Opinion
The story of the wise men visiting the Christ child is an intriguing one.
These men began a long trip to Israel simply because a particular star was in the sky, alerting them to the birth of the king of the Jews.
They traveled for several months perhaps even as many as two years to finally meet the Christ child in person.
I believe it is more than just a story meant to entertain us, it is meant to teach us something today, about seeking the Christ child. For God will reach to the end of the earth to call all people to worship Jesus.
Unbeknownst to many, the Wise Men from the east weren’t there in the stable. They hadn’t even left their homes yet.
But because of the lingering myths that exist about these men of gentile origin, it’s hard to find a nativity scene anywhere in the world that doesn’t have these three visitors from the East huddling by Jesus’ bedside, giving their gifts and proper worship to this One who was born King of the Jews.
As we ponder the view of the nativity scene, rather than say it is wrong, let’s instead marvel at the way in which Jesus’ birth took the whole world captive in its meaning and purpose. The people close by like the lowly shepherds and to those at the edges of the known world, the prominent and wise men.
On that first Christmas night, God announced His Son’s birth, not to top-level dignitaries or theologians, but to lowly shepherds – men who were completely undeserving of receiving such a splendid Divine revelation as this one.
The presence of the shepherds on Christmas Eve, then, is a wonderful sign of God’s grace to those who are near Him, a sign which says that it really doesn’t matter who you are, how important you are, or how respected you are in the eyes of the world.
No matter what your standing is in this world, the Good News is that God has sent His Son into the world for you and me – sent His Son to save us from His wrath and condemnation – sent His Son to take away the guilt of our sin, and to love us with an everlasting love.
In comparison, as we look at the coming of the Wise Men from the East, what we see is that the Gospel not only extends itself to those who are nearby, but also to those who are far away. We might even say that this Gospel comes especially to those who are least likely to hear and receive it.
The Wise Men, weren’t notable kings from the East who had come to visit another noble from the West, rather these men were scientists, perhaps very well off, but for all intents and purposes, pagans who’d been touched by the universal outreach of the Gospel of this King who was born beneath the Star in Bethlehem.
This is how God works His miracle of communicating the Gospel of grace in outreach to all people near and far.
Join us this Sunday to hear more about the Epiphany event where Jesus’ Divinity was made manifest to the gentile nations.
This week we have a guest speaker, Bob Hamilton, who will lead worship.
Service begins at 11 a.m. with lunch immediately following worship.
Please come as you are – all people are welcome.
Chris DelCol is pastor of First Lutheran Church in Lucerne, Calif. The church is located at 3863 Country Club Drive, telephone 707-274-5572. Email Pastor Chris atThis email address is being protected from spambots. You need JavaScript enabled to view it. .
These men began a long trip to Israel simply because a particular star was in the sky, alerting them to the birth of the king of the Jews.
They traveled for several months perhaps even as many as two years to finally meet the Christ child in person.
I believe it is more than just a story meant to entertain us, it is meant to teach us something today, about seeking the Christ child. For God will reach to the end of the earth to call all people to worship Jesus.
Unbeknownst to many, the Wise Men from the east weren’t there in the stable. They hadn’t even left their homes yet.
But because of the lingering myths that exist about these men of gentile origin, it’s hard to find a nativity scene anywhere in the world that doesn’t have these three visitors from the East huddling by Jesus’ bedside, giving their gifts and proper worship to this One who was born King of the Jews.
As we ponder the view of the nativity scene, rather than say it is wrong, let’s instead marvel at the way in which Jesus’ birth took the whole world captive in its meaning and purpose. The people close by like the lowly shepherds and to those at the edges of the known world, the prominent and wise men.
On that first Christmas night, God announced His Son’s birth, not to top-level dignitaries or theologians, but to lowly shepherds – men who were completely undeserving of receiving such a splendid Divine revelation as this one.
The presence of the shepherds on Christmas Eve, then, is a wonderful sign of God’s grace to those who are near Him, a sign which says that it really doesn’t matter who you are, how important you are, or how respected you are in the eyes of the world.
No matter what your standing is in this world, the Good News is that God has sent His Son into the world for you and me – sent His Son to save us from His wrath and condemnation – sent His Son to take away the guilt of our sin, and to love us with an everlasting love.
In comparison, as we look at the coming of the Wise Men from the East, what we see is that the Gospel not only extends itself to those who are nearby, but also to those who are far away. We might even say that this Gospel comes especially to those who are least likely to hear and receive it.
The Wise Men, weren’t notable kings from the East who had come to visit another noble from the West, rather these men were scientists, perhaps very well off, but for all intents and purposes, pagans who’d been touched by the universal outreach of the Gospel of this King who was born beneath the Star in Bethlehem.
This is how God works His miracle of communicating the Gospel of grace in outreach to all people near and far.
Join us this Sunday to hear more about the Epiphany event where Jesus’ Divinity was made manifest to the gentile nations.
This week we have a guest speaker, Bob Hamilton, who will lead worship.
Service begins at 11 a.m. with lunch immediately following worship.
Please come as you are – all people are welcome.
Chris DelCol is pastor of First Lutheran Church in Lucerne, Calif. The church is located at 3863 Country Club Drive, telephone 707-274-5572. Email Pastor Chris at
- Details
- Written by: Pastor Chris DelCol
The new year has arrived, which means it’s time to start planning your finances accordingly.
New data from Principal Financial shows that more than half of the people surveyed (56%) are optimistic about the economy in next year.
“There’s no one-size-fits all magic bullet for spending versus saving. However, the more we can think about spending and saving instead of spending or saving, the better off people will be,” said Jerry Patterson, senior vice president of retirement and income solutions at Principal. “Taking a hard look at where we missed the mark and committing to making the right changes is a key step for 2019 well-being.”
Some of the top financial New Year’s resolutions in 2018 included saving more each month (46%), reducing spending each month (38%), paying off credit card debt (29%), building an emergency fund (24%), and saving more for retirement (21%) according to Principal Financial.
If you are looking to create a budget or get out of debt in the new year, BBB has tips and tools to help you get on the right track to a better financial future:
· Calculate your income. You can't properly set a financial resolution unless you know what you're working with. Calculate your monthly net income, which is after taxes, so you can set a clear budget with exactly what you are bringing home.
· Track your spending. Whether you prefer an app on your phone, computer software, or simply a notebook to jot down your expenses, keeping track is critical. It helps you see where you are actually spending your money, rather than where you think you are.
· Categorize your spending. Create categories based on necessities (housing, utilities, food, transportation) and luxuries (entertainment, dining out, travel). If you have credit card balances, student loans, car payments or other debt, make “debt reduction” one of your necessary categories. Here are some additional tips on how to pay less in some of those categories.
· Set up a budget. Once you have an idea where you are spending money, you can set up a realistic budget. There are free online tools to help you, so there is no need to spend a lot of money. Be cautious of scams, however, and never share personal identifying information (PII) unless you are sure of the site’s legitimacy.
· Pay down debt. One method is to pay off the credit account or loan with the highest interest rate first (the “ladder method”). Another is to pay off the smallest balance first so you feel a greater sense of accomplishment (the “snowball method”). Use whichever methods works best for you. The important thing is that you are doing it. Also, call your credit card company and ask if they will lower your interest rate. Some lenders will agree just to keep you from transferring your debt to another lender with better terms. If you shave even a few percentage points off of your rate, it can help you save and pay down your balances faster.
· Pay bills on time. Consider online bill-paying that eliminates writing checks, buying stamps, etc. Automatic payments can be scheduled ahead of time and can help you avoid late fees and penalties for missed payments.
· Save for the big things. Big purchases, such as vacation or holidays, can easily blow your budget. Avoid going into debt for these expenditures by saving up ahead of time and only spending what you are able to save. Many banks and credit unions offer savings clubs that might help.
· Save for emergencies. Emergencies – car or home repair, unexpected medical expenses, job loss – can blow your budget. Financial experts suggest an emergency fund of 3-6 months’ living expenses. If that is too ambitious, start smaller and build up.
· Contribute to your retirement. Make sure you are contributing enough to your 401k plan to get the full matching contribution from your employer. If you get a raise at your job, try and put that extra money aside into your retirement account. You were able to survive on that income for this long, so you won't miss that extra cash and your retirement account will greatly benefit.
· Keep track of your credit score. Credit scores are used by lenders to make decisions about whether or not to offer you credit, and what those terms (interest or down payment) will be. Your credit score is a decision-making tool that lenders use to help them anticipate how likely you are to repay your loan on time.
Additional Resources:
Make a Budget worksheet from the Federal Trade Commission
Budgeting Worksheet from Industry Canada
Evan Arnold-Gordon works for the BBB serving the San Francisco Bay Area and Northern Coastal California.
New data from Principal Financial shows that more than half of the people surveyed (56%) are optimistic about the economy in next year.
“There’s no one-size-fits all magic bullet for spending versus saving. However, the more we can think about spending and saving instead of spending or saving, the better off people will be,” said Jerry Patterson, senior vice president of retirement and income solutions at Principal. “Taking a hard look at where we missed the mark and committing to making the right changes is a key step for 2019 well-being.”
Some of the top financial New Year’s resolutions in 2018 included saving more each month (46%), reducing spending each month (38%), paying off credit card debt (29%), building an emergency fund (24%), and saving more for retirement (21%) according to Principal Financial.
If you are looking to create a budget or get out of debt in the new year, BBB has tips and tools to help you get on the right track to a better financial future:
· Calculate your income. You can't properly set a financial resolution unless you know what you're working with. Calculate your monthly net income, which is after taxes, so you can set a clear budget with exactly what you are bringing home.
· Track your spending. Whether you prefer an app on your phone, computer software, or simply a notebook to jot down your expenses, keeping track is critical. It helps you see where you are actually spending your money, rather than where you think you are.
· Categorize your spending. Create categories based on necessities (housing, utilities, food, transportation) and luxuries (entertainment, dining out, travel). If you have credit card balances, student loans, car payments or other debt, make “debt reduction” one of your necessary categories. Here are some additional tips on how to pay less in some of those categories.
· Set up a budget. Once you have an idea where you are spending money, you can set up a realistic budget. There are free online tools to help you, so there is no need to spend a lot of money. Be cautious of scams, however, and never share personal identifying information (PII) unless you are sure of the site’s legitimacy.
· Pay down debt. One method is to pay off the credit account or loan with the highest interest rate first (the “ladder method”). Another is to pay off the smallest balance first so you feel a greater sense of accomplishment (the “snowball method”). Use whichever methods works best for you. The important thing is that you are doing it. Also, call your credit card company and ask if they will lower your interest rate. Some lenders will agree just to keep you from transferring your debt to another lender with better terms. If you shave even a few percentage points off of your rate, it can help you save and pay down your balances faster.
· Pay bills on time. Consider online bill-paying that eliminates writing checks, buying stamps, etc. Automatic payments can be scheduled ahead of time and can help you avoid late fees and penalties for missed payments.
· Save for the big things. Big purchases, such as vacation or holidays, can easily blow your budget. Avoid going into debt for these expenditures by saving up ahead of time and only spending what you are able to save. Many banks and credit unions offer savings clubs that might help.
· Save for emergencies. Emergencies – car or home repair, unexpected medical expenses, job loss – can blow your budget. Financial experts suggest an emergency fund of 3-6 months’ living expenses. If that is too ambitious, start smaller and build up.
· Contribute to your retirement. Make sure you are contributing enough to your 401k plan to get the full matching contribution from your employer. If you get a raise at your job, try and put that extra money aside into your retirement account. You were able to survive on that income for this long, so you won't miss that extra cash and your retirement account will greatly benefit.
· Keep track of your credit score. Credit scores are used by lenders to make decisions about whether or not to offer you credit, and what those terms (interest or down payment) will be. Your credit score is a decision-making tool that lenders use to help them anticipate how likely you are to repay your loan on time.
Additional Resources:
Make a Budget worksheet from the Federal Trade Commission
Budgeting Worksheet from Industry Canada
Evan Arnold-Gordon works for the BBB serving the San Francisco Bay Area and Northern Coastal California.
- Details
- Written by: Evan Arnold-Gordon
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