On my way home one day this past winter, I saw a woman standing at an intersection, holding a cardboard sign saying she had nothing to eat. Her face was red from the chilling wind. She looked forlorn.
I stopped for the red light and grabbed my wallet to get a few dollars for her. Oops, all I had was a $20 bill. That’s more than I’d intended to give her.
She looked forlorn. I couldn’t just drive past.
I lowered my window and handed her the bill. Her eyes brightened. She grabbed my hand tightly with both of hers — she wore knit gloves that left her cold fingers unprotected. She squeezed hard.
“Thank you,” she said, pumping my hand. “God bless you! Thank you! Thank you!”
As I raised the window, I watched her step back, go to one knee, clasp her hands, look up to the sky and mouth the words, “Thank you! Thank you! Thank you!” Then she made the sign of the cross.
At that moment, it struck me: I’d become the answer to her prayer.
Despite progress in defeating extreme global poverty, most Americans see no end in sight, according to a survey sponsored by Compassion International.
Christians who attend church at least monthly and consider religion very important in their life overwhelmingly (96 percent) expressed concern about the world’s poorest people. But they were skeptical that global poverty could be ended in the next 25 years. Only 41 percent of the group said it was possible.
And yet Scott Todd of Compassion International, the Christian nonprofit agency that sponsors 1.5 million children abroad, remains upbeat. He sees hope in the numbers of “practicing Christians” who express concern about poverty and a willingness to do more.
This Holy Week, I realized God's hope in a place other than church.
Proclaiming that the tomb is empty – that Jesus has risen from the grave – is the most powerful witness any Christian can offer. But if our Easter celebration stops at proclamation then we’ve shortchanged the world of the hope and joy it sorely needs. The resurrection must also be about embodiment. It should change the way we live and move and have our being. Easter should transform and strengthen us to participate in God’s reconciling work in the world.
That’s why I chose to spend this Easter worshipping in a very different way and in a very different place. There was no midnight watch service or large family dinner, but there were countless moments of hope and an abiding trust in the possibility of new life.
The United States hosts more than 23,000 payday lending stores, which outnumbers the combined total of McDonald’s, Burger King, Sears, J.C. Penney, and Target stores. These payday lenders do not make conventional loans as seen in most banks, but instead offer short-term loan amounts for short periods of time, usually until the borrower’s next paycheck, hence the name “payday loans.”
While some borrowers benefit from this otherwise unavailable source of short-term and small-amount credit, the payday lending business model fosters harmful serial borrowing and the allowable interest rates drain assets from financially pressured people. For example, in Minnesota the average payday loan size is approximately $380, and the total cost of borrowing this amount for two weeks computes to an appalling 273 percent annual percentage rate (APR). The Minnesota Commerce Department reveals that the typical payday loan borrower takes an average of 10 loans per year, and is in debt for 20 weeks or more at triple-digit APRs. As a result, for a $380 loan, that translates to $397.90 in charges, plus the amount of the principal, which is nearly $800 in total charges.