Your Vote Matters

img_0791As our nation continues on what appears to be a free-fall descent into lawlessness, there’s only one viable solution: Pray & Commit to Vote. And, as Christ followers, we know the first step to seeing our land healed starts with us, the Body osf Christ.

1c7ea583-3258-4bee-afdf-253d9162253a-308-00000035f5d4600d_tmpLET’S GET STARTED: Please commit to pray with us daily throughout the month of October. You can follow along with us when you download our complimentary guide. Each day helps you get started by focusing on a different topic or need in our culture. And should a friend, family member or neighbor share their concerns with you about this election, why not invite them to join you in intervening on the nation’s behalf? Who knows how God might choose to use you — and them — to make Himself known!

Download this Free PRAYER Guide and commit to Vote download from Focus on the Family.

“Ask, and it will be given to you; seek, and you will find; knock, and it will be opened to you. For everyone who asks receives, and the one who seeks finds, and to the one who knocks it will be opened.” — Matthew 7:7-8 ESV

When Roles Reverse

15 years of being a caregiver of his parents have changed Jim’s life. Now He’d like to return the favor.

Pinecrest Retirement Community hos Jim Comer author of a “When Roles Reverse: A Guide to Parenting your Parents.” It;s today at 10:30 a.m. or 6 p.m. at the Pinecrest Auditorium. Pinecrest is at 1302 Tom Temple Drive, Lufkin Texas.

In 1996, Jim;s life took a sudden detour when he was forced to care for his elderly parents. He had to move from California and uproot from his career and life.

The answers to what happens if you are forced to uproot your life to care for your parent(s). (936) 634-1054

Burdens, Elect Someone,Sugar Hyper Kids Not, Insurance Tips Homeowners

Power Thoughts

  1. “Have patience with all things, but chiefly have patience with yourself.” Unknown
  2. “As every thread of gold is valuable, so is every moment of time.” Unknown
  3. “Despair will only keep you stuck where you are. Choose to exchange it for a good dose of inspiration.”  ” Unknown

Burdens: If the burdens you’re carrying are feeling too heavy, consider if you’re burdened by what God has asked of you, or by what you’ve asked of yourself. Be reminded which is truly paramount. (thedailyverse.com)

“Take my yoke upon you, and learn from me, for I am gentle and lowly in heart, and you will find rest for your souls. For my yoke is easy, and my burden is light.” ~Matthew 11:29,30

Elect Someone: For Elections and Voter Information:

True or False: Eating Sugar Tends to Make Children Hyperactive. Is that can of soda causing your kids to bounce off the walls? You’re probably thinking, “Of course! They’re on a sugar high!” Parents and teachers often claim that eating sugar causes hyperactivity and behavior problems in children. However, numerous scientific studies have examined this claim, and none have found a connection between sugar or artificial sweeteners and hyperactivity. (healthlibrary)

Evidence for the Health Claim – The idea that food can impact behavior was first introduced in 1973 by allergist Benjamin Feingold. Since then, studies have found that parents who expect sugar to affect their children are more likely to perceive their children as hyperactive after eating sugar or drinking sugary drinks than a nonbiased observer would.

Evidence Against the Health Claim – A number of researchers have investigated the “sugar hypothesis.” For example, Wolraich and colleagues put children aged 3-10 on three different diets for three consecutive three-week periods. The children were either preschoolers, or grade school children. The children were given either one diet high in sucrose, one high in an artificial sweetener, and one high in saccharin (a sweet substance that has no effect on behavior) during each three-week period. The children, parents, and researchers did not know which diet the children were on…

Observations of behavioral and cognitive performance factors found that there were no significant differences between the three diets for the “sugar sensitive” children.  There is no evidence that consuming sugar or aspartame can make a child with a normal attention span hyperactive. Although sugar does make energy available to the body, it does not increase excitement or activity.

Six Insurance Tips For Homeowners: Smart ways to lower your premiums. Homeowners’ insurance isn’t a luxury, it’s a necessity. In fact, most mortgage companies won’t make a loan or finance a residential real estate transaction unless the buyer provides proof of coverage for the full or fair value of the property (usually equal to the purchase price). In this article, we’ll show you some simple actions you can take to make sure your homeowners’ insurance is sufficient for your needs. Homeowners’ insurance can be very expensive.  In fact, those in high-risk areas are often forced to pay annual premiums in the many thousands of dollars. But even homeowners in relatively sedate, suburban neighborhoods could pay between $500 and $1,000 a year for a basic policy.  The good news is that although you can’t (and shouldn’t) avoid purchasing homeowners’ insurance, there are ways to minimize the cost. (Forbes)

Here are six ways to make sure you get the right coverage and consequent compensation for your home:

  1. Maintain a Security System and Smoke Alarms – A burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner’s annual premiums, perhaps by 5% or more. In order to obtain the discount, the homeowner must typically provide proof of central monitoring. Smoke alarms are another biggie. While they are standard in most modern houses, installing them in older homes can save the homeowner 10% or more in annual premiums. Of course, even more importantly, they could save your life!
  2. Raise Your Deductible –Like health insurance or car insurance, the higher the deductible the homeowner chooses, the lower the annual premium. However, the problem with selecting a high deductible is that smaller claims/problems such as broken windows or damaged drywall from a leaky pipe, which typically will cost only a few hundred dollars to fix, will most likely be absorbed by the homeowner.
  3. Look for Multiple-Policy Discounts –Many insurance companies give a discount of 10% or more to their customers that maintain other insurance contracts with the company (such as auto or health insurance). Consider obtaining a quote for other types of insurance from the same company. Several insurance companies -offer two-policy discounts.
  4. Plan Ahead for Construction –If the homeowner plans to build an addition to the home or another structure adjacent to the home, he or she should consider… 1. the materials that will be used. Wood-framed structures (because they are highly flammable) will cost more to insure. Cement or steel-framed structures will cost less because they are less likely to be damaged or destroyed. 2. a swimming pool. Pools and other potentially injurious devices (like trampolines) can drive annual homeowners’ insurance costs up by 10% or more.
  5. Pay Off Your Mortgage –Obviously this is easier said than done, but homeowners that pay off their mortgage debts will most likely see their premiums drop. Why? It’s simple: The insurance company figures if you own your home outright, you’ll take better care of it.
  6. Make Regular Policy Reviews and Comparisons –Investors should, at least once per year, compare the costs of other insurance policies with their own. In addition, they should review their existing policies and make note of any changes that might have occurred that could lower their premiums. Example, perhaps the homeowner has disassembled the trampoline, paid off the mortgage and installed a burglar alarm or a sophisticated sprinkler system inside his or her home. Simply notifying the insurance company of  the change(s) and providing proof could significantly lower insurance premiums. Look for changes in the neighborhood that could reduce rates as well. Example, the installation of a fire hydrant within 100 feet of the home. may lower the homeowner’s annual premiums.

Spend Today’s Energy How? World Pastor’s Day, Preparing Your Child

Power Thoughts

  • “If God had a wallet, your photo would be in it.” Unknown
  • “God sends you a sunrise every morning face it, friend – He is crazy about you!” Unknown
  • “God didn’t promise days without pain, laughter without sorrow, sun without rain, but He did promise strength for the day, comfort for the tears, and light for the way.” Unknown

Remember Voting Continues: Vote Early. Would you hire an employee without first looking at their resume? Of course not. So why would you vote for a candidate without first knowing where they stand on the issues? Voters Guide here.

To what will you devote your energy today?

Have you ever contemplated where you invest your energy?  Every minute focused on your misery is a moment you waste moving towards a solution. Every minute you are focused on what you think you can’t do is a moment you could be attempting to do it.  If all you can see is how you have been hurt, how much youlack, how angry you are then you leave no room or energy for healing, provision, healing and love!

Today: World Pastor’s Day (CBN)

Through the World Pastors Day, Believers are encouraged to become aware of their church leaders as examples of sacrifice and a commitment to selfless lifestyles. They are also encouraged to pray for them, to share with them their experience as servants as well as spiritual leaders who carry the burden of their communities each and every day. This can be done by just remembering your pastor in your family prayers, just spending time with your local pastor, spoil your man or woman of God in any way, play with their kids, clean the manse, prepare meals, call and chat with them appreciating their work, anything that one feels like doing no matter how small, it will make a huge impact.

The Future Are Your Kids Prepared: 4 Ways to Teach Your Kids Financial Responsibility (Yahoo/USNews)

While the causes of the financial crisis our nation has suffered will continue to be debated for decades to come, one thing is clear: A major contributing factor to the crisis came about from a breakdown in individuals’ debt and spending habits. The key takeaway for people who would like to create long-term financial health for their families: It is incumbent on each of us to impart the very basics of disciplined personal finance to each member of the next generation. Teaching kids how to manage money is one of the biggest challenges facing parents today. If you can teach your child the difference between wants and needs, how to save, how to create and adhere to a budget, and how one’s personal financial discretion can have a positive impact on the broader community, chances are that your child will know more than most adults.

Here are the top four ways to impart lessons on personal finance and financial responsibility to your kids:

  1. Educational board games. It’s been proven time and time again that the more fun we make learning for kids–while involving ourselves deeply in the process–the better they retain the lesson. To this end, there are a number of board games on the market today that teach children how to invest prudently in order to get a health return later. My all-time favorite is Monopoly. Set up a once-a-week “family game night” when everybody shuts off their cell phones and spends some quality time together. You might even find that your kids or grand-kids can teach you a thing or two.
  2. Creative solutions for kids’ “wants.” This past summer, my son began taking surfing lessons and was hooked from the start. I knew what was coming next: “Dad, can you buy me a hundred-dollar surfboard?” My response: “Son, if the surfboard is going to cost a hundred bucks, what creative ways can you come up with to earn the $50, so that your mother and I will be able to match the remaining $50 you’ll need to make this happen?” We had a family meeting that night while all three of our children came up with their own ideas to making the money for the surfboard: Setting up a lemonade stand, raking leaves in the neighborhood, offering to wash cars, etc. After two months of doing odd jobs and scrimping, our son saved the $50 he needed for his surfboard. We gladly contributed the matching amount necessary, and we feel that we arrived at a much better solution and life lesson than if I had simply gone out and bought it for him. Let’s teach our children to work for at least part of what they want, even if we can afford to buy the whole thing for them.
  3. Watch the news with your kids. Ask a child where money comes from and too often they will respond, “From Daddy and Mommy.” Watching the nightly financial and economic news with your children at least once a week is a great way to educate them about personal finance and where money comes from. During the show, it is useful to have open discussions to toss around opinions on how they perceive what they are learning. This helps them understand how they and their families fit into the broader scheme of things, while making them feel more comfortable about coming to you as parents with some of their own concerns. You can then take what they have watched and relate it back to your family finances and how some of these events have positively or negatively impacted the family.
  4. Giving to charity. While teaching personal financial responsibility and the basics of where money comes from is key, it is equally important to teach the next generation about the obligations we each have to give back to society and the communities in which we live. Keep it simple and let them choose their own charities to either get involved in or just to make donations. If the child has a passion connected to a particular cause, they will be more apt to stick with it and have some fun along way. With the holidays approaching, one great way is to help out as a family at a local soup kitchen, which will allow your kids to see the faces of those that are directly impacted by their efforts.