Prudence

The Francis Scott Key Bridge in Baltimore collapsed in March 2024 after being struck by a container ship. Six people were killed.

n 1991, Maryland was among the states that helped develop a test to evaluate bridges for the likelihood of collapse if they were to be struck by a ship. The risks varied according to a number of factors, including the speed of the vessels passing underneath, the depth of the water, the geometry of the bridge and what systems were in place to protect a bridge’s support structures.

Even as the vessel traffic crossing under the Key Bridge grew over the years in size and volume, increasing the bridge’s vulnerability, Maryland transportation officials never conducted such a risk assessment. An assessment by federal officials after the collapse revealed that the bridge’s risk level was almost 30 times the recommended threshold. Given that Maryland officials helped developed the test, one official said, “there’s no excuse.”

But many other states have not conducted risk or vulnerability assessments on their bridges. Investigators found that dozens of bridges in 19 states had not been assessed for risk of collapse in recent years, even though the volume of vessel traffic passing underneath these bridges suggested a strike by a ship was a distinct possibility. The National Transportation Safety Board has contacted the operators of these bridges — in most cases, state transportation departments and regional port authorities — to urge them to conduct assessments and, if needed, come up with measures to reduce the risk of collapse.

Tarryn Pitt loves scouring thrift shops for treasures, from vintage canning jars to velveteen armchairs. “I’ve been thrifting my whole life — it’s one of my favorite things to do, at least once or twice a week,” she said. “Pretty much all of my home decor came from a thrift store.”

She was browsing in secondhand stores where she lives in Prineville, Oregon, when she got an idea about her upcoming wedding. The average cost of a wedding in the United States is about $33,000 — an amount she said she found extravagant and also created a lot of environmental waste.

“I wanted something that was unique and fit my personality,” said Pitt, 25. “A thrift store wedding dinner seemed like the perfect answer.”

She and her fiancé, Holt Porfily, are inviting 307 guests to their outdoor mountain wedding in Sisters, Oregon. All of the wedding tableware and decorations at the outdoor meal will be thrifted.

“It’s honestly not just about saving money for us, though,” Pitt said. “What we’re doing is super sustainable, and I love giving old things new life.”

So far, she said, she has spent less than $2,000 on her wedding dinnerware and decorations, about half of what she priced out to rent similar items.

In late December, she posted a TikTok video of some of the plates she had found during one of her thrift shop excursions. Pitt said she was shocked when the video received more than 3.6 million views and 2,200 comments.

Pitt said the response has been so positive that she now plans to keep only a few plates after the wedding, and she hopes to rent the rest to other interested brides and grooms. She said she will keep the price low for obvious reasons.

As 29-year-old Neha Wright checked her mailbox and brought in the latest batch of bills, she realized the moment had finally arrived: Her childhood love of receiving a letter in the mail had officially been replaced with a very adult fear of receiving a letter in the mail.

Neha’s parents recall that as a kid, she would teem with excitement when she got a letter addressed to her and would run to open it. Neha’s mother said, “Most of the time it was something boring like a postcard from a cousin or a school paper. She’d check the mailbox every evening after school if she knew a letter was on the way.”

Now that she’s reached adulthood, seeing a letter in the mail sends a chill down Neha’s spine, and its sort of up in the air whether she will open it at all. She continued, “It’s almost always my electric bill or a notice from my bank, two of the scariest things a girl can receive. I’m pretty sure that if I don’t open it, I can’t be legally held responsible for the contents!”

According to her bank, this is untrue, but when reporters tried to inform Neha of this, she simply closed her eyes, held her hands over her ears, and said, “Lalalalalalala.”

Neha said, “It’s hard to imagine there was once a time where I loved receiving mail, because it meant $20 from my grandparents. Imagine opening mail and gaining money? That must’ve been awesome!”

Neha’s adulthood disdain for mail does not, however, apply to packages, which have retained their childlike wonder. If anything, Neha’s joy at receiving a package has only grown. “Oh, yeah, letters and packages are very different,” Neha continued. “Letters are scary and packages are tiny little glimmers of hope that carry things like clothing and skincare products. I’m super pro-package.”

Possible Preaching Angle:

Obviously, this is a humorous, but not so hypothetical, situation. How many of us overspend during the holidays, or put an expensive trip on our credit card, only to be shocked when the bill arrives whether by mail or email?

The number of Americans carrying a credit card balance is climbing, with many using their credit to cover unexpected or emergency expenses, a new Bankrate report reveals.

The share of credit card holders that carry a balance has increased to 49%—up from 39% in 2021. This is likely due to the increased cost of credit card debt over the past two years. The average interest rate has climbed from an average of 16.45% in 2021 to 24.37% as of March 2024 according to Investopedia.

Of those with credit card debt, 43% say they carry a balance because of an unexpected or emergency expense, most commonly medical bills or car and home repairs. However, financial experts don’t recommend financing these costs with your credit card, if you can help it.

Credit cards tend to have high interest rates compared with other types of loans, which makes them a terrible option for debt financing. This is why experts recommend keeping your outstanding balance at $0 each month, if possible.

Paying only the monthly minimum payment is better than nothing. However, those payments only cover a fraction of the balance owed. The longer you take to pay the balance, the more interest you’ll be charged, since it accrues daily.

For some shoppers, the upcoming holiday season may lead to piling on more debt. About 25% of Americans are still paying off holiday debt from 2022, according to WalletHub.

But those already carrying a balance could find themselves sinking further into the red if they don’t get a handle on their credit card debt. “If you’re in a hole, stop digging,” says Ted Rossman, Bankrate’s senior industry analyst.

One reason you may want to avoid racking up more debt is that higher interest rates are making it more expensive to pay down. As of November, the average credit card interest rate has risen from around 16% to nearly 21%. This is due to the Federal Reserve raising interest rates in March 2020 in an effort to combat inflation.

A higher interest rate means it could take longer and be more expensive to pay down your credit card debt. Rossman says, “Even a more modest $1,000 balance (from last year’s holiday gifts, perhaps) would keep someone in debt for 40 months and cost them $390 in interest if they only make minimum payments at [the current average rate of] 20.72%.”

A Wall Street Journal article begins with this story about the increased debt load many Americans are carrying:

Danielle Smith and her family thought they had finally escaped the paycheck-to-paycheck cycle they had fallen into. They saved money during the pandemic while they were stuck at home. They used stimulus checks to chip away at $20,000 in credit card debt and enjoyed a reprieve from monthly payments on their $160,000 in student loans.

Lately, they have been hit with one unexpected expense after another, from an out-of-pocket MRI to a broken water heater. They also took trips with their four children that they had put off because of Covid, including to Walt Disney World, local museums, and the zoo. By 2022, their credit-card debt had doubled to nearly $40,000. Ms. Smith said, “It’s just a never-ending cycle of playing catch-up.”

The article noted that American millennials in their 30s have racked up debt at a historic clip since the pandemic. Their total balances hit more than $3.8 trillion in the fourth quarter, a 27% jump from late 2019. That is the steepest increase of any age group. It is also their fastest pace of debt accumulation over a three-year period since the 2008 financial crisis.

Travelers on a boat tour in the Bahamas were relieved after witnessing an incident on the waters. Witnesses say they saw a twelve-foot-long hammerhead shark swimming in the waters, a rare treat for tourists. But their delight turned to horror when they witnessed a dog jump into the water from a nearby dock to confront the shark.

In a video posted to social media, onlookers can be heard shouting anguished warnings for the dog to get away while the dog and the shark are circling each other. But inexplicably, the shark turns around and swims away. One man exclaimed, “I don’t think the shark is going to mess with him!”

The tour reservations manager Rebecca Lightbourn says she often sees the dog running along the shore to greet the boat, but had never seen it dive in like that. She said, “I guess this time the dog decided he wanted to protect his house or play with a really big fish in the water, so he went after it.”

When the shark swam away from the pier, the medium-sized dog scrambled back onto the rocks and loped away like it was no big deal.

Possible Preaching Angles:

1) Devil; Satan; Spiritual Warfare - When God is with us, we can be bold and confident against our vicious enemy Satan (Jam. 4:7). 2) Boldness; Prudence - God honors good judgment and wisdom as well as bravery. So, we do not completely ignore danger.

In Major League Baseball, it’s common for umpires to eject players or team personnel whose behavior is deemed out of line. But rarely does those ejected include the grounds crew. MLB umpire crew chief Terry Timmons later denied ejecting them, per se, but that’s what he appeared to do during a mid-September game between the Baltimore Orioles and the New York Yankees.

The Orioles had a one-run lead when storm clouds were gathering overhead and it appeared as though rain was imminent. As is their duty, the grounds crew stood beyond the first base line holding their massive tarp, ready to spread it over the field to protect it from rainfall. That is, until Timmons emphatically waved them off of the field. It was the ninth inning, and Timmons wanted to finish the game. After the game Timmons texted the Associated Press, "I didn't 'eject' the grounds crew. I just didn't want all of them behind the tarp, especially with the infield in.''

Timmons’ unspoken but understandable concern was with avoiding an unnecessary delay to the game. It takes time for the grounds crew to either cover or uncover the field, and that doesn’t even include whatever delay the rain itself might incur. With the game so close to its conclusion, Timmons’ desire echoed that of many American workers; after a long day of work, he just wanted to go home.

A few minutes after the grounds crew was ushered away, Yankees batter Brett Gardner ended up hitting a two-run single to win the game.

Possible Preaching Angle:

When we serve the Lord, we must have sound judgment. Wisdom isn't just mindlessly applying the same standard to every situation, but assessing the time and situation to continually discern the most prudent course of action.

I took a job as an accountant in downtown Chicago. As your basic 9-to-5 bookkeeper, my duties included managing the petty cash. Salesmen would come in from the road and turn in their receipts. I'd give them cash and put the receipts in the petty-cash drawer. At the end of the day, I'd have to reconcile what was in the drawer with the receipts. It was always close, but it never balanced. At five o'clock, when everybody else was leaving the office, I'd be tearing my hair out because petty cash was short by $1.48. Around 8 p.m., I'd find the discrepancy.

I followed this routine for a couple weeks. Finally, one day, I pulled the amount I was short from my pocket—$1.67—put it in the drawer, and called it a day. Not long after, the petty cash drawer was over by $2.11. So I took $2.11 out of petty cash and pocketed that. I was hardly stealing. Inevitably, in the next couple of days, I would be under, and back the money would go.

After several weeks of this, Mr. Hutchinson, head of accounting, discovered my shortcut to balancing petty cash. "George," he lectured me, using my given name, "these are not sound accounting principles."

"You know, Mr. Hutchinson," I said, "I just don't think I'm cut out for accounting. Why would you pay me $6 an hour to spend four hours finding $1.40?"

Although some historians question the veracity of all the facts in the following story, it is accurate enough to make an interesting point.

The U.S. standard railroad gauge is four feet, eight-and-one-half inches. How did we wind up with such an odd railway width? Because that was the width English railroad-building expatriates brought with them to America. Why did the English build them this wide? Because the first British rail lines were built by the same people who built the pre-railroad tramways, and that's the gauge they used. Why did they use that gauge? Because the same jigs, tools, and people who built wagons built the tramways and used the standard wagon-wheel spacing. Wagon-wheel spacing was standardized due to a very practical, hard-to-change, and easy-to-match reality. When Britain was ruled by Imperial Rome, Roman war chariots, in true bureaucratic fashion, all used a standard spacing between their wheels.

Over time, this spacing left deep ruts along the extensive road network the Romans built. If British wheel spacing didn't match Roman ruts, the wheels would break. The Roman standard was derived after trial-and-error efforts of early wagon and chariot builders. They determined the best width that would accommodate two horse butts was four feet, eight and one-half inches. Thus the United States standard railroad gauge is a hand-me-down standard based upon the original specification for an Imperial Roman war chariot.

This doesn't end at railroads. Two big booster rockets attach to the sides of the main fuel tank that lifts the space shuttle into orbit. Thiokol makes these solid-fuel rocket boosters, SRBs, at its Utah factory. The engineers who design the SRBs ship them from factory to launch site by train. The railroad from the factory runs through a mountain tunnel only slightly wider than the railroad track. Even if Thiokol engineers wanted fatter SRBs, the railway gauge limits their design. Modern space shuttle design follows horses' butts.

After losing an $11 million lawsuit, Big Idea Productions Inc., creator of VeggieTales, announced that it filed for bankruptcy and sold its copyrights to Classic Media LLC.

"To call this last year difficult is an understatement," said Big Idea founder and CEO Phil Vischer. "In the midst of VeggieTales' success [including the release last November of the motion picture Jonah: A VeggieTales Movie], we made several key strategic errors that led us to this point."

Vischer told Christian Retailing Magazine, "We got ourselves upside down financially when everything was working wonderfully. When things were doing so well, I thought that was God wanting us to expand, so we grew like crazy. Now I think it was more me having all these great ideas in my head and being so excited that I wanted to do them all at once."

The San Francisco Examiner (7/7/93) reported that the California State Automobile Association claims office received a package by Federal Express. The unknown contents were bundled in a Fruit Loops cereal box.

Workers quickly became suspicious. The FBI had only days before uncovered a terrorist bombing ring in New York, and the media had been crackling with stories of terrorist bombings.

Security guards called the police, and about 400 office workers were evacuated from the building. The bomb squad soon arrived on the scene. The Fruit Loops cereal box was "neutralized" with a small cannon, and its contents were blasted into the air. The bomb squad, however, found no explosives. Inside the suspicious package had been $24,000 in cash. The box contained bundles of $20 bills, $1,000 of which were destroyed in the blast.

"This was a first, finding money," said platoon leader Jim Seim. The package "arrived in such a way that it aroused our suspicions," he said. "We were able to render it neutral. We always err on the side of caution."

In our world it is prudent to use caution, but blanket suspicion can destroy things more valuable than money. Perhaps that is why Christ told us to be shrewd as snakes, and innocent as doves.

As a child of God, you need to be prudent. You cannot simply walk around in this world as if nothing and no one can harm you. You remain extremely vulnerable. The same passions that make you love God may be used by the powers of evil.

Whoever intends to enter married life should do so in faith and in God's name. He should pray to God that it may prosper according to his will and that marriage may not be treated as a matter of fun and folly. It is a hazardous matter and as serious as anything on earth can be. Therefore we should not rush into it as the world does, in keeping with its frivolousness and wantonness and in pursuit of its pleasure; but before taking this step we should consult God, so that we may lead our married life to his glory.

There is no dignity quite so impressive, and no independence quite so important, as living within your means.