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11월 28일
If you are having trouble viewing this email, then click here to view it online. To ensure delivery of our emails to your inbox, please add info@joelosteen.com to your address book.
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| In this new series, Joel Osteen encourages you to discover a life worth living, a life filled with purpose, enthusiasm and direction.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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It's Time to Believe Again
Anytime God is about to take you to a new level you’re going to face opposition. There will be new battles to fight and new obstacles to overcome. It’s easy to get discouraged and think, “Why is this happening?” But we have to change our thinking and focus on the fact that on the other side of those challenges is a new level of victory—a new level of success. David would only be known as a shepherd boy if it weren’t for Goliath. David’s enemy became the tool that God used to promote him. And God will do the same in your life today. He’ll use those challenges and difficulties in your life to catapult you towards success! If you are going through a hard time today, if things look impossible, don’t give up now.
Change your perspective and believe that God is working behind the scenes. Put a smile on your face and stand in confidence knowing that you are a child of the Most High God. When all is said and done, you’re not just going to come out of that difficulty, but you’re coming out stronger, wiser, and better than you were before! That problem is going to be the catalyst for God to open supernatural doors of opportunity for you! Stand strong in the Lord today and trust that what the enemy meant for your harm, God will turn around and use to your advantage. He’ll take you places you never dreamed and cause you to rise higher and higher in every area of your life!

Watch another Live Like a Champion Devotional
You can watch Joel on a variety of cable networks in addition to your local broadcast station. View program times in your area »
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Questions or comments? Please contact us: Joel Osteen Ministries PO Box 4271, Houston, TX 77210 1 (800) 278-0520 | 
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| Our 2009 desk calendar is designed to help you in your daily journey. In addition, you will also receive the inspiring resource, Gratitude. You'll learn how thankfulness helps us enjoy life at a greater level.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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Today's Scripture
“For you have been born again, but not to a life that will quickly end. Your new life will last forever because it comes from the eternal, living word of God” (1 Peter 1:23, NLT).
Today's Word from Joel and Victoria
In Genesis we read that God spoke the world into existence. His words produced life and are continuing to produce life today. Aren’t you grateful for the power in God’s Word? Because of God’s Word, we can have life in eternity and live in strength and victory over every obstacle that comes against us here on earth!
Today, you have access to life, strength, and victory in the Word of God. The Bible says in Job 22 that what you declare shall be established. When you declare God’s Word, you establish it in your life. You activate its power. Make it a habit to declare God’s Word over your life daily. Declare that no weapon formed against you shall prosper. Declare that you are more than a conqueror through Christ Jesus. Declare that His favor and blessing are upon you because you follow His commands. As you declare His Word, you will see His hand moving on your behalf. You’ll experience His power to live in victory in every area of your life!
A Prayer for Today
Heavenly Father, thank You for Your Word which is a lamp to my feet and a light to my path. I commit to seek You first and invite You to establish Your Word in my heart. I bless You and magnify You today. In Jesus’ Name.
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Questions or comments? Please contact us: Joel Osteen Ministries PO Box 4271, Houston, TX 77210 1 (800) 278-0520 |

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FORBES.COM KEN FISHER NEWSLETTER NOVEMBER 10, 2008
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Pessimism and the Rebound 11.07.2008, 07:40:00 EST - Ken Fisher If you're preoccupied with the deplorable state of the world economy, you'll miss most of the recovery in the market.
Stocks to Survive On 10.10.2008, 16:20:00 EDT - Ken Fisher Stocks are probably cheaper, adjusted for tax rates and interest rates, than they've been in your adult life.
The Unbubble 09.12.2008, 00:20:00 EDT - Ken Fisher People see Fannie Mae's problems as huge, but in money terms the worst imaginable fix is smaller than the Anheuser-Busch takeover.
Five Blue Chips 08.22.2008, 19:30:00 EDT - Ken Fisher The U.S. bear market is nothing like 1973-74 or 2000-02, which were attached to recessions.
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Monday, November 10, 2008
SLIDE SHOW
Chic and stylish are all well and good. But what we really want in a hotel is that unique mix of warmth and personality. In other words, we want it to be totally charming. Here are our picks and a slide show of hotels from Argentina to Vietnam. read more
- What's your hotel find under $150 a night? Tell us why you loved your stay by posting a comment (you'll have to register once for the site, but it's easy). We'll be featuring your best hotel picks in an upcoming issue.
FROM OUR BLOG: THIS JUST IN
For single people, long airport waits can lead to romantic encounters. Certainly Chicago O'Hare offers plenty of opportunities for singles to bond over shared trouble; last winter, it led the nation's airports in flight delays. But you also need to judge an airport by its number of inviting venues. Which airport, here or abroad, has the most potential? post a comment
LAIDBACK AND OFFBEAT
Follow the surfboard-toting crowd, and wherever you land, you'll find a great vibe. Not to mention plenty of sun, sand, and good eats. Surfer Kimball Taylor takes you on a guided tour—with a slide show of these chill towns. read more
THE REAL DEALS
Seven nights in a furnished apartment in Quebec City's Lower Town—with narrow, winding streets and buildings dating back to the 17th century—plus an orientation and a three-day museum/two-day bus pass for $889. why it's a deal
Round-trip airfare, local flights and ground transportation, some meals, and six nights at a stylish hotel in Cape Town and at a safari lodge by Kruger National Park, plus game drives and wine tastings, from $1,999. why it's a deal
GIRLFRIEND GETAWAYS
Because no one knows a city like the people who call it home, we turned to three women with impeccable taste for advice on where they take friends who are visiting from out of town. read more
ONLINE TRIP COACH
Stephen Keeling, author of the first edition of Rough Guide to Puerto Rico, answers your questions about the island on Tuesday, November 11, at noon (ET). Submit a question now
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Budget Travel Magazine: Subscribe or Give a Gift Not a print subscriber? The world's most useful travel magazine costs just $12 for 10 issues—or $20 for 20 issues! Take a look inside.
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MOST POPULAR REAL DEALS
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STOCK OF THE WEEK – November 10 2008 Trico Marine Services, Inc. (nasdaq: TRMA)
The collapse in crude oil prices since July from $145 to near $60 has provided welcome relief at the pump, but if you're a driver who has invested in the broad swath of companies in the energy sector, the crash in stock prices has diminished the joy of cheaper gas.
Now that prices of many producers and services companies have plummeted, there is a good chance to make some money on the rebound, according to many savvy value investors. One of them is John Buckingham, editor of the Prudent Speculator newsletter and president of Al Frank Asset Management. In a Monday morning hotline, Buckingham offers Trico Marine Services as his "hotline special."
Given the credit crisis, just about any energy company with a levered up balance sheet has been hit particularly hard," says Greg Williams, an analyst at Al Frank. "Such is the case with Trico Marine Services, an integrated provider of subsea, trenching and marine support vessels and services to oil and gas producers."
The stock is down 80% since April and now has a market cap of less than $135 million. Just for comparison and as a gauge of cheapness, earnings before interest, taxes, depreciation and amortization (EBITDA) totaled $41 million in the most recent quarter.
SPECIAL OFFER
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"Trico's shares have been pressured on fear that producers may cut capital spending on new projects, ultimately reducing industry daily rate pricing and utilization rates on vessels and equipment, a notion that we won't refute," says Williams. "Debt ballooning from under $200 million in December 2007 to today's $858 million for a debt to capital ratio of 67% has also added concern. But this once commodity contract vessels supplier in the Gulf of Mexico has through acquisitions transformed itself into a broader provider of higher-level services and now does 95% of its business internationally."
Williams points out that about 70% of current revenue is under multi-year contract for Trico.
"The subsea services fleet, which now accounts for the bulk of Trico's revenue, is among the youngest in the industry at an average age of seven years," notes Williams. "Contract renewals, even in the current environment, are still occurring at materially higher average day rates given the age of the contracts rolling off. And relative to 3Q08 revenue of $215 million, total current backlog now stands at $1 billion, with roughly half scheduled in 2009 and the rest beyond. The bulk of Trico's business is also tied to large national oil companies or international majors operating large multi-year projects originally financed based on minimum oil prices likely in the $40's per barrel.
"With respect to the balance sheet and liquidity, Trico has capital spending (10 new build vessels under construction of which four are already under contract) and debt repayment commitments of roughly $390 million through the end of 2010. Compare this to current cash and credit capacity of $335 million plus our lowball plug of $100 million (roughly $6 per share) of annual operating cash flow generation and we see substantial room for deleveraging a balance sheet where 70% of the debt balance is not due for at least five years with much well beyond that. For additional comfort, we believe Trico has significant flexibility with sale/leaseback or similar financing options in the event of any doomsday credit crunch.
"Given our favorable stance on liquidity and cash generation, as well as current multiples on trailing-12-month and next-12-month earnings below 4, we are buyers of TRMA up to $12.50 as our liquidity goal/fundamental goal targets are $24/$25."
Click here for details on John Buckingham's value picks in the Prudent Speculator.
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For information about advertising in Stock of the Week, please email or call lbentley@forbes.com or 212-367-3381. |

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Find Out Which Stocks Are Set To Take Off
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President Obama has been elected, now what?
Here at TheStockAdvisors.com. we recently turned to the nation's leading newsletter advisors to ask what stocks, funds, ETF or sectors would most benefit from a new presidential administration.
With this historic election now behind us, we turn to those picks that the advisors consider best-positioned for future gains based on Barack Obama's victory.
In this 25 page report, investors will read about industries that have been widely discussed on the campaign trail such as the rebuilding of our nation's infrastructure and implementing changes in our approach to healthcare and medical research.
And, of course, numerous advisors cited stocks that are beneficiaries of a stated goal of reducing our dependence on foreign oil and a goal to invest in alternative energy sources.
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The advisors participating in this special report are making their selections based on their current assessment of a particular company within the current market environment. They are sharing their very best analysis and insights. However, fundamentals change, and a stock that is now a favorite buy can quickly become a strong sell, based on future events. As such, the stocks featured should never be blindly bought and ignored. Do your own research, use common sense, and only consider investments or speculations that meet your personal time horizon and risk parameters. Please read all disclaimer information at www.thestockadvisors.com. Good luck with your investing!
TheStockAdvisors.com 240 Madison Ave, 12th Floor NY, NY 10016 .
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Today's Scripture
“That is what the Scriptures mean when they say, ’No eye has seen, no ear has heard, and no mind has imagined what God has prepared for those who love him.’ But it was to us that God revealed these things by His Spirit. For His Spirit searches out everything and shows us God’s deep secrets” (1 Corinthians 2:9-10, NLT).
Today's Word from Joel and Victoria
Who do you share your deepest secrets with? Most people only share their inner thoughts with those who are closest to them. People they trust. People they’ve gone through experiences with. Do you know who God share’s His secrets with? This passage goes on to say, “Who can know a man’s thoughts except his own spirit?” As believers, God’s Spirit lives inside of us, revealing to us the heart and thoughts of God Himself. God wants you to know what He thinks about you. He wants you to know about the plans He has for you. He wants to show you things you’ve never seen, heard about, or even imagined. You are His child, but you are also His friend. You are His closest companion. He wants to walk with you, talk with you, and share with you. What a wonderful, amazing thought—we can know God’s thoughts because we are one with Him. Open your heart and allow Him to share His deep secrets with you today.
A Prayer for Today
Father in heaven, I am so humbled that You call me friend. I am honored to be connected with You and invite You to share Your heart with me. I surrender all that I am to You. In Jesus’ Name. Amen.
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FORBES.COM DAILY NEWSLETTER NOVEMBER 10, 2008
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AIG's New Deal Maurna Desmond Government borrowings swell to $150 billion, after the insurer loses $24.5 billion in its third quarter.
Circuit City Sends Out An S.O.S. Carl Gutierrez The troubled consumer electronics retailer filed for Chapter 11 bankruptcy protection on Monday. China Stimulus Is Not What It Seems Tina Wang The whopping half-trillion-dollar stimulus package Beijing unveiled over the weekend is not as big as it sounds.
How Michael Lipper Beats The Market Steve Forbes The inventor of the Lipper mutual fund averages talks with Steve about the fundamentals of investing and how to choose stocks in a downturn.
The Global Financial Crisis Forbes.com staff The latest analysis and commentary from across Forbes.com.
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If you decide to subscribe to Forbes, you can do so at special introductory savings, and get 25 more issues - 26 in all - for just $1.15 a copy. You save 77% off the $4.99 newsstand price. If you decide Forbes is not for you, simply write cancel on the invoice you receive and return it. The FREE issue is yours to keep with our compliments.
Sign up Today for your Free Trial Issue! 
© 2008 Forbes.com LLC.™ |
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| Our 2009 desk calendar is designed to help you in your daily journey. In addition, you will also receive the inspiring resource, Gratitude. You'll learn how thankfulness helps us enjoy life at a greater level.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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Today's Scripture
“I know all the things you do, and I have opened a door for you that no one can close” (Revelation 3:8, NLT).
Today's Word from Joel and Victoria
God is ready to present you with new opportunities. He wants to open new doors before you. It doesn’t matter what’s happening in the world around you, in the economy, the housing industry, or with job reports; God’s Word still remains true. He rewards the people who seek after Him. He’s not the least bit concerned about how He’s going to supply your needs. There is no recession in heaven. He has His eye on you, and He still opens doors that no one can shut! In an instant, He can bring the right people into your life, the right opportunities, and the right resources to take you to a new level.
But in order to go to a higher level, you have to have a higher way of thinking. You can’t stay focused on what’s happening in the natural nor allow worry and fear to fill your thoughts. Remember, God’s ways are higher than our ways. He is working on your behalf behind the scenes in the supernatural realm. Choose to keep an attitude of faith and expectancy. As you do, you’ll move forward through the open doors of blessing God has prepared for you.
A Prayer for Today
Father in heaven, I bless Your holy name. Thank You for opening doors for me that no one can close. Fill me with Your peace and joy today as I wait on You. In Jesus’ Name Amen.
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Chat online and in real-time with friends and family! Windows Live Messenger 11월 26일
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The November Issue of FEER
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Dear Reader,
Welcome to the November issue of the Far Eastern Economic Review.
This month you can enjoy free access to Paul Wolfowitz's "A Chance to Build on Taiwan's Progress." Please note that all the Review Subscribers can access all articles for free. If you don’t already subscribe to the magazine, please take this opportunity and join Asia’s opinion leaders today by logging onto https://www.feer.com/subscription/subscribe.
Sincerely,
Christine Brendle Managing Director
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Free Access to This Article: Paul Wolfowitz's "A Chance to Build on Taiwan's Progress"
[ read this article ]
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| Essays
Economics: Can Asia Consume A Way Out of Crisis? Hugo Restall, editor of the REVIEW, looks at the prospects of Asian governments' efforts to jump start domestic demand through Keynesian stimulus packages. [ read this article ] Financial Markets: Keys to a Stronger Financial System Don Hanna, global head of emerging markets, economic and market analysis, Citigroup, expounds three essential steps that are necessary to make the financial system sound. [ read this article ]
Interview: Regina Ip, Convert to Democracy Janis Foo, a Princeton-in-Asia fellow at the REVIEW, talks with Hong Kong Legislative Council member, Regina Ip, about the impact of the downturn on Hong Kong's economy and how it could affect politics in the territory. [ read this article] Land Reform: China's Land Reform: Speeding the Plough Tom Orlik, a free-lance writer in Shanghai, and Scott Rozelle, professor of economics at Stanford University, explain how land reform can help hundreds of millions of China's poor. [ read this article ]
Diplomacy: Asia's Challenges For Obama Brian P. Klein, an international affairs fellow of the Council on Foreign Relations in Japan, compiles a detailed "to do in Asia" list for President-elect Barack Obama. [ read this article ]
Taiwan: A Chance to Build on Taiwan's Progress Paul Wolfowitz, chairman of the U.S.-Taiwan Business Council, calls on President-elect Obama to support Taiwan President Ma Ying-jeou in forging closer ties with China. [ read this article ]
Investment: Orissa Steel Project Tests India's Mettle Anurag Viswanath and Rebecca Catching, journalists based in Bangalore and Shanghai, respectively, detail how another multibillion dollar investment in India is turning sour. [ read this article ]
Democracy: Affirming Democracy As an Asian Value Rana Siu Inboden, an independent consultant for governance and rule of law projects, on why Asia's first regional democracy organization, the Asia Pacific Democracy Partnership, is becoming a force for change. [ read this article ]
Private Equity: Private Equity and Pragmatism in China Duncan Clark, chairman of BDA China, a consulting and investment-advisory firm, shows how private equity and venture capital are playing an increasingly critical role in China deals. [ read this article ]
Cambodia: Cambodia's New Intellectuals Geoffrey Cain, a writer based in Phnom Penh, explores the burgeoning world of Cambodian blogging, and discovers an emerging intelligentsia in the nation's Internet cafés. [ read this article ]
Education: Educating the Masses Helen Joyce, education correspondent for the Economist, and James Miles, the Economist's Beijing bureau chief, discuss China's efforts to turn the world's largest higher education system into one of the best. [ read this article ] Education: MBA Imports Strive to Compete Paul Mooney, a free-lance writer based in Beijing, explores the pitfalls of foreign business schools establishing programs in China. [ read this article ] REVIEWS Meltdown: The Inside Story of the North Korean Nuclear Crisis by Mike Chinoy Reviewed by John Delury, associate director of the Asia Society's Center on U.S.-China Relations. [ read this review ]
The Idea of Indonesia: A History by R. E. Elson Reviewed by Sadanand Dhume, a former REVIEW correspondent and the author of My Friend the Fanatic: Travels with an Indonesian Islamist (Text Publishing, 2008). [ read this review ]
The Duel: Pakistan on the Flight Path of American Power by Tariq Ali Reviewed by Ian Chesley, who studied Central Asia at Harvard University and was awarded a doctorate in Slavic languages and literatures in 2007. [ read this review ]
The Corpse Walker: Real-Life Stories, China from the Bottom Up by Liao Yiwu Reviewed by Rebecca Kanthor, a free-lance writer based in Shanghai. [ read this review ]
Tearing Apart the Land: Islam and Legitimacy in Southern Thailand by Duncan McCargo Reviewed by Geoffrey Cain, a free-lance journalist based in Phnom Penh. [ read this review ] AIDS Sutra: Untold Stories from India Edited by Negar Akhavi Reviewed by Ben Frumin, a free-lance journalist formerly based in New Delhi. [ read this review ] Serve the People: A Stir-Fried Journey Through China by Jen Lin-Liu Reviewed by Ron Gluckman, a Bangkok-based free-lance writer and former Beijing correspondent. [ read this review ]
Axis of Convenience: Moscow, Beijing and the New Geopolitics by Bobo Lo Reviewed by Nick Frisch, a free-lance journalist who studied Chinese history at Columbia University. [ read this review ]
India: The Rise of an Asian Giant by Dietmar Rothermund Reviewed by Piali Roy, a free-lance writer based in Canada. [ read this review ]
Jaunt Through Asia Thomas Talhem, a free-lance writer based in Beijing, describes a softer form of the old Maoist rustification programs to teach city kids about the life of China's farmers. [ read this article ]

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| Our 2009 desk calendar is designed to help you in your daily journey. In addition, you will also receive the inspiring resource, Gratitude. You'll learn how thankfulness helps us enjoy life at a greater level.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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Today's Scripture
“Give thanks to the Lord and proclaim His greatness. Let the whole world know what He has done” (Psalm 105:1, NLT).
Today's Word from Joel and Victoria
When someone gives you a meaningful or costly gift, how do you show your appreciation? Do you tell them how grateful you are? What do you do with that gift? When it’s something you are truly thankful for, you probably don’t just throw it in the back of a closet; you openly and proudly display the gift. When others see and admire it, you probably tell them about where it came from and about the generosity of the giver.
In the same way, as believers, we should give thanks to the Lord and constantly show our gratefulness and appreciation for all He has done for us by displaying the gifts He’s given us. We should display love, peace, joy, kindness, and hope. We should live our lives in such a way that our very actions proclaim His greatness and cause others to take notice.
Proclaim His greatness by living a life of gratitude to Him and let the whole world know what He has done for you!
A Prayer for Today
Father in heaven, thank You for setting me free and filling me with Your hope, peace, and joy. I invite You to dwell in every area of my being and make my life a continual praise to You. In Jesus’ Name. Amen.
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Share your beautiful moments with Photo Gallery. Windows Live Photo Gallery 11월 25일
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Dear Fellow Investor, For the past few months, anticipation of the policies of the next President of the U.S. has only served to fuel the frenzied swings of the stock market. Now that the election is over, we turned to some of our best performing guru partners to find out what stocks, funds and ETFs they are recommending for an Obama-led economy. Be sure to download our Special Report, 11 Presidential Buys. The economic slowdown has hurt stocks not just in the U.S. but globally. One of our newest guru partners, Rudy Martin, Editor of Latin Stock Investing, is a Latin stock lover, albeit selectively. To read an in-depth analysis of one of Rudy’s favorite investment recommendations, be sure to download A Latin American Bellwether to Buy. As always, these reports are complimentary and there is no credit card payment necessary. Please click on one or both of the links below to obtain your FREE downloadable copies.
Sincerely,
 Charles Morgan Associate Publisher Forbes Newsletter Group
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| Our 2009 desk calendar is designed to help you in your daily journey. In addition, you will also receive the inspiring resource, Gratitude. You'll learn how thankfulness helps us enjoy life at a greater level.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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The Power of Righteous Living
Today's Scripture
“The path of the righteous is level; O upright One, You make the way of the righteous smooth” (Isaiah 26:7, NIV).
Today's Word from Joel and Victoria
Righteous living is simply following God’s ways. When we honor God and His Word above all, it pleases Him, and He promises to make our way smooth. Righteous living keeps us connected to God and closes the door to the enemy. Righteous living is the evidence of our faith in Him. In other words, when we follow God commands, it proves that we have faith in Him because Hebrews tells us that faith without action is dead, or useless.
Today, take time to search your mind and heart. Invite the Holy Spirit to reveal to you any areas that need adjusting. Don’t allow yourself to be comfortable with any unrighteous, self-defeating thoughts or actions. Be determined to live, think, speak and act the way God does! Let His righteousness flow through you today and every day so that you can keep your faith alive and move forward into the abundant life He has for you.
A Prayer for Today
Father in heaven, I commit to You every area of my life—my mind, my will, and my emotions. Reveal to me anything that isn’t pleasing to You. Show me Your ways so that I can walk with You and live righteously in every area of my life. In Jesus’ Name, Amen.
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Questions or comments? Please contact us: Joel Osteen Ministries PO Box 4271, Houston, TX 77210 1 (800) 278-0520
You are receiving this email because you signed up with Joel Osteen Ministries and chose to receive email notices from us.
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| Our 2009 desk calendar is designed to help you in your daily journey. In addition, you will also receive the inspiring resource, Gratitude. You'll learn how thankfulness helps us enjoy life at a greater level.
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| Are you ready to ignite your spiritual walk with God? Then get T-N-T and raise your spiritual passion to truly live an empowered life!
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Today's Scripture
“I know all the things you do, and I have opened a door for you that no one can close” (Revelation 3:8, NLT).
Today's Word from Joel and Victoria
God is ready to present you with new opportunities. He wants to open new doors before you. It doesn’t matter what’s happening in the world around you, in the economy, the housing industry, or with job reports; God’s Word still remains true. He rewards the people who seek after Him. He’s not the least bit concerned about how He’s going to supply your needs. There is no recession in heaven. He has His eye on you, and He still opens doors that no one can shut! In an instant, He can bring the right people into your life, the right opportunities, and the right resources to take you to a new level.
But in order to go to a higher level, you have to have a higher way of thinking. You can’t stay focused on what’s happening in the natural nor allow worry and fear to fill your thoughts. Remember, God’s ways are higher than our ways. He is working on your behalf behind the scenes in the supernatural realm. Choose to keep an attitude of faith and expectancy. As you do, you’ll move forward through the open doors of blessing God has prepared for you.
A Prayer for Today
Father in heaven, I bless Your holy name. Thank You for opening doors for me that no one can close. Fill me with Your peace and joy today as I wait on You. In Jesus’ Name Amen.
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