Monthly Archive for October, 2008

Finance Friday 31: How do you give?

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When I was younger, giving consisted pulling a dollar out of my wallet and placing it in the basket or plate that comes through. Over the years, my theology and value for giving have increased. But what has also increased is financial stress on my life, which makes the “putting a dollar in the basket” a bit more appealing than the value of tithing “10%.”

Giving and generosity are bedrock values for the Kingdom of God. Most churches spend some time teaching and soliciting for gifts, but they mostly rely on parishioners being faithful and generous. From the standpoint of a parishioner, I want my giving to be private and just enough. From the standpoint of a ministry leader, I want the opportunity to have more influence on those who give (especially partners in our ministry).

In an article on giving in the latest issue of “Leadership,” the author writes, “A key question to ask (when giving): ‘If everyone in my church gave like I do, would that be a good thing for the Kingdom?’”

That’s a fantastic mantra when considering giving. If my value of giving was the dollar out of my wallet, I’m not sure that would be a good thing for the Kingdom. Giving is not meant to be equal for all in raw monetary terms. Some people will have the privilege of giving more than others. But it’s helpful to consider how we give and the impact if our kind of giving is shared by all.

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Church in the World

For Christians cannot be distinguished from the rest of the human race by country or language or customs. They do not live in cities of their own; they do not use a peculiar form of speech; they do not follow an ecentric manner of life. This doctrine of theirs has not been discovered by the ingenuity or deep thought of inquisitive men, nor do they put forward a merely human teachings, as some people do. Yet, although they live in Greek and barbarian cities alike, as each [one's] lot has been cast, and follow the customs of the country in clothing and food and other matters of daily living, at the same time they give proof of the remarkable and admittedly extraordinary constitution of their own commonwealth. They live in their own countries but only as aliens. They have have a share in everything as citizens, and endure everything as foreigners. Every foreign land is their fatherland and yet for them every fatherland is a foreign land… They busy themselves on earth, but their citizenship is in heaven.

— Letter to Diognetus, Early Christian Father

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Go ahead and state your case against Obama

but this, this, this and this are ridiculous… Shame on you Christians! Makes me want to vote for him just in spite!

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Brewing the perfect cup of coffee

One of the joys of this Sabbatical season has been the discovery of the perfect cup of coffee.

I brewed this cup of coffee from fresh beans (I believe Guatemalan) that were home-roasted a couple days earlier. I roasted these beans on the darker side (in coffee speak, Full City Plus). I then used the Aeropress to brew this cup of coffee. The light brown froth that is covering the black brew is actually coffee. That’s right,  it’s not froth from milk or cream. In other words, what you see in this picture is straight black coffee. If you have not drank a cup of coffee with it’s creme still freshly floating at the top, you are missing out.

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Fantasy Election Game

UPDATE 11/2: There was an error in calculations in the excel file. I’ve fixed it and uploaded the new file.

I am organizing a “Fantasy Election” game for the night of Tuesday, November 4. It works a lot like a fantasy sports league, but we’ll be making our best estimates on how the electoral college will come in this election season. All entries are due by Monday, November 3 at 11:59pm.

Here’s how to participate:

  1. Download the excel spreadsheet. (Note that the file is in the latest format of Excel. I believe you can download an add-in from Microsoft to read the file on older versions of Excel.)
  2. Fill out Column D and give your best guess for the popular vote count (cells G15, G16)
  3. Email the completed spreadsheet back to me: eddy AT servingbread DOT net
  4. Entry must arrive in my mailbox by 11:59pm on Monday November 3. NO EXCEPTIONS.
  5. Once I receive your entry, I will direct you to a website that will be updated on the night of the election (and the next morning) where you will see how you fare against others.
  6. Winner will be the person who gets closest to the electoral college count.
  7. In case of a tie, tie-break will be determined by the person who scores closest to the winner’s electoral college.
  8. The winner will get… well, “satisfaction of knowing you are a whiz political junkie.” But if you’re interested in seeing if the winner can get more, feel free to email me for a potential side game (ahem)
  9. In case of a repeat of the 2000 elections, we’ll just have to wait until the five justices of the Supreme Court tell us what a hanging chad is or isn’t.

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Prophetic?

A democracy is always temporary in nature; it simply cannot exist as a permanent form of government. A democracy will continue to exist up until the time that voters discover that they can vote themselves generous gifts from the public treasury. From that moment on, the majority always votes for the candidates who promise the most benefits from the public treasury, with the result that every democracy will finally collapse due to loose fiscal policy, which is always followed by a dictatorship.

The average age of the world’s greatest civilizations from the beginning of history has been about 200 years. During those 200 years, these nations always progressed through the following sequence:

  • From bondage to spiritual faith;
  • From spiritual faith to great courage;
  • From courage to liberty;
  • From liberty to abundance;
  • From abundance to complacency;
  • From complacency to apathy;
  • From apathy to dependence;
  • From dependence back into bondage.

—Attributed to Alexander Fraser Tytler, ~1770

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How to vote for your CA state representatives

This time around, I am voting (and urge you to do the same) no on the incumbents for state senate and assembly. The legislators submitted the budget to the governor an unprecedented and unacceptable 85 days after it was due. And you would think that the delay proves that we got a pretty decent budget. But after a three month impasse, they still got it wrong! (State politicians are trying to figure out how to close an “unforeseen” gap and will call a special session of the legislature to do that) There is no way to keep our legislators accountable but through the electoral process.

Unfortunately, I cannot vote out Lloyd Levine because he is being termed out as an Assemblyman. So, I’ll be voting against his party’s (Democratic) replacement. I have nothing against Bob Blumenfield, but this time around, Armineh S. Chelebian will be getting my vote (and if you are wondering, the answer is NO, I’m not voting for her simply because she’s Armenian).

So for all of you California voters, join me in voting out the incumbents!

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Memory verse of the week

No longer drink only water, but take a little wine for the sake of your stomach and your frequent ailments.

—1 Timothy 5.23

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Measures A, B, R, J, Q

If you are interested in my reasoning for the endorsements below, feel free to ask.

Measure A: “Shall the City of Los Angeles levy an annual $36 gang prevention tax, with discounts for low-income seniors, on each real property parcel?” NO

Measure B: “Shall existing voter-approved authorization for low rent housing be revised to remove impediments to federal and state funding and requirements not compatible with current housing needs, and authorize the development, construction or acquisition of low rent housing by public entities in the City of Los Angeles, maintaining the previously authorized voter-approved level of 3,500 units per Council District, subject to availability of funding and all City development requirements” YES

Measure R: “Shall Los Angeles County’s sales tax increase one-half cent for 30 years with independent audits, public review of expenditures, all locally controlled?” NO

Measure J: “Shall Los Angeles Community College District issue $3.5 billion in bonds at legal interest rates, requiring public review, oversight, audits, no money for administrators’ salaries and no tax rate increase?” NO

Measure Q: “To improve student health, safety and educational quality, shall the Los Angeles Unified School District: continue repair/upgrade of aging/deteriorating classrooms, restrooms; upgrade fire/earthquake safety; reduce asbestos, lead paint, air pollution, water quality hazards; build/upgrade specialized classrooms students need to meet job/college requirements; improve classroom Internet access by issuing $7 billion in bonds, at legal interest rates; with guaranteed annual audits, citizens’ oversight, no increase in maximum tax rate?” NO

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Finance Friday 30: Revisiting a budget

Earlier this month, we spent some time revisiting and reviewing our family’s budget. My wife and I review our budget at least once a year. The review allows us to have a clear picture of how we are spending our money and whether our budget reflects our values, priorities, and reality.

Upon review of our budget this year, there are a few things that stood out to me:

  • We have not updated or revised our budget since the birth of our son. I was surprised to see our monthly expenses higher than what was budgeted and some of that was due to the fact that we have had more expenses with an expanded family.
  • We were consistently spending more on dining out than was budgeted. Now some of that is that Rhoda and I have not adjusted our eating-out budget item since we got married seven years ago. (We budget $50 a month toward this luxury) We have had to both readjust our budget but also recognize that we need to be stricter in how often we dine out. Also, with a toddler joining us, our bill has inched upward. We have readjusted our dining out budget to $75 / month and decided that we would be more disciplined to stick to that number.
  • We have no feedback loop during the month to judge whether we are on budget or not. Though I enter our receipts in our money management program on a regular basis, I don’t run the numbers against our budget on a regular enough basis. So we’ve decided to check our actuals against our budget every two weeks to better at our stewardship.

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