Please join us for the next Master Guide Toolbox training event at the Andrews University Seminary, September 19-20! Please register at cye.org/toolbox for questions contact Cheryl Logan at cjhlogan@gmail.com.
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
You are invited to a GriefShare program in the Fireside Room at the Village Seventh-day Adventist Church. The 13-week class begins Tuesday, September 16 at 6:30 PM. Help will be shared in a small group setting for those processing their emotions after the loss of someone they love. For more information or to register please contact Mike and Shirley Gammon at 989-427-5669 or Paul and Linda Pellandini 517-243-2767.
Pioneer Operating Budget
My favorite fruit is mango. A mango boasts an exotic and captivating flavor. The richness and complexity of a mango's taste make it a truly indulgent fruit! The initial taste is a burst of luscious sweetness, followed by a slightly tart undertone that provides a perfect balance.
In Psalm 34, we read, “Oh, taste and see that the Lord is good; Blessed is the man who trusts in Him! Oh, fear the Lord, you His saints! There is no lack to those who fear Him.” This figurative language, "Taste and see that the Lord is good," invites us to not just believe in God's rich goodness, but actively experience it in our lives. To "taste" the Lord is to engage with faith in a deeply personal, intimate way.
Just as we use our sense of taste to savor and appreciate different flavors, we are called to savor and appreciate the richness and diversity of God's love, mercy, and grace. It means opening our hearts to the work of the Holy Spirit and allowing God's word to nourish and guide us. The goodness of the Lord is revealed in countless ways. It is present in the beauty of creation, in acts of kindness, and in the love we share with others. Today, let’s taste and see that the Lord is good by giving back our tithes and offering!
—North American Division Stewardship Ministries
Please join us for House of Prayer Wednesday evenings at 7pm in the Earliteen Loft for a time of singing, Bible study and prayer.
Small groups for PMC, known as Grow Groups, are now beginning for the fall semester. Please text "JOIN" to 269-281-2345 to view the groups and choose one or more that interests you. If would would like to lead your own group, text "LEAD" to the same number, and complete and submit the form.
It's time for children in Grade 5-12 to register to be part of the Evergreen Pathfinder Club for this school year. As we start our new year we hope you can join us as we have fun, learn about God and share the good news of salvation in a safe welcoming environment. Please text PMCEP to 269-281-2345 to receive the registration form. Questions please contact Errol.prentice@pmchurch.org
Everyone is invited to the overview of the Fourth Quarter Sabbath school lesseon presented by Dr. Rahel Wells on the Book of Joshua. We hope you can join us on October 4 at 4:00 PM in the Pioneer Youth Chapel. For further information contact Melchizedek Ponniah, 269-876-7476, melponniah@gmail.com.
You are invited to the last a hymn-sing for 2025 at The Old Rugged Cross Church on September 20, Sabbath, 4:00 - 5:15 PM. The Old Rugged Cross Church is located at 61041 Vermont Street, Pokagon, MI 49047. Please bring your Seventh-day Adventist Hymnal. A free will offering will help to maintain this historic church where the hymn, “The Old Rugged Cross,” was introduced to the public by the composer. For further information, please contact Melchizedek Ponniah, melponniah@gmail.com, or 269-876-7476.
Heritage Singers October 4, 2025, 8:00 PM. $30 Reserved, $20 Students, $10 Children < 5yrs Heritage Singers is a non-profit gospel music ministry based in California with a goal to bring people closer to Jesus by praising Him through music. When founders Max and Lucy Mace began this ministry, they never thought they would still be doing this 54 years later. Heritage Singers has had the opportunity to travel to over 80 different countries, travel over two million miles, and perform over 7,500 concerts. Max Mace believed that “If there ever was a time to share the Good News about Jesus, it’s now.”
Cerus Quartet - Fischoff Competition Winners September 28, 2025, 7:00 PM. $20 General Seating, $10 Students, $5 Children < 5yrs Cerus Quartet is dedicated to showcasing the dynamic and versatile sound of the saxophone quartet. They champion both new music and timeless repertoire. With a repertoire spanning contemporary compositions and transcriptions of classical masterworks, the quartet seeks to establish the saxophone quartet as a leading voice in 21st century classical music. Among many other awards, the quartet has recently received the Gold Medal in the 2025 Fischoff Chamber Music Competition.