#0002269

ON INVESTING INSTRUMENTS BY BANKS: RISK HAS TO BE DIVERSIFIED OVER MULTIPLE CLASSES OF SECURITIES VERSUS TAKING A DIRECTIONAL BET...-Meredith Whitney, Bloomberg..........1Cor3:12-15 "Anyone who builds on that foundation may use a variety of materials--gold, silver, jewels, wood, hay, or straw. But on the judgement day, fire will reveal what kind of work each builder has done. The fire will show if a person's work has any value. If the work survives, that builder will receive a reward. But if the work is burned up, the builder will suffer great loss. The builder will be saved, but like someone barely escaping through a wall of flames."

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#0002270

"Through Christ you have come to trust in God. And you have placed your faith and hope in God because He raised Christ from the dead and gave Him great glory(1Pet1:21). You were cleansed from your sins when you obeyed the truth, so now you must show sincere love to each other as brothers and sisters. Love each other deeply with all your heart(v22). For you have been born again, but not to a life that will quickly end. Your new life will last forever because it comes from the eternal living word of God(v23). As the Scriptures say, 'People are like grass; their beauty is like a flower in the field. The grass withers and the flower fades(v24). But the word of the Lord remains forever(v25). And that Word is the Good News that was preached to you(v26)."

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#0002271

Experience suggests it doesn't matter so much how you got here, as what you do after you arrive...- Lois McMaster Bujold.........1Pet2:1-3 "So get rid of all evil behavior. Be done with all deceit, hypocrisy, jealoousy, and all unkind speech. Like newborn babies, you must crave pure spiritual milk so that you will grow into a full experience of salvation. Cry out for this nourishment, now that you have had a taste of the Lord's kindness."

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#0002272

Conscience is the inner voice that warns us somebody may be looking...-HL Mencken.....Prv2:2-4 "Tune your ears to wisdom, and concentrate on understanding. Cry out for insight, and ask for understanding. Search for them as you would for silver; seek them like hidden treasures."

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#0002273

Freedom is not worth having if it does not include the freedom to make mistakes...- Mahatma Gandhi.....Eph4:32 "Be ye kind one to another, tender-hearted, forgiving one another, even as God for Christ's sake hath forgiven you."

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#0002274

" . . . 'Then who in the world can be saved?' they asked(Mark10:26). Jesus looked at them intently and said, 'Humanly speaking, it is impossible. But not with God. Everything is possible with God(v27).' Then Peter began to speak up. 'We've given up everything to follow you,' he said(v28). 'Yes,' Jesus replied, 'and I assure you that everyone who has given up house or brothers or sisters or mother or father or children or property, for My sake and for the Good News(v29), will receive now in return a hundred times as many houses, brothers, sisters, mothers, children, and property--along with persecution. And in the world to come that person will have eternal life(v30). But many who are the greatest now will be least important then, and those who seem least important now will be the greatest then(v31)."

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#0002275

"Go ye . . . into the vineyard, and whatsoever is right I will give you(Mat20:4).- The generous will prosper; those who refresh others will themselves be refreshed(Prv11:25).- Because of God's grace to me, I have laid the foundation like an expert builder. Now others are building on it. But whoever is building on this foundation must be very careful. For no one can lay any foundation other than the one we already have--Jesus Christ(1Cor3:10,11)."

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#0002276

"Share your food with the hungry, and give shelter to the homeless. Give clothes to those who need them, and do not hide from relatives who need your help(Isaiah58:7). Then your salvation will come like the dawn, and your wounds will quickly heal. Your godliness will lead, and the glory of the Lord will protect you from behind(v8). Then when you call, the Lord will answer. 'Yes, I am here,' He will quickly reply. 'Remove the heavy yoke of oppression. Stop pointing your finger and spreading vicious rumors(v9)! Feed the hungry, and help those in trouble. Then your light will shine out from the darkness, and the darkness around you will be as bright as noon(v10). The Lord will guide you continually, giving you water when you are dry and restoring your strength. You will be like a well-watered garden, like an ever-flowing spring(v11). Some of you will rebuild the deserted ruins of your cities. Then you will be known as a rebuilder of walls and a restorer of homes(v12).'

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#0002277

A kept promise is more powerful than a brilliant remark or a stunning observation...- Peter Reese, Hope Is The Harvest..........Exodus14:13 "Stand firm and you will see the deliverance the Lord will bring you."

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#0002278

Honor. A gift anyone can give no matter what the occasion...- Peter Reese, Hope Is The Harvest........1Cor12:22-26 "In fact, some parts of the body that seem weakest and least important are actually the most necessary. And the parts we regard as less honorable are those we clothe with the greatest care. So we carefully protect those parts that should not be seen, while the more honorable parts do not require this special care. So God has put the body together such that extra honor and care are given to those parts that have less dignity. This makes for harmony among the members, so that all the members care for each other. If one part suffers, all the parts suffer with it, and if one part is honored, all the parts are glad."

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#0002279

Emotions are good followers but unreliable leaders...- Peter Reese, Hope Is The Harvest.....Prv2:6,7 "For the Lord grants wisdom! From his mouth come knowledge and understanding. He grants a treasure of common sense to the honest. He is a shield to those who walk with integrity."

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#0002280

Gratitude. Appreciation taken to the next level...- Peter Reese, Hope Is The Harvest..............Gal6:7-10 "Don't be misled--you cannot mock the justice of God. You will always harvest what you plant.. Those who live only to satisfy their own sinful nature will harvest decay and death from that sinful nature. But those who live to please the Spirit will harvest everlasting life from the Spirit. So let's not get tired of doing what is good. At just the right time we will reap a harvest of blessing if we don't give up. Therefore, whenever we have the opportunity, we should do good to everyone--especially to those in the family of faith."

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#0002281

"The Spirit itself beareth witness with our spirit, that we are the children of God(Rom8:16).- Ye have not received the spirit of bondage again to fear; but ye have received the Spirit of adoption, whereby we cry, Abba, Father(Rom8:15).- And the Holy Spirit helps us in our weakness. For example, we don't know what God wants us to pray for. But the Holy Spirit prays for us with groanings that cannot be expressed in words. And the Father who knows all hearts knows what the Spirit is saying, for the Spirit pleads for us believers in harmony with God's own will. And we know that God causes everything to work together for the good of those who love God and are called according to His purpose for them(Rom8:26-30).- I pray that God, the source of hope, will fill you completely with joy and peace because you trust in Him. Then you will overflow with confident hope through the power of the Holy Spirit(Rom15:13)."

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#0002282

Finishing well is not something that you do at the end of your life--it is what you determine to do every day of your life. You do not finish well accidentally. Determine now that you will finish well or die trying--which, in the end, is really what it means to finish well...- Neil Cole, Journeys To Significance.....Philippians3:13,14 "One thing I do: forgetting what lies behind and reaching forward to what lies ahead, I press on toward the goal for the prize of the upward call of God in Christ Jesus."

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#0002283

Life is too short to spend your precious time trying to convince a person who wants to live in gloom and doom otherwise. Give lifting that person your best shot, but don't hang around long enough for his or her bad attitude to pull you down. Instead, surround yourself with optimistic people...- Zig Ziglar........Numbers6:24-26 "May the Lord bless you and protect you. May the Lord smile on you and be gracious to you. May the Lord show you His favor and give you His peace."

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#0002284

You are up against a wall in a certain situation, and nothing seems to come together. You question if God's Spirit had ever been prompting you from the beginning, or if it had all been your own idea that you just badly wanted to be God's will. How do you solve your dilemma? As you ponder and evaluate the situation, you must first examine your own motives. Sometimes we push ahead, convincing ourselves that we are doing God's will when in reality, the whole thing was our plan--not His. Or sometimes things don't come together because God has already closed the door. Your dream may have been thwarted because God is saving you from something you ought not to do. Don't doubt God. Pray to Him for protection and submit to Him...- Sala, Refuge and Srength.....Isa30:15 "This is what the Sovereign Lord, the Holy One of Israel says: 'Only in returning to Me and resting in Me will you be saved. In quietness and confidence is your strength'. . ."

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#0002285

Mercy and compassion are international languages which do not require a translator...- Peter Reese, Hope Is The Harvest.....Psalm47;3 "He subdues the nations before us, putting our enemies beneath our feet."

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#0002286

Tenderness demonstrates the strength of forbearance...- Peter Reese, Hope Is The Harvest..........Psalm23:1,2 "The Lord is my Shepherd; I shall not want. He maketh me to lie down in green pastures: He leadeth me beside the still waters."

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#0002287

The shifts of fortune test the reliability of friends...- Cicero.....Mat28:18-20 "Jesus came and told his disciples, 'I have been given all authority in heaven and on earth. Therefore, go and make disciples of all the nations, baptizing them in the name of the Father and the Son and the Holy Spirit. Teach these new disciples to obey all the commands I have given you. And be sure of this: I am with you always, even to the end of the age."

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#0002288

When it's all over, it's not who you were. . . it's whether you made a difference...- Robert Dole..........James3:13 "Are there people among you who are wise and understanding? They are to prove it by their good lives, by their good deeds performed with humility and wisdom."

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#0002289

"If you are wise and understand God's ways, prove it and live an honorable life, doing good works with the humility that comes from wisdom(James3:13). But if you are bitterly jealous and there is selfish ambition in your heart, don't cover up the truth with boasting and lying(v14). For jealousy and selfishness are not God's kind of wisdom. Such things are earthly, unspiritual, and demonic(v15). For wherever there is jealousy and selfish ambition, there you will find disorder and evil of every kind(v16). But the wisdom from above is first of all pure. It is also peace loving, gentle at all times, and willing to yield to others. It is full of mercy and good deeds. It shows no favoritism and is always sincere(v17). And those who are peacemakers will plant seeds of peace and reap a harvest of righteousness(v18)."

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#0002290

"What good is it, dear brothers and sisters, if you say you have faith but don't show it by your actions? Can that kind of faith save anyone(James2:14)? Suppose you see a brother or sister who has no food or clothing(v15), and you say, 'Good-bye and have a good day; stay warm and eat well'--but then you don't give that person any food or clothing. What good does that do(v16)? So you see, faith by itself isn't enough. Unless it produces good deeds, it is dead and useless(v17). Now someone may argue, 'Some people have faith; others have good deeds.' But I say, 'How can you show me your faith if you don't have good deeds? I will show you my faith by my good deeds(v18)."

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#0002291

Never let mistakes or wrong directions, of which every man falls into many, discourage you. There is precious instruction to be got by finding where we were wrong...-Thomas Carlyle.....Proverbs21:5 "Good planning and hard work lead to prosperity, but hasty shortcuts lead to poverty."

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#0002292

Compassion. A gift rarely possessed or displayed...- Peter Reese, Hope Is The Harvest.............Psalm36:7 "How precious is your unfailing love, O God! All humanity finds shelter in the shadow of your wings."

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#0002293

Just close your eyes and open your heart/ And feel your worries and cares depart./ Just yield yourself to the Father above,/ And let Him hold you secure in His love./ Helen Steiner Rice.....Psa31:19 "Howgreat is the goodness you have stored up for those who fear you. You lavish it on those who come to you for protection, blessing them before the watching world. You hide them in the shelter of your presence, safe from those who conspire against them. You shelter them in your presence, far from accusing tongues."

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#0002294

Always Now. The grace you had yesterday will not do for to-day. Grace is the overflowing favour of God; you can always reckon it is there to draw upon. "In great endurance; in troubles, hardships and distresses."--that is where the test for patience comes. Are you failing the grace of God there? Are you saying--Oh, well, I won't count this time? It is not a question of praying and asking God to help you; it is taking the grace of God now. We make prayer the preparation for work, it is never that in the Bible. Prayer is the excercise of drawing on the grace of God. Don't say--I will endure this until I can get away and pray. Pray now; draw on the grace of God in the moment of need. Prayer is the most practical thing, it is not the reflex action of devotion. Prayer is the last thing in which we learn to draw on God's grace...- Chambers, My Utmost For His Highest.....2Cor6:1 "We urge you not to receive God's grace in vain."

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#0002295

"The blessing of the Lord makes a person rich, and He adds no sorrow with it(Proverbs10:22).".....God supplies most people with the personal and financial abilities to respond to the needs of others. If we all realized how God has blessed us, and if we all used our resources to do God's will, hunger and poverty would be wiped out. Wealth is a blessing only if we use it in the way God intended...- Tyndale, NLT Life Application Bible...

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#0002296

"So now there is no condemnation for those who belong to Christ Jesus(Romans8:1). And because you belong to Him, the power of the life-giving Spirit has freed you from the power of sin that leads to death(v2). The law of Moses was unable to save us because of the weakness of our sinful nature. So God did what the law could not do. He sent His own Son in a body like the body we sinners have. And in that body God declared an end to sin's control over us by giving His Son as a sacrifice for our sins(v3). He did this so that the just requirement of the law would be fully satisfied for us, who no longer follow our sinful nature but instead follow the Spirit(v4).”

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#0002297

Give light, and the darkness will disappear of itself...- Desiderius Erasmus......Proverbs11:25 "The generous will prosper; those who refresh others will themselves be refreshed."