Actual for You - News and Society

How to Start a Scrapbooking Business
According to the Hobby Business Association, more than 13 million Americans enjoy scrapbooking as a pastime, and in fact, 20% of all "crafters" are part of one of the fastest growing crazes in the U.S. Gone are the days of simple albums and photos taped in. Today, a scrapbook is a work of art, a treasure trove of memories and moments that people preserve for themselves, or create as gifts for others.If you have an artistic flare, and have taken an instructor's course in scrapbooking, you might decide to open a business that can be operated from home, either as evening "parties", or weekend brunch sessions that are conducted in other people's homes, or your own. There are many wholesalers from whom you can buy pre-assembled kits to get the beginner started, although the majority of your profits will come from establishing a relationship with wholesalers so you can supply former students with what they need for new and more ambitious projects.Before jumping into the scrapbooking business, do the same basic research as you would for any other. Investigate how popular it is. Survey friends, family, co-workers and others on whether they are interested in the subject. Find out what supplies can be had locally, or where they can be bought

God speaks to us, not our fleshly man but this new born again man. We can train our spirit to hear and tune into the voice of God. We have been trained all of our life to listen in the natural and sometimes we have to set aside our earthly training and begin to relearn to do things God’s way. This can take time but the rewards are great.

Proverbs 3:5 Trust in the Lord with all your heart, and lean not on your own understanding; 6 in all your ways acknowledge Him, and He shall direct your paths.

I want to encourage you to take the necessary time to learn God’s Word, and to spend time in His presence, and to learn His voice. Don’t allow life’s many distractions from keeping you from this most important part.

Rv:7:17: For the Lamb which is in the midst of the throne shall feed them, and shall lead them unto living fountains of waters: and God shall wipe away all tears from their eyes.

Do you know Jesus as your Lord and Savior? Do you want to be a joint heir with Christ? If so, I urge you to earnestly pray the following prayer.

Dear Heavenly Father, I come to you in the name of Jesus. Your word says, “…and the one who comes to Me I will by no means cast out.” (Jn.6:37),

So I know You won’t cast me out, but You take me in, And I thank you for it. You said in your Word, "whoever calls upon the name of the Lord shall be saved.'' (Ro. 10:13).

I am calling on Your name, So I know You have saved me now, You also said, “…that if you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes to righteousness, and with the mouth confession is made to salvation.” (Ro.10:9,10).

Unsecured Loans: A 'Safe' And 'Secure' Bet For The Borrower
There are times when one needs instant cash for some urgent and unavoidable financial requirements. And the person may not be in a position to put forth an appropriate security against the money to be borrowed.So, what is the solution in such a situation?Unsecured loans present the perfect solution for meeting the urgent financial requirements without the need to submit collateral security. So, an unsecured loan presents a risk-free, fast and convenient means to fulfil small-scale but urgent financial requirements.Unsecured loans have a wider reach as compared to secured loans. Nearly anyone and everyone can apply for these loans. This is possible due to the absence of security requirement for receiving an unsecured loan. So, any person having a good credit history and a stable income is eligible for an unsecured loan.One limitation that you may face while going for unsecured loans is the loan amount approved by the lender. You cannot borrow as much amount of money with an unsecured loan as you can with a secured loan. This is because the lender perceives considerable risk while lending money in an 'unsecured' m

Psalms 119:105 Your word is a lamp to my feet And a light to my path.

God has given His children the awesome privilege of praying for guidance and direction, however if you are seeking guidance all you have to do is pick up your Bible and begin to read it. His Word is a lamp, in other words a spotlight to light our path and give us direction so that we can not only see where to go but where not to go. The light makes things clear and visible so that we will not trip and fall. God has given us His Word for direction and guidance in our everyday walk. Without it, we would surely wander off the path, for we would not be able to clearly see the correct way to go.

The Living Bible says it like this... Psalms 119:105 Your words are a flashlight to light the path ahead of me, and keep me from stumbling.

I like that. He knows where we are to go; after all He is the One leading us isn’t He? If the path is well lit and clearly visible we will be able to see the way and not stumble.

We all know the 23rd Psalm as it is probably one of the best known of all the Psalms. David said this in vs. 3 He leads me in the paths of righteousness For His name's sake.

I want you to consider something. God doesn’t want us to fail. He wants us to succeed.

But we have to follow after Him. We have a choice to stay on the lighted path or we can stumble out into the darkness, the choice is ours. This can happen when we make our own choices based on OUR own wants and desires and not follow the well-lit path. He leads but he will not push us. It is our choice to follow.

He leads us in the paths of righteousness for His name's sake. He has a lot at stake. His Namesake is at stake. You might say what do you mean? We were bought with an incredible price. He has a very big investment in us. He wants us to succeed, but in order for us to succeed we have to follow the lighted path. He’s the One giving us the light to see so we will not stumble and fall. His Word gives us this light. He doesn’t want us to stumble into the darkness, He would not have given us His Word if this were the case would He? His lamp has to be carried by us. We need to know the Word of God in order for It to do us any good. If we don’t know His Word then we don’t have a lamp to guide us. We will most assuredly stumble, for there is no light to see the path set before us. We will be led by emotions and circumstances that can not lead us on the correct path. Being upset and annoyed at our surrounding circumstances is not the leading of the Holy Spirit. People have left Churches because they didn’t like something that has gone on or something somebody said. Being upset is not the leading of the Holy Spirit. We need to grow up and be responsible children of God.

When we need direction and guidance we can always go to the Word of God. There have been so many instances in my life when I needed direction in a certain area and the Holy Spirit would quicken a verse of Scripture that would change my direction. His Word lighted my path. He showed me the way to go when I didn’t know the way. Many times I didn’t even know I had stumbled off the path. He corrected me and set me back on the lighted path. Thank God for His Holy Spirit! Thank God for His Word!

John 16:13 "However, when He, the Spirit of truth, has come, He will guide you into all truth; for He will not speak on His own authority, but whatever He hears He will speak; and He will tell you things to come.

Our Father cares for us even in the smallest areas of our lives. He will show us how to walk after Him if we will take the time to learn His Word and listen.

Without knowing His Word we will have a hard time hearing and following the voice of the Holy Spirit. The Spirit and the Word always agree. One will never contradict the Other. That is impossible. Christians are often seeking after spectacular manifestations of God to show them the way, or to hear the audible voice of God, and will often ignore that still small voice that is on the inside of them. That is the supernatural leading of the Holy Spirit.

There are times when we have to get quiet in His presence and just listen. After all communication is a two way street. How would you like it if someone always came up to you and began speaking without taking the time to hear what you have to say? After a while you would probably get tired of that wouldn’t you? Communication is not only speaking but there should be a lot of listening as well. If you ask for direction and don’t take the time to wait for a reply then you have no one to blame but yourself, besides that would be rude wouldn’t it?

We learn His voice when we learn His Word. Jesus said in Johns Gospel…

John 10:27 "My sheep hear My voice, and I know them, and they follow Me.

We not only hear His voice, He knows us and we follow Him. If we were not able to hear His voice we would not be able to follow Him would we? Jesus said we hear His voice. I know from experience that many modern day Christians would think you are loony if you told them God actually speaks to you, and that you actually hear His voice.

This should be the norm for God’s children, not the abnormal. Why is this so hard to believe? Was Jesus telling the truth when He said My sheep hear My voice? This is a simple yes or no question, He was either telling the truth or He was lying, there is no in between. I believe He was telling the truth. My question is this, then why aren’t most Christians hearing? Since He was telling the truth then the problem has to be with us. Lets just get honest about it, God is doing His part therefore we have to be the ones who need to be doing something different.

There are many things that could stop us from hearing God’s voice. Jesus often said this… "He who has ears to hear, let him hear!'' This statement is said by Jesus 8 times in the Gospels. It is our responsibility to hear.

He said this in the Gospel of Luke in the 8th chapter "But others fell on good ground, sprang up, and yielded a crop a hundredfold.'' When He had said these things He cried, "He who has ears to hear, let him hear!'' He cried, He said this with much emphasis, Listen, Hear. If we won’t hear He can't lead us can He? He has given us the ability to hear or he would not be just in telling us to do that very thing would He? We have spiritual hearing; we just have to learn to tune in. It is in our best interest if we will but listen, Our Heavenly Father wants us to succeed in everything we are given to do hear on the Earth.

Firstly we have already discussed that we have to know the Word. Secondly we have to take the time to listen. Many Christians have never done this and need to learn this very important part of being a follower. We have to understand we do not hear spiritual things with our physical ears, we hear spiritual things through our spirit or inner man. Spiritual things are spiritually discerned. Our spirit has to be trained just like our flesh or mind has to be trained. We have to learn how to hear spiritually.

1 Corinthians 2:14 But the natural man does not receive the things of the Spirit of God, for they are foolishness to him; nor can he know them, because they are spiritually discerned.

We have to be able to tell the difference between God’s thoughts, our thoughts, and the thoughts that come in from outside sources, including the devil. He will put all kinds of thoughts into our mind if we will let him, but we don’t have to let him. When we are born again we become a new creation in Christ Jesus

2 Corinthians 5:17 Therefore, if anyone is in Christ, he is a new creation; old things have passed away; behold, all things have become new. We are a born again spirit that has the life of God dwelling within us. This is where God speaks to us, not our fleshly man but this new born again man. We can train our spirit to hear and tune into the voice of God. We have been trained all of our life to listen in the natural and sometimes we have to set aside our earthly training and begin to relearn to do things God’s way. This can take time but the rewards are great.

Proverbs 3:5 Trust in the Lord with all your heart, and lean not on your own understanding; 6 in all your ways acknowledge Him, and He shall direct your paths.

Rv:7:17: For the Lamb which is in the midst of the throne shall feed them, and shall lead them unto living fountains of waters: and God shall wipe away all tears from their eyes.

Do you know Jesus as your Lord and Savior? Do you want to be a joint heir with Christ? If so, I urge you to earnestly pray the following prayer.

Dear Heavenly Father, I come to you in the name of Jesus. Your word says, “…and the one who comes to Me I will by no means cast out.” (Jn.6:37),

So I know You won’t cast me out, but You take me in, And I thank you for it. You said in your Word, "whoever calls upon the name of the Lord shall be saved.'' (Ro. 10:13).

SPX Volatile Trading Range
The first chart below is an SPX daily chart (candlesticks and right scale) and NYSE Oscillator 50-day MA (red line and left scale) comparison chart. In Oct, the NYSE Oscillator 50-day MA fell to negative 25. In Jan, three months later, the Oscillator's 50-day MA rose over 50 points to 25 on a strong SPX rally and uptrend. Over the past three months, the Oscillator's 50-day MA fell to negative nine, while SPX continued the uptrend. The two circles show somewhat similar consolidation periods and the first circle is a support area for a potential SPX pullback. SPX major resistance is the upper Bollinger Band, currently 1,317. It's more likely SPX will begin a pullback from around 1,317 than rise to around 1,330 first, which the first circle suggests.The second chart is a NYSE Oscillator 50-day MA (red line and right scale) and SPX daily performance (blue line and left scale) comparison chart. Remarkably, SPX's daily performance is highly correlated with the Oscillator's 50-day average performance (also shown in first chart). The second chart shows that the six times the Oscillator's 50-day MA rose to about 25 or higher, it eventually fell to about negative 20 or lower. Moreover, the second half of the Oscillator's 50-day MA downtrend more oft

not stumble and fall. His Word gives us this light. He doesn’t want us to stumble into the darkness, He would not have given us His Word if this were the case would He? His lamp has to be carried by us. We need to know the Word of God in order for It to do us any good. If we don’t know His Word then we don’t have a lamp to guide us. We will most assuredly stumble, for there is no light to see the path set before us. We will be led by emotions and circumstances that can not lead us on the correct path. Being upset and annoyed at our surrounding circumstances is not the leading of the Holy Spirit. People have left Churches because they didn’t like something that has gone on or something somebody said. Being upset is not the leading of the Holy Spirit. We need to grow up and be responsible children of God.