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"Dream Seeds" by Mike Murdock is a motivational book that emphasizes the importance of planting seeds of positive thoughts and goals in order to achieve success in life. The author encourages readers to nurture their dreams, have faith in their potential, and take actionable steps towards turning their dreams into reality. The book provides practical advice and inspirational stories to help readers unlock their potential and reach their goals.

Martin Luther

Martin Luther Martin Luther was a German monk who forever changed Christianity when he nailed his '95 Theses' to a church door in 1517, sparking the Protestant Reformation. Who Was Martin Luther? Martin Luther was a German monk who began the Protestant Reformation in the 16th century, becoming one of the most influential and controversial figures in the history of Christianity. Luther called into question some of the basic tenets of Roman Catholicism, and his followers soon split from the Roman Catholic Church to begin the Protestant tradition. His actions set in motion tremendous reform within the Church. A prominent theologian, Luther’s desire for people to feel closer to God led him to translate the Bible into the language of the people, radically changing the relationship between church leaders and their followers. Early Life Luther was born on November 10, 1483, in Eisleben, Saxony, located in modern-day Germany. His parents, Hans and Margarette Luther, were of peasant lineage. However, Hans had some success as a miner and ore smelter, and in 1484 the family moved from Eisleben to nearby Mansfeld, where Hans held ore deposits. Hans Luther knew that mining was a tough business and wanted his promising son to have a better career as a lawyer. At age seven, Luther entered school in Mansfeld. Education At 14, Luther went north to Magdeburg, where he continued his studies. In 1498, he returned to Eisleben and enrolled in a school, studying grammar, rhetoric and logic. He later compared this experience to purgatory and hell. In 1501, Luther entered the University of Erfurt, where he received a degree in grammar, logic, rhetoric and metaphysics. At this time, it seemed he was on his way to becoming a lawyer. Becoming a Monk In July 1505, Luther had a life-changing experience that set him on a new course to becoming a monk. Caught in a horrific thunderstorm where he feared for his life, Luther cried out to St. Anne, the patron saint of miners, “Save me, St. Anne, and I’ll become a monk!” The storm subsided and he was saved. Most historians believe this was not a spontaneous act, but an idea already formulated in Luther’s mind. The decision to become a monk was difficult and greatly disappointed his father, but he felt he must keep a promise. Luther was also driven by fears of hell and God’s wrath, and felt that life in a monastery would help him find salvation. The first few years of monastic life were difficult for Luther, as he did not find the religious enlightenment he was seeking. A mentor told him to focus his life exclusively on Jesus Christ and this would later provide him with the guidance he sought. Disillusionment with Rome At age 27, Luther was given the opportunity to be a delegate to a Catholic church conference in Rome. He came away more disillusioned, and very discouraged by the immorality and corruption he witnessed there among the Catholic priests. Upon his return to Germany, he enrolled in the University of Wittenberg in an attempt to suppress his spiritual turmoil. He excelled in his studies and received a doctorate, becoming a professor of theology at the university (known today as Martin Luther University Halle-Wittenberg). Through his studies of scripture, Luther finally gained religious enlightenment. Beginning in 1513, while preparing lectures, Luther read the first line of Psalm 22, which Christ wailed in his cry for mercy on the cross, a cry similar to Luther’s own disillusionment with God and religion. Two years later, while preparing a lecture on Paul’s Epistle to the Romans, he read, “The just will live by faith.” He dwelled on this statement for some time. Finally, he realized the key to spiritual salvation was not to fear God or be enslaved by religious dogma but to believe that faith alone would bring salvation. This period marked a major change in his life and set in motion the Reformation. Though Luther intended these to be discussion points, the 95 Theses laid out a devastating critique of the indulgences - good works, which often involved monetary donations, that popes could grant to the people to cancel out penance for sins - as corrupting people’s faith. Luther also sent a copy to Archbishop Albert Albrecht of Mainz, calling on him to end the sale of indulgences. Aided by the printing press, copies of the 95 Theses spread throughout Germany within two weeks and throughout Europe within two months. The Church eventually moved to stop the act of defiance. In October 1518, at a meeting with Cardinal Thomas Cajetan in Augsburg, Luther was ordered to recant his 95 Theses by the authority of the pope. Luther said he would not recant unless scripture proved him wrong. He went further, stating he didn’t consider that the papacy had the authority to interpret scripture. The meeting ended in a shouting match and initiated his ultimate excommunication from the Church. Excommunication Following the publication of his 95 Theses, Luther continued to lecture and write in Wittenberg. In June and July of 1519 Luther publicly declared that the Bible did not give the pope the exclusive right to interpret scripture, which was a direct attack on the authority of the papacy. Finally, in 1520, the pope had had enough and on June 15 issued an ultimatum threatening Luther with excommunication. On December 10, 1520, Luther publicly burned the letter. In January 1521, Luther was officially excommunicated from the Roman Catholic Church. Diet of Worms In March 1521, Luther was summoned before the Diet of Worms, a general assembly of secular authorities. Again, Luther refused to recant his statements, demanding he be shown any scripture that would refute his position. There was none. On May 8, 1521, the council released the Edict of Worms, banning Luther’s writings and declaring him a “convicted heretic.” This made him a condemned and wanted man. Friends helped him hide out at the Wartburg Castle. While in seclusion, he translated the New Testament into the German language, to give ordinary people the opportunity to read God’s word. Lutheran Church Though still under threat of arrest, Luther returned to Wittenberg Castle Church, in Eisenach, in May 1522 to organize a new church, Lutheranism. He gained many followers, and the Lutheran Church also received considerable support from German princes. When a peasant revolt began in 1524, Luther denounced the peasants and sided with the rulers, whom he depended on to keep his church growing. Thousands of peasants were killed, but the Lutheran Church grew over the years. Katharina von Bora In 1525, Luther married Katharina von Bora, a former nun who had abandoned the convent and taken refuge in Wittenberg. Born into a noble family that had fallen on hard times, at the age of five Katharina was sent to a convent. She and several other reform-minded nuns decided to escape the rigors of the cloistered life, and after smuggling out a letter pleading for help from the Lutherans, Luther organized a daring plot. With the help of a fishmonger, Luther had the rebellious nuns hide in herring barrels that were secreted out of the convent after dark - an offense punishable by death. Luther ensured that all the women found employment or marriage prospects, except for the strong-willed Katharina, who refused all suitors except Luther himself. The scandalous marriage of a disgraced monk to a disgraced nun may have somewhat tarnished the reform movement, but over the next several years, the couple prospered and had six children. Katharina proved herself a more than a capable wife and ally, as she greatly increased their family's wealth by shrewdly investing in farms, orchards and a brewery. She also converted a former monastery into a dormitory and meeting center for Reformation activists. Luther later said of his marriage, "I have made the angels laugh and the devils weep." Unusual for its time, Luther in his will entrusted Katharina as his sole inheritor and guardian of their children. Anti-Semitism From 1533 to his death in 1546, Luther served as the dean of theology at University of Wittenberg. During this time he suffered from many illnesses, including arthritis, heart problems and digestive disorders. The physical pain and emotional strain of being a fugitive might have been reflected in his writings. Some works contained strident and offensive language against several segments of society, particularly Jews and, to a lesser degree, Muslims. Luther's anti-Semitism is on full display in his treatise, The Jews and Their Lies. Death Luther died following a stroke on February 18, 1546, at the age of 62 during a trip to his hometown of Eisleben. He was buried in All Saints' Church in Wittenberg, the city he had helped turn into an intellectual center. Luther's teachings and translations radically changed Christian theology. Thanks in large part to the Gutenberg press, his influence continued to grow after his death, as his message spread across Europe and around the world.

4 Simple Steps to a New Financial Beginning

The start of a new year is a terrific time to begin your journey toward financial security and investing success by making it a priority to pay off credit cards, car loans, and other short-term debts. That’s right, the first financial fitness test you need to pass is the "debt" test. Webster’s says that debt is anything you’re "bound to pay or perform; the state of owing something." Using that definition, very few Americans are free of debt. Why is getting debt-free the first step toward a sound investing strategy? Because it’s unwise to take on the risks that come with investing unless you have staying power. That means you don’t want to be in a position where circumstances unrelated to your investment strategy force you to sell your holdings and use the money elsewhere, such as for interest and debt payments. Also, for Christians, debts are moral as well as legal obligations and they must be honorably met no matter the circumstances. The late Dr. D. James Kennedy once gave a sermon in which he read a poem called "The Land of Beginning Again." He then presented Christ as the King of the Land of Beginning Again. All of us have experienced our share of errors, failures, and missed opportunities. We all have things that we would do differently if given a second chance. What wonderful news that, in Christ, the slate is wiped clean and we do have the opportunity of beginning again. In a similar fashion, many who have become weighed down by debt wish they could get free. They have learned that the satisfaction that comes with spending is brief indeed compared to the pressure of making monthly payments which often go on for years. For some, it seems hopeless. You may sometimes feel this way yourself. If so, take heart! You can make significant strides this year. It will require planning, discipline, sacrifice, and singleness of purpose, and there are some excellent books that can help: • Check out Mary Hunt's website DebtProofLiving.com, which also links to her very helpful blog, "Money Rules, Debt Stinks." Through her website and books, Mary has become the queen of frugal living. Her advice is practical and witty. That’s why we use her articles regularly in SMI. • Free and Clear: God’s Road Map to Debt-Free Living by Howard Dayton is a compassionate guide for those struggling with debt. Dayton’s Compass1.org website offers this and many other helpful resources. • Dave Ramsey has made a big splash helping listeners to his radio program get debt-free. His Financial Peace Revisited is worth a look. A friend of mine likes to say that the most powerful force in the universe (humanly speaking, of course) is singleness of purpose. Individuals or groups, no matter how determined, disciplined, or talented, will never realize their potential for growth and accomplishment without singleness of purpose. Their time, money, and energies must be focused on common goals. One thing that successful people seem to have in common is an emphasis on — perhaps that’s putting it too lightly, make that an obsession about — setting goals. Without singleness of purpose and specific goals, we can become like the person Scripture describes as double-minded. "That man should not think he will receive anything from the Lord; he is a double-minded man, unstable in all he does" (James 1:7-8). So let me encourage you to engage in a meaningful goal-setting exercise as you work to get debt-free. Here are some suggestions for effective goal-setting in any area of life; adapt them to your financial situation. Set goals that are consistent with God’s Word. Many successful people have accomplished much, yet remain unhappy. Having singleness of purpose toward the wrong goals only leads to wrong results. Examine your motivations, as well as your actions, in the light of God’s wisdom. Ask God for His guidance. This is not the same as having scripturally sound goals. This has more to do with having the wisdom needed to set the right personal priorities. God promises to guide us if we’re willing to submit to Him (Prov. 3:5-6). It’s not: "Show me Your will, Lord, so I can decide if I’m willing." Rather, it’s: "Before You even reveal Your will to me, Lord, the answer is yes." If married, set your goals together. If two people have become "one flesh," it’s critical that they have a singleness of purpose in their commitment toward common goals. Few areas will so quickly affect a couple’s relationship as a financial plan that limits their spending freedom because it brings mutually conflicting goals into the open. If you can’t reach a meeting of the minds on what your priorities should be, perhaps the marriage relationship itself needs some work. Put your goals in writing, signing your name and date. This helps cement in your thinking that you really have made a firm commitment of your will to achieving your goals. It is also helpful to have your goals posted where you will see them daily as additional motivation to stay the course when the inevitable temptations to compromise arise. Austin Pryor

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