Author Archives: Marie Coppola

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This past week, I was reminded by three different sources to be still and know God.  I consider this a Godwink so I will pass this important message on.  God talks to us in Psalm 46:10 and says, "Be Still and Know That I am God".  How often do we sit still?  We have cell phones, IPods &  Androids vying for our attention.   The TV is constantly on - so is the fax machine and the computer.  Company is coming. have to pick up the grandkids later and someone's beeping to chat with you on Skype.   Lots of noises going on .....How do we get 'still'?

We say "Hey, we're busy...who has time to sit still?"

Let's look at Jesus.  Even in his busy ministry he got still...with God.  He would go out alone in the desert. He would pray and be still with God.  Doing so, he was refreshed and renewed.

Anyone can get refreshed and renewed with God.  It is important to be still and know that He Is God. You might say, "I'm way too busy to do that" or "God doesn't value me" or "I'm simply not religious". If you want to know God, you have to make some time for Him just like you do for your family, your kids, your dog, your job, technology and everything else that's on your plate.   Knowing God will give you extra strength and wisdom to do the things you do and even do things a little differently.  And it will give you benefits you can't get anywhere else. They're guaranteed.   "You will seek me and find me when you seek me with all your heart."  Jeremiah 29:13]

Some say, "I don't know what to say to God".   God made you and He knows all about you already. Just talk to Him in plain language.  You don't have to use thys, thees and thous.  He'll be happy just to hear from you. And he will change your life. This is not a wish. This is a fact. You will become aware of life in a way different from how you are living it now.  if you start speaking to God, you will add joy, love, kindness, forgiveness and acceptance of who you and others are. He made you and loves you no matter what you are, say or have done.  Who else can you say that about?   Jesus will become your best friend.   Who will never forsake you.

Try it. Go alone into a quiet room, shut the door and turn off all technology.  Be still and focus on Him alone and not the things you have listed to do that day.   You may start by thanking him for all the good things in life He has given you -- yes, there are far more than the problems you are facing which overshadow them.  Get to really know God.   Listen in silence to what you may hear or think about.  When you are quiet, you will open your heart and soul to Him. 

God tells us through His Words,  "You will seek me and find me when you seek me with all your heart."    It will change your life.  Not only is it guaranteed;  the warranty will last forever.

Marie Coppola © Revised July 2017.

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You may not even know yet that I am growing in your womb - I'm just 18 days from when you conceived me.   My heart has begun to beat with my own blood.  I hope you are happy when you find out I'm inside you.

I'm a month old now and my eyes, ears and tongue are formed.  I have muscles , arms & legs forming.  Soon my fingers and toes will develop, too and I will start moving around.

I feel new things every day.   At almost 8 weeks - only 2 months - I have hiccuped, can frown, squint and yawn and make sucking motions.  I started to suck my thumb at 9 weeks.  I have eyelids now to protect my eyes.

It's  10 weeks and every organ is now present and my heartbeat is steady.  My kidneys are forming as well as my taste buds.  At 10 weeks my body is sensitive to touch.  I have practiced breathing and hope to breathe air at my birth - the thought of being with you at that time makes me smile.

You haven't felt my movement yet at but  I move a lot reaching my 3rd month - even my sex is known - I'm a girl!  If you could take a picture of me now you would see my eyes, ears and face characterstics .  I can kick, turn my feet, curl and fan toes, make a fist, move thumbs, bend wrists, turn head, open mouth and press lips tghtly together although I am only about 3 inches long and weigh about 2 ounces.

When you were told I was a girl, you said you will call me Hope, after your grandmother.   In just another week I will weigh about 3 ounces and am starting to resemble you!   A very small you!  You still can't feel me but I feel comfort and safety within you.

I turned 4 and a half months old in your womb. and you felt me move!  I felt you touch me where I moved - it was joyous to connect so intimately with you.   I am just as excited as you are.  My ears are functioning well now and I can hear your heartbeat - it is so wonderfully comforting.  I can even hear music that you play and it is wonderful.   I hear and recognize your voice!

I'm 5 and half months inside you - my brain now has a billion nerve cells. If a sound is especially loud, it makes me jump - can you feel me?   I have increased seven times in weight and almost doubled in height.

So excited for my 7th month - just 26 weeks from conception - I can tell which voice is yours!   You sing to me!  My wonderful, precious, life-giving mother - I sense your moods.

I know the difference between waking and sleeping.  I use four of five senses - vision, hearing, taste and touch!  I can't wait to touch you and see you.

At 8 months - just one more month and we'll be together!  You'll be as glad as I will be since my space has become cramped and I know I am heavy - you get tired a lot - I'm sorry.  Also sorry my kicks are stronger - but I hear you laugh about it.   I swallow a gallon of amniotic fluid each day - can you hear my hiccups?  Sometimes I move my heel or elbow and I rejoice as you follow it along with your hand.   So lovingly.

It's 9 months/33-40 weeks - I'm ready to travel down the birth canal and finally get to meet the mother I've been connected to for 9 months and hopefully for the rest of her life.

Marie Coppola Copyright June 2016

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This is based on Alinsky’s eight steps from Democracy to socialist society.  Obama Quotes him often in his book and Hillary did her thesis on Alinsky.

ALMOST DONE.  JUST ONE ELECTION DECIDES OUR FATE...

ALMOST THERE

There are 8 levels of control that must be obtained before you are able to create a socialist/communist State.  The first is the most important.

5 OF THE 8 ARE DONE - THE LAST 3 ARE ALMOST THERE

1. Healthcare:  "Control Healthcare and you control the People"

DONE!!!

2. Poverty:  Increase the Poverty level as high as possible."  Poor People are easier to control and will not fight back if the government is providing everything for them to live.

DONE!!!

3.  Debt: Increase the National Debt to an unsustainable level."  That way you are able to increase Taxes, and this will produce more Poverty.

DONE!!!

4.  Gun Control:  Remove the ability to defend themselves from the Government.  That way you are able to create a Police State - total local control.

ALMOST THERE!!!

5.  Welfare:  Take control of every aspect of their lives (Food, Livestock, Housing, and Income).

DONE!!!

6.  Education:  Take control of what People read & listen to, take control of what Children learn in School.

ALMOST THERE!!!

7.  Religion: Remove faith in God from the Government and Schools. ALMOST THERE!!!

8.  Class Warfare:  Divide the People into the Wealthy against the Poor.  Racially divide. This will cause more discontent and it will be easier to Tax the Wealthy with full support of the voting Poor.

DONE!!!

The bases are all covered!  We are ripe!  Fundamental Transformation is happening to our Great Country.

Saul David Alinsky (January 30, 1909 – June 12, 1972) was a Jewish American community organizer and writer. He is generally considered to be the founder of modern community organizing.  He is often noted for his 1971 book Rules for Radicals.

In the course of nearly four decades of political organizing, Alinsky received much criticism, but also gained praise from many public figures. His organizing skills were focused on improving the living conditions of poor communities across North America.

Time magazine wrote in 1970 that "It is not too much to argue that American democracy is being altered by Alinsky's ideas. Conservative author William F. Buckley, Jr. said in 1966 that Alinsky was "very close to being an organizational genius.  (Ref: Wikipedia & Internet Email).

Editor’s note. The Vatican confirmed that Blessed Mother Teresa of Calcutta will be canonized in Rome on Sunday, September 4. I constantly remind myself that every day our movement adds new pro-lifers, many of whom are young. They may not know what a great–GREAT–champion Mother Teresa was of unborn children. The following ran in a slightly different form February 5, 2010. The setting was the National Prayer Breakfast. Hillary Clinton was then Secretary of State.

March 22, 2016 (NationalRighttoLifeNews) -- President Obama, as has his predecessors, delivered a prepared speech. But, to be honest, I found the remarks of his fellow pro-abortionist, Secretary of State Hillary Clinton on the same dais, much more intriguing.

Judging by what Clinton said today and previously, she appears to have been genuinely moved by her meeting with Mother Teresa. In 1994 Mother Teresa delivered a no-holds-barred pro-life speech at the National Prayer Breakfast in front of Clinton, her equally pro-abortion husband, then-President Bill Clinton, and Al and Tipper Gore.

Hillary Clinton talked about being summoned afterwards by Mother Teresa and working with her to establish the Mother Teresa Home for Infant Children. It takes nothing away from what Hillary Clinton may have contributed to this noble project to remember what Mother Teresa said to the many power brokers assembled at the Hilton Hotel 16 years ago.

But I feel that the greatest destroyer of peace today is abortion, because it is a war against the child, a direct killing of the innocent child, murder by the mother herself.

And if we accept that a mother can kill even her own child, how can we tell other people not to kill one another? How do we persuade a woman not to have an abortion? As always, we must persuade her with love and we remind ourselves that love means to be willing to give until it hurts. Jesus gave even His life to love us. So, the mother who is thinking of abortion, should be helped to love, that is, to give until it hurts her plans, or her free time, to respect the life of her child. The father of that child, whoever he is, must also give until it hurts.

By abortion, the mother does not learn to love, but kills even her own child to solve her problems.

And, by abortion, the father is told that he does not have to take any responsibility at all for the child he has brought into the world. That father is likely to put other women into the same trouble. So abortion just leads to more abortion.

Any country that accepts abortion is not teaching its people to love, but to use any violence to get what they want. This is why the greatest destroyer of love and peace is abortion.

I was not there, but author and Wall Street Journal columnist Peggy Noonan was. Here’s what she later wrote:

Well, silence. Cool deep silence in the cool round cavern for just about 1.3 seconds. And then applause started on the right hand side of the room, and spread, and deepened, and now the room was swept with people applauding, and they would not stop for what I believe was five or six minutes. As they clapped they began to stand, in another wave from the right of the room to the center and the left.

But not everyone applauded. The president and first lady, seated within a few feet of Mother Teresa on the dais, were not applauding. Nor were the vice president and Mrs. Gore. They looked like seated statues at Madame Tussaud’s. They glistened in the lights and moved not a muscle, looking at the speaker in a determinedly semi-pleasant way.

I claim no insight into Hillary Clinton’s heart or soul. But as she made clear yesterday she takes her Methodist faith seriously, especially John Wesley’s famous admonition to

“Do all the good you can,
By all the means you can,
in all the ways you can,
in all the places you can,
at all the times you can,
to all the people you can,
as long as you ever can.”

Secretary Clinton quipped, “That’s a tall order,” followed by (alas), “And of course, one of the interpretive problems with it is, who defines good?”

I thought of that “what is truth?”-esque statement as I read the remainder of her speech, especially the part where she observes, “All religions have their version of the Golden Rule and direct us to love our neighbor and welcome the stranger and visit the prisoner.”

I would never be so foolish as to rank Jesus’ parables. I would only say that the parable of the Good Samaritan is my favorite, the one that has taught me the most.

Maybe everybody else but me already realized this, but it was not until a few years ago that I really got a handle on a hugely important truth. Jesus never responds to the expert in the law’s question, “And who is my neighbor?”

Instead, Jesus turns the question back on him–and back on you and I. “Which of these three do you think was a neighbor to the man who fell into the hands of robbers?”

The question was not whether the man beaten by robbers “qualified” as his neighbor–someone he had a moral obligation to help – but whether he (and we) takes on that obligation by acting as a neighbor to him.

We can, if we wish, walk around (in this case) the unborn child, pretending that he/she is a stranger and therefore someone we have no obligation to try to protect. We can, like Secretary Clinton, twist ourselves into knots (over abortion) by telling ourselves the question is, “who defines good?”

But if you are, like Clinton, reared from infancy in a community of faith, you cannot choose to act like the priest or the Levite of Jesus’ parable.

You–we–must choose to be the Good Samaritan.

Reprinted with permission from National Right to Life News.

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Lent is About Forgiveness
Is 43:16-21; Phil 3:8-14; John 8:1-11

Dr. A.J. Cronin was a great Christian physician in England. One night he assigned a young nurse to a little boy who had been brought to the hospital suffering from diphtheria, and given only a slight chance to live. A tube was inserted into the boy's throat to help him breathe. It was the nurse's job periodically to clean out the tube.

As the nurse sat beside the boy's bed, she accidentally dozed off. She awakened to find that the tube had become blocked. Instead of following instructions, she was immobilized by panic. Hysterically she called the doctor from his home. By the time he got to the boy, he was dead. Dr. Cronin was angry beyond expression. That night Dr. Cronin went to his office and wrote his recommendation to the board demanding the immediate expulsion of the nurse. He called her in and read it, his voice trembling with anger. She stood there in pitiful silence, a tall, thin, gawky Welsh girl. She nearly fainted with shame and remorse.

"Well," asked Dr. Cronin in a harsh voice, "have you nothing to say for yourself?" There was more silence. Then she uttered this pitiful plea, "...please give me another chance." Dr. Cronin sent her away. But he could not sleep that night. He kept hearing some words from the dark distance: "Forgive us our trespasses."

The next morning Dr. Cronin went to his desk and tore up the report. In the years that followed he watched as this slim, nervous girl became the head of a large hospital and one of the more honored nurses in England. Thank God for a second chance, and a third chance, and fourth chance! Do you need to encounter God's forgiveness? He died on a cross to make it available.     Marie Coppola's photo.Taken from Vatican Radio (Source: Homilies of Fr. Anthony Kadavil)

Marie Coppola March 13, 2016

TWENTY TIPS FOR FACING AN UNPLANNED PREGNANCY

Emily Brown is director of American Life League Life Defenders, the outreach arm of ALL building a culture of life with a new generation.  While reading a post entitled 20 Tips on Your First Abortion, Emily reacted to what the author had to say - "I could really feel her immense pain. So, I decided to respond to this gruesome article with a positive, empowering, and upbeat message about pregnancy. We do not need more people shaming women into abortion, rather we need positive messages that affirm the immense empowerment that bringing a human being into this world has on women.”  

Reality just slapped you in the face. You’re pregnant! What does that mean? A teeny tiny human being is growing inside of you. So, now the freak out begins.

It’s completely normal to feel terrified, worried, and completely shocked. After all, you might have been relying on birth control, condoms, the IUD, or something else. However, you knew none gave any guarantee that you would not become pregnant. So here you are.

Don’t let your worries take over! It’s very easy to be in panic mode for a few weeks or even months. Look beyond the insecurities and worries. You are strong!

Look for loving support. You need someone who will hug you and comfort you, not someone who wants to shame or belittle you. Sometimes you just need a little affection, and this is definitely one of those times!

Know you are not alone. Every day, hundreds of women discover they are pregnant. Other women are in your same situation!

After you have turned to someone for support, it’s time for Google. Learn what the heck is happening inside your body! Google fetal development and medical articles to learn about the tiny human you have within you.

After reading information on fetal development, come to the realization that you’re a pretty big deal! After all, you are now carrying and protecting a little human being.

While you’re on Google, search your area code, along with “crisis pregnancy centers.” Find the closest one and make an appointment ASAP, for you definitely have loads of questions.

Unlike abortion clinics, crisis pregnancy centers do give a $#%@ and they understand that your surprise pregnancy is a BIG deal. They will treat you with the loving care and respect you deserve!

The time between making your appointment and going can be a terrifying period. You are scared and a million things are rushing through your head, like how to afford a child or how to raise a child alone. Take a deep breath and believe in yourself! You are stronger than you think.

While you’re waiting for your first appointment, learn more about this person growing inside your body. Watch a 4-D ultrasound of a preborn baby growing. Find the stage you are in and marvel at this tiny human.

The appointment day has come. While in the waiting room, focus on the positive messages. Take a look at the brochures, pictures, or wall art and remember that only good can come from this appointment. Nothing here will harm you!

It’s FREE! What? Yes, crisis pregnancy centers’ services are free! They can offer pregnancy resources, prenatal vitamins, pregnancy tests, and services such as parenting classes, counseling, baby supplies, and other financial aid.

While at your appointment, you will not have “pain like someone sucking or pulling out your insides.” Rather, you will feel comfort and support—two of the things you need most.

You will be reaffirmed that you are a strong independent woman! You are more than a pregnancy; you are a mother.

Remember every time you believed you weren’t strong enough, smart enough, happy enough, pretty enough, and so on, and stomp those falsehoods into the ground. You are empowered—empowered with a newfound sense of reason and the ability to care for another human being.

You will not let your empowerment be diminished by people telling you that you are not ready or fit enough to be a mother.

Even after your appointment at the crisis pregnancy center, you still find many moments when you are scared to death. It’s okay; that’s normal. You have a human growing inside of you and you just found out. That’s a huge deal!

Do not let those fears and worries take control of you. You have the opportunity to bring a new life into this world. Do not take this for granted! Many women try their whole lives to have a child.

This is a time to start fresh. Take advantage of that and flourish!

 Submitted by Marie Coppola. March 2016

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Dear Mr./Mrs. Citizen,

Well, I guess you have figured me out. I seem to fit neatly into the category you place me in. I'm stereotyped, characterized, standardized, classified, grouped, and always typical. I am the lousy cop.

Unfortunately, the reverse isn't true. I can never figure you out.  From birth, you teach your children that I am a person to beware of.  Then, you are shocked when they identify me with my traditional enemy....The criminal.  You accuse me of coddling... juveniles, until I catch your kid doing something wrong.   You take an hour lunch, and several coffee breaks each day, then point me out as a loafer if you see me have just one cup.   You pride yourself on your polished manners, but think nothing of interrupting my meals at noon with your troubles.

You raise hell about the guy who cuts you off in traffic, but let me catch you doing the same thing, and all of a sudden I am picking on you. You know ALL the traffic laws, but never got one single ticket you deserved.   You shout "Abuse of Authority" if you see me driving fast to an emergency call, but raise 9 kinds of hell if I take more than 30 seconds responding to yours.  You call it "Part of my job" if someone hits me, but yell "Police brutality" if I strike back.  You would never think of telling your dentist how to pull a badly decayed tooth, or your doctor how to take out your appendix, but you are ALWAYS willing to give me pointers on how to be a police officer.

You talk to me in a manner, and use language that would assure a bloody nose from anyone else, but you expect me to stand there and take your verbal abuse without batting an eye.  You cry, "Something has to be done about crime," but you can't be bothered to get involved.  You have no use for me what so ever, but of course, it's OK for me to change a tire for your wife, or deliver your baby in the back seat of my patrol car enroute to the hospital, or save your sons life with CPR and mouth to mouth resuscitation, or even forsake time with MY family working long hours overtime trying to find your lost daughter.

So, dear citizen, you stand there on your soapbox and rant and rave about the way I do my job, calling me every name in the book, but never stop a minute to think that your property, your family,  and maybe your life might someday depend on one thing....ME.

Respectfully,
A Lousy Cop

Author: Anonymous

Marie Coppola March 2016

Pastor Lucado: Trump's Claim He’s

a Christian 'Beyond Reason to Me'

Best-selling Christian author Max Lucado believes Donald Trump speaks with a forked tongue when he calls himself a Christian one day and launches jaw-dropping personal attacks on people the next.

"It would be none of my business, I would have absolutely no right to speak up except that he repeatedly brandishes the Bible and calls himself a Christian," the San Antonio pastor said in an interview with Christianity Today magazine.

"If he's going to call himself a Christian one day and call someone a bimbo the next or make fun of somebody's menstrual cycle, it's just beyond reason to me."

Lucado — the author of nearly 100 Christian books which have sold 80 million copies — said he had never opposed a presidential candidate before the billionaire developer entered the political arena.

"There was a time in Iowa when he said 'I'm a Christian,' and somebody asked about forgiveness and he said 'I've never asked God for forgiveness.' I can't imagine that. I'm just shaking my head going 'How does that work?'" Lucado said.

"Does a swimmer say 'I've never gotten wet?' Does a musician say 'I've never sung a song?' How does a person claim to be a Christian and never need to ask for forgiveness?"

Trump has made headlines with the shoot-from-the-lip missiles he's fired at opponents, recently ripping Sen. Ted Cruz as a "totally unstable individual" and the "single biggest liar I've ever come across."

During Thursday's GOP debate, Trump referred to Sen. Marco Rubio as "a choke artist."

He also has used expletives to describe opponents, upsetting many.

Trump referred to Dr. Ben Carson, a revered figure among many Christian believers, as a “pathological liar” and compared him to a “child molester.”

Carson did not directly respond to Trump’s attacks, but said conservatives need to look at his actual track record.

“You need to look at his fruits,” Carson said.

Trump has come under strong criticism from social conservatives for supporting Planned Parenthood, and his long history of backing abortion rights, including partial-birth abortion.

Lucado also discussed Trump in a recent blog post at MaxLucado.com.

"The stock explanation for his success is this: he has tapped into the anger of the American people. As one man said, 'We are voting with our middle finger.' Sounds more like a comment for a gang-fight than a presidential election. Anger-fueled reactions have caused trouble ever since Cain was angry at Abel," Lucado wrote.

Lucado, a father of three, is pastor of Oak Hills Church in San Antonio, Texas, which Newsmax named as one of the Top 50 Megachurches in America. He was also anointed "America's Pastor" by Christianity Today and "The Best Preacher in America" by Reader's Digest.

Marie Coppola February 2016

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We all have our own preferred faith but sometimes we venture out of our comfort area to participate or engage in others’ religious practices.

It could be a Wedding, a Baptism, a First Communion, Confirmation, Bar Mitzvah, Bat Mitzvah, Bible studies, or engage in Witnessing. The common denominator is God. Each religion worships in their own way – what happens when you cross paths with some other religion?

Wikipedia defines “Ecumenism", as initiatives aimed at greater religious unity or cooperation.

In its broadest sense, this unity or cooperation may refer to a worldwide religious unity; by the advocation of a greater sense of shared spirituality across the three Abrahamic faiths of Judaism, Christianity and Islam. Most commonly, however, ecumenism is used in a more narrow meaning; referring to a greater cooperation among different religious denominations of a single one of these faiths.”  These three faiths are all monotheistic: meaning the belief that there is one and only one God.

My own personal ecumenical experiences revolve around Christianity and Judaism.   I was born and raised in the Catholic faith and experienced the traditional Sacraments.   The Catholic Church has changed little in formation and dogma, yet it has evolved into a more humanistic and personal faith religion over the years.  I embrace this very beautiful religion which is centered around Jesus and the Eucharist, and has special meaning for me.  In my formative years, when religious instruction was memorizing a Catechism to attain the Sacraments, I was blessed at age 9 to be invited and attend a Presbyterian Bible Summer School. My parents agreed I could go and I was introduced to the additional concept that Jesus was my Best Friend, a concept that is with me to this day. We spent that summer singing lots of hymns to Jesus and making crafts with Him in mind. It was pure and natural to me. Children do not have built-in prejudices against the differences in their lives; they are taught them. Left alone, children are accepting and nonjudgmental.

When I was 13, we moved to a predominantly Jewish neighborhood and I was introduced to bas mitzivahs, bat mitzvahs and the closely knit Jewish family.  All members of the Jewish family participated during the readings at the temple. I found they were very much like our family. They believed in the Old Testament like we do, and were very religious. I experienced the Passover Seder and on sad occasions, gave condolences at Shiva. Did this confuse me?  Not at all.  Although I was entrenched in Christianity, I was experiencing the religion that My Best Friend, Jesus, embraced while on earth. It enlarged my religion by bringing me closer to Him. Now I experienced what He did and added His religious background  to my faith.

In high school, a family member joined the Jehovah’s Witnesses. I always marveled at how they went from house to house witnessing their faith. They still do. The Bible calls us to do that, but not many people do it. There were differences from how the Witnesses practiced their faith from mine, but I did become more aware of their Bible studies and eventually attended Bible classes at my own church.    I learned many Scripture passages that I never knew and became a student of the Bible.  I am ever grateful for that awakening of Scriptures.

In my adult life, I have very dear friends who are Baptists. They are Bible-study enthusiasts, also. When we visit them, we attend their service with them – it usually encompasses most of the Sabbath Day.  At their service, there is a choir that could sing in Carnegie Hall. They are praise-singing people of faith and I find joy and peace listening to their hymns. They even have screens where you can sing along and the whole congregation joins in. We attend their Bible School immediately after the service and partake of their fellowship.  They are faith sharing and caring people. I credit the Baptists for my love and joy of praise songs.

In my work days, a group of us were asked to give a career seminar to members of a Lutheran church. Before we started the seminar, we gathered in the church and had service. My other presenters were not faith-based persons and did not know the name of the songs sung, but I knew from my ‘ecumenical sharings ’ when they broke into “Lord I Lift Your Name on High”, I joined in loud and clear. After the church service, the church members hugged me and were surprised that I knew the song. That bonding moment was a successful vehicle to engaging in seminar objectives – a shared feeling that overlapped into our discussions.  And bonded new friendships.

I love ecumenical bridges. I find new paths and avenues from them to explore God and His Word. I find that although others may worship differently from me, we have many common threads in our tapestry of faith. Recently I learned that the Muslim faith honors one woman - Mary, the mother of Jesus, and devotes a full chapter of their Koran to her.

I never see the differences in these folks and their faiths; I only see the sameness we have in loving God, expressing that Love and sharing our different ways to live it.

 

© Marie Coppola, 2009, updated February, 2016; some rights reserved.

 

"Before borrowing money from a friend, decide which you need more."  A. Hallock

Desperate times call for desperate measures and borrowing money can be one of those measures. Most people do not like to be in the position of asking a friend or family member for a loan, but in these economy-challenged times, the prospect of making a loan looms as a possibility due to shortage of funds. Banks are now reluctant to make loans and many families are experiencing job loss or foreclosures. To meet monetary responsibilities, some may look to their families or friends to 'make a loan'.

It has been said that if you decide to lend money to family or friends for whatever reason, to treat such a loan as a gift. Part of your decision to lend it, should carry the mentality that many people will simply not repay you. It is fair to assume that everyone reading this has borrowed some amount of money to a friend or relative, and never been repaid. Sometimes it's a ten dollar amount and sometimes it is in the thousands.

It has also been said that all loans to relatives should be considered that it is indeed a gift. Since it is a close relationship and you may be aware of the personal circumstances surrounding the request for a loan, the relative may find relief in that it is money that does not have to be paid back quickly because you know what a bind they are in and will have patience until they 'get on their feet' to pay you back. It the repayment is put on the 'back burner' of the recipient for a long period of time, they may either 'forget' about the loan or simply feel that since it is in the family, it need not be paid back soon..... or ever.

It's difficult to refuse to help a relative money-wise when times are going rough for them. If you prefer not to lend money, perhaps you could offer to help them out in some way -- to pay for an expense that is due, or aid them in paying a household expense or other outstanding charges they may have. Again, because of the relationship with family, and also with close friends, it may be uncomfortable to ask them for an IOU [I Owe You] stating the amount and date of the loan.

An IOU is a written statement of a borrower's obligation to pay back a loan or a debt, but makes no promises on how or when the loan will be repaid. If the IOU has the borrower's name, signature, address, date, amount stated, it could be considered a contract that could be enforceable by a court of law to be repaid. Note that State laws and statutes of limitations may vary on the conditions to do so. IOUs are not usually notarized, but it wouldn't hurt if it is a sizeable amount and if something happened to the borrower and you needed to make a claim against his/her estate.

The difference between an IOU and a promissory note is that an IOU only states an amount that is owed to another party. A promissory note states the amount as well as the steps necessary to pay back the debt and the consequences if it is not. It may also be called a loan agreement or personal loan agreement.

A promissory note is a written promise to repay a loan or debt under specific terms. These notes could exist between any relationship consisting of two persons: parent and child, friends, co-workers, etc. This is usually defined by date, and specified series of payments, or simply paid back upon demand. It also verifies the borrower's obligation to repay a debt [with or without interest].**

** Interest is regulated by the state and there are laws regulating it (Usury is defined as the act of lending money at an unreasonably high interest rate, this rate is defined at the state level. Repayment of loans at a usurious rate makes repayment excessively difficult to impossible for borrowers. This is also called "loan sharking" or "predatory lending". Ref: UsuryLaw.com)

The note contains the amount of the loan, terms of the loan, the interest rate - if applicable, the payment schedule and the rights and obligations of the lender and borrower. Promissory notes, like IOUs, do not have to be notarized in order to be considered valid. But again, it wouldn't hurt and could ensure repayment.

Typically, promissory notes are kept by the lender until the amount of money has been paid in full, at which time the payee can request the right to retrieve the promissory note for his or her records along with a written and signed receipt. This should consider the debt paid in full.

Information that should be included in Promissory notes are: Full legal names of both parties, Address to which payment will be sent ;

Interest rate if applicable (see Usury note above); Due dates for payments of both principal and interest; Signatures of both borrower and lender.

Disclaimer: The information contained in this article is provided for informational purposes only and should not be construed as legal advice on any subject matter. The reader should seek and employ qualified legal counsel and not rely on information presented here for any purpose.

There are persons who genuinely honor their obligations and repay their loans. They will keep you up-to-date on their ability to pay amounts and when and how the payments will be made. These persons are very appreciative of the trust you offered and are eternally grateful.

Sadly there are more of the other variety, who make excuses, sometimes end friendships before they repay their debt or simply seem to forget about the loan.  Think it through before you lend.