How To Buy A Business With No Money Down Order Printed Copy
- Author: Jared Baron
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About the Book
"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.
Susannah Wesley
If a passing stranger walking through the rural village of Epworth, England, on any given day between 1700 and 1720 had peered through the window of the home of the rector of the local Anglican church, he might have caught sight of something quite strange. Depending on the time of day, this observer might have seen a woman sitting in a chair with her kitchen apron pulled up over her head while ten children read, studied, or played all around her.
Two of those ten children would have been little boys â John and Charles â who would grow up to shape the course of Christian history and thus change the world. The woman under the apron would have been Susanna Wesley, who assumed this odd posture for two hours almost every day. In a moment you will understand why.
Susanna understood the dynamics of large families. Born the twenty-fifth of twenty-five children in 1669, Susanna Annesley grew up the daughter of a prominent, highly educated minister in cosmopolitan London. She had little formal education, but growing up in an academic household with so many older siblings left her well-read and well-rounded intellectually. She met Samuel Wesley, an aspiring Anglican minister, and married him in 1688, when she was nineteen years old.
Susannaâs remaining fifty-three years were far from easy ones. They were characterized by loss, hardship, and struggle. Yet she became a woman of immense legacy, largely through the dual virtues of organization and prayer.
Susanna delivered nineteen children, but nine â including two sets of twins â died in infancy. Another was accidentally smothered in the night by a nurse as Susanna recovered from labor and delivery.
Her husband, Samuel, did not succeed in his thirty-nine-year assignment as rector of the church at Epworth. An intellectual academic, he simply did not understand or identify with the rural villagers in his parish. Nor did they care for him. When he involved himself from the pulpit in a highly divisive political matter inflaming the entire nation in that era, he earned the hatred of a vast segment of the populace. On two occasions the Wesleysâ parsonage burned down, most likely because of arson on the part of Epworthâs embittered parishioners. Susanna and the children were seldom spared harassment and insults.
Samuel was not good with money, and he once spent several months in debtorsâ prison. The parsonage came with a small farm, but Samuel was uninterested in and ill-suited for farm work, so this too was left for Susanna to manage. This was in addition to the huge task of homeschooling all of the children, with their varying ages and gifts.
For decades, Samuel expended all of his energies and most of the familyâs meager wealth working on an exegetical treatise on the book of Job. The sad irony is that while he was away for long periods of time studying and writing about Jobâs intense sufferings, his living, breathing wife was enduring real pain and hardship, largely on her own.
Susannaâs household organizational skills are the stuff of legend. She knew from personal experience that quality one-on-one time with a parent is hard to come by in a family with many children, yet powerfully important. So she set a rotating schedule through which each of her children spent an hour with her alone before bedtime on a designated night each week.
What is more, she somehow found a way to manage the household and give her large brood of children a world-class education that included both classical and biblical learning. Her girls got the same rigorous education as did her boys, something virtually unheard of in that day. Traditionally, girls of that place and time were taught âfeminineâ skills such as needlework and music before undertaking the most basic education, such as learning to read. Susanna firmly believed this was wrong-headed. Her girls were taught the same curriculum as her boys. Among the âbylawsâ by which she ran her home school was this: â8. That no girl be taught to work till she can read very well; and then that she be kept to her work with the same application, and for the same time, that she was held to in reading. This rule also is much to be observed; for the putting of children to learn sewing before they can read perfectly, is the very reason why so few women can read fit to be heard, and never to be well understood.â1
School hours were from 9:00 a.m. to noon and then 2:00 p.m. to 5:00 p.m., six days a week. All but the smallest children completed their assigned chores promptly before the start of the school day. As in many one-room schoolhouses in generations past, older children helped teach the younger.
No Excuse for Not Praying!
Susanna took her relationship to God as seriously as she did her duties as a wife and mother.
Early in her life, she vowed that she would never spend more time in leisure entertainment than she did in prayer and Bible study. Even amid the most complex and busy years of her life as a mother, she still scheduled two hours each day for fellowship with God and time in His Word, and she adhered to that schedule faithfully. The challenge was finding a place of privacy in a house filled to overflowing with children.
Mother Wesleyâs solution to this was to bring her Bible to her favorite chair and throw her long apron up over her head, forming a sort of tent. This became something akin to the âtent of meeting,â the tabernacle in the days of Moses in the Old Testament. Every person in the household, from the smallest toddler to the oldest domestic helpers, knew well to respect this signal. When Susanna was under the apron, she was with God and was not to be disturbed except in the case of the direst emergency. There in the privacy of her little tent, she interceded for her husband and children and plumbed the deep mysteries of God in the Scriptures. This holy discipline equipped her with a thorough and profound knowledge of the Bible.
Prayer Leads to Teaching
When husband Samuel was away, as was often the case, a substitute minister brought the Sunday morning sermon at the church. Susanna found these messages uninspiring and lacking in spiritual meat. She had a good-sized congregation of her own at home, so she began teaching them the Bible in her kitchen on Sunday afternoons. Soon neighbors began asking if they could attend. Word circulated and others from the area began asking permission to attend as well. So thorough was Susannaâs knowledge of the Bible, and so gifted was she at communicating its truths, that on any given Sunday after church, Susanna would have as many as two hundred people in attendance at her informal family Bible study, which started in her home but soon moved to a larger venue.
Susanna passed away in 1742 at the age of seventy-three, living long enough to see her sons John and Charles become world-renowned leaders of the global Christian movement. This is her legacy, forged in large part in those diligent hours of intercession under that makeshift apron tent.
The Lasting Legacy of Prayer
John Wesley is estimated to have preached to nearly a million people in his long, fruitful life.
His powerful, evangelistic services were frequently held in the open air to accommodate audiences in the tens of thousands. Traveling on horseback, he regularly preached three or more times a day, often beginning before daybreak. Even at the age of seventy he preached, without the assistance of modern amplification, to an estimated throng of thirty-two thousand people.
It is hard to overstate John Wesleyâs theological impact. He remains the dominant theological influence on Methodists and Methodist-heritage groups the world over, including the United Methodist Church, the Methodist Church of Great Britain, and the African Methodist Episcopal Church, all of which played a pivotal role in the abolitionist movement of the nineteenth century.
Wesleyan theology also formed the foundation for the holiness movement in the United States, which includes denominations like the Wesleyan Church, the Free Methodist Church, the Church of the Nazarene, the Christian and Missionary Alliance, the Church of God (Anderson, Indiana), and other groups which compose the colorful mosaic of Pentecostalism and the charismatic movement in North America.
As prolific a writer as he was busy as a preacher, John Wesley has been called the Father of the Religious Paperback. His published sermons, tracts, pamphlets, and booklets number roughly five thousand items. In addition to theology, Wesley wrote about music, marriage, medicine, science, abolitionism, and current events.
Although John married, he and his wife, Mary, had no children. Because of his giving nature toward the poor, the oppressed, and the unevangelized, he left little of material wealth behind when he died in 1791 at the age of eighty-seven. One biographer said John Wesley âwas carried to his grave by six poor men âleaving behind him nothing but a good library of books, a well-worn clergymanâs gown⌠and â the Methodist Church.ââ2 The same writer observed that Johnâs impact was so profound that he in effect âsupplied a new starting-point to modern religious history.â3
Johnâs younger brother Charles was very much a partner in and vital contributor to these accomplishments. A brilliant musician and lyricist, he wrote more than 6,600 hymns, many of which are still in hymnals the world over today.
Charles and his wife, Sarah, had three children who survived infancy, including two boys, Samuel and Charles Jr., who were musical prodigies. Charles Jr. grew up to serve as the personal organist of the English royal family. His brother, Samuel Sebastian Wesley, became one of the most accomplished British composers of the nineteenth century. A contemporary of Mozart, Samuel is sometimes called âThe English Mozart.â4
John and Charles Wesley were passionate lovers of God and powerful persuaders of people.
As a result, the brothers were viewed by many of their contemporaries as religious fanatics. History has been far kinder in its verdict. It views them as world changers. And every one of the changes they wrought is part of the legacy of Susanna Wesley. In his 1864 biography, John Kirk wrote of Susanna, âHer name has been everywhere received with respect; and by a large and influential Christian Community it has been cherished with strongest affection. Her success in the education of her children has been the theme of universal admiration; and no one has yet ventured to hazard even a conjecture as to how much the cause of religion and the well-being of the human race are indebted to her steady piety and extraordinary talents.â5
We hope that as you read [the story of] Susanna Wesley, youâll grab on to the power of them. For Susanna Wesley, there was no amount of distraction that could keep her from prayer and the Bible. That kind of life, deeply rooted, produced great fruit, as evidenced not only by the people who came to hear her teach but also by the children she influenced. The great truth in her story is how prayer does not occupy the stage of activity. Its power is in the quiet trust of gentle souls who are willing to pull away from the everyday to commune with God.
John Wesley, The Heart of Wesleyâs Journal, ed. Ed Hughes and Hugh Price (Peabody, MA: Hendrickson, 2008), 127.
William Henry Fitchett, Wesley and His Century: A Study in Spiritual Forces (London: Smith, Elder & Co., 1906), 1.
Ibid.
Peter Matthews, Whoâs Buried Where in London (London: â¨Bloomsbury, 2017), 37.
John Kirk, The Mother of the Wesleys: A Biography (Ambler, MA: â¨Tresidder, 1864), vii.
Excerpted with permission from Only One Life by Jackie Green and Lauren Green McAfee, copyright Jackie Green, Lauren Green McAfee, Bill High.
Can Anyone Really Be âBlamelessâ
When you read the Psalms, do you identify with the psalmist when he claims blamelessness and uprightness and integrity and righteousness? Blamelessness Blessed are those whose way is blameless! (Psalm 119:1) I was blameless before him, and I kept myself from my guilt. (Psalm 18:23) I shall be blameless, and innocent of great transgression. (Psalm 19:13) Uprightness My shield is with God, who saves the upright in heart. (Psalm 7:10) The upright shall behold his face. (Psalm 11:7) Let all the upright in heart exult! (Psalm 64:10) Integrity Judge me, O Lord, according to the integrity that is in me. (Psalm 7:8) Vindicate me, O Lord, for I have walked in my integrity. (Psalm 26:1) You have upheld me because of my integrity. (Psalm 41:12) Righteousness The Lord upholds the righteous. (Psalm 37:17) He will never permit the righteous to be moved. (Psalm 55:22) The Lord loves the righteous. (Psalm 146:8) Are you among the righteous, the upright, the blameless, and those who walk in integrity? If you are a Christian, you should answer Yes. Imputed Righteousness: Foundation, Not Summation I do not say this simply because in Christ we are counted righteous. The psalmist is not talking only about imputed righteousness. The justification of the ungodly on the basis of Christ alone by faith alone is a precious and magnificent truth. And, to be sure, it was already true for the psalmists in the Old Testament, because Christâs death counted for them in the mind of God before it happened in history. Thatâs the point of Romans 3:25. âThe psalmists were justified by faith alone. But their faith worked through love.â When Paul wanted to support his teaching about the âjustification of the ungodly,â he quoted Psalm 32. God justifies the ungodly . . . just as David also speaks of the blessing of the one to whom God counts righteousness apart from works: âBlessed are those whose lawless deeds are forgiven, and whose sins are covered; blessed is the man against whom the Lord will not count his sin.â (Romans 4:5â8) But this imputed righteousness, based on Christ alone, is not the sum of what the psalmists refer to when they speak of their blamelessness and uprightness and integrity and righteousness. Forgiveness and imputation are the foundation, but not the summation of Christian righteousness. Justifying Faith Leads to Integrity and Uprightness That is true in the New Testament and the Old. The faith that unites us to Christ and his perfect uprightness is real only if it also produces new attitudes and behaviors in us. Hereâs the way Paul put it: âIn Christ Jesus neither circumcision nor uncircumcision counts for anything, but only faith working through loveâ (Galatians 5:6). The faith that links us to Christ for justification also leads to sanctification. That was true in the Old Testament as well. The psalmists were justified by faith alone. But their faith âworked through love.â It produced blamelessness and uprightness and integrity and righteousness. This was a work of the sanctifying Spirit of God. They knew it was Godâs work not their own: Create in me a clean heart, O God, and renew a right spirit within me. Cast me not away from your presence, and take not your Holy Spirit from me. Restore to me the joy of your salvation, and uphold me with a willing spirit. (Psalm 51:10â12) The same dynamics of justification and sanctification at work in the godly psalmists are at work in Christians today, even though we have the privilege of knowing so much more about how the Lord purchased all this by his blood, and how it is working out in the power of the risen Christ. Psalmists Are Not Legalists Therefore, it is a mistake to read the Psalms and somehow think that these writers were legalists or egomaniacs or naĂŻve when they referred to their blamelessness and uprightness and integrity and righteousness. Along with the psalmists, Christians must be blameless, upright, righteous persons of integrity. Example of Psalm 25 âHe is not perfect. He is not without sin. He is not proud. He is the beneficiary of mighty mercy.â Consider Psalm 25 as an example of what this looks like. It is a beautiful psalm of deep humility and longing for God. Four times in these 22 verses David acknowledges his sin. His confession and his sense of need for grace is not just mentioned at the beginning of the psalm and then left behind as he moves on in triumph. Remember not the sins of my youth or my transgressions. (Psalm 25:7) Good and upright is the Lord; therefore he instructs sinners in the way. (Psalm 25:8) For your nameâs sake, O Lord, pardon my guilt, for it is great. (Psalm 25:11) Consider my affliction and my trouble, and forgive all my sins. (Psalm 25:18) Since his sins are a constant reality to him, so is the mercy and love and grace and goodness of God. Remember your mercy, O Lord, and your steadfast love. (Psalm 25:6) According to your steadfast love remember me, for the sake of your goodness, O Lord! (Psalm 25:7) All the paths of the Lord are steadfast love. (Psalm 25:10) Turn to me and be gracious to me. (Psalm 25:16) David knew that if his guilt was to be pardoned, it would not be on the basis of his own virtue, but on the basis of Godâs allegiance to his own name: âFor your nameâs sake, O Lord, pardon my guilt, for it is greatâ (Psalm 25:11). Sinnerâs Response to God How then does David describe his response to God? Answer: trusting, waiting, humility, covenant keeping, fearing the Lord, and taking refuge in him. My God, in you I trust. (Psalm 25:2) For you I wait all the day long. (Psalm 25:5, 21) He leads the humble in what is right, and teaches the humble his way. (Psalm 25:9) All the paths of the Lord are steadfast love and faithfulness, for those who keep his covenant. (Psalm 25:10) Who is the man who fears the Lord? Him will he instruct in the way that he should choose. (Psalm 25:12, 14) Let me not be put to shame, for I take refuge in you. (Psalm 25:20) Most of us are thrilled with this kind of Psalm. It acknowledges sin. It ascribes mercy and grace to God. The psalmist trusts in that mercy and holds fast to the forgiving God. Integrity and Uprightness Preserve Me But then comes verse 21: âMay integrity and uprightness preserve me, for I wait for youâ (Psalm 25:21). What I am arguing is that his appeal to his own integrity and uprightness is not a lapse in humble, faith-filled godliness. I am arguing that this is a proper claim of the godly in every age. This is not pride. This is not self-reliance. This is not legalism. This is not salvation-by-works. This is a godly man, trusting the mercy of God, knowing his sins are forgiven, walking in the power of Godâs sanctifying Spirit. He is a man of integrity and uprightness. He is not perfect. He is not without sin. He is not proud. He is the beneficiary of mighty mercy â transforming mercy. It was âfor Godâs nameâs sakeâ that his great guilt was pardoned (Psalm 25:11). And it is âfor Godâs nameâs sakeâ that he walks in integrity and uprightness. As Psalm 23:3 says, âHe leads me in paths of righteousness for his nameâs sake.â Donât Stumble over Integrity âThe faith that unites us to Christâs perfect uprightness is real only if it produces new attitudes and behaviors.â We do not need to stumble over these protests of integrity in the Psalms. In both Old and New Testament times, God justifies the ungodly, sanctifies the faithful, and rewards their new Spirit-wrought righteousness. It is not legalism or works-righteousness to say with the psalmist, âYou have upheld me because of my integrityâ (Psalm 41:12). It is not pride or self-sufficiency to say, âThe Lord has rewarded me according to my righteousness, according to the cleanness of my hands in his sightâ (Psalm 18:23â24). The New Testament is just as strong that âdoing goodâ in the power of Godâs Spirit, from a heart of faith, will be rewarded with eternal life and all the varied benefits that belong to our varied faithfulness. The one who sows to his own flesh will from the flesh reap corruption, but the one who sows to the Spirit will from the Spirit reap eternal life. And let us not grow weary of doing good, for in due season we will reap, if we do not give up. (Galatians 6:8â9) Whatever good anyone does, this he will receive back from the Lord. (Ephesians 6:8) The one who receives a righteous person because he is a righteous person will receive a righteous personâs reward. (Matthew 10:41) Love your enemies, and do good, and lend, expecting nothing in return, and your reward will be great. (Luke 6:35) We must all appear before the judgment seat of Christ, so that each one may receive what is due for what he has done in the body, whether good or evil. (2 Corinthians 5:10) Whatever you do, work heartily, as for the Lord and not for men, knowing that from the Lord you will receive the inheritance as your reward. (Colossians 3:23â24) Trust in the Lord, and Do Good Therefore, when you read in the Psalms that the psalmists offer up their blamelessness and uprightness and integrity and righteousness to God, donât over-spiritualize it. Donât treat it as perfectionism. Donât think of it as legalism. Donât demean it as a defective part of the âold covenant.â Take it for what it is: a godly man, who knows he is a sinner, pardoned for Godâs nameâs sake, justified by grace, trusting Godâs mercy, depending on Godâs Spirit, taking refuge in Godâs protection, delighting in Godâs beauty, keeping Godâs covenant, and therefore walking in integrity and honesty and uprightness. When viewed in this way, the Psalms become precious beyond measure as they help us âtrust in the Lord, and do goodâ (Psalm 37:3). Article by John Piper Founder & Teacher, desiringGod.org