Come worship with the AU Dept. of Music voice students for their annual voice vespers: "For Unto Us A Child Is Born". Focusing on songs celebrating the birth of Jesus.

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
Adventist Learning Community is producing a short series exploring Sabbath keeping and its impact on everyday life. We're looking for individuals to interview who joined the Adventist Church within the last 15 to 20 years and are comfortable on camera. If you're open to sharing your experience and how Sabbath has shaped your life, please contact Luke Bowers at lbowersweb@gmail.com, we'd love to hear from you!
Our Thanksgiving tradition continues, just a little earlier this year! We’ll be serving Thanksgiving dinner on Sunday, November 16 at 6 PM If you would like to contribute a dish, please let us know by texting the word "TOFURKY" to 269-281-2345 to select an item or two from the list!
Join us to pray for active missionaries and explore how to build bridges between Adventists and Muslims. We meet at 6:30 PM on the first and third Monday each month in the Leadership Lab of the Campus Center at Andrews University.

We’re looking for volunteers to serve in our Traffic Ministry, helping direct vehicles and assist members and guests as they arrive and leave. Your friendly presence helps ensure safety and creates a warm first impression for everyone coming to worship. If you’re interested or want to learn more, please contact Derill Legoh 732-379-1300.
Annual Sacrifice for Global Mission
In 1857 David Livingstone was invited to receive a tribute and speak to students at Cambridge University in England. He had left behind a prosperous life in Europe to devote himself to preaching the gospel on the African continent.
As he stood in front of the students, he uttered the following words, People talk of the sacrifice I have made in spending so much of my life in Africa. Can that be called a sacrifice which is simply paid back as a small part of a great debt owing to our God, which we can never repay?—Is that a sacrifice which brings its own blest reward in healthful activity, the consciousness of doing good, peace of mind, and a bright hope of a glorious destiny hereafter?—Away with the word in such a view, and with such a thought! . . . I never made a sacrifice. Of this we ought not to talk, when we remember the great sacrifice which HE made who left His Father’s throne on high to give Himself for us.
Today, we continue our tradition for every member of the Adventist church to give sacrificially so the General Conference can continue with the endeavor of Global Mission.
—North American Division Stewardship Ministries
Rachel Barton Pine, a renowned violinist, suffered a life-altering accident in 1995 when she was severely injured in a train accident, resulting in the loss of her left leg and significant damage to her right foot. Through resilience and determination Pine has overcome her challenges and has become an acclaimed American concert violinist whose infectious joy and passion transforms an audiences’ experience of classical music as they listen to her play. She has performed with the world’s foremost orchestras both locally and internationally and is a leading interpreter of the great classical masterworks. Please join us on November 23, 2025 at 7:00 PM at the Howard Performing Arts Center for a heart-warming concert by Rachel Barton Pine.

Starting Point video series with Andy Stanley: Everything has a beginning. Every person, every idea, every journey starts somewhere. Whether it's one small step in a new direction or a major event, from that point forward nothing is ever the same. It's not always comfortable. It's not always easy. But it's a start. This 8-part series ends December 6, 2025. Everyone is welcome. PMC Boardroom. 10:30-11:30 Sabbath mornings.
Join us on Sunday, November 16, 2025 at 4:00 PM for a violin concert at the Howard Performing Arts Center. Junqi Sophie Tang, Assistant Professor of Music at Western Michigan University and has previously served on the violin faculty of the University of Toledo School of Music, and was invited to serve on a distinguished panel of judges for the 2022 New York Laureate International Music Competition and 2021 Hong Kong International Violin Competition & Chamber Music Competition. She is the founder and artistic director of the Hantong International Summer Music Festival as well as the music director of the Cincinnati Music and Arts Society. She has been a First Prize winner in the 2021 Golden State International Music Competition, 2019 Hong Kong International Music Festival, and an excellence in performance award at the 2016 Schoenfeld International String Competition. This is a FREE concert.

Pizza & Parables, Where faith meets flavor! Every Wednesday from 6:30–7:30 PM, high school students are invited for pizza, Bible study, and friends. Come hungry for both food and the Word! Meet in the Pioneer Youth Chapel.


