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"These things have I spoken unto you, that my joy might remain in you, and that your joy might be full", John 15:11.
  • If you randomly asked 100 people to name their greatest retirement need most answers would revolve around
    some derivation of the theme of money, but money is not your greatest retirement need.  Many would say something like:  “It’s a no-brainer, it’s my savings account,”  “My bank accounts,” or “”My gold.” 

    Money is not your greatest retirement need.

    Some would say:  “My 401k,” “My IRAs,” or “My Pension.”  Several respondents would include Social Security.

    Financial security is not your greatest retirement need.

    Other answers would include things like houses, lands, vacation homes at the beach, the mountains, or on some tropical isle.  Still others would wax philosophical by saying something like “To be loved,” “To be needed,” or “To have made a contribution to society.”

    Being loved is not your greatest retirement need.

    Many would mention healthcare, wellness, fitness, and express desires to remain ambulatory until death.  Some would include the opposites of Alzheimer’s and dementia, by referring to mental acuity and the desire to remain lucid until death.  Some would include the subjects of retirement communities, nursing homes, or assisted living facilities.

    Good health is not your greatest retirement need.

    If those are not the greatest retirement needs then it must be something like relationships with family and friends.  No, that is not it either.  Could it be something like volunteerism, or hobbies and recreation?

    Your greatest retirement need is to have a personal relationship with God.  

    10 seconds after death, one's greatest retirement need will be obvious.  All the things we left behind will suddenly become meaningless.  When standing at the portal of eternity nothing could be more important than one’s relationship with God.  The Bible says: “And as it is appointed unto men once to die, but after this the judgment:” Hebrews 9:27.  Consider these words of Jesus: "Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where moth and rust do not destroy, and where thieves do not break in and steal. For where your treasure is, there your heart will be also.”  Matthew 6:19-21.  Jesus is saying that a person’s relationship with God is the most important need he or she can ever have.  This need eclipses the all the other valid needs mentioned above.  For more information see our “HEAVEN” tab above.


  • Many Americans believe that it is immoral that at the end of 2012 America has a national deficit in excess of $16 trillion dollars.  


    Many Americans believe that it is immoral that America is borrowing some 40 cents of every dollar she spends.


    Many Americans believe that it is immoral that the Federal Reserve has printed trillions of dollars, devalued your currency, is positioning America dangerously close to possible financial collapse, and bailed out both domestic and foreign banks to the tune of trillions of dollars.


    Many Americans believe that it is immoral that our politicians and presidents of both political parties have navigated America into this dire predicament.  Scores of cities have declared bankruptcy or are nearing bankruptcy.  Tens of thousands of businesses have either closed their doors forever or have reduced their labor forces by millions of people.  States are facing insolvency, and some economists are predicting another recession or even another depression.


    Many Americans believe that Republicans, Democrats, and Independents are doing nothing more than fiddling while America burns.


    Many Americans believe it unthinkable and totally impossible to believe that our politicians of just 15-20 years ago would have condoned such fiscal irresponsibility.


    Many Americans believe that America is at a point of crisis.  For the foreseeable future, it appears that her financial irresponsibility, and wildly irresponsible borrowing and spending will continue to climb at an astronomical rate into the far distant future.  No one seems to have either the fortitude or political will to step up to the plate and do what is right for America.


    Many Americans believe that she threw God out of our public schools in 1964, and the battle continues today as symbols of the cross, the manger, the Christ, are slowly but assuredly being expunged from private and public displays, businesses, schools, and government building across the USA.  Is God about to show America what life is like without him?  Is America's Fiscal Cliff a harbinger of God's coming judgment? 


    What is the Fiscal Cliff everyone is talking about?  In an effort to increase the Federal Debt Ceiling looming in mid-2012, Congress and the President agreed to drastic cuts in government spending and large increases in tax rates effective on January 1, 2013.  These taxes and cuts were both an incentive and a bluff which is now about to be called.  Fiscal policy is the setting of rules and rates concerning government spending and tax collection.  The much maligned Fiscal Cliff refers to a sharp drop in fiscal policy.  After years of excessive deficit spending, experts fear any increase in taxes and decrease of spending will slow the economy.


    If Congress is unable to agree on a course of action, taxes will increase and spending will decrease by $615 billion.  The benefit would decrease the deficit gap by $615 billion or about half.  This would likely restore the US credit ratting begin the long range process of balancing the federal budget.  Unfortunately, $615 billion is about 4% of GDP and such an action is assumed to decrease GDP by 4% setting off a recession.  This would be reverse stimulus or restraint on economic growth and jobs.


    Expectations that the likelihood of some sort of fiscal restraint will occur is high.  Likewise, the likelihood that the restraint will be sufficient to cast the economy into a recession is a real possibility.  Finally, the likelihood that the proposed tax increased and reduced spending will remain unchanged is small.     


    Tax increases are the most likely outcome of the current negotiations,  There could be some spending cuts in the military budget and a tax increase by repealing the Social Security abatement feature that has been in place for the past 2 years.  Almost certain are increases in the tax rates on dividends and capital gains.  This likelihood has many corporations and small businesses scrambling to protect, realocate, shift, or redirect their assets before January 1, 2013.


    Experts predict that the US economy is likely to suffer a slow start to 2013 and recover later.


    The effects on individual business will likely come indirectly.  The greatest effect on most companies will be a lack of demand from customers and other companies as growth in the economy takes a breather.  In anticipation of a temporary slowing of demand companies will want to watch inventory levels closely and reduce their workforce.  With full implementation of The Affordable Care Act (Obamacare,) a myriad of corporations and small businesses are expected to reduce the hours of millions of full-time employees to part-time status of 30 hours or less per week.  This would have a devastating effect on the personal financial lives of millions of families and upon the economy in general.


    Many Americans believe that it is time for all our leaders to stop playing politics of inaction and of kicking the can down the road again and again and make the really tough decisions necessary to do what is right for America.  Pray for America.  Pray for Americans to come to the Lord for salvation, wisdom, and guidance.  


    Finally, be judicious with your monies and retirement accounts, your personal spending, saving, and contact your local, state, and federal politicians and ask them to do the morally correct things that are right for America. 



  • Oct 11

    Once or twice in a lifetime voters are afforded the opportunity to vote in an election that will determine the course of America's future and values.

    November 6, 2012 will be one of those rare opportunities to vote and that you will tell your children and grandchildren about someday.

    Election 2012 will permanently shape the course America takes for her future.  The decision America makes on November 6 will determine what kind of America we will have for decades and generations to come.

    The differences between the two candidates, their philosophies, style, and approaches to governance are starkly different.

    We see this as your election.  The President, congress, and government are your employees.  They should be looking out for everything that is in your and America's best interest.  For far too long career politicians have made countless empty promises and fabricated lies to enable them to be reelected.  Many have lost sight of the fact that they were elected and sent to Washington and the 50 Houses of State to represent you and the people of your neighborhood, city, and state.  You have a very important responsibility to voice your opinion as to the direction of America's future.

    It is exhilarating to be on a winning team.  America will awaken on November 7 with either a reelected President Barack Obama or, she will awaken to President elect Mitt Romney.  Two questions for your consideration include:  Who will you cast your vote for as our next president? and, Will America really win with the newly elected president?

    Disclaimer:  It is neither our place nor our intention to instruct you as to how or for whom to vote.  That is your God-given right and responsibility!  We simply wish to highlight some of the differences between the two opposing candidates who are running for President to the United States of America.  You are encouraged to do your own research.  Study our lists and all the other information that is abundantly available to you then prayerfully make up your own mind and vote as God leads you.

    Consider some of the major differences between the two candidates.

    President Obama has either stated or demonstrated the following:

    *  Continue to increase the size and scope of the federal government

    *  Supports exerting more governmental control over Americans' lives through massive numbers of new federal regulations

    *  Increase dependency upon government by adding millions of people to the rolls of various social programs such as welfare, food stamps, etc.

    *  Continues to operate without a federal budget

    *  Inability to balance a federal budget

    *  Continue to follow a Keynesian model of economics that advocates America's spending her way out of debt

    *  Increase taxes on wealthiest Americans

    *  Increase taxes on all Americans through newly enacted federal programs

    *  Increase the federal deficit through additional spending that currently borrows .43 cents of every dollar spent

    *  Decrease the size of the military

    *  Continue an anemic foreign policy that ignores Israel and attempts to appease enemies

    *  Move America into socialized medicine through implementation the Affordable Care Act, aka Obamacare

    *  Supports abortion and funding of Planned Parenthood

    *  Denied Keystone Oil Pipeline and is phasing out coal mining


    Governor Romney has stated that he plans to:

    *  Reduce the size and reach of the federal government

    *  Repeal or nullify many of the new regulations advanced by various governmental agencies

    *  Decrease dependency upon government social welfare programs by encouraging the creation of millions of new jobs

    *  Adopt a federal budget

    *  Balance the federal budget by living within its parameters

    *  Abandon the current Keynesian model of economics in favor of a more traditional capitalistic approach

    *  Reduce the tax rates of all Americans

    *  Reduce the federal deficit by reining in federal spending

    *  Reduce or eliminate programs that are financed by borrowed monies

    *  Increase size of and strengthen the military

    *  Implement a foreign policy that recognizes Israel as our best ally in the Middle East and deals with our enemies decisively

    *  Repeal Obamacare and replace it with a bipartisan health care bill

    *  Pro life and pledges to defund Planned Parenthood

    *  Supports Keystone Oil Pipeline and coal mining


    The differences between these two candidates are starkly different and the stakes of this election are extremely high.

    It is neither our place nor our intention to instruct you as to how or for whom to vote.  That is your God-given right and responsibility!  We have simply highlighted some of the differences between the two opposing candidates who are running for President to the United States of America.

    How should I decide for whom to vote?  

    Prayerfully study Scripture and compare God's revealed will with the positions of both presidential candidates and other candidates down the ballot where you live and vote.

    Should I vote my for the person in my particular political party?  Seeking God's will for America through prayer and voting for the person God leads you to vote for is the best way to cast your ballot in 2012.

    We encourage you to vote by prayerful principles not simply by party affiliation.

    Finally, consider this:  If it was up to you to cast the final deciding vote that would determine whether Barack Obama would be reelected or Mitt Romney would be elected President, which person would you vote for?

    Your vote is vastly important.  Pray, follow God's leadership, and make your vote count.

    "If my people, who are called by my name, will humble themselves and pray and seek my face and turn from their wicked ways, then I will hear from heaven, and I will forgive their sin and will heal their land."  II Chronicles 7:14



  • America just crossed the $16,000,000,000,000 national debt threshold.  Annual interest on this debt will total more than $240,000,000,000.

    According to the Census Bureau there are some117,538,000 US households.  The current debt equals about $136,260 per household.

    Projections for 2016 place our national debt at more than $20 Trillion.  Unless America takes decisive steps to reverse this trend our nations future could be very bleak.

    Insightful economists have looked beyond the horizon and revealed one of the dirty little secrets that is rarely mentioned and seldom discussed;  our Nation's future debt liabilities, including our current $16 trillion national debt, plus current and future Social Security, Medicare, and Medicaid obligations stand at more than 100 Trillion dollars as of September 4, 2012!  In addition, five American banks account for more than 96% of the $250 Trillion US derivative exposure.




    Proverbs 22:7 states:  "The rich rule over the poor, and the borrower is servant to the lender."  Any person or nation that lives under oppressive debt is enslaved to his lenders.

    Christian Retirement has watched the national debt clock for many years.  It is no accident that we advocate financial freedom by following and advocating that people, families, states, and nations follow a simple biblical formula:  become debt free, live within one's means, and live without debt.  God warns us against personal and national debt that serves only to enslave those who choose to participate.  

    The threat of oppressive debt could literally bring America to her financial knees and possible bankruptcy.  America's out-of-control spending and out-of-control borrowing, (43 cents of every dollar spent,) must come to an end.  

    One of the largest threats to our sovereignty as a nation, and to your present or future retirement, is our exponentially rising national debt.  Along with an exploding national debt will necessarily come: inflation, restricted financial freedom, devaluation of your retirement dollars through the Federal Reserve's Quantitative Easing I, II, and now, QE III, reduced retirement benefits, and an array of  other negative results.

    Be judicious with your retirement funds and contact your congress person and encourage them to stop the out-of-control borrowing and spending.