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I n time of hardship only the people who think ahead and anticipate the dangers ever survive. If the wild pigs fail to smell the dogs he is dead meat.

In plain word, to survive in hard time, you have to see the hard time coming from things were good and take up decisive actions to prevent a disaster for you and your family. If your family and friends are in denial, you have to see the problem coming even sooner, because you have to make preparation for your economically blind family and friends who just refuse to see the dangers. When the dangers come upon them they will be coming knocking at your door for help and looking for hand outs which will deplete your chance of surviving. We find it hard to survive because of the weight of debts, and these debts came on because we do not understand the monetary system, nor the tricks of contract, the number one legal scams.

Hosea 4:6 (KJV) My people are destroyed for lack of knowledge: because thou hast rejected knowledge, I will also reject thee, that thou shalt be no priest to me: seeing thou hast forgotten the law of thy God, I will also forget thy children.

Isaiah 5:13 (KJV) Therefore my people are gone into captivity, because they have no knowledge: and their honourable men are famished, and their multitude dried up with thirst.

WHERE IS MY INCOME GOING?

The first questions you will need to ask yourself is, where is my income going? People money go into rent, mortgage, food, clothing, doctors bills, insurance, automobiles maintenance, gas, and electricity.

TO SURVIVE IN HARD TIMES MEAN GETTING OUT OF DEBTS.

One of the things that put people in debts is they are living above their means. You have to cut back on your expenditures, or raise your income level. Then, you must take care of your most and foremost needs. You cannot live above your means and think you can survive, living above your means are only minimize your future.

RAISING YOUR INCOME LEVEL.

Raising your income level is easier said than done. It will take any where from three are more years to raise ones income level. Because raising your income level mean you have to go back to school and update your education. You might have to go into a different line of work, or even starting your own business. If starting ones own business was easy every body would have their own business.

ELIMINATE UNNECESSARILY FOR BILLS.

You must first go to the bills of habits, and start to eliminate the ones that you defiantly can live without. The smoking is only going to give you lungs cancer any way. The alcohol bills is only going to mess you every way it can also. Then go to the bill of hates and find away to start forgiving your neighbour.

YOUR FIRST LINE OF DEFENSE.

Our biggest problem is that we cannot choose our parents, brothers, sisters, niece and nephews. But we can choose our wives and husbands. We have to weed out egoistic and materialistic family members, and drop them from our list, if you refuses to leave them behind they will drag you down along with them.

THE DANGER WITH THE SINK HOLE FAMILY.

As things get harder the sink hole family begin to turn on those they think have and are refusing to hand stuff over to them. That is why a lot of returning residents from England to the island are getting kill by family who now vew those returning residents as foreigners.

You must drop sink hole family and friends. Sink hole family are people who always getting themselves in trouble and calling to you get them out. You have let them drown. Such was the case with my overseas family. Because I am living in America they drag me into the mud financially. Money I am saving to buy land I have to use that money to pay the bank for load they took out and did not pay a dime in interest nor the loan for two years. Just to prevent them from living in the street. Jamaicans who living over seas better be careful of family member living on th island, these can make you walk and pick up trash, going out of your mind. You have to find away to drop sink hole family and friends.

BILLS OF HABITS.

Then there are bills of habits, such as gambling, smoking, drinking and unnecessarily shopping.

BILLS OF ANIMOSITY.

Such as going to the court house, always suing people and getting ourselves sued. Bills of witchcraft, working witchcraft on other people, and removing witchcraft from yourself. To kill somebody by voo-doo sometime cause up to $20000 US. Witchcraft is not cheep. One of my friend from Africa blame one of his country man who he took in, for sleeping with one of his wife. He obtain clothing that belonging to the man and is about to sent it of to Africa with $100 US. I was scared that if his wife really was with this man, they became one body, and whatsoever take down one is going to take them all down. I had to teach the wife how to prevent the disaster if it came. I know this thing work, that is where the lord took me from. This thing is not cheap, especially if the wizard is a fake, or just starting out learning and think he know something. For people in the island putting a curse upon one person can cause up to a year salary.

BUYING THINGS IN BULKS.

Find food buying partners. If you buy 100 pound of rice it work out about half price, than if you were to buy it ten, ten pounds. If you pol your money together and buy it from the wholesalers, in bulk, if work out far much cheaper than buy it is small portion.

THINGS YOU NEED TO BE AWARE OF.

You need to be aware of credit cards. If you have to use a credit car it is best get a prepaid credit card. I am using my pre-pay credit card, the people keep telling me that the card decline. Finally I ask how much money are you putting in for? The people are trying to take two time the amounts we talk about and that is why the card keep declining because I only have certain amount of money on the card because it is pre payed. If it was regular credit card they would have take every thing. Be careful how you let institutions debit your account. One company even sell my bank information to three other company and have them taking money from my account, I take me three months to find out where the leak was and force them to give it back. Beware of borrowing money from banks, think about the interest rate, if you do not have a back up plan do not barrow.

KEEPING YOURSELF HEALTHY.

For you and I to survive in hard times, we have to have some resources in reserve, one hospitalization can deplete that reserve resources for ages. During sweet sex you get a tear on your penis the hospital is going to run you through every test there is to find out how deep you were when you get that cut. By then you owe $10000 US. And you still have the cut.

One of the things that make people sick is working around stressed out and burnt out people. I was into Nursing and have to quit, working around those menopausal female is a death trap to people health. Got sick of hearing them shouts out their gospel of “All men are dogs”

You have a dog at home, put him in a cage, but coming to the job and vomit out all that gripes upon the other male employees is just not right. You and I have to keep ourselves away from stressful people, because that thing is catching. To survive in hard time including keeping yourself out of troubles, lawyers fees does not come cheap, and if you do not have a lawyer in your corner you can consider yourself dead.

THE USED CARS SCAM.

When a person are poor they fall prey to many scams which might not befall the wealthy. An old woman with no teeth is better than most use cars. If you cannot fix it nor have good friend or family that can work on it do not buy it. Buy it only if the dealer is giving you a one year warrantee on parts on labour. You are only responsible for brake job, oil change, and body damage during that one year period. 50,000 miles or five years, almost all the parts on that car is just about done. It is like bringing home a prostitute that has been worn out. Nothing left for you but trouble. I gave an old car to a junk cars dealer, the car drop of his tow truck and tear up every car on the block. Then he drop it and run leave it, I have to run to the car and took of my plate. Then pretend as if I do not know who’s car it was.

THE FREE CREDIT CARD SCAM.

People fail to know that they cannot come out of credit card debts, the interest rate is set to keep you in debated forever. Also you and I cannot understand the contract, the clauses that are put in that contract you suppose to pay for the lawyers fees for suing you. You and I have to be able to know all these legal scams and disciplines ourselves to avoid them.

THE CELL PHONE SCAM

I bought three cell phones from three different company over a period of five years. So I think that they are different company, because sometime all these company are own by the same people. Any time you made an call to Jamaica on that cell phone, for the next three months you keep paying for the same call, it keep coming back. They kill you with duplicated call, and call that you do never made. Finally, you have to cancel the phone where they hit you with early cancellation fees. Then when you have one payment leave to get rid of them they sent it off to their collection agency, and get the money up again because now the collection agency fees are added to that money.

THE WATER PURIFICATION SYSTEM SCAM.

This is another growing scam in Florida. As soon as you buy a house people begin to call to sell you water purification system. The salesmen are trained to lied to the customers straight out. You sign a contract that told you nothing about a financial charges. They give me seventeen days grace period, to see if I like the system. The eighteen days they call me to ask if I like the financial charges. I say “ Well! There was no in the contract the sale man told me just to divide up that $2000 and make a certain amount of payment and over with it. “In the contract that you sign there is a clause in it that make the financial charges possible” Also make it fluctuate, they can move it up or down if they so please. Later on I found out that I could get the same system from a hardware store for less and installed it myself. This is not the biggest problem, if they got to take you to court, for none payment that $2000 suddenly jump up to $10000.

THE CARPET CLEANING SCAM.

They guy told you that it is $7 per room to clean your carpet, the laugh is on you. If you believed junk then I cannot help but sorry for you.

NEVER PLAN THE FAMILY BUDGET AROUND YOUR WIFE INCOME.

If you the husband income cannot swing the deal leave it alone. Wives always have their own projects working with, which husbands are quite unaware of, are pretend to be unaware of. If you do not know the game there is no way how you are going to win, and even if you win by chance you will not get the trophy since you cannot prove that you win. Never plan the family budget with wife income as a back up. Never take out a credit card with woman’s name on it nor let a woman put your name on her credit card.

YOU CANNOT DO IT WITHOUT GOD.

Even if you are making $20 US per hour to date, by the time the federal tax, city tax, social security, medical, dental, vision, medicare, and union dues came out what you have left is a laugh, you will be going no where fast. It is my (opinion) that the USA economy is the best right now. People are not making it, some work three jobs and still reaching no where.

I am driving down the road and my car transmission refuse to shift. I start praying and say please lord. I cannot buy lunch, even though I will be able to put a used transmission in this car by myself. To take the one day off from my job will put me far behind. The Holy Spirit speak to me and say your car is over heating. The problem is in the cooling system. I opened the windows and turn the heat on in the car to suck away the heat from the engin and the car begin to shift. I change the thermostat and the car been shifting since. The cooling system also cool the automatic transmission. A faulty cooling system will first affect the shifting of your transmission before it begin to affect the engine.

On one of my job that I held down for seven years, the people planned to fire me and I know eight months in advance. I went and get job training. I get a job 11 o clock, and twelve o clock the company call me and told me that I was fired from the seven year job. I beat them by eight months, one day and one hour. You cannot survive without God, do not let any demons fool you, you cannot do it.

Jeremiah 17:5 (KJV) Thus saith the Lord; Cursed be the man that trusteth in man, and maketh flesh his arm, and whose heart departeth from the Lord.

Psalm 60:11 (KJV) Give us help from trouble: for vain is the help of man.

Psalm 108:12 (KJV) Give us help from trouble: for vain is the help of man.

Micah 7:5-6 (NASB-U) Do not trust in a neighbor; Do not have confidence in a friend. From her who lies in your bosom Guard your lips. [6] For son treats father contemptuously, Daughter rises up against her mother, Daughter-in-law against her mother-in-law; A man's enemies are the men of his own household.

THE END

Come back for update soon.

Bearer Of The Mind Sword.

The author of this article.

Rev. James McBean. Sr

Was born in Jamaica west Indies.

Bachelor In Theology.

Masters in Christians counseling.

It is important to know that your financial blessings are base upon the proportions of your giving to the ministry.

THE LAW OF SOWING AND REAPING.

Galatians 6:7 (KJV) Be not deceived; God is not mocked: for whatsoever a man soweth, that shall he also reap.

Job 42:10 And the LORD turned the captivity of Job, when he prayed for his friends: also the LORD gave Job twice as much as he had before.

TO RECEIVE FORGIVNESS YOU MUST BE WILLING TO GIVE IT.

Mark 11:26 (KJV) But if ye do not forgive, neither will your Father which is in heaven forgive your trespasses.

TO RECEIVE FINANCIAL PROSPERITY YOU MUST BE WILLING TO PLANT SEED OF FINANCE INTO OTHER PEOPLE MINISTRY.

2Co 9:7 Every man according as he purposeth in his heart, so let him give; not grudgingly, or of necessity: for God loveth a cheerful giver.

JOB WAS DELIVERED AFTER HE PRAYED FOR HIS FRIENDS.

Job 42:10 After Job had interceded for his friends, GOD restored his fortune--and then doubled it! Job 42:11 All his brothers and sisters and friends came to his house and celebrated. They told him how sorry they were, and consoled him for all the trouble GOD had brought him. Each of them brought generous housewarming gifts.

Let us face the fact, no matter how much education we had on a subject we can go out there and made the worst mistakes of our life, that cause us dearly. Only Jesus Christ can help us with our decision-making.

Proverbs 3:6 in all thy ways acknowledge him, and he shall direct thy paths.

Psalm 34:8 (NASB-U) O taste and see that the Lord is good; How blessed is the man who takes refuge in Him!

HOW TO BECOME A CHRISTIAN.

Many people went to court each year and received a terrible sentences from the judge, and because they have no knowledge, they did not know that they could have ask the court for mercy or leniency, and end up knocking off a few years just by asking, it is the privilege of every citizen. Many people died and went to hell and never have the nerve to even ask God for mercy. Is there mercy for a hopeless sinner who has hurt all mankind? Yes!

Isaiah 7:11 (ASV) Ask thee a sign of Jehovah thy God; ask it either in the depth, or in the height above. Isaiah 7:12 (ASV) But Ahaz said, I will not ask, neither will I tempt Jehovah.

Ezekiel 18:32 (ASV) For I have no pleasure in the death of him that dieth, saith the Lord Jehovah: wherefore turn yourselves, and live.

First you must recognize that you are a sinner and need God mercy.

Romans 3:23 (KJV) For all have sinned, and come short of the glory of God; Then you must know that God sent his son Jesus to die for your sins.

1 Peter 2:24 (Living) He personally carried the load of our sins in his own body when he died on the cross so that we can be finished with sin and live a good life from now on. For his wounds have healed ours!

YOU MUST KNOW THAT YOU CANNOT SAVE YOURSELF.

Ephes. 2:8 (ASV) for by grace have ye been saved through faith; and that not of yourselves, it is the gift of God; Ephes. 2:9 (ASV) not of works, that no man should glory.

2 Peter 3:18 (ASV) But grow in the grace and knowledge of our Lord and Saviour Jesus Christ. To him be the glory both now and for ever. Amen.

Zech. 4:7 (KJV) Who art thou, O great mountain? before Zerubbabel thou shalt become a plain: and he shall bring forth the headstone thereof with shoutings, crying, Grace, grace unto it.

Eph 2:8 The Message Bible” “Saving is all his idea, and all his work. All we do is trust him enough to let him do it. It's God's gift from start to finish! Eph 2:9 We don't play the major role. If we did, we'd probably go around bragging that we'd done the whole thing!” There nothing you could do to save yourself , the only thing you could do is bowed your head and ask God to save you.

You must believe that there is a God.

Hebrews 11:6 (Living) You can never please God without faith, without depending on him. Anyone who wants to come to God must believe that there is a God and that he rewards those who sincerely look for him.

No other person can save you except Jesus.

Acts 4:12 (KJV) Neither is there salvation in any other: for there is none other name under heaven given among men, whereby we must be saved.

Acts 4:12 (Living) There is salvation in no one else! Under all heaven there is no other name for men to call upon to save them."

Then you must know that God invites you to come to him.

Isaiah 1:18 (Living) "Come, let's talk this over!" says the Lord; "no matter how deep the stain of your sins, I can take it out and make you as clean as freshly fallen snow. Even if you are stained as red as crimson, I can make you white as wool!

Do not wait until tomorrow to get save.

2Co 6:2 (For he saith, I have heard thee in a time accepted, and in the day of salvation have I succoured thee: behold, now is] the accepted time; behold, now {is] the day of salvation.)

2Co 6:2 The Message Bible. “God reminds us, I heard your call in the nick of time; The day you needed me, I was there to help. Well, now is the right time to listen, the day to be helped.”

Delay not your conversion to the lord, put it not off from day to day. Remember that tomorrow is promise to no man. Accept the lord, go home and continue with your life, if the lord.. If the lord saves you in bad life style, he has some plan up his sleeve how to get you out of it, give him time to work out his salvation in your life.

WHOSEOEVER SHALL CALL.

Acts 2:21 (KJV) And it shall come to pass, that whosoever shall call on the name of the Lord shall be saved.

Romans 10:13 (KJV) For whosoever shall call upon the name of the Lord shall be saved.

Ezekiel 33:11 (KJV) Say unto them, As I live, saith the Lord God, I have no pleasure in the death of the wicked; but that the wicked turn from his way and live: turn ye, turn ye from your evil ways; for why will ye die, O house of Israel?

Now bow your head and pray this prayer.

Dear God, our heavenly father, I am a sinner and need to be save, would you save me this moment from all my sin? Save me now, because your son Jesus had died for my sin. Thank you for saving me and give me peace, in Jesus name.

From this day onward you will begin to feel a flood of joy and peace full your heart and mind. You must confess Jesus to others with your mouth. Tell what great thing the lord had done for you. Romans 10:9 (Living) For if you tell others with your own mouth that Jesus Christ is your Lord and believe in your own heart that God has raised him from the dead, you will be saved.

Then you need to start reading the bible, start reading from St Mathew.

1 Peter 2:2 (Living) Now that you realize how kind the Lord has been to you, put away all evil, deception, envy, and fraud. Long to grow up into the fullness of your salvation; cry for this as a baby cries for his milk. 1 Tim. 4:13 (KJV) Till I come, give attendance to reading, to exhortation, to doctrine.

THE LORD WILL MAKE YOU HOLY IN HIS OWN TIME.

1 Peter 5:10 (KJV) But the God of all grace, who hath called us unto his eternal glory by Christ Jesus, after that ye have suffered a while, make you perfect, stablish, strengthen, settle you.

OUR BODY WAS NOT REEDEM AT CONVERSION.

Romans 8:23 (GW) However, not only creation groans. We, who have the Spirit as the first of God's gifts, also groan inwardly. We groan as we eagerly wait for our adoption, the freeing of our bodies {from sin}.

Rom 8:21 that the creation itself also shall be delivered from the bondage of corruption into the liberty of the glory of the children of God. Rom 8:22 For we know that the whole creation groaneth and travaileth in pain together until now. Rom 8:23 And not only so, but ourselves also, who have the first-fruits of the Spirit, even we ourselves groan within ourselves, waiting for our adoption, to wit, the redemption of our body.

OUR VILE BODY WILL BE CHANGE AT THE RETURN OF JESUS.

Philip. 3:20 (KJV) For our conversation is in heaven; from whence also we look for the Saviour, the Lord Jesus Christ: Philip. 3:21 (KJV) Who shall change our vile body, that it may be fashioned like unto his glorious body, according to the working whereby he is able even to subdue all things unto himself.

THE SINS OF THE BODY WILL NOT BE CONQUERED LITERALY BY ALL SAINTS WHILE LIVING ON EARTH.

2 Cor. 5:10 (NASB-U) For we must all appear before the judgment seat of Christ, so that each one may be recompensed for his deeds in the body, according to what he has done, whether good or bad.

When the Lord redeemed us our body was not redeem, it was our spirit and soul. The changes took place in our spirit man. Not the body. The body will still continue to sin. If the believer do not know this they will become worried as to why am I still lusting? And became eaten up with guilt to the point where they experience no peace and joy.

Even though our body were not redeem, we who wanting to live up to certain standard, to please society, must bring our body into subjection, even thou we do not do that to buy salvation. But to prevent Satan from capitalized on it. But to bring this body into subjection take time. We saw belivers at the judgment seat of Christ in heaven being judge for the deeds of the body.

1 Cor. 9:27 (NASB-U)but I discipline my body and make it my slave, so that, after I have preached to others, I myself will not be disqualified.

2 Cor. 2:11 (NASB-U) so that no advantage would be taken of us by Satan, for we are not ignorant of his schemes.

Romans 12:1 (GW)Brothers and sisters, in view of all we have just shared about God's compassion, I encourage you to offer your bodies as living sacrifices, dedicated to God and pleasing to him. This kind of worship is appropriate for you.

2 Cor. 12:7 (NASB-U)Because of the surpassing greatness of the revelations, for this reason, to keep me from exalting myself, there was given me a thorn in the flesh, a messenger of Satan to torment me—to keep me from exalting myself!

SOME THING YOU OVERCAME BY GRACE.

2 Cor. 12:8 (NASB-U)Concerning this I implored the Lord three times that it might leave me. 2 Cor. 12:9 (NASB-U) And He has said to me, "My grace is sufficient for you, for power is perfected in weakness." Most gladly, therefore, I will rather boast about my weaknesses, so that the power of Christ may dwell in me.

“I saw a river of blood, flows from Calvary Mountain, I am in it and your are in it, and I am clean, clean” By Smith Wiggle worth.

We can sing with the song writer" I rise walk in heaven’s own light above the world and sin with heart made pure and garments white, and Christ en-throned with in. The cleansing stream I see I see I plunge, and O It cleans-eth me. O praise the Lord, it cleans-eth me, it cleans-eth me yes, cleans-eth me."

HOW TO CONTINUE IN THE FAITH.

Hosea 6:3 Then shall we know, if we follow on to know the Lord: his going forth is prepared as the morning; and he shall come unto us as the rain, as the latter and former rain unto the earth.

The first thing you will need to know is this. Beware of people who come laying hands on you say they are filling you with the Holy Ghost. That is how people get possess with demonic spirits. God will give you every thing you need to fit you out for his service in his own times. You do not need to push any thing nor to make any thing happen. Wait until God make it happen.

A NEW MIND-SET.

After the lord save a person there are some things that the person must do on their own. All the work is not just up to Jesus. You must developed a different mind set, from the one you have before you were converted. Not a holier that thou mind set but a new mind.

Eph 4:22 That ye put off concerning the former conversation the old man, which is corrupt according to the deceitful lusts; Eph 4:23 And be renewed in the spirit of your mind; Eph 4:24 And that ye put on the new man, which after God is created in righteousness and true holiness. Eph 4:25 Wherefore putting away lying, speak every man truth with his neighbour: for we are members one of another.

GIVE YOURSELF AWAY TO THE THINGS OF GOD.

1Ti 4:13 Till I come, give attendance to reading, to exhortation, to doctrine. 1Ti 4:14 Neglect not the gift that is in thee, which was given thee by prophecy, with the laying on of the hands of the presbytery. 1Ti 4:15 Meditate upon these things; give thyself wholly to them; that thy profiting may appear to all. 1Ti 4:16 Take heed unto thyself, and unto the doctrine; continue in them: for in doing this thou shalt both save thyself, and them that hear thee.

Jer 29:13 The Message Bible. "When you come looking for me, you'll find me. "Yes, when you get serious about finding me and want it more than anything else,

A window is opened, a bird eye view is given, a voice is heard, a man is enlightened a soul is saved.

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