Since 1983, Dwight Nelson has served as lead pastor of the Pioneer Memorial Church on the campus of Andrews University. He preaches on the “New Perceptions” telecast, teaches at the theological seminary and has written some books, including The Chosen. He and his wife, Karen, are blessed with two married children and 2 granddaughters.
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
Get your family ready for Christmas and its deeper meaning. Join our Healthy Families Sabbath School class 10:30 AM. Sabbath Morning in Room 141. We will be showing and discussing the DVD study series, The Christmas Experience.
December 4- Just the Right Time, December 11- Favored One, December 18-Faithful One, December 25-This is God's Plan?, January 1-Immanuel, January 8-Gold, Frankincense, Myrrh.
Thank-you to all who braved the weather on Sunday, November 14 to participate in the Village of Berrien Springs Shamrock Spruce-Up! 18 of the 24 volunteers who came out to show love on the move were part of the Pioneer team. Participants were out for around four hours, raking, blowing, and bagging leaves in yards all over Berrien Springs. It was a blessing for everyone involved!
Local Church Budget
And [Jesus] looked up and saw the rich putting their gifts into the treasury, and He saw also a certain poor widow putting in two mites. So He said, "Truly I say to you that this poor widow has put in more than all; for all these out of their abundance have put in offerings for God, but she out of her poverty put in all the livelihood that she had." Luke 21:1-4
Donny and Johnny were the youngest of 7 children. Their family wasn't blessed with an abundance of money, but there was more than enough love to go around.
One Christmas there was no money to buy presents, so each person in the family exchanged something they already had with someone else. Donny and Johnny were chosen to exchange gifts with each other. Neither boy had much, but Donny had a shiny, sliver flashlight that Johnny thought was pretty cool.
It was the only possession of real significance Donny had.
On Christmas morning when the gifts were exchanged, what do you suppose Donny had given to Johnny? That's right, it was his silver flashlight! Rather than just giving Johnny something that wasn't very valuable, he gave him the best that he had.
When we give our offerings to God let us remember that it isn’t the dollar amount that is of greatest importance. Rather, it is the sacrifice we make that renders our gift as valuable in Heaven’s sight. Today’s offering is for the Local Church Budget.
—PMC Stewardship Committee
Update: Andrews Academy will be presenting the 48th annual Feast of Lights program on Friday, December 10, 2021 at 7:00 PM. With the rise of COVID-19 cases our community and county, the 48th annual Feast of Lights program will be live streamed for our community. To provide enough physical distancing we are restricting the in-building audience to just a limited number of family members of participants. For many in our community the Feast of Lights is part of our cherished Christmas traditions, we are sorry that we have to make this last minute change. The community is invited to enjoy this spectacular night of music, Scripture, and drama, honoring the King of Kings. It will still be an evening of lights, bells, instruments, choral singing, congregational singing, shepherds, a Nativity scene, and the retelling of a glorious Christmas story. The program will speak to your hearts of His wondrous love.
You are also invited to an evening of popular Christmas music on Saturday, December 11, at 7:00 PM at the Howard Performing Arts Center on the campus of Andrews University. Join us as we bring in the holidays with a variety of well-known Christmas songs including a grand finale played by the combined musical groups.
On Sabbath December 11, during both services, we will have the opportunity once again to give and share with the children in our community. Please bring a new, unwrapped toy to share for ages newborn through 16. These will be given to the children in our community.
ASAP Ministries is looking for an effective communicator with good organizational skills and attention to detail, as well as marketing experience, including social media and proficiency in Microsoft Office Suite and Adobe InDesign/Photoshop.
Duties will include general office tasks coordinating RWND's day-to-day activities, promoting the RWND training course through social media and other communication channels, and following up to facilitate participants’ completion of the RWND training course.
If interested, please email your résumé, references, and cover letter to Pr. Robert Benjamin at robert.benjamin@asapministries.org. If you have any questions about this position, call Pr. Benjamin at 269-471-3026.
God's Hands 4 Kids is a ministry that grew out of a Grow Group and originated in 2013. It exists to support foster care, adoption, kinship placement and disadvantaged families serviced through Berrien County Department of Health and Human Services and other agencies. We provide a support group for foster, adoptive and kinship families. We also invite families who are interested in fostering, adopting or supporting these families to join us. Their next meeting is November 18. For more information visit GH4K.org and join their Facebook Group, where they share needs presented to them.
O God, Father of military persons as well as civilians, on this Sabbath following Veterans’ Day, we pray for all those who have served in one of the branches of the Department of Defense-Air Force, Army, Coast Guard, Marines, and Navy, and have separated or retired. We realize that not all were God-loving or even God-fearing, but all were serving their country selflessly. Many have been very seriously wounded, some physically, some mentally-lifelong wounds. But, wounded or not we ask for them your bounteous grace and mercy-lifelong. Touch with generous and caring hearts those who have caring responsibilities, official and unofficial, to provide gracious and comprehensive care as Good Samaritans. Today, we also pray Your merciful care for all veterans, world-wide, through Jesus, Who has all authority in Heaven and Earth, till He comes again. Amen.
First Advent Calendar 2021
“Reflections on Christmas Hymns”
December 1-25, 2021
This Christmas season, Pioneer Women’s Ministries is delighted to share with you a Christmas Hymn Reflection each day through Christmas day. A daily email and/or a text will be sent to those who register. To register, text HYMNS to 269-281-2345.
The World Service Organization (WSO) is part of the Adventist Chaplaincy Ministries Department. The WSO is the church entity that supports Adventists who serve their communities, militaries, and local, regional, and national governments.
In order to support you, we need to know who you are and what you do. We have created a system to collect this information and store it securely. Now, we need you to create your profile.
WHO SHOULD CREATE A PROFILE
Any Adventist who serves in:
YOU CAN CREATE YOUR PERSONAL PROFILE AT PORTAL.WORLDSERVICEORGANIZATION.ORG.
Once you log in, choose the Adventist in Uniform/Government registration platform. You’ll be asked to provide your name and contact information, government service information, and church relationship.
Be sure to complete the section on subscriptions to receive your complimentary For God and Country magazine subscription, occasional email updates, and texts from the World Service Organization. Don’t forget to click submit.
