This is the outline I described on today's 13-minute conference call.  If you miss the call...you may listen to the playback by dialing 1-712-432-0990 Access Code: 832936#  Join us LIVE each morning at 7:30 AM (Central) through January 13th.

Answering these questions will increase your value as a problem solver.

Success is an attitude.  Success is a habit.  Success is a lifestyle.  Success is easily available to anyone who wants it...believes they can have it...works for it...never gives up and always...always trusts God...no matter what.

Success happens inside you before it ever happens around you.  There is a defining moment when you decide to take control of your own life and embrace the success that God wants you to achieve.

Age, education, money, background and childhood experiences do not matter in the face of these principles.

As I was reading Matthew 13:8,9 in the New Living Translation, something ignited in my spirit.

“Still other seeds fell on fertile soil, and they produced a crop that was thirty, sixty, and even a hundred times as much as had been planted!  Anyone with ears to hear should listen and understand.”

I’ve taught and/or quoted this passage of scripture dozens, oftimes but on this particular occasion verse nine just leaped out at me.

“Anyone with ears to hear should listen and understand.”

My first thought was that not everyone hearing about sowing and reaping a harvest of thirty, sixty and the hundredfold return will understand.

Some people simply are not in a position mentally, emotionally or spiritually to hear this scriptural truth about sowing and reaping.

If every believer were to accomplish everything they’ve told me they’re going to do. . .or what they say. . .God told them to do. . .we’d have a gazillion more billionaires.

No question. . .Jesus would have returned for His Bride. . .because the whole world. . .every language and ethnic group would have heard the gospel.

Why hasn’t the rapture taken place?  It’s because a large number of Christians are better at talking than planning and/or doing.

Unfortunately, sometimes we talk. . .but we don’t plan.

Vince Lombardi, the legendary coach of the Green Bay Packers of the National Football League once said:

As I listen to your phone messages, read your letters and emails, God allows me to feel your hurts and see your hopes for a better tomorrow.

Some of you have wondered either on paper or in your heart when the promises of God will be manifested in your life.

I know that delay tactics are a favorite deception of the enemy because he seeks to trip us up by filling us with doubt.

The enemy wants you to believe that salvation will never come to your family. . .but that’s not what the Word says.

Are you a thief?  Do you steal from people while eating at restaurants?

I’m not taking about silverware, napkins or anything that belongs to the restaurant. . .but whether or not you’re stealing from your server.

Malachi 3:5 in the Message Bible says:

“Yes, I’m on my way to visit you with Judgment. I’ll present compelling evidence against sorcerers, adulterers, liars, those who exploit workers, those who take advantage of widows and orphans, those who are inhospitable to the homeless—anyone and everyone who doesn’t honor me.”

If you do not tip the proper amount (18%) then you are exploiting the worker (server).

Every time I read Luke 1:46-48. . .I get fired up about the things of God.

“And Mary said: "My soul glorifies the Lord and my spirit rejoices in God my Savior, for the Mighty One has done great things for me— holy is his name.”

Mary is praising God. . .giving Him all glory and honor for the great things He has done for her.

Why did God do great things for Mary?

Because she was obedient. . . when it wasn’t convenient.

Have a glorious Christmas Day. . .as we encourage you to live a Christmas life.  Blessings from the Debt Free Army family.  Be blessed by this reading of "Jesus Is The Reason For The Season."

Santa lives at the North Pole……….JESUS is everywhere.

Santa rides in a sleigh…..JESUS rides on the wind and walks on the water.

Santa comes but once a year…..JESUS is an ever present help.

I ask the Lord if He had a word for His people for 2013 and His answer ignited in my spirit.

It was 5:39 in the morning when God dropped the number 13 in my spirit.

I don’t believe in luck. . .so I don’t believe 13 is an unlucky number.

I asked our Heavenly Father to reveal the reason He stirred the number 13 in my spirit.

I remember years ago, traveling to the mountains of North Carolina with my fine wife Bev and my parents for a long weekend get-away.

We started looking for a hotel room and were unable to fine one for over 60 miles along Interstate 40. 

The clerk at the first hotel we stopped at told us that we would have a problem finding accommodations.  He informed us that the annual Furniture Market was taking place in High Point, North Carolina and there wasn’t a sleeping room to be found within 60 miles in any direction of that huge event.  We found out he was right.

This particular journey was before the days of cell phones and computers.  If you wanted to call ahead you use a pay phone.  We stopped at exit after exit only to hear the same message. . .there was no room in the inn  . . . Holiday or otherwise.

We had the money but there was a room to be found.  At least, my fine wife Bev wasn’t about to give birth.