Pain: Now or Later?


    A number of years ago there was a television commercial that encouraged regular oil changes.  In it, a mechanic pointed to a car behind him that was having the engine overhauled and noted that failing to get regular oil changes can cause serious engine damage.  At the end of the commercial the mechanic said, “You can pay me now, or you can pay me later.”

    With the Administration and Congress once again at odds over raising our nation’s debt ceiling I keep wondering why no one in Washington seems to understand why doing so only makes the problem worse.  I understand that we can’t just suddenly stop doing everything that we’re doing.  Calling an abrupt halt to projects that are already in progress would do great damage to the economy.  I understand that.  But Congress isn’t just continuing projects they’ve already started; they are creating new ones and expanding others so that our debt problem gets worse instead of better.
    Whenever anyone suggests making cuts to existing spending, particularly to welfare, Medicaid, Medicare or Social Security, there is an outcry because it is easy to see how people will be hurt when cuts are made to these programs.  A similar claim is made whenever cuts are suggested to our spending on national defense.  No matter what cuts are suggested, we are told that those cuts will cause someone pain. 
    The problem with pain, as it relates to our spending, is that it is very much like that oil change commercial.  A little pain now will almost certainly save us from much greater pain later.  Why?  Because right now our nation spends about $3.5 trillion per year but takes in only $2.5 trillion in taxes.  Obviously, you can’t, in the long-term, spend more than you earn, everyone who has ever balanced a checkbook knows that, but Washington has been doing it (more or less continuously) for more than sixty years.   So far we’ve accumulated a national debt of $17 trillion dollars… and, as bad as that sounds, that’s the good news.
    We hear that our national debt is $17 trillion dollars but we are not told that this does not include the money that we “borrowed” from Social Security and Medicaid.  Every one of us has paid into Social Security for our retirement.  While all of the Baby Boomers were working, the surpluses from these deposits were immense… but they were never saved in any kind of “savings account” or “lockbox.”  Instead, to cover the growing deficits our elected representatives… spent them.  Because we borrowed the money from ourselves, this spending isn’t really considered part of the national debt, but when the Baby Boomers retire they will, naturally, expect to collect from the system they paid into.  How much do we owe them?  At present, our borrowing from Social Security and Medicare amounts to an additional $85 to 95 trillion and our expected payments for the national prescription drug benefit add another $20 trillion.  All together that comes to an astounding $125 trillion in debt.  (That works out to over a million dollars in debt for every U.S. household!)
    Here is where things get ugly.  If we assume that over the next forty years, everyone who is currently working will retire, then we will have to repay most, if not all, of that debt over that same forty year period.  I know the math is more complicated than that, but this oversimplification will get us close enough to see the problem.  If we think of this as paying down a mortgage, we have forty years to pay back $125 trillion in debt with an annual “income” of $3 trillion. 
Do you see the problem?
In order to repay $125 trillion in 40 years, our annual payments will exceed our current income.
    If we start right now, and we could somehow stretch those payments out for a hundred years, we would still have to repay $1.25 trillion per year.  That would seem reasonable, but if we first balance the budget (so as to stop borrowing even more money while we were paying off our debt), we would still have to cut our current spending by fifty percent!
    Worse, none of this is theoretical.  This is money that we have already spent and which must be repaid.  Because we borrowed most of it from retirement plan, failing to pay it back will mean that Social Security checks don’t go out and retirees’ medical bills don’t get paid.  We complain that making small cuts causes pain, but how much pain will there be if we default and those checks don’t go out at all?
As the man said in the commercial, “You can pay me now, or you can pay me later.” 
Either way, there will be pain.  The longer we put it off, the worse it will be.
Our only choice is whether we want to experience pain now or worse pain later.

What’s the Big Deal About Sex?


    Early this month a group of Secret Service Agents as well as military personnel (presumably male), were in Columbia as a part of President Barack Obama’s trip there for a multinational conference.  As most of us have seen in the news, these individuals had a grand time partying with prostitutes after hours prior to the President’s arrival.  Once they returned home, this exploded into a scandal of epic proportions.  But so what?  From the perspective of faith and the church, I could easily make a list of why this was not a good thing for these men to do, but I really wonder if Congress’ shock at the behavior of the Secret Service is only for show during an election year.  After all, what’s the big deal about sex?  Here are a few questions that are being raised:
    Whose money did they spend?  Congressman Peter King wants to know if the money these men spent was taxpayer per diem.  So what if it was?  Per Diem (literally, per day) is money paid to persons who are on special duty or special assignment.  It is, simply, a paycheck.  If these men were paid per diem, it is because they were working on a job where they earned it.  If Congressman King believes that we the people have a right to control how someone spends a government paycheck then he is going to have an awful lot his fellow representatives looking over their collective shoulders.
    They work for the government.  So what?  They were not ‘at work,’ it was after hours, they were on their own time.  How often have we heard that what we do on our personal time is nobody’s business?
    It’s illegal.  No it isn’t.  Prostitution might be illegal in most places here in the United States, but it isn’t in Columbia.  Besides the financial transaction, this was simply an arrangement between consenting adults.
    It’s immoral.  What?  We in the church have been told loudly and often that we shouldn’t force our moral values on others.  In our modern culture, we are told, it is perfectly acceptable and normal for adults to determine their own morality.  In that environment, who should judge whether the behavior of these men is immoral or not?  Besides, in recent decades Congress seems to have made a hobby of turning a blind eye to the moral and sexual indiscretions of their peers.  Judge not, lest ye be judged, right?
    What these men did certainly violates many of the teaching of Christianity but with increasing regularity we are reminded that the United States is increasingly multi-cultural, multi-religious and increasingly non-religious.  Even the President said “Whatever we once were, we are no longer just a Christian nation; we are also a Jewish nation, a Muslim nation, a Buddhist nation, a Hindu nation, and a nation of nonbelievers.” (Barack Obama, June 28, 2006)  And so again I ask, so what?
    Certainly I realize that there are national security concerns that come with allowing our Secret Service personnel to cavort with prostitutes but historically, one major concern was that such behavior would result in blackmail.  In this era of new morality, why is that a concern either?  If these men are free to dictate their own morality and what they were doing was perfectly legal, then what leverage remains for blackmail?
    I don’t doubt that there were rules in place both by the Secret Service and by the military and I don’t doubt that rules were broken.  But if we, as an enlightened and liberated society, have refused to legislate morality and if we have cast off the bonds of propriety, allowing morals to be defined by every individual, then all that we have left to guide us are rules, and frankly, rules aren’t much to count on as the underpinning of an entire society.
    I want to be clear, I don’t agree with what these men did.  What they did was both wrong and stupid, but I say these things to make a point.  It may indeed be true that we are no longer a Christian nation, but once we have cast off the lines that tie our culture to a fixed and immovable standard of decency and morality, the coastline can get pretty fuzzy.

Why I Stand With the Catholic Church

   In recent weeks the President of the United States and his Administration announced that all employers would be required to provide health coverage that included coverage for birth control and abortifacients regardless of the employer’s religious affiliation.  What this means is that religious institutions will be required by law to provide the means to do something that the parent religion considers to be a violation of conscience.  The federal government has told the Catholic Church that its hospitals, its adoption services, and its other outreach branches, as well as Methodist Hospitals, Baptist Hospitals and Jewish  and Muslim charity and community centers, that they must all provide this benefit to their employees regardless of whether or not this is a violation of the teachings of their religion.  I want to be clear, I am not a Catholic but this is serious stuff and it is important for all of us regardless of religion.
   I have heard friends say that the complaints against the government are just a power play by entrenched male power interests in the church to oppose necessary health provisions for women but I don’t think so.  It was the Catholic Church (and a few other churches) who built charity hospitals to provide care to the poor when medical care was something only the wealthy could afford (did you ever wonder why so many hospitals have Saint something in their name or end in Methodist, Baptist, or Catholic Hospital?)  It was the Catholic Church who built one of the biggest AIDS clinics in San Francisco when many hospitals were afraid to treat AIDS patients.  The caring and compassion of the church, particularly in the field of medicine, has been repeatedly demonstrated.  
   What’s more, the consistency of the Catholic Church is well established.  As a Protestant, I do not have a problem with birth control but draw the line at abortion and abortifacients because we believe that a child in the womb, a fertilized egg implanted and growing in the uterus, is a life.  Somehow, those of Protestant faith believe that a fertilized egg is not necessarily a life, but once it has ‘taken root’ it becomes a life.   This is a pretty fine line.  The Catholic Church doesn’t try to split hairs and it never has, they believe that a fertilized egg is a human being, period.  The position of the Catholic Church has never changed on this and although I do not agree, I have great respect for the consistency of their argument.  Life is life.
   For the government to say that the Catholic Church (and all other churches) must provide benefits that it believes are morally unconscionable is, to me, a clear violation of the First Amendment of the Constitution of the United States.  What if the government re-instituted the draft to support the military?  In such a draft, undoubtedly, persons would be drafted that, for religious or moral reasons, choose not to carry a gun or to be placed in a situation where they might be required to kill another human being.  For that reason, our nation has allowed these persons to become conscientious objectors, and we allow them to serve their country in another capacity.  One of my uncles served in the Korean Conflict as a medic for that reason.  If our government is allowed to force people of faith to provide birth control and abortion inducing drugs against their will, is it any stretch at all to imagine that conscientious objectors could be forced to carry a gun into combat?  Can American Indians be prohibited from ceremonies that require the use of peyote?  Could Muslims be prevented from making daily prayers during the workday?  The principle is exactly the same.  If religious objections are overruled for one, they can be overruled for anyone.
Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances
– U.S. Constitution, 1st Amendment, Article 3.
   If the government is permitted to prevent Catholics and others from exercising their religion, and their conscience, in this way, what other Constitutional rights will it find “inconvenient” tomorrow? 
I am not a Catholic and though I respect the Catholic Church I often do not agree with it.  My position on birth control is different than the one held by the Catholic Church.  Even so, I think they are right and the government is wrong.  I stand in support.  Will you?

Are You Afraid?

Are you afraid?   
    Every day we open the newspaper or we turn on the radio or the television and we hear bad news.  Our economy is not in great shape.  Our government is spending more than it can afford.  Unemployment is at near historic levels and showing no sign of getting better soon.  We hear reports of doom and gloom almost constantly. 
How has this constant barrage of bad news affected you?
    As I have been reading reports from churches and other charities across the country the reports seem to share a common thread.  Fear.  After listening to the constant cries of disaster and doom people begin to grow afraid for their future.  When people are afraid, they begin to act in ways that reflect their fear.  When we are afraid, we become far more conservative financially, our worries for the future cause us to spend less, pay down credit cards and even save a little more in the bank.  When we are afraid, sometimes without even being consciously aware of it, we pull back and prepare for a rainy day; we are, as a society, waiting for the other shoe to drop.  This mentality is widespread.  The stock markets react violently to even the tiniest piece of bad news and only hesitantly move forward when there is good news.  Retail sales and other measures of consumer spending are not especially good at least partially because people are not confident of how things will be next month, or next year.  People are afraid.
The funny thing is that most of us have no real reason to be afraid.  
    Most of us have the same jobs that we had last year and the year before that.  Many of us have continued to get the same sorts of raises that we have always gotten.  Except for what we seem to be spending on gasoline, our expenses are not significantly changed from what we have been accustomed to for a long time.  Obviously there are exceptions.  One of my brothers has been out of work for more than two years and he is not alone.  Many folks are hurting.  The rest of us however, are living pretty much the same lives that we were living before the recession began several years ago.  For us, our fear has little or no basis in reality.  We are afraid, only because the evening news seems to tell us that we should be and something about that is not right.  

Why should we act as if we are afraid if we have no real reason to actually be afraid?

    As Christians we have another, even better, reason to resist this kind of fear.  Our fear seems to come from our worries about what the President or the Congress will or will not do.  Our fear seems to come from our worries about the economy and other things far outside out control or understanding.  Instead of allowing these worrisome times to make us afraid, we should remember who is in control.  Psalm 20:7 reminds us that “Some trust in chariots and some in horses, but we trust in the name of the LORD our God.”  And if we even momentarily considered putting our trust in our bank accounts or in our government, Job is there to remind us that “What they trust in is fragile what they rely on is a spider’s web.  They lean on the web, but it gives way; they cling to it, but it does not hold.”  Nahum 1:7 tells us that “The LORD is good, a refuge in times of trouble. He cares for those who trust in him.”  Just because we are people of faith, does not mean that we are immune to fear, but the when fear springs up inside of us we remember this: “When I am afraid, I put my trust in you.  In God, whose word I praise, in God I trust and am not afraid.  What can mere mortals do to me?” (Psalm 56:3-4)
    As followers of Jesus Christ we are called to put our trust in him and not in the fluctuations of economies and governments that we cannot control.  All of these things are under his command and it is our job to trust in him.  Daniel was literally thrown to the lions but we should remember that “when Daniel was lifted from the den, no wound was found on him, because he had trusted in his God.” (Daniel 6:23) 
    We hear bad news every day and honestly, I have begun to listen to the news less often because of it.  I am not hiding from the truth, but I don’t need to be constantly beaten with it either.  I hope that you will remember that we have no need to fear.  Whenever we are tempted to be afraid, we need to ask ourselves a single important question…
Who do you trust?