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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 />

3


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 />

7


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 />

9


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 />

11


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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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 />

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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

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