CCESS CCESS - House of Praise
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CCESS CCESS - House of Praise
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The July 2011 Edition <strong>of</strong><br />
LIVES<br />
INSPIRED<br />
FOR<br />
EXCELLENCE<br />
a publication <strong>of</strong> the house <strong>of</strong> praise.<br />
a parish <strong>of</strong> the Redeemed Christian<br />
lifeChurch <strong>of</strong> God<br />
“And I will give you the keys <strong>of</strong> the<br />
kingdom <strong>of</strong> heaven, and whatever<br />
you bind on earth will be bound in<br />
heaven, and whatever you loose<br />
on earth will be loosed in heaven.”<br />
Matthew 16:19 (NKJV)
house <strong>of</strong> praise, mississauga, canada<br />
Career Corner<br />
Choosing or Changing Career Paths<br />
Adapted from a November 2010 article on helpguide.org<br />
Last month we discovered the importance <strong>of</strong><br />
integrating your passion with your career. We<br />
looked at the first two obstacles to changing<br />
careers; it is too much work to change careers<br />
and I am too old to change careers. Here are<br />
the last two obstacles:<br />
I don’t have enough skills to consider a new<br />
career. You may be unaware <strong>of</strong> the skills you<br />
have or underestimate your marketability due<br />
to low self-esteem. However, you probably have<br />
more skills than you think. Consider skills you’ve<br />
learned not only from your job but from hobbies,<br />
volunteering or other life experiences.<br />
In this economy, I’m lucky to have a job. I<br />
don’t want to rock the boat. In today’s climate,<br />
Entrepreneural<br />
intelligence<br />
it might feel like too much <strong>of</strong> a risk to consider<br />
changing careers. However, if you’re unhappy<br />
in your current job, doing research on other<br />
options will only benefit you in the long run.<br />
For example, you may discover a career with a<br />
more stable long-term outlook than your current<br />
career. And you don’t have to quit your current<br />
job until you are confident <strong>of</strong> your new career<br />
path.<br />
So how do you translate your interests into a<br />
new career?<br />
Tip 1: Identify occupations that match your<br />
interests. Many online tools can guide you<br />
through the process <strong>of</strong> self-discovery. Questions,<br />
quizzes, and temperament sorters can’t tell you<br />
what your perfect career would be, but they<br />
can help you identify what’s important to you<br />
in a career, what you enjoy doing, and where<br />
you excel.<br />
If you have narrowed down some specific jobs<br />
or careers, you can find a wealth <strong>of</strong> information<br />
online, from description <strong>of</strong> positions to average<br />
salaries to estimated future growth. This will<br />
also help you figure out the practical priorities:<br />
How stable is the field you are considering?<br />
Are you comfortable with the amount <strong>of</strong> risk?<br />
Is the salary range acceptable to you? What<br />
about commute distances? Will you have to<br />
relocate for training or a new job? Will the new<br />
job affect your family?<br />
While you can get a lot <strong>of</strong> information from<br />
research and quizzes, there’s no substitute for<br />
information from someone currently working in<br />
your chosen career. Talking to someone in the<br />
field gives you a real sense <strong>of</strong> what type <strong>of</strong> work<br />
you will actually be doing and if it meets your<br />
expectations. What’s more, you will start to build<br />
connections in your new career area, helping you<br />
land a job in the future. Does approaching others<br />
like this seem intimidating? It doesn’t have to<br />
be. Networking and informational interviewing<br />
are important skills that can greatly further your<br />
career.<br />
Look out next month for another tip for<br />
choosing the right career.<br />
walk the talk<br />
We are the Bibles the world is reading; We<br />
are the creeds the world is needing; We are<br />
the sermons the world is heeding -Billy Graham<br />
How to start a small business<br />
www.mysmallbiz.com<br />
Are you so incredibly passionate to start a<br />
business and are looking for a list <strong>of</strong> small<br />
business ideas to answer the million dollar<br />
question, “What business should I start?” Well,<br />
we have a place for you to go...<br />
MySmallBiz.com helps thousands <strong>of</strong> people<br />
every day – people just like you – come up with<br />
pr<strong>of</strong>itable small business ideas and begin to learn<br />
how to start a small business.<br />
Whether you’re looking for home business<br />
ideas, internet and online business ideas, or<br />
even looking for franchises to buy, they are there<br />
to help.<br />
Do you feel that you were born with an<br />
entrepreneurial flame or an unquenchable<br />
thirst to be in business for yourself? Have you<br />
dreamed <strong>of</strong> learning how to start a small business<br />
forever…working for yourself…building<br />
something that matters…and making some<br />
money! But yet, you just feel stuck. Something<br />
has held you back…<br />
• Maybe it’s a fear <strong>of</strong> failure. The fear <strong>of</strong> not<br />
succeeding has simply paralyzed you. A lack<br />
<strong>of</strong> confidence has “frozen” any chance <strong>of</strong> you<br />
getting started.<br />
• Or maybe it’s a lack <strong>of</strong> capital. Not having<br />
enough money to fund a startup or sustain<br />
one’s family during the beginning phases <strong>of</strong><br />
the business are concerns that keep many <strong>of</strong><br />
us locked behind our desk in a nine-to-five<br />
grind. Or worse.<br />
• Or maybe you just don’t know where to<br />
start – you have limited business ideas. Believe<br />
it or not, many potential business owners<br />
never get started because they have trouble<br />
coming up with a list <strong>of</strong> small business ideas.<br />
They lack that special creative spark that<br />
ignites the entrepreneurial flame.<br />
While all three <strong>of</strong> the above startup concerns<br />
are valid (and need to all be addressed), the<br />
purpose <strong>of</strong> this website is to help you with the<br />
last point – coming up with that elusive list <strong>of</strong><br />
pr<strong>of</strong>itable small business ideas.<br />
You see, once you find the right business idea,<br />
the rest <strong>of</strong> your fears – the obstacles standing<br />
in your way – become much easier to conquer.<br />
Keep reading the entrepreneurial intelligence<br />
column to find out more about small business<br />
ideas; from low cost businesses to green<br />
businesses to consulting ideas and more.<br />
2 lives inspired for excellence
house <strong>of</strong> praise, mississauga, canada<br />
Pastor Wale’s Column<br />
wasted by mediocrity, something is awakened in me.<br />
living<br />
Whatever unlocks your passion and anger is what you have been born<br />
to correct.<br />
What gives you great satisfaction?<br />
Whatever gives you the greatest satisfaction is a clue to what your mission<br />
is. I find great satisfaction in helping people achieve their dreams and<br />
fulfill their destiny. The Bible says, “…a desire accomplished is sweet to<br />
the soul…” (Proverbs 13:19).<br />
Are you frustrated on your present job even when you get results? Are<br />
you dissatisfied with your present pursuit?<br />
‘Living Life On Purpose’ is a book that was written by Pastor Wale<br />
Akinsiku and first published in 2003. In the next few editions <strong>of</strong> L.I.F.E.<br />
magazine, we will feature the book in its entirety. In this edition, we<br />
conclude the first section titled ‘You Are On A Mission’. Enjoy!<br />
In the last edition <strong>of</strong> L.I.F.E. we looked at the first step in identifying<br />
your mission: what are your gifts? Pastor Wale Akinsiku wrote that<br />
“Everyone is gifted and your gift is what has been destined to open doors<br />
to you”. If you are wondering what your gift is, note that it is the thing<br />
that comes to you naturally and also what you can do almost effortlessly.<br />
In this edition we look at the last four questions that you should ask<br />
yourself to identify your mission. We conclude with how to discover<br />
that mission.<br />
What do you love doing?<br />
This is probably one <strong>of</strong> the most important questions you will ever have<br />
to answer in life. On first thought, the question sounds simple, but many<br />
people today do things not because they love doing them, but because<br />
they have to do it. Many people don’t enjoy their work, but they have to<br />
go because <strong>of</strong> the bills they are required to pay.<br />
If you assume money is not a problem, what sort <strong>of</strong> work would you<br />
enjoy doing without getting paid for it? The answer to that question is<br />
a major pointer to your mission in life.<br />
What unlocks your passion and energy?<br />
Your mission in life is something that will automatically unlock your<br />
passion and energy. What are you passionate about? What unlocks your<br />
natural motivation? Your mission in life is something you will be selfmotivated<br />
for. If you are not self-motivated for what you are presently<br />
doing it is probably not your mission in life.<br />
What situation unlocks your compassion or anger?<br />
Racial segregation unlocked the anger and compassion <strong>of</strong> Dr. Martin<br />
Luther King, the injustice <strong>of</strong> slave trade unlocked the compassion <strong>of</strong><br />
William Wilberforce and the plight <strong>of</strong> the poor in London unlocked<br />
the compassion <strong>of</strong> William Booth. What unlocks your compassion? I<br />
personally have a great distaste for average. When I see potential being<br />
www.house<strong>of</strong>praise.ca<br />
Whatever gives you the greatest satisfaction is a great clue to what you<br />
have been called to do.<br />
How to discover your mission<br />
You must be born-again<br />
As previously discussed, being a born-again Christian is the first step to<br />
discovering your mission in life.<br />
Ask God for guidance<br />
God says ask and it shall be given unto<br />
to you. Nobody knows you like God<br />
does. Ask Him what your mission is<br />
and you are guaranteed an answer.<br />
Be Sincere with yourself<br />
Sincerely ask yourself the above<br />
questions. You have nothing to gain<br />
by pretending, but you have a lot to<br />
gain by being honest with yourself as<br />
you ponder on the questions.<br />
Be a partner with somebody that<br />
has already discovered his or<br />
what sort <strong>of</strong><br />
work would<br />
you enjoy<br />
doing without<br />
getting paid<br />
her mission<br />
for it?<br />
This is one <strong>of</strong> the fastest ways<br />
<strong>of</strong> discovering your mission. In<br />
the story <strong>of</strong> the possession <strong>of</strong> the<br />
promised land by the children <strong>of</strong> Israel,<br />
Joshua sent out a few spies on a mission. They got to the house <strong>of</strong> a lady<br />
called Rahab, who had been living a life <strong>of</strong> confusion and frustration.<br />
She joined hands with them on their mission and eventually discovered<br />
that her own mission in life was to give birth to Boaz (the great grandfather<br />
<strong>of</strong> King David). She was destined to be part <strong>of</strong> the family tree<br />
<strong>of</strong> the Messiah- Jesus Christ. What a great honor and privilege for her.<br />
( Joshua 2; Matthew 1:5).<br />
When you partner with somebody who has already discovered his or her<br />
mission in life and is pursuing it, you are a step away from discovering<br />
your own mission. The Bible declares that “...He that walks with wise<br />
men shall be wise...” (Proverbs 13:20).<br />
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house <strong>of</strong> praise, mississauga, canada<br />
Inspirations<br />
Encouraging Bible<br />
Verses<br />
Below you will find several Bible verses<br />
that you can refer to for encouragement,<br />
inspiration, and comfort during difficult<br />
times. Of course, if you know someone<br />
who needs to be encouraged, it would be<br />
a good idea to share these Bible verses<br />
with them, as there is much comfort in<br />
meditating on God’s sure promises. May<br />
you be encouraged.<br />
Encouraging Bible Verses on Prayer:<br />
“Ask, and it shall be given you; seek, and you shall find; knock, and<br />
it shall be opened unto you: For every one that asks receives; and<br />
he that seeks finds; and to him that knocks it shall be opened.” –<br />
Matthew 7:7-8<br />
“For the people shall dwell in Zion at Jerusalem: you shall weep no<br />
more: he will be very gracious unto you at the voice <strong>of</strong> your cry; when<br />
he shall hear it, he will answer you.” – Isaiah 30:19<br />
“And this is the confidence that we have in him, that, if we ask any<br />
thing according to his will, he hears us: And if we know that he hear<br />
us, whatsoever we ask, we know that we have the petitions that we<br />
desired <strong>of</strong> him.” – 1 John 5:14-15<br />
“The LORD is nigh unto all them that call upon him, to all that call<br />
upon him in truth. He will fulfill the desire <strong>of</strong> them that fear him:<br />
he also will hear their cry, and will save them.” – Psalms 145:18-19<br />
From the Pulpit: Quotes from Pastor Wale Akinsiku<br />
“Any Christian message that does not leave you with a personal responsibility<br />
is not the full gospel”<br />
“Christian commitment is like the contribution <strong>of</strong> the pig to the typical<br />
English breakfast – it is irreversible”<br />
“Your job as a parent is to train up your child in the way they ‘should’ go<br />
not in the way ‘you’ want them to go. Don’t live your life through others!”<br />
“The Law <strong>of</strong> Recognition- Anything you do not believe you should have,<br />
you would not recognize when it comes”<br />
“Whenever you leave your ‘Eden’ you will find it difficult to eat!”<br />
“Respect your body if you do not want people to prematurely pay you<br />
their last respects”<br />
“Whatever is too big for your mouth (whatever you cannot say) is too big<br />
to enter your life!”<br />
Encouraging Bible Verses on the Future:<br />
“I will not leave you comfortless: I will come to you.” –<br />
John 14:18<br />
“The LORD also will be a refuge for the oppressed, a refuge<br />
in times <strong>of</strong> trouble. And they that know your name will<br />
put their trust in you: for you, LORD, have not forsaken<br />
them that seek you.” – Psalms 9:9-10<br />
“And we know that all things work together for good to<br />
them that love God, to them who are the called according<br />
to his purpose.” – Romans 8:28<br />
“And I saw a new heaven and a new earth: for the first<br />
heaven and the first earth were passed away; and there was<br />
no more sea. And I John saw the holy city, new Jerusalem,<br />
coming down from God out <strong>of</strong> heaven, prepared as a bride<br />
adorned for her husband. And I heard a great voice out <strong>of</strong><br />
heaven saying, Behold, the tabernacle <strong>of</strong> God is with men,<br />
and he will dwell with them, and they shall be his people,<br />
and God himself shall be with them, and be their God.<br />
And God shall wipe away all tears from their eyes; and<br />
there shall be no more death, neither sorrow, nor crying,<br />
neither shall there be any more pain: for the former things<br />
are passed away.” – Revelation 21:1-4<br />
4 lives inspired for excellence
house <strong>of</strong> praise, mississauga, canada<br />
Legal<br />
Loans, Laws, Wills and more<br />
Small Business loans<br />
Your business is doing well but you want to take it to the next level.<br />
You approach your friendly bank manager for a business loan and after<br />
a review <strong>of</strong> your application he agrees to give your company the loan<br />
on the condition that you sign a personal guaranty. This is a promise<br />
made by the entrepreneur (you) to personally repay the company debt<br />
in the event <strong>of</strong> default by the business.<br />
You see banks are inherently conservative. They understand that<br />
recovering loans from a new business may be challenging. But a human<br />
agent is different. Your guaranty allows them a belt and braces approach<br />
to risk minimization.<br />
The only safe thing is NOT to guaranty any loan you do not want<br />
to be responsible for.<br />
Criminal Law:<br />
Your rights if arrested:<br />
A knock on your door from her Majesty’s finest. An “invitation” for<br />
a “chat at the Police station”. Recognize that this is NOT a call from<br />
your buddy. Any statement you make to a police <strong>of</strong>ficer can and will<br />
be used in evidence against you in court if you are charged with an<br />
<strong>of</strong>fence. If you are arrested, this is no time for trying to convince your<br />
“captor” that you are the wrong person. The only safe option is to save<br />
your explanation for when you see a judge.<br />
You may be worried the police <strong>of</strong>ficer will be upset if you refuse<br />
to talk to them, don’t be. In Canada, just because you refuse to talk<br />
until you have spoken to your lawyer does not mean you are guilty <strong>of</strong><br />
anything. Once you connect with a lawyer, they will advise you to find<br />
a big padlock, apply it to your lips, then throw away the key. Don’t<br />
worry about finding the key, every defence lawyer has a master key to<br />
unlocking your lips.<br />
So what do you do when faced with this scenario? I have three<br />
simple rules:<br />
Rule number one - keep quiet.<br />
Rule number two is even simpler - Do not forget rule number one.<br />
Rule number three - If perchance you forget rules number one and<br />
two, I hope you can find a sympathetic defence lawyer who will drill<br />
into you the importance <strong>of</strong> rules one and two.<br />
Insurance Law:<br />
Offence is the best form <strong>of</strong> defence. As you acquire assets, you also<br />
www.house<strong>of</strong>praise.ca<br />
acquire an invisible bull’s eye. Consider asset preservation and business<br />
continuity strategies such as purchasing appropriate insurance policies.<br />
Policies for overseas medical coverage, disability, business continuity<br />
insurance, critical illness, life, home, automobile coverage etc. They can<br />
protect you. Remember an insurance contract requires both the policy<br />
buyer and insurance company to act honestly towards each other and<br />
to not mislead or withhold critical information from one another. It’s a<br />
contract <strong>of</strong> utmost good faith. Selective recollection <strong>of</strong> important facts<br />
when you are getting coverage usually ends in a denial at the point <strong>of</strong><br />
trying to make a claim.<br />
Contract Law:<br />
Here is one that will definitely come back to bite you if not handled<br />
properly. We enter into contracts every single day. Most contracts are<br />
verbal. Some sealed with a handshake. Personally, I prefer to ink our<br />
thinking.<br />
In order to be valid, a contract requires an <strong>of</strong>fer, acceptance and<br />
consideration. The parties themselves must be capable <strong>of</strong> contracting<br />
and must have the intention to create legal relations.<br />
Unless a party can prove that at the time he was not <strong>of</strong> full mental<br />
capacity, a judge will likely interpret the contract in the manner it was<br />
obviously intended. So next time you want to buy a business, hire a<br />
contractor, sell, buy or lease an asset etc., ink that thinking or expect<br />
anything to happen.<br />
Where there is a WILL there is a way:<br />
What happens if a person does not make a will? In Ontario, that<br />
person’s estate will be distributed according to Ontario’s intestate<br />
succession law. Without a will, the government dictates what happens<br />
to your hard earned money. Not your wife. Not your children. The<br />
government decides.<br />
Like taxes, passing on to the greater beyond cannot be avoided. It<br />
happens to 100% <strong>of</strong> us. Why not “take care <strong>of</strong> business” when one has a<br />
chance? Creating a will (even a will kit from Staples) is better than no<br />
will at all. It ensures that those “interesting people” who come around<br />
after you have departed and harass your family will have no legal force<br />
behind them. A well crafted will ensures that your true beneficiaries<br />
receive the product <strong>of</strong> your years <strong>of</strong> labour.<br />
Write that will today!<br />
5
house <strong>of</strong> praise, mississauga, canada<br />
Real Estate Today!<br />
Learn Before You Leap<br />
Source: Thehouseteam.ca<br />
Owning your own home is an exciting<br />
proposition. But before you can know<br />
whether homeownership is right for you it is<br />
important to understand what is involved.<br />
The worst mistake you can make as a new<br />
homeowner is to buy a house that ends up<br />
over-extending you financially. The key is to<br />
make sure that you can comfortably afford the<br />
mortgage payment and other monthly expenses<br />
that come with homeownership.<br />
How much can you afford?<br />
The first thing you need to do is figure out your<br />
net worth. Your net worth is the amount left<br />
over once you’ve subtracted your total debts<br />
from your total assets. This can work as a guide<br />
to show you how much you can afford as a<br />
down payment.<br />
Prepare a budget<br />
Detail all <strong>of</strong> your current monthly expenses and<br />
debt payments. Be as accurate as possible. Add<br />
everything up and then subtract this amount<br />
from your monthly take home amount. This will<br />
then give you a clear idea <strong>of</strong> how much you can<br />
truly afford for a mortgage payment each month.<br />
Monthly mortgage payments<br />
Just like when you rent, as a new homeowner,<br />
you will have a monthly payment to make<br />
on your mortgage. The size <strong>of</strong> your mortgage<br />
payments will depend on your down payment,<br />
the amortization period (25, 30 or 35 years), the<br />
term (fixed rate, variable rate) and your payment<br />
schedule (bi-weekly, bi-weekly<br />
accelerated or monthly) .<br />
The down payment<br />
In order to buy a home, the<br />
first thing you will need is<br />
a down payment. The more<br />
money you put down, the less<br />
interest you will pay over the<br />
life <strong>of</strong> your mortgage. The<br />
minimum mortgage down<br />
payment amount that is<br />
typically required in Canada<br />
is 5%.<br />
In order to put less than<br />
20% down, mortgage<br />
default insurance is required.<br />
Mortgage insurance premiums are paid once, but<br />
can be added to the principle <strong>of</strong> the mortgage.<br />
How much can you afford?<br />
Before you start looking at homes, visit your<br />
lender for a pre-approved mortgage. The lender<br />
will look at your finances and determine the<br />
amount <strong>of</strong> mortgage they are willing to give<br />
you. The maximum amount you can qualify for<br />
depends on a number <strong>of</strong> factors but the most<br />
important are your household income, your<br />
down payment and the mortgage interest rate.<br />
Remember your budget<br />
Quite <strong>of</strong>ten you will qualify for more than you<br />
expected. This is where preparing your budget<br />
beforehand is so important. Remember, your<br />
goal is to not over-extend yourself financially.<br />
Let your budget be your guide in determining<br />
how much <strong>of</strong> a mortgage to take on.<br />
You now know how much you have to spend, but<br />
not all <strong>of</strong> it can go towards the purchase price <strong>of</strong><br />
your new home. Some <strong>of</strong> it will have to be used<br />
to cover costs associated with buying a home.<br />
Upfront Costs<br />
Things to remember:<br />
• Deposit: up to 5% <strong>of</strong> the purchase price,<br />
made when you make an <strong>of</strong>fer to purchase.<br />
• Down Payment: 20% <strong>of</strong> the purchase price<br />
is required for a conventional mortgage.<br />
• Home Inspection Fee: generally $500.<br />
• Prepaid Property Taxes and or Utility Bills:<br />
to reimburse the vendor for prepaid costs<br />
such as property taxes, filling the oil tank etc.<br />
• Property Insurance: covers the cost <strong>of</strong><br />
replacing your home and its contents. Property<br />
insurance must be in place on closing day.<br />
• Survey or Certificate <strong>of</strong> Location Cost:<br />
$1,000 to $2,000 range.<br />
• Legal Fees and Disbursements: Must be<br />
paid upon closing. Minimum <strong>of</strong> $500.<br />
• Land Registration Fees: a percentage <strong>of</strong> the<br />
property’s purchase price. Check with your<br />
lawyer/notary to find out the current rates.<br />
• Property Appraisal Fee: between $250 and<br />
$350.<br />
• Moving Expenses.<br />
• Additional items.<br />
Other Costs<br />
• Appliances<br />
• Service connection fees: Charges for<br />
utilities, telephone, gas, electricity, cable TV,<br />
satellite TV, internet etc.<br />
• Renovations or repairs<br />
• Window treatments<br />
• Decorating materials<br />
• Snow-clearing equipment<br />
• Gardening equipment<br />
• Dehumidifier<br />
Condo Costs<br />
If purchasing a condominium, there will be<br />
some fees in addition to the ones mentioned<br />
above.<br />
They are:<br />
• Estoppels Certificate Fee: up to $100<br />
• Initial payment <strong>of</strong> the monthly<br />
condominium fees<br />
Sources for your downpayment<br />
First-time homebuyers have a variety <strong>of</strong> options<br />
for funding their down payment:<br />
1. Accumulated Savings<br />
2. Money gifted from immediate family<br />
3. Money from your RRSP<br />
Using Your RRSP for Your Down Payment:<br />
With the Home Buyers Plan provided by the<br />
Canadian government, you can withdraw up<br />
to $25,000 from your Registered Retirement<br />
Savings Plan (RRSP) and use the money for a<br />
down payment.<br />
6 lives inspired for excellence
house <strong>of</strong> praise, mississauga, canada<br />
Healthy Living<br />
Menopause is the discontinuation <strong>of</strong> a woman’s natural menstrual<br />
cycle, consequently ending her reproductive years. Symptoms<br />
result from decreased blood level <strong>of</strong> circulating female hormones and<br />
they include:<br />
• Hot flashes - episodic heat waves and excessive sweating<br />
• Changes in the length and heaviness <strong>of</strong> the monthly period<br />
• Mood swings, irritability; the woman is <strong>of</strong>ten described as being<br />
short tempered<br />
• Decreased libido or sexual drive<br />
• Difficulty sleeping<br />
• Vaginal dryness that can make sexual intercourse uncomfortable<br />
and <strong>of</strong>ten painful<br />
symptoms <strong>of</strong><br />
menopause include<br />
Hot flashes - episodic<br />
heat waves and<br />
excessive sweating<br />
Changes in the length<br />
and heaviness <strong>of</strong> the<br />
monthly period<br />
Short tempered<br />
Difficulty sleeping<br />
Decreased libido<br />
www.house<strong>of</strong>praise.ca<br />
It is important to mention that not<br />
all these symptoms are experienced by<br />
all menopausal women.<br />
Menopause comes in two forms<br />
depending on the age <strong>of</strong> onset: natural<br />
menopause and premature menopause.<br />
Natural Menopause occurs at age 51<br />
for the average Canadian woman,<br />
however it can happen at any age<br />
after 40. Age at menopause is <strong>of</strong>ten<br />
genetically determined. It is a result <strong>of</strong><br />
the normal aging process and follows<br />
three stages, namely, perimenopause,<br />
menopause, and postmenopause.<br />
Perimenopause starts about seven<br />
years before menopause. At this stage,<br />
symptoms are apparent and there is<br />
a reduction or complete absence <strong>of</strong><br />
Menopause: A natural Phenomenon<br />
Dr. Yemisi Bolaji<br />
egg release from the ovaries triggering a gradual decrease in<br />
the female sex hormones called estrogen and progesterone.<br />
True menopause is the stage <strong>of</strong> complete absence <strong>of</strong> the<br />
menstrual period for a year. The ovaries are not releasing any<br />
eggs, therefore, there is no estrogen production. At the final<br />
stage, postmenopause, symptoms, such as hot flashes and sleep<br />
disturbances have greatly subsided.<br />
The second form <strong>of</strong> menopause, premature menopause, occurs<br />
before the age <strong>of</strong> 40 and is caused mainly by premature ovarian<br />
failure and induced menopause. Premature ovarian failure occurs<br />
when the ovaries <strong>of</strong> a woman younger than 40 stops releasing<br />
eggs triggering a change in estrogen and progesterone levels.<br />
Induced menopause can occur as a result <strong>of</strong> a medical<br />
procedure that removes or damages the ovaries. For example,<br />
the treatment <strong>of</strong> ovarian cancer with complete removal <strong>of</strong> the<br />
ovaries called an Oophorectomy or use <strong>of</strong> therapeutic radiation<br />
around the groin area and chemotherapy for any cancers at all.<br />
Diagnosis <strong>of</strong> menopause is based on history, physical<br />
examination, including a PAP test during which the vaginal<br />
wall mucosa thickness is examined. A simple blood test for<br />
level <strong>of</strong> Follicle Stimulating Hormone (FSH) is confirmatory.<br />
Menopause is a normal process <strong>of</strong> aging. However, its effects<br />
can be weakened or removed through replacement <strong>of</strong> the female<br />
sex hormones (Hormone Replacement Therapy - HRT) and<br />
lifestyle changes. For women who are not able to take HRT, there are<br />
specific medications to target particular symptoms. Not every woman is<br />
a good candidate for HRT, risks and benefits have to be discussed with<br />
their healthcare pr<strong>of</strong>essional.<br />
There is an increased incidence <strong>of</strong> osteoporosis and heart disease<br />
after menopause. Choosing foods rich in calcium, Vitamin D and<br />
Phytoestrogens, have been found to be beneficial. Phytoestrogens have<br />
effects similar to estrogens and they can be found in t<strong>of</strong>u, soy containing<br />
foods, soy milk, crushed or ground flaxseed and yams. Evening primrosea<br />
supplement available over the counter is also helpful for some woman.<br />
Remember menopause is a natural and expected part <strong>of</strong> a woman’s<br />
development. You can reduce your risk <strong>of</strong> long-term problems and<br />
eliminate some <strong>of</strong> the symptoms by taking the following steps:<br />
• Control your blood pressure, cholesterol, and other risk factors for<br />
heart disease<br />
• Do NOT smoke. Cigarette use can cause early menopause<br />
• Eat a low-fat diet<br />
• Get regular exercise. Resistance exercises help strengthen your bones<br />
and improve your balance<br />
• If you show early signs <strong>of</strong> bone loss or have a strong family history<br />
<strong>of</strong> osteoporosis, talk to your doctor about medications that can help<br />
stop further weakening<br />
• Limit alcohol and caffeine intake<br />
• Take calcium and vitamin D<br />
Menopause is the transition period in a women’s life and it is helpful<br />
if women are able to learn what to expect and what options are available<br />
to assist in this transition – speak to your health care pr<strong>of</strong>essional for<br />
more information.<br />
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house <strong>of</strong> praise, mississauga, canada<br />
8 lives inspired for excellence
house <strong>of</strong> praise, mississauga, canada<br />
THIS IS OUR WORLD<br />
This is our world. Deafening gun shots ring through the streets while a dictator stubbornly<br />
clings to power – this is our world.<br />
A detested enemy <strong>of</strong> the past yet a certain friend <strong>of</strong> the future, war is quickly declared<br />
despite talks <strong>of</strong> peace – this is our world.<br />
One might be tempted to say – “no, not here; we are at peace.” Pause for a moment to listen<br />
to the knock at the door – it is the knock <strong>of</strong> perpetually rising oil prices accompanied by<br />
unwanted guests <strong>of</strong> fear and frustration. As if this was not sufficiently disturbing, spinning<br />
winds <strong>of</strong> over 200 miles per hour tear through homes and hearts alike, leaving behind<br />
an overwhelming after taste <strong>of</strong> loss and pain. To add to these unforgiving circumstances,<br />
we may also wonder why oceans would rise up like army skyscrapers marching forward<br />
and clearing everything in their path – lives, cars, buildings, any and all that can be<br />
imagined. This is our world.<br />
As an added bonus, there is a race between personal income and expenses where the battle<br />
seems fixed due to factors outside our control – sudden yet prolonged unemployment,<br />
unplanned medical bills, education loans, family obligations, an undying mortgage, a<br />
struggling economy and don’t forget those gas prices. If this is our world, is there an<br />
escape? In the midst <strong>of</strong> certain chaos, is there a guarantee <strong>of</strong> peace? Is there a stamp <strong>of</strong><br />
all-rounded success? Yes, there is a way that is tested and true – Jesus Christ is that way.<br />
Isaiah 40:3 (NKJV) says, “The voice <strong>of</strong> one crying in the wilderness: “Prepare the way <strong>of</strong><br />
the LORD; Make straight in the desert a highway for our God.”<br />
Join the Voice <strong>of</strong> One as we take the timeless gospel message all over the Greater Toronto<br />
Area over four weekends in the month <strong>of</strong> July.<br />
Dates: July 9, 16, 23, 30<br />
Time: 10am-2pm<br />
Location: 3085 Lenworth Drive, Mississauga, Ontario<br />
Visit us on Facebook Voice <strong>of</strong> One (HOP) and follow us on Twitter @voice<strong>of</strong>1one<br />
www.house<strong>of</strong>praise.ca<br />
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house <strong>of</strong> praise, mississauga, canada<br />
Young Champions<br />
God - our faith depositor<br />
Oreoluwa Oyelade (13 years old)<br />
God has many names but have you ever seen him as a spiritual<br />
banker in your life? If not, then you have missed one <strong>of</strong> God’s<br />
names - faith depositor. He gives us faith when we need it! Just as<br />
we ask Him for wisdom to pass an exam, we also ask for help in<br />
times <strong>of</strong> need, for jobs when we face unemployment and for healing<br />
when we are sick, so too we need to ask for faith to receive miracles.<br />
Here are some reasons why I call Him our faith depositor:<br />
• He supplies courage when you’re afraid<br />
• He is a God <strong>of</strong> love<br />
• He helps us through challenges<br />
• He is always there for you<br />
• He will provide you with what you need when you need it<br />
• He is a God <strong>of</strong> endless supplies<br />
• He can never fail<br />
• He will always be there for you<br />
God has always been in the business <strong>of</strong> supplying faith just as a<br />
bank is in the business <strong>of</strong> providing money. If you deposit cash, it<br />
means you have money in the bank, therefore, when you deposit<br />
faith, it means you have more power. What do you do with the faith<br />
you withdraw? You use it to experience God’s miracles.<br />
How is your faith account? If you always obey God and love<br />
God you have a high score in the faith bank. However, if you don’t<br />
listen to God you have a low score. You must know that you can<br />
improve your score by listening to God. When God wants to give<br />
you a miracle, you must withdraw some faith from your account<br />
and apply it toward solving your problem. To build up your faith,<br />
trust in God and His Word for your life.<br />
I wish - Joy Edem (17 years old)<br />
Sometimes I wish I were a picture<br />
Why?<br />
Because a picture remains the same<br />
a picture never changes<br />
a picture never forgets<br />
a picture captures the past<br />
a picture speaks <strong>of</strong> the future<br />
a picture seizes a moment in time<br />
and a picture reflects on it.<br />
But who am I?<br />
I’m constantly changing<br />
I never remain the same<br />
I have trouble remembering<br />
I <strong>of</strong>ten forget<br />
I don’t know my future<br />
The past is just that, past<br />
I can never say “This moment...” because moments<br />
are only in the past, never in the present<br />
A picture never ages,<br />
A picture always lasts<br />
But I am constantly maturing<br />
I’m aging fast<br />
A picture makes you think<br />
I only make you wonder<br />
A picture touches your heart<br />
a place I’m not allowed to wander<br />
I wish we were a picture,<br />
A picture <strong>of</strong> you and I.<br />
10 lives inspired for excellence
house <strong>of</strong> praise, mississauga, canada<br />
Champion’s Pr<strong>of</strong>ile: Adegboyega Adetokunbo Fagbure<br />
Pr<strong>of</strong>ession / Occupation: Accountant<br />
Hobbies / Extracurricular Activities: Reading, swimming, travelling<br />
and listening to good music<br />
Years at <strong>House</strong> <strong>of</strong> <strong>Praise</strong>: Three years<br />
Department: Finance<br />
How has <strong>House</strong> <strong>of</strong> <strong>Praise</strong> impacted your life?<br />
The fresh teachings that come from the pulpit have really opened my<br />
eyes to the power <strong>of</strong> the Word <strong>of</strong> God. Of course, this has positively<br />
affected all aspects <strong>of</strong> my life.<br />
What makes you unique?<br />
My disposition to life- I am calm and strong-willed, seldom moved by<br />
what I see or hear.<br />
Gender: Male<br />
Birth Date: August 2<br />
Birth Place: Lagos, Nigeria<br />
Favourite quote:<br />
“I shall pass through this world but once. Any good therefore that I<br />
can do or any kindness that I can show to any human being, let me<br />
do it now. Let me not defer or neglect it, for I shall not pass this way<br />
again.” — Stephen Grellet<br />
Book Club<br />
Bought with Blood<br />
the divine exchange at the cross<br />
By: Derek Prince<br />
At the cross Christ made possible a “divine exchange” for everyone who<br />
believes in him. What is this exchange? At the cross Christ endured all the<br />
evil due you and in turn made available to you all the good due Him.<br />
In this provocative, Scripture-rich book, acclaimed author Derek Prince<br />
explores the nine “divine exchanges” <strong>of</strong> the atonement. In place <strong>of</strong> punishment,<br />
wounding, death, poverty, shame and rejection, Christ freely <strong>of</strong>fers forgiveness,<br />
healing, life, abundance, glory and acceptance.<br />
In addition, Prince gives biblical grounding for five areas <strong>of</strong> deliverance that<br />
Jesus makes available through the cross: deliverance from this present evil<br />
age, from the law, from self, from the flesh and from the world. Because it is<br />
not enough simply to know about the atonement, Prince presents the means<br />
by which you can make it true in your personal experience: repentance, faith<br />
and a relationship with the Holy Spirit. This new edition <strong>of</strong> a life-changing<br />
book includes a mini-study course at the end <strong>of</strong> each chapter, perfect for<br />
individual or small group study.<br />
Discover God’s extravagant provision for all your needs.<br />
www.house<strong>of</strong>praise.ca<br />
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house <strong>of</strong> praise, mississauga, canada<br />
Prophetic Declarations For<br />
2011 Testimonies<br />
1. Your shame is converted to glory<br />
2. Begin to experience unique and undeniable pro<strong>of</strong>s<br />
3. Your dryness is converted to greatness<br />
4. You will go ahead and go very far<br />
5. Promotion is coming<br />
6. Welcome to the realm <strong>of</strong> pleasant surprises<br />
Pastor Wale Akinsiku<br />
Events Announcements<br />
Voice Of ONE<br />
July 2011<br />
Showers Of Blessings<br />
July 1 - 15, 2011<br />
CELEBRATIONS<br />
“Rejoice with those who rejoice“ (Romans 12:15)<br />
Birth Announcements<br />
Parent’s Name Sex Date <strong>of</strong> Birth<br />
Mr & Mrs S. Ogunbayo Boy May 31st<br />
Mr & Mrs T. Ladejo Girl June 1st<br />
Mr & Mrs C. Adeniji Boy June 11th<br />
Mr & Mrs O. Ilesanmi Boy June 18th<br />
Mr & Mrs P. Okodogbe Boy June 19th<br />
I.A.<br />
I moved to Toronto in 2008 to purse<br />
a second degree at Ryerson University.<br />
It was there that I met someone who<br />
introduced me to <strong>House</strong> <strong>of</strong> <strong>Praise</strong>. The<br />
moment I started coming to this church I<br />
noticed the constant encouragement for getting more education. I felt<br />
that I was fine since I was working on my second degree. However,<br />
I felt that every time Pastor Wale talked about going back to school,<br />
he was looking in my direction and at times directly at me.<br />
In order to satisfy my conscience and to turn <strong>of</strong>f Pastor Wale’s resounding<br />
voice in my head to go back to school, I applied for a Master’s<br />
degree program at the University <strong>of</strong> Toronto (U <strong>of</strong> T).This was a very<br />
competitive program; what an average student puts two months <strong>of</strong><br />
preparation into I put two hours because I believed I was not going<br />
to be accepted anyways.<br />
Three weeks before I graduated from Ryerson University I got a job<br />
<strong>of</strong>fer with McMaster University with a wonderful annual salary. Two<br />
days after the job <strong>of</strong>fer I received an acceptance letter into the Master’s<br />
program from U <strong>of</strong> T. I owed almost $15,000 in student loans and<br />
logically to start working was the way to go. In addition, the Master’s<br />
program would cost $20,000. Everyone told me to forget about the<br />
Master’s program and just take the job. The following Sunday Pastor<br />
Wale encouraged us to pursue more schooling and coincidentally told<br />
us that we should never allow anyone to talk us out <strong>of</strong> it. He told a<br />
personal story about his friend who went for his Master’s (against<br />
the advice <strong>of</strong> others) and has a wonderful job now. This story made<br />
me decide to give up the current job <strong>of</strong>fer and pursue my Master’s.<br />
Today things have “really, really, really changed” (quoting Pastor Wale<br />
(laugh!)).Before I completed my Master’s this year, I got a big time job<br />
<strong>of</strong>fer with a salary that was almost double the one that I turned down<br />
last year around the same time. The <strong>of</strong>fer comes with comprehensive<br />
benefits and so much more.<br />
If not for Pastor Wale’s story and encouragement plus the grace <strong>of</strong><br />
God who put me in this church, I would have settled. In just one year,<br />
my life has changed for the better. I know that God has more in store<br />
for me. I hope that my story encourages someone to not give up or<br />
settle and to know, like Pastor Wale says, “Where you are in life today<br />
is not the best that you can do”.<br />
God bless<br />
12 lives inspired for excellence
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house <strong>of</strong> praise, mississauga, canada<br />
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sudoku<br />
Under 10 Minutes Are You Kidding Me?<br />
10-15 Tell Your Friends<br />
15-20 Leader board in Sight<br />
21-25 Making Progress<br />
8<br />
1<br />
7 9<br />
5<br />
5 4<br />
6<br />
2<br />
8<br />
6<br />
2<br />
7<br />
1<br />
6<br />
9 7 6 5<br />
7<br />
1<br />
4 1 5<br />
3<br />
4<br />
5<br />
3 9<br />
6<br />
8<br />
3<br />
2<br />
1<br />
3<br />
7<br />
5<br />
6<br />
1<br />
2<br />
9<br />
7<br />
4<br />
8<br />
9 5<br />
5<br />
4<br />
1<br />
9<br />
7<br />
OBJECT OF SUDOKU<br />
No math or calculating is required to play. Using the digits 1 through 9<br />
fill every space on the board with missing numbers. Every row, column,<br />
and 3 by 3 box must contain all <strong>of</strong> the digits 1 through 9. There is only<br />
one correct solution for each puzzle so every space has only one answer.<br />
www.house<strong>of</strong>praise.ca<br />
The devil loves ‘curing’ a small fault by<br />
giving you a great one. - C.S. Lewis<br />
13
house <strong>of</strong> praise, mississauga, canada<br />
14 lives inspired for excellence
Hope Line<br />
house <strong>of</strong> praise, mississauga, canada<br />
Are You a Gifted Writer?<br />
Send original articles, essays,<br />
short stories, poems, cartoons,<br />
jokes, etc. to<br />
life@house<strong>of</strong>praise.ca<br />
SUBSCRIPTIONS<br />
Thanksgiving Request<br />
For baby, home or car dedication and other thanksgiving requests,<br />
please send an email to babies@house<strong>of</strong>praise.ca or dedications@<br />
house<strong>of</strong>praise.ca. Prior notice is required.<br />
Need A Ride to Church?<br />
Contact Bro. Sola at 647.637.2676 or Bro. Godfrey at 416.219.7717.<br />
You can also call the church <strong>of</strong>fice at 905.624.5673 for more<br />
information.<br />
Need Counseling?<br />
Do you require guidance or need someone to talk to or confide<br />
in? Please call the church <strong>of</strong>fice at 905.624.5673 to book an<br />
appointment.<br />
Do you know someone whose life can be inspired for excellence?<br />
You can sign them up to receive a free copy <strong>of</strong> L.I.F.E. magazine if they are<br />
non-members <strong>of</strong> <strong>House</strong> <strong>of</strong> <strong>Praise</strong> or live outside the Greater Toronto Area<br />
(GTA). All you need to do is send an email to life@house<strong>of</strong>praise.ca with<br />
the person’s full name, email and mailing address.<br />
Raising Champions.<br />
Making a Difference.<br />
You are invited to come and<br />
worship with us<br />
www.house<strong>of</strong>praise.ca<br />
visit us online at - www.house<strong>of</strong>praise.ca<br />
15