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    2006 Off Shoring of American Jobs Continues
    We are watching as more and more jobs flow off our shores, where products can be made cheaply. There are obviously issues with the differences in the cost of labor throughout the world, which are so great that it is an impossible chasm to cross, even using sophisticate robotic manufacturing processes.Even when the robotics can make things faster than the humans working for $5.00 per day the systems still have to be designed, built and set up which takes a lot more time than just sticking 100’s of workers in a row and starting tomorrow. It is for this reason that the jobs, which require the least amount of skill are the first to go. The jobs flowing out of the country to greener or rather “Blacker” (as in un-environmentally friendly and operating at a profit).The problems with job losses and out sourcing are as much a factor of bad US policy as they are lower wages in those other nations. That is to say our over regulation in the United States is much to blame as it significantly raises the costs associated with manufacturing labor. In fact as I look at all the BS over regulation in the nation which is costing US Auto Makers billions a year in costs, I see a strangling of our American Productivity. Indeed it is not only in this industry, we have it in Car Washing too; my company; www.carwashguys.com .Many of these rules and regulations have been created thru legislation caused by Unions, Lobbyists and politicians. This has had so many unintended consequences that it often does not make sense to manufacture things in the United States. And some of this is due to the fact that the entire supply chain is under sometimes worse regulations. After all until recently you could not make a car without steal and look at t
    oments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thou

    Grow Your Business By Getting Your Customers Buying From You More Often - 35 Ideas
    35 Ideas to Spark Your Creativity:There are 3 ways to grow any business. Just 3:- Get more customers- Get more from each sale- Sell to each customer more frequently.That’s it - everything else boils down to some variation of these 3 activities.Most owners and managers want to grow their business. Most of them concentrate exclusively on getting more new customers.Odd really.There is lots of marketing research that is pretty consistent in pointing out that it costs somewhere between six and twelve times as much to get a new customer as it does to sell to an existing customer.And once you have a customer it is generally pretty straightforward to get them to buy from you more often.What’s that?Your business is different. You sell a one-off product. There’s no way to get customers to buy more often.Maybe so.But I don’t think so.Here are 35 ideas for you to stick in your brainstorming pot, stir for a while, and then see what comes out at the other end.Customer focus1. Actively market to your existing customers2. Listen to your customers - deliver what they want3. Keep Customers Informed4. Start A newsletter5. Superior Customer Service6. Target Profitable Customers7. Over deliver On your Promise8. Priority hot line for most profitable9. Active Customer Relationship ManagementBusiness Model10. Target a Specific Niche 11. Look for niches within niches12. Use Service Contracts13. Back-End Selling14. Pre-Sell After First Sale15. Joint venture marketingReward Customers16. Establish A Frequent Buyers Club And Card<
    Through some strange circumstances, we ended up with a trip scheduled to Costa Rica with less than three weeks to plan. Many things happened during that preparation time that seemed targeted at making us fear going. The volcano we would be staying 1.6 miles from for two days was having an immense amount of sudden activity. There was a murder of an older couple not far from where we would spend a day. There was concern of earthquakes off the coast of the South Pacific jungle where we would be for three days. Those and other details aren't important other than the fact that we chose Faith instead of Fear. The trip was an incredible one, with our witness shared with many, and even our encounter with a fer de lance snake (the snake accredited with the most human kills) didn't deter the plans that God had for this trip.

    However, when we returned "our cat" was no where to be found. She is a wild kitty that has quite a story of her own. I have been an animal lover since I was a very small child with a special attraction to cats. The only problem is that on a scale of 1 to 10, my cat allergy rates off the top of the scale. Although we've always had stray cats and up to 3 at a time, my sweet husband told me in 1996 that after the last one died, that would be it. He wasn't going to see me suffer any longer with cat dander all over the house. In April 1997, Princess, my favorite cat died at the age of 20. We had one cat left who was only 6 years old, so I didn't have to worry yet, but I really missed my Princess.

    One week after her death, I was on the phone and left it drop to the floor when I looked out the window and saw what I thought to be Princess. It was a female cat that looked and acted like her - our wild kitty. It was a joy to see her and I felt like she was a gift from God to me. A kitty that could be "mine" but not really since she was a feral cat.

    In June 1998, our last kitty died suddenly. That was so difficult since I knew it was the last cat I would have until I got to my home in Heaven.

    The wild black kitty continued to come around since we always had some kind of food out for the wildlife in our woods. Now she was all I had and after we buried our last cat, I really worked at being able to pet her, which finally occurred after two years of feeding her. So, this is how Miss Kitty Girl came to be "our cat." During 1999 she had been spending most of the day on our back porch with a soft bed of her own and a recently added long box to crawl into for winter nights with a blanket at the back for warmth.

    Although we trapped her to have her spayed in March 1999, she'd had no interest in human touch until the summer of 1999. She would allow me to rub on her and about a month before the trip, I could even pick her up for about 1/2 a minute before she'd panic to get down. She seemed to be well on her way to accepting me as a special part of her life.

    Return from Costa Rica Getting in at midnight on November 21, we didn't see Kitty Girl anywhere. We had taken a 12-day trip in September and she was there just a little bit after we returned, so we expected to see her in the morning, but didn't. The entire week went by - hour by hour - looking for Kitty Girl. The joy of the trip was greatly dimmed by these circumstances.

    I know daily that it is dangerous in the woods. There's no traffic to worry about, just the natural flow of nature to hunt or be hunted. Having spent time in Costa Rica in a true jungle setting, this understanding was very real to me. I've always believed in house pets, but I don't believe in zoos and wild animals being kept as pets, so I conceded that what was best for her was what life was to her and that was to be wild until she wanted something else. I have truly learned the definition of a feral cat.

    I had no problem allowing God to take her from us for His best in our lives. I could say with rejoicing, "The Lord gives and the Lord takes away. Blessed be the name of the Lord!" However, in my heart, I knew it just wasn't God's way. I would feel so much guilt if she got killed because we weren't here for her.

    So, later in the week I mustered up all the Faith I could find inside me and prayed. I wasn't going to give up and succumb to my worst fears. This was just a continuation of the fear the devil tried to throw in before the trip.

    I felt pretty good for the balance of that day, but was back in tears by the next. I spent more time looking at the porch door where she would sit than anything else I did each day. I called out to the woods throughout the day and throughout the nights. I battled guilt and condemnation with grief-filled tears. Being an "empty-nester" since our only son moved 815 miles away in January, made Kitty Girl something to care for. She had become a more important part of my life than I had realized.

    By Saturday night I felt that there wasn't much hope left since there would be no reason she wouldn't return for food and the warmth and safety of the box with the weather at freezing during the night.

    I had a decision to make! I was torn between desiring to go to church to praise and worship my Lord for who He was and for the love He gave that would cover all the grief I had in this human body - or - to stay home and cry my heart out, with my pride not wanting to possibly break down and cry uncontrollably at church as I'd been doing at home.

    My decision was to go. I needed the Spirit flowing around me and didn't want to let the devil have a winning stroke. I was soon to be reminded that the devil's power is nothing when you put it up against the Power of God.

    I dressed early on Sunday so there wouldn't be any hesitation and I thought about our prayers before we left for the trip. We had prayed over the house, over our land, and over our kitty. We prayed during the trip for protection for all. I began to think of the promises in Psalm 91 that we had always stood on and believed in and remembered those prayers prayed in Faith had always been fulfilled. I just didn't have a peace in my heart to give up hope, but my mind said there wasn't a chance. I had checked with the neighbors and nobody had seen her. I had done everything I could humanly do. My mind wouldn't allow me any hope. But,

    Hope comes from the heart! I knew I would be fine during church, but was confused as to why. The praise and worship time was special and it reaffirmed that whatever went on in life, I could make it through to the other side because I had the hand of the Almighty God in mine.

    Our Pastor was home sick that day, so our Youth Pastor spoke. I began to take notes as usual, and then I realized that this was a message to me ... and as I listened to it, God unveiled His Words to me through Pastor Jimmerson's sermon.

    The Scripture reference began with Mark 5:22 and the story of Jairus asking Jesus to come heal his daughter. On the way a woman with an "issue of blood" stopped Him and He spent time healing her, and then somebody came to tell Jairus that his daughter had already died. Jesus told him, "Don't be afraid, JUST BELIEVE!" I had asked Jesus to help the kitty, to heal her if she was injured, to bring her home, but I kept battling fear, and now I was hearing, "JUST BELIEVE!"

    Pastor said that the devil will plant seeds of doubt and how you view your situation is how it will turn out. The title of the sermon was called, "Your Outlook Determines your Outcome."

    When they got to the daughter everybody laughed when Jesus said she wasn't dead, but only asleep. Pastor mentioned that even death has to go at the Word of Jesus.

    Every time fear would try to fill my mind, I would hear from within, "She's not dead, but only sleeping." I even thought at one point, "yeah, sleeping in heaven." I would keep my head filled with His Word and the message that He gave me through the sermon. The Bible says that the Word of God is sharper than a two-edged sword (and a sermon preached right before we took the trip included a visual aid of a two-edged sword, so I could picture it cutting the doubt and fear into pieces).

    The girl was 12 years old. I thought: My kitty is a girl and if you take 3 cat years times 4, you get 12 human years of age.

    I reminded myself of Pastor's words that spoke directly to my heart, "Jesus is on the way, He's just stopped along the way." And I remembered Jesus' words, "Don't be afraid, just believe" and "she is not dead, but sleeps."

    I kept reminding myself of all the real problems in the world. The famines, fathers dying in plane crashes and single moms who struggle with daily life, children being killed by gunfire and horrified by wars. How could I even shed a tear over something as trivial as a cat being gone?

    I came to realize that even that was condemnation from the devil, although it sounds pretty spiritual when you rehearse it in your mind.

    The reason it wasn't trivial is because it was my pain and my Daddy in Heaven cares about me just as we are to care about our own children with their trivial hurts. Yes, there are greater sorrows all around us, but even so, our own little sorrows are important to our Lord.

    He keeps every tear drop we shed in a bottle. Isn't that a picture of how much He cares? I have known much greater sorrows in life and shall know many more, as life promises trials and tribulations, but whatever it is that hurts our heart concerns our Heavenly Father just because He loves us that much.

    Humanly I knew I couldn't keep fear out and doubt from overwhelming me and grief of the loss from destroying me. But I had this extremely strange-to-human kind of peace that was radically opposite from what I had experienced all week long grieving for her. Pastor said, "God works from the inside out. The devil works from the outside in." I kept His Word inside me so that it could work from the inside out and I could be free of the fear that would try to attack from the outside in.

    There's no record of Jairus tugging at Jesus to go when the lady tugged on His garments. She'd had the problem for 12 years, couldn't she wait a little longer?

    Jairus had stated when he came to Jesus, "My little daughter is dying. Please come and put your hands on her so that she will be healed and live." Jairus KNEW that his daughter would live.

    From the time I returned home from church I was at peace knowing that my Kitty Girl was okay. Jesus would get to her. At moments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thoug

    A Web Site for Your Small Business: How to Set Up a Website
    Your web site will be your window to the world. Even if you are not selling any product online still you need your customers to access you 24 hours a day 365 days in a year and you can pass important information to them by hosting frequently asked pages, product descriptions, product improvements etc. Your web site will be your office or interface to the world even when you are away in weekends, sleeping at nights or in an important assignment for your next business expansion. Then how to go about it? We will discuss some basic points here.Your domain name: This will be your first step in this direction. Go to www.namecheap.com or www.godaddy.com to book a domain name. Names are not that easy to get so try to get a combination of names best saying about your business or your brand name. If you have a brand name then it is a good idea to book other extensions like .net, .org and other extensions. This way you can prevent cyber squatters from using your brand names.Your hosting Plan: To host your website you need some web space. Market is crowed with hosting companies offering you different packages. The price is paid per month basis and rate varies with service and requirements. If you are not comfortable with all the technical terms like bandwidth, GB space, email etc then contact your web designer or the web programmer to handle the issue. Or go for the lowest one and based on the requirements you can ask for extra facility. Any time you can change your hosting provider if you are not happy with them. To start with you can spend less than $5 per month for hosting. If you have plan to store your customer details, newsletter management, member login etc then you will require database support.
    99, she'd had no interest in human touch until the summer of 1999. She would allow me to rub on her and about a month before the trip, I could even pick her up for about 1/2 a minute before she'd panic to get down. She seemed to be well on her way to accepting me as a special part of her life.

    Return from Costa Rica Getting in at midnight on November 21, we didn't see Kitty Girl anywhere. We had taken a 12-day trip in September and she was there just a little bit after we returned, so we expected to see her in the morning, but didn't. The entire week went by - hour by hour - looking for Kitty Girl. The joy of the trip was greatly dimmed by these circumstances.

    I know daily that it is dangerous in the woods. There's no traffic to worry about, just the natural flow of nature to hunt or be hunted. Having spent time in Costa Rica in a true jungle setting, this understanding was very real to me. I've always believed in house pets, but I don't believe in zoos and wild animals being kept as pets, so I conceded that what was best for her was what life was to her and that was to be wild until she wanted something else. I have truly learned the definition of a feral cat.

    I had no problem allowing God to take her from us for His best in our lives. I could say with rejoicing, "The Lord gives and the Lord takes away. Blessed be the name of the Lord!" However, in my heart, I knew it just wasn't God's way. I would feel so much guilt if she got killed because we weren't here for her.

    So, later in the week I mustered up all the Faith I could find inside me and prayed. I wasn't going to give up and succumb to my worst fears. This was just a continuation of the fear the devil tried to throw in before the trip.

    I felt pretty good for the balance of that day, but was back in tears by the next. I spent more time looking at the porch door where she would sit than anything else I did each day. I called out to the woods throughout the day and throughout the nights. I battled guilt and condemnation with grief-filled tears. Being an "empty-nester" since our only son moved 815 miles away in January, made Kitty Girl something to care for. She had become a more important part of my life than I had realized.

    By Saturday night I felt that there wasn't much hope left since there would be no reason she wouldn't return for food and the warmth and safety of the box with the weather at freezing during the night.

    I had a decision to make! I was torn between desiring to go to church to praise and worship my Lord for who He was and for the love He gave that would cover all the grief I had in this human body - or - to stay home and cry my heart out, with my pride not wanting to possibly break down and cry uncontrollably at church as I'd been doing at home.

    My decision was to go. I needed the Spirit flowing around me and didn't want to let the devil have a winning stroke. I was soon to be reminded that the devil's power is nothing when you put it up against the Power of God.

    I dressed early on Sunday so there wouldn't be any hesitation and I thought about our prayers before we left for the trip. We had prayed over the house, over our land, and over our kitty. We prayed during the trip for protection for all. I began to think of the promises in Psalm 91 that we had always stood on and believed in and remembered those prayers prayed in Faith had always been fulfilled. I just didn't have a peace in my heart to give up hope, but my mind said there wasn't a chance. I had checked with the neighbors and nobody had seen her. I had done everything I could humanly do. My mind wouldn't allow me any hope. But,

    Hope comes from the heart! I knew I would be fine during church, but was confused as to why. The praise and worship time was special and it reaffirmed that whatever went on in life, I could make it through to the other side because I had the hand of the Almighty God in mine.

    Our Pastor was home sick that day, so our Youth Pastor spoke. I began to take notes as usual, and then I realized that this was a message to me ... and as I listened to it, God unveiled His Words to me through Pastor Jimmerson's sermon.

    The Scripture reference began with Mark 5:22 and the story of Jairus asking Jesus to come heal his daughter. On the way a woman with an "issue of blood" stopped Him and He spent time healing her, and then somebody came to tell Jairus that his daughter had already died. Jesus told him, "Don't be afraid, JUST BELIEVE!" I had asked Jesus to help the kitty, to heal her if she was injured, to bring her home, but I kept battling fear, and now I was hearing, "JUST BELIEVE!"

    Pastor said that the devil will plant seeds of doubt and how you view your situation is how it will turn out. The title of the sermon was called, "Your Outlook Determines your Outcome."

    When they got to the daughter everybody laughed when Jesus said she wasn't dead, but only asleep. Pastor mentioned that even death has to go at the Word of Jesus.

    Every time fear would try to fill my mind, I would hear from within, "She's not dead, but only sleeping." I even thought at one point, "yeah, sleeping in heaven." I would keep my head filled with His Word and the message that He gave me through the sermon. The Bible says that the Word of God is sharper than a two-edged sword (and a sermon preached right before we took the trip included a visual aid of a two-edged sword, so I could picture it cutting the doubt and fear into pieces).

    The girl was 12 years old. I thought: My kitty is a girl and if you take 3 cat years times 4, you get 12 human years of age.

    I reminded myself of Pastor's words that spoke directly to my heart, "Jesus is on the way, He's just stopped along the way." And I remembered Jesus' words, "Don't be afraid, just believe" and "she is not dead, but sleeps."

    I kept reminding myself of all the real problems in the world. The famines, fathers dying in plane crashes and single moms who struggle with daily life, children being killed by gunfire and horrified by wars. How could I even shed a tear over something as trivial as a cat being gone?

    I came to realize that even that was condemnation from the devil, although it sounds pretty spiritual when you rehearse it in your mind.

    The reason it wasn't trivial is because it was my pain and my Daddy in Heaven cares about me just as we are to care about our own children with their trivial hurts. Yes, there are greater sorrows all around us, but even so, our own little sorrows are important to our Lord.

    He keeps every tear drop we shed in a bottle. Isn't that a picture of how much He cares? I have known much greater sorrows in life and shall know many more, as life promises trials and tribulations, but whatever it is that hurts our heart concerns our Heavenly Father just because He loves us that much.

    Humanly I knew I couldn't keep fear out and doubt from overwhelming me and grief of the loss from destroying me. But I had this extremely strange-to-human kind of peace that was radically opposite from what I had experienced all week long grieving for her. Pastor said, "God works from the inside out. The devil works from the outside in." I kept His Word inside me so that it could work from the inside out and I could be free of the fear that would try to attack from the outside in.

    There's no record of Jairus tugging at Jesus to go when the lady tugged on His garments. She'd had the problem for 12 years, couldn't she wait a little longer?

    Jairus had stated when he came to Jesus, "My little daughter is dying. Please come and put your hands on her so that she will be healed and live." Jairus KNEW that his daughter would live.

    From the time I returned home from church I was at peace knowing that my Kitty Girl was okay. Jesus would get to her. At moments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thou

    The Myth of the Earnings Yield
    AbstractA very slim minority of firms distribute dividends. This truism has revolutionary implications. In the absence of dividends, the foundation of most - if not all - of the financial theories we employ in order to determine the value of shares, is falsified. These theories rely on a few implicit and explicit assumptions:That the (fundamental) "value" of a share is closely correlated (or even equal to) its market (stock exchange or transaction) price;That price movements (and volatility) are mostly random, though correlated to the (fundamental) "value" of the share (will always converge to that "value" in the long term);That this fundamental "value" responds to and reflects new information efficiently (old information is fully incorporated in it).Investors are supposed to discount the stream of all future income from the share (using one of a myriad of possible rates - all hotly disputed). Only dividends constitute meaningful income and since few companies engage in the distribution of dividends, theoreticians were forced to deal with "expected" dividends rather than "paid out" ones. The best gauge of expected dividends is earnings. The higher the earnings - the more likely and the higher the dividends. Even retained earnings can be regarded as deferred dividends. Retained earnings are re-invested, the investments generate earnings and, again, the likelihood and expected size of the dividends increase. Thus, earnings - though not yet distributed - were misleadingly translated to a rate of return, a yield - using the earnings yield and other measures. It is as though these earnings WERE distributed and created a RETURN - in other words, an income - to the inve
    had in this human body - or - to stay home and cry my heart out, with my pride not wanting to possibly break down and cry uncontrollably at church as I'd been doing at home.

    My decision was to go. I needed the Spirit flowing around me and didn't want to let the devil have a winning stroke. I was soon to be reminded that the devil's power is nothing when you put it up against the Power of God.

    I dressed early on Sunday so there wouldn't be any hesitation and I thought about our prayers before we left for the trip. We had prayed over the house, over our land, and over our kitty. We prayed during the trip for protection for all. I began to think of the promises in Psalm 91 that we had always stood on and believed in and remembered those prayers prayed in Faith had always been fulfilled. I just didn't have a peace in my heart to give up hope, but my mind said there wasn't a chance. I had checked with the neighbors and nobody had seen her. I had done everything I could humanly do. My mind wouldn't allow me any hope. But,

    Hope comes from the heart! I knew I would be fine during church, but was confused as to why. The praise and worship time was special and it reaffirmed that whatever went on in life, I could make it through to the other side because I had the hand of the Almighty God in mine.

    Our Pastor was home sick that day, so our Youth Pastor spoke. I began to take notes as usual, and then I realized that this was a message to me ... and as I listened to it, God unveiled His Words to me through Pastor Jimmerson's sermon.

    The Scripture reference began with Mark 5:22 and the story of Jairus asking Jesus to come heal his daughter. On the way a woman with an "issue of blood" stopped Him and He spent time healing her, and then somebody came to tell Jairus that his daughter had already died. Jesus told him, "Don't be afraid, JUST BELIEVE!" I had asked Jesus to help the kitty, to heal her if she was injured, to bring her home, but I kept battling fear, and now I was hearing, "JUST BELIEVE!"

    Pastor said that the devil will plant seeds of doubt and how you view your situation is how it will turn out. The title of the sermon was called, "Your Outlook Determines your Outcome."

    When they got to the daughter everybody laughed when Jesus said she wasn't dead, but only asleep. Pastor mentioned that even death has to go at the Word of Jesus.

    Every time fear would try to fill my mind, I would hear from within, "She's not dead, but only sleeping." I even thought at one point, "yeah, sleeping in heaven." I would keep my head filled with His Word and the message that He gave me through the sermon. The Bible says that the Word of God is sharper than a two-edged sword (and a sermon preached right before we took the trip included a visual aid of a two-edged sword, so I could picture it cutting the doubt and fear into pieces).

    The girl was 12 years old. I thought: My kitty is a girl and if you take 3 cat years times 4, you get 12 human years of age.

    I reminded myself of Pastor's words that spoke directly to my heart, "Jesus is on the way, He's just stopped along the way." And I remembered Jesus' words, "Don't be afraid, just believe" and "she is not dead, but sleeps."

    I kept reminding myself of all the real problems in the world. The famines, fathers dying in plane crashes and single moms who struggle with daily life, children being killed by gunfire and horrified by wars. How could I even shed a tear over something as trivial as a cat being gone?

    I came to realize that even that was condemnation from the devil, although it sounds pretty spiritual when you rehearse it in your mind.

    The reason it wasn't trivial is because it was my pain and my Daddy in Heaven cares about me just as we are to care about our own children with their trivial hurts. Yes, there are greater sorrows all around us, but even so, our own little sorrows are important to our Lord.

    He keeps every tear drop we shed in a bottle. Isn't that a picture of how much He cares? I have known much greater sorrows in life and shall know many more, as life promises trials and tribulations, but whatever it is that hurts our heart concerns our Heavenly Father just because He loves us that much.

    Humanly I knew I couldn't keep fear out and doubt from overwhelming me and grief of the loss from destroying me. But I had this extremely strange-to-human kind of peace that was radically opposite from what I had experienced all week long grieving for her. Pastor said, "God works from the inside out. The devil works from the outside in." I kept His Word inside me so that it could work from the inside out and I could be free of the fear that would try to attack from the outside in.

    There's no record of Jairus tugging at Jesus to go when the lady tugged on His garments. She'd had the problem for 12 years, couldn't she wait a little longer?

    Jairus had stated when he came to Jesus, "My little daughter is dying. Please come and put your hands on her so that she will be healed and live." Jairus KNEW that his daughter would live.

    From the time I returned home from church I was at peace knowing that my Kitty Girl was okay. Jesus would get to her. At moments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thou

    Investment Required
    No one in their right mind would ever think they could get a business established with no investment. Doing it on the internet is no different than anywhere else, only the access to your business has changed. No longer do you need to have a showroom full of stock, have to hire employees to help your customers, clean the place and worry about all the other things associated with a physical location. The internet has made businesses a true 24/7 operation for a fraction of the cost, but their are still cost to be incurred and it is not for everyone. You can 'do it yourself' with a very low investment at the start or you can invest more and do less, but you will always have to do something. The problem most have is that they invest more than they can afford in the starting stages and run out of funding before they start getting results.You will have to know what you need, compare the cost and get the most you can for your investment.You will have two investments to make and they are money and time.Use what you have in place now to it's up-most and purchase only into what you really need for the other things. Realize that the 'other things' will require money.The amount can only be determined by you, but you must not expect the same results from a $15.00 investment as you would from a $100.00 one. Treat them both the same, do not let the amount itself make it's value to you any the less. If something cost nothing, then expect the same in return. Do not confuse this with a 'Free Trial', as that is something else entirely but do not expect a 'Free Trial' to produce that effectively.Just like you, people 'surf' the internet from the comfort of their home PC's looking for products or services and only see
    ge that He gave me through the sermon. The Bible says that the Word of God is sharper than a two-edged sword (and a sermon preached right before we took the trip included a visual aid of a two-edged sword, so I could picture it cutting the doubt and fear into pieces).

    The girl was 12 years old. I thought: My kitty is a girl and if you take 3 cat years times 4, you get 12 human years of age.

    I reminded myself of Pastor's words that spoke directly to my heart, "Jesus is on the way, He's just stopped along the way." And I remembered Jesus' words, "Don't be afraid, just believe" and "she is not dead, but sleeps."

    I kept reminding myself of all the real problems in the world. The famines, fathers dying in plane crashes and single moms who struggle with daily life, children being killed by gunfire and horrified by wars. How could I even shed a tear over something as trivial as a cat being gone?

    I came to realize that even that was condemnation from the devil, although it sounds pretty spiritual when you rehearse it in your mind.

    The reason it wasn't trivial is because it was my pain and my Daddy in Heaven cares about me just as we are to care about our own children with their trivial hurts. Yes, there are greater sorrows all around us, but even so, our own little sorrows are important to our Lord.

    He keeps every tear drop we shed in a bottle. Isn't that a picture of how much He cares? I have known much greater sorrows in life and shall know many more, as life promises trials and tribulations, but whatever it is that hurts our heart concerns our Heavenly Father just because He loves us that much.

    Humanly I knew I couldn't keep fear out and doubt from overwhelming me and grief of the loss from destroying me. But I had this extremely strange-to-human kind of peace that was radically opposite from what I had experienced all week long grieving for her. Pastor said, "God works from the inside out. The devil works from the outside in." I kept His Word inside me so that it could work from the inside out and I could be free of the fear that would try to attack from the outside in.

    There's no record of Jairus tugging at Jesus to go when the lady tugged on His garments. She'd had the problem for 12 years, couldn't she wait a little longer?

    Jairus had stated when he came to Jesus, "My little daughter is dying. Please come and put your hands on her so that she will be healed and live." Jairus KNEW that his daughter would live.

    From the time I returned home from church I was at peace knowing that my Kitty Girl was okay. Jesus would get to her. At moments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thou

    Servant Leadership: The No-Thunder Approach to Quietly Influencing Others
    What you want done, gets done when you put your people first. They’ll reward the sacrifice you make for them by making your reality, theirs. Start with a vision. Execute with a purpose. Yield the right of way.Relinquish your need for power to control your people and you’ll win the battle for influence. Former U.S. President, Dwight D. Eisenhower observed, “Leadership is the art of getting someone else to do something you want done because he wants to do it.”Ignite great potential in others by deliberately and strategically changing your mission’s aim and its execution to be about them, not you. You’ll exponentially achieve much more through multiplication, than by going solo. One seed falls to the ground, dies, and its capitulation results in production of fruit and more seeds. It is a continuous cycle of regeneration. So it is also to increase influence.Historically, great leaders are first, humble servants. Get things done through others, put people over popularity, and you’ll unleash a force that changes a world. Consider one who did. Of all the jobs he could have chosen, he opted to be a lowly carpenter. Of all the paths he could have traveled, he purposed to walk the road to humility. They wanted him to be a king. He chose to be a servant.Labeled as the “Man of Sorrows” throughout his personal and professional life, he was well-acquainted with routine disappointments, misunderstandings and frustrations. A humble resident of ancient Nazareth, whose life radiated others-oriented sacrifice, he enigmatically became a life-changing influence. He was the epitome of what “One-Minute Manager®” author, Ken Blanchard calls a “Servant Leader” because his mission transformed from the inside
    oments it seemed so impossible that I knew this, that I would stir myself up to a bit of reality. I'd think to myself that it was so long and maybe the Father meant that she would live in Heaven.

    I could tell the difference between the devil feeding me fear and doubt and my mind trying to make me think "sensibly." My thinking was still surrounded with peace and knowing. Fear and doubt would cause me to rise up with His Word and jab it to death. That sword at church was huge and certainly too heavy for me to use effectively. God's Word has so much in it that sometimes we get confused about which Scripture is "right." Just let God show you "your Word" and stand on it and jab away at the devil's promptings.

    You don't need to be a skilled warrior to win the battle. You just need to keep jabbing away. Determination and persistence will get the job done while you remember all the time that Jesus is on the way!

    Pastor said that "criticism is always a part of the supernatural" and I guess I was criticizing myself for being so seemingly senseless. I consider myself a pretty down-to-earth kind of person and live pretty close to the reality realm of life. However, there comes a time when your mind and human thought has nothing to do with life. When your heart KNOWS that God says something is going to happen, you just have to KNOW that it will.

    It's not something that you can do on your own. Maybe it comes down to Faith or Fear. Exact opposites. We all know how much Fear can accomplish in us. We hear a tap on the window while we're alone in the dark and in 10 seconds we can almost kill ourselves from fright before realizing that a pine cone hit the window on its way to the ground.

    I've been working at building Faith and fighting Fear for many years and I guess it's like a muscle. The more you exercise it the stronger it will be. It's just a matter of choice and like all exercise, it's not easy to be consistent. But then what comes easy in life is generally not of much value.

    Choose faith and not fear!

    From the time I got home after church, I was back to the duties at hand. If I passed the door or window I would look, but it didn't control me. I just knew that she'd be back. I pictured her arriving and the knowing allowed me to continue on.

    I was working at my desk in another room when my husband called me to the living room to see Kitty Girl at the door. I can't describe the feelings of that moment. I mentally ran up to my Heavenly Daddy and jumped into His lap to say, "Thank You." As I sat there on the floor petting her and feeling stunned, I had thoughts of how much that "exercise" of my Faith muscle had actually reaped. God will use this to make my prayer and intercession more powerful.

    I've heard a phrase for many years: "What you can believe, you can achieve." Doesn't it all comes down to that! God's power in us can achieve great and mighty things if we just believe in His power. His power is always available. We just don't flip the switch. Can we really can have all of the "desires of our heart" if we just believe in Him?

    Maybe my sharing this piece of my life will make a change in your life that will allow you to see God in a different way. We have a lot of choices to make every day.

    Choose FAITH and not fear!

    "If you believe, you will receive whatever you ask for in prayer." Matthew 21:22

    "Great men are they who see that spiritual is stronger than any material force, that thoughts rule the world." - Ralph Waldo Emerson

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