the People at large for their exercise; the State remaining in the mean time exposed to all the dangers of invasion from without, and convulsions within.

He has endeavoured to prevent the population of these States; for that purpose obstructing the Laws for Naturalization of Foreigners; refusing to pass others to encourage their migrations hither, and raising the conditions of new Appropriations of Lands.

He has obstructed the Administration of Justice, by refusing his Assent to Laws for establishing Judiciary powers.

He has made Judges dependent on his Will alone, for the tenure of their offices, and the amount and payment of their salaries.

He has erected a multitude of New Offices, and sent hither swarms of Officers to harrass our people, and eat out their substance.

He has kept among us, in times of peace, Standing Armies without the Consent of our legislatures.

He has affected to render the Military independent of and superior to the Civil power.

He has combined with others to subject us to a jurisdiction foreign to our constitution, and unacknowledged by our laws; giving his Assent to their Acts of pretended Legislation:

For Quartering large bodies of armed troops among us:

For protecting them, by a mock Trial, from punishment for any Murders which they should commit on the Inhabitants of these States:

For cutting off our Trade with all parts of the world:

For imposing Taxes on us without our Consent:

For depriving us in many cases, of the benefits of Trial by Jury:

For transporting us beyond Seas to be tried for pretended offences

For abolishing the free System of English Laws in a neighbouring Province, establishing therein an Arbitrary government, and enlarging its Boundaries so as to render it at once an example and fit instrument for introducing the same absolute rule into these Colonies:

For taking away our Charters, abolishing our most valuable Laws, and altering fundamentally the Forms of our Governments:

For suspending our own Legislatures, and declaring themselves invested with power to legislate for us in all cases whatsoever.

He has abdicated Government here, by declaring us out of his Protection and waging War against us.

He has plundered our seas, ravaged our Coasts, burnt our towns, and destroyed the lives of our people.

He is at this time transporting large Armies of foreign Mercenaries to compleat the works of death, desolation and tyranny, already begun with circumstances of Cruelty & perfidy scarcely paralleled in the most barbarous ages, and totally unworthy the Head of a civilized nation.

He has constrained our fellow Citizens taken Captive on the high Seas to bear Arms against their Country, to become the executioners of their friends and Brethren, or to fall themselves by their Hands.

He has excited domestic insurrections amongst us, and has endeavoured to bring on the inhabitants of our frontiers, the merciless Indian Savages, whose known rule of warfare, is an undistinguished destruction of all ages, sexes and conditions.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A Prince whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a free people.

Nor have We been wanting in attentions to our Brittish brethren. We have warned them from time to time of attempts by their legislature to extend an unwarrantable jurisdiction over us. We have reminded them of the circumstances of our emigration and settlement here. We have appealed to their native justice and magnanimity, and we have conjured them by the ties of our common kindred to disavow these usurpations, which, would inevitably interrupt our connections and correspondence. They too have been deaf to the voice of justice and of consanguinity. We must, therefore, acquiesce in the necessity, which denounces our Separation, and hold them, as we hold the rest of mankind, Enemies in War, in Peace Friends.

We, therefore, the Representatives of the united States of America, in General Congress, Assembled, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name, and by Authority of the good People of these Colonies, solemnly publish and declare, That these United Colonies are, and of Right ought to be Free and Independent States; that they are Absolved from all Allegiance to the British Crown, and that all political connection between them and the State of Great Britain, is and ought to be totally dissolved; and that as Free and Independent States, they have full Power to levy War, conclude Peace, contract Alliances, establish Commerce, and to do all other Acts and Things which Independent States may of right do. And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.


The 56 signatures on the Declaration appear in the positions indicated:

Column 1
Georgia:
Button Gwinnett
Lyman Hall
George Walton

Column 2
North Carolina:
William Hooper
Joseph Hewes
John Penn
South Carolina:
Edward Rutledge
Thomas Heyward, Jr.
Thomas Lynch, Jr.
Arthur Middleton

Column 3
Massachusetts:
John Hancock
Maryland:
Samuel Chase
William Paca
Thomas Stone
Charles Carroll of Carrollton
Virginia:
George Wythe
Richard Henry Lee
Thomas Jefferson
Benjamin Harrison
Thomas Nelson, Jr.
Francis Lightfoot Lee
Carter Braxton

Column 4
Pennsylvania:
Robert Morris
Benjamin Rush
Benjamin Franklin
John Morton
George Clymer
James Smith
George Taylor
James Wilson
George Ross
Delaware:
Caesar Rodney
George Read
Thomas McKean

Column 5
New York:
William Floyd
Philip Livingston
Francis Lewis
Lewis Morris
New Jersey:
Richard Stockton
John Witherspoon
Francis Hopkinson
John Hart
Abraham Clark

Column 6
New Hampshire:
Josiah Bartlett
William Whipple
Massachusetts:
Samuel Adams
John Adams
Robert Treat Paine
Elbridge Gerry
Rhode Island:
Stephen Hopkins
William Ellery
Connecticut:
Roger Sherman
Samuel Huntington
William Williams
Oliver Wolcott
New Hampshire:
Matthew Thornton

Thoughts and Prayers Are Not Enough | Influence Magazine


Note: The following column will appear in the March/April 2018 issue of Influence magazine. I wrote it prior to yesterday’s deadly shooting at Marjorie Stoneman Douglas High School in Parkland, Florida. Its purpose is to encourage local congregations to respond holistically to people’s needs when tragedy strikes their community.

*****

The deadliest mass shooting in the United States took place the night of October 1, 2017, when a gunman opened fire on concertgoers at the Route 91 Harvest music festival in Las Vegas, Nevada, leaving 58 dead and 851 injured. In the aftermath of that shooting, people across America took to social media to offer “thoughts and prayers” for the victims. Their sentiment was heartfelt, but was it enough?

According to the Bible, the answer is no.

James 2:15–16 says, “Suppose a brother or a sister is without clothes and daily food. If one of you says to them, ‘Go in peace; keep warm and well fed,’ but does nothing about their physical needs, what good is it?”

No good at all.

Similarly, 1 John 3:17 says, “If anyone has material possessions and sees a brother or sister in need but has no pity on them, how can the love of God be in that person?”

It can’t be. So, John exhorts us, “Dear children, let us not love with words or speech but with actions and in truth” (verse 18).

Words are insufficient responses to a tragedy, crisis or need unless we pair them with deeds.

By the same token, however, deeds also are insufficient responses to a tragedy if we fail to pair them with words and prayers.

Why? Because we have minds as well as bodies. We need to know that our lives have meaning, that our pain has a purpose. According to the apostle Paul, being at “peace with God through our Lord Jesus Christ” enables us to make sense of our suffering. We can “glory in our sufferings, because we know that suffering produces perseverance; perseverance, character; and character, hope” (Romans 5:1,3–4).

Consequently, an authentic Christian response to tragedy combines deeds and words, action and prayer, help and hope. It’s a both/and effort, not an either/or choice.

Let me close by suggesting three concrete needs victims have that your church should provide if — God forbid! — tragedy strikes your community.

First, victims need shelter, a safe place where their immediate physical and material needs are met. Providing shelter is a Matthew 25:34–36 ministry to the hungry, thirsty, homeless, naked, sick and imprisoned.

Second, victims need shoulders to cry on, a community that affirms their emotional response to loss. Responding with empathy is a Romans 12:15 ministry: “Rejoice with those who rejoice,” Paul teaches us; “mourn with those who mourn” (emphasis added).

Third, victims need shepherds. Helping people find meaning in their suffering is a Psalm 23:2 ministry. It leads them to the “green pastures” and “quiet waters” of faith in God.

When tragedy hits, people’s immediate needs are for shelter and shoulders. Over the long term, though, as they mentally and emotionally process their experience, they increasingly need shepherds. Your church will do a great service to the community if it’s prepared to respond to people’s needs holistically in times of tragedy.

 

Abraham Lincoln’s Thanksgiving Proclamation


The year that is drawing towards its close, has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature, that they cannot fail to penetrate and soften even the heart which is habitually insensible to the ever watchful providence of Almighty God. In the midst of a civil war of unequalled magnitude and severity, which has sometimes seemed to foreign States to invite and to provoke their aggression, peace has been preserved with all nations, order has been maintained, the laws have been respected and obeyed, and harmony has prevailed everywhere except in the theatre of military conflict; while that theatre has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defence, have not arrested the plough, the shuttle, or the ship; the axe had enlarged the borders of our settlements, and the mines, as well of iron and coal as of the precious metals, have yielded even more abundantly than heretofore. Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege and the battle-field; and the country, rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years, with large increase of freedom.

No human counsel hath devised nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God, who, while dealing with us in anger for our sins, hath nevertheless remembered mercy.

It has seemed to me fit and proper that they should be solemnly, reverently and gratefully acknowledged as with one heart and voice by the whole American people. I do therefore invite my fellow citizens in every part of the United States, and also those who are at sea and those who are sojourning in foreign lands, to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens. And I recommend to them that while offering up the ascriptions justly due to Him for such singular deliverances and blessings, they do also, with humble penitence for our national perverseness and disobedience, commend to his tender care all those who have become widows, orphans, mourners or sufferers in the lamentable civil strife in which we are unavoidably engaged, and fervently implore the interposition of the Almighty Hand to heal the wounds of the nation and to restore it as soon as may be consistent with the Divine purposes to the full enjoyment of peace, harmony, tranquillity and Union.

In testimony whereof, I have hereunto set my hand, and caused the seal of the United States to be affixed.

Done at the city of Washington, this third day of October, in the year of our Lord one thousand eight hundred and sixty-three, and of the independence of the United States the eighty-eighth.

A. Lincoln

Video of ‘Debating Religious Liberty and Discrimination’ at The Heritage Foundation


American public discourse, especially about controversial issues, is often conducted at a very low level. More heat than light, one might say. In this video from The Heritage Foundation, John Corvino, Sherif Girgis, and Ryan Anderson show how to have an informative, civil, and pointed debate about the legal conflict between religious liberty protections and LGBT nondiscrimination laws.

A Righteous Man | Influence Magazine


Over at InfluenceMagazine.com, I offer some thoughts about Joseph, adoptive father of Jesus, as a model for Christian fathers today. I’m reposting the article here with permission.

#####

One of my favorite memories growing up was playing basketball with my dad. He’d get home from work, and we’d head to the nearby park to shoot hoops. When I was little, he’d let me win the game, but as I got older, the games became more truly competitive.

I still remember the first time I beat my dad for real. I felt great, and he celebrated my win. Only now, as a father myself, can I understand how genuinely proud he must’ve felt that his boy was growing up.

This Father’s Day, many will celebrate their dads with affection. I certainly will. Some who have lost their dads will shed a tear because they miss him. Others, however, didn’t have good relationships with their dads, so they will honor them begrudgingly, if they do so at all.

America’s Crisis of Fatherlessness
Fathers make a difference in the lives of their children, whether they are present or absent. Present fathers help their children flourish. Absent fathers leave a hole in their children’s hearts that they can spend a lifetime trying to fill.

For several decades now, America has experienced a crisis of absent dads. Statistics collected by the National Fatherhood Initiative reveal the problems that result. According to the U.S. Census Bureau, over 24 million children — 1 in 3 — live without a biological father in the home. Children in father-absent homes experience a greater risk for these ills:

  • Abuse
  • Behavioral problems
  • Criminal behavior
  • Dropping out of high school
  • Incarceration
  • Poverty
  • Substance abuse
  • Teen pregnancy

Children are resilient, of course, and single moms do heroic work. But God designed families to have moms and dads. Together, they create a home environment where children can thrive.

Joseph as a Model Father
Fatherhood needs to be about more than mere presence in the home, however. Dads need to be actively engaged with their sons and daughters. As the father of one boy and two girls, I am drawn increasingly to the Bible’s portrait of Joseph — husband of Mary, adoptive father of Jesus — as a picture of the kind of father I myself want to be.

The Gospels say little about Joseph. Only Matthew and Luke describe him at any length. He seems to have died by the time Jesus began His public ministry. What they do say about Joseph, however, is enlightening. Matthew 1:19 describes him succinctly as a righteous man, my translation of the Greek word dikaios. The parallel Hebrew term for dikaios is tzadik, which Jews in Jesus’ day reserved to describe someone who was especially close to God.

I hope to be a righteous man who does the right thing kindly and who remains always open to God, assuming whatever responsibilities He sends my way.

What did Joseph’s righteousness look like? Notice four things.

First, as a righteous man, Joseph did the right thing. Matthew says that Joseph and Mary were engaged and chaste (1:18). However, Mary became pregnant. Knowing that he wasn’t the father, Joseph resolved to divorce her. (For Jews of that period, an engagement was as binding a covenant as marriage, which was why divorce was Joseph’s only legal recourse.) He couldn’t condone her perceived adultery, and her son was some other man’s responsibility.

Righteousness is more than doing the right thing, however. In Jesus’ day, the word “righteousness” — dikaiosoune in Greek, tzedekah in Hebrew — was the word used to describe charity. For example, when Jesus said, “Be careful not to practice your righteousness in front of others to be seen by them,” He was talking about giving to “the needy” (Matthew 6:1–2). If you go to Israel even to this day, a beggar requesting tzedekah is asking for charity.

When we understand that righteousness is charity, we understand why Matthew says Joseph resolved to divorce Mary “quietly.” As a charitable man, he “did not want to expose her to public disgrace” (1:19). For him, righteousness meant doing the kind thing.

I cannot help but wonder whether Joseph’s quiet resolution about Mary — whom he no doubt thought had been sexually immoral — shaped Jesus’ own compassion for sexually immoral women. Consider these three examples:

  • Jesus revealed himself privately as the Messiah to the Samaritan woman at the well, who was cohabiting with a sixth man after five failed marriages (John 4:1–26).
  • When Jesus’ religious opponents caught a woman in the act of adultery, He sent her accusers away before He told her privately to sin no more (John 7:53 through 8:11).
  • At a dinner in Simon the Pharisee’s house, a sinful woman — perhaps a prostitute — anointed Jesus’ feet. When Simon mumbled about the impropriety of this, Jesus publicly praised the woman’s devotion, favorably contrasting it with Simon’s own inhospitality (Luke 7:36–50).

Contrary to Joseph’s perception of the circumstances, however, Mary had not in fact been sexually immoral. The Gospels emphasize that she was a virgin when the Holy Spirit conceived Jesus in her womb (Matthew 1:18, 22–23; Luke 1:27; cf. Isaiah 7:14). Joseph didn’t know that; however, “an angel of the Lord appeared to him in a dream” and set him straight, saying, “what is conceived in her is from the Holy Spirit” (Matthew 1:20).

This reveals a third dimension of Joseph’s righteousness: openness to God. A tzadik, as I said above, was someone especially close to God. This certainly describes Joseph, to whom God revealed himself even in Joseph’s dreams. According to Matthew 2:13, an angel of the Lord appeared to Joseph a second time, urging him to “take the child and his mother and escape to Egypt … for Herod is going to search for the child to kill him.”

Joseph’s openness to God in his dreams was the result, it seems to me, of his openness to God in the details of his life. Luke shows us what both Joseph and Mary’s mundane righteousness looked like. They circumcised Jesus on the eighth day and then performed “purification rites,” both required by “the Law of Moses” (Luke 2:21–22; cf. Leviticus 12:2–8). Similarly, they participated annually in the Passover Festival in Jerusalem (Luke 2:41; cf. Deuteronomy 16:1–8). They were people who, as Luke puts it, did “everything required by the Law of the Lord” (2:39).

The last time we see Joseph alive in the Gospels, it was Passover, Jesus was 12 years old, and the family was at the Temple. The boy Jesus engaged in a discussion with religious teachers. Perhaps it was His bar mitzvah. “Everyone who heard him was amazed at his understanding and his answers” (Luke 2:47). Preachers often attribute Jesus’ wisdom at this young age to Jesus’ divinity, and that no doubt played a part. But I can’t help but wonder whether Joseph’s openness to God — and Mary’s too, of course — played the greater role at this stage. Luke says, “Jesus grew in wisdom and stature, and in favor with God and man” (2:52). Thankfully, God had provided Him a good dad (and mom) in the growing years.

And this reminds us of one more thing about Joseph’s righteousness: it involved the assumption of responsibility. Joseph had nothing to do with Jesus’ conception, but he assumed responsibility for Jesus’ life nonetheless. He adopted Jesus into his family, and in doing so, conferred a heritage as heir of King David (Matthew 1:16–17).

This aspect of Joseph’s fatherhood has struck me with particular force over the last four years, in the course of which my wife, Tiffany, and I first fostered and then adopted two little girls. (We have a biological son as well.) I am not my girls’ dad, in a biological sense, but I am my girls’ in every other sense. When they think of their dad, it’s my face they see.

So, happy Father’s Day! And father well!

To me has fallen the awesome responsibility — and privilege — of not only housing, feeding and educating these girls, but also loving, disciplining and preparing them for adulthood. Someday, I’ll walk them down the aisle at their weddings, and their children — though not related to me biologically at all — will be my grandchildren. They are, together with my wife and son, my forever family.

I know what kind of thoughts Joseph must have asked himself when that angel of the Lord set him straight in a dream. I’ve asked them myself. But I hope that, like Joseph, I too will father all my children in such a way that they grow in wisdom and stature and in favor with God and man.

Father Well
In other words, I hope to be a righteous man who does the right thing kindly and who remains always open to God, assuming whatever responsibilities He sends my way. My children need me to be that man. And, men — whether you’re fathers or not — our nation needs you to be a righteous man as well.

So, happy Father’s Day! And father well!

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