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21 Day Prayer Journal

January 2020 Year of Divine Reversal

YEAR OF DIVINE REVERSAL

“Call to me and I will answer you, and show you great and mighty things which you do not know.”
Jeremiah 33:3 (NKJV)

What He is going to show you, speak to you, release to you, reveal to you in 2020
are going to be things that you have NEVER seen.

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Welcome to the year of massive benefits. I am so excited that we have entered into ten years of new beginnings, God opportunities, readjustments, and reclaiming our years. In 2020, I have prayed and decreed over our lives that this will be the opening of years of divine reversal of everything that was on hold, lacking behind, broken, or lost. I have been trusting God for total recovery, and this will be an amazing year of uncommon victories. God is declaring over His people that; we will not have to work and labor hard for our harvest. God is releasing and removing things at the same time; however, it is working in our favor. He is saying rest and receive your blessings. There are things that will come looking for you this year, and you will see long-awaited prayers answered. This will be a year of prophetic miracles, provision, and fulfillment. Just as the Lord took seven loaves of bread and fed a multitude, so shall it be that supernaturally the Lord will take our little and make it great. Many will go from not having anything to having more than enough! 2020 is our year to live in our fields of harvest, I am excited and awaiting our months of seeing the hand of the Father in operation. I believe that God has been preparing us for the best years of our lives. God has been watching your potential and not your trial; He is ready to reward you for making it through your years of drought.

The number 20 is associated with a trial, a period of waiting, and if successfully completed, the reward is generous and full of God’s love. The number 20 in the Bible symbolizes the cycles of completeness. It is not so widely used, but often it is connected to a period of waiting, laboring, or suffering that is compared to a trial and afterward rewarded. Jacob waited 20 years to get his wives and property and be released from his father-in-law. Solomon was building a house for himself and God; it was 20 years until he got a place to live. Jabin, the Canaan king, was oppressing the Israelites for 20 years until Deborah and Barak managed to release them from the trouble. God told Abraham that if he finds at least 20 righteous people in the city of Sodom and Gomorrah, he will not ruin them. We have entered into the years that everything changes.

It is time to celebrate and walk with great expectations of the divine access that has been released over this new decade. Open your mouth and decree that these next ten years shall be filled with the manifested promises of God. “Thou shalt make thy prayer unto him, and he will hear thee, and thou shalt pay thy vows. Thou shalt also decree a thing, and it shall be established unto thee, and light shall shine upon thy ways.” Job 22:27-28. This brand-new decade will bring about willpower inside of us. You will have the determination and grit to no longer stand on the outside of your dream and purpose, looking in. Instead, in this year of 2020 and beyond, you will seize territory with every step you take.

Welcome to our year of Greater

Pastor House

PROMPTED TO PRAY

I constantly remember you in my prayers. 2 Timothy 1:3 

Several years ago I was prompted to pray for you often, and I wonder why.”

That text message from an old friend came with a photo of a note she’d kept in her Bible: “Pray for James. Cover mind, thoughts, words.” Beside my name she’d recorded three separate years.

I looked at the years and caught my breath. I wrote back and asked what month she began to pray. She responded, “Sometime around July.”

That was the month I was preparing to leave home for extended study abroad. I would be facing an unfamiliar culture and language and have my faith challenged like never before. As I looked at the note, I realized I’d received the precious gift of generous prayer.

My friend’s kindness reminded me of another “prompting” to pray, Paul’s instruction to his young missionary friend Timothy: “I urge, then, first of all, that petitions, prayers, intercession and thanksgiving be made for all people” (1 Timothy 2:1). The phrase “first of all” indicates highest priority. Our prayers matter, Paul explains, because God “wants all people to be saved and to come to a knowledge of the truth” about Jesus (v. 4).

God moves through faithful prayer in countless ways to encourage others and draw them near to Himself. We may not know someone’s circumstances when they come to mind, but God does. And He’ll help that person as we pray!

By: James Banks

Reflect & Pray

Who comes to mind that needs your prayers in this new year? How can you remind yourself to pray for them often?

Loving God, please help me to pray often and to make a lasting difference in others’ lives through my intercession for them.

To learn more about prayer, visit https://bit.ly/2kTeSVt.

Today’s Scripture & Insight:

4 Things to Know Before Investing in Cryptocurrency 

Have you ever traveled in a different country? One of the first things you probably did was visit a bank and exchange your money for the local currency. A Benjamin can buy you a nice dinner in the States, but if you want to enjoy fine dining in Italy, then you’ll need some euros!

Investing in cryptocurrency is similar to exchanging your money in a new country. Bitcoin, Litecoin, and Ether are a few examples of “foreign currencies” that work in a very specific context within certain online communities.

Exchanging any type of currency is built upon shared trust. We value dollars and Euros because we know that we can purchase goods or services with them.

The question is, can you trust cryptocurrencies? And should you jump into the world of crypto investing?

WHAT IS CRYPTOCURRENCY?

Cryptocurrencies are digital assets people use as investments and for purchases online. You exchange real currency, like dollars, to purchase “coins” or “tokens” of a given cryptocurrency. There are many kinds of cryptocurrencies. Bitcoin is the most famous, but Ether, Bitcoin Cash, Litecoin, and Ripple are a few others. All sorts of big tech and finance companies want a slice of crypto pie. Even Facebook has created a cryptocurrency called Libra.

The word cryptography means the art of writing or solving codes. (Sounds like the setup of an Indiana Jones movie, doesn’t it?) Each “coin” is a unique line of code. Cryptocurrencies cannot be duplicated, which makes them easy to track and identify as they’re traded.

You’ve probably heard of people making (or losing!) hundreds of thousands of dollars by investing in cryptocurrencies. It feels like a modern-day gold rush. But cryptocurrencies have actually been around for about 10 years. The earliest cryptocurrency was Bitcoin, created in 2009 by an unknown person who goes by the name Satoshi Nakamoto.

HOW DOES CRYPTOCURRENCY WORK?

Cryptocurrencies are exchanged from person to person on the web without a middleman, like a bank or government. It’s like the wild, wild west of the digital world. There’s no marshal to uphold the law.

Here’s what I mean: Have you ever hired a kid in your neighborhood to mow your lawn or watch your dog while you were out of town? Chances are, you paid them in cash. You didn’t need to go to the bank to make a formal transaction. That’s what it’s like to exchange cryptocurrencies. They are decentralized: No government or bank controls how they’re produced, what their value is, or how they’re exchanged.

As a result, cryptocurrencies are worth whatever people are willing to pay or exchange for them.

Now hang with me, people. We’re about to get techy! You store your cryptocurrency in a digital wallet—usually in an app or through the vendor where you purchase your coins. Your wallet gives you a private key—a unique code that you enter in order to digitally “sign off” on purchases. It’s mathematical proof that the exchange was legit.

Cryptocurrencies operate on what is called blockchain technology. A blockchain is like a really long receipt that keeps growing with each exchange. It’s a public record of all of the transactions that have ever happened in a given cryptocurrency.

WHAT CAN YOU BUY WITH CRYPTOCURRENCY?

At this point, most people still see cryptocurrencies as an investment. But cryptocurrency spending could become popular as these currencies gain trust. There are online retailers, such as overstock.com, who accept cryptocurrencies. And of course, any two individuals who value the tokens can exchange them for goods or services.

Some major retailers, such as Whole Foods and Nordstrom, are experimenting with accepting Bitcoin as a valid source of payment.1 But for the most part, cryptocurrencies are still on the fringe.

4 THINGS TO KNOW BEFORE INVESTING IN CRYPTOCURRENCY

Okay, y’all, I’ve got my coaching hat on. I might even get a little riled up! Before you say good-bye to your dollars and hello to Bitcoin or Ether, there are a few things you need to know.

  1. Cryptocurrencies are volatile. The value of cryptocurrencies goes through extreme ups and downs. In 2017, the value of Bitcoin swung between $900 and $20,000!2 Someone sneezes and the price drops! Investing in cryptocurrency is risky, to say the least. Of course, all investing carries a degree of risk. But you should always avoid unnecessary risks, especially when it comes to your hard-earned money. Don’t play poker with your financial future.
  2. There are lots of unknowns. There’s still a lot that needs to be ironed out with how cryptocurrencies work. Think about it: Nobody even knows who the founder of Bitcoin is! Relatively speaking, only a small percentage of people in the world understand the system and know how to operate it. Ignorance makes you vulnerable. I always advise people that if you can’t explain your investments to a 10-year-old, you have no business investing in them to begin with. You’re setting yourself up to do something stupid.
  3. Cryptocurrencies can be used for fraudulent activity. People who want to remain anonymous and avoid regulation from banks or the government will use cryptocurrencies to make shady deals on the black market. Money laundering is also a problem in the crypto world. Now hear me on this: I’m not saying that everyone who uses cryptocurrency is a bad person. But I am
  4. saying that if someone wants to commit criminal activity and avoid being tracked, the crypto world is an ideal place for them.
  5. Cryptocurrencies have an unproven rate of return. Trading in cryptocurrency is like gambling. Because it’s exchanged peer to peer without any tie to regulatory standards, there’s no pattern to the rise and fall of its value. You can’t predict changes or calculate returns like you can with growth stock mutual funds. There just isn’t enough data, or enough credibility, to create a long-term investing plan based in cryptocurrency.

SHOULD I INVEST IN CRYPTOCURRENCY?

Here’s the deal: If you’re out of debt, have an emergency fund that will cover three to six months of expenses, and you’re already investing 15% of your income in growth stock mutual funds—which are hundreds of times more secure than crypto—then you may make the choice to play around with cryptocurrencies.

But I want to warn you: When you invest in crypto, be prepared to say good-bye-o to your money. It’s not a good way to build wealth. There are thousands of millionaires who agree with me.

Don’t give in to stupid just because there’s a lot of hype. I’ve personally talked to people who have taken out a mortgage or cashed out their entire 401(k) early to invest in cryptocurrency! No, no, no! Don’t put it all on the line and risk your financial future, your retirement dreams, and your family’s well-being.

At some point in the future, cryptocurrencies might become legitimate and widely used. But for now, be safe and be smart.

INVEST WITH CONFIDENCE

Get-rich-quick schemes seem too good to be true because they are. The reality is, the road to building wealth is slow and steady. Millionaires don’t build wealth through risky investments like cryptocurrencies. In fact, in The National Study of Millionaires, we found that the number one wealth-building tool of millionaires is their workplace retirement plan, like a 401(k).

Written by Chris Hogan from ChrisHogan360.com