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Sharon Rauenzahn is a good friend of mine over many years. Back in the 1990s, I was her pastor, and she led our youth group. A boy in the group asked her an important question, "What if I like a girl and she's not a Christian?" It's a classic question. Sharon prepared a letter to send to the boy and sent me a draft copy for my feedback. I remember thinking that it was the best response I had ever seen to that question. It still is.
So I got her permission to add it to my Advice for Couples resource. Here's a link to Sharon's Dating Advice letter. And though I retired in 2010, we still see each other every week in church. She's the same gal who writes many of the Advent Readings that I publish on my site.
Here's a link to the entire Advice for Couples set of resources. These resources are among the most visited web pages on my site, so feel free to drop in and give them a look. A few are for the very early dating season, many are for the serious dating season, and many are useful by couples throughout life. These are the same materials I select from when I do pre-marriage counseling.
And the price is right - everything on my site is always free.
- Thomas Merton
A few days ago I posted a new Advent Reading for 2016. Since then, our pastor asked Sharon Rauenzahn to write a shorter one for this year's use at New Life Nazarene Church (Cupertino, CA). So she did, it's titled "Hope, Faith, Joy, Peace" and is available with all the others at Advent Readings.
Blessings to all (and thanks to Sharon!),
But I also realize that many of you are not pastors and may be wondering what is the Lectionary! So here's a link for you: Lectionary Basics.
And for you pastors, here are some resources that you can use immediately:
Advent Reading: Call to Action, Call to Faith! This one joins six others from previous years.
Like some of the others, Sharon Rauenzahn wrote "Call to Action, Call to Faith," with an option to include a child with a non-reading part each week.
I am deeply disappointed in the outcome and apprehensive of virtually all roads ahead. I am brokenhearted for women, for those at the low end of the economic divide, for people of color, for the LGBT community, for young adults enslaved by student debt, for those who are bullied on any pretense, for those of Islamic and other non-Christian faiths, and on and on. Regardless, I will support President Trump and pray that he’ll lead us forward in a different spirit than we’ve seen from him so far.
I’m also concerned for all who put their hope in America and its politics and woke up this morning facing a host of shattered dreams.
As for me, my primary citizenship is in God’s Kingdom, while I live and work as a resident alien in a kingdom of this world. I am not disappointed or brokenhearted with God’s Kingdom because I trust his promises. He says my path will take some troublesome turns and pass through some dark valleys. But throughout the journey, the Spirit of Jesus accompanies, guides, strengthens, and opens doors for me to share some part of the Good News of God’s Kingdom with other travelers. If that’s you, take a look at The Alternate Life. Or just contact me. Or visit a church this Sunday.
people above age 70.5 can directly transfer up to $100,000 from a traditional, tax-deferred retirement account to charity every year, have it count against their Required Minimum Distribution (RMD) for that year, and not have to pay taxes on the money they contributed?
Here's why this makes sense: A typical retiree pays her bills using money from defined benefit retirement programs, withdrawals from tax-deferred retirement accounts (IRA, 401k, 403b), dividends and capital gains from investments in the taxable accounts, and Social Security. All these sources are subject to some taxation. Whether she needs the money or not, every year from when she turns 70.5 they must withdraw at least the RMD from her tax-deferred retirement accounts and pay ordinary income tax on every dollar withdrawn.
Further, suppose she wants to donate $6,000 to her church for the year. If she draws money from any of the sources and writes a check to the church, that money adds to her adjusted gross income and gets taxed. But if she arranges to donate the $6,000 directly from her tax-deferred retirement account to the charity, it counts against her RMD for the year, and she doesn't have to add it to her adjusted gross income. This works whether she itemizes or not, though if she itemizes she can't also claim a deduction. For retirees with sufficient money to pay all their bills and also contribute to charity, the smartest dollars to donate are RMD dollars going directly from your account to the charity.
I expect she can accomplish this direct transfer in a week or two, but it's even better to think about donating from an RMD early in the year before deciding to take the RMD in monthly or quarterly installments.
For more on this, including the details of how to make the transfer directly from your retirement account, check out this Kiplinger article.
For more strategic ways to donate money, check out Tax-smart Donations.There you'll find tips on donating appreciated stock, creating a donor advised fund, and others.
Let's Consider Abortion. Hope you'll find five minutes to consider it.
Fascination List and practice helps me reset.
Hope you'll take time to have a look.
While dumpster diving through the 2016 presidential campaign, I found something valuable. It wasn't what I was looking for, but if we have the courage to deal with it, it will make America greater. Check out A Plus from 2016 Presidential Campaign.
Here's some wisdom from Jonathan Clements, an excellent financial author I started following this year. Here's a link to a recent MarketWatch article, and here's a link to an 18-minute podcast where the Wall Street Journal's "Money, Markets, & More" staff interview Clements. The article provides the list but with only limited comments. So don't stop with the article; please find the time to listen to the podcast.
To whet your interest, here is Clement's list of the ten most important Financial Decisions Ever: