The Rise and Fall of the Economy Rests on the Shoulders of US… NOT the Government-SO- Time to STEP UP

A fortune made by a lying tongue is a fleeting vapor and a deadly snare. Proverbs 21:6

Business Done With a Handshake, the Honorable Beginnings of BANK OF AMERICA

Have you ever heard of Amadeo Giannini? How about Bank of America?

Bank of America’s history dates to 1904, when Amadeo Giannini founded the Bank of Italy in San Francisco to cater to immigrants who were denied service from other banks. Amadeo was raised by the Fava/Stanghellini family when his father was shot while trying to collect on a $10.00 debt.

When the 1909 San Francisco earthquake struck, Giannini was able to get all deposits out of the bank building and away from the fires. Because San Francisco’s banks were in smoldering ruins and unable to open their vaults, Giannini was able to use the rescued funds to start lending within a few days of the disaster. From a makeshift desk of a few planks over two barrels, he loaned money to anyone who was willing to rebuild. Later in life, he took great pride that all of these loans were repaid.

In 1922, Giannini established Bank of America and Italy in Italy by buying Banca dell’Italia Meridionale, itself only established in 1918.

March 7, 1927, Mr. Giannini consolidated his Bank of Italy (101 branches) with the then newly formed Liberty Bank of America (175 branches). The result was the Bank of Italy National Trust & Savings Association with capital of $30,000,000, and resources of $115,000,000.

In 1928, A. P. Giannini merged with Bank of America, Los Angeles and consolidated it with his other bank holdings to create what would become the largest banking institution in the country. He renamed his Bank of Italy November 3, 1930, calling it Bank of America. The merger was completed in early 1929 and took the name Bank of America. The combined company was headed by Giannini with Orra E. Monnette serving as co-Chair.

People are excited to work for leaders who have a strong and moral compass.

There Was a Time…

It was not that long ago, that it was entirely possible for a man to sit on a dock and “from a makeshift desk of a few planks over two barrels” loan money to anyone willing to work. In the biography of the history of Bank of America, it is written that Amadeo would simply ask the loanee for their address, and then give out the money.

When business owners are found trustworthy, respectable and-dare I say-righteous, the economy GROWS. How so? People are excited to work for leaders who have a strong moral compass. As soon as the companies CEO, founder or President is found crooked, cheating, stealing, greedy and deserving of little or no respect-the organization falls apart and there is no unity “team work” or moral. It is in this environment that many of the companies employees are led to relieve their stressful work environments for drugs, alcohol, promiscuity… etc.



12hrs x 6 (for work done from home via email/thinking) = 72hrs a wk

72hrs x 4.5wks= 324hrs a mos

324hrs x 12mos = 3888hrs a year!

If the average person spends 8 hours a day sleeping, and the rest working and playing, after 365 days the person will have slept 2920hrs. When you compare our sleeping hours to our waking hours-we spend MORE time at work than we do asleep. This is an important factor to consider, because aside from sleeping, working is the ONLY thing we do the most of. If then, you actually work MORE than you sleep… you must understand that YOUR JOB MAKES UP A LARGE PORTION OF WHO YOU ARE.

There is no possible way we should blame a “governing” organization for our economy. Raising taxes, to return to us pennies… is NOT the answer.

The Government is NOT at Fault… WE ARE

As soon as we believers STOPPED working hard; stopped investing and giving our monies to our brothers and sisters in support of their businesses, stopped operating honestly, stopped sharing our faith, stopped creating business opportunities for others, stopped adding value, and STOPPED being righteous-we STOPPED GIVING HOPE TO THE NON-BELIEVING OTHERS.

Blaming the Government for our “failing” economy is not reality. We all have the choice of what we can or can not do with our own 24 hour day. The Government’s prime derivative is to “relegate and manage”, NOT to distribute and build. Distributing and building is left up to the entrepreneur. Government policies that lower or raise taxes in order to “help” people get jobs- are only policies intended to HELP/enable jobs… NOT TO CREATE THEM. Government in it’s very nature is NOT intended for business purposes-we need to understand this. (Businesses become created in forms of Government “jobs” out of necessity, when no private enterprise is to be found. People seem to think these positions are more “secure” due to the incorrect assumption that the Government can “just print more money”)

Why Do Businesses, Economies, even Families Fail and Fall Apart?


Hope deferred makes the heart sick, but a longing fulfilled is a tree of life. Proverbs 13:12

Where there is no HOPE the heart grows sick. Our “hearts” are not just our health, our hearts are our homes-our LIVELY HOOD. Crooked business owners, who operate unscrupulously  give their employees little or NO hope to draw from. Hope springs from the inside, a flurry of excitement about the possibilities of the future! The culture of an organization/economy/family that is HOPEFUL brings health and healing to the heart of man, when we begin to watch longings fulfilled- we are given LIFE and lives worth living!

At Gloucestershire Royal Hospital, a nurse fights for the right to pray for her patients.

There is a Call to Action! Christian’s DOMINATING in the workplace!

I have a dream.

I dream of positive and BOLD Christian film makers and films, coffee houses, grocery stores, musicians, clothing lines, jewelry stores, insurance agencies, banks, restaurants, software, hardware, electronic companies, home builders… a MARKETPLACE FULL of HOLY SPIRIT FILLED BELIEVERS WHOSE PULSE AND HEART BEAT OF FAITH CONTROLS THE VERY PROSPERITY OF THE ECONOMY.

If Christ is indeed returning for a “Glorified Church”, as spoken of in the Revelation of John, how are we to become “Glorified”? The glorification process begins in the heart of a man, and spirals out to his family, AND his workplace.

Dishonest money dwindles away, but he who gathers money little by little makes it grow. Proverbs 13:11

A fortune made by a lying tongue is a fleeting vapor and a deadly snare. Proverbs 21:6

It is time for Christian’s to DOMINATE the marketplace, not just be IN it. As you have learned, you spend MORE TIME WORKING THAN ANYTHING ELSE THAT YOU DO. Are you in a position to where you feel like you can be the Christ follower God intended you to be while you are working? Or do you suppress your faith JUST BECAUSE YOU WANT TO “KEEP” your job??

The economy, the Government, families all around the world are CRYING OUT FOR HOPE, and they need “a few good men” to stand up in business and FIGHT LIKE HELL to bring this world back to a handshaking, trustworthy, money loaning-based on good character-reality. WE CAN DO THIS! TIME TO STEP UP brothers and sisters! WE BELIEVERS ARE RESPONSIBLE FOR THE SUCCESS OF THE ECONOMY!

May God continue to bless you and all that you do as you make a difference in this world,

Your friend,


Jessica Heilman is an author, wife and mother of 5. She blogs daily on life, family, and her walk with Christ in a modern and Biblically-applicable way. She believes that the Bible is timeless, and that it is THE foundational reading for the 21rst Century in regards to wholehearted living. Her mission daily: to do everything she possibly can to hasten the return of the coming Christ.

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