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Examining recent market events through factors
Factors have historically been identified as critical drivers of portfolio risk and return and can now be used to better inform the investment process and provide insight into market performance.
Join our webcast to learn about MSCI's latest factor research and how it can be applied to understanding recent market events. We will also examine how multi-factor strategies can provide core portfolio diversification.
In this webcast we will:
- Look at the current market dynamics through the lens of Factors
- Introduce MSCI's latest research on factor influence on recent market events
- Analyze multiple-factor strategies and the power of diversification
Presented by:
- Mark Carver - Executive Director, Global Head of Factor Indexes, MSCI
- George Bonne, PhD, PRM - Executive Director, Equity Factor Research, MSCI
- Brendan Maton, IPE
Sep 26 2018
60 mins
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Mark Carver and George Bonne, MSCI; Brendan Maton, IPE
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Factor Investing
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Multiple-factor strategies
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IPE Webcast Channel
Bond ETFs: Primed for Growth
Jul 5 2019
10:00 am
75 mins
Armit Bhambra and Vasiliki Pachatouridi, BlackRock; Brendan Maton IPE
Bond exchange traded funds (ETFs) transformed how all investors—from individual savers to pension funds—can access fixed income markets and the growth is set to accelerate from here.
In fact, according to the most recent Greenwich Associates European Institutional ETF research, 44% of institutional investors now use bond ETFs and a growing number of European institutions are using ETFs to replace individual bonds.(1)
Join us for a lively discussion around the fixed income market, how your peers are implementing bond ETFs in their portfolios and 4 key trends driving future bond ETF adoption.
- Armit Bhambra, Head of iShares UK Retirement, BlackRock
- Vasiliki Pachatouridi, Head of EMEA iShares Fixed Income Strategy, BlackRock
- Brendan Maton, IPE
1 Source: 2019 Greenwich Associates Institutional ETF Study, February 2019. Based on 127 responses.
Save your seat
Factor Investing – The Road To Implementation
Jun 5 2019
63 mins
Michael Hunstad, PhD and Jordan Dekhayser, CFA, Northern Trust Asset Management; Brendan Maton, IPE
Many of the world's largest institutional investors have adopted factor-based portfolio construction, shifting the conversation from "why" invest in factors to "how".
In this deep dive into portfolio construction, Michael Hunstad, PhD, head of quantitative strategies and Jordan Dekhayser, CFA, Head of Quantitative Equity Research and Strategy at Northern Trust Asset Management will uncover some of the key pitfalls to avoid and the most critical components to consider in any factor portfolio. Key topics include:
- When factors underperform
Discover how implementing a multi-factor approach may help mitigate periods of single factor underperformance.
- Targeting pure factors
Learn about our Factor Efficiency Ratio that helps provide desired factor exposures whilst minimising unintended risk.
- Factors and ESG
How can investors efficiently combine factors and ESG to achieve their objectives?
Presented by:
Michael Hunstad, PhD, Head of Quantitative Strategies, Northern Trust Asset Management; Jordan Dekhayser, CFA, Head of Quantitative Equity Research and Strategy; Brendan Maton, IPE
Watch now
The indexing revolution fuelling institutional investment in ETFs
May 30 2019
64 mins
Henry Odogwu, FTSE Russell; Armit Bhambra, iShares; Karim Chedid, iShares; Brendan Maton, IPE
Allocations to exchange-traded funds by institutions currently investing in ETFs increased by 50% in 2018, totalling 15% of total assets among the 127 institutional investors participating in Greenwich Associates most recent European Exchange-Traded Funds' European Study. That growth was driven in large part by three key trends:
• ETFs thrive in volatility: European institutions in 2018 were repositioning their portfolios for a turbulent investment environment featuring the prospect of European Central Bank (ECB) rate hikes and a host of geopolitical risks.
• Index revolution: European institutions in search of low-cost beta continued shifting assets from active management to index strategies last year.
• ESG is key: European institutions are integrating Environmental, Social and Governance (ESG) standards into their investment process, and many of these investors are using ETFs as their vehicle of choice for ESG exposures.
These trends helped fuel robust growth in ETF allocations among the institutional funds, asset managers, insurance companies, and discretionary wealth managers participating in the 2018 study.
Join subject matter experts from index provider FTSE Russell and ETF issuer iShares for this webcast analysing the results from this latest Greenwich report and discuss ETFs' benefits and future growth potential with European institutions.
Presented by:
• Henry Odogwu, Managing Director, Head of Asset Owners Group (EMEA), FTSE Russell
• Armit Bhambra, Director, Head of iShares UK Retirement, BlackRock
• Karim Chedid, Director, iShares EMEA Investment Strategy, BlackRock
Moderated by Brendan Maton, IPE
Watch now
Global Equity: Impact Investing moves centre stage
May 22 2019
66 mins
Luciano Diana and Marc-Olivier Buffle, Pictet Asset Management; Brendan Maton, IPE
Protecting the environment is now a priority for consumers, companies and governments. Their converging interests, driven by increased global awareness, technological advances and health concerns, are underpinning a global drive to safeguard the world's natural resources.
The private sector is rising to the challenge with the most proactive companies integrating environmental policies into their sales strategies and business models to generate new opportunities. We believe companies with products and services that maximise resource efficiency and help diminish pollution will offer long-term sustainable returns.
In this webinar, Pictet Asset Management's thematic investment managers explain the process they adopt to unlock the potential of environmental investments. They delve into why employing an investment screen that uses a rigorous planetary-boundaries framework and lifecycle analysis can not only safeguard the natural world but enhance investment return.
In this webinar, Pictet Asset Management's thematic investment managers explain:
• The lessons Pictet learned over two decades on how to make a difference
• An environmental equity approach that is not about compromising on return
• Explain how we use our " Planetary Boundaries" framework to define our investment universe
Presented by:
• Luciano Diana, Head of Environmental investments, Pictet Asset Management
• Marc-Olivier Buffle, Senior Product Specialist, Pictet Asset Management
• Brendan Maton, IPE
Watch now
Build to Rent: a new home for capital
May 15 2019
61 mins
Dan Batterton and Eleanor Jukes, LGIM Real Assets; Brendan Maton IPE
Tune in to this webcast to hear LGIM's market experts talk about the growing £50bn Build to Rent (BTR) sector and why it's part of the solution to the UK's housing issues and investor requirements.
IPE's Brendan Maton, will be quizzing Dan Batterton, Senior Fund Manager, L&G UK Build-to-Rent Fund and Eleanor Jukes, Senior Strategist on:
• What is UK Build to Rent?
• What does BTR deliver to an investment portfolio for both UK and non-UK investors?
• The positive social impact of BTR
• How the risks and regulations are managed
• How will the BTR sector evolve?
Presented by:
• Dan Batterton, Senior Fund Manager, L&G UK Build-to-Rent Fund, LGIM Real Assets
• Eleanor Jukes, Senior Strategist, LGIM Real Assets
Moderated by Brendan Maton, IPE
Watch now
Exposed to Nonsense? Spurious Factors in Popular Investment Tools
Mar 21 2019
74 mins
Felix Goltz, Research Director, Scientific Beta, and Head of Applied Research at EDHEC-Risk Institute; Brendan Maton, IPE
Factor investing offers a big promise. By identifying the persistent drivers of long-term returns in their portfolios, investors can understand which risks they are exposed to, and make explicit choices about these exposures.
When it comes to information about factors, providers offer analytic toolkits to identify the factor exposures of an investor's portfolio. However, these analytic tools do not employ academically grounded factors and their factor finding process maximises the risk of ending up with false factors. These non-standard factors also lead to mismeasurement of exposures and may capture exposure to redundant factors. In the end, analytic tools for investors do not deliver on the promise of factor investing and they also lack transparency.
This webinar will contrast factor definitions used in analytic tools offered to investors and compare them with the standard academic factors. We will also outline why the methodologies used in popular tools pose a high risk of ending up with irrelevant factors.
Watch now
Managing Volatility: Index approaches for a smoother ride
Mar 12 2019
62 mins
Marlies van Boven, Managing Director, Research & Analytics, FTSE Russell; Brendan Maton, IPE
When faced with market volatility, many institutional investors typically allocate a percentage of their portfolio to cash. Sitting, waiting, for the waters to calm before they dip their 'investment toe' back in.
However, non-participation presents a timing risk and may mean 'missing the boat' when markets calm and climb.
How can investors reduce overall portfolio risk while remaining invested? How can index-based investment approaches help investors meet their defensive objectives?
In this webinar Marlies van Boven, PhD, Managing Director Research & Analytics, FTSE Russell examines what popular indexed-based strategies can do to help limit the impact of portfolio volatility and mitigate risk.
• Volatility – what are the key drivers behind the current market volatility?
• Common defensive Index based strategies. Philosophy, design and objectives
• The Minimum Variance approach – Reducing overall portfolio volatility, while maintaining diversification
• Assessing relative performance via Analytics + FTSE Russell's Analytics tool
Watch now
A rules-based approach to integrating climate risk
Nov 22 2018
66 mins
Francis Condon and Christopher Greenwald, UBS Asset Management; Brendan Maton, IPE
As the need intensifies for the world to transition to a low-carbon economy, we look at the ways in which aligning to the 2 degree global warming scenario can provide investors with opportunities. In particular, we will explore the benefits of adopting a low cost, rules-based approach to integrating climate risk, with a focus on:
• Incorporating a forward looking approach aligned to forward-looking carbon reduction targets
• The use of qualitative and quantitative factors to tilt exposures towards those companies more likely to follow the 2 degree reduction scenario and away from those likely to track the 6 degree scenario
• The role of an active engagement and proxy voting policy to drive positive climate change action
Presented by:
- Christopher Greenwald, PhD, MBA: Head of Sustainable and Impact Investing Research and Stewardship, Executive Director, UBS Asset Management
- Francis Condon, M.Phil: Sustainable and Impact Investing Research Analyst, Executive Director, UBS Asset Management
Moderated by:
Brendan Maton, IPE
Watch now
How are Pension Funds seeking new cost efficiencies?
Nov 15 2018
47 mins
Armit Bhambra, Head of UK Retirement, iShares by BlackRock; Maya Beyhan, Investment Strategist, Kempen; Brendan Maton, IPE
Since 2009, ETF assets have increased from c.$1trn to above $4trn today*. As AUM has increased, so too has the volume traded over exchanges, which has the direct impact of reducing transaction costs versus trading in the primary markets. This changing landscape requires a more holistic view of costs.
In this webinar, we focus on ETFs and when and why it maybe more cost efficient to use an ETF instead of an alternative wrapper. We will look at the Total Cost of Ownership (TCO) framework and how it can help drive cost efficiencies for your Pension Fund, for both ETFs and IMFs. It also enables you to evaluate the most cost-efficient vehicle and gives you a better reflection of true costs.
We will discuss how you can make cost efficiencies for your pension fund and address the following key questions:
· What are the cost benefits of ETFs?
· How will it fit within our current pension fund portfolio?
· What is the Total Cost Ownership (TCO) framework?
· How does TCO differ to the traditional cost analysis model for mutual funds?
· Should I consider ETFs as a key investment strategy for our pension fund?
· ETFs have been on the rise for the last few decades, will the trend continue?
· What is the key strategy to achieving a strong return and cost-efficiencies?
* Source: Kempen Capital Management, as of July 2018
Watch now
Are 'LPs' becoming 'GPs'? Drivers and challenges for alternatives investing
Nov 14 2018
70 mins
Mark Austin and Stuart Lawson, Northern Trust; James Alexander, Accenture; Brendan Maton, IPE
As institutional investors /pension schemes boost their exposure to alternative assets at transformational levels, they are exploring a variety of ways to access the investments. An evolving approach is to venture beyond the investor role by entering the realm of the asset manager and establishing their own investment vehicles.
This can offer advantages such as full alignment to their requirements and greater control. Yet it also requires a high level of in-house expertise and operational considerations.
The webcast will:
• Examine the drivers and challenges for investment in alternative assets
• Explore the changing relationship between 'LPs' and 'GPs'
• Outline key considerations for direct investment
Presented by:
- Mark Austin, Head of UK Institutional Investor Group, Northern Trust
- Stuart Lawson, Senior Product Manager, Alternatives, Northern Trust
- James Alexander, UK Wealth and Asset Management at Accenture
Moderated by:
- Brendan Maton, IPE
Watch now
Monetary Policy: Navigating A Troop of Gorillas
Nov 1 2018
64 mins
Brian D. Singer, CFA, Partner, Head of the Dynamic Allocation Strategies Team, William Blair; Brendan Maton, IPE
Easy monetary policies across the globe have unleashed a troop of 800-pound gorillas to harass capital markets, and in doing so, have created unintended risks—and significant opportunities.
Get insights on this and three other compounding issues that have heightened concerns of a market disruption, and learn how to navigate this environment and pursue resulting opportunities.
In this webinar, Brian Singer, CFA, head of William Blair's Dynamic Allocation Strategies Team, will discuss:
How the current market environment is interesting but not unique
• 1980s: Black Monday
• 1990s: Dot-com bubble
• 2000s: Global Financial Crisis
• Today: Different book, same story (final chapter hasn't been written yet)
How the story keeps getting repeated
• Monetary stimulus
• High asset prices
• Low volatility
• Systematic over fundamental
• Reckoning at the end
Why the troop of 800-pound gorillas (global central banks) and compounding issues may exacerbate a market downturn
• Global quantitative easing
• Rules-based strategies
• The Volcker Rule
• Circuit breakers
Why it's important to be aware and where opportunities may emerge
• Positioning portfolios to step into opportunities
Watch now
The potential of infrastructure debt in an alternative fixed income portfolio
Oct 24 2018
61 mins
René Kassis - Managing Director, Head of Private Debt, La Banque Postale Asset Management; Brendan Maton, IPE
***DISCLAIMER: This webcast is addressed to professional investors located in the following countries only: Netherlands, Belgium, Luxemburg, Germany, UK, Austria, Switzerland, Norway, Sweden, Finland, Denmark, Italy, Spain and France***
In the current low-rate environment, the search for yield has led investors to alternative fixed income categories. Besides investments like mortgage loans and asset-backed securities, infrastructure debt offers institutional investors various advantages. Being a less liquid investment, investors in infrastructure debt receive an attractive illiquidity premium. On top of that, this asset class offers diversification benefits within a fixed income strategy, historically low default rates, high recovery rates and low capital charges under Solvency II.
At present, more than half of all infrastructure projects relate to the renewable energy transition. Infrastructure debt is about assets that provide essential public services such as transport, energy, healthcare, utilities and telecom infrastructure. This also includes companies that tackle environmental problems, e.g. water treatment and minimizing energy wastage. In the long term, these assets generate predictable and stable cash flows and contribute to a more sustainable world.
René Kassis, Managing Director, Head of Private Debt at La Banque Postale Asset Management will tell you more about this.
DISCLAIMER: Professional investors located in the following countries can sign in for the webcast: Netherlands; Belgium; Luxemburg, Germany; UK; Austria; Switzerland; Norway; Sweden; Finland; Denmark; Italy, Spain and France
Watch now
Real Assets – why a combined approach makes sense
Oct 17 2018
71 mins
Lorna Brown, Robin Martin and Tom Sumpster, LGIM Real Assets; Brendan Maton, IPE
The interest in growing Real Asset exposures in portfolios has boomed in recent years. But with an asset class that encompasses a range of Real Estate and Infrastructure sectors, and different shades of debt and equity, investors are faced with many options.
Tune in to this webcast to hear LGIM's market experts Lorna Brown, Head of Real Estate Debt, Rob Martin, Real Assets Research Director and Tom Sumpster, Head of Infrastructure Finance talk about the different roles the asset class can play in meeting investors' objectives.
IPE's Brendan Maton, will be quizzing Lorna, Rob and Tom on:
• How investors should be thinking about allocating to Real Assets
• The current market environment in the UK
• Which areas of the market look most interesting now
• What are the risks that investors need to consider
Presented by:
Lorna Brown - Head of Real Estate Debt, LGIM Real Assets
Robin Martin - Director of Research, LGIM Real Assets
Tom Sumpster - Head of Infrastructure Finance, LGIM Real Assets
Moderated by:
Brendan Maton, IPE
Watch now
Examining recent market events through factors
Sep 26 2018
60 mins
Mark Carver and George Bonne, MSCI; Brendan Maton, IPE
Factors have historically been identified as critical drivers of portfolio risk and return and can now be used to better inform the investment process and provide insight into market performance.
Join our webcast to learn about MSCI's latest factor research and how it can be applied to understanding recent market events. We will also examine how multi-factor strategies can provide core portfolio diversification.
In this webcast we will:
- Look at the current market dynamics through the lens of Factors
- Introduce MSCI's latest research on factor influence on recent market events
- Analyze multiple-factor strategies and the power of diversification
Presented by:
- Mark Carver - Executive Director, Global Head of Factor Indexes, MSCI
- George Bonne, PhD, PRM - Executive Director, Equity Factor Research, MSCI
- Brendan Maton, IPE
Watch now
The Benefits of Combining Public and Private Real Assets
May 31 2018
56 mins
Larry Antonatos – Managing Director, Portfolio Manager, Brookfield; Brendan Maton - IPE
Larry Antonatos, a Portfolio Manager on the Real Assets Solutions team for Brookfield's Public Securities Group, explores how investors can reap the rewards of both public and private real assets by combining them within a single hybrid portfolio. By diversifying the drivers of risk and return, the potential investment benefits of this hybrid approach are:
- Enhanced risk-adjusted returns
- Dynamic asset allocation of public securities
- Strategic diversification of private funds
Please join us for a discussion on the underlying characteristics and risk/return profile of a public/private real assets portfolio along with an analysis of the "illiquidity premium" attributed to private funds.
Presented by: Larry Antonatos – Portfolio Manager, Brookfield's Public Securities Group
Moderated by: Brendan Maton, IPE
Watch now
Alternative Debt – Real Assets are here to stay
May 17 2018
76 mins
Pauline Fiastre, Senior PM, Infrastructure Debt & Philippe Deloffre, Head of Real Estate Debt at BNP Paribas Asset Management
Real Asset financing is becoming increasingly popular. This is not surprising given the diversification benefits they bring and the sustainable, inflation-beating investment returns they can deliver.
Tune in to this webcast to hear Pauline Fiastre, Senior Portfolio Manager, Infrastructure Debt and Philippe Deloffre, Head of Real Estate Debt at BNP Paribas Asset Management, talk about why Real Assets are an important component of an investment portfolio.
IPE's Brendan Maton, will be quizzing Pauline and Philippe on:
- Size and scope of the real asset debt market
- Current market environment across Europe
- Why these illiquid alternatives can offer stable and predictable cash-flow
- The risk profile of these asset classes
- How ESG can be a defining factor in selecting quality assets
Watch now
Pension investment costs and charges: Towards greater transparency
May 9 2018
60 mins
Mark Austin, Northern Trust; Aaron Overy, Northern Trust Asset Management; Sonia Gogna, Aon
Pension investment costs and charges: Towards greater transparency
Trustees and pension fund executives increasingly need to understand the full cost of managing their investments to enable them to determine if they are receiving value for money. Yet many find it difficult to obtain the information required to complete this analysis. As pension investment costs and charges come increasingly to the fore of industry debate, this webcast will provide ideas for those seeking to gain deeper insight into schemes' investment costs and charges.
The webcast will:
• Discuss recent industry developments and initiatives aimed at encouraging greater transparency over investment costs
• Outline key areas that trustees can assess when hiring or changing their investment managers
• Highlight the costs associated with certain types of transactions and less commonly known investment-related activity
Presented by:
• Mark Austin, Head of UK Institutional Investor Group, Northern Trust
• Aaron Overy, Director of Business Development, Northern Trust Asset Management
• Sonia Gogna, Head of Large Client Solutions, Aon
Moderated by:
• Brendan Maton, IPE
Watch now
Getting Defined Contribution (DC) right and wrong: evidence from 15 nations
May 1 2018
64 mins
Gregg McClymont, Head of Retirement & Leandros Kalisperas, Global Head of Pensions Solutions, Aberdeen Standard Investments
Retirement is one of the biggest public policy challenges of this century. The global shift to defined contribution pensions reduces government and employer liabilities but can it deliver good outcomes for individuals carrying the investment risk?
Towards a new pensions settlement the international experience vols. I & II is a research project in which subject expert academics examine transitions to funded DC pensions in global comparative context.
Gregg McClymont & Leandros Kalisperas will discuss the emerging dos and don'ts of DC design based on evidence from across Europe, Asia, and the Americas in this webcast.
Dos include
· Mandatory or quasi mandatory enrolment
· Pension funds with scale
· Fiduciary governance
· Default investment pathways
Don'ts include
· Expecting individuals-to-act-as-engaged-consumers
· Ongoing or early access to savings
· Using pensions systems to achieve non pensions objectives
· Expecting DC savings to replace state pensions
A webcast for all those interested in understanding the international drivers for success in pension design in the 2020s and beyond.
Presented by:
Gregg McClymont, Head of Retirement, Aberdeen Standard Investments
Leandros Kalisperas, Global Head of Pensions Solutions, Aberdeen Standard Investments
Moderated by:
Liam Kennedy, Editor, Editor, Investment & Pensions Europe
Watch now
Dynamic allocation and factor investing
Apr 12 2018
76 mins
Felix Goltz, Head of Applied Research at EDHEC-Risk Institute, and Director of Research at ERI Scientific Beta
In this webinar, we will explore whether dynamic factor allocation can create value for investors. We will examine whether factor-based tactical allocation approaches are easy to implement and see how to account for cyclicality and conditionality of betas and premia in the context of factor investing solutions. We will present a case study of dynamic market beta adjustment and dynamic premia diversification of solutions to improve the conditionality of the performance of multi-factor strategies.
Presented by:
- Felix Goltz, Head of Applied Research at EDHEC-Risk Institute, and Director of Research at ERI Scientific Beta
- Brendan Maton, IPE
Watch now
Bringing Clarity to the Confusion of Smart Beta: MSCI FaCS
Apr 3 2018
54 mins
Dimitris Melas, Mark Carver, MSCI; Brendan Maton, IPE
Factor Investing is transforming the way investors construct and manage portfolios. Join our webcast to learn about the evolution from Style Investing to Factor Investing taking place today. MSCI's latest Factor innovation, MSCI FaCS and Factor Box provide the framework and standard for evaluating, implementing and reporting Factor allocations.
In this webcast we will:
• Introduce MSCI FaCS and MSCI Factor Box
• Demonstrate how to analyze your portfolio, compare fund to fund or funds to benchmarks and report fund or style characteristics using MSCI FaCS
Presented by:
- Dimitris Melas, Global Head of Core Equity Research, MSCI
- Mark Carver, Executive Director, Americas Head of Factor Index Products, MSCI
Moderated by:
- Brendan Maton, IPE
Watch now
Live interviews, roundtables & presentations
This webcast channel is for pension funds and other institutional investment professionals in Europe, the USA and Asia. It is particularly relevant for pension fund executives, trustees, consultants and investment managers. IPE will be bringing its community live interviews with leading figures in the market, hosting roundtable discussions on specific topics such as asset allocation and also sharing latest thought-leadership from investment experts.
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Title: Examining recent market events through factors
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Sep 26 2018 2:00 pm
Presented by: Mark Carver and George Bonne, MSCI; Brendan Maton, IPE
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Examining recent market events through factors
Mark Carver and George Bonne, MSCI; Brendan Maton, IPE
[[ webcastStartDate * 1000 | amDateFormat: 'MMM D YYYY h:mm a' ]]
59 mins


text:
This time-lapse movie of Neptune was assembled from combining NASA Hubble Space Telescope images taken over a 15-hour period. The movie shows a dynamic atmosphere and captures the fleeting orbits of Neptune's satellites. The natural color and enhanced color views of Neptune were assembled from images in 14 different colored filters. This allows atmospheric features to be seen above Neptune's methane haze, which gives the planet its blue-green color.
The animation has four sections, each one corresponding to approximately one rotation of Neptune.
The first section shows Neptune and its largest satellite Triton, which is about as large as our moon. Probably a captured Kuiper Belt object, Triton orbits Neptune in a "backwards" or retrograde path relative to the other major satellites, and opposite to Neptune's rotation. The view is close to what a human eye would see looking through the Hubble Space Telescope.
The second scene zooms in on Neptune, and the colors have been enhanced to better show the subtle detail of clouds in Neptune's atmosphere.
The third scene has the region of light changed from the visible to special methane bands in the near infrared. Most of Neptune's atmosphere becomes very dark, except for high-altitude clouds.
The fourth scene traces the satellite orbits. Four of the small, inner satellites are visible orbiting Neptune. Dutifully obeying Kepler's laws of planetary motion, the outer moons take longer to revolve around Neptune than the inner ones. From outside to inside, these satellites are Proteus, Larissa, Galatea, and Despina. These moons are so faint that only the longest Hubble exposures can capture them.
The outermost layers of Neptune's thick atmosphere do not rotate like a solid body. The polar atmospheric regions finish a full rotation in a speedy 15 hours, while the equatorial regions lag behind, taking more than 18 hours for a complete circuit of the planet.
NASA, ESA, E. Karkoschka (University of Arizona), H.B. Hammel (Space Science Institute, Boulder, Colorado), and G. Bacon (STScI)
Publication: September 1, 2005

subset: commoncrawl


text:
I don't expect to exhaust the subject that we're gonna speak about tonight, but just to introduce it to you. And I've been very concerned in recent days over many of the things that are going on in our world. And one of the things that has continued to be in the newspaper is the study of inflation, the problems of economics, the problems of...supplying food for the future, the problems dealing with gasoline, and the rising problems of fuel costs. All of these things are laying a tremendous weight on the Christian in a very specific area. And that is the area of the Christian and his finances. And, tonight, the subject that God has really laid on my heart to speak to you on is the subject of the believer and his financial responsibility. And I really believe, people, that this has a tremendous bearing upon your spiritual life and fruitfulness. And I think you'll see that by the time we are finished.
Now, I heard an interesting quote the other day. This was it: "Preachers are the poorest credit risks in the United States."...The particular commentator went on to say, "Credit bureaus will substantiate this." Now that is really a very grieving statement, because that shouldn't be true, and what a blight that is on our faith. Because the Bible, you see, is extremely clear about the believer's financial responsibility.
Several weeks ago, a man came to me and said, "I'm a new Christian. I have no idea what God requires out of me financially." He said, "Could you ever teach on that subject?" This morning, a lady came to me and said, "I have tremendous questions about what I should do in the area of finances for the future as a Christian." And this is only two of many people who have talked to me about this in the last month, and I just felt letter of the Spirit as I studied on my own to bring to you tonight some thoughts from the Word of God. I'm not gonna try to apply everything. I'm gonna let you do that. I just endeavor to give you the Word of God and trust the Spirit of God to make the application in your life.
Now, when we talk about money, we're talking about life. Money in a...in a sense is life, for you spend all your life to get money to stay alive. So, in one sense, money is life. Money, itself, is amoral. It's not good, and it's not bad. But depending on how it is used, it either becomes good or becomes bad. And so money really, then, either has righteous ramifications in your life or unrighteous ones and, thus, becomes very important.
Now we wanna look tonight at Scripture, and I wanna show you God's standards for the Christian's finances in three categories. Three categories, and I'm gonna trust the Lord to make the application individually and just really deal with the Scripture...
We're gonna consider these categories: One, the right to possess money. Two, the way to regard money. Three, the way to use money. The right to possess money; the way to regard money; and the way to use money.
Now, first of all, let's begin with the right to possess money. It's interesting to me, and I suppose you've come across this, too, that there are some people in the world, even who call themselves Christians, who say that it's wrong for a Christian to have any money. And they advocate a kind of a Christian communism. And they usually defend Christian communism on the basis of Acts chapter 2, and they say in the early church that they all things in common...And, therefore, all Christians, upon becoming Christians, should get into some kind of community thing where they give out everything to some central source, and it's doled out on an equal basis according to need. And the Christian has no right to possess money.
Well, we oughta see what the Bible says. Does the Christian have the right to possess money?...Well, let's look, first of all, at this thought. All money belongs to God. In Haggai 2:8 it says this, "The silver and the gold are Mine." And God was talking about all of the nations of the world, and He was talking in reference to all of these nations, and He was saying, "All of their silver and all of their gold is really Mine." So it's all God's. In Deuteronomy 8:18, the Bible says, "But you shall remember the Lord your God...listen...for it is He who is giving you power to make wealth." Notice two things, all money is God's. Secondly, God grants to men the power to get that which is His in terms of wealth or money. In 1 Corinthians 4:7, the Bible says, "And what do you have that you did not receive?" Now, all money belongs to God, and you can only give to somebody else what belongs to you. If God gives it to us, then it was His to begin with. So all money is God's. That's basic.
Now, you say, "Well, then what does that have to with me?" Well, God also gives men the power to gain that money which is His. So it is not assumed in the Bible that it's wrong to have money, but rather that God allows men to make money. You see, you have to look at money sort of like one of God's gifts. All of God's gifts, which He intends for man's good, have been somehow perverted into evil. Take, for example, God's gift of nature. Man somehow learns how to take the things of nature in the category called science and invent bombs and so forth and so on to destroy. Take the area of sex. God invents sex for His...for the pleasure of man. It's good. The marriage is...marriage is honorable, Hebrews says, and the bed is undefiled. But man perverts that. Take, for example, food. Do you know that food is a good gift of God? Of course it is. In fact, in 1 Timothy chapter 4, it says, "All things are to be received with thanksgiving." But man takes that kind of thing, that kind of food which God gives as a good thing and turns it into gluttony. Man has a way of twisting and perverting all of God's good gifts.
Now, God also gives men the power to gain money. In 1 Timothy 6:17, in a passage talking about money, that whole passage there is talking about it, it says this. "God gives us richly all things to enjoy." God is no cosmic killjoy. God is not some browbeating kind of ogre who wants everybody in pain and misery. "God gives us richly all things to enjoy." So God, the possessor of all monies, is willing to grant some to us. You take Job, Abraham, Isaac, Jacob, they were all extremely wealthy men. God prospered. Even Israel was rich. In Isaiah 2:7, the Bible says, "Their land is full of silver and gold. Neither is there any end of their treasures."
So God has designed to grant that power to gain wealth to men. In Deuteronomy 8:17, it says, "Thou shalt remember the Lord thy God, for it is He that giveth thee power to get wealth." Now, as we examine Scripture, we find, first of all, that nowhere is money condemned. And if you were to go to Acts chapter 2, and I'll ask you to do that. Lemme show you something. Acts 2:45...says this...and it's speaking of the early church, the church in Jerusalem just at the time of Pentecost, "And sold their possessions and goods and parted them to all men, as every man had need." Now people take this to...to be a sort of Christian communism, but that's because they really don't understand the...the Greek tense. The verb "sold" and the verb "parted" are both in the imperfect tense. The imperfect tense is a continuous action. It should read this way, "And were selling their possessions and goods and were parting them to all men as every man had need." It does not say that all at once they sold and all at once they parted. It simply says that all the believers were selling their goods and giving the money to those who had need as the needs arose.
You see, it was a...it was a picture of giving, a picture of self-sacrifice for the need of another, not a pooling everything in a kind of communism. And the verbs make that in...implicit with hardly any necessity for any deeper kind of exposition. They were all selling and parting as men had need. It's simply the principle of giving, not the principle of communism. The Bible nowhere advocates that all monies be put into a common pot and doled out by some hierarchy.
The same thing appears in Acts 4:34, "Neither was there any among them that lacked...why?...for as many as were possessors of lands or houses were selling them, and were bringing the prices of the things that were sold and laid them down at the apostles' feet. And distribution was made unto every man according as he had need." So when a person had a need, somebody was willing to sell something, get the money, and go meet that man's need. That's all it was advocating in the...that's really, incidentally, another thing you keep in mind is that the only place that ever really happened, Biblically, was in the church in Jerusalem...
Now, so the Bible does not forbid money belonging to men. In fact, the Bible says all money is God's and God actually desires men to gain it. God wants to bless men with a certain amount of wealth...Now lemme go a step further. There are, in the Bible, certain Biblical principles, now watch this, that are designed to increase a man's money. Now, hang onto that one. There are Biblical principles designed to help you gain wealth. Now, when I use wealth, I mean as opposed to nothing. Something as opposed to nothing. I'm not talking about being a rich man. I'm just talking about the term wealth as it's used biblically, that is, having something as opposed to nothing.
Now, there are some Biblical principles in order that a man might gain a measure of wealth. You say, "What are they?" All right, we're gonna go through them, and I'll give you three at least. One, you ready for this? Work...work...Proverbs 14:23 says, "In all labor there is profit, but more talk leads only to poverty." Boy, that is practical..."In all labor there is profit, but more talk leads only to poverty." Proverbs 14:23. God had designed that labor issue in a measure of wealth and prosperity. God has given us work in order that we might gain.
Now, in 2 Thessalonians 3:10, there's a very practical principle. "For even when we were with you, this we commanded you: that if any would not work, neither should he...what?... eat."...I heard one guy say, "It's a good thing I'm not in charge of the Welfare Department, or there'd be an awful lotta people sweeping streets and cleaning windows and doing everything." And you know what? A man needs that for his own self-respect. Believe me, he does. "If any would not word, neither should he eat. For we hear...says Paul...that there are some who walk among you disorderly, working not at all, but are busybodies."...Work is a practical principle.
You know, there's a great illustration in the Old Testament of...of hard work. And if you can look up to an ant, here it comes. "Go to the ant, thou lazy man. Consider her ways, and be wise. Which having no guide, overseer, or ruler, provides her food in the summer and gathers her food in the harvest." You lazy people, check the ant out. Doesn't have any kind of employer, just does the job. Gathers food in the summer, stores it away, prepared for the winter. Proverbs chapter 20 verse 4 says, "Listen, if you won't plow in the cold, you won't eat at the harvest."...Practical. Now, work is a Biblical doctrine. We don't preach a lot about it, but it's a Biblical doctrine. In chapter 5 verse 8 of 1 Timothy, it says, "If any provide not for his own, and especially for those of his own house, he hath denied the faith and is worse than an unbeliever or an infidel." Work is designed by God to bring you profit. God wants you to have money, because God knows that you have to have it to exist.
All right, there's a second principle in the Scripture. Not only work. Two, save. Save. There's a very, very poignant statement in Proverbs 21:20. Listen. "There is precious treasure and oil in the house of the wise, but a foolish man swallows it up." You know what a wise man does? He sets aside some of his treasure and some of his oil...for the unexpected. Do you know what the fool does? He swallows it all up.
You know, the Living Bible has a very good translation of that. It says, "The wise man saves for the future. The foolish man spends whatever he gets."...Save. Now, that's Scripture. You know, one good way to thing of saving is this. All...and...and this is something God is really teaching me in my own life, is always operate on a margin. Always operate on a margin. If you don't, then you're presuming on the grace of God. You're actually presuming on the grace of God hoping He'll meet your need. Well, you got out and you overdo it and buy some, you know, like one guy said, instead of buying a...a nice little transportation car, you've gotta buy a Belchfire 8. You know, and so you go out and you buy that thing. You say, "Well, God will provide." Now, wait a minute. Probably, as one fellow said, "A pound of grease and a bicycle will get you to the same place the Belchfire 8'll get ya."...
You see, you have to be careful that you're not presuming on God, extending yourself to the place where there's no margin left. And so if the crisis comes, you've gotta presume on God to provide for your foolishness. David said, "Keep back thy servant from...what kind of sins?...presumptuous sins." Those kind of sins that are illustrated in Matthew chapter 4 when Satan took Jesus to the pinnacle of the temple and said, "Cast Yourself down, and then God will have to save You." And Jesus said, "It is written, 'Thou shalt not tempt the Lord thy God.'" Don't put yourself in a situation that you've gotten into by your foolishness, and then demand that God extricate you. That's presumption. That's sin...
So operate on a margin. I mean just as a hypothetical illustration, imagine a couple, and I'm not thinking of any couple, just in general, this is an illustration. A couple that didn't operate on a margin, and as so many couples did, they followed the great American way. You know what the great American way is? It's this. You buy the things you don't need with the money you don't have from the people you don't even like. And so they get themselves in a situation where they are overextended. They have more obligations than they do income. And let's say, along the way, they've taken under their wing the support of the local church and some, perhaps some friends who've gone to the mission field. What happens?
Well, pretty soon, they find they can't meet that missionary's need. And pretty soon they can't give to the local ministry what God has designed in their own life for them to give. And then maybe they get to the place where they face bankruptcy. The loss of the car, the loss of the house, the loss of the job, and the loss of the testimony. And now they are limited as to what they can do for God, because they are having to pay for their foolishness with every dime they get...If God ever came to them and called them away to some mission field, they couldn't go. They couldn't go...
God wants every Christian to have money. Listen to this. In fact, He wants you to have more money than you need. Did you hear that? Because God's principle in Scripture is spend some and what? Save. God wants you to have more money than you need...That's important.
Lemme give you a third principle of Scripture. Work, save, three, plan. Plan. You know, some people plan their...their budget like this. "Oh, well, it'll all work out in the end."...That's sort of like pan-millennialism. It'll all turn out in the end, you know...
Now, what you do mean by plan? Well, plan may mean for you a budget, maybe more sophisticated or less sophisticated. But I'll tell you one thing planning means. It's a priority list, doesn't it? Planning. Keep records so you know where you are. You know whose money you're handling? Whose money? It's God's money. You say, "Oh, but I give Him His money, His tenth." Now, wait a minute. Wait a minute. Tenth of that money you have isn't His. I don't even believe in tithing, so that isn't totally irrelevant. How much of it is His? All of it is His. You wanna know something interesting? If I got a job with a corporation and handled their money like I handle God's money, I'd be in jail for embezzlement. That's right...
Boy, the Lord has really spoken to me about this. That's true. If I was working for a corporation, they'd have me in prison for misuse of funds. Thank the Lord for grace. But it's all His money. You say, "Well, where do you get this idea about keeping records?" Listen to this. Proverbs 27:23 and 24. Don't bother to look it up, just listen. Proverbs 27:23 and 24. Write it down if you need it. "Know well the condition of your flocks, and pay attention to your herds, for riches are not forever." Boy, is that good advice? You oughta know how many flocks you have. You oughta know what condition they're in, because your money's not gonna last forever, and you need to know where you are at all times.
Listen to this one, Proverbs 24:3 and 4. Proverbs 24:3 and 4. And this is, again, the Living Bible, which normally I don't prefer, but in this case has a very accurate paraphrase. "Any enterprise is built by wise planning, becomes strong through commonsense, and profits wonderfully by keeping abreast of the facts." That's Proverbs 24:3 and 4. Any successful venture is one where you keep abreast of the facts. That's basic. So you not only work, but you save.
And then you plan. In...addition to this, lemme give you a couple passages. Romans 13:8, "Owe no man...what?...anything but to love one another." The only debt you... you oughta have is love. Just, you can't ever unload that one. Just keep paying, paying, paying love. Just don't get in any other debt. "Owe no man anything." You know what happens when you owe somebody something? Now, I'm not talking about when you're making your payment on your house, and you're making it faithfully, and...I'm talking about when you're overdue, when you're owing money, when you can't pay it, when you're overextended. Listen to this. Proverbs 22 verse 7. "The borrower is servant to the lender." Did you hear that? You become the slave of that man to whom you owe something. And I'll tell you something. When you become the slave to some financial situation...you violate a Biblical principle. Listen to it, 1 Corinthians 7:23, "You are bought with a price; be not ye the servants or slaves of man." A Christian should always be free enough to respond to whatever God wants him to do at any moment. You know what we need to have in this world? Here's a good phrase. We need to have pilgrim mentality. A pilgrim mentality.
Well, God has some other principles that are very interesting. One other one in Scripture that appears and just really interests me is don't become a loan company. You know, if you've got...well, there are exceptions. If you've got some guy who just bugs you to death. He bothers you incessantly, you know the best thing to do to get rid of him? Loan him money. You'll probably never see him again. And in some cases, you may figure it's worth the investment.
You say, "Well, what about if a person comes to me and says, 'I have...I...I have need here. I want some money, because I wanna get that.'" And you say, "Well, that's not a necessity." If it's not a necessity, don't loan it to him. You say, "Well, what if he comes, John, and he says it is a necessity?" Then don't loan it to him either. Give it to him. Give it to him... If any man sees his brother have need and shuts up his vows of compassion, the love of Christ isn't all that he claims it is. Right? Sure, 1 John. If he needs it, give it to him.
Give you another interesting statement. Did you know this is in Proverbs 17:18? Are you ready for this? "It is poor judgment to countersign another's note." Well, that's pretty practical. To become responsible for his debts? Well, the Bible says a lot more about it. Let's go on. The Scripture then says that there are three principles by which God has designed that you make money. Work, save, and plan carefully. And isn't it exciting that all of those things imply that God really does want us to have a certain amount of money? Not just the bare necessities, but a little margin, so that we can just be sensitive to the Spirit. And when the Spirit says, "Hey, John, there's a need over there," we could say, "Good, because I've got this margin, and I can take, and I can supply that need." Boy, that's being free to be responsive to the Spirit, isn't it?
You say, "John, I'm glad to know that I have the right to possess money. That is wonderful. But I am always short....I'm so glad God wants me to have it, but He doesn't really understand my situation, because I never have enough." Listen, when you don't have enough, lemme give you a little test. One, do you need more? Need, not want, need more. Need, is it a need? Second question, is God testing my faith? Third question, did I already misuse what He gave me? Oh, that's a practical one. Fourth question, have I violated Biblical principles?
You say, "Well, what do you mean violated Biblical principles?" Well, listen, if God gives you a certain amount of money, and He knows that's enough for all your needs and margin, and He does know that, doesn't He? And you don't have enough, then maybe you violated Biblical principles. You say, "Such as?" One, here's a Biblical principle you may have violated. Stinginess. Proverbs 11:24, "There is one who scatters, yet increases all the more; and there is one who withholds what is justly due, and it results only in want."...Or maybe you violated the principle of hastiness. You got in a big hurry. Well, you know, some people get...get all excited and all energetic, and they gotta have it, they gotta have it now, see. I'll tell you, it took me a long time to get over the hump on that one. And I'm still working on it. I'm a sucker for a salesman. But you know what Proverbs 21:5 says about hastiness? "Everyone who is hasty comes surely to poverty." Boy, that's straight talk. "Everyone who is hasty comes surely to poverty." Be patient.
And you could claim a wonderful promise, Philippians 4:19, "But my God shall supply all our needs. Just be patient." There's another one. Not stinginess, lazy, hastiness. Here's another one you may have violated. Stubbornness. You're just gonna go out and do what you want with your money...Proverbs 13:8 has a verse that's very, very good. Says this, "Poverty and shame will come to him who neglects instruction." "Poverty and shame will come to him who neglects instruction," or the word discipline. Stubbornness. There's another word. Laziness. Maybe you don't have any money because you are lazy, and you're not earning enough. Say, "Where, is that in the Bible?" Lots of places. Lemme give you one. Proverbs 20:13, "Do not love sleep."... Listen to the next statement. "Lest you become poor. Open your eyes, and you will be satisfied with food." Get up. That's half the battle...You know, there's a great statement in Proverbs 23:21. You know what it says? It says, "Drowsiness will clothe a man with rags." "Drowsiness will clothe a man with rags." Now, maybe you violated the principle of laziness.
There's another one, indulgence. If you don't have enough money, maybe you've been indulgent. Proverbs 23:21 says, "For the heavy drinker and the glutton will come to poverty." "The heavy drinker and the glutton will come to poverty." A last one. Another Biblical principle that can be destructive is craftiness. Proverbs 28:19, "He who tills his land will have plenty of food." Hardworking people do well, "But he who follows empty pursuits...ohhhhh, he who buys a pig in a poke or he who pulls off some shady deal...will have poverty in plenty. A faithful, trustworthy man will abound with blessings."
I heard a man say the other day that most con men, he felt, if they were honest, would make ten times more than they make being dishonest, because they're sharp...Listen, God wants you to have money. He wants you to have enough to live and have all your needs, and He wants to give you more than that, so you'll have a margin to be available to the Holy Spirit. Isn't that exciting? And if you don't have enough, then you need to backtrack and find out what's wrong. You have violated a scriptural principle, or maybe you've already misused what God gave you, or maybe the facts are you don't even need it at all. It's just something you want, or maybe God is bringing you through a time of tightness to test your faith.
So then we see, first of all, the right to possess money. Second, point, the way to regard money. You say, "Well, now that I have it, how do I look at it?" Well, money can be a great blessing, and the key to it is what you think of it. That's right. You always hear people say, "Well, if I had a million dollars, I'd..." No, you wouldn't. No, no, the question is not what you'd do with a million. The question is what are you doing with the ten in your pocket?...That's the question. That's the question.
You say, "Well, if I had...I would support a missionary. I would do, oh, if I..." No, no, no. What are you doing with the ten in your pocket? Or the dollar?...No, Ecclesiastes 5:10 and 11, listen to this. "He who loves money will not be satisfied with money...When good things increase, those who consume them increase." The more you have, the more stores you go to, the more you buy. "So what is the advantage to their owners except to look at it?" Isn't that something? One translation says, "The only advantage in having money is to watch it slip through your fingers. The more you have, the more it goes." No, it is not a question of having more and doing more with it. It is just a question of what you're doing with what you have...
Listen, rich people have more problems. Well, how do we regard money? Well, lemme tell you the wrong way to regard it, and that is to love it. For the Apostle Paul said in 1 Timothy 6:10, "The love of money is a root of all kinds of evil." And lemme tell you something. Doesn't say money's the root of all evil. You hear that all the time. "Money's the root of all evil." No, no, no. It says the...love of money. And you can have a lot of it and not love it, and you can have none of it and love it. It's the love of money, not money. Money is amoral.
Now, watch, beloved. Then it is a question of attitude, isn't it? It is question of attitude. What your attitude is toward your money. You know, we...money is such a powerful thing in our lives. We deal with it all the time. Do you realize that you never are, you know, in normal circumstances, without money. It's always a part of your life. Every time you turn around, you're dealing with it. How important it is that you have the right attitude toward it.
Look with me, for a minute, at 1 Timothy chapter 6, and let's just pick up a few thoughts there that are so very important. Verse 6, I...I think this is basic, talking about attitude. "But godliness with contentment is great gain." Godliness and contentment go together. Boy, when you're happy with what you have, that really goes together with being a godly person. "For...in verse 7...you brought nothing into the world, and it's certain you're not gonna carry anything out. So having food and raiment, you oughta be content."...
Some people love money. Hebrews 13:5 says, "Be content with such things as you have." Verse 9, now, if you love money, you're gonna find it's bring all kinds of problems. Verse 9 says, "They that will be rich."...that's tantamount to loving money. Boy, they're gonna get rich one way or another. And I've even heard people say, "Well, I'm gonna get...I'm gonna make a million, so I can give it to the Lord." Don't make a million for the Lord. The Lord's not poor. He doesn't need your million...And don't cloak your own desire to be a rich man in that kind of a guise.
The Bible says, "Seek ye first the Kingdom of God and His righteousness, and then you let the Lord worry about whether He gives you a million." Set your heart out to be honest and do your best, and then if God rewards you with a million, you've done it right...But he says here, "But they that will be rich," in other words, the man who pursues riches, "fall into temptation and a snare, and the many foolish and hurtful lusts which drown men in destruction and loss." Perdition means loss...When a person loves money, he's useless to God. That's right. He is useless to God.
Jesus put it simply this way, you ready for this? "You can't serve God and mammon." You know what mammon is? Money. "You can't serve God and money." For money, Achan brought defeat on Israel's army and death to himself and his family. For money, Delilah betrayed Sampson and ultimately slaughtered thousands. For money, Ananias and Sapphira became the first hypocrites in the church, and God executed them as a testimony against their misuse of money and their deceit. For money, Judas sold Jesus...
Not very good company for money lovers...What does loving money lead people to? Lemme give you some things here. Just if you wanna jot 'em down, jot 'em down. Loving money leads people to, one, forget God. To forget God...You know, there's an interesting part of the Proverbs. The Proverbs were written by Solomon, as you know, but the 30th chapter of Proverbs was written by a man named Agur, A G U R. And Agur watched Solomon, and Solomon was loaded. I mean he was rich beyond belief. And he got trapped in this riches things, and he...he wanted more and more, so he kept marrying these foreign wives, you know, to bring in more treasure and more treasure and more treasure. And he brought Israel into idolatry and fouled up everything and ruined his life. And...and Agur looked at him, and he watched him. And this is what he said, Proverbs 30 verses 8-9, he says, "God, give me neither poverty nor riches; feed me with the food that is my portion, just a balance...why?...lest I be full...In other words, if I'm rich...and deny Thee and say, 'Who is the Lord??'" Agur says, "Don't give me too much. I'll tend to deny You. I'll become totally self-sufficient." Then he says, "Don't give me too little, or lest I'll be in want, and I'll steal and profane Your name. Just my portion, that's all."
Love of money can lead us to forget God. Secondly, it can lead us to stop trusting God. You know, one of the great dangers in having money is you begin to trust in it, right? You say, "Everything's great in my life. I've got my bank account built up." Hum, wait a minute. "Oh, I'm not worried about anything happening." Why? "Well, I've got money for a rainy day." Now, wait a minute. Now, wait a minute...Is that what it's all about?...Trust in the Lord...Money can cause us to stop trusting God. Job 31:34 and 38, listen to this. Listen. "If I have put my trust in money, if my happiness depends on wealth, it would mean that I deny the God of Heaven...If I depend on my money, then I've denied God." Listen to Proverbs 11:28. "Trust in your money, and you shall fall." One translation says, "Trust in your money, and down you go." The rest of the verse says, "Trust in the Lord, and you'll flourish like a tree."...
You read in 1 Timothy 6, look at verse 17. "Charge them that are rich in this age, that they be not high-minded, nor trust in uncertain riches, but in...whom?...the living God." You know, we need to speak to rich people. And, you know, something in...listen, this is practical. Do you know that in reference to the rest of the world, every single human being in this room tonight is rich? Do you know that? You are rich. There are some people in the world who couldn't even dream of earning in a year what you earn in a week..."Charge them that are rich." That's us. Don't be proud. Think you're big stuff 'cause you have money. Flaunt your riches. "Don't trust in your riches, but in the living God who gives us richly all things to enjoy." Boy, if you've got it, He gave it to you. Don't you forget Him for it...
And, incidentally, verse 18, he says, "That they do good, that they be rich in good works, ready to distribute, willing to share." This is kind of interesting, that the more money people have, the less money they're willing to part with...The thing they oughta do is, "Lay up in store for themselves a good foundation against the time to come, that they may hold on eternal life." They oughta start looking toward eternal values.
Well, a third thing, the love of money can cause us not only to forget God and stop trusting God, but to be deceived...When we love money, Satan really uses that to deceive us...You know, in the parable of the sower of seed in Mark 4:19, listen to what it says...and...and this was sown, incidentally, the seed was sown among thorns. Remember, this...the Word was sown among thorns? He said, "In the cares of this age, and the deceitfulness of riches, and the lusts of other things entering in, choke the Word."...Boy, Satan can be so deceiving. We think we have money. We think we have everything.
Fourth, the love of money can bring a man or a woman to the place where he actually compromises...Biblical...instruction. Have you ever thought about your price? What is your price? You ever thought about that? What will you sell out for? It's been said every man has his price...I pray God that isn't so in my life. I pray it isn't in yours...
Somebody said when money speaks, the truth is silent...Lemme give you an illustration. Some people would sell out for position. There are some people on the job who, if they could get a promotion, would lie, and they're Christians. Do you believe that? Sure. Some people would sell out for popularity. Some people mute the testimony of Jesus, so they won't be unpopular. That's selling out. What's your price? Have you ever analyzed it? Because, listen, beloved, whatever your price is, be sure, Satan's gonna get there, and he's gonna make you an offer at that price. So be ready. Some people would sell out for intellectualism. Some people would sell out for the body beautiful. Some people would sell out for golf or hunting, for a new car. What's your price?
Lemme give you a very vivid story. There was a very fancy banquet, very high-class hotel in New York. There was a noted author there, very famous. Sat next to a very beautiful and gracious woman, and he was just struck by her beauty. And as they sat through the meal and talked, he finally asked her a very interesting question. He looked at her, and he said, "Would you spend the night with me for $100,000?" She blushed. She looked embarrassed. Her head kind of dropped, and she looked down, and...finally she quietly turned to him and...and said, "Yes."... He said, "Would you for $10?" She said, "What do you think I am?" He said, "We've already established that. We're now working on the price."...
You get the message?...It isn't the price that's the issue. It's what are you. I hope you don't have a price. I hope you don't compromise Biblical principles to make a sale. That's sin. I hope you can't be bought. I hope you don't compromise the testimony of Jesus Christ to gain a promotion. You're selling out for the love of money. I hope you don't have a price. I hope you are priceless.
You say, "Well, John, what is the point at which I sell out?" It's this. It's when Matthew 6:33 stops operating. You say, "What's 6:33 say?" "Seek ye first the Kingdom of God and His righteousness, and all these things shall be added." When you start seeking something besides the Kingdom and the righteousness of God, you have sold out...Be honest, honest as honest can be in every single way possible...
Lemme give you another thought. Loving money can lead you not only to forget God, stop trusting God, be deceived, and sell out, but it can lead you to rest on unstable foundations. You start trusting money, boy, and you are trusting something that just passes fast. Some people have had that experience lately for loss of money. Proverbs 23:4 and 5, listen to this. "Do not weary yourself to gain riches...leave from consideration of that...listen...When you set your eyes on it, it's gone. For wealth certainly makes itself wings. Like an eagle, it flies toward the heaven." Well, don't put your stock in...in money. Don't put all of your foundations in the passing.
Well, loving money can do other things. It can make us ungrateful. It can. Deuteronomy 18, he says, "Hey, hey...God says...I made you rich. Have you forgotten Me?" Deuteronomy 18:12 to 14, "You forgot Me. I'm the One." Love of money can make you proud. Listen to Proverbs 28:11. "Rich men are conceited."...That's to the point...Can make you proud. Oh, Jeremiah 12:2 is a tremendous statement. "Thou hast planted them...says to God...You planted them. They have taken root; they grow. They've even produced fruit. And Thou art near to their lips. With their mouth, they say, "Thank You, God. Thank You, God." But far from their minds." Hypocrisy. "Oh, thank You, God, for what You've given." But in their minds, God isn't at all in their thoughts. Love of money can cause you to be proud.
Something else. Love of money can cause you to rob God. It can cause you rob God. You know, when you love the money, and you want it for yourself, you know what you do? You steal from God. In Malachi 3:8 says this. "Will a man rob God?" "Oh," you say, "I'd never do that. Ohhhhh, I'd never steal anything from God. How would I ever get into His treasure house?" You wanna know something? Look in your pocket. That's His treasure house if you're a Christian. "Will a man rob God? You've robbed Me." "How did we rob You, God?" "In tithes and offerings. You kept back what was Mine."
Yeah, when you love money, you rob God. You know something else? When you love money, you usually rob others, too. You say, "What do you mean by that?" First John 3:17, "Whosoever hath this world's goods and sees his brother have need and shuts up his compassion from him, how dwelleth the love of God in him?" You rob your brother. So you see, the whole issue with money is attitude. And the wrong attitude is to love it...The right attitude is this. It is God's, all of it, and I am a steward of every penny. And every dime should go for His glory.
I wanna close with the third point, the way to use money. You say, "John, that's kind of a negative thing. Now, what do I do with my money? Give me some thoughts on that." Well, I've showed you some things. First of all, you give it to others who have need, and you save it, have that margin to use for the Holy Spirit's calling when He shows you a need, and you can supply. You know, we've seen that here in our church in some exciting times and somebody'd say, "I have a special need," a missionary would say, you know, "We have a need for a thousand dollars," or something, and I'd mention it from the pulpit. Before the night was over, a half an hour later, I'd have a thousand dollars in my hand, and...and I've seen some...how God has used people who operate on a margin. So there are things we have said.
But lemme, thirdly, give you some thoughts on the way to use money. First of all, recognize it's a stewardship. First Corinthians 4:2, "Moreover, brethren, it is required of stewards that a man be found trustworthy."...You stop to think about it, during your lifetime, God entrusts an awful lot of money to you. If you started earning about $15,000 when you were 20 and earned it till you were 60, you've earned a lotta money. What's that? Over a half a million dollars? I wonder if you could look back on your half a million dollars and say, "You know, all half a million dollars...was used purposefully. Oh, not all directly for the Lord's work, but purposefully, to meet my needs, to be available to the Spirit." Wouldn't that be great? I wish I could recover some money. Don't you? Boy, I wish I could...
There's a principle behind that. It's this principle, 2 Corinthians 8:5. Paul said regarding those Christians in Macedonia, listen to what he said. "They first gave their own selves to the Lord." That's where it all begins. You give yourself to the Lord, He'll take care of the rest...Now, of course, the Lord does want you to give to those in need. To your brother and sister in need. He wants you to give to the work of Jesus Christ. And you oughta invest your dollars for God where God's gonna get the best return, and you oughta be careful where you put it.
But lemme add this thought. Listen. Giving is not God's way of raising money. You ready for this? Giving is God's way of raising children. God doesn't need your money. But every time you give sacrificially, you give a little of your selfishness away, and that's good. That's good. And when you give, others are blessed. God is praised, and you get prayed for. That's all in 2 Corinthians 9. Say, "John, where should I give it? The part that I'm going to give, other than my needs and the margin I keep and...and the things that I have in this world that God provides for me. Where do I give it?" Well, the Bible talks about...giving to the church. You know, in Acts chapter 4, the Bible says that "They came and they laid their money at the apostles' feet, and the apostles then gave it to those in need." Ever since the formation of the church, the money of the believers was designed to come into the church, and the church leaders would then, in turn, invest it in eternity, as they saw they need best.
Now, that doesn't mean you're not to supply another's need without going through the church. Of course, you are. You're to supply the need when it arises, but, also, and seemingly the dominant thing in the early church was to bring it to the church and they would give it. And I think that's basic. We should really be sensitive to what God is doing in our local church, in the mission field. You may wanna give your money directly to missions. That's great. Wherever determine where is God is gonna get the best return and give it. But one of the areas is in the church, and this is important.
In...in Acts 11:27, it says, "In these days came profits from Jerusalem to Antioch. There stood up one of them, Agabus, signified by the Spirit that there should be great famine throughout all the world. Then the disciples, every many according to his ability, determined to send relief unto the brethren who dwelt in Judea, which they did." And here was sensitivity to need. They heard about a need, and they had a margin, and they said, "Here, we'll all give according to our own ability."...Sensitive to needs.
From time to time, you'll hear of a need, a missionary. You'll hear of a need, a brother in this church, maybe, who's having need in his own life, and you wanna go and supply his need. Maybe you see a neighbor who has a need, supply his need. Whatever. Maybe we'll announce a need here in a certain area, and you'll see, you'll respond to that. Giving should be in response to need. It should also be in response to God's command, which is not specifically directed at need, but at systematic, purposeful giving.
For example, it says in 2 Corinthians 9:7, "Every man according as he purposes in his heart, so let him give." In other words, between you and God, you need to determine what you're going to give. You say, "Well, how do I do it?" First Corinthians 16:2, "On first day of the week, lay by in store as the Lord has prospered." In other words, bring it and give it to those in responsibility in the church, and they will invest it for eternity...
And so you're giving is to be, yes, in response to need, yes, also, systematically, purposely, weekly, in giving it to the church to be spent as they, under the Spirit's direction, see fit. And lemme add this. Your giving should be sacrificial. People always say, "John, how much should I give?" I don't know how much you should give. That's between you and God. I'll give you a hint. Zacchaeus, when he was saved, gave 50 percent for a starter....Hmmmmm. I don't think that's the norm. But I'll tell you one thing. It sure shoots the 10 percent theory. I do not believe you'll find tithing taught in the New Testament. Every time the New Testament has an opportunity where it could interject the 10 percent, it makes sure it never does...because this isn't law. This is what? Grace.
Besides, if you check the Old Testament tithing carefully, it's at least 23 percent a year and up...not 10...Now when you give, then, it should be in response to need, but it should also be purposefully, and systematically. Both of those are important. Both are very important. And it should be sacrificial. David said, and I just love this, and this goes through my mind all the time. "I will not give the Lord that which costs me nothing." "I will not give the Lord that which costs me nothing."...
Then your giving should also be secret and humble. Matthew 6, all the Pharisees, they like to go down and say, "I'm giving this much." You know, and put their big figure up on a board. He says, "Just be quiet, subdued, and humble, and let it between you and God." That's the Spirit. That's the way to give. "Take heed that you do not your alms before men to be seen by them. Otherwise, you have no reward of your Father who is in Heaven." If you give for the sake of men, that's it. Boy, you get their praise and not God's. "When you do your alms, don't sound a trumpet." And you imagine, "Dah-dah-dah, here he comes. I'm giving. See." Gee, as the hypocrites in the synagogues and in the streets, that they may have glory from men.
But when you do your alms, don't even let your left hand know what your right hand's doing. In other words, make it a secret, and he illustrates it by a hyperbole. "Don't even let one hand know what the other's doing." That's how secret it oughta be. "Then your alms will be in secret, and your...and your Father, who sees in secret, will reward you openly." I like that. I like that.
Lemme close with this. And I thank you for your patience... I'm gonna say something that I think is important. Proper handling of your finances is the key to...watch it...fruit spiritually in your life. Are you ready for this? Luke 16:10, look at it with me, and this is a closing. Luke 16:10. Oh, this is really powerful...Luke 16:10, and this is Jesus..."He that is faithful in that which is least, is faithful also in much; and he that is unjust in the least, is unjust also in the much."
Listen, if you don't handle your ten right, you wouldn't handle the million right. Is that right? Now, listen to the next verse. "If, therefore, you have not been faithful in the unrighteous money...listen...if you haven't handled your money right...who will commit to your trust true riches?" Did you hear that? Some people say, "I don't know why I don't have a ministry. I don't know why I don't see so much fruit in my life." Listen, "If you aren't faithful with money," Jesus said, "do you think I'm gonna commit to you souls?"
Look at verse 12. "If you have not been faithful in that which is another man's, if you haven't been faithful with God's money as a steward, who is gonna give you that which is your own?" You think if you haven't been faithful to minister God's, that God's gonna give you your own ministry?...Do you know that there are an awful lot of men out of the pastorate today and out of the ministry for the simple and only reason they couldn't handle money, and God would never commit souls unto them. And I could stand here and give you names of some of them that I love...That's right. If you don't handle finances correctly, God'll never commit unto you a ministry. He won't trust you with it...
God, help us to be faithful stewards. Amen. Let's pray. Father, we just have tried tonight to...to speak with conviction and to lay out some things that are important. God, whatever comes in the world, however it all goes, and whatever happens to be the wind at any moment, and all of the economic problems we're having. Father, help us to look past all of that and just really stay with the Scriptural principles. Help us to always have our money...available for You. To take no thought for the future, but to be willing to spend and be spent in the moment for You. Father, help us to be stewards, not embezzlers of Your money, in order that, when we are faithful in the unrighteous money, money that doesn't even have anything to do with righteousness, that You would commit unto us real riches...souls, a real ministry, fruit. And, Lord, that since we've been faithful over little, You'd make us lord over much. This we pray in the name of our blessed Christ. Amen.
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How to treat / Cure Acne Problem?
Skin-Saving Change No. 1: Get More ZZZs
Skin-Saving Change No. 1: Get More ZZZs
According to a study in Sleep, the risk of psychological stress increases by 14% for every hour of sleep you lose a night. So what does this have to do with acne? "Stress increases glucocorticoid production, which can lead to abnormalities in skin structure and function, exacerbating conditions like acne," says Sonia Badreshia-Bansal, a dermatologist in Danville, Calif.
To get your beauty sleep, crank your thermostat down to between 65 and 72 degrees Fahrenheit. French researchers found that a cooler body temperature makes it easier to fall asleep after you've hit the sack.
|Image source Google
Skin-Saving Change No. 2: Go Easy on the Sugar
Certain foods cause blood glucose to rise rapidly, triggering a boost in insulin and resulting in inflammation on a cellular level, says Badreshia-Bansal. Excess levels of insulin in the bloodstream trigger a hormonal cascade and endocrine response that can lead to the growth of pore-clogging cells, as well as overactive oil gland activity.
A study published in the American Journal of Nutrition found that people who consumed a low-glycemic diet, which included more whole grains, beans, and vegetables, and limited white pasta, rice, bread, and sugar, had fewer breakouts.
Skin-Saving Change No. 3: Hit the Mat
Exercise not only whittles the waistline, but it also reduces stress (which has been found to contribute to the production of acne lesions), regulates your hormone levels, increases circulation that delivers more oxygen to skin cells and carries cellular wastes away, and boosts your immune system. But there's a fine line -- sweat from exercise can also lead to breakouts via skin irritation. It is very important to remove any perspiration-trapping garments like sports bras, and to shower immediately after working out.
Skin-Saving Change No. 4: Sip H2O
Upping your water intake is a great way to flush out internal toxins and hydrate your skin from the inside out. Though there is no definitive research that shows toxins lead to breakouts, researchers at the University of Missouri-Columbia found that having about 2 cups of water significantly boosted blood flow throughout the body and skin.
Your body needs to neutralize and get rid of waste materials produced during metabolism. When the immune system weakens, the body finds itself unable to fight toxic substances alone. This raises the levels of toxins and ultimately, the inner detoxification system gets weak, and you have more breakouts.
Skin-Saving Change No. 5: Say 'Yes' to SPF
You may be apprehensive about slathering SPF on your face because you've noticed that after a day in the sun (after getting "sun-kissed) your complexion looks clear and breakout-free. But you're playing with fire on all fronts. The sun dries out skin, hence the less-oily/pimpled complexion. And if you get burned, the inflammation aggravates acne lesions and pores, potentially leading to worsening acne.
It's important to wear SPF each and every time you're in the sun. Read the ingredients list on the back of your sunscreen, and if you're acne-prone, look for the lighter, non-occlusive chemical ingredients like avobenzone, oxybenzone, methoxycinnamate, or octocylene. Sunscreens containing zinc oxide or titanium oxide tend to be thicker and sometimes more likely to block pores and aggravate acne-prone skin. If you have acne, look for "noncomedogenic" on the label, which means it should not clog your skin's pores.
Skin-Saving Change No. 6: Become a Fan of Omega-3 Fatty Acids
It seems like there's no end to the benefits of omega-3 fatty acids (aka "good fats"). And here's one more for you: Omega-3s have been shown to control the production of leukotriene B4, a molecule that can increase sebum and cause inflammatory acne. To reap the benefits of the complexion-perfecting nutrient, pop a daily omega-3 supplement, or add foods like walnuts, avocados, flaxseed oil, and salmon into your diet.
Skin-Saving Change No. 7: Cleanse Twice a Day
The face has more oil-producing glands than any other parts of the body, says Carolyn Jacob, MD, a Chicago-based dermatologist. Top that with a day's worth of makeup, sweat, smog, dust, and dirt, and you're left with a pore-clogging concoction that, if not washed away regularly, will seep into and clog pores, resulting in blackheads and pimples. Even if you don't shower twice a day, it's important to cleanse your face in the morning and at night. Look for cleansers that say "noncomedogenic" on the bottle and wash your face thoroughly -- and gently -- every a.m. and p.m.
Skin-Saving Change No. 8: Exfoliate
Sure, overzealous oil glands can lead to breakouts, but so can under-performing oil glands. Dry skin has tiny cracks in which bacteria can breed, plus excessive flaking can lead to clogged pores. The fix: Gently exfoliate skin a few times a week with a scrub designed for the face, and follow up with a noncomedogenic (there's that word again) moisturizer.
Skin-Saving Change No. 9: De-Germ Your Cell Phone
Several studies have shown that cell phones are hotbeds for germs. Throughout any given day your phone can be exposed to thousands of bacteria, which spread from your fingers (via texting) to your face (via talking) and vice versa. In addition, the heat produced by your phone can aid in the multiplication of bacteria. Yuck! To keep the germs from landing on your face, wipe the surface of your phone with a little hand sanitizer each day.
Skin-Saving Change No. 10: Style Strands Strategically
Pomade acne is a common condition characterized by breakouts that are caused by hair-care products including conditioner, shampoo, gel, and hairspray. This form of acne occurs when the oils from styling products seep into skin, usually around the hairline, and trap acne-causing bacteria in pores. To combat, apply the hair products before you wash your face so that any pimple-producing residue can be washed away.
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It'll be harder to make fun of electric cars if Nissan actually build the ESFLOW concept — a two-seat, rear-wheel-drive EV. It's the car you'd get if a 370Z ravished a Leaf — and God, do we want it.
While it has the same 24 kWh battery pack as the Leaf, the ESFLOW puts it to more sporting use, driving a pair of electric motors balanced over the rear axle that can propel the concept to 60 mph in under five seconds. The smoother body and lack of rear seats also means the ESFLOW can travel about 150 miles before needing a recharge, almost a 50% improvement on the Leaf.
Nissan will unveil the concept at the Geneva auto show in March, and then quickly put it into production for a reasonable price, assuming Paris and Yokohama are still within reach of a reasonable God.


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Fortnite book rewards
+ about news discussions featured search missions tips book rewards daily rewards weapon tiers ranged weapons melee weapons traps
To get the reward(s) Epic Survivor (3) . You will need to have the total experience level of 6,993,250. You will then require 65,000 Experience to the next level.
Level: 154
Experience to Next Level: 65,000
Total Experience: 6,993,250
Fixed Reward(s): Epic Survivor (3)
Selectable Reward(s):


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Hot Roddings First 200-MPH Grocery-Getter
One of the endearing aspects of Land Speed Racing is what I like to call the Fifty-Three Factor Raymond Loweyinspired Stude coupes and sedans and the wind-cheating profiles that influenced the shape and style of two-decades worth of Bonneville closed cars.
It all began in 1955 when Belmont Beach Ball SanChezthe rather portly son of a used-car dealerremoved a 53 Studebaker post coupe from his fathers pre-owned car inventory and joined forces with Clark Cagle and Carl LeMmon to build the first door-slammer to break 200. Forty years later, Jerry, Joe, and Jeff Kugel would enter into the twilight 300-mph zone driving the familys 92 Pontiac Trans Am. Although these two entries are four decades and 100 mph apart, they share one thing in common: When each reached their respective 200 and 300 magical mile-per-hour marks they remained virtually OEM stock. In fact, the Kugels air-managed Pontiac has merely followed the tire tracks of * SanChezs new/old smoothie.
This was the car that engendered the term Slippery Stude. In 1955, 53 Studebaker post coupes were still considered new cars, but even then land speed racers were aware of the benefits of an aerodynamic shape. Its therefore reasonable to assume that the boys appreciated Studes slippery profile. They entered the car in what the SCTA called the coupe and sedan class. Rules governing body mods were pretty restrictive, but not those concerning engine setback, powerplant choice, or fuel used. So they chose to round off the headlight openings and then get with the serious stuff under the box-stock sheetmetal.
The coupe and sedan class had few chassis restrictions. Consequently, the teams first order of business was to notch the rear portion of the frame 5¼ inches over the rear axle. They then installed adjustable spring perch plates. This modification allowed the team the luxury of being able to adjust the running height of the all-Ford suspension at both the front and rear. Another trick was to turn the Halibrand quick-change centersection upside down and move the ring gear to the opposite side of the rearend housing. The idea was to add a belly pan after raising the entire drivetrain a total of 6 inches above the original floorpan.
Class rules also allowed for a maximum 25 percent engine setbackas measured from the center of the driver-side spindle to the number-one spark plug. This would improve traction by moving as much engine mass rearward as possible. So the original firewall was removed and the rear of the engine encased in a fabricated sheetmetal box.
The original engine (which would have been a flathead six or an overhead V-8) was removed and replaced by a 284-inch 41 Merc fitted with a pair of Ardun hemi heads. However, the Fords life was short-lived. After upping the C coupe record with a two-way average of 155.458 mph (with a one-way best of 167.832) in 1955, the boys dropped the 5/16 x 3/8-inch former flathead and made the switch to Chrysler Hemi power in 1956. Two years later, the renamed SanChez, Kamboor & Ansen Spl warmed the salt with a 185-mph alky run, then returned to the starting line loaded (100 percent in the tank) for bear. The heavily nitrated 454-inch Hemi responded with a 210-mph qualifier. The next day the worlds fastest passenger car began its two-way record sequence with another 210-mph down run but the short-fuse Chrysler blew on the return run.
Not content with being the first stock-bodied passenger car to break 200 mph, the Saga of the Slippery Stude would continue for another three years. In 1959, another name change occurredSanChez-Kamboor-Locastoand two new class records were set: 217 in B/Competition and 204 in B/Coupe.
However, SanChezs old smoothie lost its sleeper status in 1960 as the result of a radical race lift. First, its OEM shell was chopped, smoothed, and rounded off. Second, the army of injected, nitro-burning Hemis were fitted with front-mounted, crank-driven 6-71 GMC superchargers. The teams new Studelinerrenamed the SanChez-Krasne Hi-Matic-Kamboor Spl and driven by Joe Locastoupped the existing A/Comp record (in those days a blower advanced the racer one class) to 220 mph, some 19 mph over the existing 201 mark.
Six years after it had begun its quest to be the worlds fastest coupe, the countrys first slippery Studebaker hit a one-way high of 231 mph in 1961 and averaged 230 for a new A/Comp class record. Unfortunately that mark lasted only one year when a similarly bodied 53 Studebaker fielded by the team of Edmunds, Cagle, & Alpenfels upped the A/Comp record to 232 with a best of 237 mph. But the die had been cast. Thanks to Belmont SanChez and his various partners, the Saga of the Salts Slippery Studebakers began in 1955 when the son of a used-car dealer helped himself to the old mans stocker locker and went land speed racing.


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Dinner in Minutes
Dinner in Minutes: Mu Shu Pork Wrap with Stir-Fried Bok Choy
This is a quick take on a popular Chinese classic. It's made with sautéed pork tenderloin and shredded cabbage, which cook in just a few minutes in a hot wok. I have used whole wheat tortillas as the wrap.
Fresh bok choy is stir-fried for a few minutes as a side dish to complete the meal. I used the same wok to prepare both dishes.
This meal contains 555 calories per serving with 36 percent of calories from fat.
Fred Tasker's wine suggestion: Asian pork dishes like this go well with white wines with a little hint of sweetness. I'd try an off-dry riesling.
Helpful Hints
• Ready-to-eat shredded cabbage for coleslaw can be found in the produce section.
• Chinese cabbage (also called Napa cabbage) can be used instead of bok choy.
• Prepare all ingredients.
• Marinate pork.
• Stir-fry bok choy.
• Complete pork dish using the same wok.
3/4 pound pork tenderloin, 1 small piece fresh ginger, 1 bottle low-sodium soy sauce, 1 bottle hoisin sauce, 1 bottle sesame oil, 1 bag ready-to-eat shredded coleslaw, 1 package 8-inch whole wheat tortillas, 1 bok choy and 1 bottle unsalted dry roasted peanuts. Staples: Minced garlic, salt and black peppercorns.
Linda Gassenheimer is the author, most recently, of "Fast and Flavorful: Great Diabetes Meals from Market to Table." Her website is dinnerinminutes.com. Follow her on Twitter @lgassenheimer.


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The baby deserves a proper introduction into this world and so does the mother carrying him, and these baby shower invitations are the best way to spread the news. Those close to them are surely aware of the fact that they are going to become parents, but they still love to be properly invited to the event. Everyone rejoices, and this moment is perfect for marking the special occasion and bring family and friends much closer. Instead of worrying about where these invitations can be acquired from, parents should start the search online, because the offer is generous and there are plenty of items that will meet their expectations.
Depending on the sex of the baby, parents can choose baby shower invitations that were created for boys or girls, but regardless of gender all of them are simply adorable. When they lock their sights on such invitations, parents do not have anything else but to send them to the recipients and wait for confirmation. The latter will be thrilled and will surely look forward to congratulating the parents-to-be and will not miss the event, no matter how busy they might be.


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STARKSBORO — What began as a part of his daily routine turned out to be a life-altering experience for Regan Wedge Sr.
Wedge, now 55, was diagnosed withcancer in 2007 and will be cancer-free for five years in September. After experiencing all the emotions of a life-threatening situation, he now reflects on what he has learned through the process.
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