It’s a terrific start to the first Financial Peace University class for 2018 as we kicked off this week with the Super Saving lesson. We learned about the importance of saving money, where, when and how to save, and the wonders of compound interest. A wonderful example of saving and investing is the Ben and Arthur saving model. In here we learned how two teenagers will retire as millionaires with different fortunes based on when they started, and how much they put in.
This lesson also introduces the 7 baby steps, of which saving is baby step 1 and also baby step 3. Hu? Yes, there are two distinct savings events when you are working the Dave Ramsey principals for getting out of debt and growing wealth.
Baby Step 1 – Save $1000 for a starter emergency fund
Baby Step 2 – Run the debt snowball paying off debts smallest balance to largest balance. Details for how this works in a later blog.
Baby Step 3 – Build on the starter emergency fund by saving 3 – 6 months worth of expenses in a money market account. This is not an investment, its insurance: insurance against Mr. Murphy and family. Therefore we do not worry about earning big interest on this – it just sits there near to hand and only used for a major financial emergency.
Biblical Finance is once again being taught at the Warrenton Church of Christ starting March 11th at 2:30 in the Fellowship Hall for 9 weeks.
Yes folks we rescheduled it after a slow start to the year with the postponement of January’s class.
So if you are wondering if this course is for you, take a look at these next questions and see if you know the answers. If not, you should come walk with us to financial peace.
- How do I stop living paycheck to paycheck?
- Why do I need an emergency fund when I have good credit?
- How big an emergency fund should I have?
- Everyone has debt, so why is that a bad thing?
- Do I need life insurance?
- Which is best, whole life or term life insurance?
- How much should I save for retirement?
- Should I invest in shares or mutual funds in my retirement account?
- What’s the fastest proven way to pay off debt?
- Why should I pay off my mortgage?
These questions touch on just some of the topics we cover in the course. The cost is $109 for your membership kit. You need one membership kit per family. If you need help financially, scholarships are available – just ask. You can sign up at the church on the back table in the auditorium, send an email to the church office or email firstname.lastname@example.org. Or just show up on March the 11th and we’ll get you started.
See you there folks.
Another successful Financial Peace University class completed it’s ninth and final lesson this week.
And we are so excited for everyone who joined us and learned the Dave Ramsey Baby Steps – a framework for financial success that over the last 25 years has proven effective for countless millions of families across the United States and around the world.
We are proud to offer this course to everyone in our church family and in our community. The information this course teaches changes lives, as it has already for our dedicated Fall 2017 class members seen here above. Our thanks to each of you for making this class so much fun to lead. Your enthusiasm, questions, and support for each other was inspiring to see. We wish you every success and a speedy path to Baby Step 7.
Our thanks also goes out to our church Elders, Bill Powell and Eddie Perez for their support and participation in this endeavor: Eddie for being our Co-coordinator and making this class possible in the first place, and to Bill and his wife Fran for being with us throughout the course, offering their support, wisdom, candor, and insight during those critical small group breakout sessions.
We are already planning a January 2018 class and hope to be able to offer this course many more times in the future – God willing. Until then…
Free yourself, like a gazelle from the hand of the hunter,
like a bird from the snare of the fowler.
Proverbs 6:5 – NIV
In this week’s lesson, Bob talks about the things that we worry about: what makes us anxious. He then shows us how Jesus helps us to worry less through scripture. Reading from Matthew and Philippians, Bob gives us some wonderful scriptural tools to think about when we feel anxious about the future.
Matthew 6:25 – 27
25 “Therefore I tell you, do not worry about your life, what you will eat or drink; or about your body, what you will wear. Is not life more than food, and the body more than clothes? 26 Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? 27 Can any one of you by worrying add a single hour to your life?
Philippians 4:4 – 7 (some scripture to live by)
Rejoice in the Lord, I will say it again, Rejoice. 5 Let your gentleness be evident to all. The Lord is near. 6 Do not be anxious about anything, but in every situation, with prayer and petition, with thanksgiving, present your requests to God. 7 And the peace of God, which transcends all understanding, will guard your hearts and your minds in Christ Jesus.
Click on the read more button to listen to this wonderful message.
In this week’s sermon, Bob talks about the history off halloween and why we dress up so as not to be recognized by the spirits. However, we do want to be recognized for our other day to day costume of Christ Jesus – don’t we?
Click here to hear the Audio Podcast version of this sermon.
In this week’s lesson, Bob talks about Labor day, collaboration, and the Tabernacle (a model of which you can see to the left).
Reading from Exodus and John, Bob brings the story of the building of the Tabernacle to life: describing how the people worked together under Moses’ direction of God’s commands.
Exodus 25: Offerings for the Tabernacle
The Lord said to Moses, 2 “Tell the Israelites to bring me an offering. You are to receive the offering for me from everyone whose heart prompts them to give.3 These are the offerings you are to receive from them: gold, silver and bronze;4 blue, purple and scarlet yarn and fine linen; goat hair; 5 ram skins dyed red and another type of durable leather; acacia wood; 6 olive oil for the light; spices for the anointing oil and for the fragrant incense; 7 and onyx stones and other gems to be mounted on the ephod and breastpiece.
8 “Then have them make a sanctuary for me, and I will dwell among them. 9 Make this tabernacle and all its furnishings exactly like the pattern I will show you.
In this week’s message, Bob talks about the importance of staying focussed on the mission. Using an excellent and distdurbing example story about a lifeboat station and how people are not saved when the mission focus is lost: we learn how it is possible to drift from the original mission and at what cost.
“People need to be saved.” Bob Kolodner – 2017-08-27
Mathew 10:24 – 25
24 “The student is not above the teacher, nor a servant above his master. 25 It is enough for students to be like their teachers, and servants like their masters. If the head of the house has been called Beelzebul, how much more the members of his household!
Love the Lord Your God
6 These are the commands, decrees and laws the Lord your God directed me to teach you to observe in the land that you are crossing the Jordan to possess, 2 so that you, your children and their children after them may fear the Lord your God as long as you live by keeping all his decrees and commands that I give you, and so that you may enjoy long life. 3 Hear, Israel, and be careful to obey so that it may go well with you and that you may increase greatly in a land flowing with milk and honey, just as the Lord, the God of your ancestors, promised you.
4 Hear, O Israel: The Lord our God, the Lord is one. 5 Love the Lord your God with all your heart and with all your soul and with all your strength. 6 These commandments that I give you today are to be on your hearts. 7 Impress them on your children. Talk about them when you sit at home and when you walk along the road, when you lie down and when you get up. 8 Tie them as symbols on your hands and bind them on your foreheads. 9 Write them on the doorframes of your houses and on your gates.
Brothers and Sisters, please welcome Jon Mullican from Hope Network, a Texas based organization whose mission is to help guide churches and mentor ministers based upon assessments of a church’s mission and goals.
And it has been a most uplifting and rewarding weekend working with Jon and taking a close look at our Church. Over the last couple of days Jon has been meeting with Bob K, the Elders and members of the congregation to help us understand what are the core strength of our Church.
After today’s service [Sunday 20th August], we [the congregation] met with Jon and through a series of breakout small groups, we thought about questions Jon asked us to discuss: questions design to reveal how God works through the congregation and what are our greatest strengths. This was a well attended event and it really was a wonderful and rewarding afternoon.
The results were very up-lifting. Jon presented at the end of the meeting by asking us about the answers we discussed in the small groups. As it turns out, Warrenton Church of Christ’s greatest strengths are as follows:
- Fellowship – a strong sense of community and connectivity within the church membership
- Family / Genuine / Authenticity – an overall sense that this church really cares about its members like true family: according to Jon this is a rare and special quality.
- Pastor Bob – a huge asset to the Church, Church Family, and surrounding community as a mentor, spiritual guide, teacher, and counselor: willing to help whoever he can in whatever way he can. Amen.
- Love : Acceptance – a sincere love and acceptance of folks from all walks of life in this church – no one feels they do not belong to this family.
- Connected – a true sense of community within the membership – like real family.
- Spiritual Depth – a sense of true spiritual depth within the family, nothing superficial or fake.
Our thanks to Jon for his perspective, guidance and encouragement this weekend. Sometimes it’s important to stop, step back and ask ourselves “what’s right?”, rather than “what’s wrong?”. Jon’s visit has definitely helped us to refocus on what is good, unique and special about this church and the wonderful fellowship we share with each other through Christ Jesus. He has helped remind us that the Warrenton Church of Christ truly is fellowship, family, and love. Safe travels dear brother: your new friends here at Warrenton wish you continued success in your mission.
“What we’re going to focus on this morning is that first sermon after Jesus is raised from the dead, and that first response to the good news, on that first day when the gospel is preached” – Bob K. 2017-05-28
When the day of Pentecost came, they were all together in one place.2 Suddenly a sound like the blowing of a violent wind came from heaven and filled the whole house where they were sitting. 3 They saw what seemed to be tongues of fire that separated and came to rest on each of them. 4 All of them were filled with the Holy Spirit and began to speak in other tongues as the Spirit enabled them.
In another excellent lesson, our dear brother and Minister Bob Kolodner walks us thoughtfully and slowly through the book of Acts examining the events around Pentecost some 50 days after Jesus has been crusified and resurrected.
In an oratory rich in scripture and powerful in message, Bob reminds us the importance of studying the word of God.
“If we’re going to say ‘as You wish’ to Jesus, then this is what Jesus desires. Jesus wants transformed lives, He doesn’t want pew sitters: He doesn’t want people who are cultural Christians: He doesn’t want people who are just in it for the goodies – He wants disciples.” Bob K. 2017-05-28
Click on the Read More link to play the audio for this sermon. Don’t forget you can subscribe to this WCOC Podcast on iTunes, Soundcloud.com and on your Android and Apple devices.
Sunday May 21st – Warrenton Church of Christ celebrates the completion of our first Financial Peace University course
Above: Click on this image to download the high resolution version
Yes brothers and sisters, it was our joy and privilege to graduate the very first Financial Peace University class offered by the Warrenton Church of Christ. Seen above are our newly graduated spring class of 2017 and we are so proud of each of them. This was a nine week long course that teaches us how to manage money God’s way: and boy is that an awesome concept in today’s world. In this class we learned how to save for emergencies, eliminate debt from our lives permanently (the borrower is slave to the lender), take out the right kind of insurance to protect our families, save for our kid’s collage, build wealth for retirement and ultimately how to give generously and be an excellent steward with God’s money. As Dave Ramsey puts it, you will learn how to live like no one else, so later you can live, and give, like no one else.
On this last day we all watched one of the most powerful lessons in the course. Titled “The Great Misunderstanding”, Dave illustrates how we are but stewards of God’s money. We don’t own it, because everything belongs to God, so it’s up to us to do right with that which God entrusts us. After the class video finished, the room was silent for some moments as we all tried to absorb the powerful message Dave had just delivered. It was awesome and like this entire course – potentially life changing. We wrapped up the day with the certificate presentations, some cake and sparkling Cider. It has been a wonderful experience as we have seen the class members grow, learn, encourage each other and share their experiences and excitement for the future now that they know the path to financial peace.
We plan to offer this class again in the fall, so if you missed enrollment this time, be sure to join us for the next WCOC offering of Financial Peace University. God bless you all.