Good Morning guys,
I have a special free gift for my readers this last day in 2007 designed to 1) give you a free makeover, 2) make you the Head in your (relationships, profession, and outlook on life) and 3) give you peace of mind. This exercise is a snapshot of what I do in my seminars. It is guaranteed to extend your life, make you look years younger and make you a Winner at life!
Happy New Year and Stay Blessed!
Joyce
Joyce’s Free Extreme Makeover Treatment©2007
1) I now forgive myself for not living up to my full potential. I forgive myself for harboring unkind thoughts or for any unkind acts I have committed against __________________. I take personal responsibility for my thoughts and actions.
I also forgive those enemies that are lodged within the “inner me” named __________________________________.
2) I now forgive the following persons for any offenses real or perceived offenses committed against me: ___________________________________________________
3) I choose to die to any of the following that hinders my spiritual, physical, emotional and financial progress:
______ jealousy ____drug addiction _____lasciviousness
______ envy ____sexual perversion _____fear
______ covetousness ____fornication _____greed
______ anger ____adultery _____hate
______ overeating ____alcoholism _____unforgiveness
4) I choose God’s more excellent way and I agree that I am made in the image and likeness of God and as such I demonstrate in my life the following:
____ love ____goodness _____wisdom ____gentleness
____ joy ____faith _____intelligence _____prosperity
____ peace of mind ____meekness _____creativity _____forgiveness
____ longsuffering ____temperance _____persistence _____wealth
_____health ____wholeness
5) Fully restored my goals for 2008 are as follows: ___________________________________________________
6) I take the following action steps today towards my goals:
___________________________________________________
Monday, December 31, 2007
Friday, December 28, 2007
The Value Of Time
Good Morning guys,
It rained last night in Georgia and I am grateful to God for that. Do you ever wonder where the rain comes from? Ask a 5th grader about the rain cycle and you will be amazed. Sorry for digressing, but I just had to talk about the rain last night. It was wonderful to hear it, very calming, reassuring- like being rocked in a cradle. God is good!
I want to share with you a poem called, “The Value of Time” that was forwarded to me. As we reflect on what this year has brought us, let us begin to focus and plan to make 2008 our best year yet. Please continue to send me your thoughts, poems, questions, articles, etc. and if appropriate, I will post them. Let’s work together so that we all can be Winners at life!
Stay Blessed!
Joyce
It rained last night in Georgia and I am grateful to God for that. Do you ever wonder where the rain comes from? Ask a 5th grader about the rain cycle and you will be amazed. Sorry for digressing, but I just had to talk about the rain last night. It was wonderful to hear it, very calming, reassuring- like being rocked in a cradle. God is good!
I want to share with you a poem called, “The Value of Time” that was forwarded to me. As we reflect on what this year has brought us, let us begin to focus and plan to make 2008 our best year yet. Please continue to send me your thoughts, poems, questions, articles, etc. and if appropriate, I will post them. Let’s work together so that we all can be Winners at life!
Stay Blessed!
Joyce
The Value of Time
To realize
The value of a sisterAsk someone
Who doesn't have one.
To realize
The value of 10 years:
Ask a newly Divorced couple.
To realize
The value of 4 years:
Ask a graduate.
To realize
The value of 1 year:
Ask a student who Has failed a final exam.
To realize
The value of 9 months:
Ask a mother who gave birth to a stillborn.
To realize
The value of 1 month:
Ask a mother who has given birth to
A premature baby.
To realize
The value of 1 week:
Ask an editor of a weekly newspaper.
To realize
The value of 1 minute:
Ask a person
Who has missed the train, bus or plane.
To realize
The value of 1 second:
Ask a person Who has survived an accident.
Time waits for no one.
Treasure every moment you have.
You will treasure it even more when you can share it with someone special.
To realize the value of a friend or family member:
LOSE ONE.
The origin of this letter is unknown,
But it brings good luck to everyone who passes it on.
Thursday, December 27, 2007
A Guide to Handling The Famines In Your Life
Are you experiencing a famine in your life? A shortage of healthy relationships, money, energy, health, joy, peace of mind, under or unemployment, to name a few?
Guess what this is a blessing in disguise! This is an opportunity for you to experience fulfillment in your life. Like the Wise Old Man (see December 13 post) who chose to be happy in advance, let’s take a positive attitude and say to the famines in our life like the Biblical Joseph, “you meant it for evil, but God meant it for good.”
Here is my recipe for handling the famines I encounter in life. Here’s how you can take a negative- FAMINES and turn it into a positive:
Have (F)aith in God’s promise, that He made you to be the Head and not the Tail. Practice forgiveness and love unconditionally.
Develop an (A)ppetite for healthy foods that promote life and build your immune system.
Listen to (M)usic daily that is uplifting and inspires you to achieve greatness.
(I)ncrease your knowledge base, never stop learning and trying new things. Take a course, go back to school or finish your degree.
Don’t (N)eglect your needs and be moderate with your desires. Leave something behind for the gleaners. Be honest with yourself.
(E)xercise- daily meditate on God’s Word and pray without ceasing. Physically work out 30 minutes at least 4-5 times a week.
(S)et goals that stretch you. Find a mentor or group that you can be accountable to.
If you confront your famines in a positive way as I have outlined, I guarantee that you will be a Winner at life!
Stay Blessed!
Joyce
Guess what this is a blessing in disguise! This is an opportunity for you to experience fulfillment in your life. Like the Wise Old Man (see December 13 post) who chose to be happy in advance, let’s take a positive attitude and say to the famines in our life like the Biblical Joseph, “you meant it for evil, but God meant it for good.”
Here is my recipe for handling the famines I encounter in life. Here’s how you can take a negative- FAMINES and turn it into a positive:
Have (F)aith in God’s promise, that He made you to be the Head and not the Tail. Practice forgiveness and love unconditionally.
Develop an (A)ppetite for healthy foods that promote life and build your immune system.
Listen to (M)usic daily that is uplifting and inspires you to achieve greatness.
(I)ncrease your knowledge base, never stop learning and trying new things. Take a course, go back to school or finish your degree.
Don’t (N)eglect your needs and be moderate with your desires. Leave something behind for the gleaners. Be honest with yourself.
(E)xercise- daily meditate on God’s Word and pray without ceasing. Physically work out 30 minutes at least 4-5 times a week.
(S)et goals that stretch you. Find a mentor or group that you can be accountable to.
If you confront your famines in a positive way as I have outlined, I guarantee that you will be a Winner at life!
Stay Blessed!
Joyce
Wednesday, December 26, 2007
How To Handle The Holiday Bills And Stay Sane!
Now that Christmas is over, unfortunately the bills along with anxiety, depression, shortness of temper, fear, and loneliness will roll in like the New Year. Consumer Credit Card Counseling Services (CCCS) reports the following statistics:
It is estimated that, on average, 20% of Americans have “maxed out” their credit cards.
About 25% of adults in the United States have a history of credit problems.
Americans’ average credit card debt is $8400 per household.
Roughly 24% of personal expenditures in the United States are made using bank credit cards, retail cards, and debit cards.
In the first quarter of 2002, total credit debt was $660 billion. Total credit card debt was approximately $60 billion.
Approximately 185 million American consumers have at least one credit card.
Of those 185 million consumers with credit cards, 1.3 million credit card holders declared bankruptcy in 2002.
Americans pay, on average, an 18.9% interest rate on credit cards.
The average household pays $83.33 in credit card interest per month.
On average, the typical credit card purchase is 112% higher than if using cash.
More than 40% of American families spend more than they earn. (Federal Reserve).
As of 1995, 92% of American family disposable income is spent on paying debts, up from 65% in 1975. (Federal Reserve)
An $8,000 debt, at a rate of 18% interest, will take over 25 years to pay off and cost more than $24,000 in the long run. [1]
One of the things I am most grateful for this year is getting out of debt (see my December 21 post). It was very anxiety provoking for me to go to the mailbox and hold my breath while I opened my bills and wondered if the payment I sent arrived in time. The spiral effect of sending in a late payment escalating the interest rates on my other debts including my mortgage(s) loomed heavily in my mind.
What worked for me was 1) faith in God, praying, 2) thanking God for what I did have (food, health, shelter, family and friends), 3) tithing (yes, giving 10% to the church, even when I didn’t have enough to pay all my bills), 4) giving an offering, 5) paying my bills even if it was the minimum amount and 6) working at whatever opportunity that came my way.
I know many individuals lack the discipline to persevere when it seems like all hope is gone. It is difficult to pay your bills when friends are buying every new gadget that comes on the market and you sometimes feel you are not a good parent if you don’t buy your child that expensive toy that every kid wants. But, look at the statistics above. Would you rather disappoint your child or yourself now or later when you tell them you have to move because your house is facing foreclosure? What legacy will you then leave for your children?
For those who don’t have the discipline, I would recommend that you contact CCCS. It is a nationwide nonprofit service that offers free and confidential budget, credit, and housing counseling plus debt repayment plans. They have been in business since 1964 helping people pay their bills.
CCCS professional counselors offer individual, confidential advice for developing budgets, managing money, using credit wisely and building a savings plan. Their advisors will review your current situation and collaborate with you to determine the best possible financial strategies, offering solutions to your current financial problems as well as personalized plans for preventing financial pitfalls in the years to come.
For individuals and families who are overextended, CCCS offers assistance through its Debt Management Plan (DMP). The DMP is a systematic way to pay down your outstanding debt through monthly deposits to CCCS, which in turn distributes these funds to your creditors. CCCS works with clients and creditors alike to design a debt repayment program that will minimize monthly payments, interest and related fees, providing a manageable, tailored plan for each of its clients.
By participating in this program, you may benefit from reduced or waived finance charges and fewer collection calls, and when you have completed your payments, we'll help you reestablish your credit. Ultimately, DMPs serve the dual purpose of helping you repay debts and helping your creditors receive the money owed them.
This service, which is available in English or Spanish, will help you develop and manage your own plan so that you can do more with what you have. Call toll-free for a free budget counseling session today at 1-800-251-CCCS (2227). If you want our help in stopping collector calls and dropping interest rates, if you want peace of mind knowing that you have a plan to get out of debt, call CCCS or start an online counseling session immediately at http://www.cccsatl.org/.
Let’s start the New Year off right and become the Winner at life you were designed to be.
Stay Blessed!
Joyce
.
[1] http://creditcounselingbiz.com/credit_counseling_statistics.htm
It is estimated that, on average, 20% of Americans have “maxed out” their credit cards.
About 25% of adults in the United States have a history of credit problems.
Americans’ average credit card debt is $8400 per household.
Roughly 24% of personal expenditures in the United States are made using bank credit cards, retail cards, and debit cards.
In the first quarter of 2002, total credit debt was $660 billion. Total credit card debt was approximately $60 billion.
Approximately 185 million American consumers have at least one credit card.
Of those 185 million consumers with credit cards, 1.3 million credit card holders declared bankruptcy in 2002.
Americans pay, on average, an 18.9% interest rate on credit cards.
The average household pays $83.33 in credit card interest per month.
On average, the typical credit card purchase is 112% higher than if using cash.
More than 40% of American families spend more than they earn. (Federal Reserve).
As of 1995, 92% of American family disposable income is spent on paying debts, up from 65% in 1975. (Federal Reserve)
An $8,000 debt, at a rate of 18% interest, will take over 25 years to pay off and cost more than $24,000 in the long run. [1]
One of the things I am most grateful for this year is getting out of debt (see my December 21 post). It was very anxiety provoking for me to go to the mailbox and hold my breath while I opened my bills and wondered if the payment I sent arrived in time. The spiral effect of sending in a late payment escalating the interest rates on my other debts including my mortgage(s) loomed heavily in my mind.
What worked for me was 1) faith in God, praying, 2) thanking God for what I did have (food, health, shelter, family and friends), 3) tithing (yes, giving 10% to the church, even when I didn’t have enough to pay all my bills), 4) giving an offering, 5) paying my bills even if it was the minimum amount and 6) working at whatever opportunity that came my way.
I know many individuals lack the discipline to persevere when it seems like all hope is gone. It is difficult to pay your bills when friends are buying every new gadget that comes on the market and you sometimes feel you are not a good parent if you don’t buy your child that expensive toy that every kid wants. But, look at the statistics above. Would you rather disappoint your child or yourself now or later when you tell them you have to move because your house is facing foreclosure? What legacy will you then leave for your children?
For those who don’t have the discipline, I would recommend that you contact CCCS. It is a nationwide nonprofit service that offers free and confidential budget, credit, and housing counseling plus debt repayment plans. They have been in business since 1964 helping people pay their bills.
CCCS professional counselors offer individual, confidential advice for developing budgets, managing money, using credit wisely and building a savings plan. Their advisors will review your current situation and collaborate with you to determine the best possible financial strategies, offering solutions to your current financial problems as well as personalized plans for preventing financial pitfalls in the years to come.
For individuals and families who are overextended, CCCS offers assistance through its Debt Management Plan (DMP). The DMP is a systematic way to pay down your outstanding debt through monthly deposits to CCCS, which in turn distributes these funds to your creditors. CCCS works with clients and creditors alike to design a debt repayment program that will minimize monthly payments, interest and related fees, providing a manageable, tailored plan for each of its clients.
By participating in this program, you may benefit from reduced or waived finance charges and fewer collection calls, and when you have completed your payments, we'll help you reestablish your credit. Ultimately, DMPs serve the dual purpose of helping you repay debts and helping your creditors receive the money owed them.
This service, which is available in English or Spanish, will help you develop and manage your own plan so that you can do more with what you have. Call toll-free for a free budget counseling session today at 1-800-251-CCCS (2227). If you want our help in stopping collector calls and dropping interest rates, if you want peace of mind knowing that you have a plan to get out of debt, call CCCS or start an online counseling session immediately at http://www.cccsatl.org/.
Let’s start the New Year off right and become the Winner at life you were designed to be.
Stay Blessed!
Joyce
.
[1] http://creditcounselingbiz.com/credit_counseling_statistics.htm
Tuesday, December 25, 2007
A Message From Shirley Caesar and C. Joyce Farrar-Rosemon
Merry Christmas to all!
This song and video exemplifies what Christmas means to me. The greatest gift we can receive at any time during our lifetime is the gift God gave to us through his Son, Jesus- the gift of forgiveness, redemption, health, wholeness, peace of mind and life eternal. All at no charge! By Jesus’ stripes we are already healed and no weapon formed against us will prosper! Click, listen and enjoy. You can be a Winner at life!
Stay Blessed!
Joyce
By codewit-(youtube.com)
This song and video exemplifies what Christmas means to me. The greatest gift we can receive at any time during our lifetime is the gift God gave to us through his Son, Jesus- the gift of forgiveness, redemption, health, wholeness, peace of mind and life eternal. All at no charge! By Jesus’ stripes we are already healed and no weapon formed against us will prosper! Click, listen and enjoy. You can be a Winner at life!
Stay Blessed!
Joyce
By codewit-(youtube.com)
Monday, December 24, 2007
What's Wrong With Saying Merry Christmas?
When I was growing up one of the holidays I looked forward to was Christmas. Maybe it had to do with the fact that I grew up in Boston and Northerners are said to be as cold as ice. But during the Christmas season, this holiday melted many a personality and it seemed everywhere you went people greeted and wished you a “Merry Christmas.”
During the late ‘60s there emerged a political correctness era, but even then if you wished someone a “Merry Christmas” who was not a Christian, they were not offended and you apologetically responded back with a Happy Hanukah, Happy Kwaanza or Happy Holiday greeting.
As the world becomes smaller and smaller, we must stay true to our identity like the three Hebrew boys, but also see the common denominator in all religions and cultural celebrations. If we look at the major religious belief systems, the common denominator is - God is love. Let us focus on what binds us as opposed to what separates and divides us. Let’s finds ways to heal the broken hearted, feed the hungry, and protect the environment.
As we close out this year I want to wish everyone a Happy Hanukah, Merry Christmas, Happy Kwaanza or Happy Holiday greeting. You can be a Winner at Life!
Stay Blessed!
Joyce
Friday, December 21, 2007
In A Time Of Famine God Delivered Me From My Fiery Furnace!
Shadrach, Meshach and Abednego are not the only individuals that have gone through fiery situations and have come out unscathed. This year during a severe real estate famine my husband and I sold a property for more than four times what we paid for it. With the sale of the property all of our debts have been paid off, except for good debt on properties that are appreciating in value while we write off the mortgage interest.
Now that God has removed the burden of debt (which was a form of economic slavery) from my shoulders, I am free to mentor others. This website is one way I want to empower others to release their emotional, financial, spiritual and physical shackles.
Shadrach, Meshach and Abednego used the power of prayer and diet to overcome their oppressive situations. My support came as well from diet, exercise, prayer and the efficacious teachings of Pastor Dale C. Bronner of Word of Faith Family Cathedral in Atlanta, Georgia.
During this Holiday Season I personally invite you to come out and hear and experience a prophet that has a message of hope and empowerment to set you free from whatever spiritual, financial, emotional or physical burdens that bind you. If you live outside of the Atlanta area, you can go online at http://www.dalebronner.com/ and hear and download these inspirational messages.
But for the best deal, come out and experience in person the synergy and joy that flows through this place. It’s well worth the trip. I guarantee that you will never be the same and that you can be a Winner at life!
Stay Blessed!
Joyce
Now that God has removed the burden of debt (which was a form of economic slavery) from my shoulders, I am free to mentor others. This website is one way I want to empower others to release their emotional, financial, spiritual and physical shackles.
Shadrach, Meshach and Abednego used the power of prayer and diet to overcome their oppressive situations. My support came as well from diet, exercise, prayer and the efficacious teachings of Pastor Dale C. Bronner of Word of Faith Family Cathedral in Atlanta, Georgia.
During this Holiday Season I personally invite you to come out and hear and experience a prophet that has a message of hope and empowerment to set you free from whatever spiritual, financial, emotional or physical burdens that bind you. If you live outside of the Atlanta area, you can go online at http://www.dalebronner.com/ and hear and download these inspirational messages.
But for the best deal, come out and experience in person the synergy and joy that flows through this place. It’s well worth the trip. I guarantee that you will never be the same and that you can be a Winner at life!
Stay Blessed!
Joyce
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