What’s Your Favorite Fruit of the Holy Spirit?

Galatians 5:22-23 lists the fruits of the Holy Spirit which are love, joy, peace, patience, kindness, goodness, faithfulness, gentleness, and self-control. Quite a powerful list of fruits, which begs the question: what’s your favorite fruit?

Many Christmas cards tout love, joy, and peace, in some combination, which means they must be high on the list, don’t you think? As I reflect on which ones have the most meaning in my life, I choose joy and peace. I thank the Holy Spirit for these foremost, for what they bring me on a daily basis while I live on this earth.

Joy—there’s nothing more precious than the feeling of deep pleasure and a fulfillment so strong that there’s no void or no space for anything else—total gratitude for feeling so deliciously, soulfully, full. And then because there’s no such thing as a struggle-free life, when things try to rob you of your joy, that’s where the feeling of peace is so powerful. There’s no words to describe the awareness that you’re in a storm but that you’ll be alright, regardless of the outcome. Your chosen mindset: this too shall pass, and there will be more joy around the corner.

Joy and peace work so well together. They go hand-in-hand to keep joy at an even keel regardless of what the devil and his demons throw at you. My favorite lifetime fruits of the Holy Spirit at Joy and Peace. Amen!

So what’s your favorite fruit?


About the Author: Sandra Dillon is a professional coach with an extensive background in premarital/marriage, finances, ministry, and leadership. She coaches individuals and couples to find their purpose, be the heroes of their own life stories, and help them be a shining light in this spiritually dark world. You can learn more about Sandra or engage her as you coach by reaching out to her at shinecrossings@gmail.com

Why a Daughter Needs a Dad

limor-zellermayer-qHYC8ajXLB0-unsplashToday is Father’s Day: the perfect time to reflect on why a daughter needs a dad. I didn’t have a dad in my life from 6 to 12 years of age. My stepdad came onto the family scene when I was 13 and played the role of dad during my teenage years. As a single man with no children of his own, he did the best he could as a father figure. I’m grateful for the love and kindness she showed my brother and me through our formative years.

Sons and daughters need and learn different things from each biological parent. A daughter needs a dad to …

  • give her hugs and kisses
  • provide a safe home
  • help her to learn from her mistakes
  • teach her to believe that she deserves to be treated well
  • teach her to make wise decisions
  • tell her truthfully that is she is beautiful inside and out
  • protect her from the boogie man
  • be a soft place to land
  • make her feel that she is unconditionally loved
  • teach her the standard by which she should judge men
  • teach her values and the importance of family
  • be one of her heroes
  • protect her when she’s not wise enough yet to protect herself
  • help her take risks so she can build self-confidence while not saving her from the consequences of her own decisions
  • teach her the difference between selfish and selfless
  • prepare her for hardships of life [no one gets a struggle-free life]
  • create a positive legacy for her family and the generations to come
  • show her that a man’s strength is in the kindness of his heart and not the anger in his voice
  • give her gentle pushes to help her grow
  • provide guidance when she has to resolve her own troubles
  • teach her the joy of serving others
  • calm her when she is stressed by her challenges
  • teach her how things work and show her how to fix things for herself
  • teach her to experiment and challenge her own assumptions
  • tell her what she needs to know about boys and how to recognize a gentleman
  • stand with her on her wedding day
  • model a good husband and father

If you’re a daughter, which handful of needs do you cherish the most in a dad? Would you add any to the list? As I look back on my life, the three needs I wanted fulfilled were:

  • teach her the standard by which she should judge men
  • a soft place to land
  • be one of her heroes

One of my favorite sayings: “No one gets a struggle-free life.” Although I didn’t have the ideal daddy-daughter relationship, I hope that any father reading this will pause, reflect, and choose to try and fulfill these needs in his daughter’s life. It’s never too late to start.


About the Author: Sandra Dillon is a marriage coach along with her husband, Darin, who help couples across the world via seminars, workshops, and private sessions. She customizes a relationship journey tailored based on curriculums from their own content, Prepare & Enrich, SYMBIS, FOCCUS, and Marriage on the Rock. Couples design their marriage, learn tools, and then work toward achieving their vision. Learn more about the ministry or sign up for a session by contacting Sandra at shinecrossings@gmail.com

 

Dog Rescue: A Passionate Tale about Tails

Pepper

Alex and Pepper

Shine Ministry Spotlight: Step into the World of Rescue with Alex Davis


Spotlight gives ministries and volunteers the opportunity to share their passion to connect with others who may want to contribute or partner with their mission.


Does your heart ache when you see the photos of sad dog faces, some of whom are bruised, battered, and starved? Have you wondered how you could possibly help those poor souls who have no voice? You can. Learn more about the rescue world and how you can make a difference in the lives of both rescuers and their forever families—one foster, one adoption at a time.

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You’ve probably heard the horror stories of raids on puppy mills, properties of pet hoarders, and dog fighting rings. Maybe you’ve encountered a hungry dog rummaging through garbage on the side of the road. Texas and many southern state shelters are full of unwanted animals who’ve grown up on the streets, were dumped on the side of the road, or owner-surrendered to a local high-kill shelter. The euthanasia list is a continuous tally of dogs who are days, hours, and minutes from their last breath. Yes, the stories are sad, but there is hope for many of these dogs. Just a few states away, in Colorado the local shelters and Human Societies are relatively empty with many families wanting to adopt a life-long companion.

Brylie

States such as Texas and New Mexico have supply and Colorado has demand—a perfect solution. But how do we get these dogs to their forever families? The heroes are the non-profit rescues and their dedicated volunteers who step in to fill this void. Their sacrificial stories are amazing—joyful, heart-wrenching, tiresome, and heart-warming. One young woman’s story will both inspire you and leave you feeling exhausted. My prayer is that Alex’s story will move you to take just one small step deeper into the rescue world where your efforts will be personally rewarding.

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Alex’s Story

When Alex was 6 years old, her mother asked her, “What do you want to be when you grow up?” She replied, “I want to be a seal trainer, have 10 dogs, 10 cats, and 10 kids.” In middle school, Alex slept in the garage for a week on a blow-up mattress with 2 stray dogs she nick-named Scooby and Spice. You could say she was babysitting those two until she could find their owners. In high school, Alex volunteered at the Houston SPCA. Now at 25, Alex is a certified veterinary technician with 3 dogs and 1 cat. She’s fostered over 200 dogs in nearly 4 years and directly touched the lives of thousands of rescue animals. What does the future hold for Alex? Who knows, but it may be too small to fit in those 10 kids.

Scobby

Alex and Scooby [2004]

She adopted her first dog in 2013, followed by a second and a cat in 2014. Based on a New Year’s resolution, in January 2016 she submitted her foster application to New Hope Cattle Dog Rescue (NHCDR) and got her first heeler, Juno, that March. Over 50% of first-time fosters adopt their rescue, and Alex almost became one of those statistics. She refused to become a “foster failure” and pushed through her tears to let Juno go to another family, so she could once again foster and give more dogs a chance at a forever home.

Today she searches social media sites for dogs to tag, runs short- and long-haul transports, provides basic medical care, screens adopters, does adopter home checks, evaluate fosters, helps with behavioral training, attends and sets up adoption events, serves on the Board of Directors of NHCDR, and works collaboratively with many other rescue non-profits.

How Does Rescue Start?

As Alex became more entrenched into the rescue world, she became aware first-hand of the struggle in springing a dog out of so-called Texas prison. There are multiple hands that touch a dog’s life from when it’s pulled off the Texas streets or shelter to its forever destination in the home of a Colorado family. The most critical need in the system is available foster homes—especially in Texas where the process begins.

SpotRescue starts when someone posts on social media, commonly Facebook, a dog found dumped on the streets or when volunteers post photos/video of available shelter dogs. Yes, there are volunteers who walk the Texas shelter aisles—whose sole purpose is to put those adoptable dog faces behind wire cages on social media, so someone’s heart can be tugged. A Colorado rescue can commit to take the dog but will only do so if it has a short-term foster in the shelter area that can hold the dog for about 1-3 weeks while out-of-state transport can be arranged and the minimum vetting completed to take the dog across state lines.

Two PittiesShelters will routinely allow registered 501c3 rescues to pull dogs for free by submitting their nonprofit incorporation papers or completing shelter forms. Ideally, the local foster will provide a home environment, learn of the dog’s behaviors and personality, take it to a vet to secure its health certificate and vaccinations (at rescue expense), and ensure it makes its transport to Colorado when space has been secured.

SprinklesColorado volunteers will pick up the dogs off transport and typically take them to their next foster home until they are adopted. Fosters take daily care of the dogs, which includes helping with training (crate, potty, behavior, and basic commands). Dogs are also spayed and neutered before their adoption. On average fosters give a loving home to these rescue dogs for a couple days to a couple weeks and commit to taking them to scheduled adoption events, vet appointments, and meet-and-greets with potential adopters.

OxAdoptable dogs are posted on the rescue’s website, social media pages, and available at the adoption events. Potential adopters must fill out an application and are screened, which includes home and vet (if family own other pets) checks. The adopting family must typically agree that the dog spend most of its time indoors. Although each rescue has its own rules, most have a trial adoption period to make sure the fit is right. At any time if the family can no longer care for the dog, the contract stipulates it must be returned to the rescue. This process delivers a high permanent adoption rate.

The Price to Adopt

Most rescues require a $250 – $350 adoption fee, which barely covers the cost of vetting (vaccines, heartworm test, deworming, spay/neuter, etc.) and transporting across state lines. Behavioral training, food, supplies, and special medical care (orthopedic surgeries, Distemper, Parvo, etc.) are typically covered by donations—not the adoption fees.

OakMany people don’t understand why the adoption fees are so high for unwanted rescue animals. The truth is that rescues want to make sure they put a happy and healthy dog in the home of its forever family. With that end goal, rescues are just covering their basic costs in the adoption fees.

Fostering Makes You a Rescue’s Hero

Rescues are looking for fosters with big hearts. There aren’t any special requirements to be a foster other than a willingness to open your home and show patience as a dog acclimates to its new trauma-free environment. As Alex says, “If you can love a dog, have patience, and be understanding, you can be a good foster.”

IMG_6318Fosters may find they work on crate and potty training as the history of the dog is mostly unknown. If the foster/dog fit is too strained, rescues will do their best to find another foster home. Fosters must realize rescue organizations run solely on volunteers, so nothing happens overnight.

Many families help the system by joining the ranks of relief fosters—helping long-term fosters who need to go out of town for a couple days or week. Rescues are always happy to have fosters who can relieve other fosters on a case-by-case choice which keeps the dog in a home environment and saves the kenneling of $15 to $40 per night.

Rescue Comes with a Personal Price

How does a young rescuer fit in the demands of rescue while earning a living? Not very well. Rescuers like Alex pay a heavy price to rehome these dogs. She’s lost personal relationships, forgone work hours, and self-funded expenses (gasoline and wear and tear on her personal vehicle) from her own meager vet technician salary of $25,000 per year.

IMG_6224Although Alex has gained an incredible support network of friends who have a common passion and knows the pure joy of connecting the family and rescue, the price has been expensive in both money and untold hours in the field.

How many hours does she dedicate to these dogs? On average Alex spends 4 hours a day on social media—tagging shelter dogs, responding to texts and calls of dogs in need, arranging transport, answering foster questions, etc. Because of her reputation in the rescue world, she routinely gets calls from locals for help with a dog they found abandoned or a neighbor who wants to get rid of a dog.

Emmy

Every 3 weeks she donates one of her days off for a 15-hour transport run. After cleaning crates and loading the van, she may travel to New Mexico to pick up 20 dogs and drive them up to Denver. There are 1-2 adoption events per month which usually involves 5-6 hours of her time for travel, setup, and tear down. None of this includes her time for taking dogs for vetting, supplies to fosters, and meet-and-greets with potential adopters. Oh, and she cares for upwards of 5 rescues in her own home.

Alex’s Future

Alex has a heart for the working dogs (cattle dog/heeler) and bullies, because people misunderstand these breeds. Many adopters don’t realize the energy level of working dogs who require lots of exercise or a “job”—otherwise, they can get destructive. She favors pit-bull mixes because the press has turned the American Pit Bull Terrier, once referred to as the loyal American family dog, into a villain.

DeliahToday Alex is serves NHCDR, breed specific for heeler mixes, and she tags pitties with From Forgotten to Forever Rescue (FFTF). She has a dream to own property to build kennels as backup to her own foster-home rescue. Her passion is to save death row dogs—those minutes from euthanasia—victims of shelter overcrowding. Alex is truly the champion of the underdog of underdogs.

Roosevel aka Max

A Simple Request

Please be a foster. Why? Because fostering adds so much joy to your life as you see these dogs’ personalities come to life. You can be a change agent who can help a dog go from being traumatized to thriving.

DiamondIf you have a dog or two, the rescue will require that your pets are spayed or neutered. No one wants an oops! If you’ve ever thought of fostering, do it. The upside is how fulfilled you’ll feel in helping an underdog, and the only downside may be some adjustment in a temporary living situation.

You Can Help in Other Impactful Ways

The innocent victims are the dogs, and the heroes are those volunteering in the rescue world. You too can be a hero, and there’s many ways to help:

  • Reach out to a local rescue and offer to be a short-term foster.
  • Offer to be a substitute foster for a long-term foster going on vacation
  • Offer to transport dogs from foster to transport
  • Donate money and/or supplies to a local rescue
  • Help a rescuer with expenses for gas, oil/filter changes, gift cards for services, or money to help defray their own out-of-pocket expenses

Any amount helps. If you’d like to learn more about rescue, send a word of thanks, or gift a woman who cares too much, you can reach Alex at alex.davis11_94@yahoo.com  or 281.881.1826.

Ruby


About the Author: Sandra Dillon who has a heart for ministry and servant leadership and can be found in the mission field coaching on relationships and marriage strengthening, drilling water wells, installing filtration systems, and teaching hygiene. You can contact Sandra at shinecrossings@gmail.com

Your Scars: Tattoos of Victory or Reminders of Your Pain?

thought-catalog-o38AW4xnwEo-unsplashI had a conversation with a woman who was a victim of childhood abuse by a lesbian aunt. The abuse started when she was 10 years old and under the ruse of having to treat a medical condition, because she had started puberty so young. Only a handful of people knew of her abuse in her adult years, yet she struggled with many unresolved feelings and unanswered questions because of her reluctance to share her story. Many will read this and self-identify. I know, because you share your stories with me.

Sexual predators are commonly family members or close friends of the family, who pray on their victims’ innocence and ignorance. In this woman’s case, what started out as supposed “medical treatment”, escalated into full on sexual encounters until her mid-teens. Now, she feels conflicted in her feelings of guilt and what she had contributed to the abuse, especially once she started to figure out what was happening wasn’t “right”. Was she at fault for not stopping it? Should she have told someone to make it stop? Who else would be abused by this aunt?

Of course, my response: “You are absolutely not responsible in any way, shape or form for what happened to you. You were an innocent child who was robbed of her innocence. Your aunt opened up the Pandora’s box of your sexuality. She stole from you what was not hers to take.” Her story reminded me of all the other childhood sex abuse stories shared with me over the years, including girls molested by piano teachers and raped by stepfathers. If you can think it, it’s happened to some innocent child. Satan is the ruler of the earthly world, and unfortunately, bad things happen to bad and good people.

“Without suffering, there is no growth, and without growth, there is no life.”

Sandra Dillon

No one is immune. No one gets a pain-free life. Pain just comes in different packages. Sometimes our pain comes from choices we make, and at times, we are the victim of fallout from other people’s sinful decisions. If pain and suffering are inevitable, the bigger question is: what are you going to do with your pain? Are you going to make lemonade from lemons or are you going to wallow in the misery? Will you take what you have experienced and make it a platform or a service ministry?

I compare pain and suffering to a wound. Imagine you have a big slash on your forearm which has healed over with a thick scar. When you look down at your scar every day, what are you going to say to yourself? Will you relive that event and count your blessings that you survived that injury and are living another day, or are you going to look at that scar and constantly relive the pain of the past? Your power comes from your choices.

My prayer for people who are suffering is that they will choose a healthy perspective—a survival perspective that moves into a thriving life. Those bad experiences: they’re your victory tattoos. You’re no longer a victim but a victor.


About the Author: Sandra Dillon is a professional coach with an extensive background in premarital/marriage, finances, ministry, and leadership. She coaches individuals and couples to be the best versions of themselves. You can contact Sandra at shinecrossings@gmail.com

Christmas: Could You Ditch the Gift Giving?

Christmas presentsFor those who are extreme planners, this message may be too late—at least for this holiday season! If you’re an OCD organizer like me, you may already have your Christmas shopping done by Halloween—reveling in that wonderful feeling that even those hard to find gifts for family and friends are safely tucked away in a closet.

For those who haven’t yet contemplated Christmas shopping, I’d like to propose a serious question. How would it make you feel if you didn’t exchange presents and only celebrated the holidays with decorations, parties, food, and fellowship? I would guess that many, except those who may have gifts as a primary love language, would respond, “Could we? Should we? Can we really? Oh my, that sounds wonderful.”

You can chose not to indulge in gift giving and instead focus more on the beauty of the season by spending time with people. What would you do with extra hours you’d get back from not walking the malls or online shopping in front of the computer? Besides time saved, you’d likely be saving yourself from more debt. Statistically, 75% of Americans don’t have the ability to pull together $1,000 in cash in case of an emergency, although some might be able to squeeze a little more on the credit card.

This Christmas, I encourage you consider whether you want to put consumerism aside and bless your family and friends with more of your presence. If you do have a bit of extra cash, consider giving some to charity—to those who don’t have as much as you. It will free you, I know, because my husband and I did it two years ago. Our driver wasn’t lack of money but eliminating the feelings of stress in finding meaningful gifts.  We just wanted everyone to come over, spend time together, share a meal, and maybe go out and do something fun. We put family on notice that we weren’t giving or receiving gifts. When we made the announcement, I think there was a mix of surprise and relief—one less gift to buy for the Dillons.

Christmas is about the love of Jesus and celebrating what His birth meant for our salvation. We feel blessed and grateful. How did a celebration of Jesus turn into gift giving to everyone else? We’ll never know because the tradition dates back so far no one remembers. I’m breaking with tradition and truly celebrating what Christmas was intended to celebrate. I’m celebrating Jesus, and I know Jesus doesn’t want gifts. He just wants us to spend time with him.


About the Author: Sandra Dillon is a professional coach with an extensive background in leadership, premarital/marriage, and financial coaching. She coaches individuals and couples as well as designs and facilitates workshops. She has a passion to help people be the best versions of themselves.  You can learn more about Sandra by visiting her website at www.shinecrossingsministry.com.

My Tribute to Fatherhood

It’s easy for me to write a tribute to motherhood, because I feel blessed to be both a daughter and mother and have strong relationships with both. A tribute to fatherhood feels more mental rather than heartfelt, perhaps because of my hot/cold relationships with men, who have been fathers and husbands in my life. I believe fatherhood gets second billing over mothers, because most mothers pick up the slack when fathers falter, but the reverse is not as common. This phenomenon has been true in my life.

My parents divorced when I was six, and my father chose to disappear. My mother became both mom and dad. When I was 12, my mother entered into a long-term relationship with a man whom I lovingly called my step-dad.

I married at 30, and we had a daughter together. Our relationship was tumultuous from the beginning, and I filed for divorce after 15 years. After dating for 5 years, I married my current husband who is truly a “mini-me”.  You could say the second time around with fathers and husbands was much sweeter and ended well after a rough start.

My step-dad passed several years ago, and my now husband found my biological father. Deciding I wanted to meet him, a few short months ago, we flew to Boston to have dinner with him and his girlfriend of 35 years. My bio father was not interested in discussing the past, asking for forgiveness, or making amends. He only wanted to focus on the future—a future where I would personally have to take the initiative.

My first husband suffered from personal demons that made it difficult for him to trust women and that’s just the start on the underlying issues that plagued my marriage. I believe that we all have to live with the suffering of our poor choices, but it pains me to know that my choice in a husband was also a decision on the father that I was going to give my daughter. Needless to say, my daughter doesn’t have a fairytale relationship with her father but that would be her story to tell.

My story continues to be written with my second husband who is the partner God brought into my life. Not only does he represent what it means to be a husband but also a father. He loves me and my daughter. Although my daughter was 17 when she met him, he is like the step-dad to her that I had. She indeed sees how a man is to treat a woman.

I feel blessed to have my Darin as both a husband and a father to my daughter. Fathers serve an important role in their children’s lives at any age. They show daughters how a man should treat them, show boys what it means to be a man, and models to both what a healthy and loving marriage looks like. Here’s to all the great fathers who take their roles seriously, and a special tribute to those men who voluntarily step into the role of father when they see a gap that needs to be filled. Happy Father’s Day to the men who sacrifice every day of the year for their families. Your gift of fatherhood is immeasurable.


About the Author: Sandra Dillon is a professional coach with an extensive background in leadership and premarital/marriage coaching.  She coaches individuals and couples as well as designs and facilitates workshops.  She has a passion to help people be the best versions of themselves.  You can learn more about Sandra by visiting her website at www.shinecrossingsministry.com.

My Tribute to Motherhood

I’m blessed to be both a daughter and mother, and hopefully, when the time is right a grandmother. Sandwiched between two great women—my mom and daughter—I love these two awesome women who are alike as they are different from me. We are connected by our similarities and at the same time wonderfully unique. Regardless whether we agree or would make the same life choices, I can honestly say that they are both my heroes.

My mom was my first hero, although I didn’t identified her as such until I was myself a young adult. The significance of her sacrifices made during my first 18 years of life where magnified when you consider that my father left our family when I was 6 years old. In 1967, my mom was left to take full responsibility for my brother and me. Although it was only 50 years ago, divorce had a stigma and women were still considered property in some states.

Without practical skills, a college education, and receiving only sporadic child support, my mother did everything possible to keep us safe and off welfare. When most single working moms were Democrats, my mother was a Republican, who believed everyone had a personal responsibility to provide for themselves and their family. She instilled the values which led my brother to become a reputable home builder and myself to be an engineer, business woman, and now leadership coach.

Every day I am in awe of the world my mom had to navigate with two small children. I appreciate every opportunity she gave me and how she supported me even during difficult times. She always believed in me when at times I wasn’t sure of myself. My mom is an incredibly strong woman who gets tough when the tough gets going. She’s a survivor, hard worker, creator, and problem-solver. I may not choose the bold colors and bling that my mother fashionably wears around town, and she may not have my technically sharp mind, but we share a zest for life, an incredibly strong work ethic, and a never give up attitude.

These enduring qualities have been passed down to my daughter, my second hero, although she has created a life that is different and very much her own. She has a love for animals that sometimes rivals her love of people. When I asked her at 6 years old what she wanted to be when she grew up, she unwaveringly replied she wanted to be a seal trainer and have 10 dogs, 10 cats, and 10 kids. At 23 years old, she is a certified vet tech, board member of a dog rescue, cross country pet transporter, has 1 cat and 4 dogs, and fosters at least 3 additional dogs. Kids? I’m not convinced I’ll be a grandmother, but I’m certain she’ll have at least 10 acres of land in Colorado for those 10 dogs, 10 cats, and 10 fosters. And if not, she’ll have you believing you need to with her creative and compelling storytelling.

Her heart is huge for those who can’t do for themselves and has little patience for those who choose otherwise. She’s one of the most self-sacrificing women I know and will go without if it means saving one more homeless pet. Her work ethnic inspires me, and it doesn’t go unnoticed by those she works and serves alongside. I’m proud to call her my daughter.

My mother, daughter, and I are connected by blood, a shared bond of ethics, and the belief that anything worth doing requires our best efforts. We are spread across the country in Pennsylvania, Colorado, and Texas, and it seems like forever since we shared time together. Although this Mother’s Day we will celebrate our relationship quietly in our own state, we will have our tribute to motherhood later this year when we spend a week together with no agenda other than to celebrate each other.


About the Author: Sandra Dillon is a professional coach with an extensive background in leadership and premarital/marriage coaching.  She coaches individuals and couples as well as designs and facilitates workshops.  She has a passion to help people be the best versions of themselves.  You can learn more about Sandra by visiting her website at www.shinecrossingsministry.com.

A Tale of Three Trees: It’s Not What You Think!

Have you ever bawled like a baby when reading a children’s fable?  I have!  Several years ago, as I was browsing the small bookstore at The Homestead Heritage in Waco, Texas, I picked up The Tale of Three Trees: A Traditional Folktale.  I guarantee you that this was no ordinary children’s story.   The tale tells of the dreams of three trees in the forest, who all long to grow into something that the world would value.  One wanted to be the most beautiful, the other the strongest, and the third the tallest.   After many years the woodcutters came to harvest these trees on the mountain.

Christ with CrossWhat these three trees wished themselves to be instead became how they were used to serve.   The purpose of each tree brought me to tears.  Can you guess how the tallest tree was used?  The third tree wanted to be the tallest tree in the land, and by some accounts this tree got what it wished for as it stood tall at Calvary with Jesus nailed to it.   This tree had one idea of its future, but God had another purpose and plan.  Despite the ugliness it endured as it co-labored with Jesus, the third tree had the opportunity to help bring Salvation to the world.  Now that’s worth both living and dying for!

We all have dreams, and the question we should ask ourselves is whether we are dreaming the right dream.  Are you pursuing your own dream or seeking to know God’s dream for your life?  Sometimes God’s dream for your life will take you through ugliness, harshness, and cruelty such as what Jesus experienced on the cross?  Much of the time you will never be made aware of the impact you are making and must maintain faith that God is using each faithful word and action for Kingdom impact.  On those seemingly rare occasions when I do get feedback, I find those are the fuel that keep me seeking the Lord’s will for my life.

Why Easter Is My Favorite Holiday!

“What’s your favorite holiday?”  Most of my friends and family respond with Christmas.  Why? Answers include the recollection of fond childhood memories opening presents around the tree, the beautiful decorations, lots of great food, or the ability to spend time with a larger circle of family.  Many claim Thanksgiving as their favorite holiday, because they can spend time with family without the stress of Christmas shopping and exhaustion that comes from too many activities crammed into one month—December. The common theme between Christmas and Thanksgiving is these holidays are spent in relationships.  What is my favorite holiday?  It would have to be Easter? I realize that most people think of chocolate bunnies, egg hunts, white baskets, and fluffy bunnies, but Easter represents the ultimate gift given to me by my best friend!  Easter celebrates my personal relationship with Jesus!

jeremiah 29-11-2When I think of the love that I have my daughter, Alex, I am awed that God would sacrifice His own son for me, so I could live.  Would I be able to sacrifice my dear Alex, so others can live?  Could I have done what Abraham planned to do in Genesis 22—sacrifice his beloved son, Isaac?  I like to think I would obey God, but I do not think anyone can be confident in his answer until placed directly in that situation!  How grateful I am not to have to choose.  How grateful I am that Jesus died on the cross to take my sins, so I can be with the Father long after my body turns to ashes!  With my gift of eternal life, I cannot choose any other path other than to follow Him and use my life to glory God.  Am I perfect?  No, I sin daily, although I can honestly say I try to live my life honorably, sharing of my time and treasures.

I pray that if you know Jesus, you will continue to listen for God’s calling for your life and act in faith.  I pray that everyone has a life vision and a life Scripture that speaks and resonates in their hearts.  My Scripture has always been Jeremiah 29:11.  “For I know the plans I have for you,” declares the Lord, “plans to prosper you and not to harm you, plans to give you hope and a future.”  I know God has big plans for me to accomplish during the years I live on earth.  Every day I look forward to a new adventure as I am humbled by God’s gift!

For those who have not welcomed Jesus into their hearts, please reach out!  I would love to further the conversation about Jesus and what He can do for you!  You can reach me at shinecrossings@gmail.com.

Happy Easter!

Will College Debt Affect Who You Decide to Date or Marry?

Sandra Dillon: December 15, 2016

The flip side of that question is “Does your college debt make you less attractive to date or marry?” Many want to believe the most important ingredient to a happy and fulfilled marriage is love, because true love can overcome the normal struggles endured by marriages over their lifetimes.  These same people would also like to believe that college debt should be immaterial to the decision with whom you spend the rest of your life—after all, the right person is the right person, no matter what the circumstances. I would propose that love is a choice—a choice to fall in love with someone with whom you can create a successful life. If this holds true, I would wager that most successful people are not necessarily looking for partners with money but for spouses who make sound financial decisions. Why? Because fiscal literacy and responsible financial stewardship are extremely helpful in developing a solid marriage foundation from which to move forward in individual life calling and marriage purpose.

student-debt-ball-and-chain-2Overwhelming college debt can sap energy and joy, as well as interfere with life calling, because significant resources are funneled to pay off those loans—making it feel like one is dragging around a ball and chain for ten years. Not even personal bankruptcy can dissolve this financial burden—a lifetime sentence until it is repaid. I am neither advocating for or against pursuing a college degree, and these words come from a chemical engineer with an MBA, who will also receive her second masters in life coaching in 2017. I believe a college education can open more doors for career and job choices as well as develop new worldviews, critical thinking, discipline, commitment, friendships, and a sense of community. However, I am recommending that before taking on any debt that everyone understand what they are called to do, how post-secondary education will support that purpose, and then using sound judgment to determine the best path forward. Approaches can include community college, part-time vs. full-time, scholarships, employer incentives, military benefits, etc.  You may ask how did I pay for my education? I focused on good grades, worked when not studying, saved, sacrificed, applied for scholarships and loans, and was rewarded with grants and reasonable loans to pair with my savings the first time. The second time I worked full-time while going for my graduate degree part-time, taking advantage of my employer’s partial tuition reimbursement benefit in conjunction with my savings. The third time around I worked and saved for my full tuition, hence my return to college at 53 years old.

Mentoring and coaching high schoolers and young adults, I often see them struggle with evaluating and deciding how to afford a college education. Surprisingly, many of these students are encouraged by their parents to apply and attend universities above their collective financial means. The parents and students alike are swept up in the hype that a college education is the gateway to a successful life—the more prestigious the school, the better, and whatever debt is required to achieve that dream is worth it. With this momentum and the euphoria of acceptance letters, it becomes difficult to bring good judgment and reasonable thought in deciding whether to pursue a degree, what degree, its timing, and how to pay for it.

The sad reality—burdensome college debt has stalled many young degreed graduates who cannot turn back time. They are drowning in debt that cannot be expunged.  Consumer Reports (2016) issued a report on the impact on student debt, and the survey statistics are sobering:

  • 45% of respondents said their student loan debt was not worth the cost of college
  • 47% said if they had the chance to do it all over again they would accept less financial aid and go to a less expensive school
  • 50% are having problems making student loan payments

With half of recent graduates wishing for a do-over or struggling with debt repayment, these statistics should be a wake-up call that the current approach in securing a diploma is broken. What are the impacts to graduates overburdened with college debt?  Consumer Reports (2016) found:

  • 44% cut back on daily living expenses
  • 37% delayed saving for retirement or other financial goals
  • 28% delayed buying a house
  • 12% delayed marriage
  • 14% changed careers because of student debt

In many cases, these necessary life adjustments resulted from not understanding the impact of long-debt. Although not specifically addressed in the survey, many young graduates reluctantly return home after college to live with their parents, resulting in a “failure to launch” not by personal choice. Although subsidized room and board allow these graduates to pay off college debt, they struggle with financial independence and attracting financially independent mates. Consumer Reports (2016) revealed that 44% of respondents wanted to know how much student debt a dating partner had before beginning a serious relationship with 36% and 20% of respondents saying “no” or “unsure”, respectively.

With these statistics as a wake-up call, the next question most students should ask is “How much college debt can I afford?” The general rule of thumb is a graduate can afford college debt equivalent to the first year of salary. For example, if you are pursuing a teaching degree and expect to be paid $50,000 per year as a teacher, you can commit to $50,000 of student debt. A post-graduation balanced budget should be drafted to confirm you can re-pay this debt while ensuring you can put a roof over your head, food in your mouth, clothing on your back, and the means of getting to your job to earn that income.

When I student-loan-payback-schedule-10-yearscoach students and parents on personal finances, this simple matrix translates the amount of student debt into a monthly payment for 10 years at various interest levels. Some students are financing teaching degrees at prestigious 4-year universities, taking on over $100,000 of debt for a job which will only pay $50,000 per year. When asked “How will you put a roof over your head if you have to pay $1,000 a month towards school loans?” their facial expressions reflect confusion, surprise, and worry. What I find more troublesome are students who are financing college under an “undecided” major. These students usually take upwards of 5 to 7 years to graduate—incurring more debt than if they would have paused after high school, worked, figured out what degree fit their life plan, andstudent-debt then pursued their education over 4 years. Powell (2016) reported that the average college graduate debt is $37,000 in 2016. Many of the entry-level, non-science based jobs for these graduates do not pay that amount per year. Many graduates have no idea when their loans will be paid off.

If you think colleges are educating you on prudent decision-making and the harsh realities of debt repayment, they are not. Universities are businesses, trying to make enough money to keep their doors open. If they sign you up, the colleges will receive income through your financial aid and tuition payments. They are not incentivized to explain what debt you can and cannot afford. By default, they are operating on the concept of Caveat Emptor, translated Let the Buyer Beware!

Pursuing a college degree can be one of life’s most significant and costly decisions, because the debt you take on can have a lasting impact on your quality of life. The debt you carry can also impact your ability to attract a life partner. Many students never stop to consider all the long-term ramifications of debt choices. I encourage you to pause, think through this decision, reach out for help, and make wise choices!  Your future depends on it!

References

Consumer Reports National Research Center (2016). College Financing Survey: 2016 Nationally Representative Online Survey. Retrieved from: http://www.consumerreports.org/student-loan-debt-crisis/degrees-of-debt-and-regret/

Powell, F. (2016). Ten Student Loan Facts College Grads Need to Know. U.S. News. Retrieved from http://www.usnews.com/education/best-colleges/paying-for-college/slideshows/10-student-loan-facts-college-grads-need-to-know


144-2 - CopyAbout the Author: Sandra Dillon is a business, life, and marital coach with an extensive background in business development and leadership.  She coaches others in how to develop and execute life plans, develop successful businesses, and build better relationships by identifying and living their personal values, enhancing skills and competencies, and being held accountable for executing their defined goals.