renowned speaker jeff lanza, an expert in fraud, cyber crime, and identity theft. >> jeff, thanks for being here. >> you're welcome. >> you know, 10 years ago, i didn't even think about identity tht, but then, unfortunately, i became a victim. and now we hear that it's the fastest growing crime in america. why is that? >> a couple of reasons why it's the fastest growing cre in america -- number one, it's easy to commit, and the bad guys know at. the second reason is, it's very lucrative. so once they get your information, especially your social security number, then it's easy to convert that into cash, to monetize that information. and once that happens, the victim is left with a lot of problems. >> i think most people think if they have a problem, their bank or credit card company will just take care of it for them, right? >> well, it depends on what the problem is. if the problem is credit card fraud, someone used your existing credit card number or cloned your card, yeah, the bank will take care of that. but that's just one part of the problem of identity theft. there's a much broader problem, and that is when someone steals

they've got your i.d., they've got your social security number, they apply for these accounts in your name. you don't even know it's happening. you may not figure it out until you get a call from a bill collector, a credit card company that says you're past due on a credit card that you don't even know you had. >> so when you're on your own, you're kind of just blind that this is happening 'cause there's no one out there looking out for you. >> that's exactly right. you know, we have our jobs, we have our family, we have our life. do you want to take hours out of your day, maybe for days and weeks at a time, to try to figure out how to correct the problems that the identity thief caused? if you were gonna do all that, i don't know how much time it would take or even where you would begin to do that. you don't have the technology to do that. >> so, in general, the advice you would give -- what can we do to protect ourselves? >> the earlier identity theft gets detected, the sooner you can address the issues and stop it from getting worse, and that's where lifelock comes in. they deal with this every day. >> when jennifer learned a fraudulent account was opened in her name, she thought she could easily deal with it on her own. >> so here i am trying to call

jennifer, and they just don't believe me. i probably talked to six or seven people. each time i'd have to repeat my story. "i did not sign up for this credit card. i don't owe you any money." that person says, "well, i can't help you, but let me tnsfer you to this person," and it's just so aggravating. it's like, "just send me to the right person." i almost got to the point where i was like, "let me pay for this 00 and just close the account and let's be done," but the thing is, there were other credit cards out there. you just don't know how deep it goes. when my lifelock agent got involved, somehow she knew exactly who to talk to. i never figured out that, but she knew exactly who to talk to. and she helped me take care of it. >> we work, shop, even pay bills almost anywhere. it's great, buit can also make us more vulnerable to identity theft. jim ickley is paid to think like a hacker. he's been featured on investigative reports revealing where we're the most vulnerable to cyber crime. >> no one thinks they're gonna

but check this out. in a caf\ like this, you know, pele have this idea that they're safe when they're online. they feel it's being provided by the lol caf\ here, so it should be safe. the reality is, though, that something like this -- this is a wi-fi device -- can be brought to a local caf\, set up right here in front of people without them even knowing it, and instead of them connecting to the wi-fi in the organization, they'll be connecting to this wi-fi device instead. what if they type in login credentials? i've got them. if they type in a password, i've got it. if they type in credit card information,'ll get that, as well. all of this information can be captured by the criminal, and then they can use that information to commit identity theft. i do these scams to show people what's going on out there. criminals are continually finding new ways to rip people off. and the bottom line is, you need somebody in your court. that's why lifelock makes so much sense. >> these real lifelock members all volunteered to share their experience in this show. stay tuned to hear more true stories, learn more about how identity thieves work, and find

protect your identity. >> announcer: identity theft is the fastest growing crime in america. are you at risk? you could be if you bank or shop online, have health insurance or fill out medical forms, if you have a smartphone or use public wi-fi, even if you file your taxes online. no matter how careful you are, your social security number and your other personal information is out there out of your control. just detecting the probl is not enough. how do you resolve an issue if you have one? >> i signed up for lifelock. we have someone in our corner to help fight that ght. >> announcer: a lifelock membership means you have a whole teamf lifelock identity-protection agents ready to answer your questions, resolve identity-theft problems, and to keep watch for threats to your identity by monitoring more than a trillion data points a day. that's why millions of people have become members of lifelock. it's the best identity-theft

the minute you become a lifelock member, you have exclusive members-only protection services, including 24/7 access to u.s.-based identity-protection agents, real people with experience and identity-protection knowledge to answer your questions, proprietary lifelock identity monitoring with a technology that detects threats to your identity, plus dedicated lifelock restoration specialists to immediately get on the case if your identity is ever stolen and to work with you to set things right, all backed by our $1 million total service guarantee. >> every lifelock membership comes with a $1 million total service guarantee. that means if your identity is ever stolen, lifelock will spend up to $1 million on experts to help set things right. >> announcer: lifelock memberships start at only $9.99 per month. and listen to this. through this special tv offer, when you call right now, you can get your first month free. you'll get 24/7 access to

agents, proprietary lifelock identity monitoring, dedicated lifelock restoration specialists, the $1 million total service guarantee, and so much more. >> i feel like not having lifelock is kind of like not wearing a seatbelt in a car. why would you do it? >> announcer: join in minutes. protection starts immediately. use promo code "free" to get the first month of your lifelock membership free. as an extra bonus, call right now and get this document shredder -- a $29 value -- as our gift. so don't wait until someone uses your identity for their benefit. get your first month free when you become a member today. with memberships starting at only $9.99 per month, there is a plan for everyone. >> with lifelock, i wanted to have somebody on my side who was helping us be proactive and prott our identity. >> announcer: or visit golifelock.c. use promo code "free" to get your first month free, and a

membership. join now. protection starts in minutes. >> so, you might think that your credit card is safe if it never leaves your sight, but the reality is, in the wrong hands, all it tak is a second for it to be stolen. that'll be $7.49. >> great. >> skimming is when a criminal will take your credit card and they'll run it through a device... so, this is how easy it is to skim this card. sorry about that. ...and then that device is gonna record everything that was on your card. they can then use that information to go out and shop online or even make their own credit cards to make purchases in the next store they go to. i do these scams to show people what's going on out there. criminals are continually finding new ways to rip people off. >> it's something that's out of control. i can't protect my identity all the time with everything that i do. bad people are gonna get your information whether you want them to or not. i have really a teammate in

keeping an eye out for things, things that i couldn't do myself, and having them on my side, and it really is that [sighs] i can just relax and take one worry off my plate. >> the technology behind cyber crime is extensive, but what aboulifelock's technology to protect you? well, dr. stephen coggeshall, lifelock's chief analytics and science officer, is here to explain how lifelock's prrietary technology is helping fight identity fraud. dr. coggeshall, thanks for being here. >> my pleasure. >> tell me about lifelock's proprietary technology. >> well, we do a variety of things. and what we do is really cool. we go to our more than a trillion data elements in our data bank. we'll look at all the other things it's connected to in the world, all the other applications we see, we look at what's going on at the address, has anybody else used that social security number, is there something strange about that e-mail? and we gather all that information together and put it through some pretty complicated mathematical formulas, and we come up with a probability score, the likelihood that that's a fraud attempt. >> and then you alert me as a

something out of the ordinary? >> that's correct. if a member gets an alert, they have the opportunity to say, "oh, yeah, that's me." but if it's not them, if they're sitting home watching tv and they get one of these alerts, they can press a button and contact lifelock, and we start the process of shutting that fraud attempt down. lifelock started from the very beginning specifically to protect our members from identity fraud. that's our reason for existence. >> my cellphone goes off at just past 6:00 a.m. and it's a text alert from lifelock. someone attempted to use my name and social security number to open a credit card. they filled out an application online with a $10,000 limit. lifelock caught it, notified me, and we were able to stop that credit card from ever being issued because we caught it early enough in the processing phase. when your identity's been stolen, you want a knowledgeable, trusted friend on youride to get you out of the mess, and this is the big difference between monitoring your own credit and lifelock.

have a whole team of identity-protection agents ready to watch for threats to your identity, to answer your questions, and to help resolve identity-theft problems. lifelock members like me get a dedicated agent based right here in the u.s. to help resolve any threats to your identity. meet identity-protection agents daniel, pua, and sarah. they're part of a team of agents who address identity threats and help lifelock members if an identity theft occurs. what happens when a member gets an alert? i mean, when do you get involved, and how does that work? >> once our members notifys that it was not them, that they believe it's identity theft, is when we get arted. then you'll speak to somebody like me, and i'll call you and i'll assist you through the whole process. >> we know who to call, what documents are needed, and we get it done ch quicker than a member ever could on their own. >> i know the questions to ask, i know the people to talto, i know the numbers to call, and i can make it just so much easier for you. and i'm also willing to stay on hold for you if you need. >> wait a minute. say that again? >> yeah, i'm willing to stay on hold as long as it takes on your

>> 'cause that is the worst part -- staying on hold. >> it is. [ chuckles ] but i'm happy to do it. >> you're happy to do it? >> yes. i am. >> now, sarah, i know that you are a veteran. you, i assume, work with a lot of veterans and people in the armed services. >> i do. up until a couple years ago, social security number was on identification cards. it's sad that people fighting for our country have to worry about that, but we are more than happy to help and see them through it, to carry the burden, and that way they can focus on the mission, and that's why i love what we do. >> and when you go home, sarah, at the end of the day, what makes you say,that was a good day"? >> i love when i close a case. i love it. and every time i close one and i can't wait to call my member, it reallys just gratifying knowing that taking the burden and helping them through the process and being able to make that phone call, "hey, your case is closed" is priceless.

>> what's impressed me most about lifelock is they're also gonna be there to help you afterwards if something happens. the credit monitoring agencies, they're just gonna go, "no, you had an issue. it's on you." whereas lifelock says, "let us help you." >> every single time the lifelock agent, if we've had to stay on the phone too long with the other company, the agent will always say, "let me take this, angela. i'll call you back when i get them back." and i just feel like they respected my time and me. >> they know everything that there's no way i could know. i don't have to think about, "how do i fix this?" i turn it over to lifelock, and they'lhelp me. >> announcer: identity theft is the fastest growing crime in america. are you at risk? you could be if you bank or shop online, have health insurance or fill out medical forms, if you have a smartphonor use public wi-fi, even if you file your taxes online. no matter how careful you are, your social security number and your other personal information

just detecting the problem is not enough. how do you resolve an issue if you have one? >> i signed up for lifelock. we have someone in our corner to help fight that fight. >> announcer: a lifelock membership means you have a whole team of lifelock identity-protection agents ready to answer your questions, resolve identity-theft problems, and to keep watch for threats to your identity by monitoring more than a trillion data points a day. that's why millions of people have become members of lifelock. it's the best identity-theft protection available the minute you become a lifelock member, you have exclusive members-only protection services, including 24/7 access to u.s.-based identity-protection agents, real people with experience and identity-protection knowledge to answer your questions, proprietary lifelock identity monitoring with a technology that detects threats to your identity, plus dedicated lifelock restoration specialists to immediately get on the case if your identy is ever stolen

things right, all backed by our $1 million total service guarantee. >> every lifelock membership comes with a $1 million total service guarantee. that means if your identity is ever stolen, lifelock will spend up to $1 million on experts to help set things right. >> announcer: lifelock memberships start at only .99 per month. and listen to this. through this special tv offer, when you call right now, you can get your first month free. you'll get 24/7 access to u.s.-based identity-protection agents, proprietary lifelock identity monitoring, dedicated felock restoration specialists, the $1 million total service guarantee, and so much more. >> i feel like not having lifelock is kind of like not wearing a seatbelt in a car. why would you do it? >> announcer: join in minutes. prottion starts immediately. use promo code "free" to get the first month of your lifelock membership free. as an extra bonus, call right now and get this document shredder -- a $29 value -- as

so don't wait until someone uses your identity for their benefit. get your first month free when you become a member today. with memberships starting at only $9.99 per month, there is a plan for everyone. >> with lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. >> announcer: or visit golifelock.com. use promo code "free" to get your first month free, and a free shredder with annual membership. join now. protection starts in minutes. >> it was a very empowering experience for me to have lifelock on my side. >> they're helping protect my accounts and my social security number. >> lifelock made it so i can go back to my life. >> i feel safe. lifelock's there. >> i don't need to worry about this now. >> we work, shop, even pay bills almost anywhere.

us more vulnerable to identity theft. jim stickley is paid to think like a hacker. he's been featured on investigative reports revealing where we're the most vulnerable to cyber crime. >> no one thinks they're gonna fall victim to identity theft, but check this out. in a caf\ like this, you know, people have this idea that they're safe when they're online. they feel it's being provided by the local caf\ here, so it should be safe. the reality is, though, that something like this -- this is a wi-fi device -- can be brought to a local caf\, set up right here in front of people without them even knowing it, and instead of them coecting to the wi-fi in the organization, they'll be connecting to this wi-fi device instead. what if they type in login credentials? i've got them. if they type in a password, i've got it. if they type in credit card information, i'll get that, as well. all of this information can be captured by the criminal, and then they can use that information to commit identity theft. i do these scams to show people what's going on out there. criminals are continually finding new ways to rip people off.

somebody in your court. that's why lifelock makes so much sense. >> these real lifelock members all volunteered to share their experience in this show. stay tuned to hear more true stories, learn more about how identity thieves work, and find out how lifelock can help protect your identity. >> nearly 50% of american adults have been affected by data breaches. if you're notified of a breach, you're nearly 6 times more likely to be a victim of identity fraud than those who are not notified. and once your information is out there, it's out of your control. that's why you need protection. >> you know, i've always heard of these data breaches at retailers. you always think it doesn't happen to you. and it did. my information, as well as that of many others, had been breached during a christmas retailer. and that's when i said, "i have to protect my family." i called lifelock. it was so simple, and i actually was kicking myself that i didn't do it earlier.

the ding, knowing there's an alert. lifelock makes me feel safe knowing someone is concerned about my future and that of my children. >> you know, jeff, last time i was part of a data breach, i got this letter, and they offered me identity-theft protection. i mean, what do you think about that from the company that just got breached? >> well, by the time you got the letter, it's already days or weeks have gone by since the company even realized it happened, and they don't usually realize it's happened until we after the breach has occurred. so the point is, it's too late. i mean, you've already had your information out there. it could already be a big problem. e point of identity-theft protection is being proactive. that's what lifelock does. it helps you figure out if someone's trying to steal your identity, and then if it does happen, they help to resolve it. >> i went to the doctor, and they told me -- i got a letter that there was a breach and that my information may have been compromised. i was very relieved that i had already signed up for lifelock.

criminals will do. they'll buy an 800 phone number, which will actually forward to their cellphone, and then they'll call up and leave a voicemail to you telling you there's a problem with your banking account. they'll leave that 800 number in hopes that you'll call them back. so you should have received a security i.d. when you got your voicemail. so, once they answer the phone, the first thing they're gonna want to do is they're gonna want to verify that you are who you say you are. for security purposes, i just need to verify your social security number. people are very used to that, so they'll say, "sure, my social security number is" whatever it is, and just like that, they have that before people even have a chance to think, "maybe i shouldn't have given that out." yeah, no problem at all. you have a great day. thank you. bye-bye. and just like that, we have her social security number. >> protecting your identity is a smart financial move. personal finance expert, best-selling author, and journalist lynnette khalfani-cox helps her clients with their financial portfolios. here's what she had to say about identity-theft protection. >> you might be doing a lot of things right. you might be saving, planning

all of those things are great. but if you haven't taken time to protect yourself against the risks that are out there, the very real risk of identity theft, then you haven't really secured your family's finances in a way that's smart. identity theft is a threat to your financial wellbeing because it not only affects your credit rating and impacts your ability to get loans, it could also hamper you in everyday life, and doing things like renting an apartment, getting a mortgage, or even getting a job that you might need. the peop who get financial help for any aspect of their lives, whether it's taxes, whether it's managing credit card debt, whether it's planning for retirement, they aually tend to do a lot better in reaching their goals, and likewise, the people who have expert help to deal with the problem of identity theft, those folks also fare so much better because they have a team of experts who know the groundwork, who know what to do in a way that the typical person just doesn't know.

potential identity-theft problems, and that early alert is crucial because you can take action and do something immediately to prevent the problem from getting worse. >> i've been a lifelock member now since 2008, and i can't imagine being without lifelock any more than i can imagine racing down a highway without a seatbelt. mean, if somebody breaks into your house, you can get a new lock. if your car is stolen, you can get a new car. but you only have one identity. you're not gonna bable to replace it. so protect it with the best. when your identity is stolen, you just feel so violated and justo helpless. but knowing that you have lifelock, it just -- you have this whole team of people on your side, and you know that you don't have to go it alone. >> we feel protected, and we feel like there's almost like a blanket of security around us. >> it's just really great to know that they are there and we can call on them whenever we need it. >> i would compare lifelock to

walking side by side with you on the first day of school so that everyone knows "don't mess wit him." >> choosing lifelock to protect our identity was one of the best decisions we've ever made. >> this is financial protection that you can't afford not to have. it's kind of like the people who say to me, "uh, i'm too cash-strapped and i can't afford to save." i say, "you can't afford not to save." likewise, you can't afford not to protect your credit health and your identity. >> the value of lifelock to me -- it's priceless. what's the value of your credit? what's the value of your family's credit? >> i've been attacked seven times since 2011. and each time, lifelock was there to help me. i'm gonna be a lifelock member for life. >> what is more important than making sure the only you out there is you? >> announcer: identity theft is the fastest growing crime in america.

you could be if you bank or shop online, have health insurance or fill out medical forms, if you have a smartphone or use public wi-fi, even if youile your taxes online. no matter how careful you are, your social security number and your other personal information is out there out of your control. just detecting the problem is not enough. how do you resolve an issue if you have one? >> i signed up for lifelock. we have someone in our corner to help fight that fight. >> announcer: a lifelock membership means you have a whole team of lifelock identity-protection agents ready to answer your questions, resolve identity-theft problems, and to keep watch for threats to your identity by monitoring more than a trillion data points a day. that's why millions of people have become members of lifelock. it's the best identity-theft protection available. the minute you become a lifelock member, you have exclusive members-only protection services, including 24/7 access to u.s.-based identity-protection agents,

identity-protection knowledge to answer your questions, proprietary lifelock identity monitoring with a technology that detects threa to your identity, plus dedicated lifelock restoration specialists to immediately get on the case if your identity is ever stolen and to work with y to set things right, all backed by our $1 million total service guarantee. >> every lifelock membership comes with a $1 million total service guarantee. that means if your identity is ever stolen, lifelock will spend up to $1 million on experts to help set things right. >> announcer: lifelock memberships start at only $9.99 per month. and listen to this. through this special tv offer, when you call right now, you c get your first month free. you'll get 24/7 access to u.s.-based identity-protection agents, proprietary lifelock identity monitoring, dedicated lifelock restoration specialists, the $1 million total service guarantee, and so much more. >> i feel like not having

wearing a seatbelt in a car. why would you do it? >> announcer: join in minutes. protection starts immediately. use promo code "free" to get t first month of your lifelock membership free. as an extra bonus, call right now and get this document shredder -- a $29 value -- as our gift. so don't wait until someone uses your identity for their benefit. get your first month free when you become a member today. with memberships starting at only $9.99 per month, there is a plan for everyone. >> with lifelock, i wanted to have somebody on my side who was helping us be proactive and protect our identity. >> announcer: or visit golifelock.com. use promo code "free" to get your first month free, and a free shredder with annual membership. join now.

yeah (rock music) all i know is what i've been sold you can read my life like a fortune told and courage built, man i won't let go what we need right now is ...soul (rock music) you can't do this, you can't deny they feed us lines, but i won't act and all good things will come to pass but the truth is all you have to have and would you lie for it?

die for it? would you? i believe believe we're still worth the fight yoll see there's hope for this world tonight i believe, i believe yeah >> we decided to sow seein the time of famine. and look what god did for us. >> all god wants is your obedience. so once you sow that seed, expect god to perform his word for you. >> utterly lost on the importance of sowing in faith for miracles. >> as a result of me planting that seed that night, god sustained me.

host, david cerullo. >> thank you for joining us today. we have a very special program today and a very special guest. with all my heart i believe that before today's program is over your life will never ever be the sa again. i believe it. get ready for god to do something special foyou today. if you are looking for a deeper, more intimate, more powerful life-changing relaonship with god, stay tuned. if you're looking for direction in your life, if you have a problem that you're facing, if you're asking god what should i do, stay tuned. if you're looking for physical healing today and you need the mirac will-wking power of god to be released in your body, stay tuned. if you're facing a financial challenge, if your needs seem to be overwhelming and you

before, stay tuned. you might be saying david, how will we cover that in one program? well, a few weeks ago i met a man for the first time who i've known about for many years, mike murdock. he's written over 113 books and authored 5000 songs, but god has put a tremendous anointing upon his life to share keys of wisdom with god's people. mike put a book in my hand that has begun to change my life and i believe it will change your life, too. it is called "the three most important things in your life" it is not a book i could pick up and put down. i read it through coveto cover. i promise you it is not a book you will be able to pick up and put down. you will need to read it over and over again to abrb the wisdom god has given mike murdock to you. next to the bible, next to the

pages, i receiv more wisdom from god to give me the keys to success in these few pages than any other book i've ever read. i promise you it is changing my life and will change your life, too. i believe before todas program is over, your life will never ever be the same again. i asked brother murdock to come to insp and to bring with him an important message. i know god has laid upon his life for us that can unlock heaven for you in our relationsh to god, in our positive bodies, in our finances, in our relationships, in every need that we face there are keys that god has given us to unlock and we welcome all of you who welcome with me today on "changing the world," brother mike murdock. would you welcome him with me? >> just you and me tonight. i know the holospirit is here

with a message and word from him tonight. >> i know, you know there is special. i felt today is one of them. i will say, i read sometime ago, brother david, if you take the all right "u" out of the alphabet, you lose 3000 words out of your vocabulary. you can bring your rolls royce, remove one tire and nothing else works. you can be doing 10 things right the 11th thing you are not doing destroys the benefit of the 10 you are doing right it is nohow many things you are doing right, but the thing you are missing that makes a difference. the seven wisdom keys and i urge you in a few moments, i will give you seven key that is have greatly affected my life and share with you some keys, one businessman got

to be sharing with you. it so affected his life that in 14 days he sent me a check for $35,000 in appreciation for the teriol. >> wow. >> it so affected his life. the youngest bishop of the mormon church in salt lake city, utah got ahold of this material we will be sharing and it so affected him he called me. he wrote me and sent a check for $10,000 thanking me for making the material. i never heard of such a thing. that is how it changes you. you don't need a lot of keys to get in your car, just the right key. >> there is a lot of right keys in this book that will change your life. take your liberty and let the lord use you and speak through you and i know he will. >> thank you. good to be here. you know i will say this at

doesn't take god long to be something big. small keys open bank vaults. do one thing right and a thousand good things happen. if a few terrorists can cause such radical changes, i know today i was leaving orlando and i preached this weekend in orlando. i was coming through security and they check everything and look at my fountain pens like they are dangerous instruments. they take off your boots and everything like you almost feel guilty when you hadn't done anything by the way they search you. but a handful of men knocked down three buildings and they have rewritten the entire earth. everything changed. if a few evil men doing something evil can create such change, a few righteous men doing something right can create change. if you were to ask me the most

day i would trade for every other day in my life, the first thing i'd tell you is july 13th, wednesday morning, 1994, the day i fell in love with the holy spirit, the person who created me. he's called the spirit of adoption, romans and john, spirit of life, job 33 and 4, he created humans job 26:13. he's lled spirit of knowledge in isaiah. called the spirit of wisdom, wisdom, wisdom, the difference between season system your wisdom. the difference between prosperity and poverty is wisdom. i can't change your life until i change what you know. there is three belief systems on the earth, one says god is in control of everything that happens which means everything that happen system planned by god. we know that is not true.

if everything was done by god. some people think faith is in control. people wouldn't live today if satan was in control. 331 times in scriptures he documents this, "if you are willing and obedient," isaiah 1:19, "my decisions have created my circumstances. i want to say something, you will never have a marriage problem your entire life. it will simply be a wisdom problem. you will never have a financial problem, it will be a wisdom problem. and the moment that you can understand the only difference between where i am and where i want to be is a piece of wisdom. you can change your life. i wrote this love song to him, the one who created us. there is nobody.

like you. there is nobody. there is nobody like you. >> sweet holy spirit. sweet holy spirit. there is nobody, there is nobody like you. nobody else, holy spirit, does what you do. nobody else, holy spirit, does

nobody else can ever take your place. turn my life around through saving grace. nobody else, holy spirit, nobody else, holy spirit, nobody else, holy spirit, does what you do. when i, in your presence, i change. i'm just not the same.

when i'm in your holy presence, i change. and i can't go back to yesterday. >> there is so many things, you know, god creates the seasons. god creates the seasons, but your discoveries schedule them. i would trade my ability to read and write for what i have discovered about the holy spirit. you can live a life time and not know a truth that can change you and set you free. the holy spirit is to us what jesus was to the 12. how important is the holy spirit? what peter did not become walking next to jesus for

became in a day when the holy spirit came. the holy spirit is the only person you have to obey your entire lifetime. i was talking to david before we came into your home a few moments ago and i told him something that was really big to me, just so big. i'm the kind when i make a discovery i go crazy with it, especially if it changes my life. the holy spirit is the only person in your life that you are capable of satisfying. nobody else has the software for it, the components for it. there is not another your life who has the ability to be contented with you. that is why there is such agitation, constant movement. the holy spirit is the only person you will ever meet and there is four or five reasons for that i have discovered. he is the only person in your life who knows what he wants.

accurately articulate what he wants. he is the only person in your life whose needs will never change or vary. the only person in your life who will never require something of you that you can produce. the holy spirit, who by the way decided all the gift that is have entered you, if you go back to exodus 35, even the craftsmanship skills, all your gifts, i don't care if it is just painting, playing the piano, all my gifts were installed in me by the holy spirit who is the gift of the father to us. he decides those gifts, get ahold of this. this is phenomenal when you see it. he is the only person who knows what is inside you. he will never try to squeeze out of you something you ain't got. takes a load off of you, don't it? other people will ask something you can't produce. they don't know what is

the holy spirit says, his commandments are not grieve us. i wrote this love song to him on a thursday night. >> i'm in love, i'm in love, i'm in love. i'm in love, i'm in love, i'm in love. sweet holo-- holy spirit, i'm in love. oh, i'm in love. i'm in love. i'm in love. i'm in love. i'm in love. i'm in love. sweet holy spirit, i'm in love. that's a little chorus. i have written 770 songs for the holy spirit. i'm building my life, building all my dreams around you. not around your family, not even around your job.

my ministry. i'm building my whole life. i'm building all my dreams around you. i want to spend all the rest of my days living in your presence, in the spirit ways, building my whole life, building all my dreams, holy spirit. around you. that's why that song means so much. when i'm in your presence, i change. his presence is the only place your weakness dies. where you are matters. what is around you determines what grows in you, weakness or strengths, gifts or weakness. fish require water, birds require air. i'm just not the same.

when i'm in your presence, holy spirit, i change. and i can't go back to yesterday. >> just before i go and share this with brother david, there is seven keys. i want you to take a pen, short pencil is better than a long memory. i want you to write down seven wisdom keys, seven wisdom keys. just need one key to get to the direction you want to go. they brought fish out to my house, laid them upon the grassy slope beside my pond and the fish sort of looked stupid, gasping and looking idiotic. one by one we dipped them into the water and their genius. >> if you are looking

flailing, you are not where you belong. if you are where you belong, your genius emerges. god puts something in you he didn't put in nobody else. he is a creator, never an imitator. there has never been a you before. we will talk about your assignment because everything created solves a problem. my mouth speaks. lawyers solve legal problems. cpas solve tax problems. dentists solve teeth problems. everything created solves a problem. that is your assignment. your assignment is always to a person or a people. your assignment is always to a place. because where you are matters as much as what you are. places that. is where he left nazareth. there is a place where you are accurate and perfect for the

your assignment is the only place financial provision is guaranteed by your crotor. money doesn't follow you, it is waiting for you at the place you belong. we'll get into that in a few moments. go get a pen and i'll go to the set with brother david. this is a day, if you have ever done something right, you are doing something right right now. i mean that with all my heart. then we will give you seven wisdom keys. nothing like his word, is there, brother david? >> there is not. brother murdock will be with us in just a moment as he is journeying from the piano to the set. i want you to get a pencil and get ready to write down seven wisdom keys that changed brother murdock's life. i believe they will change your life. i want you to mark your calendar for today, because i believe that from today forward your life, your life, your relationship with god, your finances, your physical body, your assignment in this

from this day forward is never going to be the same again. you are going to look back on the x you put to watch "changing the world," with brother mike murdock and david cerullo. got put seven keys of wisdom in my life that have changed my life. welcome brother murdock back to the mic. mike, how about sitting over here and getting close. >> i'm excited about this. >> i'm so excited to have you here. >> it is a privilege. >> i felt the spirit of god before we started the service. god is speaking to specific people, not everybody, not everybody has ears to hear. i believe there are people watching right now who have ears to hear. not everybody's life will get changed from this point forward, but there will be people who have ears to hear anointed by the holy spirit that from this day forward their life is never going to be the same again.

>> we don't have to make big changes to create a little reward. little changes create huge rewards. you don't have to make a big change, just the smallest change, just the smallest change. and it is just like it was incredible day in my life whe i found out that my decisions had created my circumances. if you think somebody else has created your circumstances you can become bitter, vindictive retalatory, but the moment you say, my decision have created my circumstances, i can change my decisions. the screpture that really is so big to me, proverbs 4:7, i live by it and teach from it everyday of my life. it is everything. it is quite simple, "wisdom is the principle thing." the reason he said that, everything else you want comes through wisdom. wisdom produces longevity.

wisdom produces wealth. everything we're pursuing is the product of wisdom. if you think you have a financial problem, you want to change your job. if you think you have a marriage problem, change your mate. when you recognize you have a wisdom problem you change your focus. that makes all the difference in the world. proverbs 4:7, wisdom is the principle thing. a lot of what i'm teaching is found in this book "the three most important things in your life," we will tell you about it later. i don't think there is another book in the world like it. it is a gold mine, discovers -- i can't tell you how important this book is, we want you to have it. i never teach everybody. i'm not called to everybody. and i'll tell you later why. i believe god has sent me to 300 people. 300 people. just like gideon had 300, i'm

if you are one of those, wonderful. if you're not, that is horrible and i wish you could be one of the 300. i want to give you seven wisdom keys that have greatly affected my life. the first one and i believe they will show it on the screen, what you can tolerate you cannot change. what you can tolerate you cannot change. and i hope they leave that up until i come to number two. if you live with 6000 an hour, you will never make 7. we only change when there is a threat of loss. endurance creates longevity. if you come to the wisdom center, our headquarters in denton, texas. you will see a picture of rosa parks. to me she is a champion. >> yes. >> when they told her, i don't know all the story, but she was suppose tod give up her seat to another guy.

>> white one on a bus 1955 or something like that. i don't know, rosa parks is my kind of champion. i just thank god for her. what is it about her? she wasn't going to tolerate that. that is when change started. today, you know, incredible season and we still got changes to go in america throughout the world on race. a lot of changes. but the fact is she stood up and said, no, i'm not going to take that. incredible. incredible to me. what you can tolerate you cannot change. if you can live with a husband that beats you, he won't quit. one woman came to me and said, my husband beat me for 20 years. i said obviously the damage occurred on the first beating when you stayed around for beating number two you qualified for the relationship. what you can tolerate you cannot change. you can only change when you

it is not enough to see canaan, you got to hate egypt. what you can tolerate financially, emotionay, spiritually, you cannot change. you must hate the present to qualify for a future. whatever you can adapt to, you have to. get ahold of that. i'm going to come back to that on another wisdom key. write this down. number two, what you respect, you will attract. not what you love, what you respect. i shared this a few weeks ago, what you respect you will attract. what you don't respect will move away from you. respect is different than love. to love something is to find it desirable. but to respect something is to find it valuable. you can only collect what you respect. >> you can only collect what you value. you will never collect something you don't value.

christ, we respect healing. we don't respect health, we respect healing. we will study healing books all night long. we will stand two hours in a healing line. we will stand outside a healing crusade for three hours, but we're not about to jog for 15 minutes. we don't respect health, we respect healing. we don't respect health, we've not been taught. see, what you respect will come toward you. thoughts have a presence. david, i can walk into a room and feel anger, i can feel love. i can walk in and feel confusion. because thoughts have a presence. >> uh-huh. sure. >> thoughts have a presence. i can walk into a room and thoughts repel orttract. everything you see was created by something you don't see. everything you see, this building, was created by something you don't see. somebody had a thought. have you ever seen it? no, you saw the results of it.

no, gases, all of the things in the air, i can get a cell phonhere, punch a number and call thousands of miles away. yet, there is nothing connected. there is something i'm not seeing. so somethinyou don't see is greater than something you do see. what you respect will come toward you. what you don't respect will move away from you. i can't sneer at a prosperity ministry and wonder why i stay broke. i can't laugh at someone who prays in the prayer language anwonder why the holy spirit doesn't come to my house. i was teaching a single's conference one time and explaining genesis 2:18. god says it is not good man be alone. adam never heard of a life, god could have given him a giraffe and he wouldn't have known the difference. a woman spoke up from the back and i was explaining everything god makes requires connection. got doesn't make anything complete. he is complete.

part. my mind needs thoughts. i was explaining adam required another. a woman spoke up from the back and said, some of us don' need a husband. i've been single 14 years and i don't need a man in my li. i looked at her for a few seconds and said, whatever, do your own seminars. never cry a watermelon in a pea brain. she came up afterwards and asked if she could talk to me. nobody ever asks me out, shock, shock. i looked at her and said two things. number one, you are not fun. men require pleasure. number two, it would be perverted for a man to pursue pain. and i said what you respect will come toward you, what you don't respect will move away from you. i don't care if it is god, a miracle or a dog. what you respect will come

whatever you don't have, is something you have not valued and get ahold of that. whatever is missing in your life is something you have not truly valued. how do you know if you respect something? how do you know if you don't respect it? if you are attempting to live without something you don't have high regard for it. i don't care if it is a financial planner and you are trying to live without one, you don't have a high regard. i love what warren buffet said, phenominal, 45 billion. i try to sit at the feet of men who are uncommon. he made a statement to nebraska students. he said basically that the habit of taking something out

it aside into a mutual fund or investment was more important than how much they took out of their weekly paycheck. something out of every paycheck. bill gates in his great book "business at the speed of thought," said he was trying to get a paperless office. i was inspired to study computers. i'm not a computer guy when i turn on one i want to be photograph me, viotape me. if i turn on a computer i want to be rewarded just for turning it on, you know. when i read where a man who is worth billions, the wealthiest man in america, had this insight, so what you respect, respect is the invisible attitude. got permits you to adopt, become equal with any human on the earth. i can make up in myatitude for

i can get anywhere i want to with respect. example. i could be born the son of a wealthy man. disrespecting my father's discoveries and mentorship plummet into poverty. there is a fantastic book called "the millionaire next door," somewhere in there he mentioned something about only two percent of inherited wealth ever becomes more. because you can rarely increase what you didn't birth. now watch this. but a george foreman, one of my favorite athletes, i could listen to george talk all day, any day he wants to. use tod tell his mom, read his bock, "by george." he has three. george used to tell his momma, momma someday i'm going to build you a nice home. his respect for a, achievers

today he is worth millions. whatever he lacked in intelligence or aitude, of course he is a very smart made, but he made up for in attitude. some of the geniuses of the world today are broke, 40 percent of the bankruptcies are involved. have you ever wondered why many of the poor, who work for the wealthy, stay broke? three reasons. you can't learn from someone you resent. you can't learn from someone you envy. you can only learn from someone you admire. this is one of the reasons why many nations who have receed billions from the united states and we are giving them, i think afghanistan needs 15 billion to rebuild. only us could blow up a nation and come back and say, now we are going to help you put it back together. i want to show you something here. this is very interesting.