Warren Buffett

The World's Most Successful Investor: Success
Story and Key Teachings
Vadim Kotelnikov
Founder, Ten3 Business e-Coach – Inspiration
and Innovation Unlimited!
"Price is what you pay. Value is what you
get." – Warren Buffet
Buffett's Investment Criteria 2
Identifying an Outstanding Company
Buffett's Three Non-financial Investment
Criteria
1. It is simple and understandable.
2. It has a consistent operating history.
3. It has favorable long-term prospects.
Buffett's Four Financial Investment Criteria
1. Return of equity (not earning per share)
2. "Owner earning" (the share of profits that
belongs to investors).
3. Profit margins (which must be high)
4. Return on reinvested profits (which must create
at least $1 of market value for every dollar
invested)
8 Best Practices of Successful Companies
The Tree of Business Success
Balanced Business System
Buffett's 7 Contrarian Principles
Ignoring Convention
1. Do not follow the crowd. Ignore the market, the
crowd, and its fashions... More
Buffett's Five Tips for Individual Investors
1. "Look at stocks as parts of business. Ask
yourself, 'How would I feel if the Stock
Exchange was closing tomorrow for the next
three years?' If I am happy owning the stock
under that circumstance, I am happy with the
business. That frame of mind is important to
investing ."... More
Warren Buffett Quotes
Someone's sitting in the shade today because
someone planted a tree a long time ago.
Honesty is a very expensive gift, Don't expect it
from cheap people.
It takes 20 years to build a reputation and five
minutes to ruin it. If you think about that, you'll
do things differently... More
Case in Point
Buffett makes a $800 Million Investment
Decision Within 1 Day
Strategies of Market Leaders
Fast Company
Business Angels
Search for Investment Opportunities
Investment by Venture Capital Firms
10 Most Common IPR Mistakes During VC Due
Diligence
Think Pad Inc. – a Home Run (case study)
Corporate Investing in External Ventures
GE Equity (case study)
Nortel Telecom (case study)
Jokes
Unlucky VC Investor
The World's Most Successful Investor
Warren Buffett is the world's most successful
investor and a self-made billionaire. He is
consistently ranked among the world's Top 3
wealthiest people.
Buffett runs and owns about 31% of Berkshire
Hathway, a $136 billion investment company,
that has substantial stakes in Coca Cola, Wells
Fargo and American Express. A $1 investment
in Berkshire in 1965 would bring about $5,500
in 2005.
Since 1951, Buffett generated an average
annual return of about 31%. The average
annual return for the Standard & Poor's 500-
stock over that period is 11%.\
Warren Buffett's Investment Criteria
Warren Buffett was once asked what is the
most important thing he looks for when
evaluating a company to invest in. Without
hesitation, he replied, "sustainable competitive
advantage"... More
The Power of Focus
Warren Buffett says his companies ability to
generate large profits is the result of being able
to focus on what is important , and not paying
attention to things that would distract the
company.
Buffett's Teachings on Investment
Warren Buffett is the world's most successful
investor. "Buffett's teachings on investment
sound deceptively simple. But there is no
deception. They truly are simple . Do not allow
investment advisers to persuade you that
investment is a complex matter needing great
expertise. Instead, learn how to assess the
fundamental and financial values of a business
yourself, and invest according to your
convictions."
Ignoring Conventional Investment Guidelines
Warren Buffett believes that the conventional
approach to investment makes it difficult to
beat the market and easy to do worse. If you
wish to invest well you must be prepared to go
against the prevailing wisdom and ignore
conventional investment guidelines. You can
increase your chances of finding winning
stocks by adhering to Buffett's contrarian
principles.
Using the Probability Theory
Buffett is a master at the art of fast decision
making and arbitrage. The probability theory is
essential to Buffett's theory of investment:
"Take the probability of loss times the amount
of possible loss from the probability of gain
times the amount of possible gain. That it what
we're trying to do. It's imperfect, but that's
what it is all about."
Buffett uses essentially the same approach to
investment strategy and arbitrage. In both
cases "he buys into situations where the
probability is that shares are undervalued and
that this undervaluation will be corrected. The
difference is time-scale; the arbitrage position
will be closed out as soon as possible, while
the investment will be kept "indefinitely so long
as we expect the business to increase in
intrinsic value as a satisfactory rate." That
answers the question about how long Buffett
believes a share should be held: possibly
forever." 2
Relying On Gut Instinct
Bill Gates , Founder of Microsoft Corporation
and a Berkshire director, praises Buffett's hard-
to-imitate management style. "It's baffling to
think who else could do it," he says.
Warren Buffet spends most of his day alone in
an office with no computer. His desk isn't
littered with stock research. "I don't use
analysts or fortune tellers, " Buffett says. "If I
had to pick one, I don't know which it would
be." He deliberately keeps the outside world at
bay, believing it is the best way for him to
remain "rational" as an investor. If he is
interested in investing in a company, he studies
the financials himself. "All I have to do is think
and not be influenced by others," he says.
Warren Buffett "spends the better part of most
workdays thinking and reading. He fields a
handful of phone calls, and on most days, he
confers with the chiefs of of a few Berkshire
subsidiaries. He seldom holds meetings." 1
Making Fast Decisions
Warren Buffett "makes swift investment
decisions, steers clear of meetings and
advisers, eschews set procedures and doesn't
require frequent reports from managers.
Occasionally he picks up the phone, calls his
broker and trades $100 million or more of
stock." 1
When Buffett is buying stock, he pays little
attention to some factors that shape other
investors' decisions, such as economic climate.
He doesn't wait to see what government is
doing to make a trade. Buffet also can move
more quickly than his competitors. He has no
investment committee, and that allows him to
make immediate decisions... Case in Point
Hands-Off Management
Buffett believes that managers of the
companies he is investing in ought to be left to
run their businesses without interference from
him and without having to hew any to any
unifying corporate strategies or goals. "We
delegate to the point of abdication," Buffett
says in Berkshire's Owner's Manual.
Despite its investment size, Berkshire Hathways
has a tiny staff. It's headquarters is staffed by
just 17 employees. The company has no
public-relations, human-relations, investor-
relations, legal departments, or investment
committee. It holds no quarterly earning calls
for investors and analysts, has no asset
allocation guidelines, and gives no guidance on
future earnings. Warren Buffet tells the chiefs of
his business units not to produce any special
reports for him.
On occasion, when severe problems arise,
Buffett abandons his hands-off management
approach however.

AN Awesome WAY to make cOOl CasH LEARN HOW

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Inspirational Bible Verses - Read from the Bible
that offer inspiration and can help inspire you in
times of doubt, loss, mourning, sadness, or
hopelessness. The Holy Bible has many
passages about inspiration in relation to God,
Jesus Christ, and the Christian faith.
Use our Bible verses by topic , page listing
popular verses from the Old and New
Testament.
Jeremiah 29:11
For I know the plans I have for you," declares
the LORD, "plans to prosper you and not to
harm you, plans to give you hope and a future.
Read Jeremiah 29 | View in parallel | Compare
Translations
Psalm 27:4
One thing I ask of the LORD, this is what I seek:
that I may dwell in the house of the LORD all
the days of my life, to gaze upon the beauty of
the LORD and to seek him in his temple.
Read Psalms 27 | View in parallel | Compare
Translations
Psalm 34:8
Taste and see that the LORD is good; blessed
is the man who takes refuge in him.
Read Psalms 34 | View in parallel | Compare
Translations
Proverbs 17:17
A friend loves at all times, and a brother is born
for adversity.
Read Proverbs 17 | View in parallel | Compare
Translations
Isaiah 40:31
but those who hope in the LORD will renew their
strength. They will soar on wings like eagles;
they will run and not grow weary, they will walk
and not be faint.
Read Isaiah 40 | View in parallel | Compare
Translations
John 15:13
Greater love has no one than this, that he lay
down his life for his friends.
Read John 15 | View in parallel | Compare
Translations
Romans 8:28
And we know that in all things God works for
the good of those who love him, who have been
called according to his purpose.
Read Romans 8 | View in parallel | Compare
Translations
Romans 8:31
What, then, shall we say in response to this? If
God is for us, who can be against us?
Read Romans 8 | View in parallel | Compare
Translations
Romans 8:38-39
For I am convinced that neither death nor life,
neither angels nor demons, neither the present
nor the future, nor any powers, neither height
nor depth, nor anything else in all creation, will
be able to separate us from the love of God that
is in Christ Jesus our Lord.
Read Romans 8 | View in parallel | Compare
Translations
1 Corinthians 13:12
Now we see but a poor reflection as in a mirror;
then we shall see face to face. Now I know in
part; then I shall know fully, even as I am fully
known.
Read 1 Corinthians 13 | View in parallel |
Compare Translations
2 Corinthians 4:16-18
Therefore we do not lose heart. Though
outwardly we are wasting away, yet inwardly
we are being renewed day by day. For our light
and momentary troubles are achieving for us
an eternal glory that far outweighs them all. So
we fix our eyes not on what is seen, but on
what is unseen. For what is seen is temporary,
but what is unseen is eternal.
Read 2 Corinthians 4 | View in parallel |
Compare Translations
Philippians 3:7-9
But whatever was to my profit I now consider
loss for the sake of Christ. What is more, I
consider everything a loss compared to the
surpassing greatness of knowing Christ Jesus
my Lord, for whose sake I have lost all things. I
consider them rubbish, that I may gain
Christ and be found in him, not having a
righteousness of my own that comes from the
law, but that which is through faith in Christ
the righteousness that comes from God and is
by faith.
Read Philippians 3 | View in parallel | Compare
Translations
Ephesians 3:17-21
so that Christ may dwell in your hearts through
faith. And I pray that you, being rooted and
established in love, may have power, together
with all the saints, to grasp how wide and long
and high and deep is the love of Christ, and to
know this love that surpasses knowledgethat
you may be filled to the measure of all the
fullness of God. Now to him who is able to do
immeasurably more than all we ask or imagine,
according to his power that is at work within
us, to him be glory in the church and in Christ
Jesus throughout all generations, for ever and
ever! Amen.
Read Ephesians 3 | View in parallel | Compare
Translations
Hebrews 10:19-23
Therefore, brothers, since we have confidence
to enter the Most Holy Place by the blood of
Jesus, by a new and living way opened for us
through the curtain, that is, his body, and since
we have a great priest over the house of
God, let us draw near to God with a sincere
heart in full assurance of faith, having our
hearts sprinkled to cleanse us from a guilty
conscience and having our bodies washed with
pure water. Let us hold unswervingly to the
hope we profess, for he who promised is
faithful.
Read Hebrews 10 | View in parallel | Compare
Translations
James 1:2-4
Consider it pure joy, my brothers, whenever you
face trials of many kinds, because you know
that the testing of your faith develops
perseverance. Perseverance must finish its
work so that you may be mature and complete,
not lacking anything.
Read James 1 | View in parallel | Compare
Translations
Romans 1:17
For in the gospel a righteousness from God is
revealed, a righteousness that is by faith from
first to last, just as it is written: "The righteous
will live by faith."
Read Romans 1 | View in parallel | Compare
Translations
Deuteronomy 31:6
Be strong and courageous. Do not be afraid or
terrified because of them, for the LORD your
God goes with you; he will never leave you nor
forsake you."
Read Deuteronomy 31 | View in parallel |
Compare Translations
1 Corinthians 16:13
Be on your guard; stand firm in the faith; be
men of courage; be strong.
Read 1 Corinthians 16 | View in parallel |
Compare Translations
click

posted from Bloggeroid

Quotes of Love

"Love is like dew that falls on both nettles and
lilies"
(Swedish Proverb)
"I believe that unarmed truth and unconditional
love will have the final word in reality. That is
why right, temporarily defeated, is stronger than
evil triumphant."
(Martin Luther King, Jr.)
"The more we love our friends, the less we
flatter them; it is by excusing nothing that pure
love shows itself."
(Moliere)
"You, yourself, as much as anybody in the
entire universe, deserve your love and
affection."
(Buddha)
"That best portion of a good man's life; his
little, nameless, unremembered acts of
kindness and love."
(William Wordsworth)
"Believe in love's infinite journey, for it is your
own, for you are love. Love is life"
(Rumi)
"Love, love, you know what love is? Love is an
illusion created by lawyer types like yourself to
perpetuate another illusion called marriage to
create the reality of divorce and then the
illusionary need for divorce lawyers."
(Kevin - St. Elmo's Fire)
"Nothing is sweeter than love, Nothing
stronger, Nothing higher, Nothing wider,
Nothing more pleasant, Nothing fuller or better
in heaven or earth; for love is born of God"
(Thomas a Kempis)
"Our family is a circle of love and strength.With
every birth and every union, the circle grows.
Every joy shared adds more love. Every
obstacle faced together makes the circle
stronger"
(unknown)
"To keep your marriage brimming, With love in
the wedding cup, Whenever you're wrong, admit
it; Whenever you're right, shut up."
(Ogden Nash )
"Love one another and you will be happy. It's
as simple and as difficult as that."
(Michael Leunig)
"Love and kindness are never wasted. They
always make a difference. They bless the one
who receives them, and they bless you, the
giver"
(Barbara De Angelis)
"We love because it's the only true adventure"
(Nikki Giovanni)
"A man in love is incomplete until he is married.
Then he's finished."
(Zsa Zsa Gabor)
"There is nothing worth the wear of winning,
but laughter and the love of friends."
(Hillaire Belloc)
"Come live with me and be my love, And we will
some new pleasures prove Of golden sands
and crystal brooks, With silken lines and silver
hooks."
(John Donne)
"Friends show their love in times of trouble..."
(Euripides )
"To have and to hold from this day forward, for
better or worse, for richer for poorer, in sickness
and in health, to love and to cherish to death
do us part"
(Book of Common Prayer)
"A companion loves some agreeable qualities
which a man may possess, but a friend loves
the man himself"
(James Boswell)
"Friendship is Love without his wings!" "
(Lord Byron)
"Now join hands, and with your hands your
hearts"
(William Shakespeare)
"Marriage is the perfection of what love aimed
at, ignorant of what it sought"
(Ralph Waldo Emerson)
"Other men have seen angels, But I have seen
thee, And thou art enough"
(G. Moore)
"Gravitation can not be held responsible for
people falling in love"
(Albert Einstein)
"God is a fire that warms and kindles the heart
and inward parts...He will come to warm our
hearts with perfect love, not only for Him but
also for our neighbor, and the cold of him who
hates the good will flee before the heat of His
countenance"
(St. Seraphim of Sarov)
"Jealousy: that dragon which slays love under
the pretence of keeping it alive."
(Henry Havelock Ellis)
"And, when he shall die, Take him and cut him
out in little stars, And he will make the face of
Heaven so fine That all the world will be in love
with night And pay no worship to the garish
sun"
(William Shakespeare)
"I've already wasted my whole life. I want to tell
you with my last breath that I have always
loved you. I would rather be a ghost, drifting by
your side as a condemned soul, than enter
heaven without you. Because of your love, I will
never be a lonely spirit"
(Li Mu Bai- character in Crouching Tiger Hidden
Dragon)
"Death leaves a heartache no one can heal,
love leaves a memory no one can steal"
(headstone in Ireland)
"Who will tell whether one happy moment of
love or the joy of breathing or walking on a
bright morning and smelling the fresh air, is not
worth all the suffering and effort which life
implies."
(Eric Fromme)
"I am in love with this green Earth."
(Charles Lamb)
"Flowers are love's truest language."
(Park Benjamin)
"When all is said and done, the weather and
love are the two elements about which one can
never be sure."
Alice Hoffman, 'Here on Earth')
"A kiss is a lovely trick designed by nature to
stop speech when words become superfluous"
(Ingrid Bergman)
"Love is like an hour glass, with the heart filling
up as the brain empties"
(Jules Renord)
"Love is the master key that opens the gates of
happiness"
(Oliver Wendell Holmes)
"Kindness in words creates confidence.
Kindness in thinking creates profoundness.
Kindness in giving creates love"
(Lao-Tzu)
"Women are made to be loved, not understood"
(Oscar Wilde)
"Never close your lips to those to whom you
have opened your heart."
(Charles Dickens)
"To ease another's heartache is to forget one's
own."
(Abraham Lincoln)
"Never put anyone out of your heart... "
(Neem Karoli Baba)
"From the fullness of the heart, the mouth
speaks."
(Jesus Christ)
"Two souls with but a single thought,Two heart
that beat as one."
(Franz Joseph von Munch-Bellinghausen)
"Everyone is the age of their heart."
(Guatemalan Saying)

Love Quotes

                                        Love Quotes
"Love is like dew that falls on both nettles and lilies"
(Swedish Proverb)

"I believe that unarmed truth and unconditional love will have the final word in reality. That is why right, temporarily defeated, is stronger than evil triumphant."
(Martin Luther King, Jr.)

"The more we love our friends, the less we flatter them; it is by excusing nothing that pure love shows itself."
(Moliere)

"You, yourself, as much as anybody in the entire universe, deserve your love and affection."
(Buddha)

"That best portion of a good man's life; his little, nameless, unremembered acts of kindness and love."
(William Wordsworth)

"Believe in love's infinite journey, for it is your own, for you are love. Love is life"
(Rumi)

"Love, love, you know what love is? Love is an illusion created by lawyer types like yourself to perpetuate another illusion called marriage to create the reality of divorce and then the illusionary need for divorce lawyers."
(Kevin - St. Elmo's Fire)

"Nothing is sweeter than love, Nothing stronger, Nothing higher, Nothing wider, Nothing more pleasant, Nothing fuller or better in heaven or earth; for love is born of God"
(Thomas a Kempis)

"Our family is a circle of love and strength.With every birth and every union, the circle grows. Every joy shared adds more love. Every obstacle faced together makes the circle stronger"
(unknown)

"To keep your marriage brimming, With love in the wedding cup, Whenever you're wrong, admit it; Whenever you're right, shut up."
(Ogden Nash )

"Love one another and you will be happy. It's as simple and as difficult as that."
(Michael Leunig)

"Love and kindness are never wasted. They always make a difference. They bless the one who receives them, and they bless you, the giver"
(Barbara De Angelis)

"We love because it's the only true adventure"
(Nikki Giovanni)

"A man in love is incomplete until he is married. Then he's finished."
(Zsa Zsa Gabor)

"There is nothing worth the wear of winning, but laughter and the love of friends."
(Hillaire Belloc)

"Come live with me and be my love, And we will some new pleasures prove Of golden sands and crystal brooks, With silken lines and silver hooks."
(John Donne)

"Friends show their love in times of trouble..."
(Euripides )

"To have and to hold from this day forward, for better or worse, for richer for poorer, in sickness and in health, to love and to cherish to death do us part"
(Book of Common Prayer)

"A companion loves some agreeable qualities which a man may possess, but a friend loves the man himself"
(James Boswell)

"Friendship is Love without his wings!" "
(Lord Byron)

"Now join hands, and with your hands your hearts"
(William Shakespeare)

"Marriage is the perfection of what love aimed at, ignorant of what it sought"
(Ralph Waldo Emerson)

"Other men have seen angels, But I have seen thee, And thou art enough"
(G. Moore)

"Gravitation can not be held responsible for people falling in love"
(Albert Einstein)

"God is a fire that warms and kindles the heart and inward parts...He will come to warm our hearts with perfect love, not only for Him but also for our neighbor, and the cold of him who hates the good will flee before the heat of His countenance"
(St. Seraphim of Sarov)

"Jealousy: that dragon which slays love under the pretence of keeping it alive."
(Henry Havelock Ellis)

"And, when he shall die, Take him and cut him out in little stars, And he will make the face of Heaven so fine That all the world will be in love with night And pay no worship to the garish sun"
(William Shakespeare)

"I've already wasted my whole life. I want to tell you with my last breath that I have always loved you. I would rather be a ghost, drifting by your side as a condemned soul, than enter heaven without you. Because of your love, I will never be a lonely spirit"
(Li Mu Bai- character in Crouching Tiger Hidden Dragon)

"Death leaves a heartache no one can heal, love leaves a memory no one can steal"
(headstone in Ireland)

"Who will tell whether one happy moment of love or the joy of breathing or walking on a bright morning and smelling the fresh air, is not worth all the suffering and effort which life implies."
(Eric Fromme)

"I am in love with this green Earth."
(Charles Lamb)

"Flowers are love's truest language."
(Park Benjamin)
\
"When all is said and done, the weather and love are the two elements about which one can never be sure."
Alice Hoffman, 'Here on Earth')

"A kiss is a lovely trick designed by nature to stop speech when words become superfluous"
(Ingrid Bergman)

"Love is like an hour glass, with the heart filling up as the brain empties"
(Jules Renord)

"Love is the master key that opens the gates of happiness"
(Oliver Wendell Holmes)

"Kindness in words creates confidence. Kindness in thinking creates profoundness. Kindness in giving creates love"
(Lao-Tzu)

"Women are made to be loved, not understood"
(Oscar Wilde)

"Never close your lips to those to whom you have opened your heart."
(Charles Dickens)

"To ease another's heartache is to forget one's own."
(Abraham Lincoln)

"Never put anyone out of your heart... "
(Neem Karoli Baba)

"From the fullness of the heart, the mouth speaks."
(Jesus Christ)

"Two souls with but a single thought,Two heart that beat as one."
(Franz Joseph von Munch-Bellinghausen)

"Everyone is the age of their heart."
(Guatemalan Saying)

                                         Love Quotations and Sayings

"Love is a master key which opens the gate of happiness"
(Oliver Wedell Holmes)

"What know we of the Blest above but that they sing, and that they love? "
(William Wordsworth)

"All good virtues and goodness itself will gradually find their true home in the heart in
which love dwells, and all other qualities will wither and die"
(Harold Clemp)

"Love does not come to those who seek it, but to those who give love. It is a binding force between souls who have nothing to give but themselves to one another."
(Harold Clemp) 

"So far as the Angels are recipients of that spiritual heat and light they are loves and wisdoms, not loves and wisdoms for themselves, but from the Lord. "
(Emanuel Swedenborg)

"When we freely forgive others who have hurt us, our angel brings us a special blessing of love from God."
(Eileen Elias Freeman)

"Love seeketh not itself to please, nor for itself hath any care, but for another gives its ease, and builds a heaven in hell's despair"
(William Blake)

"The vital importance of love is to love all life without qualms, without wisdom or religion being uppermost in the mind of the lover"
(The Shariyat-Ki-Sugmad Bk1)

"We cannot really love anybody with whom we never laugh."
(Aymes Repplier)

"Knowledge can bring many things..but the consciousness of the heart brings love, and love brings everything"
(Harold Clemp)

"Hatred paralyzes life, love releases it. Hatred onfuses life, love harmonizes it. Hatred darkens life, love illuminates it."
(Martin Luther King, Jr.)

"La vita e bella; la vita e amore. Life is beautiful; life is love."
(From the movie "Life Is Beautiful")

"The minute I heard my first love story I started looking for you, not knowing how blind that was. Lovers don't finally meet somewhere. They're in each other all along."
(Rumi)

"And the Angel said, "I have learned that every man lives, not through care of himself, but by love."
(Leo Tolstoy)

"Abundance flourishes in a grateful heart; gratitude is the secret of love."
(Harold Klemp)

"Most people think they are searching for truth when they are really searching for love "
(Harold Clemp)

"The giving of love is an education in itself."
(Eleanor Roosevelt)

"All you need is love."
(Lennon/Mc-Cartney)

"Courage is like love - it must have hope to nourish it."
(Napoleon Bonaparte)

"To love for the sake of being loved is human, but to love for the sake of loving is angelic."
(Alphonse De Lamartine)

"God's Love is always working to help Soul find its way back home"
(Harold Clemp)

"Hungry not only for bread but hungry for love. Naked not only for clothing -- but naked for human dignity and respect. Homeless not only for want of a room of bricks -- but homeless because of rejection. "
(Mother Teresa)


"When the power of Love overcomes the love of power the world will know Peace "
(Jimi Hendrix)


"Love - the feeling - is a fruit of love, the verb."
(Stephen Covey)


" Smile at each other, smile at your wife, smile at your husband, smile at your children, smile at each other -- it doesn't matter who it is and that will help you to grow up in greater love for each other."
(Mother Teresa)

"Where there is great love , there are alwaysmiracles"
(Willa Cather)

posted from Bloggeroid

Proverbs 23:22 
“Listen to your father, who
gave you life, and do not despise your
mother when she is old.” (NIV)

Proverbs 1:8-9
 “Listen, my son, to your
father’s instruction, and do not forsake your
mother’s teaching. They will be a garland to
grace your head and a chain to adorn your
neck.” (NIV)

1 Timothy 5:1-2
 “Never speak harshly to an
older man, but appeal to him respectfully as
you would to your own father. Talk to
younger men as you would to your own
brothers. Treat older women as you would
your mother, and treat younger women with
all purity as you would your own
sisters.” (NLT)

James 2:14-17 
“What good is it, my brothers,
if a man claims to have faith but has no
deeds? Can such faith save him? Suppose a
brother or sister is without clothes and daily
food. If one of you says to him, “Go, I wish
you well; keep warm and well fed,” but does
nothing about his physical needs, what good
is it? In the same way, faith by itself, if it is
not accompanied by action, is dead.” (NIV)

Joshua 1: 7-9
 “Be strong and very
courageous. Be careful to obey all the law
my servant Moses gave you; do not turn from
it to the right or to the left, that you may be
successful wherever you go. Do not let this
Book of the Law depart from your mouth;
meditate on it day and night, so that you may
be careful to do everything written in it.
Then you will be prosperous and successful.
Have I not commanded you? Be strong and
courageous. Do not be terrified; do not be
discouraged, for the Lord your God will be
with you wherever you go.” (NIV)

2 Timothy 2:22-25
“Have no part at all in the wrong things that
young men like to do. Believe. Have love.
Follow what is right. Live at peace. Do these
things along with others who have a clean
heart and talk to God.
Keep out of foolish quarrels. You know that
they start fights.The Lord’s servant must not
fight. But he must be kind to all people. He
must be a good teacher to them. He must be
patient with them.
When he corrects those who are against him,
he must do it in a gentle way. It may be that
God will turn their hearts to know what is
true. ” (WE)

Proverbs 1:10
 “My son, if sinners entice
you, do not give in to them.” (NIV)

Romans 13:13
 “Because we belong to the
day, we must live decent lives for all to see.
Don’t participate in the darkness of wild
parties and drunkenness, or in sexual
promiscuity and immoral living, or in
quarreling and jealousy.” (NIV)

Matthew 26:41
 “Watch and pray so that you
will not fall into temptation. The spirit is
willing, but the body is weak.” (NIV)

1 Corinthians 10:13
 “No temptation has
seized you except what is common to man.
And God is faithful; he will not let you be
tempted beyond what you can bear. But
when you are tempted, he will also provide a
way out so that you can stand up under
it.” (NIV)

Proverbs 8:32-33
 “Now then, my sons, listen
to me; blessed are those who keep my ways.
Listen to my instruction and be wise; do not
ignore it.” (NIV)

Jeremiah 1:4-9 
“The word of the LORD
came to me, saying, “Before I formed you in
the womb I knew you, before you were born
I set you apart; I appointed you as a prophet
to the nations. ” “Ah, Sovereign LORD,” I
said, “I do not know how to speak; I am only
a child.” But the LORD said to me, “Do not
say, ‘I am only a child.’ You must go to
everyone I send you to and say whatever I
command you. Do not be afraid of them, for
I am with you and will rescue you,” declares
the LORD. Then the LORD reached out his
hand and touched my mouth and said to me,
“Now, I have put my words in your
mouth.”(NIV)

1 Samuel 2:18 
“Samuel was ministering
before the LORD -a boy wearing a linen
ephod.” (NIV)

2 Kings 22:1-2
 “Josiah was eight years old
when he became king, and he reigned in
Jerusalem thirty-one years. His mother’s
name was Jedidah daughter of Adaiah; she
was from Bozkath. He did what was right in
the eyes of the LORD and walked in all the
ways of his father David, not turning aside to
the right or to the left.” (NIV)

Song Of Solomon 8:4 
(The Message)
“Oh, let me warn you, sisters in Jerusalem:
Don’t excite love, don’t stir it up,
until the time is ripe—and you’re ready.”

Proverbs 20:11
 “Even a child is known by
his actions, by whether his conduct is pure
and right.” (NIV)

Proverbs 28:24 
“He who robs his father or
mother and says, “It’s not wrong”— he is
partner to him who destroys.” (NIV)

Mark 12:29-31 
“The most important one,”
answered Jesus, “is this: ‘Hear, O Israel, the
Lord our God, the Lord is one. Love the Lord
your God with all your heart and with all
your soul and with all your mind and with
all your strength.’The second is this: ‘Love
your neighbor as yourself.’There is no
commandment greater than these.” (NIV)

Micah 6:8 
“He has showed you, O man, what
is good. And what does the LORD require of
you? To act justly and to love mercy and to
walk humbly with your God.” (NIV)