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About the Book


"Three Straightforward Steps To Outrageous Financial Abundance" by Francis Jonah offers practical advice on achieving financial success through three key steps: setting clear financial goals, developing a solid financial plan, and taking consistent action towards achieving those goals. The book provides readers with actionable tips and strategies to create a mindset of abundance and attract wealth into their lives.

John Newton

John Newton “Amazing Grace” is one of the most beloved hymns of the last two centuries. The soaring spiritual describing profound religious elation is estimated to be performed 10 million times annually and has appeared on over 11,000 albums. It was referenced in Harriet Beecher Stowe’s anti-slavery novel Uncle Tom’s Cabin and had a surge of popularity during two of nation’s greatest crises: the Civil War and the Vietnam War. Between 1970 and 1972, Judy Collins’ recording spent 67 weeks on the chart and peaked at number 5. Aretha Franklin, Ray Charles, Johnny Cash, Willie Nelson and Elvis are among the many artists to record the song. Recently, President Obama burst into the familiar tune during the memorial service for Reverend Clementa Pinckney, a victim of a heinous church shooting in Charleston, South Carolina. The song was written by a former enslaver Ironically, this stirring song, closely associated with the African American community, was written by a former enslaver, John Newton. This unlikely authorship forms the basis of Amazing Grace, a Broadway musical (written by Broadway first-timer Christopher Smith, a former Philadelphia policeman, and playwright Arthur Giron) which tells Newton’s life story from his early days as a licentious libertine in the British navy to his religious conversion and taking up the abolitionist cause. But the real story behind the somewhat sentimental musical told in Newton’s autobiography reveals a more complex and ambiguous history. Newton was born in 1725 in London to a Puritan mother who died two weeks before his seventh birthday, and a stern sea-captain father who took him to sea at age 11. After many voyages and a reckless youth of drinking, Newton was impressed into the British navy. After attempting to desert, he received eight dozen lashes and was reduced to the rank of common seaman. While later serving on the Pegasus, an enslaved person ship, Newton did not get along with the crew who left him in West Africa with Amos Clowe, an enslaver. Clowe gave Newton to his wife Princess Peye, an African royal who treated him vilely as she did her other enslaved people. On stage, Newton’s African adventures and enslavement are a bit more flashy with the ship going down, a thrilling underwater rescue of Newton by his loyal retainer Thomas, and an implied love affair between Newton and the Princess. Newton converted to Christianity after a miracle at sea The stage version has John’s father leading a rescue party to save his son from the calculating Princess, but in actuality, the enterprise was undertaken by a sea captain asked by the senior Newton to look for the missing John. (In the show, the elder Newton is wounded during the battle for his son’s freedom and later has a tearful deathbed scene with John on board ship.) During the voyage home, the ship was caught in a horrendous storm off the coast of Ireland and almost sank. Newton prayed to God and the cargo miraculously shifted to fill a hole in the ship’s hull and the vessel drifted to safety. Newton took this as a sign from the Almighty and marked it as his conversion to Christianity. He did not radically change his ways at once, his total reformation was more gradual. "I cannot consider myself to have been a believer in the full sense of the word, until a considerable time afterward,” he later wrote. He did begin reading the Bible at this point and began to view his captives with a more sympathetic view. In the musical, John abjures slavery immediately after his shipboard epiphany and sails to Barbados to search for and buy the freedom of Thomas. After returning to England, Newton and his sweetheart Mary Catlett dramatically confront the Prince of Wales and urge him to abolish the cruel practice. In real life, Newton continued to sell his fellow human beings, making three voyages as the captain of two different vessels, The Duke of Argyle and the African. He suffered a stroke in 1754 and retired, but continued to invest in the business. In 1764, he was ordained as an Anglican priest and wrote 280 hymns to accompany his services. He wrote the words for “Amazing Grace” in 1772 (In 1835, William Walker put the words to the popular tune “New Britain”) It was not until 1788, 34 years after leaving it that he renounced his former slaving profession by publishing a blazing pamphlet called “Thoughts Upon the Slave Trade.” The tract described the horrific conditions on the ships and Newton apologized for making a public statement so many years after participating in the trade: “It will always be a subject of humiliating reflection to me, that I was once an active instrument in a business at which my heart now shudders.” The pamphlet was so popular it was reprinted several times and sent to every member of Parliament. Under the leadership of MP William Wilberforce, the English civil government outlawed slavery in Great Britain in 1807 and Newton lived to see it, dying in December of that year. The passage of the Slave Trade Act is depicted in the 2006 film, also called Amazing Grace, starring Albert Finney as Newton and Ioan Gruffud as Wilberforce.

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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