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Economics

What does a Reformed entrepreneur look like?

What is it about Reformed Christians that has so many wired to be entrepreneurs? Think about all the landscape professionals and nursery operators in Ontario, the construction companies and dairy farms in BC, and the myriad cabinet shops in southwestern Australia! Very different businesses, but every company began with the dream of an individual or team that saw a need in the marketplace for their expertise: “We can do this better than others, and we can provide for our families and employees by sharing our expertise with the public, and charging the right prices for what we do.” That concept might sound mundane to some, but it’s incredibly invigorating and challenging to an entrepreneur! But what should we as Reformed Christians look like as entrepreneurs and employers? And how can we use God’s Word to guide us as leaders in the workplace? How can we be effective witnesses for the Lord, and conscientious stewards of what He provides for us? Be willing to take on responsibility Along with the excitement of starting something new, the Christian entrepreneur will also face many hurdles and pressures. When you work for someone else, you are rarely confronted with the realities of making sure there are enough funds in the bank to make payroll, or worrying that your biggest account won’t pay their bill on time so that you can send out checks to your vendors and partners. Especially early in a company’s life, the owners have many decisions to make and can feel like they are the only one worried about whether or not their enterprise will survive. These pressures multiply when the owners hire their first employee: we have to recruit the right people with the right skills so the company can grow; we need to file reams of paperwork with multiple government agencies; we need to choose and purchase benefit packages we might never have thought about. Despite the additional pressures, entrepreneurs who have a team can be many times more effective than when they are on their own. Be ambitious Throughout the Scriptures, the Lord commands His people to be hard-working, diligent, and industrious, not so that they would become rich, but because He wants us to use for His glory the gifts He has given us. In Matthew 24, the Lord Jesus praises the work of the two servants who managed well the funds their master entrusted to them. The master is furious with the servant who just buried his treasure in the ground: “You wicked and slothful servant!” And he commands that this “worthless” man be cast into the outer darkness. We do not know specifically what the two righteous servants did with the money they received (the first “traded with them,” and the second “made two talents more,”) but we do know that they were commended for their diligence. “Well done, good and faithful servant!” While some in today’s culture may look askance at profit-making, the Bible never condemns this basic tenet of capitalism that makes a free market function. Use your growing influence to aid and not exploit As they worked hard, and aimed for a return on their investments, God’s people were also to deal righteously with their servants and laborers. In Deuteronomy 24:15, the Lord through Moses instructs landowners: “You shall not oppress a hired worker who is poor and needy, whether he is one of your brothers, or one of the sojourners who are in your land within your towns. You shall give him his wages on the same day, before the sun sets (for he is poor and counts on it), lest he cry against you to the Lord, and you be guilty of sin…” The Lord is angered when profits are made by those who mistreat or cheat their employees. In James 5, those who have “hoarded wealth” are warned that “the wages you failed to pay the workers who mowed your fields are crying out against you… The cries of the harvesters have reached the ears of the Lord Almighty.” Pay others as you would like to be paid In a recent issue of Reformed Perspective, Peter Jacobsen wrote about the negative effects of minimum wage policies – unintended consequences such as higher unemployment among the young and less skilled, and even intentionally evil consequences such as economic punishment of recent immigrants willing to work for lower wages than native-born employees. Jacobsen cited the writings of economist Thomas Sowell, a black American economist who delights in using real data to debunk “woke,” generally accepted theories about socialism, communism, racism, and more. Christian business leaders need wisdom to discern what is best for their employees, for the health of their company, and for their customers. Since we are commanded to be righteous and generous in how we treat our fellow workers, hopefully a hike in a mandated minimum wage does not have a significant impact on our businesses, since we are likely being far more generous with most of our workforce. Create opportunities for others to be fruitful Not only must we never withhold the wages earned by employees, we are also not to be so focused on profit that we leave no opportunities for others to profit from our enterprise. After instructing about paying wages on the same day as earned, Moses commands that farmers should leave enough crops in their fields for others to glean: “When you reap your harvest in your field and forget a sheaf in the field, you shall not go back to get it. It shall be for the sojourner, the fatherless, and the widow, that the Lord your God may bless you in all the work of your hands” (Deut. 24:19). King David’s great-grandmother benefited from this generosity to the poor! Are there ways that we in our modern workplaces can put in place similar policies that would help our neighbors, and our brothers and sisters? In my hometown, a local company owns and maintains a scenic, rural retreat and training center that it makes available for no cost to Christian organizations. This same company has hired a part-time chaplain to be available for their employees as they need a listening ear, and invites other local employers to avail themselves of this minister’s services. Another company nearby hires mentally disabled employees for janitorial work. Might the floors be cleaner and the windows sparkle more if a contract service were used? Possibly. But what a joy to be able to provide work and routine for those who otherwise might not have such opportunities. Seize the charitable opportunities that come with business success The principle of tithing and charitable giving also has a place in this discussion. Christians are expected to be generous with what the Lord has given. In 2 Corinthians 9, Paul reminds his readers “Whoever sows sparingly will also reap sparingly, and whoever sows generously will also reap generously.” And in 1 Corinthians 16, Paul writes “On the first day of every week, each one of you should set aside a sum of money in keeping with your income” (NIV). The phrase “in keeping with your income” (or “as he may prosper” in the ESV) is telling: business owners often enjoy seasons of prosperity beyond what a typical wage earner may experience, and should be known for their generosity to causes that benefit their church community, and their neighbors’ well being.  May the Lord continue to bless the businesses in our church communities, and give wisdom to those entrusted to run them for his glory. Marty VanDriel is the CEO of a manufacturing company in Ferndale, Washington. Comments, feedback, and also suggestions for future topics dealing with business, employment, and finance are more than welcome at [email protected]....

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Drama, Movie Reviews

Woodlawn

Drama 123 minutes / 2015 Rating: 9/10 Directors of movies about sports sometimes get carried away with their art - swelling orchestral music fills the soundtrack as mud spatters over our athletic hero, who despite his talent, is an underdog against evil, cheating opponents. Sprinkle in a few losses and some team disunity that must be overcome and you've got a pretty typical Hollywood sports movie. Woodlawn does contain a few of these clichés, but surprisingly most of them are not fantasies – they're real and historic, and form an uplifting tale that seems almost too amazing to be true. As high schools become racially integrated in Birmingham, Alabama in the early 1970s, tensions run high at predominantly white Woodlawn High School. Parents aren't happy with the coaching staff when black students earn starting positions on the football team. When Christian sports chaplain Hank Erwin asks permission to speak to the football team after a riot at the school, Coach Tandy Gerelds reluctantly agrees. He's stunned when each and every player on the team, black and white, respond to Erwin's altar call and dedicate or re-dedicate their lives to Christ. In time, the team decides that devoting their season to the Lord is more important than winning or losing, and – what do you know! – they find athletic success along the way. Directors Andrew and Jon Erwin (also known for the 2018 film I Can Only Imagine) wrote the movie about the work of their dad Hank, who later became a state senator, and who had a profound influence on the young men of Woodlawn High School and their cross town rivals. Most details in the movie, even the ones that seem too convenient or unlikely to have happened, are based on real events: Woodlawn is a morality tale with great lessons that just happens to be true. ...

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News

Calvin U's student president is openly gay

For over 100 years, Reformed Christian parents have scrimped and saved for their children to study at Calvin College (now Calvin University), praying that these students' post secondary learning would happen in an environment with Christian teachers and classmates. Many students, of course, paid their own way, including my own Uncle John VanHemert, who left Holland Marsh in Ontario to study for the ministry at this Christian Reformed (CRC) institution back in the 1960s. But much has changed at Calvin. In October, Claire Murashima announced, via an op-ed in the Calvin Chimes student newspaper, that she is the school's first openly gay student body president. "It's beyond time that the LGBTQ community is represented in the highest student leadership position at Calvin," wrote Murashima. She went on to suggest that, "Calvin's hetero-normative and relationship-focused culture can leave us feeling excluded… Not seeing anyone who loves like us makes us feel like we don't fully belong at Calvin." Miss Murashima's words are not aligned with the university's official policy. Calvin University has adopted a stance on homosexuality which states that while homosexual attraction is not in itself sinful, sexual relations have "their proper place in a marriage relationship between a man and a woman." The Bible clearly calls homosexuality sin, in both the Old and New Testament. In 1 Corinthians 6, Paul identifies homosexuals along with fornicators, idolaters, adulterers, thieves, drunkards, revilers and extortioners as those who will not inherit the Kingdom of God. In the letter of Jude verse 7, the writer reminds us that, "Sodom and Gomorrah and the surrounding cities, which likewise indulged in sexual immorality and pursued unnatural desire, serve as an example by undergoing a punishment of eternal fire." It’s worth asking then, why we would call anyone a "gay Christian"? To do so is to identify them with an adjective that describes their sinful condition. All Christians are sinful, and each of us is subject to different temptations to sin but we wouldn’t call someone a “murdering Christian,” or a “thieving Christian,” or a “fornicating Christian,” would we? In earlier generations, Calvin College took a leading role in advocating for evolution (remember Dr. Howard Van Till?) and for women in office. That infamous pedigree was referenced in the comment section for Miss Murashima’s article. One reader wrote, "Thank you Claire for your courage and leadership! It gives me hope that your example will help change the CRC official position on homosexuality. When I was at Calvin, we fought for women in leadership - which was just as heated, biblically justified, and now seems ridiculous. Hoping that Calvin and the CRC will stop being judgmental gatekeepers and instead embrace all people with open arms." How very sad it is that an institution like Calvin University, closely identified with a Reformed theologian and a Reformed church federation, has become a place of danger for Christian students....

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Documentary, Movie Reviews

The Riot and the Dance: Water

Documentary 2020 / 84 minutes RATING: 8/10 Biologist Gordon Wilson has produced another beautiful ode to God's creation. The Riot and the Dance: Water explores how gloriously the Lord has made life in the lakes, rivers, oceans and ponds of the world. Wilson's narration is at times playful, at times serious, but always joyfully awestruck at what God has made. "Water is full of death. Water is full of life. It forms another world inside our own..." "…we will enter the liquid world and we will reemerge a little bit changed, with eyes that see this creation differently, with a little more knowledge of the artist who made it all." Wilson swims with sharks, snorkels with manatees, scubas with alligators, and wades in a slimy swamp, all in the quest to chronicle life underwater. Off the coast of Oahu, he finds green sea turtles, Galapagos and sandbar sharks, moray eels, and spinner dolphins. Why do spinner dolphins spin as they playfully leap from the water? "Because it's fun. Because it's fantastic. Because it pleases God." Another leaper found off the California coast is the humpback whale, expending tremendous energy to push its massive, 60,000-pound body out of the water in a display of power and joy. While exalting the beauty of created life, Wilson also explores the horrors of death, which is such a part of our fallen world. Chum salmon by the thousands die as they flail and flop on their journey up freshwater creeks and rivers. A giant water bug captures a much larger frog, pierces its victim's skin with a sharp beak, and literally sucks the life out of its prey (yes, this scene is pretty chilling, and perhaps a bit too graphic for youngsters). The biologist also muses on what nature will be like in the next life: "We see that all of creation is going to be redeemed, and some of the greatest threats that we see in the animal kingdom... they are going to be redeemed, and they can be redeemed without becoming tame. I'm not even going to guess what it's going to be like, but it's going to be glorious!" The camera work is wonderful, the vistas and scenery are inspiring, and Wilson's thoughtful narration brings a sense of wonder and adventure. It is very refreshing to watch a nature documentary without having to ignore secular commentary on evolution and billions of years. We can heartily recommend this film to Christians of all ages… although some might wish to skip the giant water bug scene! You can check out the trailer below, or rent it for just $1 here. And be sure to check out Marty VanDriel's review of "The Riot and the Dance: Earth." ...

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Documentary, Movie Reviews

The Riot and The Dance

Documentary 2018 / 83 minutes Rating: 8/10 Biologist Gordon Wilson is excited about God's creation, and it's catching! In The Riot and the Dance, Wilson explores locations both exotic and familiar, showing us how amazingly the Lord has made his creatures in his awesome world. Nature films are most often spoiled by the Darwinian approach of their makers; we're accustomed to using the "pause" button while we remind our children and ourselves that it's God who made all the beauty we are watching, not random chance. How refreshing to hear Scripture quoted, and God's creative hand praised, in these beautifully filmed scenes. Wilson starts in ponds near his home in the northwestern US, finding the familiar in water striders dancing across the water's surface, and the less familiar in giant water bugs. He pauses in Montana for bison, in Manitoba for a snake den, and in California for comical but dangerous elephant seals. He dives across gravel paths in the Sonoran desert of Mexico, catching snakes and lizards to bring their beauty right up to the camera, and ends his world tour in Sri Lanka, marveling at elephants and water buffalo. Wilson believes Christians can and should find out more about the Creator by exploring what he made. "If we wanted to study someone like Michelangelo, we would want to study all his works, his art. The way you get to know God, you study everything He wrote, and made, His living creation, His creatures. They are not only paintings but sculptures!" Wilson does not ignore the brokenness of creation: "Life is not a basket of kittens... and there's all this death, and predator-prey relationships, and parasite hosts. But even in the midst of a fallen creation, the glories of God are still very present. Man needs redemption, and so does creation." Thus he includes some brief moments of gore – as a water buffalo is devoured by warthog and other scavengers – though there are not a lot. There is much to commend in this beautiful film. Give this one a viewing; you'll find yourself ready to dive into that field or pond, eager to explore your own corner of God's handiwork. Americans with Amazon Prime will be able to watch this there. ...

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Adult non-fiction, Book Reviews, Economics - Home Finances

Debt-proof living

The complete guide to living financially free by Mary Hunt 2014 / 311 pages As a regular reader of financial planning literature, and a fan of syndicated talk show hosts Clark Howard and Dave Ramsey, I was immediately drawn to this title when I found it in a used bookstore. I was even more interested when I flipped through the chapters and discovered that the author was a Christian, and that one of her first tools for getting out of debt was to give more to the Lord! Hmmm, I had to read more! North American society today is incredibly wealthy – even with the recent recession and long drawn-out recovery, we enjoy a standard of living that is far beyond what most of mankind has experienced for most of history. Despite our material riches, and our access to inexpensive food and amenities, many of us struggle to stay out of debt, and find ourselves living paycheck to paycheck. Author Mary Hunt found herself in this situation some years ago: in a desire to keep up with the Joneses, she and her family regularly outspent their income. As a result, they became mired in over $100,000 of what she now calls "stupid debt" – debt that financed their lifestyle, not their essentials. It took them years of dedicated effort, but the Hunts were able to budget and save their way out of debt. Along the way Mrs. Hunt discovered that many of her friends and acquaintances were in similar difficulties, and benefited from her teaching. Since that time she has written a series of books and newsletters helping people better manage their money. Tithe is vital One of the first principles the author highlights is that all of our finances belong to our Creator, and that it is our responsibility to be stewardly with what He has given us. An important way we can show this is by giving the tithe: dedicating our first fruits to Him. Even for those deepest in debt, she insists that giving the tithe (or for non Christians, giving to causes important to them) is the first step to properly managing our money. She rightly makes the point that going deeply in debt to finance one's lifestyle is an incredibly selfish way to live, and cannot be pleasing to God. The tithe recognizes that all of life belongs to the Lord. There are many keen insights in this book, and, even as a long time budgeter, I found Mrs. Hunt's prescribed methods very helpful. One example: how often have you started a budget with good intentions, and stuck with it for a period of weeks, or maybe months, and then had your carefully tracked categories thrown off when the transmission blew in the family van. The author recommends what she calls a "Freedom Fund" – a monthly savings plan that recognizes that what we might call an unusual incident can usually be planned for, because these "emergencies" regularly happen, and therefore really should be part of our budgeting plans. A simple concept, but it is explained so clearly and thoroughly, and worked with in such a systematic way that anyone who follows the plan, will greatly increase the likelihood that they will stick with it! Cash vs. credit Mrs. Hunt is also not a fan of credit cards: her contention is that most people (yes, most!) spend far more when they use credit than when they are restricted by the amount of cash in their wallet (or in their budgeting envelopes!). Even people who consider themselves careful spenders will make more buying decisions in a given month when they use credit instead of cash. Mrs. Hunt also tackles the issue of credit scores, and how one can manage one's credit in a responsible way that will lead to a better credit score, which in turn can help one to qualify for a lower mortgage or car loan rate. As I read this chapter, I recalled that other Christian financial counselors advise that you not worry about your credit score: obsessing with it can lead you to make decisions – like opening additional lines of credit or taking out loans – that might improve your score but which may actually hurt your fight to stay out of debt! (See the work of Christian author Dave Ramsey for more on this point). Other topics include warnings about debt consolidation loans, tips on how to finance your home, and an encouragement to look carefully at disability insurance as a responsible tool to provide for your family in case of injury that prevents you from being able to work. Lastly, the author looks at how to invest the money that you've saved in a stewardly way. I heartily recommend this book for anyone interested in money management for Christians: even veteran planners will find much good material to work wit...

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