Make the Connection!

The Federal Reserve data reveals a stark divide in the experiences of white, black and Hispanic households during the economic recovery.  From 2010 to 2013, the median wealth of non-Hispanic white households increased from $138,000 to $141,000, or by 2.4%.  Meanwhile, the median wealth of non-Hispanic black households fell 33.7% from $16,600 in 2010 to $11,000 in 2013.  Among Hispanics, median wealth decreased by 14.3%, from $16,000 to $13,700.  For all families --- white, black and Hispanic --- median wealth is still less than its pre-recession level.


A number of factors seen responsible for the widening of the wealth gaps during the economic recovery.  As the Federal Reserve notes, the median income of minority households (blacks, Hispanics and other non-whites combined) fell 9% from its 2010 to 2013 surveys, compared with a decrease of 1% for non-Hispanic white households.  Thus, minority households may not have replenished their savings as much as white households or they may have had to draw down their savings even more during recovery.


There are a few things you can do to begin your journey to success:

  • EDUCATE YOURSELF- Get serious about finding a place to start.  When talking about wealth, we are referring to everything you can claim as an asset, including savings accounts, your home and all your investments.  With wealth, you can gain access to better financial opportunities.  It can mean having money to invest when stock prices are low, as they were in the past.  It can also qualify you for more favorable loan rates or allow you to avoid borrowing altogether.
  • INCREASE OWNERSHIP.  INCREASE YOUR VALUE.  Buy your home rather than rent.  There are lots of homes available.  If you are not sure of your credit worthiness, stop what you're doing and find out exactly where you stand.  The money you spend to rent could be put to good use on your new home.  Do not allow fear to stop you from seeking financial information from resources such as banks, financial planners, neighbors or coworkers.  Take a look at people around you.  Find those who are succeeding financially and ask them for information on how you too, can succeed financially.  If you cannot find anyone in your circle of influence, you may need to reconsider your circle and look a little further for others who can help you build your assets.                                                                                                                                                                                                         The bottom line is, we can do better.  Regardless of the fact that other ethnicities often have somewhat of a "head start" over African Americans, we CAN do better.  Open a bank account and begin putting money in it right away.  It takes discipline to do something different.  One good action leads to another great action.  Start somewhere.  Start now.

WEALTH:  The Gap Between Blacks, Whites and Hispanics

​It’s important to have a daily routine.  Get up in the morning, meditate, pray, confess, journal or make a list of things you need to take care of that day.

Start doing that each and every day of your life.  Also, at the very end – when you’ve finished – make a list of things you are grateful for; things that you are thankful for.  


Decide that there is going to be order in every area of your life.  Decide that you’re going to go in one day to work on a particular area; that you’re going to work on the closet.  Take 1 ½ to 2 hours, get that done and devote time to that project once a week or on that same day…and do it until it is complete.  After that, be sure that everything has a place and you make sure to put it in its place.

It is time to establish ORDER in every area of your life. 
  


Read FULL ARTICLE in Print

Empowerment Coach 

PASTOR NAOMI

Wife, Pastor, Empowerment Coach, Author  

Establish ORDER

in Every Area of Your Life

SUBMISSION:  HOW SEXY IS THAT?  continued from What's Inside


Your family suffers and may not be fruitful or stable with wrong teachings and comprise.  But where it counts and is developed is at your house…around your table.

The image of the family has been inundated with false teachings that lead away from God instead toward him.  Society has compromised godly standards and accepted lies that have destroyed the family.  And until we get back to the basics of the Bible, life will only get more difficult. 

But the Believer follows God’s truth and it can start with you.

How many times have you heard the word submission and with it (wait for it..) comes negative discussions from family members, friends and even church parishioners?  You would think the word was a weapon to throw at an enemy or something!

Psst!  … bend your ear and your heart….

The world’s perception of submission is all wrong!  If you want to be fruitful (successful) in your marriage and in your life, begin by being submissive to your husband.  It begins by understanding the true meaning of the word.  Not by what great-grandmother or even your mother may have taught you.  Most times, they only teach us what they were taught and often, it was limited.

You can go on the finest of vacations, live in the best neighborhood, own membership to the most popular dining clubs or own multiple homes; but your inability to submit (come under the leadership and provide support) to your husband, can hinder opportunities for your best life.


2 Important Steps to Submission

 

  •     Surrender to Christ.  Ask Him to forgive you and give you wisdom and guidance regarding submission.  He will give you a new , clean slate when you submit to Him (Jesus).


  •     Surrender to your husband.God does not condition the call to submission of a wife to the manner in which her husband meets his leadership role.  God commands wives to submit to their husbands regardless of whether they are deserving of our submission or not.  

Lindsay Williams

Folkston, Georgia



YOU CAN'T FAIL IN GOD'S HANDS by Lindsay Williams


In life there are many challenges, ups and downs, many doors closed and many opportunities.  You never know what you are going to get but that is the beauty of it.  Just living life!


2014 was definitely a journey for most of us - including me.  I found myself in some very dark moments which ranged from losing about ten family members to  one of the highest moments:  completing nursing school and passing the state boards.  I had moments when I felt like I was falling apart and I definitely said, 'God I can't take anymore.'  But I'm glad that, in those dark moments, I grabbed a hold of my faith and was able to see the sun shine in my life again.


Some of you find yourselves in similar situations; wondering where God is, if you've made the right decision, or if you are doing the right thing.  But God is saying 'you're right where I need you to be for me to do what I need to do within you.'  Some of you are right on the verge of quitting but the hand of God is holding you up and you cannot fall.  What a mighty God we serve!


My encouragement to whomever reading this is the sun will shine no matter how dark your situation seems to be right now.  There is a purpose for your trial.  You are not going through for naught.  Whatever you do, don't give up.  There is a winner inside of you and you will experience victory!