Showing posts with label Calculated Risk. Show all posts
Showing posts with label Calculated Risk. Show all posts

Tuesday, August 16, 2016

Oh Lord, I Need Your Grace Today by Zoe M. McCarthy

Zoe M. McCarthy
If I’d only known those words: “Oh Lord, I need your grace today.” But I didn’t know the Lord.

At the time, I wished I hadn’t known what had been said about me behind closed doors in the company of three people. One person, I’ll call Power, disparaged my abilities to Lesser Power. The third, Peer, came to me and told me what had been said.

I carried a bowling ball around in my stomach for the rest of the day. I had no one to run to for comfort. My rock, my husband, was out of town on business, a rare occurrence back then.

That evening, I struggled to hide my misery around my sons. I suddenly understood how people with depression felt. I was in a deep, deep hole, and there was no way to climb the slippery walls out. I knew people dealt with this awful feeling 365 days a year. How did they survive?


I went through a gamut of thoughts and feelings during the sleepless night:

  • How cruel Power and Lesser Power were to gossip about me.
  • Was I really that incompetent? 
  • How unkind it was for Peer to warn me about the hurtful words said. If I didn’t know them, I’d not be suffering.
  • Why did this happen on the one day and night John was away?

For a while, I was nervous around Power and knocked heads over business issues with Lesser Power. They were not my favorite people.

With hindsight, I can see how God was orchestrating amazing things in my spirit.

First, I became a Christian. God showed me how to give grace to those who had belittled my worth.

After Power moved on to another job, her son died. At the funeral, with genuine sorrow in my heart, I was able to hug her and tell her I was praying for her.


When Lesser Power was in the process of quitting smoking, I sent her a card with a whale bursting from ocean waters. She came to me with tears in her eyes, thanking me for my encouragement. After she stayed home to be with her husband, who had a rare terminal disease, and then suffered a terminal disease herself, I prayed daily for her and sent her letters and cards.

And as far as my competence? I became a manager, and when I retired, the director whom my area supported entreated me to come back as a consultant.

That’s not the end of the story.

Years later, I was blindsided by an email with disturbing news. The Sender asked me to be involved, but in The Sender’s way, not the Lord’s. This time, I dropped to my knees. Only God’s comfort kept me going for months. He helped me to keep responding to The Sender in love and forgiveness until God answered my prayers and orchestrated a good outcome.

Over the years, I had learned powerful lessons. When I heard the critical words during John’s absence, I needed to learn to seek God, not my husband. A human rock might not always be beside me like God is. And he may not give the best advice. I also learned that ongoing forgiveness gives me peace.

How have you had to depend on God’s grace?

A story of God’s grace during adversity.
Click to tweet.



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About the Author

Zoe M. McCarthy believes the little known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is: Distraction to Attraction, Magnetic Romances Between Opposites. Christian Fiction Online Magazine published two of her short stories. Zoe self-published two books of contemporary Christian short stories. She’s a member of American Christian Fiction Writers. She enjoys leading workshops on the craft of writing; speaking about her faith; planning fun events for her 5 grandchildren; and exploring the Blue Ridge Mountains, where she lives with her husband, John. 


Learn more about Zoe M. McCarthy at her website: http://zoemmccarthy.com



Calculated Risk

What happens when an analytical numbers man meets a mercurial marketing Rep? Romance is a calculated risk…

Jilted by the latest of her father’s choices of “real men,” Cisney Baldwin rashly accepts an invitation to spend Thanksgiving weekend with a sympathetic colleague and his family. Nick LeCrone is a man too much her opposite to interest her and too mild-mannered to make her overbearing father’s “list.” Now, Cisney fears Nick wants to take advantage of her vulnerable state over the holiday. Boy, is she wrong.

Nick wants little to do with Cisney. She drives him crazy with all her sticky notes and quirks. He extended an invitation because he felt sorry for her. Now he’s stuck, and to make matters worse, his family thinks she’s his perfect match. He’ll do what he can to keep his distance, but there’s just one problem—he’s starting to believe Cisney’s magnetism is stronger than he can resist.

Purchase links for Calculated Risk: http://zoemmccarthy.com/books


*Image by Baruska

Tuesday, July 19, 2016

Stay Calm: Use Your Spiritual Preparedness Kit by Zoe M. McCarthy

Zoe M. McCarthy
A spiritual preparedness kit can help us stay mentally and spiritually calm during adversity. I read about such a kit in Dr. David Jeremiah’s article, “Calm,” in “Turning Points” (July 2016). Here’s my take on what I learned.

Who knows when adversity will strike? I could:
• Lose my manuscript
• Receive a rejection
• Be diagnosed with a disease
• Receive a horrible review
• Lose my house to a fire, hurricane, or tornado


Being prepared is scriptural.

• A prudent man foresees evil and hides himself (Proverbs 22:3).
• The wise store up choice food and oil (Proverbs 21:20 NIV).
• [Joseph] laid up in every city the food of the fields which surrounded them (Genesis 41:48).
• And [King Rehoboam] fortified the strongholds, and put captains in them, and stores of food, oil, and wine. Also in every city he put shields and spears, and made them very strong (2 Chronicles 11:11-12).


“What’s the worst that could happen?”

I think adversities are easier to handle when I put the adversity in perspective.

To be ready for any hardship, I need a spiritual preparedness kit.


image by ClkerFreeVectorImages

Creating a spiritual preparedness kit to remain calm.

1. Gather scriptural promises.

Wise people store up knowledge (Proverbs 10:14). What could be wiser than gathering scriptural promises I can claim when difficulties arise? Dr. Jeremiah speaks of taking five-minute time-outs. When adversities occur, I’m to repeat my chosen promises for five minutes to bolster me and receive a calm spirit.

  • He Himself has said, “I will never leave you nor forsake you.” So we may boldly say: “The Lord is my helper; I will not fear. … What can man do to me?” (Hebrews 13:5-6).
  • For God has not given us a spirit of fear, but of power and of love and of a sound mind (2 Timothy 1:7).
  • As long as he sought the Lord, God gave him success. (2 Chronicles 26:5 NIV)
2. Collect Scriptural Blessings

Dr. Jeremiah suggests cultivating a habit of spontaneous gratitude throughout the day—also, finding and thanking God for the good in every situation. He suggests psalms in which David, who was continually in crisis, expresses his gratitude to God. He suggests Psalm 103.

I keep a list of God’s answers to my prayers. Besides strengthening my habit of gratitude, I chose three to remind me of his faithfulness in adversity.

  • God told me to pray continually for my grandson, and ten days later he survived a car-rolling crash. 
  • A pastor prophesied my 92-year-old mother’s salvation, and it happened exactly as she’d revealed.
  • God orchestrated all I needed to attend Bible Study Fellowship’s weekly study on Revelation that required 4 hours on the road. And He gave me a ministry at home to share what I learned.
3. Collect Scriptural Attitudes
  • Be careful, keep calm and don’t be afraid. Do not lose heart (Isaiah 7:4).
  • He who has knowledge spares his words, and a man of understanding is of a calm spirit (Proverbs 17:27). 
  • Blessed are all who fear the Lord, who walk in obedience to him. (Psalm 128:1 NIV)
What I find helpful when difficulties come is to stop everything and say: “God knows this.” Then it’s easier for me to think, “If God knows it and allowed it, I expect Him to guide and help me through it.”

It’s also easier because I believe God works all things for my good; I can come boldly to His throne of grace in my time of need; and God is my very present help in trouble.

With scriptures, attitudes, habits, and blessings in my kit, which is always with me, I’ll be better prepared to receive calmness.

What Bible verse do you carry with you that helps you in time of need?

Create a spiritual preparedness kit. Click to tweet.

(Scriptures are from the NKJV unless noted)

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About the Author
Zoe M. McCarthy believes the little-known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is: Distraction to Attraction, Magnetic Romances Between Opposites. Christian Fiction Online Magazine published two of her short stories. Zoe self-published two books of contemporary Christian short stories. She’s a member of American Christian Fiction Writers. She enjoys leading workshops on the craft of writing; speaking about her faith; planning fun events for her 5 grandchildren; and exploring the Blue Ridge Mountains, where she lives with her husband, John. 
Calculated Risk
by Zoe M. McCarthy

Learn more about Zoe M. McCarthy at her website: http://zoemmccarthy.com

Calculated Risk

What happens when an analytical numbers man meets a mercurial marketing Rep? Romance is a calculated risk…

Jilted by the latest of her father’s choices of “real men,” Cisney Baldwin rashly accepts an invitation to spend Thanksgiving weekend with a sympathetic colleague and his family. Nick LeCrone is a man too much her opposite to interest her and too mild-mannered to make her overbearing father’s “list.” Now, Cisney fears Nick wants to take advantage of her vulnerable state over the holiday. Boy, is she wrong.

Nick wants little to do with Cisney. She drives him crazy with all her sticky notes and quirks. He extended an invitation because he felt sorry for her. Now he’s stuck, and to make matters worse, his family thinks she’s his perfect match. He’ll do what he can to keep his distance, but there’s just one problem—he’s starting to believe Cisney’s magnetism is stronger than he can resist.

Purchase links for Calculated Risk: http://zoemmccarthy.com/books

Tuesday, June 21, 2016

A Fresh Way to Look at a Writer’s Job in Making a Difference by Zoe M. McCarthy

image by Shafman
At the Blue Ridge Mountains Christian Writer’s Conference in Ridgecrest, NC, Author Eva Marie Everson related our jobs as writers to Nehemiah’s job.

Nehemiah’s Job

Nehemiah, the cupbearer to the king wept and mourned. The wall surrounding the city in Jerusalem was broken down and the gates were burned. Nehemiah fasted and prayed, lamenting the Israelites unfaithfulness that brought about this destruction. 

King Artaxerxes asked Nehemiah about his “sorrow of heart.” The king sent Nehemiah to Jerusalem to rebuild the wall. 

Nehemiah rallied his brethren there, and they “set their hands to this good work.” Nehemiah lists 42 groups of people, who, one group next to the other, rebuilt sections of the wall. 

They fought their enemies, but returned to the wall, “everyone to his own work … with one hand they worked at construction, and with the other held a weapon.” When enemies wanted to meet with Nehemiah, he said, “I am doing a great work, so that I cannot come down.” Nehemiah’s workers repaired all the walls and gates. (Quotes from NKJV)

Writer’s Job

Eva Marie Everson had us (400 writers) line up around the perimeter of the large conference room. I paraphrase what I heard her telling us: “The Church is a mess. We writers need to take our place on the wall and help rebuild the Church through our works. We are not to work on someone else’s section, but ‘everyone to his own work.’”

Standing next to writers on my left and right and viewing our huge wall of writers, I wanted to work on my tiny section of rebuilding the Church through my writing, teaching, and speaking. 

Cupbearers to the King

Eva Marie emphasized this quote from Nehemiah, “I was the cupbearer to the king.” This particularly struck me. Aren’t we all cupbearers to the King? 

What do we bring to the King of Kings and Lord of Lords in our cups?

  • Complaints about how things are going for us?
  • Our earthy desires?
  • Grudges against God’s ways?
  • Deformed, blighted fruit because we’re working on what we want to do?
  • Unrepented sins?

Wouldn’t wine made from these ingredients taste harshly sour and bitter to our King?

Or, are the cups we bear to our King overflowing with:

  • Praise, worship, and giving glory?
  • Fruit from the “talents” He gave us to increase and heal his Church?
  • Fruit of the Spirit – kindness, goodness, patience, joy, peace, love, gentleness, faithfulness, and self-control?
  • Intercessory prayers? 
  • Our continuous commitment to the King and His commands? 

Wouldn’t wine made from these ingredients taste delightfully sweet and zesty to our King?

I believe that as we seek and obey our King, He equips us with courage, boldness, confidence, humility, and wisdom. With these driving us, we can fill the cup we bear with good wine—our hard, God-directed work in serving His Church. 

As a cupbearer to the King, with what will you fill the cup you deliver to the King?


About the Author
Zoe M. McCarthy
Zoe M. McCarthy believes the little known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is: Distraction to Attraction, Magnetic Romances Between Opposites. Christian Fiction Online Magazine published two of her short stories. Zoe self-published two books of contemporary Christian short stories. She’s a member of American Christian Fiction Writers. She enjoys leading workshops on the craft of writing; speaking about her faith; planning fun events for her 5 grandchildren; and exploring the Blue Ridge Mountains, where she lives with her husband, John.

Learn more about Zoe M. McCarthy at her website: http://zoemmccarthy.com

Calculated Risk
Calculated Risk
by Zoe M. McCarthy

What happens when an analytical numbers man meets a mercurial marketing Rep? Romance is a calculated risk…

Jilted by the latest of her father’s choices of “real men,” Cisney Baldwin rashly accepts an invitation to spend Thanksgiving weekend with a sympathetic colleague and his family. Nick LeCrone is a man too much her opposite to interest her and too mild-mannered to make her overbearing father’s “list.” Now, Cisney fears Nick wants to take advantage of her vulnerable state over the holiday. Boy, is she wrong.

Nick wants little to do with Cisney. She drives him crazy with all her sticky notes and quirks. He extended an invitation because he felt sorry for her. Now he’s stuck, and to make matters worse, his family thinks she’s his perfect match. He’ll do what he can to keep his distance, but there’s just one problem—he’s starting to believe Cisney’s magnetism is stronger than he can resist.

Purchase links for Calculated Risk: http://zoemmccarthy.com/books


Tuesday, May 17, 2016

13 Essential Activities to Successfully Attack a Big Problem by Zoe M. McCarthy


Zoe M. McCarthy
In 1 Samuel 13 and 14, Saul’s son Jonathan shows us how to attack a big problem.

Here are 13 essential activities (verses in italics from the NIV):

1. Identify my problem. I’m specific in details.

Jonathan’s big problem:

  • Israel had become a stench to the Philistines.
  • The Philistines were ready to fight the Israelites.
  • Saul had only 600 men to the Philistine’s 6000.
  • Israelites were poorly armed; only Saul and Jonathan owned swords.
2. Face my problem. Boldly. I don’t put off dealing with it.

Jonathan said to his young armor-bearer, “Come, let’s go over to the Philistine outpost on the other side.”

3. Realize challenges will arise. They’re a sure thing. I’m alert and ready to deal with obstacles.

On each side of the pass that Jonathan intended to cross to reach the Philistine outpost was a cliff where Philistines were posted.

4. Recognize God is my essential resource. He’s the one who will give me success.
Image by AlejandroFaletti

Jonathan said to his armor-bearer, “Perhaps the Lord will act in our behalf.”

5. Believe in God’s power. He can do anything.

Jonathan then said to his armor-bearer, “Nothing can hinder the Lord from saving, whether by many or few.”

6. Know my role. Am I a loyal follower, or a loyal leader?

Leader: Jonathan led his armor-bearer. “Come, let’s go over to the outpost of those uncircumcised men.”

Follower: “Do all that you have in mind, “his armor-bearer said, “Go ahead; I’m with you heart and soul.”

7. Make sure my actions are God’s will. I seek God before I act.

Jonathan set up a method to know God’s will. He said:

“Come on, then; we will cross over toward the men and let them see us. If they say to us, ‘Wait there until we come to you,’ we will stay where we are and not go up to them. But if they say, ‘Come up to us,’ we will climb up, because that will be our sign that the Lord has given them into our hands.”

8. Present myself for service. I courageously step out of my comfort zone.

So both men showed themselves to the Philistine outpost above them.

9. Proceed in complete trust. If God has called me, He’ll equip me.

The men of the outpost shouted to Jonathan and his armor-bearer, “Come up to us and we’ll teach you a lesson.”

So Jonathan said to his armor-bearer, “Climb up after me; the Lord has given them into the hand of Israel.”

10. Perform the hard prep work. I attack the obstacles in my way, moving forward and refusing to give up.

Jonathan climbed up, using his hands and feet, his armor-bearer right behind him.

11. Carry through with vital activities that solve the problem. I do what is right and necessary according to God’s will.

The Philistines fell before Jonathan, and his armor-bearer followed and killed behind him.

12. Recognize success. God’s definition, not mine. GOD + me = Success

In that first attack, Jonathan and his armor-bearer killed some twenty men in an area of about half an acre.

13. Praise and thank God. I give God credit for giving me success.

Two men killed 2o enemies with one sword. Without God, we’d see this success only in the movies.

What vital activity have you failed to do while you’ve attacked a big problem?

13 activities to perform to succeed in solving a big problem. Click to tweet.


About the Author

Zoe M. McCarthy believes the little known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is: Distraction to Attraction, Magnetic Romances Between Opposites. Christian Fiction Online Magazine published two of her short stories. Zoe self-published two books of contemporary Christian short stories. She’s a member of American Christian Fiction Writers. She enjoys leading workshops on the craft of writing; speaking about her faith; planning fun events for her 5 grandchildren; and exploring the Blue Ridge Mountains, where she lives with her husband, John.
Learn more about Zoe M. McCarthy at her website: http://zoemmccarthy.com.

Calculated Risk
by Zoe M. McCarthy
Calculated Risk

What happens when an analytical numbers man meets a mercurial marketing Rep? Romance is a calculated risk…

Jilted by the latest of her father’s choices of “real men,” Cisney Baldwin rashly accepts an invitation to spend Thanksgiving weekend with a sympathetic colleague and his family. Nick LeCrone is a man too much her opposite to interest her and too mild-mannered to make her overbearing father’s “list.” Now, Cisney fears Nick wants to take advantage of her vulnerable state over the holiday. Boy, is she wrong.

Nick wants little to do with Cisney. She drives him crazy with all her sticky notes and quirks. He extended an invitation because he felt sorry for her. Now he’s stuck, and to make matters worse, his family thinks she’s his perfect match. He’ll do what he can to keep his distance, but there’s just one problem—he’s starting to believe Cisney’s magnetism is stronger than he can resist.

Purchase links for Calculated Risk: http://zoemmccarthy.com/books

Tuesday, April 19, 2016

Know How to Handle Adversity for Your Reader’s Sake by Zoe M. McCarthy

Zoe M. McCarthy
We writers are told to write what we know. I think most writers understand adversity within the writing profession. We find ourselves:
  • learning a difficult craft,
  • bearing rejections from publishers after months of work,
  • swallowing criticism from critique partners, beta readers, and reviewers,
  • trying to build a platform when we barely know what it is,
  • marketing books when all we want to do is write,
  • feeling helpless when we lose sales because of online snafus,
  • fearing synopses and pitches of our stories…
And the list goes on.

Many writers also know personal adversities, such as illnesses. Our experience in hardships can add genuineness to our characters’ reactions and feelings in their disasters.

The other side to understanding our adversities is knowing how to handle our tough times. I think most of us would like to bring a healthy genuineness to the overcoming side of our characters’ journeys.

image by johnhain


Knowing positive ways to handle adversity helps writers offer readers something beneficial through characters’ journeys.
By the end of our stories, we can show how our characters have learned to handle adversity in ways they couldn’t in the beginning.

Here are possible questions we writers can ask ourselves to help us learn to deal with adversity in the best way—for the sake of our readers.

Our characters won’t do all these things, but they could learn to do the ones that have helped us — the ones we know and understand.


  1. Do I seek God daily in all things?
  2. Do I ask for forgiveness as soon as God convicts me of a sinful attitude?
  3. Do I praise, thank, and worship the Lord often during my day?
  4. Do I study God’s Word, believe it, and follow the Lord’s commands?
  5. Do I trust God and wait patiently for what He deems best for me?
  6. Do I look for the oportunites, changes, and relationships God is orchestrating in my life?
  7. Do I use my suffering for my personal growth and to help others?
  8. Do I refuse to listen to Satan’s temptations and discouragements?
  9. Do I recognize when I’m causing my own problems?
  10. Do I access the power God awards me through the Holy Spirit? 
  11. Do I stop what I’m doing and ask God to help me with specific problems?
  12. Do I welcome criticism for what can help me grow, and ignore what is unhelpful?
  13. Do I embrace God as my co-author, seeking him as I brainstorm, write, and deal with the business end of the industry?
  14. Do I pay forward the help given me from more experienced authors?

What are other questions we could ask ourselves in developing positive, godly attitudes in dealing with adversities?

To write genuine character growth, ask yourself these personal questions. Click to tweet.

Zoe M. McCarthy believes the little known fact that opposites distract. Thus, she spins Christian contemporary romances entangling extreme opposites. Her tagline is: Distraction to Attraction, Magnetic Romances Between Opposites. Christian Fiction Online Magazine published two of her short stories. Zoe self-published two books of contemporary Christian short stories. She’s a member of American Christian Fiction Writers. She enjoys leading workshops on the craft of writing; speaking about her faith; planning fun events for her 5 grandchildren; and exploring the Blue Ridge Mountains, where she lives with her husband, John.

Learn more about Zoe M. McCarthy at her website: http://zoemmccarthy.com

Calculated Risk
by Zoe M. McCarthy
Calculated Risk

What happens when an analytical numbers man meets a mercurial marketing Rep? Romance is a calculated risk…

Jilted by the latest of her father’s choices of “real men,” Cisney Baldwin rashly accepts an invitation to spend Thanksgiving weekend with a sympathetic colleague and his family. Nick LeCrone is a man too much her opposite to interest her and too mild-mannered to make her overbearing father’s “list.” Now, Cisney fears Nick wants to take advantage of her vulnerable state over the holiday. Boy, is she wrong.

Nick wants little to do with Cisney. She drives him crazy with all her sticky notes and quirks. He extended an invitation because he felt sorry for her. Now he’s stuck, and to make matters worse, his family thinks she’s his perfect match. He’ll do what he can to keep his distance, but there’s just one problem—he’s starting to believe Cisney’s magnetism is stronger than he can resist.

Purchase links for Calculated Risk: http://zoemmccarthy.com/books