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The Empowered Investor The Empowered Investor

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  • Author: Cuno Puempin
  • Size: 1.19MB | 166 pages
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About the Book


"The Empowered Investor" by Cuno Puempin provides a comprehensive guide for individuals looking to take control of their financial future through investing. The book covers topics such as understanding investment risks, creating a diversified portfolio, and utilizing various investment vehicles. Puempin emphasizes the importance of education and empowerment in making informed investment decisions.

George Whitefield

George Whitefield George Whitefield was born at Gloucester in 1714. His mother kept the Bell Inn, and appears not to have prospered in business; at any rate, she never seems to have been able to do anything for her son’s advancement in life. Whitefield’s early life, according to his own account, was anything but religious; though, like many boys, he had occasional prickings of conscience and spasmodic fits of devout feeling. He confesses that he was ‘addicted to lying, filthy talking, and foolish jesting’, and that he was a ‘Sabbath-breaker, a theatre-goer, a card-player, and a romance reader’. All this, he says, went on till he was fifteen years old. Poor as he was, his residence at Gloucester procured him the advantage of a good education at the Free Grammar School of that city. Here he was a day-scholar until he was fifteen. The only known fact about his schooldays is this curious one, that even then he was remarkable for his good elocution and memory, and was selected to recite speeches before the Corporation of Gloucester at their annual visitation of the Grammar School. At the age of fifteen Whitefield appears to have left school, and to have given up Latin and Greek for a season. In all probability, his mother’s straitened circumstances made it absolutely necessary for him to do something to assist her in business and to get his own living. He began, therefore, to help her in the daily work of the Bell Inn. ‘At length’, he says, ‘I put on my blue apron, washed cups, cleaned rooms, and, in one word, became a professed common drawer for nigh a year and a half.’ This, however, did not last long. His mother’s business at the Bell did not flourish, and she finally retired from it altogether. An old school-fellow revived in his mind the idea of going to Oxford, and he went back to the Grammar School and renewed his studies. At length, after several providential circumstances had smoothed the way, he entered Oxford as a servitor at Pembroke at the age of eighteen. Whitefield’s residence at Oxford was the great turning-point in his life. For two or three years before he went to the University his journal tells us that he had not been without religious convictions, But from the time of his entering Pembroke College these convictions fast ripened into decided Christianity. He diligently attended all means of grace within his reach. He spent his leisure time in visiting the city prison, reading to the prisoners, and trying to do good. He became acquainted with the famous John Wesley and his brother Charles, and a little band of like-minded young men. These were the devoted party to whom the name ‘Methodists’ was first applied, on account of their strict ‘method’ of living. At one time he seems to have been in danger of becoming a semi-papist, an ascetic, or a mystic, and of placing the whole of religion in self-denial. He says in his Journal, ‘I always chose the worst sort of food. I fasted twice a week. My apparel was mean. I thought it unbecoming a penitent to have his hair powdered. I wore woollen gloves, a patched gown, and dirty shoes; and though I was convinced that the kingdom of God did not consist in meat and drink, yet I resolutely persisted in these voluntary acts of self-denial, because I found in them great promotion of the spiritual life.’ Out of all this darkness he was gradually delivered, partly by the advice of one or two experienced Christians, and partly by reading such books as Scougal’s Life of God in the Soul of Man, Law’s Serious Call, Baxter’s Call to the Unconverted, Alleine’s Alarm to Unconverted Sinners, and Matthew Henry’s Commentary. ‘Above all’, he says, ‘my mind being now more opened and enlarged, I began to read the Holy Scriptures upon my knees, laying aside all other books, and praying over, if possible, every line and word. This proved meat indeed and drink indeed to my soul. I daily received fresh life, light, and power from above. I got more true knowledge from reading the Book of God in one month than I could ever have acquired from all the writings of men.’ Once taught to understand the glorious liberty of Christ’s gospel, Whitefield never turned again to asceticism, legalism, mysticism, or strange views of Christian perfection. The experience received by bitter conflict was most valuable to him. The doctrines of free grace, once thoroughly grasped, took deep root in his heart, and became, as it were, bone of his bone and flesh of his flesh. Of all the little band of Oxford Methodists, none seem to have got hold so soon of clear views of Christ’s gospel as he did, and none kept it so unwaveringly to the end. At the early age of twenty-two Whitefield was admitted to holy orders by Bishop Benson of Gloucester, on Trinity Sunday, 1736. His ordination was not of his own seeking. The bishop heard of his character from Lady Selwyn and others, sent for him, gave him five guineas to buy books, and offered to ordain him, though only twenty-two years old, whenever he wished. This unexpected offer came to him when he was full of scruples about his own fitness for the ministry. It cut the knot and brought him to the point of decision. ‘I began to think’, he says, ‘that if I held out longer I should fight against God.’ Whitefield’s first sermon was preached in the very town where he was born, at the church of St Mary-le-Crypt, Gloucester – ‘As I proceeded I perceived the fire kindled, till at last, though so young and amidst a crowd of those who knew me in my childish days, I was enabled to speak with some degree of gospel authority.’ Almost immediately after his ordination, Whitefield went to Oxford and took his degree as Bachelor of Arts. He then commenced his regular ministerial life by undertaking temporary duty at the Tower Chapel, London, for two months. While engaged there he preached continually in many London churches; and among others, in the parish churches of Islington, Bishopsgate, St Dunstan’s, St Margaret’s, Westminster, and Bow, Cheapside. From the very first he obtained a degree of popularity such as no preacher, before or since, has probably ever reached. Whether on week-days or Sundays, wherever he preached, the churches were crowded, and an immense sensation was produced. The plain truth is, that a really eloquent, extempore preacher, preaching the pure gospel with most uncommon gifts of voice and manner, was at that time an entire novelty in London. The congregations were taken by surprise and carried by storm. From London he removed for two months to Dummer, a little rural parish in Hampshire, near Basingstoke. From there he accepted an invitation, which had been much pressed on him by the Wesleys, to visit the colony of Georgia in North America, and assist in the care of an Orphan House which had been set up near Savannah for the children of colonists. After preaching for a few months in Gloucestershire, and especially at Bristol and Stonehouse, he sailed for America in the latter part of 1737, and continued there about a year. The affairs of this Orphan House, it may be remarked, occupied much of his attention from this period of his life till he died. Though well-meant, it seems to have been a design of very questionable wisdom, and certainly entailed on Whitefield a world of anxiety and responsibility to the end of his days. Whitefield returned from Georgia at the latter part of the year 1738, partly to obtain priest’s orders, which were conferred on him by his old friend Bishop Benson, and partly on business connected with the Orphan House. He soon, however, discovered that his position was no longer what it was before he sailed for Georgia. The bulk of the clergy were no longer favourable to him, and regarded him with suspicion as an enthusiast and a fanatic. They were especially scandalized by his preaching the doctrine of regeneration or the new birth, as a thing which many baptized persons greatly needed! The number of pulpits to which he had access rapidly diminished. Churchwardens, who had no eyes for drunkenness and impurity, were filled with intense indignation about what they called ‘breaches of order’. Bishops who could tolerate Arianism, Socinianism, and Deism, were filled with indignation at a man who declared fully the atonement of Christ and the work of the Holy Ghost, and began to denounce him openly. In short, from this period of his life, Whitefield’s field of usefulness within the Church of England narrowed rapidly on every side. The step which at this juncture gave a turn to the whole current of Whitefield’s ministry was his adoption of the system of open-air preaching. Seeing that thousands everywhere would attend no place of worship, spent their Sundays in idleness or sin, and were not to be reached by sermons within walls, he resolved, in the spirit of holy aggression, to go out after them ‘into the highways and hedges’, on his Master’s principle, and ‘compel them to come in’. His first attempt to do this was among the colliers at Kingswood near Bristol, in February, 1739. After much prayer he one day went to Hannam Mount, and standing upon a hill began to preach to about a hundred colliers upon Matthew 5:1-3. The thing soon became known. The number of hearers rapidly increased, till the congregation amounted to many thousands. Whitefield’s own account of the behaviour of these neglected colliers, who had never been in a church in their lives, is deeply affecting: ‘Having’, he writes to a friend, ‘no righteousness of their own to renounce, they were glad to hear of a Jesus who was a friend to publicans, and came not to call the righteous but sinners to repentance. The first discovery of their being affected was the sight of the white gutters made by their tears, which plentifully fell down their black cheeks as they came out of their coal-pits. Hundreds of them were soon brought under deep conviction, which, as the event proved, happily ended in a sound and thorough conversion.’ Two months after this Whitefield began the practice of open-air preaching in London, on 27 April, 1739. The circumstances under which this happened were curious. He had gone to Islington to preach for the vicar, his friend Mr Stonehouse. In the midst of the prayer the churchwardens came to him and demanded his licence for preaching in the diocese of London. Whitefield, of course, had not got this licence. The upshot of the matter was, that being forbidden by the churchwardens to preach in the pulpit, he went outside after the communion-service, and preached in the churchyard. From that day forward he became a constant field-preacher, whenever weather and the season of the year made it possible. Two days afterwards, on Sunday, April 29th, he records: ‘I preached in Moorfields to an exceeding great multitude. Being weakened by my morning’s preaching, I refreshed myself in the afternoon by a little sleep, and at five went and preached at Kennington Common, about two miles from London, when no less than thirty thousand people were supposed to be present.’ Henceforth, wherever there were large open spaces round London, wherever there were large bands of idle, godless, Sabbath-breaking people gathered together, in Hackney Fields, Mary-le-bonne Fields, May Fair, Smithfield, Blackheath, Moorfields, and Kennington Common, there went Whitefield and lifted up his voice for Christ. The gospel so proclaimed was listened to and greedily received by hundreds who never dreamed of going to a place of worship. The ministrations of Whitefield in the pulpits of the Church of England from this time almost entirely ceased. He loved the Church in which he had been ordained; he gloried in her Articles; he used her Prayer-book with pleasure. But the Church did not love him, and so lost the use of his services. The Church was too much asleep to understand him, and was vexed at a man who would not keep still and let the devil alone. The facts of Whitefield’s history from this period to the day of his death are almost entirely of one complexion. One year was just like another; and to attempt to follow him would be only going repeatedly over the same ground. From 1739 to the year of his death, 1770, a period of thirty-one years, his life was one uniform employment, and he was always about his Master’s business. From Sunday mornings to Saturday nights, from the 1st of January to the 31st of December, excepting when laid aside by illness, he was almost incessantly preaching Christ and going about the world entreating men to repent and come to Christ and be saved. There was hardly a considerable town in England, Scotland, or Wales, that he did not visit as an evangelist. When churches were opened to him he gladly preached in churches; when only chapels could be obtained, he cheerfully preached in chapels. When churches and chapels alike were closed, or were too small to contain his hearers, he was ready and willing to preach in the open air. For thirty-one years he laboured in this way, always proclaiming the same glorious gospel, and always, as far as man’s eye can judge, with immense effect. In one single Whitsuntide week, after preaching in Moorfields, he received one thousand letters from people under spiritual concern, and admitted to the Lord’s table three hundred and fifty persons. In the thirty-four years of his ministry it is reckoned that he preached publicly eighteen thousand times. His journeyings were prodigious, when the roads and conveyances of his time are considered. He visited Scotland fourteen times; he crossed the Atlantic seven times, backward and forward, in miserable slow sailing ships, and arrested the attention of thousands in Boston, New York, and Philadelphia. He went over to Ireland twice, and on one occasion was almost murdered by an ignorant Popish mob in Dublin. As to England and Wales, he traversed every county in them, from the Isle of Wight to Berwick-on-Tweed, and from the Land’s End to the North Foreland. His regular ministerial work in London for the winter season, when field-preaching was necessarily suspended, was something prodigious. His weekly engagements at the Tabernacle in Tottenham Court Road, which was built for him when the pulpits of the Established Church were closed, comprised the following work: Every Sunday morning he administered the Lord’s Supper to several hundred communicants at half-past six. After this he read prayers, and preached both morning and afternoon. Then he preached again in the evening at half-past five, and concluded by addressing a large society of widows, married people, young men and spinsters, all sitting separately in the area of the Tabernacle, with exhortations suitable to their respective stations. On Monday, Tuesday, Wednesday, and Thursday mornings, he preached regularly at six. On Monday, Tuesday, Wednesday, Thursday, and Saturday evenings, he delivered lectures. This, it will be observed, made thirteen sermons a week! And all this time he was carrying on a large correspondence with people in almost every part of the world. That any human frame could so long endure the labours that Whitefield went through does indeed seem wonderful. That his life was not cut short by violence, to which he was frequently exposed, is no less wonderful. But he was immortal till his work was done. He died at last very suddenly at Newbury Port, in North America, on Sunday, 29 September, 1770, at the comparatively early age of fifty-six. He was once married to a widow named James, of Abergavenny, who died before him. If we may judge from the little mention made of his wife in his letters, his marriage does not seem to have contributed much to his happiness. He left no children, but he left a name far better than that of sons and daughters. Never perhaps was there a man of whom it could be so truly said that he spent and was spent for Christ than George Whitefield. [Adapted from J. C. Ryle’s ‘George Whitefield and His Ministry’ in Select Sermons of George Whitefield; see also George Whitefield’s Journals, Robert Philip’s Life and Times of George Whitefield, and Arnold Dallimore’s 2-volume biography George Whitefield.]

triune decision-making - how god guides tough choices

When we face a big decision, sometimes the decision-making process can feel more like a game show than a guided path. We can easily slip into the thinking that God is hosting “Let’s Make a Deal,” where we have to choose one of a slew of suitcases, hoping we pick the right one. When we face multiple doors and potential pathways, the freedom to choose can feel like crippling anxiety and pressure. Thankfully, our God does not play games with us, nor does he leave us to our own devices when making decisions. Contrary to popular belief, decisions are not puzzles to solve, but privileges to steward with the guidance of our triune God. Triune Guidance God offers triune guidance to his children as we face the decisions of life, from the minute to the monumental. Rather than stand far off from us, watching as we make decisions in consternation, he comes near to us, offering to guide us gently through a process that ultimately leads to more of himself. “Contrary to popular belief, decisions are not puzzles to solve, but privileges to steward.” As the Father who stands outside of time, God knows all that will happen and assures us that none of his plans will be thwarted (Isaiah 14:27; Job 42:2). He providentially steers all of creation, even the decisions of humans made in his image, working all things according to his everlasting and good purposes (Ephesians 1:11; Romans 8:28). He knows the number of hairs on our heads, the length of our days, and the tears we shed as we wrestle to make decisions (Luke 12:7; Psalm 139:16; Psalm 56:8). As the Son who stepped into time, Jesus is the pioneer and perfecter of our faith (Hebrews 12:1–3). He knows what it feels like to live within the limits of time and space, as he made decisions daily during his time on earth. While the first Adam led the way into disastrous, self-centered decision-making, as the second Adam, Christ always made decisions in light of the goodness of his Father (Romans 6:17–21). His perfect decisions cleared the path so that we can make our present decisions in the presence of the triune God. As the Spirit who makes his home within us, the Holy Spirit guides us into all truth, convicting us of our selfish propensities and pointing us to God’s promises as we make decisions (John 16:12–15). He offers us comfort and peace when we feel dizzied by the sheer amount of decisions we make daily. Triune Perspective In addition to these timeless truths that anchor our souls in the sea of decisions, a Trinitarian perspective can also serve as a practical help in the process. When we face decisions large or small, we are limited by our own perspective as embodied creatures. We simply cannot see or imagine all the possible angles, try as we may. God does not live within these limitations. As John Frame wisely notes, God “sees all things from every possible perspective” ( Theology in Three Dimensions , 4–5). While the Trinity is a unity (meaning all of God does all that God does), Frame’s triperspectivalism creates a framework that helps us approach complex truths from three different angles or perspectives within the Trinity. The normative, the situational, and the existential perspectives (which correlate to Father, Son, and Holy Spirit) can serve as different entry points for considering decisions. The  normative  perspective relates to God’s authority. God acts as our loving authority, providing principles and revealing truths by which we can understand the normative human experience. As Creator and Father, God sets the standards by which his creatures operate best in his world. When we approach a decision from the normative perspective, we ask, “What does God’s word say about the decision set before me?” The  situational  perspective relates to God’s control. Through his eternal Word, God perfectly controls and orders the movement of every proton and every person. If God is in complete control over all things (which he is), then we can trust that he has perfectly ordered our present circumstances with their opportunities, challenges, and limitations. When we approach a decision from the situational perspective, we assess the realities and circumstances in which we find ourselves. The  existential  perspective relates to God’s presence. The triune God has always sought to be close to his people, and by the Holy Spirit, he now lives within every believer. He is closer than even the air we breathe. The Spirit searches and permeates the deep waters of human hearts and personalities (1 Corinthians 2:10–13; Proverbs 20:5). When we approach a decision from the existential perspective, then, we are asking more internal questions about personal desires and feelings. Three Perspectives in Action If we can get past the length of the word  triperspectivalism , we will begin to see the depth of practical wisdom we can glean from this approach to decisions. For example, when a couple is praying through a potential marriage, walking through the decision from the normative, the situational, and the existential can provide helpful insight. In Scripture, God is clear that marriage is between a man and a woman and that believers are to be equally yoked spiritually ( normative ). If the couple’s friends and family are not opposed to the union, and present circumstances seem to allow it ( situational ), the couple is then free to consider whether they desire to commit to each other in the covenant of marriage ( existential ). Let’s consider a different example. A young couple is eager to grow their family and has prayed and processed through adoption. They know that physical adoption is one of the most powerful pictures of the spiritual adoption we have received through Christ into the household of God (normative). They have been going through the prerequisite steps of training, they have conducted a home study, and they have even begun to check out agencies. There are countless options in their county, all of which they are able to pursue (situational); however, they both feel especially pulled toward the foster-care system, even though they know it will likely present unique challenges (existential). While God is pleased with all forms of adoption, they plan to forgo international and private adoption after much praying and processing within their local church. “God promises to use the decision-making process as a means to make us more like him and to give us more of him.” Finally, let’s look at a more ordinary, everyday decision through these three perspectives. A child has been invited to play in a sports tournament on a Sunday. The family has already prioritized worship in the local church (normative). The child knows that he will miss the first game because attendance at worship is a high point of the family’s weekly rhythms; however, he really wants to play in the afternoon game (existential). The parent of another player offers a ride to the second game that does not interfere with the rest of the plans for the day (situational). The parents are left to discuss what the child thinks is the best way to serve as a team member (existential). Guided Process to More of God When we are facing a significant decision, it is natural to be overwhelmed at the various paths set before us. But no matter which of the potential pathways you choose, remember that Jesus has opened up the most significant pathway for us already: he has opened up the path to fellowship with God through his own body (John 14:6). He has not left us alone to see how we fare in our decisions, as if he were a game show host. Rather, he takes us by the hand and leads us toward glory (Psalm 73:23–24). And along the way, he promises to use the decision-making process as a means to make us more like him and to give us more of him, who is our great reward (Genesis 15:1).

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