Needless to say we as a country, and indeed a world, are in a unique time of financial upheaval - times which can bring with them deep concern and fear.

While not wanting to minimize the personal pain and sacrifice that many will suffer as a result of the meltdown, I do wish to sound a note of encouragement in the midst of it all. We know that God is aware of and present in all circumstances, so let's look at some potentially bright sides of an otherwise very dark situation.

? We are being reminded of reality. The warning signs and predictions that things could not continue as they were have been present for some time. In the times ahead, some basic principles around living within our means, avoiding consumer debt, and saving for the unexpected will undoubtedly be adhered to by greater numbers of people.

? There are opportunities for the church and for your stewardship ministry to provide help and sound biblical teaching on personal money management to a much more receptive audience within ...