If there’s anything that the church should really be striving for, it’s approval from secular groups: “An official with the One Campaign, the global anti-poverty program backed by rock star Bono, said that his organization strongly supports the Christian Reformed Church’s Sea to Sea 2008 Bike Tour.”
It’s the beginning of tax season. Since I’m still in school, I typically have to get my returns done early so that I can include them as part of financial aid applications. This year I used H&R Block’s TaxCut software so that I could get the returns done quickly and smoothly.
One of the options that the software gives you when you are done is the option to compare your return with the national average for your income bracket. Here are some interesting results of that comparison, drawn from the 2005 tax data (the latest for which they had numbers):
Average salary/wages for my bracket: $65,453
Charitable contributions: $2,835
That means that in that income bracket the average deduction for charitable donations was 4.35%.
For 2005, individual private giving to charitable causes reached almost $200 billion (PDF), and made up the vast majority of the total $260 billion in giving reported to the IRS. “Religion” has historically been the single highest sector for allocation, topping $93 billion in 2005.
Also in 2005, Barna reported some findings on charitable giving trends, noting that the average for American household giving was 3% and that 9% “born again” Christian adults tithed in 2004.
In this week’s Acton Commentary I examine “The Truth about Tithing.”
“Whatever benefits we claim to receive from tithing, whether spiritual, emotional, or financial, these are not to be the reason that we give. We give out of obedience to God’s word,” I write.
Here’s a link to a Marketplace Money report from last Friday that was the proximate occasion for the piece, “Tithing can be a good investment.” It’s a pretty disgustingly caricatured picture of tithing we get from the Marketplace report.
One more bit of evidence that the press just doesn’t “get” religion.
Thanks to Rob Chaney at the Missoulian, the touching story of young Caden Stufflebeam is told. Chaney wrote a piece titled, “Rocks to riches: Missoula boy sells stones he finds to buy food for needy.”
Appropriately noted as the top story for the paper in Missoula, Mont., Caden has been collecting and selling rocks and donating the proceeds to the less fortunate. The young boy is filled with an abundance of generosity and spiritual knowledge. Christ declared in Matthew, “I tell you the truth, unless you change and become like little children, you will never enter the kingdom of heaven.” Caden noted:
I think I might keep on selling rocks, Then I can buy more bags for the hungry to eat other dinners. I think God has a purpose for me to sell rocks.
As a quick follow-up to Ray’s post yesterday, be sure to check out the work of Arthur C. Brooks on charitable giving. The spring issue of Religion & Liberty featured an interview with him, and his book, Who Really Cares?, was the basis for a special focus on ABC’s 20/20 (hosted by John Stossel):
John Stossel: “But it turns out that this idea that liberals give more is a myth. These are the twenty-five states where people give an above average percent of their income, twenty-four were red states in the last presidential election.”
Arthur Brooks, Who Really Cares, author: “When you look at the data, it turns out the conservatives give about thirty percent more per conservative-headed family than per liberal-headed family. And incidentally, conservative-headed families make slightly less money.”
Connecting the links between so-called “red” states, conservatism, religiosity, and the south are interesting and instructive exercises.
I remember riding back to seminary in Kentucky a couple years ago with a young lady and we pulled off the expressway to grab a bite. As we were getting ready to pay our bill, the young lady, who happened to be from Mississippi, said, “God is telling me to give 100 dollars to this young man behind the counter of this restaurant. ” Needless to say this young man was thankful of God’s decision to speak through the young woman in this manner.
An article by Heather Donckels and a study by empty tomb, inc shows that Southerners as a group give the most to church and religious organizations. Empty tomb, inc. is a Christian research organization in Champaign, Illinois.
If there are any Southern evangelicals who have been a member of a church during a building campaign, this study makes even more sense. Midwesterners placed second in the study. While Southerners lead in overall charitable giving, they give less as a group to charities outside of the religious domain.
Donckels notes in her piece:
The North American Religion Atlas, using data from the 2000 census, shows a high concentration of Protestants in the South while Catholics dominate the Northeast. For example, only 8 percent of people in the South are Catholics, compared to 42 percent of New Englanders.
Francis Butler, president of the Washington-based Foundations and Donors Interested in Catholic Activities, said research shows Catholics give about 1 percent of income to charity. Protestants, meanwhile, generally give double that, he said.
While this may be one factor of many, there is obviously more to giving than denominational demographics. One obvious factor may be that religious participation and church attendance is higher in Southern states, compared with other regions. Cultural differences are probably more of a factor than denominational factors.
Also in the article, University of Mississippi professor Charles Reagan Wilson is quoted as saying:
The South’s approach to giving has stressed private charity over governmental assistance. Southerners have long tended to be conservative on issues of government, stressing provision from family and churches rather than government intervention in times of crisis.
So it seems, there is still a flickering spirit of Jeffersonian political philosophy alive in Dixie.
Whenever an ex-president releases a new book there is considerable buzz in the media. When Bill Clinton released a new book in Chicago this week the buzz was more than considerable. President Clinton’s new book, Giving: How Each of Us Can Change the World (Knopf 2007), is sure to provoke good and important discussion. My hope is that those who love him, as well as those who despise him for whatever reason, will take a long look at his central argument (even it they refuse to buy his book). The argument he makes is simple and he uses stories to make it—each of us can make an important difference in the world, a much greater difference than we’ve ever imagined. (more…)
The Acton Institute’s 2007 Samaritan Award winner for outstanding private, voluntary charitable service has been awarded to the Arkansas Sheriffs’ Youth Ranches, Inc. Their mission statement reads, “To address, remedy, and prevent child abuse and neglect by creating safe, healthy, and permanent homes for children.” One of the outstanding aspects of the program is their belief in not abandoning those who participate in their program just because they reach a certain age. Participants are allowed to stay involved and seek guidance beyond their post-secondary education, and until they’re able to foster their own independence in their lives. It strongly promotes a belief that the leaders and supporters of the ranch believe in them beyond any conditions or variables.
Arkansas Sheriffs’ Youth Ranches and other Samaritan honorees were also featured in a special double issue of World Magazine titled “Profiles in Effective Compassion.” Intake counselor Suzi Williams noted, “Our program is so small compared to the sins of the world.” World Magazine also noted, “Only 5 percent of the Ranch’s operational support comes from government sources.” An excellent informative and promotional video is also available on the Ranch’s Web site. Check out the World Magazine issue (subscription required) for complete coverage of Arkansas Sheriffs’ Youth Ranches and the Samaritan honorees.
When the sign for one of those payday lending stores went up on the corner a block away from my house, I have to say I was less than enthusiastic.
The standard response in a market economy to “market failure” is for a nonprofit to fill the gap in services or meet the need. Today’s NYT reports on efforts in the short-term loan industry to meet that need. As it stands in the market system, “Payday loan stores, which barely existed 15 years ago, now outnumber most fast-food franchises. Typically a customer borrows a few hundred dollars in exchange for a check, postdated to the next payday, made out in the amount of the principal plus a fee of $15 to $22 per $100 borrowed.” 22 dollars every two weeks works out to about 572 percent annual interest.
The troubling part of this is that those who are most likely to need these kinds of loans are the poor, people who are hit the hardest by higher rates of interest. It’s also clear that they are making some very poor fiscal decisions.
Nonprofit groups are in the early stages of setting up programs to help ameliorate the situation. GoodMoney, a joint venture of Goodwill Industries and Prospera Credit Union, charges about half of what for profit lenders charge. That still works out to over 200 percent interest annually, but “Of the $9.90 that GoodMoney charges per $100 borrowed, nearly half goes to writing off bad loans, Mr. Eiden said, and the rest to database service and administrative costs.” In the case of Ms. Truckey, profiled in the NYT piece, because of GoodMoney, “A few dollars from each payment go into a savings account, the first she has had in years.”
Programs like GoodMoney are still in their infancy and it’s clear that charging some level of interest might be a necessary part of encouraging responsibility and promoting independence on the part of the borrower. And market levels of interest approaching 600 percent per annum seem a bit like throwing someone in debtors prison if they can’t pay back a loan: there’s simply no way out of the mounting debt.
Now whether or not the amount that GoodMoney is charging isn’t precisely clear (there are no entries for GoodMoney at either GuideStar or Charity Navigator, and GoodMoney’s website doesn’t seem to disclose a breakdown of the programs expenses), but the enterprise itself is an interesting exercise in meeting the needs coming out of a pretty clear instance of market failure.
- With next week’s reading of Rauschenbusch in view, here’s how Kuyper evaluates Christian socialists: “Socialists constantly invoke Christ in support of their utopias, and continually hold before us important texts from the Holy Word. Indeed, socialists have so strongly felt the bond between social distress and the Christian religion that they have not hesitated to present Christ himself as the great prophet of socialism” (27).
- Here’s what Jesus’ social message really consists in: “If you ask what Jesus did to bring deliverance from the social needs of his time, here is the answer. He knew that such desperate needs grow from the malignant roots of error and sin, so he placed the truth over against error and broke the power of sin by shedding his blood and pouring out his Holy Spirit on his own. Since rich and poor had become divided because they had lost their point of union in God, he called both together back to their Father who is in heaven. He saw how the idolizing of money had killed nobility in the human heart, so he held up the “service of Mammon” before his followers as an object for their deep contempt. Since he understood the curse that lies in capital, especially for the man of great wealth, he adjured him to cease his accumulation of capital and to gather not treasure on earth, where moth and rust corrupt and thieves break in and steal (Matt. 6:19). He rejected the rich young man because he could not decide to sell all his goods and give to the poor. In his heart Jesus harbored no hatred for the rich, but rather a deep compassion for their pitiable condition. The service of Mammon is exceedingly difficult. Sooner would a camel go through the eye of a needle than would a rich man enter the kingdom of heaven (Matt. 9:16-24). Only when the possession of money leads to usury and harshness does Jesus become angry, and in a moving parable he tells how the man who would not release his debtor is handed over to torturers and branded as a wicked servant who knows no pity (Matt. 18:23-35)” (37-38).
- Likewise Kuyper says: “The socialists so flatly reverse [this] when they preach it: “But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you.” (Matt. 6:33). For both rich and poor, Jesus’ teaching simultaneously cuts to the root of sin in our human heart” (39-40).
- The deep interconnections between material want and spiritual need: “A charity which knows only how to give money, is not yet Christian love. You will be free of guilt only when you also give your time, your energy, and your resourcefulness to help end such abuses for good, and when you allow nothing that lies hidden in the storehouse of your Christian religion to remain unused against the cancer that is destroying the vitality of our society in such alarming ways…You do not honor God’s Word if, in these circumstances, you ever forget how the Christ, (just as his prophets before him and his apostles after him) invariably took sides against those who were powerful and living in luxury, and for the suffering and oppressed. Even more appalling is the spiritual need of our generation. When, in the midst of our social misery, I observe the demoralization that follows on the heels of material need, and hear a raucous voice which, instead of calling on the Father in heaven for salvation, curses God, mocks his Word, insults the cross of Golgotha, and tramples on whatever witness was still in the conscience–all in order to inflame everything wild and brutish in the human heart–then I stand before an abyss of spiritual misery that arouses my human compassion almost more than does the most biting poverty” (62-63).
- Solidarity as expressed ultimately in the sacrament of communion: “The tremendous love springing up from God within you displays its radiance not in the fact that you allow poor Lazarus to quiet his hunger with the crumbs that fall from your overburdened table. All such charity is more like an insult to the manly heart that beats in the bosom of the poor man. Rather, the love within you displays its radiance in this: Just as rich and poor sit down with each other at the communion table, so also you feel for the poor man as for a member of the body, which is all that you are as well. To the poor man, a loyal handshake is often sweeter than a bountiful largess. A friendly word, not spoken haughtily, is the gentlest balm for one who weeps over his wounds. Divine compassion, sympathy, and suffering with us and for us–that was the mystery of Golgotha. You, too, must suffer with your suffering brothers. Only then will the holy music of consolation vibrate in your speech. Then, driven by this sympathy of compassion, you will naturally conform your action to your speech. For deeds of love are indispensable” (77). See also 1 Corinthians 11:17-34.
- Is state welfare an adequate substitute for Christian charity? Never: “The holy art of ‘giving for Jesus’ sake’ ought to be much more strongly developed among us Christians. Never forget that all state relief for the poor is a blot on the honor of your Savior” (78).
Next week: Walter Rauschenbusch, Christianity and the Social Crisis.