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paying it forward pays you back.

Two weeks ago, I placed an order for 11 DVDs and 2 books from the Desiring God website. I have received the goods and I am absolutely delighted because I will soon embark on a JP buffet. My DYLM cell group would be the immediate beneficiaries of this purchase for they will feast on my regurgitation (if you know what I mean). My friend helped me to process the order and sent it to his friend who happened to be in the States. He actually went two miles for me for he paid for express delivery to ensure that the products arrived at his friend’s place before his friend returned to Singapore. When he passed it to me last Saturday, he refused to accept my payment. “Let me bless you”, he said. I was stunned, but thankful to God and appreciative to this brother. I offered to buy him lunch, but he said, “If you were blessed by it, then go and bless someone else”.

The year was 2004. I had a group of friends who gathered frequently at a friend’s house in Kembangan to play all kinds of boardgames. I stayed in Bishan then. It was a good 45-minute commute home. One in two times, this friend who hosted the gathering would send me back to Bishan, then travelled back home. I thanked him for his hospitality and I remember he said that it was his (then) fiancee’s father who taught him to be generous. He quoted his father-in-law, “Go and bless others”.

A year on, I remember how I paid it forward. I sent one of my musicians home after a late-night worship practice and he was appreciative of my gesture. He said, “Eh bro, thanks man, next time when I start driving, I’ll definitely send you home”. I replied, “Don’t mention, send others home instead”. I realised that this pay-it-forward mentality was already ingrained into me.

If I wrote an autobiography, I would be able to fill out an entire chapter with God’s blessings to me through people, in point form. I consider myself to be a blessed person and so from time to time, I will pay for meals and drinks, especially if the other person is younger than I am, or is one of my sheep. When they show their appreciation, and whenever I remember to say it, I will tell them to “Go and bless [their] sheep” then.

“… Remember the words of the Lord Jesus, how he himself said, ‘It is more blessed to give than to receive.'” (Acts 20:35b)

When I was younger, I was a selfish boy who subscribed to the “Give and Take” theory – you give, I take. I don’t know about you but the older I get, the more I want to bless others. I used to keep track of how much I spent on someone and my spending amount was directly proportionate to that person’s relational proximity to me. And I take mental notes; if the person doesn’t reciprocate, I’d reduce or cease completely the next time I am presented with an opportunity to bless him or her. I thank God that He’s helped me to overcome my old childish ways.

At the same time, I will also never be able to out-give my mentors; I don’t think they expect me to anyway. And just as my mentors have invested their time, energy and resources into me, I have done likewise, but I paid it forward to my mentees. I am convince that when we start to give without expecting anything in return, we become liberated gift-givers and blessing-bringers. I cannot deny how God has blessed me over the years and each time He blesses me through someone to remind me of His faithfulness, I can’t help but to be liberated and encouraged to be even more generous with my friends.

My friends, we will never be able to out-give God and it’d be crazy if we tried to out-give one another. May I then encourage all of us to give unreservedly, love unconditionally and expect absolutely nothing in return – especially to those who are in need. When all of us get involved in meeting each other’s needs, no one will be in need anymore. I don’t subscribe to the “full circle” theory, but you never know, one day all these blessings may return to you, but will probably end up with your children instead. I am half-confident to know that my youths – the ones whom I’m investing my life into right now – will, in time to come, invest their lives into my children and my children’s children.

Let’s pay it forward, for the valueless payment we receive for paying forward actually has the greatest payback value of all.

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financial advice: how to invest your money.

I’m three months shy of turning 21 years old for the seventh time and I’d like to think that I’ve had a blessed life. Of course, I could always be happier but I’ve arrived at a stage of my life where I’ve never been so contented with my current material well-being.

I have a healthy variety of shirts, pants and shoes to choose from, a good collection of watches, a decent guitar, camera and laptop, a branded wallet and a smartphone. Two years ago, I remember counting my collection of 20+ Threadless t-shirts and 10+ Crumpler products. My room is hooked up with a 27″ LCD TV and a 5.1 surround-sound system. Bottom line is, there’s nothing I need, really, and I’m thankful to have (almost) everything that I’ve always wanted to purchase. I’ve done my fair share of possessions-accumulation during my days of earning a higher income.

But, so what? All these thing amounts to nothing at the end of the day for I will take none of these with me when I exit this earth; they will be useless and worthless eventually.

Of course I still have material desires – I’ve been eyeing this and this for some time now and each time I walk past an optical shop, I’d always check if that pair of sunnies is in stock and if there’s a promotion, and without fail, I’d politely say to the disappointed sales representative, “Okay thanks, maybe I’ll get it next time”, and walk away. Would I ever buy it? I think the question I ask myself these days is, “Is that good stewardship of money?” I’d be honest to admit that I’m still tempted by some items but I also deliberately desensitise myself from accumulating things.

I like what RS, the founder of this website, stated about conscious spending, for there’s truth and logic in his philosophy, even if it’s of a secular mentality:

“Spend extravagantly on what you love and cut costs mercilessly on what you don’t.”

Having a reduced income over the last nine months have certainly helped me to be more decisive and cruel in differentiating my needs and wants. At the same time, it has also helped to shape my “investment portfolio”. While I’m a prudent spender and a happy saver, I don’t think I’m qualified to give real financial advice – I mean, did you really think I was going to teach you how to invest your money on my blog? Come on! (:

But I’d like to share with you how I have been investing my money and why I’ve chosen to do it this way. Perhaps this could encourage or challenge you to revisit your spending habits and investment inclinations. I’m not sure if these items have eternal worth, but I’m confident that they have a life-long value. So, please allow me to share the three things I delightfully invest money in:

  1. People. I used to be stingy in treating people to meals. But over the years, I’ve learnt to be progressively generous, simply because people have been exceedingly generous with me. Nowadays, I’m always quite happy to foot the bill, especially if I am fellowshipping with a young person who has lesser resources. When people buy me meals, they indirectly tell me that I’m worth their time and money. And so, I pay (pun!) it forward – I hope my young people will feel the same way too – that they are worth my time and money. (Pun!) I’m putting my money where my mouth is. (I can also instantly detect those who are out to exploit this…)
  2. Knowledge. The older I get, the more I spend on books, seminars, conferences and audio CDs and DVDs. In fact, I just took advantage of the Desiring God July DVD sale and invested good money in some DVDs which I will be sharing with my cell. As for gifts, I also find myself buying books because I think that there’s nothing better than to give my friends the gift of knowledge. Besides, this is one investment that can be passed around, shared and revisited.
  3. Perspective. Lastly, I always enjoy expanding my horizon of perspectives and there’s no better way to do that than to visit new places and to do new things. I try to go on a couple of vacations every year and I always try to visit new destinations. I enjoy investing into my worldview (and sabbath too!). I get a kick from meeting new people, learning new languages, visiting new places, immersing in new cultures, tasting new cuisines and enjoying new experiences. And as a budding preacher, I believe that all these new perspectives will empower and enhance my ambitions to be a more dynamic and balanced communicator.

People, knowledge and perspectives are indefinitely more valuable than material possessions and I’d gladly invest extravagantly on them. Apart from these three items (at this point in my life), the rest of my money is really spent for function’s sake, like functional eating and functional travelling. My question then, to you, is:

What do you invest your money in?

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