...Methods of Evangelism Austin Catania Liberty University Online The Four Spiritual Laws The Four Spiritual Laws are basic and to the point ways on how to inform men and women of the good news of salvation through Jesus Christ. If you know of someone who you think is ready to hear the gospel, the Four Spiritual Laws is a simple organized way of sharing the gospel. The First Law is that “God loves you, and offers a wonderful plan for your life.” As God made the ultimate sacrifice of having his only Son die on the cross for you and me, he did it out of love so that we may live with Him forever in heaven. John 3:16 is the perfect verse in explaining the ultimate sacrifice, “For God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life.” (John 3:16, NIV). The Second Law is “Man is sinful and separated from God. Therefore, he cannot know and experience God's love and plan for his life.” The Bible clearly states that “All have sinned and fall short of the glory of God" (Romans 3:23). Thus why Jesus was sent to die on the cross, so that he may build a bridge between us, sinners, and God. God had a plan so that sinners may experience God’s love and be able to see the path God has for us. The Third Law states that “Jesus Christ is God's only provision for man's sin. Through Him you can know and experience God's love and plan for your life.” Jesus died in our place, he took the beating and suffering so...
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...Essay Question 4 In what manner do the prophets speak to the following 3 issues: idolatry, social injustice, and religious ritualism? Cite examples of the prophets speaking to each of these issues. Knowing what the prophets had to say about these issues, what practical applications can be drawn from those teachings for today? Submit this assignment through SafeAssign by 11:59 p.m. (ET) on Friday of Module/Week 8. In this teaching we are able to look at some of the major prophets in the bible as they try and warn a nation that was falling away from God. From this teaching we are able to see many similarities to what is now going on in modern day times. Idolatry, social injustice, and religious ritualism in today’s society is almost more prevelant than what was happening in the old testament, and within these teachings of the prophets lies a lot of wisdom for anyone seeking the Father in heaven. Several of the prophets in the Old Testament had much to say in regards to idolatry, social injustice, and religious ritualism. Some of the prophets in this teaching that we will look closer at will be Jonah, Isaiah, Hosea, Micah, and Ezekiel. The word idolatry is not used much in our modern day, but many of us might not know that this is an area of discussion that God really wanted us to listen to. Every Christian knows that the Ten Commandments are the structure or foundation to living a Christian life. The first two commandments God told Moses to write down were “You shall...
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...Ryan Conaghan Dr. Gonzales BIBL 105-C05 5 March 2015 Essay #2 God calls his people to obedient. In return for obedience, God promises to provide. During the time of Solomon the people of Israel lacked obedience. God as king was no longer good enough. Israel’s lack of obedience caused them to anoint a king that also lacked faith in the Lord. Man is broken and even great leaders have flaws. Israel’s demand for a king ultimately resulted in the division of the kingdom. During the time of Samuel, the people of Israel desire a king. God had promised to provide for the Israelites and in return God asked for obedience and love. Throughout the Old Testament God always provided for the Israelites yet God’s people regularly rejected him. God was no longer valued as king, and the people of Israel asked God to give them a King. In 1 Samuel 8:5 the elders came to Samuel and said “You are old, and your sons do not follow your ways; now appoint a king to lead us, such as all the other nations have (NIV).” Samuel warned the people of Israel that a king would reign over them and claim the people as rights, yet the Israelites neglected to listen. Israel desired a king in flesh to lead them into combat and keep them accountable. All other nations had a King, therefore Israel wanted a king. Samuels spoke to the people, “When that day comes, you will cry out for relief from the king you have chosen, but the Lord will not answer you in that day (1 Samuel 8:18)” but his warning fell on deaf...
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...Throughout Genesis 1-11 we see God’s love for his creation. Genesis starts the foundation of Biblical worldview first describing God as the creator of all things. In the reading this week “God is introduced as an absolute personal being who cares about His creation and the human struggle of the fallen world.”(Ed Hindson, The Essence of the Old Testament). The scriptures also help us to understand how to view the world and how God has played a huge part in the creation of it all. God created the natural world in six days. Can you imagine creating everything from the oceans, to every single living organism on this earth, in just six days? I cant, but thank goodness God decided to rest on the seventh day. Through that seventh day, God presents the way our lives should look. In the Jewish tradition there is such a thing called a Sabbath, this tradition states that on the seventh day of the week there is rest. “By the seventh day God had finished the work he had been doing; so on the seventh day he rested from all his work. Then God blessed the seventh day and made it holy, because on it he rested from all the work of creating that he had done.” says Genesis 2:2-3. Therefore, we should take to heart that we need rest in our busy lives. We tend to get so run down with the cares of this world and forget that the seventh day is a holy day. When it comes to the creating of the earth God knew what he was doing. There has always be a controversy about whether evolution is real or not. The...
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...BIBL 105 Short Essay 2 As we follow the events of the nation Israel, we see the hand of God in every turning point of their history. How He brought them out of Egyptian bondage under the leadership of Moses, to the possession of the land of promise under the leadership of the great commander Joshua. History then points us, to the book of 1 Samuel showing how God transitioned His covenanted nation away from the failing theocratic administration under the tribal judges toward the theocratic administration of the united monarchy; thus the era of the reign of kings were born (Hinson and Yates 2012:162). Samuel the righteous judge of Israel is raised up to serve during a time when the nation was declining both morally and politically. The priesthood was corrupt and the hearts of the people were far from God. The Philistine oppression was great and had wrought a great slaughter among them. It was Samuel whom God used to ultimately usher the nation back to Him. “So the Israelites put away the Baals and the Ashtaroth, and served the Lord only. Samuel said, Gather all Israel to Mizpah and I will pray to the Lord for you. So they gathered at Mizpah and drew water and poured it out before the Lord and fasted on that day and said there, we have sinned against the Lord. And Samuel judged the Israelites at Mizpah.” (1 Sam 7:4-6 AMP). Now as Samuel began to age, he appointed his two sons as judges over Israel, but they did not possess the righteousness of Samuel. They were...
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...The Bible talks a lot about the teachings of Hebrews wisdom on diligence and laziness. An example is Solomon’s teachings on wisdom and diligence with contrast between wisdom and folly. This topic is mostly found in the books of Proverbs where the Proverbs are mostly sharing wisdom. Solomon whom authored Proverbs and was well known for the gift he received from God after being asked for anything he chose wisdom and that’s what he received. When he taught about diligence he always tried to contrast it with laziness with parallels. He teaches that a diligent man will never want. Proverbs 13:4 says, “… the soul of the diligent is richly supplied.” In Proverbs 21:5,”The plans of the diligent only lead to abundance…” while Proverbs 10:4 says, “The hand of the diligent enriches”, and Proverbs 12:11 says, “He who works his land will have plenty of food.” And all those these things seem outright and not too important, they obviously had to be other wise Solomon wouldn’t have recorded them then. But because of the money Solomon’s kingdom had there was a lot of room for laziness for the people. In the eyes of the diligent people the lazy people were low lives or people who they just didn’t like or care for. An example is Martha who worked so hard she missed almost all of Jesus’ sermon in Luke 10:40 in her own house. Solomon says diligence is described like this, “She looks after the ways of her household, and the bread of idleness she will not eat.” This teaching could bring a lot...
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...As Samuel grew in age he intended to appoint one of his sons as the king of Israel. His sons however did not follow the ways of their father or God. “They turned aside after dishonest gain and accepted bribes and perverted justice” (I Samuel 8:3). The people of Israel desired a king, “a king like all the other nations” (Hindson and Yates, 2012. P.164). The people had grown tired of oppression and felt that “the lack of a strong human leader as the cause and did not realize that the reason for the oppression was a spiritual on-their failure to serve God” (Harbin, 2005, p.219). Saul was not God’s choice for the throne but “he was the people’s choice” (Hindson and Yates, 2012. P.164). Saul’s appointment as king was against the “old theocratic ideal that God alone was King of Israel (I Samuel 8:5). Saul’s reign lasted from 1029-1005BC (Roux and Williams, 2012). Saul had great military talent and garnered God’s support by reuniting the Israelites and crushing the Ammonites. Nearing the final years of Saul’s reign “he was very pre-occupied with David’s increasing fame which severely depressed him” (Roux and Williams, 2012). Saul had even gone so far as to hunt David down in order to kill him. In 1 Samuel 16:14 we see were Saul had lost God’s spirit and He had replaced it with and evil spirit. Saul had begun to suspect everyone around him of plotting against him. After God refused to bless Saul in a battle he did the unthinkable. Saul “consulted a medium at Endor” (Roux...
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...Product: Household Products - Food products Eggs Dozens/Last 30 Days Heavy (3+) (Principal Shoppers) Total Homemakers Total '000 Proj '000 Pct Pct Down Index Across Total 141733 48358 34.1 100 100 Men 44420 14028 31.6 29 93 Women 97313 34330 35.3 71 103 Educ: Graduated college plus 41659 13053 31.3 27 92 Educ: Attended college 26178 8880 33.9 18.4 99 Educ: Graduated high school 43231 14855 34.4 30.7 101 Educ: Did not graduate HS 17494 7196 41.1 14.9 121 Educ: Post graduate 14126 4437 31.4 9.2 92 Educ: No college 60726 22051 36.3 45.6 106 Age: 18-24 11341 3651 32.2 7.6 94 Age: 25-34 25619 8540 33.3 17.7 98 Age: 35-44 26425 10283 38.9 21.3 114 Age: 45-54 28853 10327 35.8 21.4 105 Age: 55-64 23150 7798 33.7 16.1 99 Age: 65+ 26345 7760 29.5 16 86 Adults 18-34 36959 12191 33 25.2 97 Adults 18-49 77986 28059 36 58 105 Adults 25-54 80897 29150 36 60.3 106 Men 18-34 12552 3867 30.8 8 90 Men 18-49 25324 8107 32 16.8 94 Men 25-54 25949 8194 31.6 16.9 93 Women 18-34 24407 8324 34.1 17.2 100 Women 18-49 52662 19953 37.9 41.3 111 Women 25-54 54948 20956 38.1 43.3 112 Occupation: Professional and Related Occupations 20927 6610 31.6 13.7 93 Occupation: Management, Business and Financial Operations2151 1 3960 32.6 8.2 96 Occupation: Sales and Office Occupations 20680 6559 31.7 13.6 93 Occupation: Natural Resources, Construction and Maintenance Occupations 4605 1624 35.3 3.4 103 Occupation: Other employed 22283 7936 35.6 16.4 104 HHI: 150,000+ 12467 3975 31.9 8.2 93 HHI: $75,000-$149,999 36833 12942...
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...Question 1: From this case study, it showed how Lehman Brothers walked down to the end of it business. Through Lehman Brothers’ case, it reflects the ugly side of a corporate. A big recognized company collapse due to it unsuccessful leadership management, culture and dishonesty by it people caused the company walked down to the end of it business. There are several points showed how it gone bankrupted. By using the ethical perspective to look at Lehman Brothers’ situation, it showed that the company being dishonest to it clients, failure in the company leadership and corporate management are the major problems that lead to the company downfalls. As a Wall Street icon, they disappointed the public and being irresponsible towards their actions, against the ethnical issue by not being honest to review the actual situation of the company, but using others method to cover it annual report. In my opinion, the top management is the main issue that caused the downfall of Lehman Brothers. According to the case study, it mentioned the major problem at Lehman was culture and reward, it showed the top management of the company did not have a structure way to motivate and guide their employees on the appropriate way of doing tasks. For example, individuals who makes questionable deals were hailed and treated as “conquering heroes” and the others who questionable the decision was often being ignored. This shows that the company only wants to have short term earning instead of...
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...Lehman Brothers Holdings Inc. The control break downs of Lehman Brothers Holdings Inc. included the massive amount of money borrowed to fund its investments. A considerable portion of this investment was in real estate, which made the investment defenseless against a fall in the market. Lehman also used one of its small companies to reallocate investments off its books. The firm was active in the market for Residential Mortgage Backed Securities (RMBS). The process involved buying several residential mortgages, combining them and selling them as securities. RMBS buyers actually purchased claims on the cash flow generated by the securities. Lehman produced a great amount of these securities, making the demand high for mortgage originators. This led mortgage originators to extend credit to people who were not credit worthy, or did not have enough income causing these people to have upside down mortgages on their homes when housing prices plummeted in 2006. In 2000, the stock market started to decline and the Federal Reserve significantly reduced interest rates. These lower interest rates caused inexpensive mortgage payments, which lead to a large demand for homes. Homeowners took advantage of the low interest rates and refinanced their mortgages. In 2008, Lehman announced that they would file for bankruptcy after a huge loss in the market, a loss of investors and their inability to find an adequate buyer. Soon after, their collapse set the market into panic mode...
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...Word Article Analysis Unethical Practices in Accounting ACC/291 Principles of Accounting 2 Michaele Musters Instructor: Word Article Analysis of Unethical Practices in Accounting Ethical Practices and conducts maybe taken or act different by everyone, thus many times to identify unethical practices and behaviors, we have to see who is in control. It is essential to analyze what can be done, or thought what might be done against legally acceptable accounting principles and conducts. The Sarbanes-Oxley act of 2002, was enacted by The United States Congress to protect investors from fraudulent accounting practices, made by fraudulent executives in corporations. After the Scandal, the entire accounting world changed in many ways, that it created a new vision and ways of work. It sort of created a world of winds of anxiety for corporate executives and accountants. In the Sarbanes-Oxley act , there is a section call 302 that requires management to certify the accuracy of the reported financial statement. Then all corporations were forced to reform strictly to improve financial disclosures to prevent accounting frauds. After the Act, management introduced internal control in order to comply with all the Sarbanes-Oxley act requires for a corporations behavior. Today, all corporations are obligated to certify the company’s financial reports. They are also responsible and they must take full responsibility if there is a misleading, or fake accounting information...
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...ignored basic regulatory rules which created financial danger. Basic rules are the way companies grow and expand. Their desire to make money at all cost was more important than following basic ethical values. 2) What was the culture at Lehman Brothers like? How did this culture contribute the company’s downfall? The culture at Lehman Brothers was to take risks at all costs. When Transactions were presented to them they ignored the warning signals costing them. This eventually led to shady deals which eventually lead to the company’s downfall. Repo 105 is a good example of how Lehman misused this device to get some $50 billion of undesirable assets of its balance sheet at the end of the first and second quarter of 2008, instead of selling those assets at a loss. They continued to take lots of risks which caused them to lose a lot of money, there by bringing down there previously good name. They did tax deals like Repo 105 and didn’t care if it was legal or not. 3) What role did Lehman’s executives play in the company’s collapse? Were they being responsible and ethical? Discuss. They were very stubborn, and displayed very bad conduct and poor judgment. Valuka’s report was highly critical of Lehman’s executives who should have done more, done better. He pointed...
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...Repo 105 On September 15th 2008, the fourth largest U.S investment bank, Lehman Brothers, filed for chapter 11 bankruptcy. With revenues peaking at $19.2 billion in 2007 and over $600 billion in assets, the collapse of Lehman became the largest bankruptcy in history. Lehman’s demise was attributed to their aggressive investment strategy and significant exposure to the subprime mortgage market. As the housing bubble grew, Lehman Brothers acquired several mortgage lenders, some of the acquired firms frequently made loans to home buyers without full documentation (Jeffers 2011). When consumers began defaulting on mortgages and market conditions began to unravel, Lehman as well as many other banks faced huge losses. The write down of debt securities had significant adverse effects on Lehman’s balance sheet. Furthermore, credit rating agencies began focusing more on leverage ratios of investments banks. Lehman’s leverage ratios were already extremely high. A downgrade on Lehman’s credit rating would have sent Lehman’s share price on a downward spiral and hinder their ability to receive financing. In order to prevent these occurrences Lehman would have to sell some of its assets or raise capital. Lehman was unable to sell any of its assets or raise any capital because no one knew what the value of their complex mortgage securities were. In response to deteriorating economic conditions the investment bank used a very aggressive accounting maneuver called “Repo 105”, its...
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...other purposes” (Kimmel, Weygandt, & Kieso, 2011). Mainly, the act was a result of the continuous increase in the number of accounting scandals that can be related to falsification of entries on company’s financial statements. Some of the recent examples of corporate and accounting scandals were that of Enron, Adelphia, Tyco International, World Com, and Peregrine Systems, among others (Levine, 2013). The objective of this paper is to focus on and analyze one of such scandals. In this paper, the Lehman Brothers’ issue with the SEC regarding their malicious use of the Repo 105 maneuver will be studied, focusing on the audit report that the external CPA firm issued, speculations on the company’s statements, analysis of the management and auditor’s responsibility in the falsified financial reporting, the sanctions under the SOX and key actions that the concerned regulatory boards should make. Repo 105 Securities and Exchange Commission Accounting Scandal with Lehman Brothers and Ernst and Young Analysis of the Audit Report When the great financial crisis of 2008 erupted, it left a lot of United States corporations, mostly financial firms, under the water. Some of them were offered bail by the United States government but the damage was so severe plus the government could only do so much that only a handful of the bankrupted companies were saved by the bail offer. Lehman Brothers was one of the unfortunate companies...
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...for its operations. This office furthered their trading business and introduced them to the financial industry. In later years, Lehman became involved in the New York stock exchange where the underwriting business began. The firm grew rapidly and was very successful for years. After many years of hard work and success the company collapsed and filed for bankruptcy in 2008. Lehman had been unhealthy for a while and covered it up by secretly shuffling debt around to make its books look in order and deceive the real situation. Lehman used an aggressive accounting method to hide their losses and made it difficult for investors, executives and/or auditors to detect their actual financial status. This accounting method is known as REPO 105, which is repurchase agreement a bank uses to borrow cash short term. Lehman Brothers abused the accounting practice of repurchase agreements. Lehman Brothers was in a bad shape and they played the game of window dressing its balance sheet. The company was reporting short term loans as sales and utilizing the proceeds to pay off its debt. Lehman was borrowing short term cash with assets...
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