A British Winter’s Night concert will be an evening of lively traditional British tunes and ballads. From the popular Vaughan Williams English Folk Song Suite, to the rousing tunes of the Irish Washerwoman and Country Gardens, this evening is sure to delight! This concert will also feature our newly formed Andrews Brass, an ensemble of student musicians. The Andrews University Wind Symphony, under the direction of Denisse Santos-Gooden will take the stage at the Howard Performing Arts Center on January 31, 2026 at 7:30 PM. This is a change from the original time of 8:00 PM. Due to unforeseen circumstances, the SMC Brass Band will not be able to join us this year. We hope you choose to start off your new year with toe-tapping tunes and swaying sweet melodies! Tickets are available at howard.andrews.edu.
How to Survive the Coming Economic Crisis
He Is Risen–Breaking the Chains of Financial Bondage
Speaker
Dwight K. NelsonDwight Nelson served as lead pastor of the Pioneer Memorial Church on the campus of Andrews University from 1983 to 2023. During his time at Pioneer he spoke on the “New Perceptions” telecast, taught at the theological seminary and has written books, including The Chosen. He and his wife, Karen, are blessed with two married children and 2 granddaughters.
Offering
More In This Series
"How to Survive the Coming Economic Crisis:
He Is Risen—Breaking the Chains of Financial Bondage"
www.newperceptions.tv
» The Story
• Luke 24:1-8
» The Stats
• At the end of last year million Americans had a credit card(s).
• The average credit-card debt per borrower is $—up about 7.5 percent from 2015.
• If you paid only the minimum payments on a $5000 credit card debt, you would be in debt for more than years and end up paying $ in interest based on national averages.
• According to a NerdWallet study, the average American household has more than $ in credit card debt.
• Millennials (18-34) carry around $ in debt (student loans, credit cards, mortgages).
• Total student debt now exceeds $ .
• Thus % of Americans live from paycheck to paycheck.
• More than have less than $1000 reserved for emergency purposes.
• According to USA Today some million Americans—or 16% of the adults—think they will miss at least one credit card due date in 2019.
• www.usatoday.com/story/money/2019/02/27/student-loan-debt-4-things-keep-...) (www.usatoday.com/story/money/personalfinance/2019/03/12/national-debt-ri...) (www.investopedia.com/investing/early-warning-signs-next-financial-crisis/)
» The Scripture
• "'The Son of Man must be delivered over to the hands of , be crucified and on the third day be raised again.'" (Luke 24:8)
• Isaiah 53:6—"And the LORD has laid on Him the of us all."
• 2 Corinthians 5:21—"God made Him who had no sin to be for us, so that in Him we might become the righteousness of God."
• He died a Debtor, so that we might live free.
• 2 Corinthians 8:9—"For you know the grace of our Lord Jesus Christ, that though He was , yet for your sake He became , so that you through His poverty might become ."
» The Steps
• Jesus: "Seek the Kingdom of God and His righteousness, and all these things will be added to you." (Matthew 6:33)
• #1—Perform what Dave Ramsey calls a " ."
• www.thriventcu.com offers this practical counsel: (1) Do not use debt (credit cards) to buy short-term consumer goods, such as clothing, entertainment or electronics; (2) avoid debt over items with a short life span and little resale value; and (3) avoid debt which comes with a very high interest rate.
• Dave Ramsey: "There is NO positive side to credit card use. You will spend more if you use credit cards instead of cash. If you 'have to' use plastic, I suggest a debit card. I use them for travel and the occasional convenience of ordering something over the Internet or phone. Other than that, I use ." (www.daveramsey.com)
• #2—Always pay more than the .
• #3—Pay off your credit cards beginning with the lowest in order to experience success as soon as possible.
• #4—Reduce the rate.
• #5—Beware of debt settlement companies.
• #6— to somebody.
• James Scurlock: "Maybe it’s because of what Dave Ramsey calls the intense that everybody feels about debt—the false certainty that everyone else has got it together. Or maybe it's what Bob, the Debtors Anonymous member I interviewed, told me: debt is simply not a socially acceptable topic; one can talk about one's sex life or even one's drug addiction as though it were fashionable, but owning up to one's financial troubles means being ostracized from the world of polite conversation." (Maxed Out 123)
• National Foundation for Credit Counseling (800-388-2227)
• #7—When you make God . . . He will make it .
• Malachi 3:10-12
Make God First
We would like to extend our heartfelt thanks to everyone who made Angel Tree possible this Christmas. Because of your thoughtfulness and generosity, many of our students/student families experienced a warmer, more joyful holiday season. We extend a special thank you to the Lake Union for their generous support and partnership. We are deeply grateful for your continued giving and support of Belong Ministries and for walking alongside us throughout the academic year to serve and uplift our students at Andrews University.
Michigan Advance Partners
The Conference leadership is tasked with guiding the churches in proclaiming the gospel in their areas. They do this in at least four ways. First, they provide pastors and specialized personnel like Family Ministries. Second, they encourage conference-sponsored evangelism activities done through pastors and members. Third, the conference supports and supervises Adventist schools. Fourth, they collaborate with the local congregations to build churches, schools, and other facilities.
For much of this work, the Conference depends on the local church and its members for their financial contributions, as the tithe only covers the salaries of the pastors and other specialized conference ministries and personnel. To finance the remainder of these projects, most conferences collect an offering once per month. The name for this offering may vary in some conferences, but it is generally called Conference Advance. While each giver must decide for themselves how much to give, it is recommended that each of us give the equivalent of 1.2% of our income. When this offering is collected, the local treasurer will then forward it to the conference.
Thank you for your committed support to the conference initiatives through your giving and for not becoming “weary of doing good, for in due season we will reap, if we do not give up” (Gal. 6:2, 9, ESV).
May you receive the bountiful blessings of God today.
—North American Division Stewardship Ministries
God's Hands 4 Kids, a PMC Grow Group outreach to our community serving foster, adoptive, kinship and guardianship families partnering with Berrien County Department Of Health and Human Services. As a gift to the families served by them and as a gift to the community of ministry leaders and professionals, we will be providing Hope for the Journey, a video conference on Trust Based Relational Intervention - trauma, on Sunday afternoons in February here at PMC. It is produced by Show Hope. For more information and to register go to our website GH4K.org
Please join us for the next Master Guide Toolbox event at the Andrews University Seminary, February 6-7, 2026! Share with your friends, colleagues, students or in your newsletters! If you have any questions, please contact Cheryl Logan at cjhlogan@gmail.com. Spread the word!
Parent Circle is a new discipleship space where parents of kids ages 4–12 connect, study the Bible, and grow together while their children are in Sabbath School. The resource area features a lending library, as well as support for completing youth and children’s ministry certifications. Join us on any Sabbath, anytime from 10:30-11:30 AM.
A British Winter’s Night concert will be an evening of lively traditional British tunes and ballads. From the popular Vaughan Williams Sea Songs and English Folk Song Suite, to the rousing tunes of the Irish Washerwoman and Country Gardens, this evening is sure to delight! The Andrews University Wind Symphony, under the direction of Denisse Santos-Gooden, will once again collaborate with the Southwestern Michigan College Brass Band under the direction of Mark Hollandsworth. The two ensembles will take the stage at the Howard Performing Arts Center on January 31, 2026 at 8:00 PM. Start off your new year with toe-tapping tunes and swaying sweet melodies! Tickets are available at howard.andrews.edu.