Category Archives: Uncategorized

Time is worth something… not debt

I am facing a slight quandry. Recently, my employer relocated to a new building and it has lengthened my commute from 45 mins to 1 1/2 hours. Right now, I leave the house at 6:45 am and I do not get home until almost 6:20 pm (that is if all trains and buses are on schedule – I take 3 trains and 1 bus).

Someone said I should just borrow the money to buy another car. I thought about it and realized that wasn’t a smart idea. I would be trading my time for debt and I think that my time is more valuable than debt (especially debt on a depreciating item that loses value) Sometimes, I wish that I had another car but I am also thankful not to have the car payment to go along with the other car. It gets discouraging when your train or bus is late because then it has a domino effect.

We recently completed Financial Peace University at our church and it has transformed our financial life. We are working our plan to get out of debt and I have to remind myself that I need to keep going and not get derailed. Getting out of debt is a process not something instantaneous.

We have survived almost three years having one car. I think we can make it another year or so and get our debt paid and be able to save up money to pay cash for a car.

Time is money and it is a valuable commodity, just not worth trading it for debt.


2015 in review

The stats helper monkeys prepared a 2015 annual report for this blog.

Here’s an excerpt:

A San Francisco cable car holds 60 people. This blog was viewed about 1,800 times in 2015. If it were a cable car, it would take about 30 trips to carry that many people.

Click here to see the complete report.

Journaling more than blogging

It has been a while since I posted anything here – April 2015 to be exact.  The reason is that I have been journaling more each day using the Day One app both on my computer and on my iPhone (I can dictate my entries)  As a result, I have not blogged as much.  Right now I am trying to figure out a way where I can still keep up my journaling habit/discipline and also blog as well.  Many of the things I have journaled are private and I cannot publish them here.

I am thankful to those of you who still read some of the past articles that I have published.  I am thankful for those who have taken the time to comment and engage in a civil dialogue.

Trying to negotiate the balance between journaling and blogging…. and hoping its not a tightrope walk because I do not do well with heights


2014 in review – The WordPress version

The stats helper monkeys prepared a 2014 annual report for this blog.

Here’s an excerpt:

A San Francisco cable car holds 60 people. This blog was viewed about 1,700 times in 2014. If it were a cable car, it would take about 28 trips to carry that many people.

Click here to see the complete report.

2013 in review

The stats helper monkeys prepared a 2013 annual report for this blog.

Here’s an excerpt:

A San Francisco cable car holds 60 people. This blog was viewed about 2,600 times in 2013. If it were a cable car, it would take about 43 trips to carry that many people.

Click here to see the complete report.

A good article to read.. a paragraph that will get your attention

Justin Taylor recently did an interview with Russell Moore, the president-elect of the ERLC. I would encourage you to read that article here

There is one paragraph that stood out to me.  I have copied it below so you can read it.

I struggled with a calling to Christian ministry as a very young man, maybe twelve or so, but then drifted away from that toward a political career. A very risk-taking congressman, Gene Taylor of Mississippi (who was and is my hero), invested a lot of time and effort in me, giving me opportunities that I can’t imagine now why he would give to someone that green. My wife Maria and I dated with her on the campaign trail with me, at little county fairs and fundraisers all over south Mississippi. After I sensed the call to ministry, I wondered why God had allowed those years to go in that direction, and I suppose I assumed they were “Jonah to Tarshish” years, even though I thoroughly loved them. I now see something of how many of the threads of God’s providence fit together.

Did you notice where Russell Moore speaks about someone who made a difference in his life by giving him opportunities?  Are the days of people making substantial investments in the lives of others over?  Are there people out there willing to take a risk and heavily invest themselves in people?

I would love to hear your thoughts!

Some thoughts on potential


Have you ever thought about the term potential?  We use the term a lot in different forms of conversation.  Do we really know what it means?

Potential as defined by the dictionary is expressing possibility, capable of being or becoming, a latent excellence or ability that may or may not be developed.

I have been reading a book Raising A Modern-Day Knight by Robert Lewis.  We are currently studying this book each week in our Men’s Bible Study. As I was preparing for this weeks study, I came across a brief section on potential that really gripped me and I want to share it with you.

General Ulyssees S. Grant, whose victories at Vicksburg, Chattanooga, and elsewhere sealed the conflict for the Union, is considered one of the heroes of the War between the States.  But Grant’s success is remarkable when you consider his background. You see, prior to the war, Ulysses S. Grant was a confirmed failure.  He had failed as a farmer, a peddler of firewood, and as the proprietor of a leather store in Galena, Illinois.  At one point, he was so broke that he pawned his gold watch–a family heirloom for $22.  But deep in his heart, Ulysses S. Grant knew he could succeed….No matter how hard Grant tried, no one seemed to sense his potential. [pg. 124-125 Raising a Modern Day Knight]

We know the rest of the story how Grant would later be known as of one the greatest Generals of the Civil War.  How is it for us today?  Are there people around us that possess great potential and we pass them by or ignore them.  What if Grant languished in his failures which were already evident in his life?

I like what the Bible says in regard to failure and potential:

Not that I have already attained, or am already perfected, but I press on, that I may hold of that for which Christ Jesus has also laid hold of me.  Brethren, I do not count myself to have apprehended; but one thing I do, forgetting those things which are behind and reaching forward to those things which are ahead – Philippians 3:12-13 NKJV.

The Apostle Paul realized the importance of forgetting and reaching forward.  We would call this perseverance.  Refusing to live in the shadows of our past failures.  Learning from them and moving forward.

Is there someone around you that has potential in a particular area?  Maybe you can be a difference-maker in their life by encouraging them.  A tiny bit of encouragement from someone can go a long way in the life of another.  We call that mentoring.  A big word for a relatively simple concept.

photo credit: Krissy.Venosdale via photopin cc