What’s the difference between bible study and the sermon?

FPCOC Youth Group

I’ve been getting this question a lot lately. And i’ve always been confused with it myself when i was younger. But it seems like everyone has been equating the bible studies that we do on Friday’s as the same thing as the sermon on Sundays. It’s tricky to distinguish because on the surface level we’re just studying God’s word in both instances. How do we distinguish the two? I think it’s best to compare and contrast:

Things that bible study and the sermon has in common:

1) We study God’s word

2) Someone is teaching

3) we pray

4) we sing praise songs

The difference between the Bible study and the sermon:

1) people ask questions during bible study and not during the sermon.

That’s because bible studies are meant for your questions to be asked. Bible study is supposed to be more interactive. The sermon is God’s word being…

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u.s. grant’s humiliation — 8/04/17

Today’s selection — from American Ulysses: A Life of Ulysses S. Grant by Ronald C. White.
U.S. presidents did not receive pensions until well into the 20th century. Prior to that time, a president was expected to return to work to earn his living after serving. For U.S. Grant, who was never well situated financially, this was a challenge. For this reason, late in his life, he joined a small Wall Street firm that had been started by his son Buck and Buck’s friend Ferdinand Ward, who was reputed to be a financial wizard. Soon he learned to his horror that his firm was nothing more than a Ponzi scheme, and he was soon destitute:
“Today, we might call [Ferdinand] Ward’s maneuvering a Ponzi scheme, made infa­mous by Bernie Madoff in 2008. In Grant’s day, it was called ‘rehypoth­ecating.’ It worked like this: Ward paid abnormally high interest to his customers by pledging securities as collateral on a loan, whereas the same securities had previously been pledged for other loans. As a result, Ward was able to pay his investors their interest by siphoning off money from new investments. None of his customers knew, including the two Grants. [By late 1883, Grant] estimated his wealth at $1.5 million, mostly thanks to Ward’s investments.  …
Wall Street Panic of 1884
“Sometime in early 1884, Horace Porter, Grant’s former aide and now president of the Pullman Palace Car Company, felt compelled to warn the general that the profits he had heard about could not be legitimate. It just so happened that when he arrived at Grant’s house, Ward was pres­ent. And after listening to the enthusiastic Ward and watching the gen­eral’s appreciative response, he withdrew, deciding not to interfere.
“On Sunday afternoon, May 4, 1884, Ferdinand Ward rang the door­bell at 3 East Sixty-sixth Street. Ward’s visits to Grant’s home were always welcome, but usually he did not come uninvited. A maid escorted him into the parlor, where he was greeted by Grant and Buck. He told the two men the Marine Bank was in grave difficulty because the city chamberlain had decided to withdraw some of the city’s funds.
“Grant expressed surprise and asked how this matter concerned him. Ward replied that since Grant and Ward had $660,000 deposited there, this could put the firm’s financial position in jeopardy.
“Buck interjected, But isn’t the bank good for the funds?
“Certainly. Nothing to be worried about in the long term. But the firm would need money to cover the potential shortfall. Ward said he already had checks for $230,000 but wondered if the general could borrow an­other $150,000 that day. Ward assured Grant the money would be needed for only twenty-four hours.
“Grant agreed to try to borrow the money. With Ward and Buck in tow, he traveled in his carriage down Fifth Avenue, stopping at the tur­reted fifty-eight-room home of William H. Vanderbilt. Once inside, em­barrassed by his unannounced call, Grant explained the reason for his visit. Vanderbilt, eldest son and heir of Commodore Cornelius Vander­bilt, made it a habit not to make personal loans. Known to be a cantanker­ous man, he told Grant, ‘I care nothing about Marine Bank. To tell the truth I care very little about Grant & Ward. But to accommodate you personally I will draw my check for the amount you ask. I consider it a personal loan to you and not to any other party.’
“Grant accepted the check for $150,000.
“He rejoined the younger men in the carriage and returned to Sixty­-sixth Street, where he endorsed the check and handed it to Ward. [The] young Napoleon assured the old general the whole matter would be all right.
“On Tuesday, May 6, the Marine Bank opened its doors promptly at ten A.M. The bank’s directors arrived and assembled for their weekly meeting. But … where was Ward? Someone contacted his office, but no one had seen him.
“The directors’ meeting ended at eleven A.M. A few minutes later, all doors to the bank were locked even as depositors began to congregate outside. …
“In midday, Grant arrived at his office at 2 Wall Street. Crowds milled in the street, but newspaper reporter Alexander Noyes wrote, ‘The gen­eral looked neither to right or left.’ As Noyes watched, ‘Nobody fol­lowed him, or spoke to him, but everyone in the cynical “hard-boiled” group took off his hat.’ The young reporter declared, ‘It was not so much a tribute of respect to a former Chief Magistrate as spontaneous recognition of the immense personal tragedy which was enacting before our eyes.’
“Behind closed doors, Grant asked Buck what had happened.
” ‘Grant and Ward has failed, and Ward has fled. You’d better go home, Father.’
“Not saying a word, Grant steadied himself on his crutches, which he still used five months after his [recent] fall, walked silently past the gathering crowd, and made his way home.
“Deeply humiliated, he told Julia all that had happened. Then he opened his wallet and removed its contents: $81. She had $130. All his dreams for retirement had vanished….
“Grant determined he would repay every debt, starting with what he owed William Vanderbilt. He prepared an accounting of all he owned: his farm in Missouri, homes in Galena, Philadelphia, and Washington, plus land in Chicago. He gathered his swords, campaign maps, the gold medal awarded by Congress, the pen used to write orders for the Battle of the Wilderness, and rare souvenirs acquired on his world tour. Julia con­tributed jewelry and vases, including her prize vase filled with gold coins given them in many countries. Grant held back nothing. In the end, he believed the total amounted to almost exactly $150,000.
“He sent everything off to Vanderbilt. Upon returning from a Euro­pean vacation to find Grant’s shipment, the financial titan was perplexed. He notified Grant he would return everything. Grant would not hear of it.
“In the end, Vanderbilt accepted the repayment and wrote Julia, ‘All articles of historical value and interest shall at the General’s death, or if you desire it sooner, be presented to the government at Washington where they will remain as perpetual memorials of his fame, and of the history of his time.’ Vanderbilt acted both to preserve Grant’s pride and to preserve his story for future American generations.
“Even though Vanderbilt took title to the house at 3 East Sixty-sixth Street, he insisted Grant and Julia continue to live there.
“The public did not blame Grant. Most Americans believed him an un­informed bystander to Ward’s gigantic swindle. Known and unknown persons stepped forward to help.
“Charles Wood, who owned a brush factory in Lansingburgh, New York, wrote the general, ‘I enclose check for five hundred dollars on ac­count my share due for services ending about April 1865.’ He did so be­cause ‘I owe you this for Appomattox.’ Reading of ‘the Grant Failure’ in the Troy Daily Press, Wood simply wanted to help.
“Grant immediately wrote Wood to acknowledge this gift from a stranger. Within days, two more checks from Wood totaling $1,000 ar­rived. ‘The country will rally for you but large bodies move slowly,’ he encouraged. …
“On the afternoon of May 27, the doorbell at 3 East Sixty-sixth Street rang. Once again, Ferdinand Ward stood at the entrance. Having been arrested on May 21, and destined to spend the next eight years in jail, he was free on bail. He wished to see Grant for only a few minutes. The general sent his answer: he had no more to say.”
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American Ulysses: A Life of Ulysses S. Grant

Publisher: Random House
Copyright 2016 by Ronald C. White
Pages 629-633

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a brief guide to the interstate highway system — 6/20/17

Today’s selection — from The Long Haul by Finn Murphy. A trucker’s tips for understanding the U.S. Interstate Highway system:
 
“Here’s a kind of fun primer for you four-wheeler drivers out there: On the US Interstate Highway System there’s always a mile marker represented by a small green sign on the right shoulder. Truckers call them lollipops or yardsticks. Within each state, mile markers run south to north, so in South Carolina mile marker 1 is one mile from the Georgia border, and mile marker 199 is at the North Carolina border. On a horizontal plane, mile markers run west to east, so on I-80 in Pennsylvania mile marker 311 is at the New Jersey border, and mile marker 1 is near the Ohio border. When truckers communicate with each other, they use lollipops to give a location such as ‘Kojak with a Kodak 201 sun­set,’ meaning a state trooper has a radar gun at mile marker 201 on the westbound side.

Page from Rand McNally 2016 Road Atlas
“Interstate highways have even numbers for east-west routes and odd numbers for north-south routes. The larger the odd num­ber, the further east it is, and the larger the even number the fur­ther north it is. I-5 goes up the West Coast, and I-95 goes up the East Coast. In between, the major routes are I-15, 25, 35, 55, 75, and 85. East-west I-10 (the Dime) goes from Jacksonville, Florida, to Los Angeles (Jayville to Shakeytown). I-90 goes from Boston to Seattle (Beantown to Needle City). In between are I-20, 40, 70, and 80. Three-digit numbers indicate spur routes to the system. Odd-numbered three-digit routes do not reconnect to the main highway; even-numbered routes are circular and are usually belt­ways around cities. Using Washington, DC (Bullshit City), as an example, I-495 goes around the city, and I-395 ends in the city. It’s a simple system that works extremely well except in massive, older urban areas like Chicago (Windy City), where the route numbers coalesce into a Rubik’s Cube of confusion.
“Every driver should own and use the Rand McNally Motor Carriers’ Road Atlas. Get the one with the laminated pages so when you spill your coffee you can wipe it off. It’s the best fifty-nine dollars you’ll ever spend. Forget about online systems, and don’t rely on the voice. It can be useful as a backup, but your primary guide needs to be a map. You need to visualize the route in your mind. Willie Joyce told me that since they started using GPS, drivers get lost or confused three times more than when they used road maps.”
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The Long Haul: A Trucker’s Tales of Life on the Road

Author: Finn Murphy
Copyright 2017 by Finn Murphy
Pages: 116-117

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incentives can impede productivity

Today’s encore selection — from Drive: The Surprising Truth About What Motivates Us by Daniel H. Pink. Financial incentives, or “pay-for-performance,” have been demonstrated as effective for improving productivity in jobs that are repetitive or transactional. But as the type of work in our society increasingly evolves toward creative work — such as designing new software, creating new marketing campaigns or inventing new products — it is worth noting that not only are financial incentives less effective in eliciting improved performance for this type of work, they can actually impede performance:
“Behavioral scientists often divide what we do on the job or learn in school into two categories: ‘algorithmic’ and ‘heuristic.’ An algorithmic task is one in which you follow a set of established instructions down a single pathway to one conclusion. That is, there’s an algorithm for solving it. A heuristic task is the opposite. Precisely because no algorithm exists for it, you have to experiment with possibilities and devise a novel solution. Working as a grocery checkout clerk is mostly algorithmic. You do pretty much the same thing over and over in a certain way. Creating an ad campaign is mostly heuristic. You have to come up with something new.

“During the twentieth century, most work was algorithmic — and not just jobs where you turned the same screw the same way all day long. Even when we traded blue collars for white, the tasks we carried out were often routine. That is, we could reduce much of what we did — in accounting, law, computer programming, and other fields — to a script, a spec sheet, a formula, or a series of steps that produced a right answer. … The consulting firm McKinsey & Co. estimates that in the United States, only 30 percent of job growth now comes from algorithmic work, while 70 percent comes from heuristic work. A key reason: Routine work can be outsourced or automated; artistic, empathic, nonroutine work generally cannot.

“The implications for motivation are vast. Researchers such as Harvard Business School’s Teresa Amabile have found that external rewards and punishments — both carrots and sticks — can work nicely for algorithmic tasks. But they can be devastating for heuristic ones. Those sorts of challenges — solving novel problems or creating something the world didn’t know it was missing — depend heavily on … the intrinsic motivation principle of creativity, which holds, in part: ‘Intrinsic motivation is conducive to creativity; controlling extrinsic motivation is detrimental to creativity.’ In other words, the central tenets of Motivation 2.0 [external ‘carrot and stick’ motivation] may actually impair performance of the heuristic, right-brain work on which modern economies depend.
“Partly because work has become more creative and less routine, it has also become more enjoyable. That, too, scrambles Motivation 2.0’s assumptions. This operating system rests on the belief that work is not inherently enjoyable — which is precisely why we must coax people with external rewards and threaten them with outside punishment. One unexpected finding of the psychologist Mihaly Csikszentmihalyi … is that people are much more likely to report having ‘optimal experiences’ on the job [in heuristic work] than during leisure. But if work is inherently enjoyable for more and more people, then the external inducements at the heart of Motivation 2.0 become less necessary. Worse, as [Edward L.] Deci began discovering forty years ago, adding certain kinds of extrinsic rewards on top of inherently interesting tasks can often dampen motivation and diminish performance. …
“What happens when you give people a [complex] conceptual [problem] and offer them rewards for speedy solutions? Sam Glucksberg, a psychologist now at Princeton University, tested this in the early 1960s by timing how quickly two groups of participants solved the … problem. He told the first group that he was timing their work merely to establish norms for how long it typically took someone to complete this sort of puzzle. To the second group he offered incentives. If a participant’s time was among the fastest 25 percent of all the people being tested, that participant would receive $5. If the participant’s time was the fastest of all, the reward would be $20. Adjusted for inflation, those are decent sums of money for a few minutes of effort — a nice motivator.
“How much faster did the incentivized group come up with a solution? On average, it took them nearly three and a half minutes longer.’ Yes, three and a half minutes longer. (Whenever I’ve relayed these results to a group of business people, the reaction is almost always a loud, pained, involuntary gasp.) In direct contravention to the core tenets of Motivation 2.0, an incentive designed to clarify thinking and sharpen creativity ended up clouding thinking and dulling creativity. Why? Rewards, by their very nature, narrow our focus. That’s helpful when there’s a clear path to a solution. They help us stare ahead and race faster. But ‘if-then’ motivators are terrible for [complex conceptual problems]. As this experiment shows, the rewards narrowed people’s focus and blinkered the wide view that might have allowed them to see new uses for old objects.”
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Drive: The Surprising Truth About What Motivates Us

Publisher: Riverhead Books
Copyright 2009 by Daniel H. Pink
Pages: 27-29, 40-42, 59-60

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the star-spangled banner — why baltimore? — 4/07/17

Today’s selection — from The Accidental Superpower by Peter Zeihan. America’s location makes it almost invulnerable to invading forces from other countries. The last best chance any country had to disrupt America’s progress was the British during the geographically pivotal battle for Fort McHenry in 1814:
“Beyond Mexico and Canada, there are no other powers that could even theoretically march on American territory. … As hard as it is to conceive of a credible military threat to the United States arising in North America, coming up with one from beyond the conti­nent strains the imagination. The oceans serve as fantastic buffers, sharply limiting unwanted interaction with the larger populations of Europe and East Asia. … The shortest distance from Europe to the United States is over three thousand [miles].
“Considering the distances involved, the outside world missed its best chance to disrupt America’s development in the War of 1812, one of only two occasions when the Americans faced an extrahemispheric invasion (the other being the Revolutionary War). The critical battle was for Fort McHenry in September 1814.

“The British had sacked and captured Washington, D.C., just three weeks before and were moving north by land and sea toward Baltimore. At the time, Baltimore was the largest city in the region and a notorious hub for the privateers who had been raiding British shipping lines. But it was also the sole meaningful land link between the northern and south­ern states: With the Allegheny Mountains to the west, all roads hugged the Chesapeake Bay, which in turn led to the bay’s major city and port. As importantly, the entirety of inland America was dependent upon Bal­timore. The Cumberland Narrows through the Appalachians lay just to the west, and only three years earlier the government had begun construc­tion on a road to connect the Potomac River to the Ohio valley. Instead of a months-long sail down to New Orleans, then up the Mississippi to the Ohio, this new National Road would allow Baltimore to serve as an imme­diate outlet for Pittsburgh and lands beyond.

“If the British could hold Baltimore, the war’s other theaters would be rendered moot and the young America would be split into North, South, and interior. Luckily for the Americans, Major George Armistead’s heroic defense of Fort McHenry convinced British commanders that the post could not be taken with available forces. While time has eroded the details from the American mind, all Americans instantly recognize the descrip­tion of the battle and its outcome as recorded by an American who watched the battle from the deck of a British vessel where he was being held pris­oner: Francis Scott Key’s ‘Star-Spangled Banner.’ “
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The Accidental Superpower: The Next Generation of American Preeminence and the Coming Global Disorder

Author: Peter Zeihan
Copyright 2014 by Peter Zeihan
Pages: 58-60

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voters never approved the euro — 4/06/17

Today’s encore selection — from War and Gold by Kwasi Kwarteng. European countries have high levels of trade with each other, so they needed currency exchange rates that are relatively stable. In the early twentieth century, having their currencies tied to gold provided that. After World War II, it was provided by the Bretton Woods agreement, which tied these major currencies to the dollar, which was in turn tied to gold. But after President Richard Nixon took the U.S. off the gold standard in 1971, the need reappeared and a number of European countries created a mechanism called the “snake,” which constrained fluctuations of currencies, and then the “exchange rate mechanism,” which did much the same thing. But the ultimate dream was to create a single currency — the euro — in one of the boldest monetary initiatives in history. For something so resolute and so laden with potential moral hazard, and for something that has in recent years contributed to so much European economic pain, it was surprisingly the creation of technocrats, and never taken to any country’s voters for their approval:
“The fiscal situation of the European countries which aspired to join the single currency [in 1997] did not inspire confidence. All through the late 1990s, the lack of preparedness of certain EU countries to join the euro was a subject of open debate. ‘There has, of course, been some sleight of hand,’ wrote Rupert Cornwell in the Independent in February 1998. ‘It remains mysterious quite how Italy, which for years regularly ran double-digit budget deficits, conveniently slashed last year’s to a mere 2.7 per cent of GDP.’ It was obvious, even before the euro was launched, that the single currency was an almost purely political project, which would be pursued without any real regard for the underlying economic reality. As the Frenchman Jacques Rueff had said, ‘Europe will make itself by money or not at all.’ The words of the Portuguese Prime Minister António Guterres at the Madrid summit in December 1995 were even more grandiose and emphatic: ‘When Jesus resolved to found a church, he said to Peter, “You are Peter, the rock, and upon this rock I will build my church.” You are the euro, and upon this new currency we will build our Europe.’

“There was never any idea that the people of Europe, the citizens of the individual states, would be consulted before this momentous step was taken. As [Otmar] Issing [the German economist who also served as a member of the European Central Bank’s first executive board], himself later admitted, it was ‘doubtless in Germany that resistance to EMU was the greatest’. The decision to ‘abandon the D-Mark required a great deal of political courage’, he remembered. In opinion polls conducted as late as the autumn of 1995, only 34 per cent of Germans were in favour of the single currency, while 45 per cent were against. Needless to say, these figures were reversed as the decade wore on and the single currency became more imminent. By the spring of 1999, some 55 per cent of Germans now supported the single currency while only 36 per cent continued their opposition.

“In the same poll from 1995, the Finns were shown to be the least in favour of the currency among the nations which eventually joined: 53 per cent of Finns were hostile to the currency, while only 33 per cent approved. It is important to grasp the extent to which Europe’s political elites were committed to the single currency. The reasons why numerous political figures and bankers became strong advocates of the euro differed. For the Germans, it was often as much a symbol of fiscal discipline as a badge of European unity. For Issing, the benefits of the euro were explicitly focused on the need for fiscal discipline. This was a view widely held in Germany and the Netherlands.
“The people of Europe, of course, had not been consulted before the single currency was officially launched on 1 January 1999. The euro was always conceived as an elite project, conjured up by technocrats, to be foisted upon a largely acquiescent and amorphous European public. There was as yet no European superstate, a fact which worried Germans, unsure of whether a monetary union was possible without a political union.”
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War and Gold: A Five-Hundred-Year History of Empires, Adventures, and Debt

Publisher: PublicAffairs
Copyright 2014 Kwasi Kwarteng
Pages: 277-278

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