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Ottawa, Canada
Dr. Charles Lam has since 1971 received training in West Germany (telecom) and university education in U.K. (management) and acquired working experiences in Hong Kong and Canada, in a utility company, Hong Kong Government, a multinational organization and a SME. In his career path, he has acquired qualifications from UK institutions including DBA (1990), MBA (1980) and Chartered Engineer (1978). Since 1986, he has left pure engineering to teaching various subjects of business management in Hong Kong for famous universities of Hong Kong, England and United States. He also has served the society as a member of an advisory committee of the Hong Kong Government for eight years, and as the Hon. Chairman of its Consumer Education Group. Later, he set up his own company to offer services as a consultant, writer and speaker. In his 'Second Half Time', he has been working passionately on integrating Christian values with management knowledge, in the marketplace/workplace ministry, serving hospitals, churches and organizations, as a speaker, consultant, life coach, and the leader of a REST Group based on a life story approach. Charles is currently living with his wife in Canada.

Monday, January 22, 2018

系統思維 : 連結財富管理與生涯管理 (part 2/3)

賺取財富

為何做--為謀生過活和看顧家人生活(提前 5: 8 )都是恰當的目的. 但信徒也很容易被「先發財, 後立品」的心態迷感, 把「不做那又惡又懶的僕人」 (太 25 : 26) 作為值口. 如果賺錢是因為貪財, 驕傲或嫉忌等, 便是犯罪. 貪財更是萬惡之根 (提前 6 : 10). 現今金融市場中的很多產品本身是中性的, 但是人的罪把它們染污了.

做什麼--賺取金錢的方法有很多. 工作可以賺取工資; 投資做生意可以賺取回報; 儲蓄可以賺取利息; 在金融市場作買賣, 也可以增加資產.

怎樣做--工作為謀生(making a living)是對的. 可以享受一份好的工作來賺取好的收入, 更是一件好事! 但是, 活出豐盛的生命 (making a life) ( 約 翰 10 : 10) 才是重要的. 所以千萬不要因拼搏而使身体或家庭健康受傷害 (太 16 : 26). 一些賺取財富的方法, 包括金融市場的交易, 是有欺詐, 偷竊或賭博性資. 信徒如果內心出現矛盾, 在行動前 先要禱告、省察和尋求指引, 否則很容易變為温水中的青蛙.

儲蓄財富

為何做--儲蓄以備不時之需 (箴 30 : 25) 是合理的. 但不要因憂慮而儲蓄 (太 6 : 25) , 包括留下產業給子女, 免得他們可能成為浪子 (路加 15: 11-13) . 為炫耀財富而儲蓄更加是犯罪. 想深一層, 如果在地上的儲蓄不能夠變為天上的財寶 (自己的或別人的), 盡力去做又有什麽價值呢? 主耶穌不是稱讚那位奉獻她所有的窮寡婦嗎 ( 路 21:1-4) ?

做什麼--工作收入(人揾錢)和投資(錢揾錢)會增加儲蓄. 儲蓄是一種資產; 反之, 欠債卻是一種「負」資產. 在行為方面, 可以分為增加儲蓄和管理儲蓄兩種.

怎樣做—我們不應該埋藏儲蓄在地土裏不去使用 ( 太 25:
25); 儲蓄最大的功能卻是作恰當的運用. 要盡量避免負債; 如果已欠了債, 要盡力從束縛中得到釋放, 避免成為債主的僕人 (箴 言 22: 7). 也不應該貪心為賺取收入而產生新的債項. 關於別人欠的債, 我們不應該生怒, 謀暴利和欺壓窮人 (箴言22: 16).


(登載在《今日華人教會》2007年12月"基督徒與財務")

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