Erase 50% of Past Due Balances Legally and Ethically

How would it feel to have your debt legally erased? Did you also know anyone who has a 10k balance on their credit-card will pay over $40,000 in interest and will take them almost 40 years to pay off?

Fact: Credit cards have become a debt trap for many Americans.

Fact: The average American can now legally and ethically reduce their credit-card debt by 50%.

Fact: Plastic dishes another euphemism for debt.

Credit institutions gloss over the fact that a single credit-card bankrupted almost 1 in 73 people in America last year. Interest rates are at all-time high in America and anyone who has a credit-card is at the mercy of their credit institution who can change their interest rate with no legal repercussions at this time.

Fact: The credit charge you make today could amount to thousands of dollars in interest.

There is no reason why the American should stay in debt when free information is available to help them erase 50% of their past due obligations that they owe to financial institutions. And because of this, many companies are starting to release free information that can help the average consumer erase half of what they owe without having to file bankruptcy and ruin their financial life.

This next year Congress will start passing laws that prohibit financial institutions from changing their interest rates in order to steal everything that you own. Every American who has a past due balance should see if they can legally get their debt erased.

Exercise your rights.Get out of debt.

The Dish: Fast As Lightning

This Friday, Justin Gatlin broke the 100-meter world record with a time of 9.76 seconds. While the track and field world holds its breath hoping no BALCO-style disaster drowns out the excitement, let’s talk about what else in sports takes 9.76 seconds.

Barry Bonds can only pop half his back pimples.

Ken Griffey Jr. can stay healthy; but no longer than that.

Ricky Williams can sing the entire chorus of “Legalize It.”

Don King can just barely find his keys in his hair-wallet.

Larry Brown can only get a third of the way through his latest whine about Stephon Marbury.

Aaron Rowand can break three body parts on three different walls.

A-Rod can allow seven Red Sox grounders between his wickets.

Terrell Owens can do 15 sit-ups on his driveway.
Herm Edwards can walk out on three half-finished jobs.

Anna Kournikova can lose a tennis match.

Danica Patrick can make 100 guys feel bad about themselves.

Jesse Jackson can do 17 grandstanding interviews about the Duke lacrosse scandal.

Kellen Winslow Jr. can pop six wheelies, and crash on three of them.

Tony Stewart can eat five donuts.

I can alienate the entire planet Earth.

What was the net result of the Kentucky Derby? Did you guys have Barbaro as the winner? Was that a good result for the books?

Greg Jorssen, We had a fantastic Kentucky Derby over at Bodog. While we were ecstatic to hear that overall betting on the Kentucky Derby increased almost 14% over last year, Bodog broke records in our Racebook with 150% growth over last year. We did end up with Barbaro as the post time favorite at 5-to-1, but we juggled Brother Derek, Lawyer Ron and Sweetnorthernsaint all in that position at some point throughout the day. It was a good day for the book, as well as for Bodog members. We paid out a $2 trifecta for $11,418.40 to one player and another who nailed the Super for over $29K, who we spoke to shortly after the race, and to say that he was ecstatic would be an understatement!

Will interest in the NBA playoffs diminish without the Lakers to kick around anymore?

GJ, California represents the biggest state in terms of handle and bettors, thus not having the Lakers around will have somewhat of an impact. That said, L.A.’s other team is generating a lot of the attention with these bettors. The second-round matchups are incredibly exciting anyway, and will keep people watching the playoffs and forgetting Kobe in no time. The Dallas/Spurs series is going to be an epic battle, as the first two games have already shown. I foresee this one going the distance. As for the East, I don’t think the Cavs will put up too much of a fight against the mighty Pistons, and should be the first series to wrap up.

What’s your reaction to Barry Bonds eclipsing the Babe?

GJ, Yawn. Cheater. Next topic. 🙂

Do you have any idea why most online books put NASCAR head-to-head odds online so late? It’s usually not until late Sunday morning where I can find a reliable set of head-to-head odds from which to choose.

GJ, The main reason for the lateness of the lines is due to the books waiting on where the racers are positioned and the results of the qualifying laps. Someone that has pole position would be favored over someone that is a few rows back, so sorry, you are simply going to have to wait until race day to place some of these head to head bets!

Why Grace Works and Legalism Doesn’t

A British naturalist who collected animals for zoos, Gerald Durrell, tells how he captured a number of African birds and small mammals. He kept them in cages for several weeks. At one point, due to political turmoil, he could not export the animals to Britain and was forced to free them.

He opened their cages to release them. To his surprise, some refused to leave. They had become comfortable there, nourished and sheltered from predators. He resorted to gently prodding them out with a stick. The moment he stopped, they went back in their cage.

Durrell was obliged to destroy their cages to prevent the animals from staying. They had lost their taste for freedom.

So it is with some Christians. They prefer the secure confines of rules, only to miss out on a world of adventure.

Every man harbors a Pharisee in his heart, observed the radio preacher. Remnants of corruption remain as long as we live, and often generate legalism.

Legalism is the assumption we get righteousness by following rules.

Like the Galatians, some suppose we are justified by faith but sanctified by law. Paul protests,

Are you so foolish? After beginning with the Spirit, are you now trying to attain your goal by human effort? Galatians 3:30

The other day I wanted something. I thought to myself, I’ve been good lately. God will probably give me what I ask. A moment later, I realized I had fallen into a psychological trap. Legalism assumes God rewards me for my own righteousness. You old Pharisee!, I thought. You teach grace and then assume God might bless you on the grounds of your own goodness.

Why do we relapse into such snares?

A subtle drive for self-validation remains. Our old nature is ego-centered. This feeds right into legalism. Man feels the urge to supplement Gods law. We develop new rules apart from those God gave. Urging others to comply lends an illusion of authenticity.

The legalism misses the point: Self is the problem.

Attempting righteousness by rules only strengthens our autonomy. This in turn leads to further sin.

Are rules bad?

No. However, rules can never produce righteousness. The Ten Commandments are valid to this day.

  • We sin by breaking them
  • Nevertheless, they are powerless to make us righteous.

Legalism does not put the brakes on our carnal nature.

The proof is in the way legalists treat free people.

Grace succeeds in our sanctifying growth because it is based on a relationship with Christ. He is not only sufficient but also indispensable.

  • He is not a supplement to our righteousness.
  • He is our righteousness

Some fear freedom in grace may lead to a disregard of the divine law. The opposite is true. We find ourselves following Christ more closely, who is always in accord with the divine law.

Here’s the biblical pattern:

For the grace of God that brings salvation has appeared to all men. Titus 2:11

  • First, grace brings salvation. We do not bring it to ourselves. What then? Does grace say, I started you on the right path. The rest is up to you.?

It teaches us to say no to ungodliness and worldly passions, and to live self-controlled, upright and godly lives in this present age, verse 12

  • Once grace brings salvation, it remains to teaches us godly living. Any who imply that grace equals freedom to sin, are calling licentiousness by the wrong name.
  • When we grow in grace, we become more free and less libertine.
  • Grace allows us to relish in our acceptance with God, as opposed to the legalistic mere possibility of a future acceptance.

Legalists suppose they have divine authority

The legalist is convinced he is standing firmly on the authority of the divine law. Instead, he has one foot on the law and the other on the remnants of his own corrupt nature. This is slippery ground. Neither foot is planted on the imputed righteousness of Christ. The sins of pride, self-righteousness and judgmentalism have a foothold.

Laws always produce more laws, not more righteousness.

They multiply like germs in a petri dish. This is why Jewish Rabbis, not content with Old Testament law, wrote the Talmud, a set of volumes expanding the law to the size of an encyclopedia.

Legalists imagine they are mature

Freedom is an ambiguous concept, tricky to define. Where does freedom end and license begin? Laws are concrete while principles are ethereal. Children require rules due to their undeveloped faculties. As they mature, they understand the principles.

Paul alluded to this,

Therefore the law was our tutor to bring us to Christ, that we might be justified by faith. But after faith has come, we are no longer under a tutor. Galatians 3:24, 25

We can remain children led by a tutor if we choose. Or we may be free, mature adults acting on principle.

Accept him whose faith is weak, without passing judgment on disputable matters. Romans 14:1

The legalist is a spiritual weakling. Like a straw man propped up by sticks, so the legalist props himself up by petty rules. Though he thinks he is strong, he is going nowhere.

Rules are like scaffolding for building a wall. Once the wall is built and can stand on its own, the scaffolding is no longer needed.

Legalists assume strictness is holy

Since you died with Christ to the basic principles of this world, why, as though you still belonged to it, do you submit to its rules:”Do not handle! Do not taste! Do not touch!”? These are all destined to perish with use, because they are based on human commands and teachings. Such regulations indeed have an appearance of wisdom, with their self-imposed worship, their false humility and their harsh treatment of the body, but they lack any value in restraining sensual indulgence. Colossians 2:20

Religious strictness usually makes things worse. Paul had been a strict Pharisee, so he knew the legalist mindset. Being more strict equals more sin. Why? Because the power of sin is the law. It is the crutch on which the carnal nature depends in order to work at full capacity.

God’s risk

You, my brothers, were called to be free. But do not use your freedom to indulge the sinful nature; rather, serve one another in love. Galatians 5:13

Live as free men, but do not use your freedom as a cover-up for evil; live as servants of God. 1 Peter 2:16

Free from what? From rule-based righteousness. Humanly speaking, God takes the risk that we might abuse our freedom to indulge the flesh. If this were not so, these warnings would not be in scripture. The warnings are proof of how just free we are.

Should we fear we might abuse grace? That’s like a doctor saying, I’m giving you a prescription but be careful because it might make you forget you are sick. This is precisely what the prescription is intended to do.

A friend said, If you are not enjoying your freedom, then you need to talk to the Lord because you have a problem.

If the Pharisee in our hearts has his way, he will bind us and that is no fun. Worse, he will use us to bind others.

As long as we are in the flesh, we will be at war with him. Do not let him win.

Court Origins With Legal Studies

If one has a sudden urge to probe further into how justice is carried out in the courts of law, it may do one well to sign up for a course in legal studies. As its name suggests, it deals with the study of all matters legal. It also addresses the origins of the dishing out of fairness from days of old to present times. As depicted in the old westerns whereby gun slingers met at high noon to do away with one another, the scales of justice may have stemmed from such radical practices. With the progress in mental faculties, man decided to put in place a judicial system whereby one is considered innocent until proven guilty.

In ancient times, man asked God to appoint judges from amongst themselves to rule over them and carry out just action unto those who did wrong. Thinking themselves wise for appointing man to govern their peers instead of seeking the wisdom of the Creator thus began a generation of good and bad judges with their respective share of clean and corrupt practices. Many generations onward, the system continues to make every effort to exhibit fairness in all situations despite very trying circumstances.

The adage of the pen being mightier than the sword rings true in the courts of law. The power of writing is most effective as one trained in legal studies endeavors to deliver a clear and concise interpretation of the cases and their proceedings. As this topic focuses on the foundations on which the judicial system is built upon, one gains an appreciation into the intricacies and complexities to deliver fairness with integrity. Despite close dealings with the legal subject, one does not need to have prior training in law. Hence, those intending to pursue this course need not come from a breeding of lawyers. Upon successful completion, one has the satisfaction of comprehending how the legal system works. However, one is not qualified to practice law at any level.