Showing posts with label riches. Show all posts
Showing posts with label riches. Show all posts

Wednesday, July 25, 2012

Greed: When Enough Is Not Enough


BY RICHARD TICE
Assistant Editor
These days on television, greed seems to be the fashion: rich oilmen ruin their families for money, drug runners count their toll in ruined lives as a profit, young executives flaunt their successes with expensive cars and fancy condominiums.

Unfortunately, the media glitz suggests that greed is a problem only for certain kinds of people or that it will infect us only a few times in our lifetime. In reality, greed is a fairly universal sickness. Poverty is certainly not an antidote for it, but then, neither is wealth. You can find greed wherever you live—it knows no class, race, nation, or language.

The Symptoms of Greed
Greed shows up in many ways. Paul says, “The love of money is the root of all evil.” (1 Tim. 6:10; italics added.) The symptoms of greed are legion. For instance, Colossians 3:5 and 2 Nephi 9:30 tell us that covetousness is idolatry. [Col. 3:5, 2 Ne. 9:30] When we set our hearts upon anything other than God, we in effect worship “the image of [our] own god, whose image is in the likeness of the world.” (D&C 1:16.) Another problem that often attends avarice is the feeling that we never have enough. (See Isa. 56:11; D&C 56:17.) In many ways, greed is the antithesis of love: it does not suffer long, it is not kind, it envies, it puffs itself up, its behavior is unseemly, it seeks its own, it is easily provoked, and it thinks evil. Greed also fosters thievery, dishonesty, lust, and pride. (See 1 Cor. 13:4–5; Ex. 20:17; Micah 2:2; Micah 6:10–11; 2 Ne. 28:15.)

I first began to understand greed through one of the most unusual jobs I’ve ever had. My father and two of his army buddies started a government contracting company in South Vietnam after he retired from the service. It was one of several businesses that handled jobs the armed forces subcontracted out. Dad’s company bid on U.S. government service contracts and security jobs. In 1972, Dad suggested that I work with them that summer in helping write bids and contracts. The salary, he pointed out, would cover the expenses of my upcoming mission. Despite the danger at that time in the Far East, I decided to accept the job.

The lure and availability of money in a low-expense, unstable, war-torn nation proved fertile ground for the seeds of greed. Though the official exchange rate was 118 piasters to a dollar, the black-market rate was 450 piasters to a dollar. Many dabbled in illegal investments. At least one American I knew built a fortune that way before he was caught. Buying piasters on the black market and selling them at the official rate further weakened an already-weak money system.

During the three months I was in Saigon and Hong Kong, I spent a total of about four hundred dollars, yet I lived far better than I had in the United States. Most American civilians I knew employed several servants and lived in villas left from the French occupation. I remember several conversations I had with acquaintances about whether we were preying on a weak economy or helping to strengthen it.

Saigon featured an unusual price system—the Vietnamese paid one price, the Americans another. For example, a haircut that would cost me 1,200 piasters would cost the Vietnamese only 20 or 30. Unfortunately, even some of the more well-to-do Vietnamese were drawn by U.S. money to act dishonestly. Policemen, for instance, would stop Americans and fine them on trumped-up charges—they had to be paid before the Americans could go on their way.

That summer, the armed forces put up 690,000 tons of scrap metal for sale. Buyers would be responsible for transporting the metal outside of Vietnam, where markets paid about twelve dollars or more per ton. My father’s company bought approximately 40,000 tons of scrap, bidding seven dollars a ton, which was high bid. Dad planned to find a buyer outside of Vietnam who would advance part of the payment, enabling his company to pay the $280,000 to the U.S. government before the thirty-day deadline was up. As middleman, my father would arrange to cut the scrap into movable pieces, transport it to the dock, load it onto a boat he had scheduled, and ship it to the prospective buyers. The company could make between two and three dollars a ton.

One day, a man representing some Hong Kong investors offered to buy the scrap, promising to pay half now and half on delivery. But he kept stalling, and the deadline for payment kept getting nearer. Dad finally discovered that the man hoped to make Dad’s company forfeit so that he could buy the metal for less when it again went up for bidding. He hid his plans from the people he represented in order to pocket the difference. Fortunately, Dad got an extension to pay for the scrap, and the man was fired. However, the company had to start paying nearly one thousand dollars a day for storage.

As it turned out, there were plenty of bids for the nearly seven hundred thousand tons of scrap, but no one was able to get the metal outside of Vietnam. Transportation and labor costs skyrocketed. Each union—truck drivers, stevedores, and other workers—as well as individuals asked such high wages that moving the scrap would cause a loss. Many even sabotaged others’ efforts by refusing to work. Dad ended up paying more than twenty thousand dollars in storage costs. When the United States pulled out of the country, all the scrap metal was still there.

In those three months, I learned some sobering facts about greed. No one is immune to it, and everyone must guard against it. It shows itself in a multitude of ways. At its worst, it results in cutthroat business practices, dishonesty, cheating, lying, disloyalty, theft, inequality, and murder. At its subtlest, it alienates friends and distorts one’s values.

Another reason greed is so insidious is that it can be nearly invisible. Our contemporary life-styles not only encourage but also mask it.

A few months after my experience in Vietnam, I left for a mission in Japan. Then, in 1976, I returned to Japan, with my wife and daughter, to teach English. We rented a sparsely furnished Japanese-style house with a tiny backyard. The largest room was both living room and bedroom. We had no oven, clothes dryer, or central heater. (Most Japanese still don’t use them.) For transportation, we used bicycles and buses. Our life-style was not much different from that of most Japanese.

We enjoyed our three-year stay in Japan immensely. I missed having an oven, but I loved the way we could roll up our beds and stuff them into a closet. Cleaning such a small house (about four hundred square feet) was a snap. I learned to like sundried clothes better than clothes tumbled in a dryer. I fell in love with bicycles, and using them to go to church or to go shopping proved to be easier than I had thought. The simplicity of home life was a welcome change from the hectic pace of teaching twelve language classes and fulfilling several callings in a small branch of the Church. We could save fairly easily, too. We weren’t tempted to buy things on credit—the practice was minimal in Japan—and our expenses were low. (Our rent was about $125 a month.)

Although learning to do without some conveniences I had been used to was not easy, coming back to the States was even more difficult. I’m still amazed at how much Western society encourages and, in some cases, forces spending. Furniture, appliances, and cars are just some of the things many families expect to own. American manufacturers, for example, offer major appliances in sizes ranging from large to largest. In Japan, we owned the second-largest refrigerator model available, and it was still smaller than the smallest standard model I could find in U.S. stores. In the United States and Canada, houses are big. Those who buy a house expect to spend between $45,000 and $200,000, depending on where they live. There aren’t many less-expensive alternatives, and most of us don’t anticipate any.

Of course, living comfortably isn’t a sin. But some societies have developed such expensive standards of living that greed surreptitiously begins its work. Home owners buy larger and more expensive beds, furniture, fixtures, drapes, television sets, refrigerators, ovens, washers, dryers—and then add garages, patios, and dishwashers. Typically, people take out extensive loans and use up much of their savings and much of their income to buy these things.

Such a life-style sets traps of greed. For example, doing without can easily create a feeling of dissatisfaction, especially when we’re doing without things that we consider necessary and not luxurious. On the other hand, buying them burdens our income, and we may find ourselves chafing under financial bondage. Without realizing it, we start to long for more money, complain about how little we have or how hard things are financially, and feel that we do not yet have the “essentials.”

In thinking of the expenses of furnishing a home and putting in a yard, I often forget that I already have four to five times as many material things as I had in Japan. And compared with what the Vietnamese had when I lived in Vietnam, I’m fabulously wealthy. We simply may not recognize what we have because we’re so busy thinking about what we don’t have.

On top of this are the vast number of material attractions that go with life in well-to-do countries. Everything has better, more-expensive brands or models. There are also articles not considered “essentials” that would be fun to have: computers, videocassette recorders, second or third cars, motorbikes, boats, motor homes, air conditioners, satellite dishes, and so on. All are advertised in endless array.

Are any of these extras really bad? Many people have a number of them, and we ourselves may have bought some and discovered how much fun they are. But if we aren’t careful, can we begin to covet these things and push our faith in Jesus Christ to the background? Does our desire for pleasure and physical gratification ever undercut our efforts to live the Lord’s commandments?

It isn’t the possession of these material things that injures us as much as it is our attitudes toward them. Those of us who have sufficient for our needs must constantly guard against false expectations and warped attitudes. Dissatisfaction with what we have and eager anticipation of what we might buy next are subtle manifestations of greed. They can lead to anger about tight budgets and apparently inadequate incomes. Our attitudes and expectations can also be colored by ignorance. We may think we don’t have much or that we have about what other people have. But our lack of knowledge about other people and economies may mislead us into thinking that our standard of living really is “standard.” Last year, for instance, a visitor from Shanghai stayed with my family for a few days. He was about to return to China and wanted to take his wife some inexpensive gifts not readily available there. We took him to a department store, where he pointed out all sorts of small items that were new to him. He ended up choosing mirror sunglasses and a can opener with revolving handle.

Belief in the “Gospel of Wealth”
Sometimes greed infects those who mistakenly believe that God rewards righteous living with material wealth. Certainly, one of the oft-repeated promises in the Book of Mormon is this:

“If ye will keep my commandments ye shall prosper in the land.” (Alma 37:13.)

That parallels the more general promise: “Keep the charge of the Lord thy God, to walk in his ways, to keep his statutes, and his commandments, … that thou mayest prosper in all that thou doest.” (1 Kgs. 2:3.)

There is a difference between wealth and prosperity, however. The Lord has promised that if we serve him, we will prosper and have sufficient for our needs. But wealth is another matter. With so many millions in the world who don’t have enough for their daily needs, why should we expect the Lord to make us wealthy?

And yet, many of us continue to expect that our material conditions will automatically improve if we remain faithful. Some tithe payers even think of tithing in terms of an investment—expecting their tithes, like good stock investments, to pay dividends in greater material wealth. After all, they feel, the Lord has promised that he will open the windows of heaven to those who tithe. (See Mal. 3:8–12.) That promise, however, may have spiritual as well as temporal overtones. The only concrete promise in Malachi is that the Lord will rebuke the devourer; it makes no promise of material gain.

Elsewhere, the Lord talks about the nature of the riches that he may give us: “If ye seek the riches which it is the will of the Father to give unto you, ye shall be the richest of all people, for ye shall have the riches of eternity.” Then he adds a warning about earthly wealth: “It must needs be that the riches of the earth are mine to give; but beware of pride, lest ye become as the Nephites of old.” (D&C 38:39.)

There is no doubt that the Lord does bless us—but in his way. Many who diligently try to keep the Lord’s commandments do not flourish financially. Many, in fact, may find themselves at times unable to make ends meet. Yet they can point to spiritual riches the Lord has given them that they would never trade for a new car or a more luxurious home.

They are experiencing the blessings that accompany this admonition: “Seek not for riches but for wisdom; and, behold, the mysteries of God shall be unfolded unto you, and then shall you be made rich. Behold, he that hath eternal life is rich.” (D&C 11:7.)

Sadly though, some fall victim to greed when they think that the Lord and his church are failing them economically. Paul describes the result in his love-of-money passage: “They have erred from the faith, and pierced themselves through with many sorrows.” (1 Tim. 6:10.)

A modern-day account illustrates what some have called the “gospel of prosperity.” One couple, when they joined the Church, were enthusiastic about the gospel and Church service. But after two and a half years, they left the Church. They could never shake the idea that they ought to receive something for everything they did. The spirituality and joy they initially felt were soured by their expectations of material rewards.

We ought to have faith that the Lord will bless us for our efforts, but we must not hand him a “shopping list” of the blessings we expect to receive. Our greed begins when we think more about what God owes us than what we owe him. The Lord has promised the faithful the “riches of eternity.” We should be content with that promise and serve for the joy of serving.

Some Cures for Greed
Fortunately, the Lord has not left us helpless in a world that promotes the philosophy that we can have anything we want for money. Not only has he described the symptoms of greed clearly in the scriptures (see Prov. 15:27; Luke 12:15; Mosiah 4:21–25; D&C 104:4), he has also given us instructions on how to prevent greed or overcome it. Just as greed can undermine our allegiance to gospel principles, our allegiance to gospel principles can fortify us against greed.

One cure mentioned more than a hundred times in the standard works is giving to the poor. The ideal—no poor among us—was, in fact, achieved at least three times previous to our dispensation by people who unselfishly shared what they had. (See Acts 4:32–34; 4 Ne. 1:3; Moses 7:18.) One period in the Church during Alma’s time exemplifies how wonderfully greed can be stayed by giving:

“In their prosperous circumstances, they did not send away any who were naked, or that were hungry, or that were athirst, or that were sick, or that had not been nourished; and they did not set their hearts upon riches; therefore they were liberal to all, both old and young, both bond and free, both male and female, whether out of the church or in the church, having no respect to persons as to those who stood in need.” (Alma 1:30.)

Here, prosperity worked for the people instead of against them because they gave liberally and did not set their hearts on their possessions. If there is a “gospel of prosperity,” perhaps this is it.

Gratitude is also a wonderful cure for greed. As awareness of the gifts and love of God deepen within us, we begin to put our lives in eternal perspective. If we understand the Atonement of our Lord Jesus Christ, how can we possibly expect our good works to “earn” us more than what God has already given us? King Benjamin taught:

“If you should render all the thanks and praise which your whole soul has power to possess, to that God who has created you, and has kept and preserved you, and has caused that ye should rejoice, and has granted that ye should live in peace one with another—

“If ye should serve him who has created you from the beginning, and is preserving you from day to day, by lending you breath, that ye may live and move and do according to your own will, and even supporting you from one moment to another—I say, if ye should serve him with all your whole souls yet ye would be unprofitable servants.” (Mosiah 2:20–21.)

Perhaps the best preventive medicine is love of God and others—for charity does not envy, is not puffed up, and does not seek her own. The love of money may be the root of all evil, but “charity preventeth a multitude of sins.” (JST, 1 Pet. 4:8.) A person with the pure love of Christ wants to help, bless, and care for others rather than acquire material things to feed a self-centered attitude. Greed is an attitude we can change. We should be thankful that the Lord has given us the means by which we can overcome it.

Friday, April 20, 2012

All That Glitters Isn't Celestial

The following is a great talk on riches, greed, pride, and seeking power. It offers some tips on overcoming these challenges and doing good with the wealth we do receive. It offers some suggestions on how to keep focused on what is important.


All That Glitters Isn’t Celestial
BY QUINN G. MCKAY

John, in his early twenties, was considering his goals in life.

“First of all,” he mused, “I plan to be a financial success and make a fortune by the time I am thirty-two years old. Then I will be economically free to serve the Lord on a mission, as a bishop, or in whatever capacity he may want me.”

Surely these are lofty goals. John is not only intent on achieving financial independence, but apparently he wants to use that independence to devote himself to the Lord’s service. Lofty goals indeed. But is John planning to achieve his goals the way the Savior would have him achieve them?

To his disciples, Jesus taught: “Lay not up for yourselves treasures upon the earth, where moth and rust doth corrupt. …

“But lay up for yourselves treasures in heaven, where neither moth nor rust doth corrupt, and where thieves do not break through nor steal:

“For where your treasure is, there will your heart be also. …

“No man can serve two masters; for either he will hate the one, and love the other; or else he will hold to the one, and despise the other. Ye cannot serve God and mammon.” (Matt. 6:19–24.)

James put it another way. “Pure religion” he said, is to keep oneself “unspotted from the world.” (James 1:27.)

Is the acquisition of wealth therefore evil? Not necessarily. As Jacob pointed out, we may seek for riches after we “have obtained a hope in Christ” if we seek them “for the intent to do good—to clothe the naked, and to feed the hungry, and to liberate the captive, and administer relief to the sick and afflicted.” (Jacob 2:18–19.)

Seeking the kingdom of God, then, must always be the major focus of any activity we undertake if we are to live righteously and enjoy the “riches of eternity.” (See D&C 68:31.)

One of the highest rungs on the ladder to living righteously is “loving our neighbor as ourself.” That is, we must be as concerned about others’ well-being as our own. By contrast, the worldly primarily seek riches, power, position, and recognition. Their motivation for seeking wealth usually lies in the desire to enjoy the good life—fast cars, big houses, expensive clothes, and luxurious travel. Their charitable contributions are made only after these primary goals are achieved; and even their charity is often clouded by ulterior motives—the need to save taxes or gain further power and prestige.

Worldly success—almost always measured in terms of financial success—is sometimes justified by such statements as: “But look how much good his money does. Does it matter if his motivation is wrong?”

The answer, of course, is yes, it does matter. One of the reasons the world’s preoccupation with financial success fails is that it tends to breed selfishness. First and foremost is the desire to get what I want—cars, houses, swimming pools, jewelry, and so on. These efforts to gain “the good life” for “me and mine” may lead one to think, “I worked hard for this; I deserve it. If others were more ambitious, they could have it too” (implying the poor are such because they are unwilling to work). This attitude leaves one reluctant to go without so another with less might have. It dulls the spirit of sacrifice and feeds a spirit of avarice, self-aggrandizement, and pride.

Does Alma’s description of the Church in his day apply to 1987? “The people of the church,” he wrote, “began to wax proud because of their exceeding riches, and their fine silks, … and their gold and silver.” They began “to set their hearts upon riches and the vain things of the world,” so much so that there was “great inequality among the people, some lifting themselves up with their pride, despising others, turning their backs on the needy and the naked.” (Alma 4:6, 8, 12.)

In another scenario, recorded in Helaman 6:39, those heady with power and position “turn their backs upon the poor and the meek.” [Hel. 6:39] It seems to be a fact of human nature that those engaged in pursuing “the good life” also spend much energy, time, and money seeking association with the wealthy, powerful, and famous. They live where there are no poor, socialize in private clubs where there are no poor, travel first class, and otherwise isolate themselves from regular exposure to the needy except for occasional giving on the street or to the seasonal charities. Such benign neglect can often be as devastating as a deliberate reviling of the poor. This is in contrast to Him whom we claim to follow, who deliberately lived with and, for the most part, regularly sought out the poor and needy.

For many, even those who have started out with good intentions, the earnest pursuit of riches too easily gives way to greed. This phenomenon is known as the Frog Principle. It is said that if a frog were dropped into a pan of boiling water it would immediately jump out to save its life. However, if that same frog were placed in a pan of cold water and the heat was gradually turned up, the amphibian would stay put until cooked.

When pursuing wealth for the wrong reasons, it is very easy for the Frog Principle to take over. The process of accumulating a large enough bank account to acquire that “nice car” whets the appetite for a fur coat, then jewelry to go with the fur coat, then a better house to go with the car, then better furniture to go with the house. All of this requires more and more money until a person’s appetite for luxury devolves into a spirit of avarice.

This Frog Principle illustrates just how subtle greed can be. In recent years, Church members have had cause to ask searching questions upon news that some of their acquaintances, even family members, have been made victims of scams and fraud. Far too often some have even been the perpetrators of these criminal activities.

The questions and comments exhibit concern and surprise. “Has he always been a crook?” they ask. “He seemed such a nice, generous, thoughtful man, how could he be so dishonest?” “Didn’t he know he was doing wrong?” “Was it someone else who made him do it?” “We grew up together; I never dreamed he could do such a thing.”

It is the Frog Principle at work. People sometimes encounter and fall victim to it as they pursue their careers. When first starting work with an organization, some receive propositions to do certain things so unethical that they dismiss the idea with a resolute “never.” As time passes, however, they may slip into deeds that are barely questionable.

At first, they may distort the truth only slightly—through overstatement, understatement, or omission of a bit of information. Such actions are easily justified with, “That’s the way things are done here.” From there, it’s only a small step to a minor cover-up to preserve the organization’s (or their own) reputation of being reliable or honest or knowledgeable. “It was only a small mistake I made, but it’s so embarrassing. I don’t believe anyone will know if I handle it right. I can imply that I was led to believe it should be done this way, or I really thought that it was Jerry’s responsibility.”

These cover-ups, small at first, tend to grow and grow just like the heat in a pan until one is eventually caught in blatant dishonesty. The path to sin is negotiated step by step, not in one tremendous leap.

Korihor in the Book of Mormon is a prime example of this principle at work. After being struck dumb for preaching false doctrine and deceiving many in the land of Zarahemla, Korihor confessed he taught the doctrines delivered to him by the devil “because they were pleasing unto the carnal mind; and I taught them, even until I had much success, insomuch that I verily believed that they were true; and for this cause I withstood the truth, even until I have brought this great curse upon me.” (Alma 30:53.)

One of the young men involved in the Nixon Watergate affair in the United States expressed it well after the cover-up had been exposed. “During the heat of battle I really thought I was doing the right thing. Now the smoke has cleared I can’t believe how I could have even thought it was all right, let alone do it.”

We might turn to the words of another who was the victim of the Frog Principle. J. David Dominelli, an American entrepreneur, was well on his way to building a financial empire when it evolved into a scam and collapsed in April 1984. After Dominelli’s financial collapse and arrest he wrote a letter to a friend. One quote gives some practical insight into another example of how creeping deviltry works. “I have caused you so much grief by my lies,” he wrote, “Another lie to cover the first lie … and although this is no excuse, most lies I had always hoped to convert to reality.” (Barrons, 7 May 1984, p. 26.)

The allure of the “good life” and associating with those who are preoccupied with expensive cars, big houses, luxurious travel, vacation homes, and big investments causes people to think and feel differently. As Nephi, the son of Helaman, proclaimed, “How could you have forgotten your God? … Behold, it is to get gain, to be praised of men, yea, and that ye might get gold and silver.” He goes on to state how setting one’s heart upon riches causes people to bear false witness, steal, plunder, and even murder. (See Hel. 7:20–21.)

In summary, centering our thoughts on obtaining riches tends to feed many of the sinful inclinations of man, often edging people away from the Christlike life rather than pulling them toward it. By contrast, centering our thoughts and desires on the Lord and his work inclines one to become more like him in several important ways.

First, selfishness and greed are eliminated because one’s eye is kept focused on keeping the commandments and using what means one acquires to help provide for the needs of those who are without.

Second, the sin of pride is precluded. Because sharing and compassion are the motivating forces in our lives, whatever wealth we obtain serves as a resource for generosity rather than the means for boasting and ostentation.

Third, we remain “other” oriented. We keep Christ first, our neighbors second, and ourselves third—a very spiritually healthy order of priorities.

John, and others like him, should recognize the dangers in seeking wealth ahead of seeking the kingdom of God. In fact, wealth has little to do with one’s ability to serve the Lord. In the Lord’s church, those who manage the store and those who punch the time clock, those who administer the school and those who teach the third grade—all have opportunity to serve if they are faithful and capable.

“Behold, the field is white already to harvest,” the Savior taught; “therefore, whoso desireth to reap, let him thrust in his sickle with his might, and reap while the day lasts, that he may treasure up for his soul everlasting salvation in the kingdom of God. …

“Keep my commandments, and seek to bring forth and establish the cause of Zion;

“Seek not for riches but for wisdom, and behold, the mysteries of God shall be unfolded unto you, and then shall you be made rich. Behold, he that hath eternal life is rich.” (D&C 6:3–7.)

Following the Lord’s counsel to seek his kingdom first is our only means of earning His marvelous approval: “Come, ye blessed of my Father, inherit the kingdom prepared for you from the foundation of the world.” (Matt. 25:34.)

Quinn G. McKay, a financial consultant and university professor, is a high councilor in the Salt Lake University Third Stake.