Posts Tagged ‘Investment’

Missing the Point

© Ross Cochrane – Gambling with Forgiveness

Matthew 18:23-35 – HOW TO INVEST IN WHAT TRULY MATTERS – The Parable of a Rogue Trader

WORLD BREAKING NEWS: Monday.  ANOTHER ROGUE TRADER SQUANDERS MILLIONS.

Another rogue trader is back in the headlines after Compassion Bank’s Owner and Managing Director revealed that “unauthorised trading” by Michael Heartless has cost the bank millions of dollars.

The losses had surprisingly little impact on the market generally, due to Bank reserves and profits, which fortunately dwarfed the rogue trader’s activities. “This will not even touch the bank’s massive resources for the Kingdom our bank serves,” said Managing Director, J.C. Davidson, who also rules the dominion of World Kingdom Enterprises, “but it is disappointing.”

Michael Heartless had it all, authority in the banking arena, great wealth and honour. Living in a huge house, he was chauffeur driven in a magnificent limousine. He wore designer clothes and a Rolex watch. A wheeler and dealer and now an exposed ruthless rogue trader, he was the Senior Trader of Compassion Bank’s massive company.

Heartless worked his way up in the company from the position of Assistant Accountant to Senior Accountant and then Senior Trader, and was entrusted with borrowing from his employer’s Worldwide Banking Corporation to make huge business deals and investments. Traders said he expressed a love for working for his boss, as a trusted long-time employee.

After a lucrative career, Mr. Heartless began to get careless, making a series of questionable deals and fraudulent choices which inevitably lost millions of company dollars. Because he had worked in Compliance, he became adept at hiding his losses and bypassing checks.

Never thinking he would be discovered, and always thinking he could pay back the company if given time, he added to his fraud by siphoning off enough funds to keep on living his extravagant lifestyle. He bought luxury goods and property at over inflated prices, spending millions in a number of waterfront apartments. He was sure his next big deal would pay back the money he owed.

The Managing Director and owner, J C Davidson, had given his employer an incredible amount of leeway, allowing him to make choices for the good of Kingdom Enterprises. Perhaps his fraud would not have been discovered for some time except an immediate audit was underway and J.C. Davidson wanted to bring His accounts up to date with all His Banking Traders who had borrowed money from Him.

One auditor said “It was an unpayable debt. Some countries could be run on what Mr Heartless owed. His debt was so immense that at first we thought it was beyond estimation. The interest alone on such a debt would be enormous.”

The audit revealed the massive losses and fraud and Mr. Heartless was summoned to appear before the Managing Director and Auditors. Although Heartless respected J.C. Davidson, he lacked the integrity of his boss and did not want to face up to his debt. A fellow trader said, “He refused to come at first but when a limousine arrived with two rather large messengers, he knew he had no choice.”

Subsequently, J.C. Davidson exercised His sovereign authority and demanded that Heartless repay the money lost. Heartless was unable to pay the debt, so according to court transcripts, Davidson ordered everything he owned to be sold.

Heartless, along with his family members, who were co-conspirators, were ordered to be placed under an enforced work order to recover the debt. This amounted to hard labour and community service for the rest of their lives. The conviction was immediately appealed by Heartless who tried desperately to work out a deal with Davidson.

One of the auditors told our reporter that Heartless literally collapsed and begged Davidson for more time. “He was totally unrealistic. He asked for patience and he would repay the whole debt. It was laughable. At least he acknowledged that the debt was his to pay, but trying to propose some kind of time based repayment scheme was ridiculous … His mistake was thinking that he could operate and manage finance apart from being accountable to J.C.”

 

WORLD BREAKING NEWS: Tuesday. ROGUE BANKER WALKS FREE.

The world was left reeling today in hearing that the Rogue trader, Michael Heartless, walked away from paying a single cent. Bankers are questioning the way J.C. Davidson exercises His extensive sovereignty over Kingdom Enterprises.

An auditor for Kingdom Enterprises said, “What I found to be unbelievable is that J.C. Davidson had pity on him, released him and forgave his debt entirely, withdrawing all charges, and personally covered the money owed.” …

J.C. Davidson later made a statement. “You must understand that Compassion Bank is run not only on a set of legal principles of building business relationships. It is run on the invisible relationship principles of love, forgiveness and grace which cannot be legislated. Legal compliance without a heart to do what is right is fruitless. I encourage my employees to regard relationships of forgiveness and compassion with each-other as being incredibly important. The example of forgiveness I have shown to Mr. Heartless is more important than the money he owes Me. I am willing to pay the price for him.”

The banking world was astounded at the enormous debt forgiven and the apparent lack of justice and business sense. Bankers all over the world have accused Davidson of taking part in the fraud, but so far His business dealings by countless independent auditors have proved to be beyond reproach.

When Davidson was asked again why He let Heartless and his family walk free, He simply said, No amount of sacrifice on his part or enforced work programmes for his family could possibly re-pay their debt. He admitted his crime and I forgave his debt. That’s the end of the matter.” This approach would not be tolerated in normal banking practices in other countries. Heartless has refused an interview and has not been seen since his release.

 

WORLD BREAKING NEWS: Wednesday. MICHAEL HEARTLESS LIVES UP TO HIS NAME.

It seems the story of the rogue trader, Michael Heartless is far from finished. It has recently come to light that when Heartless left his boss, after being completely forgiven of his multi-million dollar debt, that he immediately went to a fellow banking trader who owed him a few thousand dollars.

Heartless lived up to his name. Despite being forgiven so great a debt himself, it was confirmed by reliable sources and witnesses that he demanded payment and assaulted his debtor.

His fellow trader owed him a tiny debt in comparison to the millions of dollars that Heartless had been forgiven. A witness said that his fellow trader, who can’t be named “… begged for a little more time to pay, but Heartless kept on demanding immediate payment and wouldn’t listen.” It is alleged that Heartless pressed charges against the man, and had him arrested and thrown into prison.

A witness said “You would think that this guy Heartless would be over the top joyful about being forgiven his unpayable debt? But no. He uses violence to demand his fellow trader to pay a tiny debt in comparison. Unbelievable!”

 

WORLD BREAKING NEWS: Thursday. MICHAEL HEARTLESS FINALLY IN JAIL.

Michael Heartless finally faces a jail sentence. Fellow traders are whistleblowers as to Heartless’ lack of compassion and J.C. Davidson steps in.

Charges have been laid and Heartless is now in prison but for the most surprising of reasons. J.C. Davidson, presiding over His own court, described Heartless as “… an evil man.” He said, in summing up his sentence, “You acted within the law but sooner or later evil men are brought to account for their evil acts. This is your time to be called to account for your unforgiveness and lack of compassion. In this court, your unforgiveness is a greater crime than the original debt which I forgave. Your crime is your lack of compassion. You will remain in custody until you have shown forgiveness to your fellow trader and until that time you will bear the torture you have brought on yourself.”

The world stands dumbfounded by his charge. Apparently Michael Heartless receives justice for his heartless pursuit of a fellow debtor. He is a prisoner because of his own bitterness and lack of compassion. His punishment is self-imposed. His unforgiveness has placed him in prison and because of his bitter and vindictive actions towards another fellow trader, he will not be free until he takes the example of his boss, and learns to forgive.

An employer who was at the court told said, “The world may not agree with how the Managing Director of Compassion Bank and Kingdom Enterprises exercises His sovereign authority over His country, but perhaps we could all learn to be a little more compassionate in the light of our own indebtedness towards God.”

Warren Wiersbe says “The world’s worst prison is the prison of an unforgiving heart. If we refuse to forgive others, then we are only imprisoning ourselves and causing our own torment.”

 

WORLD BREAKING NEWS: Friday. JESUS SERVANTS FORGIVE DEBTORS.

The prayer Jesus taught His disciples includes the words “… forgive us our debts, as we forgive our debtors … If you forgive those who sin against you, your heavenly Father will forgive you. But if you refuse to forgive others, your Father will not forgive your sins.” (Matthew 6:12, 14-15 NIV and NLT).

In the parable in Matthew 18:23-35, the king is the Lord Jesus Christ. The servants are anyone who calls Him their King. The Kingdom refers to the sphere of His authority to rule over us as our King, and His ability to bring us to account. Romans 14:11-13 (NLT) says, “‘As surely as I live,’ says the Lord, ‘every knee will bend to Me, and every tongue will confess and give praise to God.’” Yes, each of us will give a personal account to God. So let’s stop condemning each other. Decide instead to live in such a way that you will not cause another believer to stumble and fall.” 

The context of this parable is forgiveness between two people who are followers of Christ. Jesus says that we are people who offer forgiveness continually without trying to count the number of times or measure the size of the debt (Matthew 18:21-22).

The currency in this parable is the extensive, unmeasurable amount of forgiveness we have received from God compared to the meagre amount of forgiveness we will ever have opportunity to give to others who sin against us. True compassion, therefore, arises out of a deep-seated understanding of our own forgiveness and prompts in us the capacity to forgive others.

God offers us mercy because of the death of Christ on the Cross who paid the penalty for our sin and not because of some misplaced idea of us being able to pay the debt. It is not surprising then that Ephesians 4:31-32 (NLT) says “Get rid of all bitterness, rage, anger, harsh words, and slander, as well as all types of evil behaviour. Instead, be kind to each other, tender-hearted, forgiving one another, just as God through Christ has forgiven you.”  

The parable has further explanation through the words of Colossians 3:12-14 (NLT) which says “Since God chose you to be the holy people He loves, you must clothe yourselves with tenderhearted mercy, kindness, humility, gentleness, and patience. Make allowance for each other’s faults, and forgive anyone who offends you. Remember, the Lord forgave you, so you must forgive others. Above all, clothe yourselves with love, which binds us all together in perfect harmony.” 

Pastor Ross

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Genesis 30:35-43 – RICH DAD RICH KIDS

Speckled Bark. Image by Ross Cochrane.

Speckled Bark. Image by Ross Cochrane.

It’s almost as if Robert Kiyosaki, author of the best-selling book Rich Dad Poor Dad, has been reading God’s business plan for Jacob. I can almost hear him saying to Jacob, “Sooner or later you will have to learn that the moral lesson of your rat-race work-life demands that you become more an entrepreneur than simply an employee. Putting wealth into Laban’s hands with little or nothing to show isn’t what is intended for you. You are intended for blessing, and to be a blessing. You were not destined for exploitation by a greedy and corrupt uncle.”

God invites Jacob, and me, to take the risk of faith rather than be pushed around by life. He always has! We stay where we are unless we make opportunities by taking a risk. But not just any risk. A blatant opportunist who has taken careless risks all his life, Jacob is about to develop a faith literacy and be schooled in honesty rather than take the path that comes so easily to him – deceit and taking advantage of others.

Jacob is working for his uncle to pay off a 14-year-old debt, accumulated by the acquisition of his wives through a shonky business deal. He has no asset base for financial security. Jacob’s assets are not to be found the vague promises from a deceitful man who won’t pay him a wage.

How do you build your asset base? Kiyosaki would say “Stocks, bonds, mutual funds, income producing real estate, notes, and royalties from intellectual property.” Jacob chooses stock because it’s all he understands and he’s been in bonds to his uncle for far too long. He’s still taking notes on royalty and intellect as God invites him to come under His authority and wisdom. God will awaken the financial intelligence inside him, although His method is a little unorthodox.

In order for him to secure all that God plans for him he has to have new ideas. He is still teachable, so he takes a course on faith – buys the latest videos and books, attends the seminars on what God is saying – well OK, maybe not videos, books and seminars, but he knows that he will have to own God’s promises rather than simply wait for Laban to pay him.

His assets are his faith and his family, so he starts to develop a plan for investing in the secure promises of God, minimal risk to Laban, but maximum opportunity for Jacob and his menagerie of wives and children. Honest accounting and investing; he hasn’t tried that before. So he makes a new deal with his uncle – “I’ll look after your flock of plain coloured animals but keep any new-born speckled animals to build my own flock.” His uncle agrees. Plain coloured animals normally produce plain coloured animals. How can Laban lose?

But then Jacob gets weird… Although this seems such an odd thing to do I can only suppose that God is in it… Jacob strips away some of the bark of tree branches and exposes the inner wood in stripes and places them in the drinking troughs as if this will make a difference in producing striped and speckled animals? (Genesis 30:37-39). Now I’m tempted to say Jacob has reverted to superstition, but I know, God does some weird things with branches and rods and staffs (Exodus). A branch makes an axe head float in 2 Kings 6. Moses’ staff becomes a snake in Exodus 4:14 and was used in other miraculous events. Aaron’s rod budded and was included in the ark of the Covenant as a reminder for faith (Hebrews 9:4). God used a bronze snake on a pole in the wilderness as a symbol for expressing healing faith (Numbers 21:6-9).

Does God use the chemicals from the stripped branches in the troughs to change the DNA of Jacob’s breeders? I doubt it. If nothing else, these branches serve as a symbol of faith for Jacob and a witness to Laban, even if it doesn’t do anything for the sheep. Could it be whenever Jacob sees them he prays for speckled sheep? When the sheep look at them they ignore them, drink the water and mate and do what sheep do. There’s no magic or superstition here, just an opportunity for the outworking of a miracle.

So Jacob becomes very wealthy, with large flocks of sheep and goats, male and female servants, and many camels and donkeys, even if they are a motley bunch. You won’t find “Stripping bark from branches” in a chapter of any of Robert Kiyosaki latest get rich books. In Genesis 31:5 (NLT) Jacob says “… the God of my father has been with me.” (see also Genesis 31:10-13). 

Philippians 4:19 NLT invites us to understand that “… this same God … will supply all your needs from His glorious riches, which have been given to us in Christ Jesus.” Rich Dad Rich Kids.

Pastor Ross

Matthew 13:1-23 – Part 7 – A RETURN ON THE INVESTMENT

Investment Return

Vehicles being thrown around like toys in the rushing waters and heartbreaking stories of lives lost have filled the news reports. The damage to bumper harvests was also devastating, probably in the billions of dollars, as the states of Queensland, NSW and Victoria in Australia have been inundated with floods. As I speak a new cyclone is threatening to devastate Queensland even further.

In the midst of this devastation a harvest of another kind is ripening and producing an incredible return. Christian Churches right around Australia open the doors of their buildings as evacuation centres, feed the hungry, send volunteer teams to help clean houses, and give millions of dollars in aid. Scores of Christians giving not only practical help in a coordinated way, but emotional and spiritual help.

Jesus speaks of that kind of harvest in Matthew 13:23 (NLT). He says “The seed that fell on good soil represents those who truly hear and understand God’s word and produce a harvest of thirty, sixty, or even a hundred times as much as had been planted!”  

HARVEST is important. What comes to mind when you think of being GOOD SOIL? Some kind of SICKLY SAINT who whines about the evil in world and tries to impress God with good works to gain points, right? That’s not it! Surely? Please Lord, not that.

It is interesting to me that even when Jesus speaks about the good soil (Matthew 13:23), that some produce a harvest of only 30% AND 60%. Is He saying that even though I have responded the message of His Kingdom authority in my life that I can still live BELOW MY POTENTIAL and fail to produce a harvest of 100% RETURN? Don’t get me wrong. I’m not beating myself up over this when I fail, but apparently God has designed my life to be 100% PRODUCTIVE, not dormant, limited or underlived. It’s as if God is trying to say “Don’t give Me excuses! Give me a RETURN! Go! Make a difference in the world for Me with what I have already INVESTED in your life. You can do it!”

But what is this FRUIT OF THE CROP that every genuine Christian produces? The parable doesn’t say! I guess it speaks of all kinds of things.

When Colossians 1:10 (NLT) speaks about producing fruit. It says, “…your lives will produce EVERY KIND of good fruit. ….”

Whenever someone responds to the message of Christ then that is a potential harvest. The harvest does refer to my influence in helping people come to Christ. The harvest is plentiful and the labourers are few (Matthew 9:38), but it is much MORE than that!

The context of this Colossians 1 indicates that fruit is a CHANGED LIFE after receiving the message of Christ (Colossians 1:6). This in turn produces an active LOVE for others (Colossians 1:8), a KNOWLEDGE of God’s will, spiritual WISDOM and UNDERSTANDING (Colossians 1:9), GROWING and LEARNING to know God more (Colossians 1:10), ENDURANCE, PATIENCE AND JOY (Colossians 1:11), and finally SHARING the message of the gospel with others (Colossians 1:12). A harvest of thoughts, words and actions that HONOUR and PLEASE the Lord.

Galatians also speaks of personal fruit that is evidence that the Holy Spirit is working in a person’s life. “… the Holy Spirit produces this kind of fruit in our lives: love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control. There is no law against these things!” (Galatians 5:22-23 NLT). The very CHARACTER AND INFLUENCE OF GOD produced in my life. Imagine the kind of return in the world there would be if leaders and nations took hold of the message of Christ!

In the gospel of John Jesus says producing this kind of return is dependent upon my relationship with Him. “…you cannot be fruitful unless you remain in Me. “Yes, I am the vine; you are the branches. …apart from Me you can do nothing. …When you produce much fruit, you are My true disciples. This brings great glory to My Father.” (John 15:1-8 NLT)

So the invitation Jesus gives us is to bear fruit. I am to make a difference in the world because Jesus has made a difference in me. I am to PRODUCE something worthwhile in my life because of what God has INVESTED in me.

God bless you as the fruit that is developed on the inside of a changed life becomes obvious to others. Through the fruit of your thoughts, words and actions others will also have an opportunity to respond to Christ.

Pastor Ross