1

When my brother and I were growing up, my mother

would always tell us to “stick together when times got

tough”. For many within our community these have been

very tough times. This publication has been created

as a vehicle by which we can stick together. Each

business service advertiser listed within Evangel Works

is Christian owned and operated and does business

within our community. Many of the business owners live

and worship in your neighborhood. Because of this they

are all deeply committed to providing the best products

and service possible. Imagine the positive difference we

can make if we all directed our spending towards those

companies that cared about our church and community

the most. My hope is that Detroit will soon experience a

great transformation and resurgence. I realize, however,

that the key to any economic turnaround is dynamic,

Christ-centered leadership with each one of us doing

our part to make our city the best that it can be. Renewal

happens from the inside out, so please know that while

I pray that you will solicit the

services of our business owners

I also extend a personal

invitation for you to come and

worship with us. Throughout

this publication you will find

Ministry Pages, these ads

are designed to provide you

with information on ways

that Evangel can support you and your family. We offer

counseling services, unique ministry for men, women

and youth as well as spirit-filled worship and biblical

preaching. In these difficult times we need the help that

only Christ can provide and we also need the love and

support of others. I believe that you and I can make it

through these challenging times, but only if we all stick

together. Never forget together we can do great things!

God Bless.

May 3rd

32

Greetings in the name of the Lord!

Pastor Chris / Senior Pastor Evangel Ministries

2

Membership. Travel. Insurance.

Lynn Quickley

Sales & Service Agent

AAA Michigan, Dearborn MI

(877)731-3315 Ext.34350

(313)231-5520 Cell

lrquickley@aaamichigan.com

On the road and off. Discover the benefits.The most popular

protection on the road. Exclusive member

discounts that really add up. Expert travel plan-

ning for great vacations. Joining AAA brings you all this and more. We’re

a club—not just an-other company—so our

members are the focus of everything we do.

For more details, contact our office today:

Brendazzled

Mary KayBeauty Consultant

Hand Crafted.Unique Designs.Rings, Necklaces, Earrings, Bracelets.In-House Showing(313)433-5590

Gift Basket or Entire Line.

Makes a great Gift for Birthdays,

Anniversaries and Special Occasions.

(313)366-2303

3

4

Pretty Clean LLC Cleaning ServicesHousekeeping and Janitorial

We service all of your cleaning needs...... From dusting to laundry!

We have very reasonable rates. We would love to have you as a customer!

Call us for your free estimate at 313-595-9626 or 313-424-9923.

Or visit us atwww.PrettyCleanOnline.com

PrettyCleanllc@yahoo.com

Services include: Apartments/Condos Day cares / Centers / HomesOfficesHomesMove-ins/Move-outsParty Clean-Ups/Set-UpsAnd more!!!!

Discounts: Senior Referral New Customer Frequent Customer Price Matching*

Contracts1 time onlyweeklybi-weeklymonthly

OUR GOAL IS CUSTOMER SATISFACTION

*Price matching is subject to approval.

Cakesby

CookieSpecializing in Custom Design

Weddings

Birthdays

Graduation

Special Occasions

(586) 808-1135

5 Steps to Surviving an Economic Crisisby Pastor Christopher Brooks

As the economy is rocked by an unfortunate mixture of poor corporate management, falling home prices, job losses and politi-

cal gamesmanship many people are wondering what they can do to protect themselves from financial devastation. As both a Pastor and Finan-cial Advisor, I have watched with a prayerful eye as our government attempts to create a bailout plan which will hopefully rescue Wall Street firms and main street families. If you find that your anxi-eties have risen concerning your financial future, you are not alone. This is a very serious moment that has caused many to be uneasy and one which requires prudence and wisdom.

Thankfully, as Christians we are blessed to have God’s word as our timeless guide to financial peace and security. Even in situations as challeng-ing as the one we currently face, God has provid-ed an abundance of both biblical and practical instruction on how to survive. I would encourage you to spend time reading passages such as; Genesis 41 and Luke 16:1-8 for biblical models on how to respond to seasons of economic difficulty. However, on a purely practical note I believe there are 5 basic steps each of us should take in order to ensure our financial survival during this recession. If followed, these steps should position you to thrive no matter the financial climate.

Step #1: Do not Panic - It goes without saying that we all make drastically better decisions when calm and collected than we do when frantic and fearful. Successful individuals are able to overcome adversity, in large part, because they exhibit emotional control during difficult times. Decisions made in panic can cause long-term financial problems. Such as, those who feel that they should pull their money out of the bank or stop paying their bills, or those who feel so over-whelmed that they question “Why should I even try?”. These acts and attitudes will only work to

5

Brown & Co., P.C.Certified PubliC ACCountAnt

21840 Harding • Oak Park, MI 48237 • Ph. (248)967-0104 • Fx. (248) 967-3678

Our mission is to be responsive to our clients’ needs and provide them with quality service that enables them to successfully meet the ever changing dynamics of today’s business environment. We have a team of professionals who can assist in the following areas: Financial Planning, Legal Concerns, Graphic Design, Computer Consulting and Marketing.

ServicesCompilations and Reviews•Business and Personal Tax Returns•Tax Representation•Write-up and payroll•Management Consulting•

worsen your situation. Now is the time to step back, take a deep breath, and to remind yourself that the fundamental foundation for financial success has not changed.

Step #2: Do not make Financial Decisions on Your Own - We all know the proverbial wisdom “there is safety in a multitude of counselors”. Well now is the time to apply this truth to your financial decisions. Take advantage of the professionals and expertise available to you. You should set up appointments with a representative from your bank and any other financial firm with which you do business. Ask them to explain how the current economic meltdown will affect you and to advise you on how to protect your current assets. Share with your advisors the way you are feeling and the actions you believe should be taken to secure your money. Most importantly, pray and ask the Holy Spirit to guide you as you make decisions on how to best handle the resources he

has entrusted to your care.

Step #3: Cut Expenses and Increase Income - Chances are that your company is not in a position to give you a raise. Therefore, the best way to in-crease your income is to slash your expenses. Each monthly bill you are able to eliminate acts as money going back into your pocket which you could use to accomplish other financial goals. The margin for fluff is gone, so, be wise enough to get rid of any expenditure that you can do without. The second best way to increase your income is to turn your hobbies into profit. Now is a great time to take that special skill you have and use it to bring in addition-al income. If you are able to do things like baking, cleaning homes, event planning and handyman work; seize the moment and get the word out that you are available for hire!

STEPS, page 20

6

7

EZ PAYMENT PLANSUSE YOUR TAX REFUNDSAVE ON NEW & USED COMPUTERS

Our custom built computers have a •3 year warrantySpecials on Desktops•

CALL US AT: (313)278-8585

SECURITY SYSTEM SPECIALISTCCTVACCESS CONTROLINTERCOM SECURITY

Lyndon Ford EA, MBA President and Former IRS Agent

As former IRS Auditors and IRS Collection Officers, we will use our years of IRS, State, and local tax experience to help you... 1) Reduce the dollar amount of personal or business taxes

that you owe 2) Stop or remove collection liens and levys3) Keep money from being taken out of your paycheck or

monthly pension4) Prevent the government from taking your personal or

business property and money in your bank account5) Fight back - and WIN! - during an audit and get a

refund or pay less in taxes and penalties6) Set up tax payments that you can afford 7) File current and past years tax returns BEFORE the IRS,

State, or City government contacts you or your business 8) Avoid future tax trouble 9) Stop worrying and get back your peace of mind!!!

Don’t make the mistake of thinking that your tax trouble can’t get any worse.IT CAN get worse - and probably will get worse if you don’t get experienced, professional tax help... NOW!

8

Financial Services

Call today for a complimentary, customized Financial Needs Analysis Most People don’t plan to fail, they fail to planGet out of the dark about your financesPut your financial house in orderWe’ve helped 6 million families reach their financial goals.

Take control today!

Your Local Representative:Angelica Johnson 30200 Telegraph Suite 225Bingham Farms MI 48025 (586)435-6257

productions

Teaching the word of God through Drama

Coming this fall “Noah’s Ark”Actors Singers and Dancers of all ages

welcome to Audition Call (313)425-1197 for more information

We also can perform short skits great for luncheons, prayer meetings or youth groups or one and two act plays

illustrating Bible Stories and lessons. If you are looking for a way to reach, teach or

entertain we can help.

To schedule us for your group call (313)492-9289

by Dr. Sabrina Black

For many couples the top four areas of disagreement or conflict are communication, finances, children and intimacy. During these economic hard times, it is imperative that we focus on the family from a Biblical perspective so that our families can survive the shifting economy. When money is tight, couples do not have a plan for how to navigate their limited resources it leads to increased problems in commu-nication such as frustration, accusations, arguments and sometimes even worse. For each individual it can lead to outbursts of anger, increased worry, anxiety over paying bills and making ends meet. As you have to cut back, deal with bill collectors call-ing and/or if you can’t see a way out it could lead to depression. The children will often become pawns and parents may even feel guilty that they are not able to give their children as much as they would like or keep up with what others in the neighborhood. And for couples who have a hard time navigating their finances; a healthy intimacy life is usually out of the question. Working extra hours and/or two jobs to make ends meet may lead to exhaustion and limited time for intimacy due to scheduling. In times like these, the four most common areas of strain in a relationship can become compounded.

This may sound all too familiar. It may represent your household or someone you know and care about. There is hope! God is able. Discipline is possible. You can survive the economy. Families of faith do not have to become part of the nega-tive national statistics because God is the major denominator in all of our equations. When we focus on our families in accordance to the Word, God will add wisdom. He will multiply our limited resources. He will subtract unwise decisions that lead to debt and He will not let the enemy divide us. What can couples do to focus on the family especially during economic hard times? These navigation tips will help get you through as you pray, study the Word and trust the Lord.

Navigation Tips to Focus on the Family during Economic Hardship

9

General Civil – LawsuitsFamily Law – Child Support, Divorce and CustodyCriminal – Felony and Misdemeanor DefenseExpungmentsProbate – Wills, Trusts, Health Care Power of AttorneyBankrupcy – Chapters 7 and 13

601 Beaufait StreetDetroit, Michigan 48207(313) 656-2237

www.pramseylaw.com

Law Office of TaTaNisha Reed

Child Custody, Support and DivorceDrug Charges and FeloniesAll Criminal Charges

24151 Telegraph Rd., Suite 210Southfield, Michigan 48033(248) 436-6881

www.attyreed.com

Visa / Mastercard

Payment PlansLaw Offices of Paula Ramsey PLLC

Navigation TIP #1

COMMUNICATION (Ephesians 4:29 – Let no unwhole-some/corrupt communication proceed out of your mouth; but that which is good to the use of edifying that it may minister grace unto the hearer) Set a time weekly to sit down at a table to discuss finances with the family. Each person can give an account of income and expenses so that there are no surprises. This weekly time can also be used to thank God for His provisions and to pray for those who are less fortunate. During this time be mindful that coming to the table should not be seen as punishment or a time for just bad news but an opportunity to be informed as part of the household.

Navigation TIP #2

CLARIFICATION (Proverbs 3:13-17 – (13) Happy is the man that findeth wisdom and the man that getteth understanding). So often, in families lack of informa-

Family members experience more peace when there is understanding and trust in the process of decision making.

10

Rita F. YoungAttorney and counselor at law / since 1991Detroit College of Law

ph. (313)963-3730 fax (313)963-6636

General PracticeFamily LawCriminal LawReal EstateProbate / WillsChapter 7 Bankrupcies

Reasonable Fee / Payment Plans

tion or wrong information, leads to misunderstand-ings. Explaining what is going on with the finances and how things are being handled will help those in the family better appreciate why certain decisions are made. It is important to explain why purchases may need to be postponed, plans altered or can-celled or why there are so many changes in how the monies are distributed. Family members experi-ence more peace when there is understanding and trust in the process of decision making.

Navigation TIP #3

CONSOLIDATION (Acts 2:44-45 – And all that believed were together, and had all things in common; and sold their possessions and goods, and parted them to all men, as every man had need.) Consolidating your finances means a lot more than just getting control of your money. It means getting a handle

on your habits and renewing your mind concern-ing spending and sharing. Coming together as a family and consolidating will ensure that the needs of all are met. This may be a good time to sell items that are not frequently used or give them away to others that will be blessed and have greater use for the item. Discuss with family members the need to pay off small bills, cut expenses and join together in like purchases. Many things can be purchased at a discount in bulk if they are needs of others in the family. Sharing items among family members will also promote additional closeness and opportunities to work things out as we work together.

Navigation TIP #4

COMMUNION (Proverbs 133:1 – Behold, How good and pleasant it is for brethren to dwell together in unity). Although finances may be limited, there are still

NAVIGATION, page 22

11

You have seen SMC advertised on TV

Now you can purchase from •our Catalog Become a rep and do •business on line or in person We have 1000s of items •that sell fast

313-832-4375Call James for a catalog or to become a Rep

SMCProducts and Business Opportunity

We can do it.Pre-Maintenance Programs•Oil Changes•Brakes•Tune-Ups•Tire Services•Inspections•Diagnostic Tests•

Mr. and Mrs. Julius and Gayle Clark15735 Schaefer Hwy.Between Puritan & FenkellDetroit, MI 48227(313) 836-2018

Fully Licensed, Bonded & Insured

SaLeS and ServIce

10% off all repairs for Evangel Ministries Members

The 5 Rules of Employability during an Economic Crisis

by Pastor Aaron O. Richardson

During these economic times, the American worker must develop a sound strategy for finding and maintaining employment. In

this commentary, you’ll find that the rules of en-gagement for employability are designed to aid those searching for employment and also those wanting to keep their current employment stand-ing. There are multiple challenges to securing good employment in this hour; however, all is not lost. The good news is there are jobs available; acquiring work and maintaining work is also a job in itself.

Rule # 1. Be very careful of whose advice you fol-low. One must become a researcher to no end. There are literally, thousands of resources avail-able, with an opinion on how to get and keep a job. The question to ask is how one should go

The good news is there are jobs available; acquir-ing work and maintaining work is also a job in itself.

RULES, page 14

12

Kingdom Dreaming is available for purchase via Evangel Ministries, www.equippedforlife.tv and major online retailers now!!

It’s Time for you to Begin...

KINGDOM DREAMING!

BookImage

Pastor and Author, Christopher W. Brooks has been enthusiastically involved in ministry for nearly twenty years. In that time, he has ministered to thousands through pastoring, workshops and conferences, as well as through the daily ministry of Equipped for Life Media. With it’s outlets in television, internet and international radio broadcasts, Pastor Brooks has touched the lives of millions with his encouraging yet, challenging messages that bring to life the pure Word and Power of the Gospel. Pastor Brooks is the Senior Pastor of Evangel Ministries, an energetic, thriving church in the heart of Detroit. With the mission of evangelizing the world, he and his dynamic team have created and implemented numerous programs, curriculum and outreaches that “Equip Christians, Enrich Families and Empower Communities”. He is also, president of the Detroit Bible Institute, which is committed to raising up the next generation of christian leaders who will impact their world for Christ. A graduate of Michigan State University with a B.A. in Finance, Christopher is also a graduate of the Oxford Centre for Christian Apologetics at Oxford University and is currently pursuing a M.A. in Christian Apologetics at Biola University.

Everyone has a Kingdom Dream - a calling and motivation that goes beyond worldly selfishness and instead, serves to glorify our Father in Heaven. In this book, Pastor Brooks calls on every Christian to actively search for that Dream, immersing him or herself in prayer, Scripture and fellowship with other Dreamers to truly become not what the world wants, but what God has ordained.

The highly anticipated release ofPastor Christopher W. Brooks’ first book,

Kingdom Dreaming has finally arrived!

If you could do one great thing with your life in order to bring God glory before you died, what would it be? This seemingly simple question, asked in the first few pages of Kingdom Dreaming, forms the basis for Christopher W. Brooks’ guide to helping every Christian achieve their God-given potential and bring glory to His name. As a successful pastor, broadcaster and mentor, Brooks has spent years counseling and coaching seekers of God’s truth to find the life purpose He has placed deep within their hearts.

13

CLASSES FOR EVERYONE!

Monday Kickboxing 9am/8pm Tuesday Abs&Buns 9am/6pm

Thursday Step Aerobics 10am/ Kickboxing 9am/6pm

Saturday Step Aerobics 9am

WHAT ARE YOU WAITING FOR? GET FIT TODAY!!!

FAST LANE FITNESS

$35 A month

All classes included

* $20 first-time registration

fee waived with this ad *

NO CONTRACT MEMBERSHIP

Fast Lane Fitness

13864 Grand River Detroit, MI 48227

(Inside the Love Your Body Health and Fitness Ministries)

313- 778-8745 www.fastlanefitness1.com

Kingdom Dreaming is available for purchase via Evangel Ministries, www.equippedforlife.tv and major online retailers now!!

It’s Time for you to Begin...

KINGDOM DREAMING!

BookImage

Pastor and Author, Christopher W. Brooks has been enthusiastically involved in ministry for nearly twenty years. In that time, he has ministered to thousands through pastoring, workshops and conferences, as well as through the daily ministry of Equipped for Life Media. With it’s outlets in television, internet and international radio broadcasts, Pastor Brooks has touched the lives of millions with his encouraging yet, challenging messages that bring to life the pure Word and Power of the Gospel. Pastor Brooks is the Senior Pastor of Evangel Ministries, an energetic, thriving church in the heart of Detroit. With the mission of evangelizing the world, he and his dynamic team have created and implemented numerous programs, curriculum and outreaches that “Equip Christians, Enrich Families and Empower Communities”. He is also, president of the Detroit Bible Institute, which is committed to raising up the next generation of christian leaders who will impact their world for Christ. A graduate of Michigan State University with a B.A. in Finance, Christopher is also a graduate of the Oxford Centre for Christian Apologetics at Oxford University and is currently pursuing a M.A. in Christian Apologetics at Biola University.

Everyone has a Kingdom Dream - a calling and motivation that goes beyond worldly selfishness and instead, serves to glorify our Father in Heaven. In this book, Pastor Brooks calls on every Christian to actively search for that Dream, immersing him or herself in prayer, Scripture and fellowship with other Dreamers to truly become not what the world wants, but what God has ordained.

The highly anticipated release ofPastor Christopher W. Brooks’ first book,

Kingdom Dreaming has finally arrived!

If you could do one great thing with your life in order to bring God glory before you died, what would it be? This seemingly simple question, asked in the first few pages of Kingdom Dreaming, forms the basis for Christopher W. Brooks’ guide to helping every Christian achieve their God-given potential and bring glory to His name. As a successful pastor, broadcaster and mentor, Brooks has spent years counseling and coaching seekers of God’s truth to find the life purpose He has placed deep within their hearts.

14

Cherry B

eauty D

epartme

nt

ask fo

r Johnen

e D. H

icks

13421 Ten M

ile Rd.

Oak Pa

rk, M

I 48237

NEW C

LIENTS

WEL

COME

(248) 545-4900 or

Multi C

ultura

l Hair

Stylis

t

Pray for grace (to sustain you, to uplift you and to strengthen you)

Prioritize your schedule (keeping God and family first)

Plan for day to day activities (but be flexible)

Prepare for the unexpected (change is certain)

People will help if you ask them (build a support network)

Pursue Godly counsel and intervention call 313-201-6286

Persist with doing good and remember

Personal Care is important (you may also need counsel)

Dr. Sabrina D. Black www.abundantlifecounseling.webs.com

How to Cope with Family Drama, Trauma,

and Mental Illness

about choosing and following information that is reliable. Look beyond just the normal inter-net articles on how to’s and try asking actual people who are in the industry of interest. On the other hand, consider asking your supervisor what is the best way to maintain your current position, based on the present conditions of the company. Also, be prepared to hear the reality of the situation and be willing to make provi-sions in your employment strategy.

Rule # 2. Become an employment strategist. Criti-cally assess your current status as a worker, or a desiring worker, and take ownership of your em-ployee profile. Learn the current key performance areas for your employer, because they may have changed due to the economic down turn. What was a priority yesterday, may not be a main concern today. Simply aim to keep the most important thing the most important thing. Do your own performance evaluations regularly, and be proactive about making adjustments where necessary. This will aid you in realizing your value as a worker. Also, discuss with others around you about how they see you as an employee and ask them to be honest. The sudden loss of a job, or inability to obtain a job, should not be a sur-prise. The competition levels are extreme and no one is indispensable.

Rule # 3. Build a winning resume. Because of the job crunch, there are many highly qualified appli-cants applying even for entry-level positions. This means that the selection pool is swarming with fresh candidates for employers to choose from. The advantage goes to the individual who is best able to present their capabilities and previous per-formance. Unlike in times past, a hiring manager should be able to immediately glean significant information about an applicant to consider them as a potential hire. This being said, you want to prepare your resume with ease of reading in mind while communicating all of your accomplish-ments. Next, avoid sending your resume blindly. All candidates look alike that follow the routine of sending a faxed or e-mailed resume. Speak

RULES, Continued from page 14

15

For all your household plumbing needs.Repairs and Drain Work Code Violations Water HeatersTroubleshootingKitchen and Bath Remodels

Back Flow Testing

(313) 218-3306William L GodfreyPlumbing Specialist

®

®

skin care can

Get wise to age-fighting.Think fine lines should be quoted — not appear on your face? A simple and effective daily program with TimeWisehelp reduce the appearance of fine lines and wrinkles. So skin looks firmer. And feels softer. Start looking younger now! Contact me to experience TimeWisefor yourself.

Suzanne BigelowIndependent Beauty Consultant marykay.com/sbigelow4(313) 623-1759

SKIN

CA

RE AN

D C

OLO

R CO

SMETIC

Swith the employer first; finding out exactly what the hiring needs are for the current season, allows you to craft your resume to the specific needs of the com-pany.

Rule # 4. Be ex-tremely relational. Try contacting the direct hiring author-ity instead of hu-man resources. HR rarely makes the fi-

nal hiring decision unless the job opening is in that department. Start by calling the company and asking for a manager’s name and e-mail address or checking the company’s web-site for the needed information. Another step is to forward a persuasive e-mail to the hiring manager about why they should meet face to face with you. Be sure to communicate your flexibility to meet when and where it is convenient for them. Being readily available, informed, and eager to work, separates you from other potential candidates.

Rule # 5. Begin where you can. This may sound like an unconventional piece of advice. How-ever, with the time it takes to successfully land a perfect position, it may well serve the individual to be optimistic while working in an unfavorable position for a season. Also, there are a number of assistance programs for the displaced worker through state funded organizations such as Michigan Works and Detroit’s Workplace Devel-opment. Continuing to improve job skills and marketability is a must. These opportunities can provide a wellspring of training and education for the individual who is willing to take advantage of these aides. Make sure you are not turning down any opportunity that can best advance you toward your employability goals. Remember, there is nothing new under the sun; what is, was and what was will always be.

“Your money

represents the

resources God

has provided

you with to

accomplish his

will for your life.”

16

Hope for HomeownersThe single greatest financial concern through-

out the country has been the impact of the “housing crisis.” Because household budgets

have been totally upset due to interest rates on adjustable rate mortgages skyrocketing, credit be-ing frozen due to all of the bad debt being held by lending institutions, and unemployment rising, foreclosures have reached a 30 year high. This has caused home values to plummet and even the col-lapse of several major financial institutions. In an effort to ease the fears of so many and provide wisdom during this difficult financial season, listed below are 4 practical tips that may prove helpful if you are facing an escalating adjustable rate mort-gage, foreclosure or simply trying to sell your home. Remember as you read these tips that the basics are still the basics.

Tip #1 Consider Your Lender an Ally

The single greatest error that homeowners make regarding their mortgage lender is not communi-cating as soon as they run into financial challenges. Lenders are in the lending business and it is in their best interest to work out payment arrangements with you. If you are facing financial challenges that will affect your ability to continue paying your mort-gage on time, you should immediately contact your lender. You may be able to refinance into a fixed rate (1), you may be able to have missed payments added to the end of your loan to bring you current (2), a payment modification may be granted (3) and under certain circumstances, a combination of the last two may be an option (4). There are even government certified agencies that can help you. Don’t wait until it is too late. For a list of agencies that can support you, go to www.hud.gov.

Tip #2 Consider Hiring a Professional

Whether you are facing financial challenges or

simply looking to sell your home, I would strongly encourage hiring a professional and highly experi-enced realtor to help you. Times have changed and the days of the most recent housing boom have long gone. This means that you can no longer place a for sale sign in your yard or list your home at any price and expect buyers to come knocking down your door. It is a really bad idea to “test” the market with an uninformed market price. Your home has the greatest potential to attract buyers within the first few weeks. If that opportunity is missed due to over-pricing, you may have missed your opportunity to sell your home. A professional realtor is going to be familiar with the local market conditions and should be able to help you price and market your home appropriately based upon research of comparable home sales in the area. Even though I do strongly encourage hiring a realtor, I would not be solely dependant upon their efforts to sell your home. Negotiate an arrangement that would allow you to pay a lower commission percentage if you are responsible for the sale of your home and do your best to supplement their efforts.

Tip #3 Consider a Buyer’s Perspective

We are in a buyer’s market meaning that there is a much greater supply of homes than there is de-mand for them. This also means that buyers can take their time while shopping for the right house, in the right neighborhood and for the right price. To greater your chances of selling your home you have to be sensitive to what buyers are looking for. Beyond the price of the home you need to consider the con-dition of your prop-erty. Homebuyers are looking for homes that have a great appeal,

17

Certified Public Accountant

Small Business,Tax,

Non Profit Consulting.

(313) 345-0587fortassoc@aol.com

Exclusive Wear17117 W 9 Mile Rd. Suite 116

Phone: (248)395-7401Fax: (248)395-7402

MFG of Casual and Business

Customized Suits / Tailoring

Young Entrepreneur Designer Clothes

School Uniform

www.exclusivewear.net

“Quality comes first with a compassionate commitment

to satisfy our customer”

outside and in. This means that your grass and bushes needs to be tapered, your doors, roof, gut-ters, garage and windows need to be attractive, and everything else should pleasing to a potential homebuyer at first glance from the outside. Also, the inside of your home should not be in disrepair, cluttered or inappropriately decorated. A profes-sional realtor can walk you through this process.

Tip #4 Consider Alternative Options

Although this is the final tip, this should not be con-sidered the least of them. As a matter of fact, one of the first things that you should do is to examine multiple financial options with wise counsel. Your goal should be to examine your personal network so that you can find experts who can provide ob-jective advice. Some alternative things to consider may be leasing your home with the option to buy (1), selling it on terms with a Land Contact (2), or maybe renting a room or space to a family mem-ber or friend while trying to regain stability (3). If this is not possible and you still would like to sell it, consider negotiating with the bank to accept a short sell (3). Another option to consider is doing a deed-in-lieu of foreclosure (3). As a last resort, filing for bankruptcy may be the least desirable but most suitable option for you (4). I do how-ever, want to stress that this should be a last resort, yet it should be considered early on in be-cause of the time and funds that it would require to imple-ment.

18

Adult Foster Care Provider

Two Locations to Serve you

We accept Psychiatric Disorders,

Traumatic Brain Injury and

Medical Fragile Clients

We specialize in providing quality living for the hard to place clients .

Transportation and other support services available.

(313)918-9496God’s Caring Hands INC

Imagine PhotographyCapturing the moments you’ll always remember...

Yvette Knight(313) 658-5208

Weddings, Engagements, Anniversaries,

Bridal & Baby Showers, Birthday Parties and

Special Occasions

A Multimedia Production CompanyTV & Radio BroadcastDocumentaries, Commercials, Voice TalentDVDs, Photography, Corporate Videos

www.nittygrittyproductions.netSince 1999 NGP has provided corporate audio and video services for such clients as The Salvation Army, Transition of Prisoners (T.O.P.), Union Grace MBC, Evangel Ministries, New Creations Community Outreach, Image of Success, WWJ News Radio 950, Inkster Public Schools, Franco PR Group, New Detroit Inc., WJG Enterprises, The City of Detroit, and many more.

Producer: Vince Yarbrough Studio Phone: (313) 839-8042 Cell: (313) 204-8557Email: vince@nittygrittyproductions.net

The Finest Nature Has To OfferAt PURE HERBS,Ltd. we take satisfaction in our ability to provide unsurpassed service and quality extracts to our Distributors. We carry the finest herbs available at an affordable price.

Quality extracts enter the bloodstream quicker to restore and maintain optimum health.

Pure Herbs, Ltd., at the present time, has over 360 different herbs, herbal combinations, and eight different encapsulated products to choose from.

Call your local Distributor today!

Charlene Green (586) 755-3404

19

De Marko Thurman / Math Specialist

Office (313)452-0049 • Fax (313)387-1610 mathtechonwheels@gmail.com

“Driving Knowledge To You At A Reasonable Rate!!”

We Offer in Home Tutoring in Math Year Round

Elementary through Pre Calculus•Skill Building•A.C.T /Test Preparation•Homework help •

For the past 12 years we have delivered progressive results, consistent student academic improvement and a high level of customer satisfaction.

KimbroughTravel.comvisit us on the web

For all your travel and entertainment plans.

Air, Hotel, Sporting Events, Shows, Plays.

or contact LaVern Kimbroughlavern07@comcast.net • (313) 549-8429

Makaia Richey

Specialize in Residential • (Primary, Investment, Bank-Owned, New Construction)

Serving Oakland, Macomb and Wayne Counties•

Represent Buyers and Sellers•

Lease and Lease with option to buy•

Professional and Personal Service•

MRichey.yourKWAgent.com

27555 Executive Dr, Ste. 100 Farmington Hills, MI 48331Cell: (313)408-2099 • Fax: (248)553-0503Email: makrichey@yahoo.com

“Your Personal Home Consultant”

Gospel,Gospel Rap Music and More

20

QUALITY CLOTHING

Shopping by appointment only.

First impressions are everything!

15400 Grand RiverDetroit, MI 48227

Town Center MallMezzanine Level(second floor)

50% offall items in store

Suits starting at $45.00 to $75.00Blazers starting at $20.00 to $40.00Pants starting at $10.00 to $25.00Shirts starting at $9.00 to $20.00Shoes starting at $15.00 to $50.00

Providing all your work place snack needs

Locations being accepted now

Specializing in Work Place Vending Machines

Pop and Chips ,Candy and Snacks

Email us at unlimitedvendor@yahoo.com or

Call 248-508-2650

U n l i m i t e d Ve n d i n g Machines Available for your location

Step #4: Secure Your Employment Future - The greatest financial asset any person can possess is a good job. This is why so many have become nervous as unemployment rises across our state. It is critical that we recognize that, although the job market has tightened, there are plenty of good jobs available for qualified candidates. However, as we look to the future we must realize that due to the competitive nature of our econ-omy we all must work hard to make ourselves at-tractive to employers. This means that you should obtain any special training or certifications pos-sible, be willing to be cross-trained and even consider going back to school in order to obtain a higher level of education than you currently possess. All of these moves only work to make you more appealing to potential employers. For those who are already employed it is essential that you increase your diligence at work. Do all that you can to maximize your productivity, main-tain peak performance and above all exude a positive and cooperative attitude at all times. If your performance is high and your attitude is great then you will most likely be retained by your employer even if they have to let others go.

Step #5: Get a Financial Education -Your finances may be the third most important area of your life, trailing behind only your faith and family. Your money represents the resources God has provid-ed you with to accomplish his will for your life. You and I are accountable to the Lord to do all that we can to make sure we are educated financially so that we can make good and godly financial decisions. Take the time to read financial newspa-pers, attend financial seminars, listen to sermons on managing your money and talk to folks that have a proven track record of financial wisdom. This will allow you to have both the competence and confidence needed to not only survive an economic crisis but to thrive in the midst of it.

For more information or to submit your financial questions, visit www.equippedforlife.tv.

STEPS, Continued from page 5

21

T he primary purpose of the

Detroit Bible Institute is

to develop current and

future Christian leaders

through advanced Biblical

education and training, so that

they may be thoroughly equipped

to provide strong Christian

leadership in our churches,

communities, state, and nation.

For the perfecting of the saints,

for the work of the ministry, for

the edifying of the body.

Ephesians 4:12

13660 Stansbury • Detroit Mi 48227 • 313-836-7324 Ext.238

Classes:

• Church History

• Apologetics

• Systematic Theology

• Hermeneutics

• Homiletics

• Biblical Leadership I

• Biblical Leadership Ii

• Role Of The Minister

• Role Of The Pastor

• Counseling In The Local Ch. I

• Counseling In The Local Ch.Ii

• Financial Ministry Leadership

• Women’s Ministry

• Youth And Family Leadership

• Worship Ministry Leadership

22

Jehonathan Transp. LLCTransportation Services for the Auto Industry and General Commodities.

Dwayne Moton Sr. (313)212-1942

Spring and fall Clean ups

Complete Lawn Care service

Small Tree and Shrub removal

Flower planting and designed

OTHER SERVICES

Snow Removal and Salting

Debris Removal

Contact: Jerome Brown

& Darnishous Brown

313-838-7046

On the cutting edge of perfecting lawn care

313-838-7046

Psalms 23:2 “He maketh me to lie down in green pastures”

things you can do together as a family. Cutting off the cable may be a scary thought but it can lead to more time to do home-work for children, times to talk in the evenings, to play games and do ac-tivities as a family. Spend-ing time together as a family is a past time that needs to increase. Family devotions and times of prayer will lead to an attitude of gratitude and shift our focus from what the world says to what God says.

Navigation TIP #5

COUNSELING (Galatians 6:2, 10

– Bear ye one another’s burdens and so fulfill the law of Christ; As we have therefore opportunity, let us do good unto all men, especially unto them who are of the household of faith) If demonstrat-ing the fruit of the Spirit (Galatians 5:22-23) or maintaining Christlikeness among the members of your family has been challenging, then coun-seling may be in order. Be willing to let others help you as you grow. Counseling is simply allow-ing someone to walk along side you for a sea-son of life to help you deal with the issues of life (whether it is communication, finances, children or intimacy). Church leaders and members of the Healing Place ministry are available to help you focus on the family as you navigate these economic hard times.

Dr. Sabrina D. Black, Counseling Director

A Healing Place, Evangel Ministries

To Schedule an appointment call 313-836-7732

NAVIGATION, Continued from page 10

“During these

economic

hard times it

is imperative

that we focus

on the family

from a Biblical

perspective so

that our families

can survive the

shifting economy.”

23

24

AAA / insurance ................................................ p. 2

Back 2 the Family ...................... inside back cover

Brendazzled / jewelry & cosmetics .................. p. 2

Brown & Co., P.C. / Public Accountant ............. p. 5

Cakes by Cookie .............................................. p. 4

Cherry Beauty Department / Hair .................. p. 14

DL Communications / Electronics.................... p. 7

Exclusive Wear / Apparel ................................ p. 17

Father & Son Lawn / Lawn Care .................... p. 22

Gods Hands / Adult Care ............................... p. 18

Imagine Photography ..................................... p. 18

Jehonathan Transportation ............................ p. 22

JHOSTA / Party DJ ............................................ p. 19

Jehovah Jireh Productions / Instructional Plays .................................... p. 8

Joyful Noise Child Care ........................ back cover

Keller Williams / Real Estate Agent ................. p. 19

Keep it Kleen Landscaping &

Lawn Care ....................... inside back cover

Kimborough Travel ........................................... p. 19

Lisa Fort / Public Accountant ......................... p. 17

Math Tech / Math Tutoring .............................. p. 19

Motor City / Auto Care .................................... p. 11

Nitty Productions / Production Company ........................... p. 18

Precious Home Care Services............... front cover

Pretty Clean / CLeaning Services .................... p. 4

Primerica / Financial Services .......................... p. 8

Pure Herbs / Natural Extracts Distributor .................... p. 18

Quality Clothing / Apparel ............................. p. 20

Law Offices of P. Ramsey and T. Reed ............... p. 9

Rita F. Young Law .............................................. p. 10

SMC / Product Distributor ............................... p. 11

Suzanne Bigelow / Cosmetics ........................ p. 15

Tax Trouble Help / Tax Advising ......................... p. 7

Unlimited Vending / Vending Machine Supplier ................... p. 20

WLG / Plumbing Services ............................... p. 15

Advertisers Index