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Friday, January 29, 2010

How do I keep my focus on that which is lasting and most important?

It is hard for us, when we are studying for an exam, changing the baby's diaper or closing a business deal, to give much thought to eternity. Most of the time, our focus is on doing the next thing -- that which is right before us.
But King Solomon, to whom God gave great wisdom, said, "[God] has also set eternity in the hearts of men" (Ecclesiastes 3:11NIV). That is why, even in the press of the daily round, something deep within us calls out to understand the eternal -- that which is lasting and most important. (This yearning, by the way, is evident in the search questions that have prompted people to read this study, such as "What is there after this life?")
Our window into the eternal dimension is through the Bible. (By the way, I would question any source, other than the Bible, that says it knows what eternity is like, or what the future holds.) Jesus described eternal life this way: "And this is eternal life, that they may know You, the only true God, and Jesus Christ whom You have sent" (John 17:3).
The scriptures assert that the promise of eternity is as certain as the reality of this life. When Jesus said, "God so loved the world that He gave His one and only Son, that whoever believes in Him shall not perish but have eternal life" (John 3:16 NIV), He was affirming a direct and immutable link between believing and eternity. When we give ourselves to Jesus, He joyfully and emphatically opens the way for us to be with Him forever. Eternity profoundly impacts our lives here on earth and on into the next life -- life after death.
Our intimate and timeless unity with our Lord and our God is so wonderful, it infinitely overwhelms any price that is paid or any suffering that is endured in this life -- even life itself! Eternity, including the next life, is what we were designed for, a truth the Apostle Paul embraced:
[He has] raised us up together, and made us sit together in the heavenly places in Christ Jesus, that in the ages to come He might show the exceeding riches of His grace in His kindness towards us in Christ Jesus (Ephesians 2:6,7).
For our citizenship is in heaven, from which we also eagerly wait for the Savior, the Lord Jesus Christ, who will transform our lowly body that it may be conformed to His glorious body (Philippians 3:20,21).
If you have such a perspective -- an eternal perspective -- it will be your mainspring of true hope, giving you the stamina to persevere, whatever the trial. Paul said: " ... tribulation produces perseverance; and perseverance, character; and character, hope" (Romans 5: 3,4).
However rewarding or challenging your day-to-day life is, by comparison to God's eternal purpose for us, it is but a moment, a vapor. Thank God that His plan for you is so much larger, so much more extraordinary than you can ever possibly imagine. He has, indeed, set eternity in your heart and will take infinite care that your deepest longings will be eternally fulfilled.

Is my future safe in His hands?

As we grow in our relationship with the Lord we find we can trust Him for more and more. When Wendy and I were beginning our family, we spent long hours talking about what kind of world our children would encounter. (Probably every generation has had such concerns.) While we still wonder where this troubled world is headed, our confidence has grown that the future is safely in God's hands. More than just trusting Him in whatever happens, we trust Him for whatever happens.
Undergirding this trust is an understanding that history is not just mankind's story. It's the Lord's story (His-story!). It has a beginning and an end. It is not circular, as some religions contend, but linear. Three major markers define the trajectory of man's journey.
Creation. The Bible's opening phrase is, "In the beginning" (Genesis 1:1) and Jesus was present: "He was in the beginning with God" (John 1:2). From that point, history unfolds systematically and progressively.
Redemption and Restoration. The birth, death and resurrection of Jesus became the fulfillment of God's plan for a restored relationship with His creation -- and the fulcrum upon which all world events turn.
Consummation. History will culminate in what Paul calls the "consummation," or "summing up," when God will "gather together in one all things in Christ, both which are in heaven and which are on earth -- in Him" (Ephesians 1:10).
We are now in that period leading up to the consummation. The times ahead will likely witness increasing challenge and difficulty throughout the earth, but we can rest securely in the confidence that God is firmly and fully in control.
So where do we fit in? From our limited perspective, day-to-day events may seem random and detached from each other, like individual threads on the underside of a tapestry. But from God's perspective, nothing is random. He views the tapestry from above and sees an exquisite pattern. Each person and each event has a purpose, whether a birth, a death, an election result, a military defeat or a technological breakthrough (like the computer you are using right now).
How future events will transpire, we simply don't know. But God knows -- and again, we can trust Him implicitly. Not that we should have a passive, "come-what-may" attitude -- but rather the opposite. As Jesus directed, we are to be watchful, very attentive, especially as the end draws near (see Matthew 24:42).
One of my favorite scriptures defines the rules of engagement and the focus of our affections as we walk through the present toward the future:
Therefore we also, since we are surrounded by so great a cloud of witnesses, let us lay aside every weight, and the sin which so easily ensnares us, and let us run with endurance the race that is set before us, looking unto Jesus, the author and finisher of our faith, who for the joy that was set before Him endured the cross, despising the shame, and has sat down at the right hand of the throne of God (Hebrews 12:1,2).
Just imagine -- pioneers of the faith watching you as you run the race! How timely is the advice that you shed all that weighs you down and keep your eyes firmly fixed on Jesus, the One who has already won the victory.
Memorize these verses from Hebrews and let them be your daily inspiration. Come what may, be certain that the Lord, who was there at the beginning, who has been present throughout, will write the last glorious chapter.
Key Scripture
I am the Alpha and the Omega, the Beginning and the End (Revelation 21:6).
Key Thought
The essence of history is His Story. Because of His love and care for me, I’m part of that story.
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Why do I keep having these thoughts?

We need to be aware of a tenacious and destructive force at work in the life of the believer. It is called "temptation" -- the continuing effect and downward pull of our former life and habits. The end game of temptation is always the same, to keep us from a close walk with the Lord. Temptation is never fatal. But yielding to it can set us back and cause much discouragement.
Some mistakenly believe that Christians are immune to evil thoughts and behaviors -- that some kind of protective shield drops over us to keep us from being lured away. That may be a happy notion, but it's not reality. In fact, I have noticed that as a person moves ahead with the Lord, temptations often intensify. The believer is, after all, of great value to the Lord and therefore a target for our adversary, who hates anything God loves. Peter refers to us as "a chosen generation, a royal priesthood, a holy nation, His own special people" (1 Peter 2:9). Credentials like these increase Satan's obsession to pull us down and separate us from the Lord.
I find I have to guard myself diligently, especially in three areas of temptation identified by the Apostle John. He cautions, "All that is in the world -- the lust of the flesh, the lust of the eyes and the pride of life -- is not of the Father, but of the world" (1 John 2:16).
The lust of the flesh includes improper kinds of self-indulgence, especially in the sexual arena -- and that includes not only our actions but our thoughts as well.
The lust of the eyes refers to all that we illicitly crave -- and which, by the way, does little to satisfy should we attain it.
The pride of life is perhaps the most insidious -- producing in us self-promotion, selfish ambition, and advancement at the expense of others. Ultimately the pride of life seeks to make us like God -- the very cause of Satan's fall from heaven.
No matter how much we battle temptation, we can thank the Lord that He is our way to victory. He is uniquely qualified, for He, the God/man, successfully overcame all that tempted Him and is able to help us as we're tempted: "For in that He Himself has suffered, being tempted, He is able to aid those who are tempted" (Hebrews 2:18). Peter echoes this assurance: "The Lord knows how to deliver the godly out of temptations" (2 Peter 2:9). Paul adds: "No temptation has overtaken you except such as is common to man; but God is faithful, who will not allow you to be tempted beyond what you are able, but with the temptation will also make the way of escape" (1 Corinthians 10:13).
AN EXAMPLE
Let's look at how temptation might arise in your life and how you can respond. Suppose you are traveling and have booked into a hotel. You are tired at the end of a long day and you turn on the TV to relax. As you are channel surfing, you land on a station that portrays blatant nudity (or something else you know is inappropriate). You linger there, and before long you are absorbed in what you are watching. You think, "No one's around. What could it matter?" But the next morning you feel dirty. Images play across your mind. You can't shake them. You find it hard to pray. God seems more distant.
How might this confrontation against your mind and spirit be dealt with at various points? Prevention: To avoid randomly landing on a tainted channel, prescreen the channels using the directory found in most rooms. Or decide you have better things to do, and don't turn on the TV at all. Protection: If you land on a channel with questionable programming, call out to the Lord immediately. Ask Him to help you. If you know what you're watching is offensive to Him, click out of it and don't go back. Ask Him to wash away any of the lingering images. Repentance and Restoration: If you do get dragged in and are facing the "morning after," talk with the Lord openly and honestly, no matter how much you don't "feel" like it. Confess that wrong you've done, ask for forgiveness and receive His restoring love. Learn the lesson and don't repeat it.

How do I talk with my Father in heaven?

It is a wonderful privilege that we can talk with the Lord of all heaven and earth at any time of the day or night. And we can discuss any subject with Him. We don't need to use formal written prayers -- although if these are more comfortable for us, that's all right.
One day Jesus' disciples asked Him a key question: "Can You teach us how to pray?" They had observed how much time Jesus spent quietly talking with His heavenly Father. The prayer He suggested is a model for us:
Our Father in heaven, hallowed be (holy is) Your name. Your kingdom come. Your will be done on earth as it is in heaven. Give us this day our daily bread, and forgive us our debts as we forgive our debtors. And do not lead us into temptation, but deliver us from the evil one. For Yours is the kingdom and the power and the glory forever. Amen (Matthew 6:9-13).
This prayer is so helpful because it reverently establishes our focus on our heavenly Father, petitions His intervention in earthly matters, brings before Him our needs for provision, forgiveness and protection, and ends by glorifying Him and His great power.
Just as the psalms of David are great for worship, they are also helpful examples of how we can talk with our heavenly Father. He loves for us to simply come to Him, just as an earthly father delights in his children sitting on his knee, sharing whatever is on their minds.
Many of the psalms are cries to the Lord for help in times of trouble. Psalms 17, 28, 61, 64, 70 and 86 are all examples of David's calling out to the Lord to hear and protect him from his enemies. Sometimes it's clear by the end of the psalm that David knows by faith that the Lord has heard his cry for help.
Here is the key: Talk to Jesus as your best Friend. Begin by thanking and praising Him for His great love for you. Then tell Him your concerns. You can tell Him anything and everything. He already knows so don't worry about shocking Him.
When you know you have disappointed Him, instead of distancing yourself, come immediately to Him and ask for forgiveness. Then take His hand and go on with Him. In prayer you can experience the joy of His comforting arms around you. In response to your prayers, He will forgive, encourage, strengthen and bring clarity to problems. And He will give you His amazing peace.
One of the hardest lessons is learning to listen. You will probably find it difficult to quiet your distracting thoughts enough to hear God's voice. A good way to begin hearing Him speak is through daily reading of the scriptures. It is an excellent way to listen -- and often the result is unexpected answers to some of your questions.
When you have found others who also believe in Jesus, join with them to pray. Hearing others express their hearts to the Lord is a great catalyst to the growth of your own faith. You will soon find yourself looking forward to those times together.
Most important of all, remember that prayer is continual conversation with the One you are learning to love and trust. Just looking up into the sky and smiling at Him or giving your own hand a squeeze -- as if holding the Lord's hand -- can bring you right back into the closeness you need with Him at that moment.
Key Scripture
Be anxious for nothing, but in everything by prayer ... with thanksgiving, let your requests be made known to God (Philippians 4:6).
Key Thought
Prayer is conversation with our precious Lord.
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Why is it so important for me to praise and worship Jesus?

When believers in Jesus praise and sing to Him, is it because God, the King of the universe, needs human beings to worship Him? Not really, although we can be sure God delights in our worship.
Actually, what I find is that praise and worship are vitally important to my relationship to Him. Worship enables me to lift my thoughts from myself to my Savior, Friend and Lord, and into a whole new realm. It shifts my focus from my circumstances to His plans.
When we meditate on His goodness, His amazing love, His sacrificial death for us, and His great power in our lives our natural response is to praise and worship Him. Thankfulness spontaneously wells up within us.
David was a great worshiper who became Israel's most outstanding king. The account of his life is found in Old Testament books of First and Second Samuel. From his earliest years we see his heart for worship. As a young shepherd boy, watching his father's flock on the hills surrounding Bethlehem, David expressed his love and gratitude to the Lord. He sang about the beauty of God's creation. He prayed to God when he was in danger. And when the Lord answered and protected him, David expressed thanksgiving and praise through songs and poetry.
The Psalms, many of which were written by David, give us the rich legacy of his worship and deep love for God.
The Lord is my shepherd; I shall not want [lack anything] (Psalm 23:1)
The Lord is my light and my salvation; whom shall I fear? (27:1)
Give unto the Lord the glory due to His name; worship the Lord in the beauty of holiness (29:2)
Great is the Lord and greatly to be praised (48:1)
Bless the Lord, O my soul; and all that is within me, bless His holy name! (103:1)
Oh, give thanks to the Lord, for He is good! For His mercy endures forever (107:1)
Here is an approach to worship, based on my experience, which you may find helpful. Early in the morning and before going to sleep at night express your love to the Lord. "Father, I greet you this morning, and thank You for this new day." "Lord, it's been quite a day, but I thank You for Your faithfulness."
As you go about your daily activities be conscious to thank Him, praising Him for Who He is and telling Him you love Him. (Of course, some days you feel more like doing this than others.) Realize that you are on a journey. The more you praise Him throughout the day, the more you will sense His joy and the more you will see things from His perspective. Your daily life will take on a whole new meaning.
Key Scripture
Praise the Lord! For it is good to sing praises to our God (Psalm 147:1).
Key Thought
Nothing brings me closer to the Lord than thanking, praising and worshiping Him.

Wednesday, January 27, 2010

What does it mean to renew my mind?

Our scripture on Day 1 described the extent of change in our new life in Christ:
If anyone is in Christ, he is a new creation; old things have passed away; behold all things have become new (2 Corinthians 5:17).
"All things" includes our minds. The Lord has plans to renew our minds, along with everything else!
You may say, "I have a perfectly good mind. It has been well trained and highly educated. I can reason, and think clearly. I'm not in a fog. My mind serves me well in my work. I've even received awards for creative thinking ... "
Here's the problem: Our minds were deeply impacted when mankind initially rebelled against God. This happened when Adam and Eve yielded to Satan's temptation to sin, resulting in the "Fall of Man" (see Genesis chapter 3). God's first children became thoroughly corrupted (including their minds) and we inherited their fallen condition.
Since then, we've used our best efforts, humanly speaking, to function with that which was damaged -- to compensate for what the Apostle Paul calls "a debased mind" (Romans 1:28). For example, consider how the Greeks sought to elevate the mind, as did the great Oriental thinkers, or philosophers down through the ages. Yet with all the prominence given to "thought" and "reason," they totally missed it when it came to apprehending the greatest truth ever, that there is one true God and He can be known personally.
Another example: Think about brilliant people you know -- "the smartest person in the world" -- and observe the large gaps, say in their ability to be good parents, or manage their finances, or maintain lasting friendships or use their time wisely. In spite of their great intelligence, vital aspects of an integrated life are missing. Before I became a Christian, I had concluded I wouldn't believe anything that wasn't reasonable or logical. Eventually, however, I realized that line of thinking was a barrier, not a doorway to receiving Christ. In reality, I needed a different way of thinking.
The Apostle Paul, who had a brilliant mind and was highly educated, challenged early followers of Christ (and us!) toward having "renewed minds."
And do not be conformed to this world, but be transformed by the renewing of your mind, that you may prove what is that good and acceptable and perfect will of God (Romans 12:2).
The Lord doesn't want you to set your mind aside when you come to Him. Just the opposite. He created your mind, and wants it fully employed, but in the right kind of way. The process by which this occurs is "renewal." It is not to stop thinking, but to think biblically. It is to view things from His perspective. It is to have "the mind of Christ," and not allow your thinking to be conformed to the world. "Let this mind be in you ... " was Paul's advice to the Philippian believers (Philippians 2:5). The results are dramatically different: "To be carnally minded is death, but to be spiritually minded is life and peace" (Romans 8:16).
A great way to begin the transformation toward a renewed mind is to meditate on the scriptures. You might take the ones mentioned so far in these studies, reflect on them, even memorize them. Renewing the mind is a process, but one with great reward.
Key Scripture
Whatever things are true, whatever things are noble, whatever things are just, whatever things are pure, whatever things are lovely, whatever things are of good report, if there is any virtue and if there is anything praiseworthy -- meditate on these things (Philippians 4:8).
Key Thought
In every circumstance and every situation, I can have the mind of Christ.
For more resources to help you grow as a Christian, you can go to

Friday, January 22, 2010

Who has God linked me with?

When people become followers of Jesus, their highest priority is to nurture their new relationship with the Lord. There can be no substitute for developing a personal one-to-One bond.
Even so, as we emphasized on Day 11, we aren't supposed to be isolated, but rather joined to other believers in a common pursuit to discover God and walk in His ways. It has been said that the two sections of the cross -- the vertical and the horizontal -- symbolically represent our dual relationship with God and with others. They intersect. They are not unrelated.Gatherings of believers -- or "churches" -- come in many packages -- from small clusters of those who gather secretly in regions where such practices are forbidden, to "mega-churches" of tens of thousands of Christians. Regardless of the configuration, it is vital for every believer to be linked with other believers. This linkage was the spontaneous response of those who came to faith on the day of Pentecost, and we need to understand how they functioned.And they continued steadfastly in the apostles' doctrine (or teaching) and fellowship, in the breaking of bread, and in prayers (Acts 2:42).Each of the four aspects of their assembling was catalytic to their growth individually and as a group: Teaching kept them centered on God's word, rooted in "sound doctrine." Fellowship kept them involved with one another in friendship, as well as praise, worship and testimonies to God's activity. Breaking bread kept them in touch by sharing meals with each other, giving opportunity for warm dialogue and growing friendship. These meals generally took place "house to house" (v. 46), and brought whole families, including children, together in a very natural setting. Prayers kept them focused as a group upon God's presence. As they offered prayers, petitions and intercession, they were able to hear His will for their lives. If only these same elements were always present in church life today!
As a new believer, you may or may not have an existing relationship with a church fellowship. Or, you may be in a church that falls far short of being the right place for you. Sadly, many churches seem spiritually dead. Some are making serious mistakes. But you can boldly ask God to bring you together with the individuals and groups He desires for you. He knows your needs, and knows with whom you ought to be connected.He may direct you into a format that is "unconventional." For many years our family met "from house to house" with several other families. Our children were enthusiastically involved, and the essential elements of the early church noted above were present. In many areas of the world, thousands of new churches are forming, growth is taking place and dynamic fellowship is occurring.Jesus is intent on this kind of growth. He said, "I will build My church, and the gates of Hades (Hell) shall not prevail against it" (Matthew 16:18). Jesus' church is not in retreat, not barely getting by, not just going through the motions. Jesus' church is healthy, vibrant and strategic. He wants you to be in such a church.
Key Scripture... not forsaking the assembling of ourselves together (Hebrews 10:25).Key ThoughtAs a new Christian, I need to be in healthy fellowship with others.Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

What work does God want me to do?

The true nature of God is wonderfully revealed in the life and words of Jesus. He said, "If you had known Me, you would have known My Father also" (John 14:7).In almost every other religious form or tradition, the "god" (or "gods") being worshiped is passive and abstract or merely a historical figure. In contrast, Jesus declared that the true God is alive, active and engaged. "My Father has been working until now, and I have been working" (John 5:17). God did not simply create the heavens and earth with an explosive burst of divine energy -- then back off to let creation run itself. He has remained intimately involved, infusing His sustaining power and influence in every location, every situation and every moment (see Colossians 1:17).This reality has huge implications for how we live out His purposes. If we miss the intensity of God's direct involvement, our tendency will be either to work independently of Him (secularism) or work for Him, as "little helpers." His concept is neither. It is to work with Him. Dr. Henry Blackaby, author of Experiencing God (an excellent resource!) puts it this way: "God is at work all around us all the time. Our job is to see where He is working and join Him." The Apostle Paul refers to us as "ambassadors" who are "workers together with Him" (2 Corinthians 5:20, 6:1).You need to grasp just how dramatic this is. The God of the universe is inviting you, indeed giving you the privilege, to join Him in His work. That's much different than your going off, doing your thing, and checking in with Him now and then. Instead, as His coworker, your "antenna" goes up and every sense is quickened, alert to His activity. Nothing is random, nor beyond His redemptive reach. For example:You see the sad face of a fellow employee who has lost a loved one, and you are able to pour out God's compassion and mercyYou have been helped by a new book and you purchase some to give to your friendsA traffic jam causes you to miss a flight and you discover God had a significant reason for you to not go when you'd intendedThink about your current situation -- as a student, or as you begin your work career or start a family. Maybe you're in the midst of a job change, or planning to retire. Where you are is no accident, nor is what you are doing at this time. But maybe you're like me -- you just need to adjust your focus from "what I am doing" to what God is doing, and how, specifically, you can join Him right now in His work.
Make this shift and a whole new world of adventure, joy, peace and spiritual impact will open to you.

Wednesday, January 20, 2010

How am I supposed to live the Christian life?

If we try to answer this question from a human perspective we will always gravitate toward a rules-orientation -- do this, don't do that -- implemented by self-will and human effort. This approach is destined to fail. It simply is not God's design.
The Apostle Peter said God has given us everything we need for life and godliness (see 2 Peter 1:3). The key to living the Christian life is to draw upon God's provision. One main way that provision comes is by the third person of the Trinity, the Holy Spirit. (The Trinity, or Godhead, includes the Father, Son and Holy Spirit, Three in One, One in Three.)
While the Holy Spirit was involved in God's work from the beginning of creation, He was imparted to Jesus' followers in a powerful way after our Lord's death and resurrection. Before Jesus ascended into heaven, He instructed his followers to wait for the Promise of the Father, saying, "You shall be baptized with the Holy Spirit not many days from now" (Acts 1:5).
This prompted them to recall earlier words of Jesus:
(The Father) will give you another Helper (Comforter) that He may abide with you forever (John 14:16)
The Helper, the Holy Spirit, whom the Father will send in My name, He will teach you all things, and bring to your remembrance all things that I have said to you (John 14:26)
It is to your advantage that I go away; for if I do not go away, the Helper will not come to you; but if I depart, I will send Him to you (John 16:7)
When He, the Spirit of truth, has come, He will guide you into all truth (John 16:13).
True to His word, the Father powerfully sent the Holy Spirit fifty days after Jesus ascended to heaven, on the day of the Jewish festival of Pentecost. This is recorded in the second chapter of the Acts of the Apostles. Here is how E. Stanley Jones, a missionary to India in the 1900s, describes the impact: "At Pentecost, timid believers were transformed into irresistible apostles."
The Holy Spirit is God's provision for you to successfully live the Christian life today. Some of His characteristics will help you know Him and discern His activity:
He works quietly, never intruding or demanding
He always points to and glorifies the Father and the Son, never drawing attention to Himself
He instructs you by speaking to your now-awakened human spirit (thoughts and impressions that are clearly beyond your normal processes)
He is always present, always able to be of help
He gently corrects, warns and adjusts (the requirement for you is to be very sensitive to detect his voice)
As you read the Bible, especially the New Testament, watch for the many and varied ways the Holy Spirit guided the activities of God's people. He wants to help us in such ways today.
Take a moment now to thank God for His wonderful provision. Open your heart, mind and spirit to the Helper, the Holy Spirit, and how He wants to be active in your life -- right now!
Key Scripture
He (the Holy Spirit) will guide you into all truth (John 16:13).
Key Thought
I am not on my own. God has made full provision for me as I walk with Him.
Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

How do I relate properly to others?

Just as God created us to be in close fellowship with Himself, He designed us to be tightly related to others. In that order! Our tendency is to focus on human relationships -- friends, family, co-workers, neighbors -- and make God an afterthought.
In the lesson on Day 6 we saw that loving God is our highest priority -- "the first and great commandment," according to Jesus (Matthew 22:38). Then He added, "And the second is like it: You shall love your neighbor as yourself" (v. 39). These two are closely bound. It is really out of our relationship with God that we develop the capacity to love others. Oswald Chambers puts it this way: "God's love to me is inexhaustible, and I must love others from the bedrock of God's love to me" (May 11).
You may have come into your relationship with Christ from a place of complete isolation from other people of faith. This seems to be a common trait among those who are searching the Internet. Or, you may have made this step after being around other Christians, seeing their lives and hearing how Christ has changed them.
In any case, God's intention is to link you with other believers, groups of fellow Christians who constitute what is known as the "church." Keep in mind the church is not a building, nor a denomination. In most cases it is a local gathering of those who are "born again." A term Paul uses to describe such a network of believers is "the body." See how members of "the body" are interdependent on each other:
For in fact the body is not one member but many. If the foot should say, "Because I am not a hand, I am not of the body," is it therefore not of the body? And if the ear should say, "Because I am not an eye, I am not of the body," is it therefore not of the body? If the whole body were an eye, where would be the hearing? If the whole were hearing, where would be the smelling? But now God has set the members, each one of them, in the body just as He pleased (1 Corinthians 12:14,18).
God's design is for you to be linked together with others. The 17th century English poet, John Donne (1572-1631), captured this reality in his famous meditation when he said, "No man is an island, entire of itself ... " You have a unique role to fill. It shouldn't surprise you that the Great Designer would not leave your earthly relationships to chance. So you can put the whole matter of your relationships with others before Him, asking Him to bring you in contact with those of His choosing.
Does this include your mate in life? I believe so. For example, God brought my wife Wendy and me together nearly 50 years ago, and I have no doubt this was His wise choice. Our six children were not just biological happenings, but God's carefully designed gifts whom He called us to raise. That conviction has helped carry us through the many challenges we have faced as parents.
Your newfound faith will impact every relationship. As noted earlier, some will want to grow spiritually along with you. Others will back away. Still others who come into your life through Christian fellowship will become your closest friends. "You shall love your neighbor as yourself" is a privilege and responsibility that comes directly from God's heart.
Key Scripture
Abound in love to one another (1 Thessalonians 3:11).
Key Thought I am incomplete in myself. I need other people and they need me.
Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

Why the change?

Bye-bye MyView Dollars. Hello MyView Points (MVPs).You Spoke, We Listened … our new rewards program will no longer be based on MyView Dollars. Not only did we make the MyView Rewards Program easier to use, we also increased how quickly you can get paid and even are allowing you to earn rewards in other ways. So, out with the old, and in with the new!Starting in December 28, 2010, we will be converting to MVPs and our new, improved rewards program.
How will this affect my available MyView Dollars?Never fear, your current MyView Dollars will retain the same value when converted to MyView Points. Our new rewards program was designed specifically to benefit you. We are excited about the upcoming changes and we want you to be excited as well!
What will the new MyView Rewards Program be like?Just for Trying RewardsWhile we try our best to invite you to studies that you are well suited for, we understand you will not qualify for every survey. Your time is valuable, and we think you should be rewarded for your effort. So, you will now be rewarded with MyView Points (MVPs) when you provide coherent and truthful responses to all initial screening questions. When you qualify and complete the survey, you’ll earn additional MVPs.Points will be credited immediatelyTired of having to wait for your points to be approved? You earned the points and you deserve to get them right away. Points will now be immediately credited to your MyRewards account. There could be an occasional delay if we have a technical issue but we’ll work out the kinks quickly if so – our goal is for this to be immediate every day and for every point!No more PayPal TMYou told us that you are not happy with PayPal, so we’re making the shift to Prepaid Visa Cards. You will be issued a Virtual Prepaid Visa Card that is sent via email and valid for online purchases. If after receiving the Virtual Prepaid Visa Card, you would like to receive a Physical Prepaid Visa Card, just follow the directions included in the email and it will be sent via mail. Please allow an additional 5 -7 days for your Physical Prepaid Visa Card to be processed. Have the freedom to buy what you want, when you want, everywhere Visa is accepted.Receive your Rewards SoonerOur new reward options allow for a much faster processing time. You can receive your Virtual Prepaid Visa Card in 2 to 3 business days.Coming Soon!Starting January 2010 you will start receiving your rewards through Prepaid Visa Cards. Our goal, however, is to add even more reward options throughout the year, perhaps including charity donations, gift cards, subscriptions to services, points for your virtual games, etc. Stay tuned as we finalize and add these new exciting reward options.
Will I be able to request rewards at any moment during the transition period?From December 28, 2009 through January 3, 2010, we will transition to the new MyView Rewards Program. During that time you will not be able to request or claim rewards. Don’t worry; you will still be able to earn MyView Points (MVPs) during that time. All information will remain safe and be available for viewing at any time.Through December 27, 2009, you will continue to earn MyView Dollars and will be able to redeem them via PayPal (see below). Beginning December 28, 2009, you will begin to earn MyView Points (MVPs). At that time, you will be able to see a history of all reward transactions that occurred prior to December 1, 2009, by viewing the Rewards Summary. These totals will now be shown in MVPs. During the week of December 28, 2009, we will complete the transfer of your MyView Dollars, earned between December 1 and December 27, 2009, to MVPs, and we will then update your Rewards Summary to reflect this.** Remember, if you prefer to redeem your current rewards before the changes are made, and you have 25 or more in MyView Dollars, you may do so on or before December 27, 2009. Your rewards will be paid out via PayPal according to our current terms and conditions. However, starting January 4, 2010 all requested rewards will be issued according to our new MyView Rewards Program, starting with a Virtual Prepaid Visa Card.
What are the benefits of a Prepaid Visa Card?You can use the Virtual Prepaid Visa Card for your online purchases, or if you wish, you can request a Physical Prepaid Visa for purchases on location. These cards can be used everywhere Visa is accepted, and offer you the benefit of a fast, easy reward pay out.
What if I am a member not located in the USA; will I be able to use the Prepaid Visa Card?Yes! Our Virtual Prepaid Visa Card option was created with you in mind. Virtual Prepaid Visa Cards get delivered straight to your inbox within 2 to 3 business days, and can be used outside the United States wherever Visa is accepted.
Important Dates to Remember:December 27, 2009: Last day to request PayPal payout for MyView Dollars (if no requests are made, MyView Dollars will automatically be converted to MyView Points and deposited into your account).December 28, 2009 to January 3, 2009: Blackout Dates. Remember, your MyView account information will remain safe! The reward information (now in MVPs) will be available for you to review during the Blackout dates. And, just remember … during the Blackout dates, you will continue to be able to earn MVPs by participating in surveys.January 4, 2010: MyView Points may be claimed under the new MyView Reward program.
We hope you are as excited as we are for the new and improve rewards program. After all, it was built with you in mind!

Do I love myself?

Here is the "surprise" from yesterday's lesson: the reference point for loving others is our love for ourselves. "You shall love your neighbor as yourself" (Matthew 22:39).
How should we love ourselves? Jesus' concept of loving ourselves has nothing to do with the weary drone of today's pop psychology -- "feeling good about yourself" is all that counts. Marketers blatantly link "good feelings" with acquiring everything from pep pills to protruding biceps; fabulous manicures to monster TVs; fast cars to fantastic vacation getaways.
While "good feelings" may have a place (and I'm not on a crusade against things we acquire), more often than not, acquisitions and nonstop activity are escape mechanisms that will never fully satisfy. In fact, when we try all the "elixirs" and they fall short, we often get discouraged or depressed, the result of trying to fill our emptiness in the wrong ways. God's provision transcends feelings and things. Our deepest needs are only and always fulfilled in Him. Centuries ago St. Augustine wrote, "You have made us for Yourself, O God, and our hearts are restless until they find their rest in You."
Now that you have come to Christ and "all things have become new," the whole matter of your self-image gets a major makeover -- and is the basis for your loving yourself. (Don't worry, you can still wear cool clothes and gel your hair!)
Here are two keys to your new self-image.
Key #1: You can't love yourself on the basis of your fallen human nature, no matter how much you beautify it, educate it or indulge it. You have to face the hard reality that apart from Christ, you are "nothing." Peter, quoting the prophet Isaiah says: "All flesh is as grass, and all the glory of man as the flower of the grass. The grass withers, and its flower falls away" (1 Peter 1:24). In our honest moments we can identify with the Psalmist when he says, "But I am a worm" (Psalm 22:6).
Key #2: You love yourself on the basis of God's love for you. First you have to see yourself as God sees you -- as incredibly valuable to Him. He fashioned you after Himself (see Genesis 1:26). He knew you even before you were born (see Psalm 139:13-16). He loves you so much He gave Himself for you (see John 3:16). He created you to live together with Him in this life and in eternity (see 1 Thessalonians 5:10).
So how should you view yourself? You are one of God's priceless children (for He paid dearly for you through Jesus' sacrifice on the cross.) You are precious in His sight, filled with His Spirit, part of His body, commissioned to fulfill His grand design for your life, the object of His great love and affection. On this basis you can feed your soul and spirit with good things, take care of your body, discipline the unruly aspects of your life, enjoy fellowship with Him and others and apply your best energies in service to Him. Though you stumble, by His grace you will learn from your mistakes, be forgiven, and ultimately finish the race set before you (see 2 Timothy 4:7).
As one who is intensely loved by God, not from a puffed-up ego, you can love yourself and then "love your neighbor as yourself."
Key Scripture
Now may the God of peace Himself sanctify you (set you apart) completely; and may your whole spirit, soul, and body be preserved blameless at the coming of our Lord Jesus Christ. He who calls you is faithful, Who also will do it (1 Thessalonians 5:23-24).
Key Thought
I am of infinite worth because I belong to Christ.
Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

How do I handle tough times and temptations?

Some people falsely think that when a person becomes a follower of Christ, he or she is immune to difficulty. This idea doesn't align with scripture or our experience. Jesus said, "In this world you will have trouble. But take heart! I have overcome the world" (John 16:33NIV). I don't know one region of the world today where God's people are not beset by trouble (including severe persecution in some nations). Even though I've been a Christian for many years, I still face difficulties, wrestle with temptations, and encounter family and work-related challenges -- at times, intense.
Here is the encouraging news. Through your faith in Christ, you are equipped to confront and work through trouble in a whole new way, so much so that Paul said that in Christ, "We are more than conquerors" (Romans 8:37).
There are various aspects of the daily battle you encounter. Today's topic is the "old self," or the old nature. (Fasten your seat belt. These concepts are weighty, but very important.)
In Romans Chapter 6, a masterful summary of who we are in Christ, Paul says, "We were therefore buried with Him (Christ) through baptism into death in order that, just as Christ was raised from the dead through the glory of the Father, we too may live a new life" (v.4 NIV).
Just what was buried? Verse 6 says, "Our old self was crucified with Him." This old self is the flawed human nature we inherited as the result of Adam's sin. Thankfully that is not the end of the matter. You put that nature to death with your commitment to Christ and your daily actions. Paul continues, "In the same way, count yourselves dead to sin but alive to God in Christ Jesus" (v.11 NIV). In other words, you have to walk out what was accomplished when you identified with Christ in His death. (Note that baptism -- immersion in water -- is the outward evidence of your old self being buried with Christ. The water in baptism literally represents a burial vault for that "old nature.")
Walking out the new life in Christ is a lifelong journey. In writing to the Galatians, Paul describes it:
So I say, live by the Spirit and you will not gratify the desires of the sinful nature. For the sinful nature desires what is contrary to the Spirit, and the Spirit what is contrary to the sinful nature. They are in conflict with each other (Galatians 5:16,17 NIV).
He goes on to describe various aspects of the sinful nature -- all of which degrade human character and damage interpersonal relationships. Then Paul explains what the "fruit of the Spirit" looks like -- qualities such as love, joy, peace and faithfulness -- which reflect the nature of God Himself. Don't you want your life to produce that kind of fruit?
Here's the bottom line: You were given a "new nature" when you committed yourself to Christ. But you must walk out the implications. How? By "walking in the Spirit." That means you allow the Holy Spirit Who lives in you to shape your thoughts, guide your steps, govern your reactions and correct you when you stray. The old nature is real. The warfare is real. But God has made it possible for you to walk in victory.
Key Scripture
Take off the old self with its practices ... and put on the new self (Colossians 3:9,10 NIV).
Key Thought
Through God’s Spirit I can walk in daily victory.
Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

How do I deal with the devil?

Yesterday our focus was on overcoming the old self, and we saw that victory comes to us as we walk in the Spirit. Today we will talk about how we deal with the devil.
I learned a great lesson early in my Christian walk. A dispute, one that seemed quite irrational, developed at our company between two senior managers. As tempers flared and harsh words burst out, it looked as though things would only get worse, not better.
Later, as I pondered the problem in the quiet surroundings of my study at home, my eyes fell on an unopened book on my bookshelf, still in its cellophane wrapper. The title intrigued me: Dealing with the Devil by C.S. Lovett. As I leafed through its pages I came across this analogy: Suppose you stood in the middle of a busy traffic intersection, wearing normal street clothes, with cars coming from all directions. You might wave your arms wildly trying to stop traffic, but before long you'd probably be run over. Imagine instead that you do the same thing, only this time change your clothing. Put on a policeman's uniform. The results would be completely different. Drivers would respect the authority represented by the uniform and do as you directed.
The author then made this point: If a believer is "clothed with Christ," he or she has authority to deal with spiritual opposition, just as the policeman does in traffic. Armed with this insight, I "put on my uniform" and prayed in Jesus' name, exerting authority over whatever unseen forces were causing dissension between the two managers. The next day I found to my amazement the problem had vanished -- as though there had never been a conflict in the first place. This incident really opened my eyes to spiritual opposition. The Bible has a great deal to say about such warfare. Let's look more closely.
The devil is a real adversary that you must reckon with. Also known as Satan, he was initially a high-ranking angel in heaven who rebelled, was cast out of heaven (see Luke 10:18) and has been in total opposition to God ever since. It was he who tempted Adam and Eve in the Garden (see Genesis 3:4) and even now is the author of war, famine, murder and every vice known to mankind. Jesus called him a thief that "does not come except to steal, and to kill, and to destroy" (John 10:10).
Satan challenged Jesus at every turn -- from His infancy through His death. Yet Jesus was undeterred from His mission to completely defeat His ancient foe. The Apostle John said, "For this purpose the Son of God was manifested, that He might destroy the works of the devil" (1 John 3:8). Though the enemy was a schemer and clever tactician, he made an enormous miscalculation, thinking if he could kill God's Son he would gain uncontested control of the entire world. However Jesus' death, which Satan expected to be his supreme triumph, became his ultimate downfall.
Though Satan was indeed defeated, for a while he continues to exert a measure of influence on earth. He is still behind every form of evil, perhaps with increasing intensity, sensing (correctly) the day is coming when he will be completely destroyed. Peter says Satan "walks about like a roaring lion, seeking whom he may devour" (1 Peter 5:8). Peter's counsel? "Resist him, steadfast in the faith" (v.9). Paul says the same: "Be strong in the Lord and in the power of His might. Put on the whole armor of God that you may be able to stand against the wiles (schemings) of the devil" (Ephesians 6:10,11).
Every day you will see evidence of the devil's influence around you and in world events. The good news is that in Jesus you can be an "overcomer," a phrase used often in Revelation, the final book of the Bible. James says emphatically, "Resist the devil and he will flee from you" (James 4:7). In other words, put on the policeman's uniform

How am I doing at the halfway point?

We are midpoint in this 30-day study. As I think about our connection with each other through the Internet, I am both amazed and a bit mystified. Rather than taking up another topic today, I'd like to simply share a few personal thoughts.
I never imagined I'd be writing this study. Here is how it came about. Some years ago, a friend called me on a Saturday morning to watch space shuttle Columbia returning to Earth. Just 15 minutes prior to its scheduled touchdown in Florida, however, something went terribly wrong and it began to break up. In a moment, seven astronauts (six Americans and one Israeli) were lost -- just as they were coming home. Many thoughts raced through my mind, but one question gripped me: Did they know Jesus Christ? I turned off the TV that morning and began writing a little booklet about how one comes into a vital relationship with Jesus Christ. I called it "Coming Home." I thought perhaps this message could help others, providing a roadmap to answer life's greatest question: How should I relate to God?
Coming Home was published and thousands of copies were distributed. It was translated into several other languages. I received comments that it really was helping people, but I wanted this message of God's love to reach many more. One day I met Mark Weimer, a California businessman who had recently joined with some other Silicon Valley business leaders to start a new venture called Global Media Outreach. Their goal was to find new ways to spread the message of the gospel over the Internet. Mark read my little booklet and proposed formatting it for the web. In February 2006, Coming Home went live on line as
www.lifesgreatestquestion.com. We purchased ads on Google and later Yahoo! to help people find the site.
As I mentioned earlier (Day 7), statistics indicate that at least one million people each day are seeking insights on the Internet into the deeper questions of life. In a remarkable way we began connecting with thousands of such people (like you) from all corners of the world -- over 170 countries within a few weeks. More than 12 percent of those visiting the site indicated that as a result of their visit, they had made a decision to follow Christ. Frankly, I was stunned. Internet technology, so often used for wrong purposes (like pornography) was becoming a means by which people throughout the Earth could find new life in Christ. We were able to track countries of inquiry, and they included the US, India, the UK, the Philippines, Nigeria, Pakistan, Canada and South Africa, and though less in number, places like Burundi, Cuba, Iran, the United Arab Emirates, Saudi Arabia, Fiji, Malta and Lesotho through such search words as "The meaning of life," "God," "Hope," and "Life after death."
In July, as my wife, Wendy, and I were beginning a summer vacation, I developed a strong concern for new believers, wondering what materials might be available to help you become more firmly established in your faith. When I didn't find much in the way of help, I felt strongly directed to be part of the answer. That is when I began writing this 30-day study. I consulted with Mark and he was thrilled. He, too, had been sensing the need for such material, even to the point of it covering a 30-day time span.
Now, as I write, I feel a growing "connection" with you. I can say, as Paul said to the Philippian believers, "I thank my God every time I remember you" (Philippians 1:3 NIV). You and I will likely never meet, at least not here on earth. But I want to affirm that you are dear to Wendy and me, and more importantly, you are very precious to God.
Now I want to encourage you. Keep on the journey. Don't give up! God has a wonderful adventure planned for you. Whatever you face, always remember that God is faithful. If you let Him, He will complete the process for which He created you, and fulfill every purpose for which you were redeemed.
Key Thought
God has a plan for me. It’s no accident that we’ve met through the Internet.
You can watch videos of John Beckett, the author of 30 Day Next Steps, as he answers questions about how to integrate your Christian faith with your daily life.

How do I stay close to Jesus?

If I could, in the course of these 30 days, leave you with one burning desire, it would be this: To stay closely connected to Jesus. The term used in the Bible is "to abide" with Jesus, which means to remain united with, to stay intimately connected. (A quick note here: when it comes to "abiding" -- staying close to Jesus -- I am still a learner. It's an area where I, and most Christians, need to grow.)
Some will say the key to staying close to Jesus is to learn "doctrine" -- the foundational teachings of the Christian faith. Without question, sound doctrine is important. In its absence, many have gone into error. But as Oswald Chambers points out, "It is possible to know all about doctrine and yet not know Jesus. The soul is in danger when knowledge of doctrine outsteps intimate touch with Jesus" (August 16).
Others will say following Jesus consists of doing good deeds. Again, good deeds are important and God commends them; for example, in Paul's admonishment against idleness: "Brethren, do not grow weary in doing good" (2 Thessalonians 3:13). But our activity can easily become a substitute for "abiding," putting the cart before the horse, for as we'll see, good works flow out of a close relationship with Jesus.
In John's gospel, Chapter 15, Jesus provides a powerful metaphor to describe the intimacy He desires with you:
Abide in Me, and I in you. As the branch cannot bear fruit of itself, unless it abides in the vine, neither can you, unless you abide in Me. I am the vine, you are the branches. He who abides in Me, and I in him, bears much fruit; for without Me you can do nothing (John 15:4,5).
The branch of a tree is totally dependent upon the trunk for support, nourishment and vitality. From the moment a branch is cut off, it withers and dies. But when properly connected there is a continual life flow. This transmission of energy, strength -- indeed purpose -- is what brings forth "good fruit" -- a fruitful, productive life.
This is the "abiding" relationship Jesus had with His Father. If you follow the pattern He established, you will stay closely connected to Him and to the Father.
Jesus trusted completely, confident that the Father knew what was necessary and what was best.
Jesus was in continual dialogue, watching and listening for the Father's initiative, then obeying immediately.
Jesus enjoyed being in the Father's presence, dwelling securely in His love, care and protection.
Oswald Chambers, quoted earlier, said in his June 14 writing that you can "abide" -- stay close to Jesus -- "in intellectual matters, in money matters, in every one of the matters that make human life what it is."
Here's the major challenge you will find: You will feel like you have something to do first -- before you can "abide." That's a trap! Abiding is now, not in the future. It is here, not there. Make staying close to Jesus the number one objective in your Christian journey. Learn to abide in Him.

Why does truth matter?

TRUTH: THE KEY TO FREEDOM
If we were given the opportunity to sit down with the Apostle Paul over a good cup of coffee, and if we were to ask him what energized him to press on, here's what I believe he would tell us: "I do what I do, and endure what I endure because ‘God, our Savior ... desires all men (every person on earth) to be saved and to come to the knowledge of the truth'" (1 Timothy 2:3,4).
We might then ask Paul to comment on the question that has haunted men and women through the ages: "What is truth?" This great scholar and thinker would say, "Here is the essence of truth: ‘There is one God and one Mediator between God and men, the Man Christ Jesus'" (v.5).
Dare we challenge Paul at this point? "Can you really reduce the concept of truth to that one phrase?" "Yes," he would reply, "This is bedrock. Get this and the rest will follow. There aren't multiple gods. There is One, and He is a God Who can be known. There aren't multiple ways to the one true God. In fact, Jesus Himself, without a hint of arrogance said, ‘I am the way, the truth and the life. No one comes to the Father except through Me'" (John 14:6). Ultimately, here is what Paul is telling us: Truth is not just a set of beliefs, as in other religions or philosophies. Truth is a Person. We encounter the truth as we encounter Christ.
I believe we must contend for the truth. Here's why:
Truth brings stability. Absent truth, the world is unhinged, leaving only chaos. Isaiah said, "Truth is fallen in the street" (Isaiah 59:14). This happens when we run from the truth, rather than embrace it.
Truth is freedom. Jesus said, "You shall know the truth, and the truth shall make you free" (John 8:32). Truth matters supremely because, in the end, without truth there is no freedom. (For example, consider how repressive regimes that deny their people basic freedoms must prop themselves up by distortions and lies.)
Truth can be learned, actually imparted. Jesus, looking to the day the Holy Spirit would come in power, said, "When He, the Spirit of truth, has come, He will guide you into all truth" (John 16:13). Isn't it reassuring to know that the Holy Spirit is with you on the path of life as your guide to all truth?
Truth is the surest way to avoid deception. Deception is your number one future danger. Jesus said, "Take heed that no one deceives you. False christs and false prophets will rise and show great signs and wonders to deceive, if possible, even the elect" (Matthew 24:4, 24). Paul said the days ahead would be marked by the "working of Satan, with all power, signs and lying wonders, and with all unrighteous deception among those who perish because they did not receive the love of the truth" (2 Thessalonians 2:9,10). As a friend of mine says, "The only safeguard against deception is a passionate love for the truth."
Does this battle for the truth impact your world? If you are a high school student, you know lying and cheating are an art form, and that truth doesn't seem to matter. If you're on a college or university campus, you know the very idea of objective truth -- that truth can be known -- is scoffed at. If you're in business, you know truth is too often compromised. How evident this was at Enron, where many of the "best and brightest" in leadership shunned truth in their daily work.
Truth matters. You're not for sale, and truth, for you, is not for sale. In fact, truth could even be worth dying for!
Key Scripture Buy the truth and do not sell it (Proverbs 23:23).
Key Thought "Living in truth is the secret of living free" (Os Guinness, at a Veritas Forum at Stanford University). The truth sets me free.

Wednesday, January 13, 2010

Who needs a profit/loss plan?

Isn't investing only about buying low and selling high? It would be nice to always buy at the bottom and sell at the top, but it is nearly impossible to do so consistently. Furthermore, investors are only human: emotions sway our judgment and it is in our nature to hate losing. Taking a loss on a stock, therefore, is not only detrimental to our pocketbooks, but it also hurts our egos. Time and time again investors take profits by selling an investment that has appreciated, but hold onto declining stocks in the hope of a rebound; oftentimes these investments shrivels to a fraction of their previous worth. So how can an investor avoid this type of outcome? One solution is to learn to be a disciplined investor and to adopt a profit/loss plan. In this article, we'll go over this strategy and show you how to use it to stay in the black.


What Is a Profit/Loss Plan?This plan is a step that many retail investors (and professionals) often overlook. The profit/loss plan is a set of limits that determines the maximum loss or gain an investor will take on a stock. Containing losses is a very important part of investing, so the profit/loss plan is crucial to a sound strategy.


Devising Your PlanDevising a plan may be more difficult than you'd expect. First, you'll need to set the maximum gain you will accept and the maximum loss you will tolerate for your investments, but these maximums and minimums shouldn't necessarily be the same for every stock. For example, a blue chip stock is more unlikely to rise or fall by 10% within any given year as compared to a small-cap growth stock, which will exhibit more volatility. In other words, you must analyze each stock individually to estimate how much it is likely to move in either direction.


Some investors use technical or fundamental analysis or a combination of both to determine appropriate limits for gains and losses. (For an introduction to "technimental analysis", see the article Charting Your Way to Better Returns.) Another way to devise your limits is by modeling your plan on the performance of a designated benchmark such as an index or even on the past performance of your own portfolio.


Another factor you must consider when devising your profit/loss plan is your risk tolerance, which depends on many factors such as your personality, your time frame and your available capital. Typically, people who are risk averse will have tighter boundaries than those who don't mind risk. Risk lovers will try to profit as much as possible from a rising stock, but a more conservative investor may sell the stock early on in its rise to eliminate the risk of losses, which would occur if the stock took a quick downward dive. If you prefer to shy away from risks, a profit/loss plan of 10% each way may not be suitable or even realistic for you. On the other hand, if you are willing to take on the added risks associated with potential profits, then a 10% profit/loss might be more appropriate.


Carrying Out Your PlanOnce you've decided on your numbers, whether conservative or aggressive, you have to put the plan into action with as few hitches as possible. Remember, this plan has a double requirement: you have to sell your stocks (1) if they fall to a certain level and (2) if they rise to a certain level.


Now, brokers will not let you enter two different sell orders for the same security so you need to figure out which one you'd rather enter first. It may be wisest to enter orders that first protect your downside: many wise investors use the stop-loss order, which instructs your broker to buy or sell a stock once it has reached a certain price. The stop loss ensures that you won't get burned on a down market, especially if you aren't able to watch your stocks every second. When you enter in your order with your broker, set the stop price at your maximum loss percentage and then sit and wait. If the price ends up appreciating to your upper boundary, just change the price of your stop loss order, which will then activate the immediate sale of your stock.


Staying DisciplinedOnce you have your profit/loss strategy in place, you will have to remember that the whole idea of the plan is to establish strict guidelines for when to sell. Sure, it hurts to see a stock continue to rise once you have sold it, but it is often better to sell on the way up than to wait until you have to dump the stock while the price is collapsing after its peak. Joseph P. Kennedy, Sr. once said, "Only a fool holds out for the top dollar."


ConclusionKeep in mind that our example figures are generalizations. Devising your plan requires detailed research, analysis, self-assessment and a realistic outlook. Setting a profit limit at 100% (double your money) doesn't make sense if you invest in low-risk companies that grow steadily at 15% per year.


Here are some things to remember:•A stock that declines 50% means you will need to double your money to get back to even. Controlling losses is the key to sound investing. •Making mistakes is human nature. Once you realize this, you will find it easier to move on. •Buying a stock and holding onto it for a very long time doesn't mean you will make money. A buy and hold strategy will work only if you pick the right companies.

Who needs a profit/loss plan?

Isn't investing only about buying low and selling high? It would be nice to always buy at the bottom and sell at the top, but it is nearly impossible to do so consistently. Furthermore, investors are only human: emotions sway our judgment and it is in our nature to hate losing. Taking a loss on a stock, therefore, is not only detrimental to our pocketbooks, but it also hurts our egos. Time and time again investors take profits by selling an investment that has appreciated, but hold onto declining stocks in the hope of a rebound; oftentimes these investments shrivels to a fraction of their previous worth. So how can an investor avoid this type of outcome? One solution is to learn to be a disciplined investor and to adopt a profit/loss plan. In this article, we'll go over this strategy and show you how to use it to stay in the black.


What Is a Profit/Loss Plan?This plan is a step that many retail investors (and professionals) often overlook. The profit/loss plan is a set of limits that determines the maximum loss or gain an investor will take on a stock. Containing losses is a very important part of investing, so the profit/loss plan is crucial to a sound strategy.


Devising Your PlanDevising a plan may be more difficult than you'd expect. First, you'll need to set the maximum gain you will accept and the maximum loss you will tolerate for your investments, but these maximums and minimums shouldn't necessarily be the same for every stock. For example, a blue chip stock is more unlikely to rise or fall by 10% within any given year as compared to a small-cap growth stock, which will exhibit more volatility. In other words, you must analyze each stock individually to estimate how much it is likely to move in either direction.


Some investors use technical or fundamental analysis or a combination of both to determine appropriate limits for gains and losses. (For an introduction to "technimental analysis", see the article Charting Your Way to Better Returns.) Another way to devise your limits is by modeling your plan on the performance of a designated benchmark such as an index or even on the past performance of your own portfolio.


Another factor you must consider when devising your profit/loss plan is your risk tolerance, which depends on many factors such as your personality, your time frame and your available capital. Typically, people who are risk averse will have tighter boundaries than those who don't mind risk. Risk lovers will try to profit as much as possible from a rising stock, but a more conservative investor may sell the stock early on in its rise to eliminate the risk of losses, which would occur if the stock took a quick downward dive. If you prefer to shy away from risks, a profit/loss plan of 10% each way may not be suitable or even realistic for you. On the other hand, if you are willing to take on the added risks associated with potential profits, then a 10% profit/loss might be more appropriate.


Carrying Out Your PlanOnce you've decided on your numbers, whether conservative or aggressive, you have to put the plan into action with as few hitches as possible. Remember, this plan has a double requirement: you have to sell your stocks (1) if they fall to a certain level and (2) if they rise to a certain level.


Now, brokers will not let you enter two different sell orders for the same security so you need to figure out which one you'd rather enter first. It may be wisest to enter orders that first protect your downside: many wise investors use the stop-loss order, which instructs your broker to buy or sell a stock once it has reached a certain price. The stop loss ensures that you won't get burned on a down market, especially if you aren't able to watch your stocks every second. When you enter in your order with your broker, set the stop price at your maximum loss percentage and then sit and wait. If the price ends up appreciating to your upper boundary, just change the price of your stop loss order, which will then activate the immediate sale of your stock.


Staying DisciplinedOnce you have your profit/loss strategy in place, you will have to remember that the whole idea of the plan is to establish strict guidelines for when to sell. Sure, it hurts to see a stock continue to rise once you have sold it, but it is often better to sell on the way up than to wait until you have to dump the stock while the price is collapsing after its peak. Joseph P. Kennedy, Sr. once said, "Only a fool holds out for the top dollar."


ConclusionKeep in mind that our example figures are generalizations. Devising your plan requires detailed research, analysis, self-assessment and a realistic outlook. Setting a profit limit at 100% (double your money) doesn't make sense if you invest in low-risk companies that grow steadily at 15% per year.


Here are some things to remember:•A stock that declines 50% means you will need to double your money to get back to even. Controlling losses is the key to sound investing. •Making mistakes is human nature. Once you realize this, you will find it easier to move on. •Buying a stock and holding onto it for a very long time doesn't mean you will make money. A buy and hold strategy will work only if you pick the right companies.

Sunday, January 10, 2010

Correlation Between Organic Search and PPC

First, let me say that I really enjoy my subscription to Web Pro New; and, in particular your articles. I delete a lot of 'stuff' in my inbox, but I really look forward to your 'stuff.'
I'm really interested in finding whether there is any direct correlation between organic search and PPC. While my empirical evidence is a bit weak, at least I'll still continue to pursue it. My affiliate site accounts were recently banned by Google. I may make a hat saying that! lol It is a kind of privalege in a way... if you are the eternal optimist I tend to be.
I believe they were justified in banning me. A lot of my first time attempts were really, really poor and I believe their "look-back" on my history really did it. That's fine! I wasn't even doing PPC with them at the time of my ban (within the past two weeks).
I was concentrating on building content to my site and SEO. I was using Alexa as my measurement tool. I was consistently bringing down my number (from the high 700K to almost below 400K) today. I have the tools and methods in place to continue this trend. Obviously, I'm doing this to bring organic traffic to my site.
The Google cops stress value, original content, unique content, positive experience... and all that. The only way you get it is to build upon your focus, keep it consistent, and build some more. I'm at the point that they are now sending me traffic. Not a lot, but it's free! Well at least free in respect to the work I've done.
I would think that they would re-evaluate my site, but that's not likely and I'm not going through that pain. Still, I have to wonder what my quality scores would be with them now if I just started to do PPC. The advice I would provide anyone is this. Do not invest in PPC with Google until you have plenty of original content. Just my opinion... 20-30 pages and make sure they are properly SEO'd.
I only use WordPress now. They rock! Their plugins are simply fantastic and make it much easier to SEO your site. Do not let me inadvertently mislead you. I'm not saying this is easy and you can make a ton of bad mistakes. You have learn, learn, learn some more and get advice from people you trust.
But, I'm of the belief that if you build enough original content on your site and properly SEO it, you place yourself in a great position to succeed. Wait until you start seeing some free or organic traffic on your site. (WordPress has plugins that will enable you to do this). Once you hit this level, then begin PPC. My bet is that you will be more than happy with your results. My money is on a correlation between organinc search and PPC with Google.
But, this is just my opinion.

Correlation Between Organic Search and PPC

First, let me say that I really enjoy my subscription to Web Pro New; and, in particular your articles. I delete a lot of 'stuff' in my inbox, but I really look forward to your 'stuff.'
I'm really interested in finding whether there is any direct correlation between organic search and PPC. While my empirical evidence is a bit weak, at least I'll still continue to pursue it. My affiliate site accounts were recently banned by Google. I may make a hat saying that! lol It is a kind of privalege in a way... if you are the eternal optimist I tend to be.
I believe they were justified in banning me. A lot of my first time attempts were really, really poor and I believe their "look-back" on my history really did it. That's fine! I wasn't even doing PPC with them at the time of my ban (within the past two weeks).
I was concentrating on building content to my site and SEO. I was using Alexa as my measurement tool. I was consistently bringing down my number (from the high 700K to almost below 400K) today. I have the tools and methods in place to continue this trend. Obviously, I'm doing this to bring organic traffic to my site.
The Google cops stress value, original content, unique content, positive experience... and all that. The only way you get it is to build upon your focus, keep it consistent, and build some more. I'm at the point that they are now sending me traffic. Not a lot, but it's free! Well at least free in respect to the work I've done.
I would think that they would re-evaluate my site, but that's not likely and I'm not going through that pain. Still, I have to wonder what my quality scores would be with them now if I just started to do PPC. The advice I would provide anyone is this. Do not invest in PPC with Google until you have plenty of original content. Just my opinion... 20-30 pages and make sure they are properly SEO'd.
I only use WordPress now. They rock! Their plugins are simply fantastic and make it much easier to SEO your site. Do not let me inadvertently mislead you. I'm not saying this is easy and you can make a ton of bad mistakes. You have learn, learn, learn some more and get advice from people you trust.
But, I'm of the belief that if you build enough original content on your site and properly SEO it, you place yourself in a great position to succeed. Wait until you start seeing some free or organic traffic on your site. (WordPress has plugins that will enable you to do this). Once you hit this level, then begin PPC. My bet is that you will be more than happy with your results. My money is on a correlation between organinc search and PPC with Google.
But, this is just my opinion.

When will the good changes begin?

When we make any kind of significant change in our lives, the first 30 days are critical. Studies show it takes this long to shed an old habit, or establish a new one.I mention this now to encourage you to press on with this study. Let the "habit" of studying God's word, His character and His ways become well rooted. In the remaining three weeks we'll consider several more topics that are essential to forming a firm spiritual foundation and walking out the new life in Christ. These 30 days are the first installment in your adventure of a lifetime.The reality is that you, as a new believer, can be pulled off course in a number of ways. Let's look at two major challenges and how you might respond.The pull of family and friends who don't understand. In coming to Christ you've made a radical choice, the implications of which are just hitting you. Regardless of how much or how little you've said to others, they are bound to notice early indicators of your changed life. Some will be interested to know more -- an opportunity to share your faith. Others will be antagonistic. They may mock you or whisper behind your back. It's important to realize it's not you, but Christ in you, that has them agitated. There is power in Christ, and that power draws a reaction from others.The best course is not to try to explain yourself or be defensive. Instead let Christ, Who now lives in you, love them through you. In time they may change, or possibly go their own way. But whatever you do, don't let others pull you back into your old ways.A sense of shame you feel about things that aren't right in your life. Maybe you're in an illicit or unhealthy relationship, or abusing your body with harmful drugs. You may have long-standing issues with excessive use of alcohol or any number of other habits that aren't easily shaken. You may be saying, "I can't make it in the new life," or, "I'm not good enough," or, "There's no way I can change who I am." Please -- don't give in to these thoughts. If you stay the course, the day will come when, with the Lord's help, you will be able to break free from the habits that pull you down. Take your concerns to Jesus. Talk with Him -- friend to friend. After all, He knows all about you, and He took you to Himself just as you were. He loves you just as you are. Change is working from the inside out.Press through for the next several weeks. I'm confident you will start seeing some amazing victories, both in yourself and even in the people and circumstances around you.
Key ScriptureHe who is in you is greater than he who is in the world (1 John 4:4).Key ThoughtI will hold closely to the Lord today, and not worry about tomorrow.Questions or comments about this study? Click "reply" if you received this by email and let us know your thoughts.

How do I find meaning in life?

Statistics indicate that over one billion people visit the Internet each day. Of these, at least a million are searching for answers to the deeper questions of life: Why am I here? What is my purpose? What is God like? A phrase that is frequently used by those exploring such deeper issues is "the meaning of life." Gratefully, the Bible helps us understand that life's meaning is rooted in a unique friendship. Billy Graham says, "It is the greatest discovery you will ever make: You were created to know God and be His friend forever" (The Journey, p. 23).A key to understanding how you can be God's friend is to know you were created with more than a body, mind and soul. You were created with a spirit. Your human spirit was awakened when you were born again, enabling you to communicate directly with God and have fellowship with Him. The Apostle Paul says we "received the spirit of adoption by whom we cry out, ‘Abba, Father'" (Romans 8:15). "Abba" literally means "Daddy."The heart of every person deeply longs for true friendship. Think about your best friends and how important those relationships are. Yet human friendships can and do fail. This became very real to me recently when the twenty-one year old son of a close friend tragically took his own life. The reason? The young man's closest friend, a classmate he had known for several years, stated firmly he no longer wished to continue the friendship. The loss was so devastating to my friend's son that life lost its meaning to him, and he completely gave up.Even though friends on this earth may come and go, in God you have a friend Who will be there forever. Graham says further: "This is a staggering truth. Think of it. The infinite, all-powerful holy God of the universe wants to be your friend! He wants you to know him personally. He wants you to know He is with you. He wants to comfort you when you are upset or anxious. He wants to guide you when you face difficult decisions, and He even wants to correct you when you are about to do something foolish or wrong" (p. 31).Take a moment now to let this profound reality sink in. You were created to be God's friend. This reflects the enormous heart of your wonderful Lord! What a privilege to be one of His children, to be able to come to Him any time, day or night, to be completely open with Him, to share your most intimate thoughts and fears.

LOVING GOD. How do I respond to God?

From the moment we begin to grasp just how much God loves us, a deep desire wells up within us to love Him in return.Suppose as you were walking in a dense forest, you strayed off the path and lost your way. Night falls and it becomes dark and cold. You have no food or water. Danger lurks from forest animals. You frantically stumble ahead in the darkness, with no sense of direction. Fear gnaws at you: "I may never make it back to safety."Just as all hope is fading, your frantic eyes see a dim light in the distance. Suddenly you realize, "Someone is searching for me!" The light grows brighter. It's coming your way. You call out, "Here I am!" The reply comes back: "Keep calling!" Moments later your rescuer appears in the unmistakable uniform of a forest ranger -- one who knows the deep woods and the way home. By the dim light, you study his kind and fatherly face. Steadily he leads you back. As the ranger delivers you to your doorstep, he says, "You're safe now." In sheer relief you respond in the only way you can -- with profound gratitude. "How can I ever repay you?" you ask, knowing no payment could ever suffice.In the very same way our heavenly Father has rescued us. Our condition was more desperate than we could ever know. We couldn't make it on our own. We were groping frantically in complete darkness when He came and personally guided us home. He redeemed us from deadly peril.Perhaps the Apostle John had such a sense of gratitude when he declared, "We love Him because He first loved us" (1 John 4:19).It would not be unusual for you to be harboring distorted images of what your heavenly Father is like. I've had many false images myself -- at different times a "higher power" or a stern judge to be feared. But once I saw His unconditional love for me, a love unaffected by who I was and all I had done, my heart was able to say, "Father, I love you." Amazingly, God not only loves us -- He actually created us so we can love Him in return.How deeply should we love God? Jesus, who knew the Father intimately, said, "Love the Lord your God with all your heart, with all your soul, with all your mind, and with all your strength" (Mark 12:30). All our faculties come into play. "All" leaves nothing out. Loving the Father to that degree continues to stretch me, for it means giving all that I am to the One who gave His all for me.My heart swells -- and I believe so does God's -- when I spontaneously lavish my love upon Him, expressing my affection and gratitude to Him.

THE BIBLE: A WORD FOR ALL AGES

How am I doing on Day 4? Can you confidently make the following statements?I am certain that by faith I have been born again -- I've come out of darkness into light. (Remember, our assurance is based on the fact of God's promise, not on how we feel.)My focus is on the here and now, not where I've been, and not on what the future holds.I have entered into a new and personal relationship with Jesus Christ. He loves me and He is changing me from the inside out.We'll be coming back to these themes from time to time. Now, I want to introduce you to a book -- the Bible. It must become your friend and lifelong companion.Words are important in any culture. They are how we communicate facts, ideas, instruction, encouragement and correction. It shouldn't surprise you that God will communicate with you by words. He even referred to Jesus, His Son, as "the Word" (See John 1).The Bible consists of 66 books -- a collection of history, poetry, letters and the accounts of those from whom we can learn valuable lessons. It is the number one means by which you can learn who God is, how He wants you to live and how He will help you.I didn't always view the Bible as this kind of companion. Before I committed my life to Jesus, I found it confusing, even mysterious. Part of the problem was that I tried to read it like any other book, from page 1. Soon, I got bogged down and put it aside.After I became a believer, the Bible began to come alive. I started reading one of the four gospels in the New Testament on the advice of a friend and discovered a wonderful account of the life of Jesus. I found it very real, very transparent. I became aware that what I was reading was producing hope in me. I discovered lessons that applied to where I was right then. In fact, often what I would read each morning would apply directly to events happening that very day. More than once I recall saying, "That's amazing!" If you have a Bible, great! If not, you can access one online at www.biblegateway.com. Try starting with Luke's gospel. Read a little each day. As you read, let the words speak to you, bringing some fresh insight, some new truth. Savor what God tells you through His word -- turning it over in your mind, allowing it to be a vital source of life. (Even though something is confusing, remember everything in the Bible is there for a purpose.)Another good practice would be to look up the Bible references I mention in this study. This will help you become familiar with "navigating" through the Bible and to see the specific context for a particular verse or verses. (In this 30-day study, I've generally used the New King James Version of the Bible, unless otherwise noted -- such as "NIV" for the New International Version -- but feel free to find a version that is appropriate for you.)As you know, in any kind of building project, the foundation is critical. For example, in the construction of a new high-rise building, the "unglamorous" work below ground must be done carefully. The foundation is no place to cut corners, even though this phase of construction can seem to take forever. Eventually, activity begins above ground and the building takes shape with remarkable speed. In the same way, your new life in Christ must be built on a solid foundation. The very best foundation is the Bible. Situations change, and friends come and go. But the Bible is "rock solid." Decide today to build your foundation on God's word, making it your lifelong companion.

How can I be sure of God’s love?

We all know life can be harsh. Consequently, it may be difficult to look at our circumstances and conclude that God is a god of love. Perhaps you grew up in a broken home with little evidence of love -- possibly even abuse -- from your earthly father. You may have lost loved ones to illness, accident or war. In some areas of the world, poverty and famine are daily realities. Where is God's love in all this?I believe God's heart aches more than we can ever know at the pain, suffering, injustice and difficulties all His children encounter, especially when you understand that most of it is the result of mankind turning away from Him. Sin's entrance into the world brought severe consequences. Yet from the onset of sin and its ravages, God had the remedy in mind.That remedy was Jesus. While we were still caught up in sin, God sent His own Son to buy us back -- to "redeem" us. Here is the way Jesus describes the love of God:God so loved the world that He gave his one and only Son, that whoever believes in Him shall not perish but have eternal life (John 3:16 NIV).The Apostle John also focused on God's love: God is love. This is how God showed His love among us: He sent His one and only Son into the world that we might live through Him (1 John 4:8,9 NIV).Oswald Chambers sums up the linkage between the cross and God's love:The bedrock of our Christian faith is the unmerited, fathomless marvel of the love of God exhibited on the Cross of Calvary, a love we never can and never shall merit (March 7).Billy Graham, in his recent book, The Journey, says, "The more I read the Bible, the more I realize that love is God's supreme attribute" (p. 22).When you yielded your life to God and were born again, you came face to face with your heavenly Father's love. Now, as you continue your Christian journey, lean into that love, drawing deeply upon it. Immerse yourself in His love and care.Here is a prayer, penned to the early church in Ephesus by the Apostle Paul, who wrote several letters to new believers that are recorded in the New Testament. You can make this prayer your own: "(that you may) know the love of Christ which passes knowledge; that you may be filled with all the fullness of God.