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scripture page
1 Thessalonians 5:12-13 (NLT) 12
Dear brothers and sisters, honor those who are your leaders in the Lord’s work. They work hard among you and give you spiritual guidance. 13 Show them great respect and wholehearted love because of their work. And live peacefully with each other.
Hebrews 13:7 (NLT) 7
Remember your leaders who taught you the word of God. Think of all the good that has come from their lives, and follow the example of their faith.
Lord, thank You for the pastors and spiritual leaders who have input into our lives. Help us to glean knowledge and understanding of Your ways from them so that we can know You better. Bless them and help them to always be the men and women of God You created them to be.
National Clergy Appreciation Day October 14, 2012
2 2 October October2012 2012||Grace&Glory Grace&Glory
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™
OCTOBER 2012
contents on the cover: Dr. Harold A. Carter, Sr. Dr. Harold A. Carter, Jr. New Shiloh Baptist Church 2100 N. Monroe Street Baltimore, MD21217 410-532-5306 www.newshilohbaptist.org
Dr. Harold A. Carter, Sr.
Dr. Harold A. Carter, Jr.
Q&A Interview 8-9
Q&A Interview with Dr. Harold A. Carter, Sr. and Dr. Harold A. Carter, Jr.
Special Feature
The History of The New Shiloh Baptist Church Pg. 10 - 11
features 13 Mayor’s Journal
Mayor Stephanie Rawlings-Blake
15 Education Digest Dr. Tim Tooten
In The Line Of Duty
23 To Your Good Health
Carla J. Debnam, MS, LCPC
Integrity Matters
TRY THIS:
INSTE INSTE
Turkey or soy sausage patties
Pasta with sauce
Regular pork bacon strips
Turkey or soy bacon strips
Regular gr
Donut or Danish pastry
English muffin with natural peanut butter and fruit spread
Herline A. Knights
Toast with butter
Whole wheat toast with trans-free, canola margarine
Bagel with cream cheese
Whole wheat or multi-grain bagel with light cream cheese
Healthy Food Chart
Eggs
Omega-3-enriched eggs, egg whites or egg substitute
Blueberry muffin, commercially prepared
Homemade bran muffin (made with canola oil)
27 Nutrition & You
Healthy Substitutes INSTEAD OF: Regular pork sausage patties
Breakfast Foods
Regular gr
Cornflakes with whole Bran flakes with skim milk milk Sandwiches Corn beef or pastrami
17 Governor’s Page Governor Martin O’Malley 4 October 2012 | Grace&Glory
29 Body Basics
Scott H. Young/lifehack.org
15 Tips To Restart The Exercise Habit
Ground turkey burger
Ground turkey breast burger
Beef hamburger
Veggie burger
Croissant
Whole wheat bread
Tuna salad with mayo
Tuna salad with light mayo
Chicken salad with mayo
Chicken salad with light mayo
Egg salad with mayo
Egg salad with light mayo
Breaded chicken patty
Grilled chicken breast
Breaded fish patty
Grilled fish filet
Side Dishes Coleslaw
Dinner Entrees
Lean roast beef or turkey breast
Regular gr Sauces
Creamy sa dressing
Creamy sa dressing
Cream sau Spreads
Regular m
Regular cr
Regular pe
Jelly or jam Dairy Products
Whole rico
Heavy crea
Whole mil
Whole yog
Whole cot
Regular ch
Regular so Snacks
Roasted pe
Regular bu popcorn o corn”
Tossed salad w/ vinaigrette dressing
French fries
Fruit salad or carrot sticks
French fries
Oven fries or baked potato
Potato salad with mayo
Potato salad with light mayo
Fried vegetables
Steamed vegetables
White rice
Brown rice or wild rice
Couscous
Whole wheat couscous or quinoa
Ice cream
Breaded fried chicken breast
Skinless roasted chicken breast
Milk choco bar
Breaded fried fish
Broiled fish filet
Cheesecak
Breaded fried shrimp
Boiled or sautéed shrimp
Beef ribs or prime rib
Beef sirloin or round steak
Pork chops
Turkey breast
Meat pizza with extra
Veggie pizza with less cheese
Regular po
Regular co
Butter flav
Nacho che Desserts
Regular ic
Fruit pie in shell
Strawberri custard
33 TEEN CONNECT
Pastors Greg & Tonya Dennis
God’s Got You!
Sheryl Nance-Nash/dailyfinance.com
Financial Tips For College Students
Brandie Manigault
45 Word of Encouragement
The Chronicles of David King (Jonathan Lamb)
Donna Williams-Ross
Royal Priesthood
37 Book Shelf
38 Gospel Industry News
46 TOPIC OF INTEREST Bishop Gregory Dennis
Maryland Marriage Alliance
Ericka Johnson
40 Fashion Focus
42 FINANCES
www.chicous.com How To Wear Leather This Fall
In Every Issue Contributors.........................................................................6 From the Editor....................................................................7 Scripture Page.....................................................................2 Carter Commentary............................................................46
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For the LORD God is a sun and shield: the LORD will give grace and glory: no good thing will he withhold from them that walk uprightly. Psalm 84:11
Contributors
PUBLISHER
Jackie Epps
EDITOR-IN-CHIEF
Jackie Epps
EDITORIAL
Dr. Kenneth O. Robinson Dr. Harold A. Carter, Jr. Cassandra Vaughn-Fox Herline A. Knights Pastors Gregory and Tonya Dennis Carla J. Debnam Donna Williams-Ross Governor Martin O’Malley Ericka Johnson Mayor Stephanie Rawlings-Blake Rev. Tim Tooten Brandie Manigault
PHOTOGRAPHY GRAPHIC ARTIST
Mark L. Dennis Claire Lesesne www.JandCDesigns.com
WEB ADMINISTRATOR
Andre Felipe for Arts Period www.artsperiod.com
PRINTING Roebuck & Son Printing www.hgroebuck.com Grace & Glory Magazine is published monthly by JE Media, LLC, a Baltimore based, independent publisher. Copyright 2012. All rights reserved. Reproduction without expressed permission is prohibited.
Advisory Board
Chairman — Dr. A.C. D. Vaughn Sr. Pastor, Sharon Baptist Church, MD Vice-Chairman — Dr. Frank M. Reid III Sr. Pastor, Bethel A.M.E. Church, MD Dr. Jerome A. Barber Sixth Mount Zion Baptist Temple, Hampton , VA Dr. Michael A. Battle Sr., U.S. Ambassador President, ITC Seminary, Atlanta, GA Dr. Timothy Boddie Friendship Baptist Church, Atlanta, GA Bishop John R. Bryant Presiding Prelate of the 5th Episcopal District Dr. Harold A. Carter, Sr. Pastor, New Shiloh Baptist Church, MD Dr. Suzan Johnson Cook, U.S. Ambassador Dr. WIlliam H. Curtis Mt. Ararat Baptist Church, Pittsburgh, PA Bishop Ralph L. Dennis Sr. Pastor, Kingdom Worship Center, MD Wanda Q. Draper/Media Executive Michele J.K. Epps/Health Sciences Cassandra Vaughn/Out Foxed Media LLC. www.Outfoxedmedia.org Dr. Donte’ L. Hickman, Sr. Pastor, Southern Baptist Church, MD Pastor Timothy V. Manigault Bishop Dennis V. Proctor Presiding Prelate of the Western Episcopal Region AME Zion Church Dr. Kenneth O. Robinson Pastor, Restoring Life International Church, MD Bishop Walter Scott Thomas, Sr. Pastor, New Psalmist Baptist Church, MD Dr. Timothy Tooten, Sr. Pastor, Harvest Christian Ministries, MD
Grace & Glory Magazine By Mail! For subscription and advertising information contact 443-813-6547; 410-370-2636 or info@gracenglorymagazine.org
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from the editor
October is National Clergy Appreciation Month. This month congregations all over the nation will take time out to honor their Pastors. It is Biblical for a church to recognize and honor the men and women of God who serve faithfully the flock of God. Paul wrote the following words to
caring for their flock. A minister's work
Month, remember to thank God for the
day is rarely a "9-5" job, and they cannot
precious gifts He has bestowed upon us,
go home at the "end" of the day and just
His anointed men and women of God, our
leave all the occupational problems at the
beloved Pastors!
the church at Thessalonica:
office. A Pastor is never off-duty and he
“Now we ask you, brothers, to respect
and think about all he does we would be
those who work hard among you, who are
more sensitive to our Pastor’s needs. We
over you in the Lord and who admonish
should always lift our Pastors in prayer
you. Hold them in the highest regard
and ask the Lord to surround them with
in love because of their work . . .” (I
loving care, to give them strength and
Ephesians 4:11-12
Thessalonians 5:12-13)
walk with them, and to help them with the
Peace and blessings . . .
It is clear from scripture that the faithful and dedicated Pastors of our churches are worthy of appreciation and honor. Clergy Appreciation Day provides an excellent opportunity for our churches to affirm their love and appreciation for those who are called by God and who lead their congregations in fulfilling the Great Commission. Their responsibility is to equip God's people to do His work and
is always on call. If we stop for a moment
burdens that they must bear.
“And He gave some apostles; and some, prophets; and some evangelists; and some pastors and teachers; For the perfecting of the saints, for the work of the ministry, for the edifying of the body of Christ.”
Many of us have been members of our churches for many years. If you look back over the years, I believe that you would agree that our pastors have played major roles in the fabric of our lives. They have prayed for us, taught us, corrected us and guided us. Our pastors have celebrated and laughed with us in the good times, cried with us in times of sorrow and loved
build up the church, the Body of Christ.
us when we weren’t so lovable.
Pastors and other ministers work tirelessly
As we celebrate Clergy Appreciation
Jackie Epps Editor-in-Chief
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Q A Q&A interview
&
INTERVIEW
WITH Dr. Harold A. Carter, Sr. The New Shiloh Baptist Church Baltimore, md
G&G: Welcome back Dr. Harold A. Carter, Sr. It is always a pleasure to talk with you and since you are no stranger to anyone here in this city I’m going to jump right in. The New Shiloh Baptist Church is celebrating its 110th Church Anniversary. How many of those years have you been the shepherd of this flock? Dr. Carter, Sr.: First, I want to thank Grace & Glory for giving us this opportunity to, once again, share some things about our church and ministry. Of the 110 years that New Shiloh has existed, I have been blessed to have been pastoring, here, for almost 48 of those years. G&G: Dr. Carter, Sr. what would you contribute to the longevity and the fruit of this ministry? Is it just the fidelity to the Gospel of Jesus Christ alone? Dr. Carter, Sr.: Actually, I believe that to a great extent the answer is in your question. Yes, fidelity is more than necessary, but it does not mean the absence of hard work. The church operates on a lot of levels and demands a lot of thought, planning, and the need to even remain relevant. G&G: Dr. Carter, Sr., if a ministry is known by its fruit, would you say the test of any ministry is the production of saints, calling and equipping disciples, in other words the church turned inside out? Dr. Carter, Sr.: Your question is very important and, again, the answer is found therein. We cannot improve on what Jesus said, in St. Mt. 7:20, that “by their fruits ye shall know them.” The essence of fruit, in Jesus’ teaching, is soul-winning and soul development, which have been and continue to be, the most difficult of works in the church. Practically, any church can have a musical event and pack the church, but such must not be confused with growing/ discipling the saints. Jesus grew/discipled the saints by laying hold on “the few” and developing them… and don’t forget, He was still developing them after His resurrection. G&G: Dr. Carter, Sr. how do you see the church’s role as it relates to social issues and in specific community issues? Should the church be involved in political issues? Dr. Carter, Sr.: The church must be involved in political issues, but it (she) must not cancel out its (her) “first love”—the Gospel. Enemies of the church, generally speaking, want the church to be deeply involved in political (and secular) agendas, but seldom do we see these enemies concerned about the primary objectives of the church. This is why Jesus dealt with the problem by saying, “Seek ye first the kingdom of God, and his righteousness, and all these things shall be added unto you” (St. Mt. 6:33). Other agendas will follow. Admittedly, sometimes, the church reverses this order. But, if we are pressed to choose, that one must be the Kingdom of God. G&G: Dr. Carter, Sr., what does it mean to you to pastor the New Shiloh Baptist Church, a ministry with such a rich heritage and legacy? 8 8 October October2012 2012| |Grace&Glory Grace&Glory
Dr. Carter, Sr.: I’ll answer your question by sharing a comment of a preacher who recently ministered in our church and is blessed to minister in other churches, as well. He had just finished preaching, and as we shared together, following the service, I said to him, “Doc, you really preached the Gospel, here, today.” He responded, “Thank you, but I must tell you that there aren’t too many places where preaching is so readily received and where corporate worship turned me on, like here, in New Shiloh.” His statement is my response. There is, in New Shiloh, the driving sense that one’s next sermon must be better; the next worship must be higher and be full of expectation; and that the best is yet to come. The many years I’ve been at New Shiloh have been based on this abiding attitude that keeps me charged and challenged.
Dr. Harold A. Carter, Sr.
G&G: Dr. Carter, Sr., what words of wisdom or advice can you offer fathers and sons who pastor and serve in ministry together? Dr. Carter, Sr.: Ironically, there must be a sense of disunity in the midst of unity. That is to say, both persons must not be stifled by the relationship. In fact, it should be that both should be allowed to be enhanced and enlarged by the relationship. Both persons, paradoxically, must be the person God has called him (in this instance) to be. And, yet, in being this person, he is amazing in unity with the other, with whom he serves. G&G: Dr. Carter, Sr., lastly I have one personal question for you. I believe as we mature in the faith our wisdom and knowledge of Jesus also matures, what does Jesus mean in your life today? Dr. Carter, Sr.: This is the hardest of all the questions you’ve raised, for me. Jesus spoke of the great, “I Am’s” regarding His relationship with God and who He is for us. I am discovering, in my relationship with God, that my best understanding is Jesus being whatever I need Him to be, in any given situation. Years ago, I would probably have used some packaged statement to answer, like: “He’s my Savior. He’s my friend,” etc. but these statements fail to come to grip with problems I have faced, of late, where nice packaged (or clichéd) statements may not always, for me, “ring the bell.” Jesus’ understanding, to me, as the great “I Am” means that He’s always ahead of me, and I’m always amazed seeking to be His follower. In this sense, I’m still struggling by faith to know more and more about this One who leads me, for even now He causes me to say, “He’s a wonder. He’s a wonder to my soul.”
Q&A interview
INTERVIEW WITH Dr. Harold A. Carter, Jr.
G&G: Dr. Harold A. Carter, Jr. welcome back to you too. As the New Shiloh Baptist Church celebrates its 110th Church Anniversary, we salute you and Dr. Harold A. Carter, Sr., the dynamic duo that pastors this historic church in Baltimore City. When did you join your father as pastor of New Shiloh? Dr. Carter, Jr.: I received an official letter from New Shiloh in August of 1996 informing me that the congregation had unanimously voted to call me as pastor and serve along with my father, Dr. Carter. This is fresh in my mind, because I had recently observed my 16th Pastoral Anniversary on the 3rd Sunday (September). G&G: Dr. Carter, Sr., what does it mean to you to pastor the New Shiloh Baptist Church, a ministry with such a rich heritage and legacy? What encourages you most as the pastor of this ever-evolving church? Dr. Carter, Jr.: New Shiloh is, indeed, a ministry that has embodied the spirit of our people’s faith. The history has proven that our congregation can be effective in doing God’s work with a cross-section of members from all “walks of life.” I believe this has been, and continues to be, one of our great flags to wave; the diversity of our membership. This is what, also, encourages me, even now. Come to New Shiloh, and you will truly see that God is no respecter of person. His love is for all. G&G: Dr. Carter, Jr., do both you and Dr. Carter, Sr. establish the goals of the church together and communicate those to the congregation? What kinds of decisions belong to you and what kinds of decisions belong to Dr. Carter, Sr. or are decisions shared between the two of you? Are there ever any conflicts between the two of you as it relates to the direction of the church? Dr. Carter, Jr.: Responding to your last question first, I can honestly say that over these 16 years, there has been no conflict, issue, etc., in the sense of disagreement or disunity. Truly, one would have to agree and believe that God is with us. I can’t even say that there have been times when we’ve (so-called) had our moments. My father, Dr. Carter, is a joy to work with. Ours has been an open and mutual work. Obviously, I honor and respect his seniority. And due to the kind of ministry that we seek to provide, communication is essential, which we seek to maintain. To say that I do one thing or decide one thing, and he does another wouldn’t be accurate. I simply refer to what we do as “a mutual pastoral ministry.” G&G: Dr. Carter, Jr., obviously you and your father are two distinct individuals, in providing leadership to the congregation, how do you assist members to be the Church, in worship and in service to the community? And what are the expectations for church members? Dr. Carter, Jr.: Because what we seek to do is a shared vision and work, I cannot say that I have intentionally sought to “carve out” a certain modus operandi apart from what has been in place. Mine has been one of support and loyalty. Therefore, my desire for our members is our desire for our members and that is that we be a “determined people (seeking) to live with Christ.” G&G: Dr. Carter, Jr., before the work of the church “can be in order”, what do you believe must occur first in the lives of the Christians who compose the church to be able to carry out the work of the church? Dr. Carter, Jr.: If by compose you mean comprise, then the answer is profoundly simple. Jesus said, “Marvel not… ye must be born again” (John 3:7).
Dr. Harold A. Carter, Jr. G&G: Dr. Carter, Jr., what sort of church do we need to produce disciples to carry out the work of the church? And what sort of pastor do you need to be to produce leaders in that sort of church? Dr. Carter, Jr.: Again, the answer is succinct. By virtue of being a disciple one should carry out discipleship work. I suppose, to some degree, we have been guilty, in the church, of allowing there to be distinctions between title and service. However, ideally, one cannot be called a disciple and not carry out the work, and solid Bible training and prayer are the major ingredients in producing disciples, post salvation. G&G: Dr. Carter, Jr., would you share with us what you are currently preaching and teaching on? Dr. Carter, Jr.: Our Annual Summer-Ending Revival Crusade, which was the last week of August, carried the theme: “The Greatness of the Great Commission.” I want to believe that leading up to that week, and even now, my preaching and teaching carries that emphasis. All of us who are saved are called to be witnesses of Jesus Christ and His love. G&G: Dr. Carter, Jr., lastly how would you sum up the spiritual health of the congregation in qualitative terms (like prayer, evangelism, love for one another, etc.)? And what is next for the New Shiloh Baptist Church Family? Dr. Carter, Jr.: One of the great traits that is often spoken of about New Shiloh, especially by visitors and those who are new members, is that regardless of size, New Shiloh is a very warm congregation. Our health, then, is inextricably tied up in the fact that we love God, and we love one another. It is that spirit that resonates in our prayer-life, study-life, witnessing-life, mission-life, family-life, and our worship & praise-life. We can only believe that such a spirit will continue to abide that we might be an ongoing blessing, as a colony, in God’s earthly Kingdom.
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church history
New Shiloh B a p t i s t
C h u r c h
2100 N. Monroe Street, Baltimore, MD 21217
Historical Sketch New Shiloh Baptist Church has a rich and glorious one hundred year history. Founded in 1902, the church has been led by the late founder Dr. Whit W. Allen (1902-1942); Dr. J. Timothy Boddie (1942-1963); and is presently being led by Dr. Harold A. Carter (1965- present) and Dr. Harold A. Carter, Jr. (1996- present). New Shiloh Baptist Church has sought to nurture the people of God through dynamic
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and anointed preaching and teaching, spirit-filled singing, and a strong prayer emphasis. New Shiloh’s ministry has sought to be innovative in reaching souls and edifying saints, through City-Wide Crusades, Revivals, Saturday Church School, Radio and Television Ministries, a Church-Wide Evangelistic Ministry and the Daily 6:00 a.m. Prayer Service, and the development of the New Shiloh Village Center, including The New
church history
Shiloh Senior Living Building (81 units), among other opportunities of service and ministry. The church has been led by Dr. Carter and Dr. Carter, Jr. (47 and 16 years, respectively). Together, they continue to create a spiritual model of faith, prayer, and service. Missions, Evangelism, and Christian Education continue to be the pillars that give foundation for New Shiloh. Two schools, The New Shiloh School of Music and The Determined Biblical
The Present-Monroe Street
and Theological Institute of Baltimore bear witness to the church’s mission to nurture the total person. From little children to mature adults; from those who have been in bondage by various addictions to those who have been prisoner to the pursuit of selfgain and worldly wisdom; from those seeking answers to life’s dilemmas to those having found answers are in Jesus; all find a perpetual welcome at New Shiloh Baptist Church.
The Past-Lanvale & Fremont Ave.
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mayor’s journal
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education digest BALTIMORE COUNTY -- It was the first day of classes for more than one million Maryland public school students. In the hustle and bustle of the day a 15 year-old boy walked off of his bus and onto the Perry Hall high school campus with a shotgun. Authorities said the weapon was stored in his book bag. A few hours into the school day the student assembled and loaded the gun in a bathroom. He then walked into the school cafeteria and fired two shots. One of those shots seriously injured a17 year-old classmate. Police fear the situation could have been even worse if it had not been for a quick thinking school counselor who pinned the suspect onto a vending machine. A little more than two weeks later and about ten miles away Stemmers Run Middle School in Essex was also placed on lockdown. Police say a 13 year-old boy showed up in his 8th grade classroom with a loaded handgun. The weapon was about the size of a cell phone. Police say the teenager pointed the gun toward his teacher who stood between the gunman and her students. She managed to wrestle the gun out of his hands. Police determined that the student had also brought the gun from home. In incidents, a school counselor and classroom teacher risked their lives in the line of duty. The head of the Teachers Association of Baltimore County, Abby Beytin, says she’s concerned about teacher safety. Beytin told me, “We were very fortunate that our brave teachers are fine, but it could very well have been what’s happened elsewhere and those brave teachers are the ones who are counted among the ones we lose.” I stood on the grounds of both Baltimore County schools the same day guns were brought to campus. I am convinced that we need more brave parents and guardians. We need adults who are brave enough to study their children’s behavior at home.
“We were very fortunate that our brave teachers are fine, but it could very well have been what’s happened elsewhere and those brave teachers are the ones who are counted among the ones we lose.” – Abby Beytin, Teachers Association of Baltimore County
Baltimore County’s Police chief advised parents to lock their weapons in order to keep them out of the hands of children. My father was a gun owner. I owned a shotgun, along with my brother. We used our gun for hunting. There was never a thought of bringing the weapon to school. At the time, my father was responsible for the guns he owned and his children. There should be no reason for those roles to change. Gun control should not be left in the hands of brave teachers. I truly believe brave teachers, in the line of duty, should spend more of their time teaching reading, writing and arithmetic instead of putting themselves in harms way. I have always believed that our schools are only as good as our parents. I add our schools are only as safe as our parents. Dr. Tim Tooten, Sr. is an Emmy award winning journalist and the Senior Education Reporter for WBALTV (NBC). He’s also the Pastor and Founder of Harvest Christian Ministries in Baltimore County, Maryland.
Dr. Tim Tooten, Sr.
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governor’s page
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to your good health
Integrity is the key to any leadership role whether church or secular. Over the years we have seen the failure of leaders not because of their lack of training and expertise in their field or their personalities not blending well with others but due to the lack of integrity. Ministries suffer when the leadership becomes dysfunctional because of the myriad of expectations and the weight of the assignment that persons are called to fulfill. Giving persons the necessary training and support throughout their leadership tenure can help alleviate some of the fallout of ministry burnout and incompetence. We need to realize that trying to do everything can lead to lapses in judgment that compromise one’s integrity can help people stay focused on what matters most – their relationship with God. People are not looking for perfection but they are looking for honesty and someone they can trust to model their spiritual and personal lives after. They are looking for role models and if the actors, athletes and recording artists want to declare that they are not role models, then we in the church must assume our designation as role models. We are to be people of virtue and values so others may see our good works and glorify our God in heaven. We are to be generous and sacrificial in our giving not just financially but with our time and talents. Christians and Christian leaders in particular are held to a standard not only within the Christian community, but also in the community at large. We have as one pastor I know
describes it “mega-influence”. We are the light of the world and the salt of the earth and in this role we are to disseminate our influence by building a foundation of faith in Christ and by living a life of integrity. The bottom line is that character matters. We all make mistakes but it is how we handle those mistakes that influence our level of integrity. Integrity is not just a facet of our public ministry but is also a byproduct of our hearts. Man looks at the outward appearance but God looks at the heart. Our character gives others a view of how authentic our relationship with God is and is expressed in our daily living. James 5:12 gives us the advice to let your “Yes” be “Yes,” and your “No,” “No.” There is no distinction made for when the time is appropriate to respond, act and live with integrity. It is a choice we all must make. Whenever we are faced with decisions that challenge our beliefs and standards we must remember to respond with integrity. It is sometimes a tough decision to make but the more you make decisions with integrity and the more you become confident in your choices. Take a stand; you will not regret it because integrity matters. Carla J. Debnam, MS, LCPC Executive Director, Renaissance Christian Counseling Center
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nutrition & you
Healthy Substitutes
By Herline A. Knights, RD, LD
Breakfast Foods
THIS: TRYTRY THIS:
TRY THIS:
Regular pork sausage patties
Turkey or soy sausage patties
Pasta with cream sauce
Pasta with marinara sauce
Regular pork bacon strips
Turkey or soy bacon strips
Regular ground beef
Extra lean ground beef
Regular ground beef
Ground turkey breast
Donut or Danish pastry
English muffin with natural peanut butter and fruit spread
Regular ground beef
Veggie burger crumbles
Toast with butter
Whole wheat toast with trans-free, canola margarine
Creamy salad dressing
Vinaigrette salad dressing
Bagel with cream cheese
Whole wheat or multi-grain bagel with light cream cheese
Creamy salad dressing
Olive oil and vinegar
Eggs
Omega-3-enriched eggs, egg whites or egg substitute
Cream sauce
Lowfat cream of mushroom soup
Regular mayonnaise
Light or nonfat mayonnaise
Blueberry muffin, commercially prepared
Homemade bran muffin (made with canola oil)
Regular cream cheese
Light or nonfat cream cheese
Regular peanut butter
Natural peanut butter
Jelly or jam
Fruit spread or apple butter
Whole ricotta cheese
Nonfat ricotta cheese
Heavy cream
Evaporated skim milk
Whole milk
Low fat or nonfat milk
Whole yogurt
Low fat or nonfat yogurt
Whole cottage cheese
Low fat or nonfat cottage cheese
Regular cheese
Reduced fat or soy cheese
Regular sour cream
Light or nonfat sour cream or plain yogurt (for extra calcium)
Roasted peanuts
Homemade mix: walnuts, almonds, raisins, cranberries, peanuts
Regular butter popcorn or “kettle corn”
Light microwave popcorn
Regular potato chips
Light or baked potato chips
Regular corn chips
Light or baked tortilla chips
Cornflakes with whole Bran flakes with skim milk milk Sandwiches Corn beef or pastrami
Lean roast beef or turkey breast
Ground turkey burger
Ground turkey breast burger
Beef hamburger
Veggie burger
Croissant
Whole wheat bread
Tuna salad with mayo
Tuna salad with light mayo
Chicken salad with mayo
Chicken salad with light mayo
Egg salad with mayo
Egg salad with light mayo
Breaded chicken patty
Grilled chicken breast
Breaded fish patty
Grilled fish filet
Side Dishes Coleslaw
Dinner Entrees
Instead of: of: Instead
Instead of:
Sauces
Spreads
Dairy Products
Snacks
Tossed salad w/ vinaigrette dressing
French fries
Fruit salad or carrot sticks
French fries
Oven fries or baked potato
Potato salad with mayo
Potato salad with light mayo
Butter flavor crackers
Whole wheat crackers
Nacho cheese dip
Black bean dip or salsa
Regular ice cream
Low fat or nonfat frozen yogurt
Fried vegetables
Steamed vegetables
White rice
Brown rice or wild rice
Couscous
Whole wheat couscous or quinoa
Ice cream bar
Frozen fruit bar
Breaded fried chicken breast
Skinless roasted chicken breast
Milk chocolate candy bar
Dark chocolate candy bar
Breaded fried fish
Broiled fish filet
Cheesecake
Breaded fried shrimp
Boiled or sautéed shrimp
Graham crackers topped with light cream cheese and strawberry spread
Beef ribs or prime rib
Beef sirloin or round steak
Fruit pie in pastry shell
Fresh fruit crisp
Pork chops
Turkey breast Veggie pizza with less cheese
Strawberries with custard
Strawberries with nonfat pudding
Meat pizza with extra cheese
Candy bar
Granola bar
Desserts
Note: Salsa, relish, chutneys, mustard or ketchup may be substituted for many condiments depending on personal taste, but be mindful of sodium content. www.gracenglorymagazine.org www.gracenglorymagazine.org 27 27
28 October 2012 | Grace&Glory
body basics
15 Tips to Restart the Exercise Habit (And How To Keep It) by Scott H. Young www.lifehack.org
It’s okay, you can finally admit it. It’s been two months since you’ve seen the inside of the gym. Getting sick, family crisis, overtime at work and school papers that needed to get finished all kept you from exercising. Now, the question is: how do you start again? Once you have an exercise habit, it becomes automatic. You just go to the gym, there is no force involved. But after a month, two months or possibly a year off, it can be hard to get started again. Here are some tips to climb back on that treadmill after you’ve fallen off. Don’t Break the Habit – The easiest way to keep things going is simply not to stop. Avoid long breaks in exercising or rebuilding the habit will take some effort. This may be advice a little too late for some people. But if you have an exercise habit going, don’t drop it at the first sign of trouble. Reward Showing Up – Woody Allen once said that, “Half of life is showing up.” I’d argue that 90% of making a habit is just making the effort to get there. You can worry about your weight, amount of laps you run or the amount you can bench press later.
Enjoyment Before Effort - After you finish any work out, ask yourself what parts you enjoyed and what parts you did not. As a rule, the enjoyable aspects of your workout will get done and the rest will be avoided. By focusing on how you can make workouts more enjoyable, you can make sure you want to keep going to the gym. Create a Ritual - Your workout routine should become so ingrained that it becomes a ritual. This means that the time of day, place or cue automatically starts you towards grabbing your bag and heading out. If your workout times are completely random, it will be harder to benefit from the momentum of a ritual. Stress Relief - What do you do when your stressed? Chances are it isn’t running. But exercise can be a great way to relieve stress, releasing endorphin which will improve your mood. The next time you feel stressed or tired, try doing an exercise you enjoy. When stress relief is linked to exercise, it is easy to regain the habit even after a leave of absence.
Commit for Thirty Days – Make a commitment to go every day (even just for 20 minutes) for one month. This will solidify the exercise habit. By making a commitment you also take pressure off yourself in the first weeks back of deciding whether to go.
Measure Fitness - Weight isn’t always the best number to track. Increase in muscle can offset decreases in fat so the scale doesn’t change even if your body is. But fitness improvements are a great way to stay motivated. Recording simple numbers such as the number of push-ups, sit-ups or speed you can run can help you see that the exercise is making you stronger and faster.
Make it Fun – If you don’t enjoy yourself at the gym, it is going to be hard to keep it a habit. There are thousands of ways you can move your body and exercise, so don’t give up if you’ve decided lifting weights or doing crunches isn’t for you. Many large fitness centers will offer a range of programs that can suit your tastes.
Habits First, Equipment Later – Fancy equipment doesn’t create a habit for exercise. Despite this, some people still believe that buying a thousand dollar machine will make up for their inactivity. It won’t. Start building the exercise habit first, only afterwards should you worry about having a personal gym.
Schedule During Quiet Hours – Don’t put exercise time in a place where it will easily be pushed aside by something more important. Right after work or first thing in the morning are often good places to put it. Lunch-hour workouts might be too easy to skip if work demands start mounting.
Isolate Your Weakness - If falling off the exercise wagon is a common occurrence for you, find out why. Do you not enjoy exercising? Is it a lack of time? Is it feeling self-conscious at the gym? Is it a lack of fitness know-how? As soon as you can isolate your weakness, you can make steps to improve the situation.
Get a Buddy – Grab a friend to join you. Having a social aspect to exercising can boost your commitment to the exercise habit.
Start Small - Trying to run fifteen miles your first workout isn’t a good way to build a habit. Work below your capacity for the first few weeks to build the habit. Otherwise you might scare yourself off after a brutal workout.
X Your Calendar – One person I know has the habit of drawing a red “X” through any day on the calendar he goes to the gym. The benefit of this is it quickly shows how long it has been since you’ve gone to the gym. Keeping a steady amount of X’s on your calendar is an easy way to motivate yourself.
Go for Yourself, Not to Impress – Going to the gym with the only goal of looking great is like starting a business with only the goal to make money. The effort can’t justify the results. But if you go to the gym to push yourself, gain energy and have a good time, then you can keep going even when results are slow. www.gracenglorymagazine.org 29
30 October 2012 | Grace&Glory
woman’s perspective
A Letter
To My Kids
Dear Love bugs,
Everyday I pray for you. I ask God to forever help you to hold on to His unchanging hands. Let me explain what that means. You see in life you will have challenges, you will face heartache, you will face betrayal, but no matter what you face God will always be there. In life things will change, people will change, but one person that will not change is God! That's why I pray and ask him to keep you close to His unchanging hands because no matter what happens or where you go, there will always be one thing that will not change- God’s unmovable, unchanging, unconditional Love. He will always be just a whisper away, an arm’s length of love and He will never put you on hold. So when things in life change, people turn their backs and doors seem not to open fast enough, remember to Hold on to God’s unchanging, awesome hands, He will surely bring you out.
Cassandra Vaughn-Fox Out Foxed Media, www.outfoxedmedia.org
www.gracenglorymagazine.org 31 31 www.gracenglorymagazine.org
32 October 2012 | Grace&Glory
God’s
Got You!
teen connect The question that everyone asks after a school shooting is, “Why did this happen?” The answer is nobody really knows. Authorities and experts give their opinions and still nobody really knows. This school year has just begun and it is unfortunate that there have been nearly five shootings in three weeks in Maryland. We’re not experts but one of the reasons why this is happening is because we now have a generation that does not fear God. A wise man once said, “First, I fear God. Next, I fear him who fears Him not.” To “fear” God means to judge every thought and action in the light of God’s word. Someone who fears God will not lie, steal, or kill his neighbor. A person who does not fear God will esteem his own “happiness” to be of greater importance than God’s love and favor. He will lie, steal and even commit murder! Bullying others, talking smack and being downright disrespectful is unacceptable, especially if you have confessed Jesus as your Lord and personal savior. Those who have not yet surrendered their all to Jesus are in need of your prayers and positive influence. As a believer it is important to know God fights your battles so you have no need to retaliate if you are picked on. Most bullies are crying out for help. They need to know your God! You can help your school maintain a safe, peaceful and orderly environment. Trust your feelings but leave your weapons home. If someone makes you feel uncomfortable or you feel threatened do not try to handle it by yourself. Let your parents or a trusted adult know. You deserve to feel safe, and you should keep asking until you get the help you need. Do you love God enough to not sweat the small stuff and live life on purpose? Do you love God enough to stay out of trouble and commit your ways to Him? God’s got you.
Pastors Gregory & Tonya Dennis Kingdom Worship Center
6419 York Road, Towson, MD 21212
410-377-3500
www.gracenglorymagazine.org www.gracenglorymagazine.org 33 33
34 October 2012 | Grace&Glory
www.gracenglorymagazine.org  35
36 October 2012 | Grace&Glory
bookshelf
Book Shelf
by Brandie Manigault
The Chronicles of David King Lost & Found
business opportunities, encountering the church, experiencing the Lord, and getting into typical teenage mischief.
I just finished a book that was recommended to me by a friend. I’m so glad that I took their advice and read it. This book had me so caught up in the story line, that I couldn’t seem to put it down to go to bed at night. I just had to know what was going to happen next. I found myself saying “one more chapter” a few times before I finally forced myself to stop. It was definitely an easy read, a page turner.
One thing that I loved while reading this book was how Jonathan Lambe incorporated “teenage” language. The characters “stayed in the lanes”. He didn’t try to make them sound like adults. The way he described their actions and interactions with other characters made for an easy and relatable read. The story line was believable. I could see my cousins hanging out with David and JP. Knowing that the book was fictional, didn’t make it any easier to digest the realities of what the characters had to face. I even gasped and wanted to cry during one chapter (I won’t tell you where. You will have to read it and
By Jonathan Lambe I
Jonathan Lambe has taken one of the most known men in the Bible and created a fictional novel out of his life. He skillfully interwove the major points of King David’s story from being a shepherd boy all the way to being a King (victorious and tempted) into a modern day story relatable to the masses in his novel The Chronicles of David King Lost & Found. In The Chronicles of David King, a teenage boy is uprooted from his home, his friends, his school… his life in New York… after the passing of his mother and is transplanted to the complete opposite coast to live with his father that he never knew and a family that would have rather never known of his existence. He gets beat up at school and tormented at home. Where does he find safety… his basement bedroom and the one person who would call him friend, JP. Together David and JP would go on an adventure together pursing their musical passion, creating
find out for yourself!). I have to say that although this book The Chronicles of David King was a good size book in the number of pages, when I got to the last page my heart sank because it was the last page. I am hoping that the title is a prediction of things to come and a part two is in the making (and maybe even a movie!). Do I recommend The Chronicles of David King? Absolutely. While I was reading it I couldn’t help but think of how excellent of a gift it would be especially for the teenage crowd. The story of David King reflects the life of a teenage boy trying to find his place in the world as he tries to navigate successfully through his family life, girls, school, his passions in life, his friends, and the death of the ones he loves. If you have a teenage son or know a teenage boy, I would definitely give them this book. Youth pastors… it’s a must read for your youth.
About The Author
Jonathan E. Lambe
Jonathan E. Lambe is a visionary that has captured the complexity of the human experience from years of working with teens, young adults and their families. Transforming an ancient story and breathing modern life into it, this author’s desire is to see people entertained, challenged, and inspired through his first novel – The Chronicles of David King: Lost & Found. Jonathan was born and raised in New England, and currently resides in Bermuda with his beautiful wife Candice. A humanitarian, cutting edge communicator, and a cultural architect, Jonathan speaks internationally to crowds of diverse ages and backgrounds. Jonathan has the rare ability to awaken the human spirit and empower people to live on purpose and choose to reign in life. www.gracenglorymagazine.org 37
Marvin McQuitty
Drummer extraordinaire passed last month on September 11th, in Houston TX, at age 46. Marvin McQuitty's skills have been heard with gospel artists such as, Fred Hammond and Israel
& New Breed, and secular artists such as Stevie Wonder and Jessica Simpson. All of the social networks were buzzing with condolences for his family, shared memories of how his gifts inspired so many up and coming musicians, and artists, Teddy Campbell, Joe "Flip" Wilson, Gerald Heyward, and Aaron Spears, to name a few. His memorial services were held on Monday, Sept 17, at Grace Church of Humble, in Humble, TX. There was also a "Celebration of Life" service in his hometown of Detroit, Michigan, at Straight Gate International. Marvin McQuitty left his mark and legacy in the music industry and will truly be missed.
Eric Waddell & The Abundant Life Singers
There is a choir storm sweeping through Baltimore, and it’s Min. Eric Waddell & The Abundant Life Singers! There are quite a few community groups, but the days of choirs aren’t as prevalent as they use to be. However this aggregation is doing it big. On September 29th they recorded their debut project live at the Israel Baptist church. The night featured appearances by Ricky Dillard, Stephen Hurd, Kervey Brown, and Pastor Guy Robinson, it was absolutely great!!! If you have not had an opportunity to experience their ministry you are truly missing out! I’m not biased because he’s my cousin, but he and his group deliver each and every time I hear them check them.
Top 5 Gospel Songs
BIG NEWS!! Verizon’s How Sweet the Sound competition is already in full swing! However this year’s winner will not just receive the cash prizes, but this year’s winner will also receive a record deal! How Sweet the Sound Records has partnered with Light Records, and e One Entertainment.
Le’Andria Johnson
Not less than a week from her Live CD/DVD release, Le’Adria Johnson of Music World Gospel, gave birth to baby number 4, Le’Andria’s message to her fans, “It’s a healthy baby boy! Thanks for your prayers and support!” Her baby boy was named Caelington Forest Walker, her longtime mate; Forest Walker and Le’Andria are excited about the arrival of their newest family addition. Le’Andria has had an exciting year! Her debut album sold over 200,000 copies, and she bagged both Grammy’s for Best Gospel/Contemporary Christian Performance, for her hit song “Jesus”, as well as Best Female Gospel Artist Award at the Digital Gospel Awards. Le’Andria worked on her Live DVD, her music video, and various concert performances, throughout her pregnancy. She’s going to take a few weeks off to enjoy her new baby, and then swing back into action promoting and touring. Her album Le’Andria Johnson: The Experience hit stores last month, mid-September. Due to her being an unwed gospel artist, she received a great deal of back lash, scrutiny, and criticism. She’s been divorced twice and has faced major difficulties and setbacks in her life. She made the conscious decision that despite of it all to keep pushing, ministering, and going after God. Songs on her new project, “Complicated”, “If Jesus Can’t Fix It”, and “My Story Continues”, tell her story and she hopes that you understand and can relate to her trial, triumphs, and testimony.
1. Take Me to the King...................................................... Tamela Mann 2. Awesome........................................................... Pastor Charles Jenkins 3. Life & Favor (You dont know my story) . ... John P. Kee & New Life 4. Let the Church Say Amen ......... Andre Crouch feat. Marvin Winans 5. Go Get It ........................................................................... Mary Mary 38 October October 2012 2012 || Grace&Glory Grace&Glory 38
How Sweet The Sound
Top 5 Gospel Albums
1. Lacrae . .............................. Gravity 2. Best Days...................................................................Tamela Mann 3. Created 4 This . ................................................ VaShawn Mitchell 4. Jesus at the Center Live.................................Israel & New Breed 5. Life & Favor .......................................... John P. Kee & New Life
with Miss Ericka
Anthony Brown & Group Therapy
Deon Kipping Last month Deon Kipping had a CD release in Baltimore, and I must admit it was a phenomenal night! The concert opened with praise & worship by Kris Lightfoot, and then John Ball & True Destiny blessed the people with various melodic songs that were infused with vocal arrangements second to none. Then all the way from Wilmington, Delaware a powerhouse all by himself, Thomas “TC” Clay set the tone and took us even higher, preparing for the main course. Deon Kipping’s full band and singers ministered that night and flooded the alter with people young and old worshipping, praising, and crying out to God; anything you needed from God that night, you could get it!!! He sang his old hit one of my favs by request, “If God Was One of Us”, I love that song! He sang some ole worship songs that took us to such a place that night, I was speechless. His new CD is one you must get! I love it! From start to finish you won’t be disappointed!!! Go grab it!!! Til next month remember, What's Coming is Better than What’s Been, hold on Better Days are Ahead!" Follow me on twitter @MissErickaJ Instagram, MissErickaJ Facebook like My Fan Page "Industry News with Miss Ericka J" Email missericka75@yahoo.com
This vocal array of singers from the DMV released their debut album, lines formed at First Baptist Church of Glen Arden way before doors were scheduled to open, in anticipation of the great night!!! This wasn’t just a concert it was a musical production!! The DMV came out in LARGE number to show support for its native son Anthony Brown and his singers. The album has a song titled "Beyond Beyond" that’s what this evening was all about. First Baptist Church of Glen Arden is where Anthony serves as Assistant Minister of Music, along with Stephen Hurd who is the Minister of Music. The church’s praise team opened the concert and after that, LIGHTS, CAMERA, ACTION! Anthony Brown’s set started with a skit, depicting Anthony's journey carrying bags, but as the stories goes he lightened the load, dropping the bags, 'laying aside every weight'. His Tyscot label mate/co-producer, Grammy award winner VaShawn Mitchell joined him on stage briefly. Joshua Jenkins the album producer also did a monologue, about sowing and reaping, which prologues “Harvest Song” lead by Gospel Music's sweetheart, Maurette Brown Clark. Anthony Brown is an alumnus of Morgan State University as well as members of Group Therapy, and studied music under the late, Dr. Nathan Carter. The Morgan State Alumni Choir lead by Ramon Bryant Braxton on piano paid homage to Dr. Carter, the tribute started with the choir marching and filling the aisles singing "Lift Every Voice and Sing", followed by "Precious Lord", and "Great is Thy Faithfulness". Many of Brown’s mentors, peers, radio announcers, co-laborers, and legends in the industry were present to celebrate his night. "The Maestro" Richard Smallwood, Donald Lawrence, Byron Cage, Kim Burrell were front and center! Also included were Jason Nelson, Jessica Reedy, Patrick Lundy, Kenny Taylor, Cheryl Jackson, and Doressa Harvey. If you don’t have this album by now, it’s imperative you go out and grab it from Wal-Mart, Target, or any of your digital media outlets. While I enjoy the entire album, "Testimony", "Better Days", are two some of my favs.
James Hall & Worship and Praise
Professor James Hall is BACK!! His new release is “God Is in Control II, A Trip Down Memory Lane” and he will be in Baltimore doing a CD Release, on Sunday, Oct 7, at 7pm, the concert will be held at Mt Pisgah on Fulton Ave. The Professor has taken some of his old hits and gave them new flavor. It’s traditional churchy choir music with a contemporary kick! James Hall & WAP LIVE is an experience you don’t want to miss; he will have CD’s on hand, and will be signing them after the concert. Oct 7th, be there; don’t wait to hear about it!! www.gracenglorymagazine.org 39
fashion focus
www.chicous.org
Undoubtedly, leather will not go out of style any time soon. Real or faux, leather has always been favored by fashionistas, especially during colder seasons. This time around, our choice is actually not limited by a leather jacket. Leather pants, dresses and skirts are the hits of fallwinter 2012-2013 seasons. How can we wear leather without risking looking too rock-stylish? What to wear with leather skirts? How to wear leather pants? How can we really style up our outfits without spending too much on leather garments? If you want these questions answered, then this post on how to wear leather this fall 2012 is for you! What to wear with leather skirt. Leather skirts are definitely the hit of the season, and many of you may want to get one for your wardrobes. One of the ways to wear a leather skirt is to combine it with a plain shirt. I do believe that too much leather in one outfit may end up looking too rock-stylish. You may have seen all-leather-outfits looking fabulous on runways, but when it comes to real life we need to go easy on leather items. Combine an amazing burgundy leather skirt with a jean shirt and flats. As a result, you get a very casual and practical outfit with a leather skirt. What to wear with leather pants. If you decided to buy such an extremely trendy item as leather pants this fall, you need to have several ideas on how to wear them. If you combine your leather pants with a white shirt, you are guaranteed to look both – 40 October October2012 2012| |Grace&Glory Grace&Glory 41
trendy and elegant. Studded loafers – another hit of fall 2012 – will go well with an outfit like this one. Notice that there are some pants that are not made entirely from leather – they just have some leather elements. If you have a pair of pants like this, feel free to combine them with a leather jacket. On the contrary, if you have all-leather-pants, I would be very careful when making a decision to add another leather item. In this case you can wear a regular classy jacket instead. Leather dresses are trendy and great to wear for chilly fall days. Keep in mind – you do not necessarily need to go for a dress made entirely from leather. A leather-trimmed dress can be a very practical item for your fall-winter outfits. You can even get away with wearing it to an office if you combine it with a classy jacket. If you add some accessories and high-heeled shoes, you get a perfect outfit for going out. Note: We have seen many pairs of long leather gloves worn on the runways this season. If you do not want to spend
fashion focus too much on leather dresses, pants or skirts, but still want to style up your fall outfits, you can just get a pair of leather gloves. Wear your leather gloves with a cape for a trendy and sophisticated look. Wide leather belt is another leather item that will not cost you a fortune, but can definitely add chic and style to your outfit. Here are two different footwear ideas; the days when a combination of a light dress and leather boots was a huge no-no are gone. These days, combining various styles and materials is fashionable and chic, if done properly. You get a perfect outfit for going to an exhibition or a concert, if you wear your dress with knee-high-boots and a fur vest. Wear your dress without the vest and replace the boots with high-heeled shoes instead, and you get a cocktail outfit. These are just several ideas on how to wear leather this fall. There are many other leather fashion trends to explore. Patent leather and alligator-patterned leather are just a few trends to mention. Of course, there is always an option to go for faux leather if you wish.
*****
Tips on How to Wear a Leather Jacket
A leather jacket is an item that, I believe, should be in every fashionista’s wardrobe; it is great for wearing during colder seasons. (If you are against wearing real leather, you can always go for faux leather!) Moreover, you can wear a leather jacket pretty much with anything, and look stylish. The days when leather jackets were appropriate only for wearing with jeans are gone. Personally, I love seeing great looks where leather jackets are combined with light silk dresses, romantic skirts and classy trousers. Mixing styles has become the major fashion trend, and I am very excited to share with you several creative ideas on how to wear a leather jacket. Idea# 1: With long romantic skirt. Combining a leather biker jacket with a light long romantic skirt and light blouse
creates that edgy contrast, which makes the whole outfit unforgettable. I really like how suede ankle boots add a romantic note to the outfit. A leather and stainless steel chain bracelet, on the contrary, add a drop of brutality and masculinity to the image. I have also played with colors by adding a contrasting color purse to spice things up. Idea# 2: With floral skirt. Wearing a leather jacket with a floral skirt is also one of the options, since floral prints continue to be trendy for fall 2012. Many fashion designers have also favored burgundy color in their fall 2012 collections. When shoe-shopping for the upcoming season, keep in mind that burgundy is one of the fall 2012 fashion trends. Why go for black boots, if you can opt in for some burgundy? Also add such accessories as the geek glasses, the satchel and the bright necklace in order to make the look even more funky and interesting Idea# 3: With a dress. Choose a floral dress and high-heeled purple sandals to accentuate the contrast between the biker jacket and a feminine dress and shoes. Also add a scarf and a purse of lemon color to brighten things up and make the whole outfit look warmer. Idea# 4: With pencil skirt. Again, play with mixing the different styles: combine a biker jacket with a classy pencil skirt, blouse and shoes of burgundy color to look very stylish and luxurious. Keep in mind that librarian-like shoes (with a medium height heels) are going to be one of the fall 2012 fashion trends as well. Idea #5: With wide leg trousers. As you can see, fashion rules have definitely changed, and any fashionista can get away with wearing a pair of classy trousers with a leather jacket. I suggest a striped sweater, but you can surely try a shirt or any other fitted sweater with wide leg trousers. I was really glad to see boots like in Giorgio Armani’s FallWinter 2012-2013 collection, since this type of footwear is both stylish and comfy. Add a hat to add some edginess to the look, but if you are not very big on hats, you can obviously go without it. Ok, let’s sum up what we have learned here about fall 2012 fashion trends. Floral print continues to be trendy for the upcoming season. Burgundy color is the rising trend for fall-winter 2012-2013. Hats and boots are also going to be trendy for the next season. And, of course, leather is one of the hottest fall 2012 fashion trends. www.gracenglorymagazine.org www.gracenglorymagazine.org 41 41
Forget the "freshman 15, " the dreaded additional pounds freshmen frequently pack on when they settle into life on their own. More important are the 15 smart financial moves you need to know to get through freshman year and beyond without racking up unnecessary debt. "Waiting until after college to take control of your finances could cost you,” says Nick Certo, senior vice president in University Banking at PNC Bank, "And like any good fitness regimen, getting started is half the battle.” Here's how to pass finance 101. 1. Be careful with credit. Free T-shirts are the late-night burritos of finances, Certo says. "They look good now, but you'll pay later. Think twice before signing up just to score some cool swag,” he says. It's not worth it to saddle yourself with a high-interest, annual-fee credit card that you don't need. Buy a T-shirt instead, and your bank account will thank you later, says Jackie Warrick, the chief savings officer at CouponCabin. com. Remember that a credit card doesn't equal free money. If you can handle a credit card, start with a $1,000-limit card that offers points or other rewards and pay your balance monthly. "Don't look at your credit limit as a goal for spending,” says Steve Weisman, a senior lecturer at Bentley University. "Carrying too high a balance on your card can hurt your credit and cost you more.” Late fees can add up quickly. Research which card makes the most sense given your spending habits and paying ability. Look at the annual percentage rate, annual fee, grace period and penalty fees, says Todd Mark, vice president of education for Consumer Credit Counseling Service of Greater Dallas. Also, keep track of your credit score and your credit report. 2. Stick to a budget. Make a budget. You don't have to go crazy with the details. Just outline how much money you receive monthly and what you need to spend. "Include an allowance for walking around money, and don't just go to the ATM for more than you budgeted, or you will frequently run out of money before you run out of month,” says Burton Speer, a certified public accountant with Mengel, Metzger, Barr & Co. Then, track your spending to make sure you're sticking to your budget. "Unlike the federal government, you can't just print more money,” Speer says. "Spending less is often easier than earning more.” Check out your bank's website budgeting tools, as well as software programs like Quicken, to help keep your budget on track. And take extra care of your wallet when you're out partying. It's easy to get caught up in the moment and dish out more than you want to spend when you're having fun. "When going out with friends, decide ahead of time how much you can afford to spend, leave the rest behind,” says Tahira Hira, professor of personal finance and consumer 42 October October2012 2012||Grace&Glory Grace&Glory 30
economics at Iowa State University. 3. Save early and often In your 20s, you have a small window of opportunity to wield the power of compounded interest. Consider this: If you save $3,000 a year when you're between 20 and 30 years old, put the money into an IRA with a 7% average annualized rate of return and never save again, you'll have $442,000 by the time you're 65, calculates Nicole Rutledge, a certified financial planner with Resource Consulting Group. However, if you wait to begin saving until you're 30 years old and put in $3,000 each year until you're 65, you'll end up with only $283,000 at the same rate of return. That's 35% less than if you had just saved the money in your 20s, even though you'd have put in more than three times the amount of money. So save regularly now. Skip a pizza or a couple of beverages a week and save for emergencies and retirement. Just save. 4. Take advantage of student perks Don't spend extra money on food if you have a cafeteria. Research college meal plans, which can be much cheaper than outside meals. "It might not be offering the meal you want, but that's another charge you won't have to make,” Mark says. And when you do go out, take advantage of any student discounts at businesses or venues you frequent. 5. Pay less for textbooks. The average student can pay $1,000 a year for books, an often unexpected high cost for college freshmen, says Michael Geller, vice president of marketing for BookRenter.com. Don't buy new books at the campus bookstore. Campus prices are almost always higher than at online retailers like Amazon.com or eBay.com, says certified financial planner Derrick Kinney. Consider renting textbooks at your school's bookstore or from sites like Chegg.com. Renting books or buying them used can save you 50%. If you're using an online site, sign up for a rebate program, such as Ebates. com, which gives money back on each purchase. And remember to sell used books back at the end of the semester. 6. Borrow as little as possible. The average college student leaves school with about $23,000 in debt. "Borrow just enough to pay for your legitimate college costs,” Hira says. "Explore all options. A student loan should be your last resort.” If you do borrow money, make sure you fully understand the cost and other terms of the loan before signing on the dotted line. The cheapest loans come from the federal government, says Ruth Vedvik, principal at Hardwick-Day, an enrollment consulting firm. And because federal interest rates are set, you know how much debt you're taking on, she says. Remember to start looking into funding early and to submit applications before the deadlines. Search online for scholarships, grants and other financial aid based on gender, religion, race, ethnicity, the type of degree you want or other relevant criteria, suggests Ornella Grosz, author of Moneylicious: A Financial Clue for Generation Y. Also consider working part time, which can decrease the amount you have to borrow. 7. Get organized Little things can chip away at your budget. Avoid parking fines or late fees for library books or videos and CDs rentals, for example, says Cheryl Smith,
finance
financial adviser with JHS Capital Advisors.Also, nail down your schedule early. "Many students wander into each semester and don't meet with their adviser and figure out which classes to take,” says Rachel Cruze, host of the Graduate Survival Guide. "This can be costly when it comes time to register. If a class fills up before you can get in, you may have to take it during summer school or even stay an extra semester.” 8. Avoid unnecessary fees Avoid paying extra ATM fees by researching your bank's ATM availability on campus. These small fees can add up. After all, if both your bank and the bank hosting the ATM charges a $1 fee for each $10 withdrawal, that amounts to a cost of 20%, says Kathryn Mullaney, vice president for finance at St. Lawrence University. If your bank doesn't have a branch in your college town, it might be smart to open an account at a different bank so you can get cash without paying those fees. Overdraft fees range from $35 to $50, so consider getting overdraft protection to avoid those charges, even if it means asking a parent to sign up for the account with you, Mullaney says. 9. Use technology wisely Set up text and email alerts for your bank accounts and credit cards to help you keep tabs on your spending and avoid missing payment dates. "It's an easy way to stay in-the-know about your own finances," says Justine Rivero, credit adviser at CreditKarma.com. "Plus you can make sure you don't ruin your credit by missing a payment or maxing out your credit card." 10. Protect yourself from fraud Research conducted by Javelin Strategy & Research found that it takes 18- to 24-year-olds nearly twice as long to detect fraud compared to other age groups, making them fraud victims for longer periods of time. Young adults are also more likely to fall victim to fraud and identity theft by people they know. Living in a dorm, where other students or strangers might easily access a student's room, also ups the need for vigilance. Take advantage of services that allow you to monitor your accounts regularly, such as by reviewing statements online or using mobile banking to see a snapshot of your account information, suggests Secil Watson, senior vice president at Wells Fargo Internet Services Group. Students can also forward sensitive mail, like financial information, to their parents' homes. 11. "Insure" success. Parents can help you save money through insurance. June Walbert, a certified financial planner with USAA, advises parents to re-evaluate their insurance when a child heads to college. "The increased liability of a child away at school potentially opens the door to a number of financially catastrophic events,” she says. "Re-examining your family's insurance needs in the wake of a collegebound child can not only safeguard your finances, but even lead you to insurance savings.” Homeowner's policies provide limited coverage of children's personal property, and usually come with a large deductible. Opting for a renter's insurance policy provides better coverage with lower deductibles, Walbert
says. If your child is taking a car with them, update the usage. If school is 100 miles away or further, some insurers will offer a discount. Insurers also usually provide discounts for students with B averages or better. 12. Capitalize on coupons It's no longer geeky to clip coupons. "Don't think your friends will mock you and call you a coupon-clipping grandma if you use coupons or deals,” Warrick says. "They'll probably be jealous of the additional money you'll have to spend for next week's party.” Daily deal sites like Groupon offer deals on dining out and other services that can help you maintain your budget. And if you have unused gift cards you don't want, you can trade them for cash on sites like CardCash.com and CouponTrade.com. 13. Master relationships Personal relationships that you make now can turn into business relationships in the future, says Dan Greenshields, president of ING Direct Investing. Make friends and also find a mentor in your desired field to get career advice. Being social now could boost your prospects in the future. 14. Invest in your future self Seek out internships and volunteer. Learn skills that will help you land a job later. Employers are increasingly expecting more from candidates. Investing in yourself as a freshman will pay you back for years to come, Greenshields says. 15. Set limits If you're going to spend more than $50 on something, figure out if you really need it. The $50 dollar limit, Cruze says, is a good point to stop and ask yourself if you can do without it. "Is the restaurant too expensive?" she says. "Do you really need that video game now, or will it drop down 30% in three months? Ask yourself what you can do without." by Sheryl Nance-Nash www.dailyfinance.com
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word of encouragement But you are a chosen race, a royal priesthood, a dedicated nation, [God’s] own purchased, special people, that you may set forth the wonderful deeds and display the virtues and perfections of Him Who called you out of darkness into His marvelous light. Once you were not a people [at all], but now you are God’s people; once you were unpitied, but now you are pitied and have received mercy. [1 Peter 2:9-10 – Amplified Bible] But you are the ones chosen by God, chosen for the high calling of priestly work, chosen to be a holy people, God’s instruments to do His work and speak out for Him, to tell others of the night-and-day difference He made for you—from nothing to something, from rejected to accepted. [1 Peter 2:9-10 – Message Bible] The Apostle Peter lets us know in 1Peter 2:9-10 that the Body of Christ was chosen by God for a high call or as a royal priesthood, God’s own purchased people - purchased by the Blood of His dear Son Jesus to do His work and proclaim Him to a lost and dying world. My question is do we really believe that we are a “royal priesthood”, “a holy nation” or are we just speaking or reading the Bible and not truly having a revelation of who we are in and through Jesus the Christ. Or better yet, is there a few who really know that they are a “royal priesthood”, “a holy nation” in and through Jesus the Christ and the rest of us just continue to quote scriptures without seeing the manifestation of where we have been placed in God’s great and mighty army. First, we are chosen of God. Man did not choose us, but God Himself chose us. What a privilege and an honor to have a Great God, looking out through the vast crowd of people and decided that in spite of what you did, He was going to choose you to speak and do great exploits on behalf of Him. Here I am going to use myself as an example. To think that God, the Sovereign God would look through the entire universe of people and choose a wretch like me to impart His word into my heart and have me to speak and do great exploits on His behalf. I still sometimes struggle with the fact that the King of Kings and the Lord of Lords would see it fit to save me and have me to speak into the lives of others. I truly was sinking deep in sin – not even desirous of finding out of the intense love in which God loves me, yet God did not allow me to die in my sins and has given me the privilege of being alive today. Yes, I am now very thankful for the intense passionate love of God who has yet kept me alive. Hallelujah!! You, yes YOU, have been chosen of God to let others know of the goodness and mercy that God has shown you throughout your lifetime. You have been chosen to sound the alarm that Jesus will be returning soon. You have been chosen to show loving-kindness and tender mercies to others. You have been chosen to stand in the gap for others as someone stood in the gap for you when you were a wretch like me. We were all wretches because the Bible declares in Romans 3:23(AMP), “Since all have sinned and are falling short of the honor and glory which God bestows and receives.” Therefore, because we are chosen of God, let us all stand up and show the unbelievers how chosen people operate. Second, we are a royal priesthood. In other words, we hold “the office, dignity, or character of a priest”. Together we make up the royal priesthood of God. Definition words describing royal: (1) of or relating to a monarch; (2) of the rank of a monarch; (3) of, relating to, or in the service of a kingdom; (4) issued or performed by a monarch: a royal warrant; a royal visit and (5)
Donna Williams-Ross In Trust Ministries dwilliamsross@aol.com
Befitting royalty; stately: royal treatment. Here are words that mean the same or almost the same as priesthood: A-list, aristocracy, best, choice, corps d'elite, crème de la crème, elect, elite, prime, royalty and upper crust. Wow!! What a way to be described? God has called the Body of Christ to a being called the “rank of a monarch, crème de la crème and elect”. Why then are so many of us living like paupers, walking around with sickness in our bodies, children out of order, etc.? Could it be that we still yet have not recognized who we are? We are indeed a royal priesthood, a holy nation. Third, we are a holy nation. Holy meaning: (1) belonging to, derived from, or associated with a divine power; sacred; (2) regarded with or worthy of worship or veneration; revered: a holy book; (3) living according to a strict or highly moral religious or spiritual system; saintly: a holy person and (4) specified or set apart for a religious purpose: a holy place. The Holy Nation the Apostle Peter is referring to is the Body of Christ which belongs to God, with Christ as the Head and Believers as the Body. We are to always remember that we are associated with God’s divine power and we are sacred and set apart for the express purpose of speaking life into those waiting to hear God’s word and come into His sheepfold. In other words as a Holy Nation, we are citizens of heaven – in this world and not of this world. We are to put God on display in the way we re-present Him to the universe at large and to let them know that God has brought us out of darkness into His marvelous light. According to the Message Translation, “We are to tell others of the night-and-day difference He made for you—from nothing to something, from rejected to accepted.” Are you willing as a member of the Body of Christ to tell others of the night-and-day difference God has made in your life? We who were nothing are now made something through Christ. We came from being rejected to being accepted. Yes, I am transparent enough to let others know what a wretch I was before I allowed God to change my life from being a nothing to being adopted into the Kingdom of God’s dear Son. From being labeled “REJECTED” and now being called “ACCEPTED.” I encourage you this day to let others know of the wonderful plan of salvation God has in store for everyone who would believe in His Son, Jesus Christ. I encourage you to go forth and tell it on the mountains, over the hills and everywhere – that Jesus Christ is Lord. I encourage you to be reminded always that you are chosen of God, a royal priesthood, and a holy nation set apart onto God. Prayer: Father, in the Name of Your Precious Son Jesus, thank You for reminding me of who I am in and through the Blood of Your Son Jesus. Help me to always walk circumspect in what you have called and ordained for me to be, amen. www.gracenglorymagazine.org 45
topic of interest
Each month we will have a different ‘topic of interest’ to explore and/or define. This month’s first topic of interest is the controversial topic “Question 6”. We asked Bishop Gregory Dennis of the Kingdom Worship Center to talk to Mr. Derek McCoy, the chairman of the Maryland Marriage Alliance, to give us insight on the organization One Gregory A. Dennis Man-One Woman and to help explain Question 6 which will be on the Auxiliary Bishop November Election voting ballot. Here is that interview. of Youth and Young Adults Derek McCoy, Chairman Kingdom Fellowship Covenant Ministries The Maryland Marriage Alliance Dennis: Mr. McCoy, currently the elected officials of Maryland have decided to make same-sex marriage legal in Maryland. What efforts have the Maryland Marriage Alliance made to overturn the decision by the politicians? McCoy: During the 2011 Maryland General Legislative session, we (MMA) aggressively worked to defeat any legislation to pass same sex marriage. We were able to garner one of the largest coalition efforts ever seen in the state of Maryland. This effort was led by an alliance of African American churches, Catholic churches, Aguadah Israel, Statewide family organizations, and a host of concerned citizens across Democratic, Republican, and Independent party lines. The legislation was very narrowly defeated in the legislation session. Dennis: How many petition signatures were required to place a question on November’s ballot? McCoy: 55, 736 Dennis: How many signatures did Maryland Marriage Alliance obtain? McCoy: MMA turned in over 162,000 signatures. However, we eventually captured over 200,000. Dennis: What does that number of signatures say to you about how Marylanders feel about marriage? McCoy:: It says that multiple thousands of people across the state understand that marriage is more than what adults want for 46 October October 2012 2012 || Grace&Glory Grace&Glory 46
themselves; it is also about next generations. It also says that people believe that it is possible to be tolerant about the rights of others without changing the definition of marriage. People understand and deeply know that marriage between one man and one woman is the best way to connect children between a mother and a father. Dennis: Is this the conclusion of the battle, what in your estimation needs to be done now for same-sex marriage to be overturned? McCoy: No, it is not the conclusion of the battle. We are now at a precipice to uphold marriage in Maryland. The issue is now on the ballot as Question 6, which redefines marriage in Maryland. It is our (MMA) duty to ensure that people vote NO on question 6 by registering to vote, being educated on the issue, and getting out to vote. Dennis: Is the Black church the primary group that believes that marriage should be a heterosexual relationship? Are other faith traditions weighing in with their opinions and theology? McCoy: No, the Black church is not the only group, but a critical group. Church attendance clearly makes a difference in this issue. The entire Catholic Church has partnered and joined in on this issue. As well as, the Evangelical Church and many other faiths are joining in to voice their opinion. Dennis: Why is it important to you that marriage retain its traditional definition? McCoy: Well first, I have fundamental beliefs about marriage, as do many others.
I believe marriage is the union of a man and a woman, and is the foundation of a stable society. It predates government, and has served the common good for thousands of years. Marriage is more than what adults want for themselves. It is also about the next generation. Dennis: In your estimation should clergy stay in the church and not get involved in the government? And what do you think is the best way to communicate your message on how to vote in November? McCoy: Absolutely not. I believe the role of the church is to equip people to be in society and in the public square. It is critical that clergy and membership speak out on critical issues in our society. It will be imperative that pastors and churches preach on marriage throughout the month of October and host events acknowledging the issue at hand- Don’t redefine marriage, Vote NO on question 6! Dennis: Thank you Mr. Chairman!
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48 October 2012 | Grace&Glory