May 23, 2013

Savannah Smiling

Savannah Smiling

Below is a “Must read” article by Bryan Llenas, Published May 17, 2013 for Fox News Latino:

“Ricardo Cerezo, the 44-year-old head of household, quit his job in management consulting in 2010 to take care of his daughter, Savannah, who had to stay home with severe bipolar disorder. A professional in helping companies in distress, he painstakingly took her to and from medical appointments and trips to the hospital.  Their house has been in foreclosure since February and they were months away from eviction.  Their cars were repossessed.  Their jewelry gone, sold to the highest bidder.

“Even still, 14-year-old Savannah died last August. Brain-dead, her parents pulled her off life support after suffering four-and-a-half hours of seizures.  One of Savannah’s last gifts to her parents was a glass cookie jar. And one of her last requests, seeing their financial struggles, was urging them to never stop playing the lottery.

“‘Savannah was the only one that encouraged us to play,’ Mr. Cerezo told Fox News Latino.  ‘Everyone at home thought it was a waste of time given that we needed every penny.’

“The father played when he could and saved old lottery tickets, they never won anything.  This week, nine months after Savannah’s death, Ricardo and his wife, Bonnie, were doing some kitchen cleaning and she asked him to finally do something about the three months’ worth of old tickets filling up the jar.  So instead of throwing them out, he decided to actually check if one of the tickets had winning numbers.

“Ricardo took the 11 tickets stashed in the cookie jar to the 7-Eleven where he had bought them. The first eight out of the nine tickets came up empty. The next ticket was a winner…$3. But the last ticket, a Quick Pix, alerted Cerezo that he needed to file a claim, which means the ticket was worth $600 or more.  As it turns out, it was worth nearly $5 million. It’ll be spread out in annual payments of $100,000 for 26 years and paid on each February, coincidentally Savannah’s birthday month.

“‘She kept insisting that somehow she was going to pay us back,’ he said. ‘She kept her promise.’

“Now they’ll be able to keep their home and they have not touched Savannah’s room, except for adding an urn with her ashes.  It was in that very room where Ricardo cried for losing his daughter and where he prayed that life would get better for his family.  ‘Dear lord, please just don’t take away this room,’ he said he prayed. ‘We had lost everything we had. The room was the last thing we had of her existence.  Little did we know the answer was downstairs the whole time, in a nondescript glass cookie jar filled with old papers,’ Ricardo said.

“They pledged to contribute to their church, where they sought consolation while grieving Savannah’s death, and other charities. They will also look to fund organizations, or start an organization of their own, that will conduct research into mental health, given their daughter’s deadly bout with bipolar disorder.  ‘Every now and then we can find the joy in the win itself,’ Ricardo said. ‘We are very happy that we have some financial peace. But there is no real jumping for joy.’”

Feel Good Friday: A “Ray” of Hope

A Ray of Hope

Sarah Darling of Kansas City, Mo. is someone who understands the value of helping others in need.  While she was walking by a man who some would consider to be “down on his luck”, she dropped a donation into the homeless man’s cup.   However, the next day she realized she had donated a little more than intended when she looked down at her hand and noticed her engagement ring was missing. She immediately returned to the homeless man’s usual spot, where he was there waiting…with her ring.

Ray Harris, 55, didn’t notice Darling had accidentally dropped her engagement ring in with the change until he packed up for the day.  Harris thought the diamond and platinum ring was a fake. Then he had it appraised.  When the jeweler offered Harris $4,000.00 on the spot, he thought about taking the money until he realized his grandfather raised him to be honest. 

Harris said, “I am not trying to say that I am no saint, but I am no devil either.”  Mr. Harris may not consider himself a “saint”, but I bet there was a period of time when Ms. Darling saw him as her “Ray” of hope. 

Enjoy Your Weekend :)  

http://todaynews.today.com/_news/2013/02/17/16994285-homeless-man-on-returning-engagement-ring-i-was-raised-to-be-honest?lite

 

Role Reversal

People Helping People

I think most of us agree upon the role a church plays after a crisis or disaster.  It usually places the needs of others before itself while rendering aid and restoring a sense of normalcy back into a community.  The Holy Bible is riddled with scripture asking, recommending, and commanding us as “The Church” to feed the poor, the widowed, the orphaned…so naturally after Hurricane Sandy devastated the East coast of the United States, the churches began responding.  With one exception, the many churches who themselves suffered structural damage or were destroyed.

However, good news soon arrived from FEMA.  Grant money for restoration was going to be available to those who qualified for the Federal Disaster Assistance grant program except churches.  When Rev. Alex K. Joy of the “St. George Malankara Orthodox Church of India in Staten Island” applied for the FEMA grant to repair approximately $150,000 in structural damage to his building, he received a clear answer, “No”.  Rev. Joy went on to say, “FEMA said that they considered the church a business, so they offered us a (low interest) loan, but we don’t want a loan. We have 400 members, 90 families. In this situation, we need some assistance.”

It turns out, a broad range of private nonprofit organizations qualify for federal disaster assistance grants such as zoos, museums, performing arts centers, and libraries just not “Houses of worship”.  The news is not all bad though.  If a church had social programs like homeless shelters, preschools, or feeding programs, then they would qualify to replace those programs but not the church structure.  The problem is they need a building to conduct these social services.

Looks like it may be time for a role reversal.  Looks like the communities are going to need to step up and help the churches.  People helping people…I think Jesus would approve.

http://mobile.nytimes.com/article?a=1012548

 

 

 

 

Fiscal Cliff for Dummies

The Fiscal Cliff for Dummies

Years ago the “Dummies” book titles began showing up on shelves worldwide.  These books are intended to take a complicated matter and make it understandable for anyone with an interest in a given subject matter. (I.e. “Pinterest for Dummies”, “Fitness for Dummies”…).  Today’s blog is inspired by my own lack of understanding the so-called ‘’Fiscal Cliff”. So I have done some research and will now attempt to sum up the ‘’Fiscal Cliff”.

On January 1st, the Budget Control Act of 2011 (which was voted into place by the federal government) was scheduled to go into effect.  It meant we would have been hit with substantial tax increases and not just the wealthy.  In addition, we would have a debt ceiling that we can no longer exceed as a country which (according to Barron’s) would have led to immediate deep automatic cuts in over 1,000 government programs, including the defense budget and Medicare.  Here were the three main choices our law-makers were faced with:

  • They could have let the current policy scheduled for the beginning of 2013 – which features a number of tax increases and spending cuts that are expected to weigh heavily on growth and possibly drive the economy back into a recession – go into effect. The plus side: the deficit, as a percentage of GDP, would be cut in half.
  • They could have cancelled some or all of the scheduled tax increases and spending cuts, which would add to the deficit and increase the odds that the United States could face a crisis similar to that which is occurring in Europe. The flip side of this, of course, is that the United States’ debt will continue to grow.
  • They opted to take a middle course, which appears to be an approach that will address the budget issues to a limited extent and will have a more modest impact on growth.

The bill that was passed last night will eliminate the tax increases for families making under $450,000, while letting rates rise for those making above that threshold. It would also extend unemployment insurance for another year, while patching up a host of other expiring provisions and delaying automatic spending cuts for two months. Those cuts, which would hit defense heavily, will instead be offset with a blend of tax increases and other spending cuts.  However, we will still see a 2-point increase this month in Social Security taxes, as Congress did not opt to extend the payroll tax holiday.

In their search for the answer, I hope Congress considered what the Bible has to say about finances.  There is no lack of scripture on this subject matter.  In fact, the Bible speaks about money more than the word “salvation” which should be a pretty strong indicator that keeping our priorities straight can be a bit of a problem.  Congress may be struggling with our nation’s budgetary issues but allow me to humbly leave you with this scripture for your own finances:

“The rich rules over the poor, and the borrower become the lender’s slave.” (Proverbs 22:7)

http://www.foxnews.com/politics/2013/01/01/house-approves-fiscal-crisis-bill/

 

Ashley Beckford: Go With The Flow

Hello…I’m Ashley Beckford.  This past October, I got the amazing opportunity to go on a mission’s trip to Africa; specifically to Zimbabwe and South Africa to lead worship for women’s conferences. I absolutely loved my small team of seven, and surprisingly, we all got along so well. You would think that seven women, moving and breathing and living together for three weeks would be a disaster… cat fights and all. But despite our very different personalities, we developed a love for each other.

It was so apparent that each person on the team was divinely appointed. While I led worship for the events, the other ladies gave their testimony or shared God’s word through a message. Every event was different, and every audience was unique. We went from doing a conference under a grass hut in the middle of nowhere to a nice church with sound, lighting, and video. We went from having our messages translated to not needing translation; poverty to riches; lively and charismatic worship to conservative and inward worship. The list goes on. The diversity in our events was a blessing and a challenge. It was wonderful to experience so many different cultures and ways of life, but challenging because we were never quite acclimated to one place. We had to “read” the crowd in a moment, and our theme became “go with the flow”.

Our conferences and events focused on the topic of brokenness. It was really intriguing to experience the brokenness in Africa. Not only was there an abundance of it, but their brokenness was very similar to the brokenness in America. The ladies we ministered to were going through the same issues we go through… relationship and marriage issues, money and job issues, health and infertility issues, etc.  I discovered brokenness is universal.

Despite our initial fear of American women not relating to the women of Africa, every song, testimony, and personal hardship fit right into their world. We visited many broken and hopeless places, but surprisingly the people were so joyful. In fact, I have never experienced people so full of joy like I did in Africa. It really challenged me and forced me to ask some hard questions. Why don’t I have joy like they do? How can they be so happy when they live under such impoverished conditions?

After much processing, I realized that their lack of distractions and material things made it easier to keep their eyes on their true joy: JESUS. Jesus was all they had. Jesus was the one they looked forward to. Jesus was the beginning and end of their day. Jesus was all they needed and Jesus was the source of their joy. I was so inspired by this joy and have since been challenged to fix my eyes on Jesus despite all of the distractions and material things we have here in America.  The Africans looked at us as rich Americans, but they were the rich ones.

It was such a blessing to go on this trip.  Despite the actual effort it took to get there (raising money and many hours of travel), I would do it again in a heartbeat. I am so thankful for what I learned and I will never forget the people and experiences. I went there to bless others, but ultimately, I am the one that was blessed. My eyes are much wider and my heart much bigger.

Thank you Ashley!  Please check out Ashley’s blog at ashleybeckford.wordpress.com

 

Contemplate, Deliberate, and Meditate: Part 3

“Nothing is so strong as gentleness, nothing so gentle as real strength.” – St. Francis de Sales

“Let your gentleness be evident to all.  The Lord is near.” – Philippians 4:5

 Actions Speak Louder Than Words

“The parents were devastated. Their young adopted daughter had died in an unusual accident. She suffocated when the drawstring on the hood of her jacket became caught in a playground slide. It was later learned their child was not the first to die this way. Design flaws in both the hood and the slide made this an accident waiting to happen.

“Some people might have viewed this tragedy as an opportunity to sue the two major corporations for a lucrative settlement. The parents, however, refused. In an interview, the mother said she would have seen any remuneration as ‘blood money.’ She and her husband believed the leaders of the two companies never intended to harm her child or any other child. Instead of a lawsuit, the parents appealed to the clothing and slide manufacturers to correct the design flaws which had led to the death of their daughter. Both companies took immediate action. Today the parents are leaders in a campaign to promote child safety, and the companies involved have contributed substantially toward their cause.”

http://chaplaincare.navy.mil/Devotions/devotions_051.htm

 

How To Spend $1.6 Million

Ever wonder how to spend $1.6 million?  Phillip Chiyangwa, a property tycoon, answered that question.  He recently donated that exact amount of money at a fundraiser for the University of Zimbabwe (UZ).  Even though Mr. Chiyangwa had two daughters graduate from this university, that was not the main reason behind such a substantial donation.

When asked why he donated the money, he said, “ The money will be used for the construction of a chapel which is one of nearly a dozen capital projects identified for funding by the university authorities.  There is currently no church at the UZ. Where there is no God, there is a problem.  Over the years, there have been too many riots and injuries…there must be some peace.”

Mr. Chiyangwa will not have to look very far, come October, to find a small group of women from the United States who I believe would agree with his ideology on this matter.  Would you like to find out more about this brave bunch of believers who will be leaving their families behind this summer to serve and meet the needs of the women of Zimbabwe?  I know I would.  That is why I have asked the team leader, Shanda Oakley to be my guest blogger this Friday.  Visit my website on May 4th to live vicariously through these dedicated followers of Jesus Christ, as Shanda weaves the story of her childhood and the teams planned servant-hood in a foreign land.

Paying The Bills

I think I speak for most Americans when I say bill paying has to be near the top of our “What we hate to do” list.  The others on the list would probably vary, but I’m guessing most of us would round out our top three with cleaning toilets and doing taxes.

My wife, as wise as she is, knows I hate paying bills. In fact, when we moved into our home 15 years ago, she would not let me set up my office in our bedroom.  She said the bedroom should be a place of sanctuary and not discontent.  How could I argue with such a sound observation?  However, her comment did make me realize I needed to set up my office with a pleasant and happy atmosphere.  If nothing else, it would help dull the pain while I write and click my accounts into oblivion on a monthly basis.

As a result, my office was painted sky blue with a mural of a wave on one wall and a couple palm trees on the other.  I chose a room on the second floor with a window view of the mountains nestled majestically behind us.  When the time comes for me to pay bills, I put in a favorite CD, sit behind the skyscraper pile of bills on my desk, and give my money away while I listen to Jack Johnson play his guitar underneath a coconut tree somewhere in the tropics…and you wonder how I wrote a book.

Pumpkin Pie

Photo by Aaron Woehler

After church last night my wife and I decided to get a bite to eat at a restaurant that is famous for their freshly baked pies.  When we arrived at the door, the first thing to greet us was the perfect picture of a pumpkin pie with steam wafting out of the pie crust crevasses beckoning us to enjoy this slice of heaven. What is it about pumpkin pie that just screams out, “The holidays are here”!  Now that scream can be a jubilant, “I’m glad the holidays are here” scream or it can be the sound of disdain which indicates, “I am so-not looking forward to the holidays”. 

I realize there can be a myriad of issues that could cause the holidays to be a time of sorrow and/or grief.  But allow me to offer this, if the holidays have you down because it means you have to spend money, I understand, I used to be that way as well.  I did not like being that way because it took the true joy out of Thanksgiving and Christmas.  So I decided to do something about it.  I decided to develop a budget.  Twice a month for eleven months I put away money into a savings account for one reason…spend the money on others during the holidays.  By doing this I accomplished three things:

  1. Because I am putting a little away each month it does not seem to hurt my tight-wad style of money management.
  2. By the 11th month, I have plenty of money to spend on others and it does not effect my day to day family operations.
  3. It brought back the joy of the holidays because I am no longer worried what the credit card bill is going to look like come January.

Now for those of you who are thinking, “Cool, Rick Mayhew is giving away money over the holidays.”  Wrong.  I don’t have that kind of money, that’s why we are on a budget.  However, I would like to offer this bit of financial advice.  Set aside enough money to enjoy a piece of pumpkin pie…like it or not…the holidays are here and pumpkin pie is great comfort food :)