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"How to Buy a Business with No Money Down" by Jared Baron is a practical guide that outlines strategies for acquiring a business without needing a significant amount of capital upfront. The book offers tips on negotiating deals, finding financing options, and leveraging assets to make a successful purchase. Readers will learn valuable insights and techniques to help them navigate the process of buying a business with limited funds.

Oral Roberts

Oral Roberts Granville Oral Roberts was born January 24, 1918 in Pontotoc County, near Ada, in Oklahoma. His parents were deeply religious. His father was a farmer who also preached the gospel and established Pentecostal Holiness churches. His mother regularly prayed for the sick and led people to Christ. While she was still pregnant, Robert's mother committed Oral to God's service. Even though Oral had a very strong stutter his mother would tell him that one day God would heal his tongue and he would speak to multitudes. The Roberts family was desperately poor. When Roberts was 16 he moved away from home, hoping for a better life. He rejected God and his upbringing. He started living a wild life and his health collapsed. Roberts had contracted tuberculosis. He returned home and eventually dropped to 120 pounds. He was a walking skeleton. God spoke to his older sister, Jewel, and told her that He was going to heal Oral. During this same time Oral turned his heart back to God and gave his life to Christ. A traveling healing evangelist named George Moncey came to Ada and held meetings in a tent. Oral's elder brother was touched when he saw friends of his healed in the meeting. He decided that he should get Oral and bring him to be healed. On the way to the meeting God spoke to Oral and said "Son, I'm going to heal you and you are to take my healing power to your generation. You are to build me a University and build it on My authority and the Holy Spirit." Once at the meeting Oral waited until the very end. He was too sick to get up and receive prayer, and so had to wait for Moncey to come to him. At 11:00 at night his parents lifted him so he could stand. When Moncey prayed for him the power of God hit him and he was instantly healed. Not only that but every bit of his stutter was gone! After Roberts was healed he began to travel the evangelistic circuit. He met and married Evelyn Lutman, a school teacher from the same Holiness Pentecostal background as Roberts. They had their first child Rebecca and then the entire family began traveling as ministers. In 1942 they left the evangelistic field for a while and Roberts became a pastor. He also returned to college to further his education. While a pastor he prayed for a church member whose foot was crushed. The foot was instantly healed. God continued to speak to Roberts about his call to the multitudes. God called him to an unusual fast. Roberts was to read the four gospels and the book of Acts three times consecutively, while on his knees, for thirty days. God began to reveal Jesus as the healer in a new way. God also began to give Roberts dreams where he would see people's needs as God saw them. God called him to hold a healing meeting in his town. A woman was dramatically healed, several people were saved and Roberts' ministry changed overnight. Roberts resigned his church in 1947 and began an itinerant ministry. Notable healings began to occur. One man tried to shoot Roberts. God used the story to bring him media attention, which expanded his ministry very quickly. Roberts felt called to purchase a tent and take his evangelistic ministry to larger cities. His first tent held 3,000 but he quickly exchanged it for a tent that held 12,000. In July 1948 The Oral Roberts Evangelistic Association was established. Oral began traveling continuously throughout the United States. Like many of his Pentecostal brethren Roberts held inter-racial meetings. This brought him a lot of negative attention from groups who didn't like his stand. He even received death threats for not holding segregated meetings. In 1956 Roberts was invited to Australia. He held meetings in Sydney and Melbourne. In Melbourne there were outright physical attacks and destructive gangs. He was literally driven out of the city for praying for the sick. Often when people discuss the healing revival of the 1950s Oral Roberts and William Branham are listed as the most widely recognized leaders of the movement. Others came along side and many emulated them, but they were the most widely recognized personalities. Roberts was a man who understood and used the media for his benefit. Roberts began publishing a magazine almost immediately upon starting his ministry. He grasped the power of radio and television. In 1954 Roberts began filming his crusades. He began playing his sermons on radio and then airing the crusade tapes during evening television prime time. Unfortunately there is some evidence that healing meetings were scripted ahead of time, and not all healings were genuine. People began writing to the Ministry headquarters by the thousands. They were accepting Christ as their savior after seeing a person healed on TV. By 1957 the ministry was receiving 1,000 letters a day and he was getting thousands of phone calls. He established a round the clock prayer team to answer calls and pray for people who contacted the ministry. In 1957 Roberts claimed 1,000,000 salvations. Between 1947 and 1968 Roberts conducted over 300 major Crusades. Money was flowing into the organization at an unprecedented rate. In the late 1950s the healing movement was waning and ministries were under attack for their lack of financial accountability. Roberts began to move on the vision God gave him to build a University. It was chartered in 1963 and became open to students in 1965. Roberts was having a significant national impact in the late 1950s and early 1960s. For several years his named appeared in the Top 100 list of the nation's most respected people. Although Roberts continued to hold healing meetings his focus shifted to the University and the television programs. The 1970s and 80s brought many crises to the Roberts family. Their daughter Rebecca and son-in-law Marshall were killed in a plane crash. Their son Ronnie struggled with depression after serving in Vietnam and also declaring himself gay. He grew despondent after losing his job and committed suicide. Richard Roberts got a divorce. After Richard remarried he and his wife lost a new born son within two days. Roberts began teaching a doctrine of "seed faith" where he claimed that if you gave to his ministry then God would pay you back in multiplied ways. The television ministry received heavy criticism for the constant requests for money. The Roberts were living an extravagance lifestyle while many of their supporters were not wealthy. Financial questions were raised in how Roberts used University endowment funds to purchase personal homes and cars. In 1977 Roberts had a vision to build a hospital where people not only received care but received healing prayer. It was to be called City of Faith. Roberts put his heart and soul into the project, believing that God would build it as He had the University. The hospital struggled along and Roberts called his followers to give to the project, believing he had a vision from God to raise the money. Roberts even claimed twice that if money didn't come in that Jesus would "take him home." The hospital was built, but never succeeded financially, and finally closed in 1989. Financial giving was plummeting for both the Oral Roberts Evangelistic Association and Oral Roberts University. Roberts retired in 1993, at the age of 75. Roberts, with his wife Evelyn, moved to California to live near the coast. Evelyn died in May 2005. Although Roberts influence waned after the problems of the 1970s and 1980s, he was still recognized for his pioneering work on the "sawdust trail", television evangelism, and building a Christian University. He often appeared on religious broadcasting networks as a recognized leader in the healing movement of the last half century. He died December 15, 2009 at the age of 91. Oral Roberts' legacy is a mixed one. Roberts brought the truth of God's healing to the public in a way that few others accomplished in his lifetime. His financial and personal issues and increasingly extravagant claims eventually brought his ministry into disrepute. The University he established continued to have financial crises under the leadership of his son Richard Roberts. It was only after Richard stepped down in 2009 and new leadership took over the University that it stabilized financially. The University is no longer connected to the Oral Roberts Evangelistic Association.

hero in an unmarked grave - the unusual modesty of john calvin

On May 27, 1564, just after eight o’clock in the evening, a nurse urgently summoned Theodore Beza (1519–1605) to Calvin’s bedside. “We found he had already died,” Calvin’s friend and fellow pastor later wrote. “On that day, then, at the same time with the setting sun, this splendid luminary was withdrawn from us.” 1  Calvin was 54 years old. Calvin’s death sent a shock wave throughout Geneva and beyond. Beza writes, “That night and the following day there was a general lamentation throughout the city . . . all lamenting the loss of one who was, under God, a common parent and comfort.” He records that two days later “the entire city” gathered at the St. Pierre Cathedral to honor their beloved pastor. Despite Calvin’s prominence, the funeral was unusually simple, “with no extraordinary pomp.” 2  But Calvin’s burial was particularly unusual. Unmarked Grave Eighteen years earlier, on February 18, 1546, fellow Reformer Martin Luther died at the age of 63. As was common practice for ministers, Luther’s remains were interred inside the church where he had faithfully served. His casket lies in Wittenberg’s Castle Church, near the pulpit, seven feet below the floor of the nave. Luther’s successor and fellow Reformer, Philip Melanchthon (1490–1560), is buried beside him. So also William Farel (1489–1565), who first called Calvin to Geneva in 1536, is buried in the cathedral of NeuchĂątel, where he spent the final years of his ministry. When Calvin’s friend and successor Theodore Beza died in 1605, he was buried next to the pulpit of St. Pierre, the Genevan church in which he and Calvin ministered together. But Calvin’s remains lie elsewhere. Rather than being interred in St. Pierre, Calvin’s body was carried outside the city wall to a marshy burial ground for commoners called Plainpalais. With close friends in attendance, Calvin’s body was wrapped in a simple shroud, enclosed in a rough casket, and lowered into the earth. Beza writes that Calvin’s plot was unlisted and, “as he [had] commanded, without any gravestone.” 3 Why did Calvin command that he be buried, contrary to common practice, in an unmarked grave? Some speculate that he wanted to discourage religious pilgrims from visiting his resting place or to prevent accusations from the Roman church that he desired veneration as a saint. 4  But the answer lies somewhere deeper — in Calvin’s understanding of Christian modesty. Forgotten Meaning of Modesty When we speak of modesty today, we most often mean dressing or behaving in such a way as to avoid impropriety or indecency. But modesty more generally refers to the quality of being unassuming or moderate in the estimation of oneself. For centuries, the church understood the connection. Immodest dress was not simply ostentatious or sexually suggestive; it reflected an overemphasis on appearance. As Jesus warned, outward appearance can mask impiety (Matthew 6:16) or pride (Luke 18:12). This is why both Gentile women converts in Ephesus and the Jewish Christians addressed in Hebrews are urged to consider how their outward appearance relates to the disposition of the heart. Excessive adornment could be evidence of self-importance (1 Timothy 2:9). Acceptable worship requires a posture of reverence, not pretension (Hebrews 12:28). Thus, a modest person represents himself neither too highly nor too meanly because he understands both the dignity and the humility of being transformed by the grace of God. “Modesty is simply the outward reflection of true Christian humility.” Modesty, then, is simply the outward reflection of true Christian humility. It obliterates pride by embracing the reality that a Christian is both creaturely and beloved. In this light, self-importance becomes absurd. Grandiosity becomes laughable. Celebrity becomes monstrous. We Are Not Our Own For Calvin, the gospel radically reshapes our view of self. As those created in God’s image, provisioned by his goodness, redeemed by his mercy, transformed by his grace, and called to his mission, those who belong to Christ no longer live for themselves. “Now the great thing is this,” Calvin writes, “we are consecrated and dedicated to God in order that we may thereafter think, speak, meditate, and do, nothing except to his glory.” Calvin continues, If we, then, are not our own but the Lord’s, it is clear what error we must flee and whither we must direct all the acts of our life.  We are not our own : let not our reason nor our will, therefore, sway our plans and deeds.  We are not our own : let us not therefore see it as our goal to seek what is expedient for us according to the flesh.  We are not our own : in so far as we can, let us therefore forget ourselves and all that is ours. Conversely, we are God’s : let us therefore live for him and die for him.  We are God’s : let his wisdom and will therefore rule all our actions.  We are God’s : let all the parts of our life accordingly strive toward him as our only lawful goal. Oh how much has that man profited who, having been taught that he is not his own, has taken away dominion and rule from his own reason that he may yield it to God! For, as consulting our self-interest is the pestilence that most effectively leads to our destruction, so  the sole haven of salvation is to be wise in nothing through ourselves but to follow the leading of the Lord alone . 5 “Modesty blossoms when we experience the freedom from having to prove ourselves to God or one another.” Modesty and humility flow from a heart transformed by the Spirit of Christ. “As soon as we are convinced that God cares for us,” Calvin writes, “our minds are easily led to patience and humility.” 6  The Spirit shapes us with a kind of moderation that “gives the preference to others” and that guards us from being “easily thrown into agitation.” 7  Modesty blossoms when we experience the freedom from having to prove ourselves to God or one another. ‘Modesty, His Constant Friend’ Calvin’s life reflected this reality. Despite the doors that were opened to him through his writing and network of connections, he was committed to “studiously avoiding celebrity.” 8  When the  Institutes  was published in 1536, he was so successful in his object to “not acquire fame” that no one in Basel knew that he was its author. For the rest of his life, wherever he went, he took care to “conceal that I was the author of that performance.” 9  Calvin even sought to avoid a wider ministry in Geneva, having “resolved to continue in the same privacy and obscurity.” He was drawn into the limelight only when William Farel warned him “with a dreadful imprecation” that turning down the post would be refusing God’s call to service. 10  In brief autobiographical comments he wrote the year that he died, we see a glimmer of his own surprise over God’s sovereign hand through his life. God so led me about through different turnings and changes that he never permitted me to rest in any place, until, in spite of my natural disposition, he brought me forth to public notice. . . . I was carried, I know not how, as it were by force to the Imperial assemblies, where, willing or unwilling, I was under the necessity of appearing before the eyes of many. 11 It is no surprise, then, that a few days before his death, Calvin exhorted his friends to not be those who “ostentatiously display themselves and, from overweening confidence, insist that all their opinions should be approved by others.” Instead, he pleaded with them to “conduct themselves with modesty, keeping far aloof from all haughtiness of mind.” 12  For Beza, Calvin’s modesty — forged by his vision of God’s glory, Christ’s redeeming love, and the Spirit’s animating power — was his defining characteristic. After Calvin’s burial, Beza captured it in verse: Why in this humble and unnoticed tomb Is Calvin laid — the dread of falling Rome; Mourn’d by the good, and by the wicked fear’d By all who knew his excellence revered? From whom ev’n virtue’s self might virtue learn, And young and old its value may discern? ’Twas modesty, his constant friend on earth, That laid this stone, unsculptured with a name; Oh! happy ground, enrich’d with Calvin’s worth, More lasting far than marble is thy fame! 13 Free to Be Forgotten In old Geneva, on the grounds of the college Calvin founded, stands an immense stone memorial to four leaders of the Protestant Reformation. At its center are towering reliefs of Calvin, Beza, Farel, and John Knox (1513–1572). Calvin would surely detest it. But the monument is a metaphor. We live in a culture that fears obscurity and irrelevance. We measure ourselves against others and build our own platforms in the hope that we will not be forgotten. We attempt to distinguish ourselves at the expense of the humility and modesty that honors Christ. Calvin would have us be free from such striving. For however anyone may be distinguished by illustrious endowments, he ought to consider with himself that they have not been conferred upon him that he might be self-complacent, that he might exalt himself, or even that he might hold himself in esteem. Let him, instead of this, employ himself in correcting and detecting his faults, and he will have abundant occasion for humility. In others, on the other hand, he will regard with honor whatever there is of excellences and will, by means of love, bury their faults. The man who will observe this rule, will feel no difficulty in preferring others before himself. And this, too, Paul meant when he added, that they ought not to have everyone a regard to themselves, but to their neighbors, or that they ought not to be devoted to themselves. Hence it is quite possible that a pious man, even though he should be aware that he is superior, may nevertheless hold others in greater esteem. 14 We may rightly regard Calvin as a hero of the faith, but he didn’t ultimately see himself that way. Humility had taught him to walk modestly before God and others — and, in the end, the freedom to lie down in a forgotten grave. Theodore Beza, “The Life of John Calvin” in  Tracts Related to the Reformation  (Edinburgh: Calvin Translation Society, 1844), 1:xcv. ↩ Beza,  Tracts , 1:xcvi. ↩ Beza,  Tracts , 1:xcvi. ↩ Eighteenth-century guidebooks indeed list the disused Plainpalais cemetery as an important stop for tourists, though they warn that pilgrims will search for Calvin’s resting place in vain. By the nineteenth century, keepers of the burial ground staked out a “likely-enough” site for Calvin’s grave (complete with a rudimentary marker) simply to avoid the irritation of being so frequently asked. ↩ John Calvin,  Institutes of the Christian Religion , ed. John T. McNeill, trans. Ford Lewis Battles (Louisville, KY: Westminster John Knox Press, 2011), 3.7.1 (emphasis mine). ↩ John Calvin,  Commentaries on the Catholic Epistles , trans. John Owen (Edinburgh: T. Constable,1855), 149. ↩ John Calvin,  Commentaries on the Epistles of Paul the Apostle to the Philippians, Colossians, and Thessalonians , trans. John Pringle (Edinburgh: T. Constable, 1851) 52–53. ↩ John Calvin,  Commentary on the Psalms , trans. James Anderson (Edinburgh: Edinburg Printing Company, 1845), 1:xli, xlii. ↩ Calvin,  Psalms , 1:xlii. ↩ Calvin,  Psalms , 1:xlii. ↩ Calvin,  Psalms , 1:xli, xliii. ↩ Beza,  Tracts , 1:xci. ↩ Beza was widely known for his literary works. As a humanist, he became famous for his collection of Latin poems in  Juvenilia , published just before his conversion in 1548. He continued to write poetry, satires, and dramas until the end of his life. Francis Sisbon’s nineteenth-century translation attempts to capture the sense of the Latin in a more familiar poetic form (Theodore Beza,  The Life of John Calvin , trans. Francis Sibson, [Philadelphia: J. Whetham, 1836], 94). For the original text, see Calvin and Beza,  Tracts , 1:xcvi. ↩ Calvin,  Commentaries on the Epistles of Paul , 53. ↩

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