Resolution 2010: Gotta/Gonna
gonna commence a journey
gotta get on the way
provision and direction
will appear along the way
gotta open brand new doors
become a bit unhinged
gonna loosen the damn tethers
that forge the chains within
gotta sail uncharted waters
lose sight of familiar land
gonna become a fearless sailor
track footprints on exotic sand
some jagged mountains beckon
sheer cliffs gotta be scaled
the ascent gonna bring blessed growth
not to try is to miserably fail
gonna explore hidden valleys
with courage, grit and resolve
all risks are opportunities
problems that gotta be solved
gotta leave my tiny comfort zone
with great dispatch and haste
a new life is mine to have
gonna banish fear with grace
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Happy New Year
I predict that 2010 is gonna be the most important year of our lives.
It’s gotta be, because its the only one we got.
Peace and Prayers Beloved
jbm
You Tube Music Video: Auld Lang Syne Red Hot Chilli Peppers
You Tube Music Video: Beach Boys, Sail On Sailor
Wecome Kwanzaa
Tonight marks the arrival of Kwanzaa. People of good will everywhere welcome this opportunity to bring more light into a world enshroud in darkness. Kwanzaa celebrates community as a vessel to receive and dispense the flow of hope and service required to minister and serve others. It is a wonderful reminder on the importance of community and excellent opportunity to strengthen the bonds of the individual within communities.
The Ancestors Prayer
Our great African parents who are among us we humbly offer our thanks
for the many blessings you have given.
We extend our love to its ultimate state of being –
For the suffering that you have endured so that we may not suffer so.
Mothers of our great African nation Fathers of our African selves –
We invoke you to furthur lead and guide us to a higher understanding
Of our true greatness –
And a more encompassing dedication of love for our African people.
Parents of all African children;
Guide us toward a greater unity –
Guide us in a stronger African Value System and lead us into the zenith of respect and love for our people, through education and the
“Family Communal Structure”
We swear upon the heritage and legacy that you have left us to uphold and sustain our rightful status on this earth, and to continue the struggle for the total mental and physical liberation of all African People.
The following is a Christian prayer offering for Kwanzaa
O come all you faithful, rejoicing and victorious! Come, let us adore the Lord of life and goodness, as we celebrate Kwanzaa and the African American heritage. Come and give thanks and praise for the journey. Jesus, by your mercy, grant us the grace to cherish this life. Guide us to uphold the dignity and respect of life from the moment of conception to its natural end at death. Lead us to be to true to our nature as you created us. We ask these things because we have our roots in the divine origin of Creator, Savior, and Sanctifier, Jesus our Lord. Amen.
Peace to all this Kwanzaa Season.
You Tube Music Video: Seven Principles of Kwanzaa
Prison Ministries: Speaking for Those Without a Voice
MARK 13:1-8 – Restorative Justice Sunday – November 15, 2009
Submitted for the John Hines Preaching Award by the Rev. Pamela Bakal
I recently came back from a Prison Ministry conference and one of the exercises that the participants were asked to do was, “Build the kind of prison that Jesus would want.” They gave us all wooden blocks and we worked together to come up with the ideal prison. We thought surely there should be a large worship space, and a place for multiple classrooms so that the inmates could learn job skills and education. We created an area for a garden so that the splendor of God’s creation would fill both guards’ and inmates’ souls with beauty and peace. We constructed bridges so that the men and women could physically walk through the emotional changes and transitions they would be making in their lives. No matter what we tried the presenter kept shaking her head. And then it dawned on us; Jesus would have torn down the walls of the prison and set the captives free.
In a perfect world there would be no prisons. Building prisons is not the answer. If punishment really worked the recidivism rate would not be at its present statistic of more than 50%. The problem is so much more complex than using the crime and punishment formula. If we are going to solve the problem of our enormous prison population (There are as many in the prison population as there are Episcopalians – 2 ¼ million!) we are going to have to change the way we structure our prisons, and all work together to support our less fortunate neighborhoods.
How do we redesign a society that needs to put so many people in prison? That is precisely what the work of Jesus is about – changing the world and the way we understand it, so that all might be free.
Most of you have probably never seen the Essex County Jail, on Doremus Ave in Newark, New Jersey. Whenever I visit there I feel like the disciple who said to Jesus, “Look, teacher, what large stones and what large buildings!” (Mark 13:1) That jail is huge! There are 3200 inmates housed there! And what is Jesus’ response…” Do you see these great buildings? Not one stone will be left here upon another; all will be thrown down.” Could this be the prison that was conceptualized in the Prison Ministry conference?
This Scripture passage is what we call apocalyptic Scripture. It is about the end time. It can create fear and trembling in some people because one way to read it is that the end of the world could be imminent, and when it arrives we will witness the terrible wrath of God. Those who are good and faithful will be saved, and those who are sinners will be damned forever. They say that when it comes to apocalyptic Scripture, there are two kinds of people; those who love to scrutinize it for symbols and hidden meanings, and those who pass over these texts as quickly as possible. For me apocalyptic Scripture passages contain tremendous hope. Apocalyptic Scripture tells us that God has a mission which God is in the process of fulfilling and perfecting. God is shaping our future, this world’s future, toward an end that is grace filled and loving. When we read and hear these scripture passages about “the end time,” we are challenged to bring them into a meaningful perspective of how God’s reign, God’s Kingdom will be brought in.
And who would not look forward to the end of a world that binds people and keeps them from living out their God given gifts.
Apocalyptic Literature has something in common with Restorative Justice. Restorative Justice is a process that emphasizes repairing the harm caused by criminal behavior, both to the victim and society. It is best accomplished through a cooperative course of action involving victim, offender, community, and government. Rather than viewing the current system of justice as reparations being doled out in dollars and cents, and the “penal” system as punishment for a crime, its focus is to be a system of healing for all parties concerned. These principles are the principles of Jesus: repentance, forgiveness, reconciliation, renewal, healing. We speak of these all the time in church, and as Christians it becomes our mission to bring these values of Jesus into fruition in the world.
Jesus says, “Beware that no one leads you astray.” (Mark 13:5) Haven’t we indeed been lead astray by our retributive system of justice? Punishment is equated with revenge and revenge only multiplies anger and violence. These times look like the end time. We have “kingdoms rising against kingdoms,” (Mark 13:8) such as we might see in gang wars. Violence is creating a vortex that drags our children into the criminal justice system, and any attempt to climb out only gets swallowed up as a tenuous earth cracks beneath them.
Ah, but these might in fact be “the beginning of the birth pangs”. (Mark 13:8) As we see that retributive justice does not work, we will begin the change. Jesus’ sense of justice asks us to respond to evil with love. God’s love for us in Christ Jesus extends grace to all; even those we do not think can be loved. Grace is unearned forgiveness and unearned generosity of spirit. Restorative justice allows a place for grace. To discover how grace operates in the justice system might just bring about the change and transformation needed. As we come to realize the old ways no longer work, as we tear down the old institutions, we allow for grace to enter in. Grace naturally focuses on the future and how things can be changed for the better, both for the victim and for the offender and the community.
Followers of Jesus do not need to fear such a time when all will be thrown down, or wonder what it all means. What might at first appear to be foreboding and anxiety provoking is now transformed into hopefulness and anticipation. We can face the troubles and anxieties of this age because we know that this is not the final state of things. We have reason to be excited that the salvation of the world draws near, and that we too can join with Christ in bringing in a time when the walls of our prisons will be cast down, and our prisoners set free. I thank God that the day is coming when Jesus will make all things new, all things right, all things just, all things infused with grace.
This is very good news.
The Rev. Pamela Brownlow Bakal is Rector of Grace Church in Nutley, NJ and President of Prison Ministry, Diocese of Newark.
Mark 13:1-8 (NRSV)
As he came out of the temple, one of his disciples said to him, “Look, Teacher, what large stones and what large buildings!” [2] Then Jesus asked him, “Do you see these great buildings? Not one stone will be left here upon another; all will be thrown down.”
[3] When he was sitting on the Mount of Olives opposite the temple, Peter, James, John, and Andrew asked him privately, [4] “Tell us, when will this be, and what will be the sign that all these things are about to be accomplished?” [5] Then Jesus began to say to them, “Beware that no one leads you astray. [6] Many will come in my name and say, ‘I am he!’ and they will lead many astray. [7] When you hear of wars and rumors of wars, do not be alarmed; this must take place, but the end is still to come. [8] For nation will rise against nation, and kingdom against kingdom; there will be earthquakes in various places; there will be famines. This is but the beginning of the birth pangs.
You Tube Music Video: Johnny Cash, Folsom Prison Blues
Risk: social justice
Prince of Peace
At last nights Peace Vigil outside of the Teaneck Armory, I am reminded of the grim number of those lost in the senseless war in Iraq has climbed to 4372. This day it is particularly right and fitting that we remember them and those that loved them. Family and friends of the fallen’s pain will be a bit more acute this time of year due to the absence of their beloved. Our prayers and thoughts are with them.
On this night it is also right and fitting to remember the quarter of a million service men and women who continue to serve in Iraq and Afghanistan. These sentinels remain alert and vigilant on the cold windswept deserts of Asia tonight. As they stand under star filled purple skies many will pray for their families and friends at home. Those at home will recite the same prayers and thoughts that their beloved remain safe that they’ll make it through this night and the countless others they have yet to endure until the tide of peace is won.
On this night Christians celebrate the arrival of the Prince of Peace, the Wonderful Councilor whom God sent to redeem a broken world. It is a divine wisdom, a miraculous grace that we must heed in all earnestness. Men and women of good will everywhere hear this call and bring it to all the small places that occupy their lives. We welcome the Christ Child by keeping a lamp lit so all may find a place at the table of peace.
May the Lords Peace be with you always.
Shalom
You Tube Music Video: Oh Come, Oh Come Emmanuel
Joyeux Noel
May the light of peace guide you.
May the warmth of gratitude envelop you.
May the grace of giving embolden you.
May the joy of the season be with you.
May the spirit of love move you.
Merry Christmas
You Tube Music Video:
George Winston, The Carol of the Bells
Come Into The Light
a light
draws us
calls us
compels us
coaxes us
joins us
brings together
a curious necessity
in celebration
a vulnerable fragility
splendid contradictions
perverse diversity
wanton needs
shared humanity
how fragile it is
swaddled wounds
unwashed and unhealed
infirmities revealed
a promise made
all will be cured
come into the light
the spirit implores
I kiss your face
a unique beauty
only revealed
by blessed light
my need for love
finally cured
healed by
the grace of your light
our shared divinity
miraculously
restored
Namaste
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You Tube Music Video:
Rachmaninov Vespers: Joyful Light
peace and prayers beloved
Risk: darkness, isolation
Solstice Solace
Today marks the winter solstice. It is the longest night of the year. Often we believe that the darkness and trials that have occupied our lives will never end. We think them to be permanent fixtures that have taken up residence in our lives. Its easy to forget about the light.
The Torah recounts the stories of Moses leading his people through the barren desert. Time after time the ancient ones were challenged with hardship. They would cry out their complaint bemoaning their circumstance. Some wished to return to the bondage of slavery rather then to continue to suffer the privation born from freedom.
I believe that faith helps empower us to perceive the infinite wisdom of God’s compassion continuously at work in our lives. An active willingness to receive the grace of light is a necessary precondition to lift the vale of darkness. Our ability to discern and a willingness to take action will lead to deliverance from misfortune and privation only if we are open to receive the gift of grace. Understand that the light emanates from many unexpected sources and may light paths to destinations and places that are unfamiliar to us. Trusting that the light will reemerge in our lives will lead to an enlightened state of acceptance and a deep sense of profound gratitude.
Beware of darkness beloved. Trust in the light.
Peace be with you on this winter night.
You Tube Music Video: George Harrison, Beware of Darkness
Risk: complacency, reticence, cynicism, surrender to hopelessness, capitulation
The Profitability of Patriotism: SME Lending
What a difference a year makes. A year ago the banks came crawling to Washington begging for a massive capital infusion to avoid an Armageddon of the global financial system. They sent out an urgent SOS for a $750 billion life preserver of tax payers money to keep the banking system liquid. Our country’s chief bursar Hank Paulson, designed a craft that would help the banks remain afloat. Into the market maelstrom Mr. Paulson launched the USS TARP as the vehicle to save our distressed ship of state. The TARP would prove itself to be our arc of national economic salvation. The success of the TARP has allowed the banks to generate profits in one of the most prolific turnarounds since Rocky Balboa’s heartbreaking split decision loss to Apollo Creed. Some of the banks have repaid the TARP loans to the Fed. Now as Christmas approaches and this incredible year closes bankers have visions of sugar plum fairies dancing in their heads as they dream about how they will spend this years bonus payments based on record breaking profitability. President Obama wants the banks to show some love and return the favor by sharing more of their balance sheets by lending money to small and mid-size enterprises (SME).
Yesterday President Obama held a banking summit in Washington DC. Mr. Obama wanted to use the occasion to shame the “fat cat bankers” to expand their lending activities to SMEs. A few of the bigger cats were no shows. They got fogged in at Kennedy Airport. They called in to attend the summit by phone. Clearly shame was not the correct motivational devise to encourage the bankers to begin lending to SMEs. Perhaps the President should have appealed to the bankers sense of patriotism; because now is the time that all good bankers must come to the aid of their country. Failing that, perhaps Mr. Obama should make a business case that SME lending is good for profits. A vibrant SME sector is a powerful driver for wealth creation and economic recovery. A beneficial and perhaps unintended consequence of this endeavor is the economic security and political stability of the nation. These are the worthy concerns of all true patriots and form a common ground where bankers and government can engage the issues that undermine our national security.
The President had a full agenda to cover with the bank executives. Executive compensation, residential mortgage defaults, TARP repayment plans, bank capitalization and small business lending were some of the key topics. Mr. Obama was intent on chastising the reprobate bankers about their penny pinching credit policies toward small businesses. Mr. Obama conveyed to bankers that the country was still confronted with major economic problems. Now that the banks capital base has been stabilized with Treasury supplied funding they must get some skin into the game and belly up to the bar by making more loans to SMEs.
According to the FDIC, lending by U.S. banks fell by 2.8 percent in the third quarter. This is the largest drop since 1984 and the fifth consecutive quarter in which banks have reduced lending. The decline in lending is a serious barrier to economic recovery. Banks reduced the amount of money extended to their customers by $210.4 billion between July and September, cutting back in almost every category, from mortgage lending to funding for corporations. The TARP was intended to spur new lending and the FDIC observed that the largest recipients of aid were responsible for a disproportionate share of the decline in lending. FDIC Chairman Sheila C. Bair stated, “We need to see banks making more loans to their business customers.”
The withdrawal of $210 billion in credit from the market is a major impediment for economic growth. The trend to delever credit exposures is a consequence of the credit bubble and is a sign of prudent management of credit risk. But the reduction of lending activity impedes economic activity and poses barriers to SME capital formation. If the third quarter reduction in credit withdrawal were annualized the amount of capital removed from the credit markets is about 7% of GDP. This coupled with the declining business revenues due to recession creates a huge headwind for SMEs. It is believed that 14% of SMEs are in distress and without expanded access to credit, defaults and bankruptcies will continue to rise. Massive business failures by SMEs shrinks market opportunities for banks and threatens their financial health and long term sustainability.
The number one reason why financial institutions turn down a SME for business loans is due to risk assessment. A bank will look at a number of factors to determine how likely a business will or will not be able to return the money it has borrowed.
SME business managers must conduct a thorough risk assessment if it wishes to attract loan capital from banks. Uncovering the risks and opportunities associated with products and markets, business functions, macroeconomic risks and understanding the critical success factors and measurements that create competitive advantage are cornerstones of effective risk management. Bankers need assurances that managers understand the market dynamics and risk factors present in their business and how they will be managed to repay credit providers. Bankers need confidence that managers have identified the key initiatives that maintain profitability. Bankers will gladly extend credit to SMEs that can validate that credit capital is being deployed effectively by astute managers. Bankers will approve loans when they are confident that SME managers are making prudent capital allocation decisions that are based on a diligent risk/reward assessment.
Sum2 offers products that combine qualitative risk assessment applications with Z-Score quantitative metrics to assess the risk profile and financial health of SMEs. The Profit|Optimizer calibrates qualitative and quantitative risk scoring tools; placing a powerful business management tool into the hands of SME managers. SME managers can demonstrate to bankers that their requests for credit capital is based on a thorough risk assessment and opportunity discovery exercise and will be effective stewards of loan capital.
On a macro level SME managers must vastly improve their risk management and corporate governance cultures to attract the credit capital of banks. Using programs like the Profit|Optimizer, SME’s can position themselves to participate in credit markets with the full faith of friendly bankers. SME lending is a critical pillar to a sustained economic recovery and stability of our banking system. Now is the time for all bankers to come to the aid of their country by opening up credit channels to SMEs to restore economic growth and the wealth of our nation.
You Tube Music Video: Bruce Springsteen, Seeger Sessions, Pay Me My Money Down
Risk: banking, credit, SME
Lighting a Lamp for the Festival of Lights
Why was I born to see these terrible things,
the ruin of my people and of the holy city?
Must I sit here helpless………
1 Maccabees 2 7
Today we celebrate Hanukkah, The Festival of Lights. The holiday recounts the re-dedication of the Temple that was desecrated by a force of foreign invaders. All the oil in the temple had to be thrown away save a single vessel previously sealed and sanctified by the rabbis and suitable for burning. The oil from the jar miraculously burned for eight days. The 25th day of Kislev was dedicated as a day to remember, the Festival of Lights.
Hanukkah and the stories recounted in the Book of the Maccabees testifies to the faithfulness of a people to endure by engaging the pressing challenges that confronted them. The Festival of Light is an expression of gratitude for the faithfulness of God. We are the grateful heirs to our spiritual ancestors, the ancient people of Judah. They remind us to light the lamps to honor the faithfulness of the One Who Cannot Be Named. We remain ever thankful to the One who lights the pathway and provides the means and nourishes the fortitude of faith that sustains us.
Selah
You Tube Music Video: Neil Young, Light a Candle
Risk: capitulation to hopelessness






