Isn’t it fascinating that words make up only about 7% of how we communicate? The way we say those words—our pitch, tone, volume, and pace—makes up 38%, and the biggest part, 55%, comes from what we don’t even say! Things like eye contact, posture, gestures, body language, and facial expressions do most of the talking for us. In fact, with 43 muscles in our faces, we can make over 10,000 different expressions (National Institutes of Health, 2023)! That’s one powerful face, wouldn’t you say? So next time you’re talking with someone, remember—they’ll remember most how you said what you said. "A word fitly spoken is like apples of gold in a setting of silver" (Prov. 25:11).
How to Survive the Coming Economic Crisis
He Is Risen–Breaking the Chains of Financial Bondage
Speaker
Dwight K. NelsonDwight Nelson served as lead pastor of the Pioneer Memorial Church on the campus of Andrews University from 1983 to 2023. During his time at Pioneer he spoke on the “New Perceptions” telecast, taught at the theological seminary and has written books, including The Chosen. He and his wife, Karen, are blessed with two married children and 2 granddaughters.
Offering
Saturday, April 20, 2019
Program:
Praise
Christ Is Risen • Because He Lives • Worthy Is the Lamb/Agnus Dei
Prayer
Rodlie Ortiz
Children’s Story
On an American Spiritual [WereYou There?] • David Holsinger
Worship in Music
Wondrous Love • Donald Grantham
Processional of Hope
Dwight & Karen Nelson
Hymn of Hope
Christ the Lord Is Risen Today • 166
Homily
"He Is Risen: Breaking the Chains of Financial Bondage"
Dwight K. Nelson
Commitment Card, Tithes & Offerings
He Lives • 251
More In This Series
"How to Survive the Coming Economic Crisis:
He Is Risen—Breaking the Chains of Financial Bondage"
www.newperceptions.tv
» The Story
• Luke 24:1-8
» The Stats
• At the end of last year million Americans had a credit card(s).
• The average credit-card debt per borrower is $—up about 7.5 percent from 2015.
• If you paid only the minimum payments on a $5000 credit card debt, you would be in debt for more than years and end up paying $ in interest based on national averages.
• According to a NerdWallet study, the average American household has more than $ in credit card debt.
• Millennials (18-34) carry around $ in debt (student loans, credit cards, mortgages).
• Total student debt now exceeds $ .
• Thus % of Americans live from paycheck to paycheck.
• More than have less than $1000 reserved for emergency purposes.
• According to USA Today some million Americans—or 16% of the adults—think they will miss at least one credit card due date in 2019.
• www.usatoday.com/story/money/2019/02/27/student-loan-debt-4-things-keep-...) (www.usatoday.com/story/money/personalfinance/2019/03/12/national-debt-ri...) (www.investopedia.com/investing/early-warning-signs-next-financial-crisis/)
» The Scripture
• "'The Son of Man must be delivered over to the hands of , be crucified and on the third day be raised again.'" (Luke 24:8)
• Isaiah 53:6—"And the LORD has laid on Him the of us all."
• 2 Corinthians 5:21—"God made Him who had no sin to be for us, so that in Him we might become the righteousness of God."
• He died a Debtor, so that we might live free.
• 2 Corinthians 8:9—"For you know the grace of our Lord Jesus Christ, that though He was , yet for your sake He became , so that you through His poverty might become ."
» The Steps
• Jesus: "Seek the Kingdom of God and His righteousness, and all these things will be added to you." (Matthew 6:33)
• #1—Perform what Dave Ramsey calls a " ."
• www.thriventcu.com offers this practical counsel: (1) Do not use debt (credit cards) to buy short-term consumer goods, such as clothing, entertainment or electronics; (2) avoid debt over items with a short life span and little resale value; and (3) avoid debt which comes with a very high interest rate.
• Dave Ramsey: "There is NO positive side to credit card use. You will spend more if you use credit cards instead of cash. If you 'have to' use plastic, I suggest a debit card. I use them for travel and the occasional convenience of ordering something over the Internet or phone. Other than that, I use ." (www.daveramsey.com)
• #2—Always pay more than the .
• #3—Pay off your credit cards beginning with the lowest in order to experience success as soon as possible.
• #4—Reduce the rate.
• #5—Beware of debt settlement companies.
• #6— to somebody.
• James Scurlock: "Maybe it’s because of what Dave Ramsey calls the intense that everybody feels about debt—the false certainty that everyone else has got it together. Or maybe it's what Bob, the Debtors Anonymous member I interviewed, told me: debt is simply not a socially acceptable topic; one can talk about one's sex life or even one's drug addiction as though it were fashionable, but owning up to one's financial troubles means being ostracized from the world of polite conversation." (Maxed Out 123)
• National Foundation for Credit Counseling (800-388-2227)
• #7—When you make God . . . He will make it .
• Malachi 3:10-12
Make God First
With This in Mind...
Fellowship Dinner
Pioneer Commons
We will not be having fellowship dinner this Sabbath in the commons.
Katherine Smith Celebration of Life
We are saddened to share that Katherine Smith, 95, passed away on August 8, 2025, in Mesa, AZ, from complications of Alzheimer's. A former Associate Dean of Women and Pioneer Memorial Church co-Head Elder, she was a fixture in the Berrien Springs community for over 50 years. An informal Celebration of Life will be held at the Pioneer Memorial Church Commons on Saturday, November 8, 2025, from 5-7 PM. Please join us as we share fond memories and fellowship together while enjoying a light supper. Share your favorite memory with Susie at livrefou@hotmail.com. In lieu of flowers, please contribute to Neighbor to Neighbor at https://www.n2nhelps.com.
Pioneer Children's Activity Bags
We are grateful that so many families enjoy using the children's activity bags during services. To help maintain this ministry and manage costs, please return the bags and all items inside after each use. We also ask that the contents be handled with care so they remain in good condition for others to enjoy. Thank you for helping us keep this resource available and welcoming for all our children.
Locations for Men's and Women's Foot-washing (Ordnance of Humility)
Due to ongoing renovations to in the Children's Sabbath Schools under the sanctuary locations of the Men's and Women't Foot-washing has been changed.
The Women's Foot-washing will occur in the Youth Chapel. For the Youth Chapel, please exit the Sanctuary through the front piano-side doors.
The Men's Foot-washing will occur in the Earliteen Loft. For the Earliteen Loft, please exit the Sanctuary through the front organ-side doors; then proceed up the stairs or use the elevator to reach the Earliteen Loft.
The Family Foot-washing will occur in its normal location - the Commons Area. For the Commons Area, please exit through the front Sanctuary doors and proceed down the stairs to the lower level.
Offering for November 1, 2025
Pioneer Operating Budget
“Your clothes did not wear out and your feet did not swell during these forty years” (Deuteronomy 8:4, NIV). When the Israelites trusted in God for their needs and were faithful to Him, He always came through. Imagine clothes and sandals that did not wear out over 40 years of use! Now that is the miracle of God. That is a testimony of His love and care of His children.
In our family, my wife and I remind ourselves that everything we own belongs to God! The first microwave we purchased as a married couple became a living testimony of God’s faithfulness. This microwave, after ten years of usage, became a topic of discussion. My wife said, “Any time now, I want to replace this microwave when it stops working!” One morning, the microwave stopped working! My wife rejoiced at the thought of a replacement. I didn’t know anything about fixing appliances. Well, as I was visiting a church member that afternoon, he heard of our dilemma and offered to look at the appliance. In two minutes, he said, “Pastor, here’s the problem. I replaced the fuse and it is now working!” The cost of the fuse? Twelve cents. That microwave continued to work for a total of 21 years—to my wife’s dismay— until we finally donated it to a family member! Our God is always good! Let’s see how God will take care of our needs today.
—Melvin Santos, Kansas/Nebraska Conference in partnership with the North American Division Stewardship Ministries
Time Change
Clocks will "Fall Back" on Sunday morning at 2 AM so we all can get an extra hour of sleep this weekend.
Andrews Academy - Penny Arcade
Andrews Academy invites all seventh and eighth graders to Penny Arcade, Saturday night Nov. 8, 2025. This is a fun evening of games, activities & food; all for just pennies. Get to know Andrews Academy students better as you and your seventh & eighth grade friends enjoy Penny Arcade from 7 - 9 PM. Due to costs, we can only open this to 7th & 8th graders & Andrews Academy students, this is not open to siblings and families. Parents can drop your child off at 7:45 PM and pick them up at 9 pm. If you have any questions please contact the school at 269-471-3138.
Adopt-a-Student
Looking for a simple way to bless a student this semester? Consider adopting one! Whether you’re a family or an individual, you can offer warmth, encouragement, and a sense of home to a student who’s far from theirs. Together, we can help students thrive! Reach out to learn how you can adopt a student and make a real difference. Contact Mari Bowerman at belong@pmchurch.org
Something in Common Sabbath School
Starting Point video series with Andy Stanley: Everything has a beginning. Every person, every idea, every journey starts somewhere. Whether it's one small step in a new direction or a major event, from that point forward nothing is ever the same. It's not always comfortable. It's not always easy. But it's a start. This 8-part series ends December 6, 2025. Everyone is welcome. PMC Boardroom. 10:30-11:30 Sabbath mornings.