HEllo...a simple word with a deep meaning. Saying this word would mean a lot of things, whether it be saying Hello to a friend, answering a phone and a lot of other things...Weel anyway, im new in this site and im hoping that i could say hello to a new me. I'm saying hello to expressing my thoughts and my views,to improving my writing and to be a better me and a better writer in the future... Well, this is it then....HELLO!!

It's Saturday, April 5th, here in Waukesha, Wisconsin. I've been here 13 years now, and it's hard to believe this floridian has been here that long without going crazy... James

“Men fail not because they heard the wrong voice but because they ignored the right voice—the voice of the Holy Spirit” There will never be a day in our lives that we will never hear the right voice. It can be through God’s audible voice, through the inner voice, through our conscience, through our mentors, through our parents, through someone else, through the revealed will of God—the Bible. If we are going to interview people who failed we will realize that there’s a voice/advice that they have ignored. It is not Delilah that lead Samson to failure it is Samson’s decision to ignore the advice of his parents that lead him to failure. Even Jezebel and Absalom have heard the voice of God thru His prophets yet they have chosen to ignore it…the rest is history. I can still remember all the failures, hurts, struggles and sorrows I have experienced are because I have ignored the unrecognized whisper of the Holy Spirit, inner conviction, very quick idea, many advices of my mom, etc.. trying to comprehend and be logical as possible based on my own reasons which I believe is better that what I’ve heard and chosen to ignore… I also remember before, I just love to spend time in the presence of God because I felt so much joy and satisfaction I could not explain and nothing could ever surpassed it. I grabbed every opportunity just to be with Him. Especially during revival years at COP (1995-2000) whenever there’s an altar call, I don’t care what group they are calling I just slipped into the platform just to be laid hands by pastor and enjoy “carpet time” with Him. I told God I don’t want to missed the voice of the Holy Spirit I will really follow it for I know that’s the best for me. So I kept on asking God to let me hear His voice. I am expecting that God will just whisper to my ears and reveal to me His will for my life. Give me every instruction I will ever need in life. Although I have received vision from Him of His promises for me for my future such as “He will make me the head though I don’t deserve it just by looking with my abilities, He will make me prosperous and I will have more than enough to be a channel of blessings, That all things will work good for me no matter how negative and ugly the situations seem to be, That His light will shine through me…” I know He unfolded to me the future He has for me. But I am expecting that He will just tell me everything, every detail that I need to know to experience the life that He wants me to have without knowing that He is already telling me everything that I need to know and I need to do through my mom who I always grieve by not following her advices. I did not recognize the voice of the Holy Spirit thru her so I missed all the blessings of obedience…If I just obeyed every instruction of my mom whom the Holy Spirit chosen to reveal everything I need to do…I should never gone through those experiences… The Holy Spirit whispers to our ears His plans. He urged us through the inner conviction. He guides us by giving us ideas and pictures of the futures He want us to have. He protects us through His words, revealed will—the bible. He guides and leads and gives us instructions through our mentors, our parents, those who are in the mantle of authority over us, those God sends to let us know His will. We must recognize them. The Holy Spirit will not tell us in the secret place what He can tell through the people around us. He will not bypass those who are in authority over us. He is a God of order. He will not contradict His laws.

It was Saturday November 26, 2005. We were dismissed early since our professor for the last subject was not around so I decided to visit the place of my biological mother who just died a month ago from that time. So I went on my way to Pasig. To finally reach the place I have to ride in a tricycle, be patient in waiting for more passengers to fill it up and to wait for a quite long journey. While waiting for other passengers, I took my book and read so as not to waste my time. Before I can turn to the next page, the guy beside me talks to me. At first I was hesitant to talk to him since he is a stranger but when I stared at him I told to myself maybe If I talk to this guy I can learn a lot because he looked smart and respectable. He started the conversation by asking me if I am a teacher so I told him I am still completing the Professional Teaching units in order to qualify to take the LET. He asked me then of my course in college I told him that I am an Accountancy graduate of PUP. Upon hearing my reply he opened up the story of his family since his daughter is a CPA and is now connected to a well known company thus encouraged me to take the exam and never give up. He narrated to me that He has four children and all of them are now professionals. He is a retired military and he experienced all the difficulties of being a military yet he promised himself that he will not destroy his family but instead he will establish a happy and all sufficient family. I asked him of the secret for having a happy, prosperous and successful family for that is what I want to have. He answered me that the only secret is to make God the center of your family since He is the center His will is the basis for every decision and action to be taken. If such devotion to God is obtained then everything will just follow. Put into practice what has been taught and learned. Though he has an opportunity to migrate to US because his parents and siblings are already there, he decided to stay here and serve our nation. According to him if the mindset of all Filipinos will be to migrate in order to escape the crisis here in our country, then the progress of the nation will really suffer. He quoted a certain passage in the scripture that during the Old Testament time (Daniel’s time) one of the ways of destroying and conquering a nation by another nation is by removing the key people, those who are wise and educated from the conquered nation and using their abilities for the conqueror’s nation. For him, life would be meaningless if you don’t fulfill the purpose why you are living. He mentioned that you will never miss the reason why you are living if you are in tune with God’s guidance. Since I already reached my destination, we part ways. Maybe if I was given the chance to talk to him longer I would learn all the things that I should learn for a lifetime. Based on our short conversation, I can say that he is an extraordinary person. He has a servant heart that is willing to serve although he is not recognized or commended for doing so. He is so faithful in carrying out his duties even nobody was looking at him. Most of all he has strong faith in God that kept him going. I do believe there’s a reason why I met that stranger. I know God has communicated to me something through him although I was not able to know his name and contact I will never forget the impact he created in my life. I’ve learned that we have to remain faithful in carrying out our duties and purpose for living even no one can recognize or appreciate it for God will reward such acts even the little good things we are doing. Somehow I was enlightened that my dream of having a happy, prosperous, and successful family is attainable as long as I remain faithful to God. Patriotism has been awakening in my being after the conversation took place. I told myself that I want to have a servant heart like that stranger encompass.

Is this your life? There was a farmer who raised a hen and a chick. One day, while hunting in the forest, he found a nest; in it was an eagle’s egg. He brought it home to brood with the hen’s eggs. After hatching, the chicks grew up together, learning and experiencing the same kind of life. We know that the life of a chick is different from an eagle. The chick roams around picking up worms and thrown-out grains, loves to play in the dirty mud and drainage, which is oftentimes the source of his food and water. The chick is weak and vulnerable to sicknesses and diseases. On the other hand, the eagle is the ruler of the air, it flies freely and sails without limit. It can fly and soar above every storms and typhoons. The eagle eats fresh fruits and drinks clean spring water. It is strong, courageous, and powerful. Why did the young eagle experienced the lowly life of a chick? IT IS BECAUSE THE YOUNG EAGLE WAS SEPARATED FROM HIS FATHER. One day, when the chick and the young eagle were in the fields, they heard a sound and saw a GIGANTIC EAGLE flying above them. The eagle mightily rose up his voice and whistled out loud. When the young eagle heard the strange voice, HIS HEART GOES OUT WITH HIM, for he used to hear only the voices of the chick and the hen. Again, the eagle whistled even louder. This time the young eagle came to recognize the voice and understood in his heart that it was his father saying: "SON, COME TO ME. I AM YOUR FATHER WHO HAS BEEN SEEKING FOR YOU SINCE THE DAY YOU WERE SEPARATED FROM ME". Immediately, he began to flap his wings and started to fly to meet his father. His father took him to himself to be with him forever. SINCE THEN, THE YOUNG EAGLE LIVED THE ABUNDANT LIFE PREPARED FOR HIM; fresh fruits, clean spring water, freedom to fly and soar, reigning and ruling in the air with his father. Like the young eagle that was separated from his father by that farmer, you were separated from God by the devil and you experienced a life that is not destined for you. God is calling you to come to him. Do you want to be saved and be freed from the turmoil of life? RECEIVE JESUS AS YOUR LORD AND SAVIOR, John 14:6; Acts 4:12 . In Him you will find His peace, John 14:27. He is your great physician, 1 Peter 2:24. He is willing and able to give your wealth and abundant life, 2 Corinthians 8:9. He is your light, He will guide and direct all your ways, John 1:9. You need to establish a right relationship with God and receive everlasting life to rule and reign with Christ Jesus forevermore. Follow this prayer and say it with all of your heart: Lord Jesus, forgive me from all of my sins since the day I was born until now. I renounce and reject Satan and his works and every evil deed I’ve done in my life. Forgive my ignorance about you and your word, and my foolishness in idol worship. I am now surrendering my life to you. I receive you as my Lord and Savior. Thank you for the love and mercy you gave me and my family. I will obey your word and live according to your perfect will. I will not fail you, and I will praise your name forevermore.

How to Pray Effectively? Carry with you the heart of God Be filled completely with God’s love Allow God to love through you Be filled completely with the Holy Spirit How to be wise? 1. Love God’s word; meditate on it day and night. 2. Apply the principles God taught you – everything that you’ve learned 3. Keep on updating yourself with spiritual things – Keep on reading Holy Spirit filled books Keep on loving wisdom, ideas and the Holy Spirit- Be possessed by the great teacher. 4. Be teachable – Do not argue with what God is pointing you. Just do what He tells you. Obey first before you complain – you will see that after you obey It is for your own benefit 5. Stop acting like a child; walk with integrity; act with wisdom; stay focus with God’s word, His presence and with His instructions. 6. Choose the mentors who are known to be Holy Spirit filled person therefore are wise. 7. Be a mentor; share what you have; teach what you’ve learned. How to be Successful and Prosperous? 1. Read God’s word; meditate on it day and night; have a hunger for it; desire to digest it completely; love it and apply the principles you’ve learned - share it. 2. Be possessed by the Holy Spirit 3. Follow all God’s instructions, revealed will, and personal instructions. Help someone to be successful and to be prosperous. 4. Apply the seedtime and harvest principle regularly. 5. Be willing and be prepared to receive your promotion and additional responsibilities. 6. Prepare your heart for it. 7. Live a humble life. Allow God to be glorified in everything. Do not take the glory which is intended for Him. 8. Claim your harvest; claim your success; claim your prosperity. 9. Give your very best in all the tasks God is giving you. 10. Improve on your weaknesses; surrender to God your weaknesses and completely remove the ignorance in your life. 11. Work wisely, move wisely; speak wisely; act wisely; think wisely; decide wisely; love wisely. 12. Be a good steward of all that God have entrusted to you. 13. Take care of the things God has entrusted you. 14. Allow God to work in your heart and life. Surrender your life to God completely. 15. Be true to your words’ be obedient/submissive to authorities/laws regulations. Be on time. You have to speak right. You have to confess the words of God no matter what the situation is.

hi, peace jaya ho !

Steps to Follow for School Loan Consolidation Before getting your school loan consolidated, you need to have thorough information about school loan consolidation process. The main aim of school loan consolidation programs is to handle your finances proficiently by offering you number of flexibilities and advantages. These loans make it convenient to make your payments to one lender and improve your credit scores by reducing monthly payments. Loan consolidation programs are meant to create new consolidated loans and to bring multiple loans under one debt. These programs make your loan repayment possible by combining several types of educational loans into one new loan. The major benefit of loan consolidation is the low interest rate which make borrower's less likely to default on a loan. The monthly payment amount on a consolidated loan is usually low and you are permitted to make your payments once in the month. Additionally, the amount of time to repay may be extended beyond what was offered in last loan programs. These features make the payment of your loans more convenient and manageable. After taking your decision to get your school loan consolidated, you need to see which category you fall in. • Both students and parents are eligible to get their loans consolidate but not under one package. • Married students cannot get their loans consolidate together. Each of the spouses is responsible individually for the payment. • You can consolidate your school loan during your grace period, but not if you are still in school. • Loans that are in default can be consolidated but should have a satisfactory repayment arrangement. Before getting your loans consolidate, you need to find how many consolidation programs are available and which will suit your credentials the most. The two major types of loans are; federal consolidation loans and private consolidation loans. Federal consolidation loans are further divided into two major categories, namely, Federal Family Education Loan (FFEL) program and the Federal Direct Loan program. Federal Family Education Loan program offers loan from private lenders. These loans are guaranteed by the guarantors and reinsured by the federal government. 4 types of federal consolidation loans are available: 1. Stafford (Subsidized): In this loan the interest being accumulated is paid by the federal government. 2. Stafford (Un-subsidized): The interest that is being accrued is payable by the student even if he is enrolled in school. 3. PLUS: These loans can be used by the parents with a good credit history, so they can pay for their child's educational expenses. 4. Perkins: These low interest rate loans are suitable for needy children who want to continue their education. US department of education have introduced Federal direct Loans for the convenience of the students. This program offers the following loans: 1. Direct Subsidized Consolidation Loans: These loans are eligible for interest subsidies, such as subsidized FFELP and Direct Loans, and Federal Perkins Loans. 2. Direct Unsubsidized Consolidation Loans: These loans are not eligible for interest subsidies. If you want any of your unsubsidized loans to be consolidated, then you will receive an Unsubsidized Direct Consolidation Loan. 3. Direct PLUS Consolidation Loans: These loans combine FFELP PLUS and Direct PLUS loans. After selecting a good consolidating package, you need to look for a trustworthy lender. It is of vital importance to find out about the reputation and credibility of the consolidating company you are going to deal with. Here are few relevant questions which will help you evaluate the status of the company. • What are the special features of their consolidating package? • Since how many years they have been in this business? • What benefits or discounts the company offers? • Their consolidation program is enrolled under federal loan or the private loan? • How much do they charge for the application processor is it free of cost? After selecting a consolidating company according to your requirements, ask for their information package either by post or by e-mail. If you agree to their terms and conditions mentioned in the form, sign it and send it back to the company. Then the company verifies your pending debts from your previous lender. They send the check of the amount payable by you after receiving a verification certificate from the lender. Article Source: http://EzineArticles.com/?expert=Azmat_Batool

Consolidating Student Loans Can Be A Great Decision Student Loan Consolidation may be the best decision for a lot of you out there and here are some benefits that you can find from getting your loans consolidated. One of the first benefits is that you could save potentially thousands of dollars in student loan interest fees during the period in which you have the loan. This can be done by locking in some solid fixed interest rates so that you can spend that money on other bills in your life instead of spending a lot of your income on a student loan for college. This can be a great decision coming out of college because let's be honest you are looking to start your life and you want to make a solid income and not have to worry about your hard earned money going into paying more student debt. Another option is to take the money and put a down payment on a house or to start a business and invest into overhead for your business opportunity. Allow for your money to work for you instead of having to pay off more interest and debt. You can create a tax-deductible opportunity here by consolidating your loans and save a lot of money come tax season. Another option that you have is that you can earn an even lower interest rate through deferment or forbearance options. It can be extremely difficult coming out of college with a mound of debt and trying to pay the monthly bills at the same time. All of life's experiences can be a huge challenge to a young person trying to find their way in life. It is so important that you are not running in circles with your financial situation in life and you are able to enjoy a lot of the blessings that life gives you with your family. Many also offer no prepayment penalties so you can pay off your loans a lot sooner and dig into the principle debt instead of worrying about years and years before it is finally paid off. You got a college degree to get good earning power to take care of that useless debt. Let's be honest the last thing you want to do is worry about helping your kids with student debt while you are still paying off your own student loans. This could be an intelligent way to teach your kids on how to deal with debt for their future education that they will have to deal with. So look at your options, a student loan consolidation program isn't for everyone, but it can help out if you find yourself in a deep hole and you find the right company to help you out. Beware that there are companies out there that are looking to back you into a corner and force you to pay high interest rates using predatory lending techniques. You can avoid this by reading the terms and conditions and making sure that you are working with a company that out for your best interest. Court writes about student loans consolidation program and other business topics including loans, sales, and personal development. Article Source: http://EzineArticles.com/?expert=Court_Tuttle

Hello everyone!