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Do You Balance Your Checkbook?posted by Andrea | 10/27/2011
The other day, I was having a conversation with one of my friends and some how we got talking about my checkbook and that I had made a simple addition mistake that got everything out of whack.
Fortunately {since I check my online account and balance my checkbook at least once a week} I caught my error early on and could quickly go back and make the appropriate changes.
Yes, I do still use a paper checkbook register!
Even though I do almost ALL our banking electronically, automatically pay all our bills electronically, and rarely ever write paper checks, I'm still in the habit of regularly monitoring our different checking and savings accounts to make sure everything balances out. Maybe this is old fashioned, but you would not believe how many mistakes I've caught because of this!
However, as I was talking with my friend, it quickly became apparent that she didn't balance her checkbook… or even HAVE a checkbook register! She just relied on her online bank statement to be an accurate account of how much money she did or didn't have.
So that got me thinking…
- what if you write a big check or make a big payment but it takes a week or more to "clear" from your account… so you think you have more money than you actually do and run the risk of over-drawing your account?
- what if your bank makes a mistake — but you never catch it because you don't keep your own checkbook register balanced and up-to-date?
- what if someone gets ahold of your debit card or account number and steals some or all of your money — but you might not notice because you don't keep your own records?
- what if you get charged the wrong amount for something but didn't realize it because you threw your receipt away and never wrote it down in your own checkbook register?
I know I've caught mistakes and errors in the past — only because I had things accurately written down in my own checkbook register. However, my friend seemed to think it was not necessary to have her own checkbook register.
Why I Use a Checkbook Register:
- I feel like I'm more "in control" of my money and my spending
- I know exactly how much money is available to me at all times {and this is not necessarily the same amount as my online statement might show}
- I can more quickly and easily catch any mistakes that might have been made either by myself, by the bank, or by the company I purchased a product from.
- It's a great habit to get into and helps me stay on budget
Do You Balance Your Checkbook?
Am I the only "old-fashioned" person left who takes time each week to balance my checkbook registry and check for any issues?
What are some of the reasons you do {or do not} take the time to balance your checkbook?
Filed under: Life • Frugal Living
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34 comments
Hi Andrea- I was just searching your website to find out how you deal with monthly banking. So is this still how you keep track of what goes in and out of your accounts? Or do you use an online program?
I have a stack of seven years' worth of bank statements and I'm not sure WHAT to do with them! Ugh. But I know I need to do something, and I'm just trying to figure out what to do!
Thank you!
Andrea Reply:
February 9th, 2015 at 3:46 pm
Hi Melissa, Believe it or not, I'll actually be sharing more about this later this week! However, here's a summarized version…
Dave and I buy almost EVERYTHING with our credit card — then the credit card bill is automatically deducted from our bank account at the end of the month. There are a few expenses (like our mortgage, our water bill, and church tithing) that can't go to our credit card — in those situations, we write checks or have the money automatically transferred from our checking account (for our mortgage)
So yes, I DO still use a bank register to record all our income and other deposits as well as the various debits that come out of our account each month. I also check our account online, but I like having my own paper version so I can remember to check for certain transactions — and just to have "my version" at home.
I will say, in my entire life of banking (since I was 6) my bank has NEVER once messed up my account — so I'd probably be OK not to keep my paper register at home, but I'm so used to it now and it just take a few seconds to update!
Hope that helps!
Melissa Reply:
February 9th, 2015 at 9:36 pm
Thank you for getting back to me! I can't wait to read your upcoming post about this topic!
A few questions….
— When you say paper version, do you mean you keep all your account statements from your bank? Or do you mean a balance sheet?
— Do you keep a detailed report of all your credit card purchases? Or do you just put the total credit card amount for the month in your balance sheet?
Andrea Reply:
February 10th, 2015 at 4:28 am
Melissa, have you looked through my blog at all?? Because I talk about all this stuff in various posts 🙂
As far as paper statements — we don't even get paper statements for any of our bills or bank accounts.
And I track all our expenses individually in my finance tracking workbook on my computer — so no, I don't just put the credit card bill total each month
Donna M.10/28/2014
It's been years since I balanced my check book and I used to be a to the penny balancer. I lived in fear of bouncing a check. That was when every penny was needed for bills. I was a SAHM with two kids and there were days I was in tears, not knowing how we were going to make it. Now we are at a point where we no longer have to watch every penny and it helps that neither of us are spenders. We have money direct deposited into 2 checking accounts, a savings account and a Christmas club account. One checking account is for big expenses like taxes and insurance for house and vehicles and for expenses on rental properties. Kind of like an escrow account. The other checking is for everyday living and bills. In October the Christmas club account is automatically transferred to that account. The savings is for emergency only. I do check all of these accounts daily online and check with my husband if I see anything I don't recognize. I've never had a problem with this. It's funny that the only time I had a problem was when I used a register before computers. Someone stole checks I was mailing out of our mailbox and used other stolen checks which they made out to me and using our stolen account number, deposited the stolen checks into our account and got cash out on the deposit. They went to 3 branches before they were asked for ID. I caught that immediately because I would check my account daily via telephone. All of our bills are paid by automatic debit except for one credit card which I pay off monthly online. This works well for us.
Yes and no. Yes, I balance my checking accounts myself, but I set up an Excel spreadsheet so that the math is done for me. I just set it up exactly like a check book register. (I even put in a column for the few checks I actually write; when they clear, I mark it with an "x".) But no, I don't leave it up to the bank to keep me on track. They make mistakes just like we do.
Susan Young10/28/2014
I, too, still maintain a checkbook register even though I do most of my banking online! I am 65 yrs. old and it still seems strange to not pay for everything with a paper check but I do enjoy the ease of online banking. And like Andrea I am on my banking site several times a week to "check on things!" I also regularly (several times a week) go on our Discover and Visa websites to verify purchases and charges. And I have found mistakes made by my bank and a recent charge to a credit card not made by me! And I never ever use a debit card!!
I do both a checkbook register and online banking. I keep an electronic register on my iPhone (since I don't always have a pen handy). I also reconcile that with what is on the online records once every two weeks.
As far as online banking being reliable in place of a register: it is not. I am a landlord, while we deposit the checks we get from our tenants within 2 days of receiving them, they have still been caught off guard. The forgot about an outstanding check, or a recurring automatic withdrawal, and our check gets retured. Unless you have a ton of disposable income, it is absolutely necessary to have a mechanism to know exactly how much immediate liquidity you have at any given time.
We use a system called Mvelopes. It does cost a little, but it is well worth it. All of our accounts (bank and credit) are attached to it. I even have a mobile app where I can input transactions as I make them. It is basically an online "envelope" system. You can divide stuff into your envelopes when you get paid and it subtracts as you go. It is amazing!!!
can u post instructions on how to balance a checkbook? and maybe some pics?
Cathy D03/05/2012
I use two registers for the same account; one for recurring bills/expenses the other for everything else. I figure what all of my recurring bills will be for the year and divide them by 52 (we are pd weekly). I split our weekly pay between the two registers. I have automated all of my regular bills. When I get a draft notice or bill pay report I deduct it from the register immediately even if it won't draft for several days because I consider the money already spent. The money in the bill register is not used for anything that is not on the list. I try to maintain a minimum balance in the spending money register as a cushion. When it comes time to reconcile I just add the two balances together. Even though I use Quickbooks for work and the PTA, I haven't found an electronic method that suits my method. I've tried Quicken and Mint but they just don't seem to suit me either. Another thing I do is subscribe to automatic alerts for credit card transactions and account balance. I also keep a savings account that I automatically draft part of our paycheck to every week to build our emergency fund and protect us from overdraft. I know it sounds kind of convoluted, but it works for me. I'll admit I slacked off for several months a while back and I found it very stressful.
Kim c03/05/2012
I love this post! I actually enjoy balancing our checkbooks. Each week I balance six different accounts. We also handle financial matters for my mother in law who can no longer handle it for herself. My husband and I each work together using our strengths, he takes care of investments and I handle bill paying and balancing of accounts. Then we sit down together once or twice a month to make sure that we are both on the same page financially. I am happiest when I know we are being as responsible as we can with our money and my mother in laws money.
Patty Gardner11/12/2011
I balance my checkbook a couple times a week. I keep track of my spending in my Franklin Covey compact planner using the check register pages. I highlight each item as it clears the bank and put a little "B" next to the balance to show it balanced. I, too, have found many mistakes. There's no way I would trust the bank or rely on the balance shown on-line.
I do pay my bills on-line and keep several things on the computer but my check register is on old-fashioned paper. I did try using Quicken and a spreadsheet but paper works best for me. It also allows me to update my checkbook anytime – even when I'm out or sitting on the couch.
If I didn't use my register, I'd feel extremely lost. I don't use any spreadsheets and I balance via our banking website once a week. I have friends that don't use any kind of register… they are frequently over-drawn and always struggling waiting for their next paycheck. I have tried to talk them into budgeting & actually using some kind of system to register, with no luck. (It is awful to hear their problems, but all you can do is try!)
I still use a paper check register! I pay a lot of bills online but I like seeing the register on paper and I balance it every few days.
Andrea, I don't keep any kind of register! I wish I did sometimes, but I've not had a major event. I mean, we live within a very a strict budget, and only use the bank to pay bills that I enter into billpay. I don't know how, but we keep good track of our records nonetheless… and we get bank balance alerts sent to us. I even manage our rental properties this way! Eeek. So maybe God is really kind to me or we're on top of it in our own unique way.
Kristia {Family Balance Sheet}10/27/2011
I use Quicken to balance my checking account and I check my account weekly. I haven't used a paper ledger in years. I hardly write checks anymore, because I use online bill payer.
Debra Schramm10/27/2011
I use a paper checkbook register also. I'm an accountant and keep up with every penny. Good stewardship requires that you know where your money goes and how much you have available. I also do the bookkeeping for my church and I am amazed at the people who tell me they don't balance their checkbook. I'm also amazed at the number of people who think the online balance is their actual balance. What if your mortgage check hasn't cleared yet? I just don't get it!!!!!!!!!!!!!!!!
I'm going to make you feel very modern! I still balance my checkbook – HAS to be exactly right, use a check register and still write paper checks to pay my bills! The thought of paying my bills online electronically makes me too nervous! (Guess I like to feel have the illusion of control :)).
I don't balance it. I don't enter charges into anything. I'm so bad. We have a savings account attached to the checking in the event of overdrafts that has never been used. I do look at our account online daily and make sure that any charges posted are legitimate, while they're fresh in my mind. But that's it!
I balance all my accounts when I get the statements. I don't keep a paper register, but I enter everything into Money. We use a credit card for everything we possibly can, then pay it off at the end of each month. I enter the receipts into Money just like I would a checking account, and save the receipts until I get the statement. Several times I have caught overcharges at restaurants this way (most recently, someone added a dollar to the tip and I was able to catch it while reconciling the account, and I also had the receipt to take to the restaurant). I couldn't stand not knowing how much money I have and where it is!
We don't use a paper check register either. We keep track of all our transactions and budget using Mint.com. Once a week we sit down and balance that with our online bank statement and our receipts. It's worked really well for us and has majorly streamlined the process since we balance the books and the budget at the same time and it pulls transactions in automatically.
Another thing we have worked to do is save up one month's worth of expenses to keep in our checking account. We are actually spending the money we earned last month on this month's bills and expenses. We never have to worry about bouncing a check since the right amount of money is in our checking account at the beginning of each month. It takes a while to save for, but the peace of mind is totally worth it!
The Diaper Diaries10/27/2011
I balance my check book but do everything online. I don't even know where my checkbook register would be!! I use Microsoft Money which I love because it budgets, graphs and does all the math for me. Super easy!!
Ive never understood how people DONT balance it. I agree with you, how do you know how much you have left? However, being that I am on the computer at least 4 times a week ALL DAY, I balance mine in excel because it has formulas for you and it minimizes the chance of adding mistakes. I have a spreadsheet with different tabs that I use to track every transaction, deposit, withdrawl. I have tabs for savings goals, special project expenses vs budget, credit card balances (when I plan on paying the off), etc…
I break up my bills within the 2 pay periods I have a month and I change the amounts as they change and hi light them when they are paid. That way I dont miss any bills since I still like receiving paper bills and sometimes they get lost. It helps me to know when can I afford the next project, how much do I have saved for my son's college days, are my bills exceeding my income..etc…
Im suprised you havent done this Andrea! You should def try it. its worth it. You can filter your spreadsheets…I know you guys dont spend much on eating out and all that stuff, but if you wanted to track business expenses, you could add a column that says personal/business and it helps for taxes, what nots. I like it because I own three different properties and I like to keep them separated for tax purposes yet I can put them in the same spreadsheet.
Andrea Reply:
October 27th, 2011 at 1:07 pm
Sounds like you have a pretty good system down Mary!
And I DO have a very elaborate series of spreadsheets that I use to track every single penny we earn and spend. However, that is totally different than my checkbook register.
Since we pay for almost every single thing with our credit card, none of those transactions would ever show up on our checkbook register — so that's why I use my budgeting spreadsheet. The checkbook register just manages our income, our credit card payments, mortgage payments, and the few other things we don't/can't put on our credit card.
Ashley Reply:
October 28th, 2011 at 2:12 pm
I <3 Excel spreadsheets!
You definitely are not the only one who uses a paper register and balances to the bank weekly (sometimes daily). I would feel so out of control if I didn't have my paper tracks.
Judy @ A Meek Perspective10/27/2011
A resounding "Yes!". I am an accountant so I am very particular about my checking account. I have created an Excel Spreadsheet as my check register so I no longer fill out a paper register. The Excel Register automatically does the additions and subtractions for me. I store the file in Drop Box so if something happened to my computer unexpectedly (which it did last week), I always have the file where I can access it from any other computer. I always know how much money we have.
Laura Reply:
October 27th, 2011 at 1:08 pm
Ditto, Judy! My response was going to be pretty much word for word what your repsonse says!
Tammy Reply:
October 30th, 2011 at 10:38 pm
Any chance you'd be willing to share that spreadsheet? I would like a way to track our register without paper since I rarely write checks.
Andrea Reply:
October 30th, 2011 at 10:43 pm
Just an FYI Tammy, I have a link to my spreadsheet here — and it's totally free to download!
Tammy Reply:
October 30th, 2011 at 10:58 pm
thank you! I have downloaded that actually, I love that you offer it…I have been looking for an electronic replacement for our register though…without buying a complex financial program. I can't tell you how much I have loved your tips, recipes and systems!


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When you create your app you'll be asked to choose between importing your data from an existing CSV file or starting from scratch by entering your data manually. If you choose to import your data, you must first have all your data in an existing CSV spreadsheet.
As an example, we'll import a CSV file of 500 car makes and models.
As you can see from our sample spreadsheet, we have 4 columns, including Car Make, Car Model, Car Model Year, and Car Vin.
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To import your spreadsheet, we must align each column in your spreadsheet with its matching field. Think of each column in a spreadsheet as a field in your app. So in our example, we'll now create 4 fields in our app to match our 4 spreadsheet columns:
Once the fields are created we need to create an import template so it can be reused later if necessary.
Within the data table you wish to use, click on Imports
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Next click on the Records tab and select "Import"
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The import will now run and a log will appear that will report any issue that may have occurred during the import. Refresh the page to see the imported records.
Check out this brief video for a quick overview of importing your data:

subset: commoncrawl


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11th April 2016
Don't forget to use our suggestion box during stay and play in the mornings or during our extra-long stay and play session next week.
So last half term we had four suggestions. We have responded by:
1) Sending home a copy of the curriculum map each half term (in addition to it being accessible on the school website as usual) so that you can see what your child is focussing on during the half term as well as on a week by week basis (written on entrance whiteboard weekly).
2) Displaying a large copy of the timetable on the entrance whiteboard (in addition to the planning display available to look at in our second classroom). So you can see the routines and expectations for your child for this half term.
3) Reviewing how we manage our home time system. After discussion with staff and the head teacher it has been decided that in order to keep the children safe, ensure that each child goes to the correct adult and does not run into the school carpark or onto the road that the best option is to continue the queueing system. We do endeavour to send children out in queue order, however, they may be struggling with personal items or not hear first time so children may not always exit in queue order.
4) Review the communication opportunities for parents. Staff are always available to welcome and chat to you and your child during the daily stay and play sessions first thing in the morning. If you need to hand forms in or speak to a member of staff at school pick up time you are very welcome to do so. If a longer conversation is required just alert a member of staff and you are very welcome to wait inside the foyer with your child until the rest of the class have gone.
Please use the suggestion box and forms available. As you can see, it really does make a difference!!
Thank you, the Nursery Team
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This motorized hose reel mounts atop a 95 gallon fresh water tank to conserve space in your van. A 12 volt DC motor powers the reversible hose reel to make set up and clean up faster and easier. The reel holds 250 feet of vacuum hoses. The assembly measures 32" wide.
|Product #
|Motorized Reel and Fresh Water Tank


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What Is a Small Group?
Small groups at Sunnyvale Presbyterian Church are a great way to get plugged into our church community. In these groups relationships are strengthened, friendships are formed, and support systems are put in place to help navigate through our journey of faith and our daily lives. We know that it can be challenging to get to know people on Sundays, so we encourage you to connect with others in a more personal way through the many groups that exist here at our church. Groups at Sunnyvale Presbyterian have various foci and meet in different places throughout the week. We hope you'll make the effort to check out some groups and see where you may most feel at home!
Fellowship Groups are larger groups that meet monthly or so to encourage one another. They often include prayer, some study, and service opportunities within the church as well as the outside community. These groups tend to gather according to age or life stage and a desire to be in community together. Some fellowship groups gather specifically around shared passions or hobbies. These folks enjoy being with others who share their interest and desire to grow in relationship as they spend time with others from church. All fellowship groups are great entry points to get to know people!
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Adobe Illustrator Tutorial - How to Create a Simple Monster Character by using Illustrator
This tutorial showing you on how to use the shape tools and the Pathfinder panel to create a simple monster character. The Gradient panel will be used to in this tutorial as well. Enjoy!!
- Click the File > New to create a new file and set it 900 X 700 px ,RGB mode, at 72 dpi.
- Using Ellipse Tool (L) to create a oval shape and click F6 to fill grey color (#6D6E71) on Color Palette and apply no stroke.
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Scale the copied shape and placed it on the bottom of shape.
- Let's start to create eyes, using Ellipse Tool and press the Shift key to create a perfect round shape. Fill it with grey color (#BCBEC0) and apply black stroke 4px.Next, Create a round shape with Ellipse tool. Fill it with white color and apply no stroke. Then, placed it inside the eyes.
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Select the two shape and press the Subtract From Shape Area button in the Pathfinder panel.
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Select the key and fill it with Linear Gradient. Rotate it with angle -90 °.
- Hold down Alt + Ctrl Key to copy the teeth and fill it with dark grey color (#808285).
Object > Align > Send Backward ( Ctrl + [ ).
- For the hair, using the Pen tool and fill it with Linear Gradient.(First Swatch: #1B3E70 ; Second Swatch : #092442), apply the dark blue color stroke (#808285),3px.
- With the hand, use Pen Tool to draw the shape below.
And fill it blue color (#1C75BC) and apply no stroke.
- Ctrl + C copy the shape and Ctrl + V paste the shape. Fill It with with Linear Gradient.(First Swatch: # 278EC1; Second Swatch : # 00637F), apply no stroke and placed toward on the hand.
- Select the two object, Right Click>Transform> Reflect.
Select Vertical and press OK.
Then, placed it on the right side.
- Finally, you can add some detail for your character.


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Meatballs in Easy Tomato Sauce
These Instant Pot Meatballs in Easy Tomato Sauce are great with spaghetti, pasta, sliders, subs, pizza, polenta, or enjoy them on its own.
Easy to make, fulfilling, and thrifty.
Perfect make ahead freezer meals for those busy weeknights, treating guests or make a big batch for potluck parties. Enjoy
Full Printable Recipe & Cooking Tips: Pressure Cooker Meatballs


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Mountainside Summer Music Series Featuring Al Shafner and the Revtones
Sat, Aug 24
Admission: Free
Contact Person: Attitash Ski Resort
Contact Email: email@example.com
Join us for the 7th season of the Mountainside Summer Music Series sponsored by Bud Light. There is limited seating, and shade so feel free to bring your camping chair, sit back, and enjoy free outdoor live entertainment Saturday's from July 6th through Labor Day Weekend. Special show Labor Day Weekend Sunday September 1st. This is a licensed premises so NO BYOB, the Cantina Bar will be open with an assortment of Beer, Wine and Special Elixers.
About Al Shafner and the Revtones
"The Revtones are a renaissance band specializing in hits from the 50's, 60's and 70,s. Led by lead singer Al "the Rev" Shafner the band is often described as a classic rock band who perform favorite hits and high energy "music you know by heart". Foot tapping and dancing are an irresistible outcome of attending concerts by this very talented Mount Washington Valley based band."
(Bands will play upstairs in Ptarmigan's Pub in the event of inclement weather)


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Muscle XTX
Muscle XTX Natural Pure Testosterone Booster and fat burner plus Libido enhancer. It intended to help everybody to get remarkable results from workouts. Finally, You will get mass muscles and joyful life.
Muscle XTX is a Scam?
One of the major reason is the age factor. By getting older you lose stamina and the production of testosterone. As researchers revealed that men lose 1% of testosterone over the age of 30. every year. This happened due to poor diet, stress, too much smoking, less or no exercise. Rather, make worse this to fall testosterone level.
There are many ways about to replacement therapy. So, by using them you felt normal but they are dangerous for human health. These therapies can be in the form of injection, gel, patches or cream. But not sure that it can be use full for human health.
They can be harmful to your healthy life because the side effects are higher. include fluid retention, development of the male breast. It boosts the production of red blood cells. that can increase the chance of heart attack, diabetes, prostate gland enlargement can happen. therefore, there is a huge list of its side effects.
These known as synthetic testosterone supplements. just don't try these kinds of supplements because they can effect on your hair as well. It means hair loss, acne can occur by using synthetic supplements. Not only these side effects but you can lose your tests as well.
In addition, Use only natural testosterone boosters, which are available in the market. The Muscle XTX is one of them it is available in a Jar with 60 use full capsules. This supplement is much better and safer for your health. It is quite sure that Muscle XTX will give you best testosterone production. Without any side effect and build your body stronger and lean muscles mass.
The natural ingredients take effect and as a result, blood circulate all over the body. It stimulates the production of testosterone in the human body.
What Benefits Muscle XTX Can Give you amazing results
- Boost your energy and mood level
- Completely revitalize human body
- Loss extra body fats and improve muscles tone
- Maintain cholesterol and improve it
- Increase energy, boost libido, gives full erection
- Improved concentration of mentality
- Approved and without any adverse effect
Why Muscle XTX and why people use it just outline below
Such supplement help to boost energy and muscle mass also burn extra fat. It also increases testosterone level. Increasing T-level take effect and hormones can give you a perfect muscular body shape. It also has the ability to reduce burn fat with safe manners. It turns your body into work of art, lean and slim as you desire.
Muscle XTX is more effective in preventing osteoporosis and help to make bones stronger.
Increase blood flow not only in the body but in the penis too, as a result, it gives you more erection and pleasure whole night. It also increases libido and guaranteed rock hard erection. So, The natural ingredients work so fast like Tonget Ali help to enhance your stamina. Perform better and gives you last longer erection during intercourse.
The herbs used in Muscle XTX raise your mood and gives you better peaceful sleep. Because the hormones of testosterone influence your mind and you sleep well.
Gives your mind concentration and boost mentality alertness .
Enhance your stamina and energy to look you younger and energetic
Only top quality products can give you these kinds of benefits. In conclusion, it also stimulates the production of testosterone and HGH in the human body. In addition, This takes positive effects on the human body that make you more youthful and energetic.
How Muscle XTX Works
Everybody need nutrients in their diets. The Muscle XTX contains Natural herbs which contain nutrients that body need. These nutrients combined with vitamins, minerals and full of proteins. consequently, our body need these vitamins and nutrients every day to work. finally, Bodybuilders need extra energy to make stronger muscles and more stamina. Muscle XTX is much used for bodybuilders to get muscular physique.
It is the blend of use full clinical approved components. That vitalize energy and gives you bigger and stronger muscle mass. These components contain amino acid which is more important for bodybuilders. Also use full for sexual erection. Regulate the blood in the body and especially in the penis so that it erect rock hard and gives you power all night.
These natural ingredients use full to promote the workouts and build stronger muscle. It helps to growth issues that broken down by hard workouts. Burn fat to help the procedure to speed up the metabolism in ordering to discharge energy. The ingredients of Muscle XTX flow blood in the body and oxygen available in the workout areas. Also, it increases the muscle's ability to become bigger and stronger.
Creatine is one of the powerful ingredient available in this supplement. Which contains massive results and it helps to create bigger muscles to lose extra fat faster. hence, Nitric oxide is also another powerful ingredient that helps to make mass muscles. finally, make possibilities to flow blood throughout the body.
Benefits of Muscle XTX
- Increase testosterone level
- Grow muscles faster and make them stronger
- Increase the sex ability
- Long last erection
- Tested Ingredients
- Almost zero side effects
- Professionals 1st choice
- Safer than another supplement
- Burn fat faster and libido enhancer
When Muscles XTX required
- Loss stamina and individual power
- Low or decrease testosterone
- Your workout doesn't effect
- Decrease stamina and no longer erection
- Increasing fat and low libido
Some things not good in Muscle XTX
- Not approved by FDA
- Available only ONLINE on the net
- Under 18 years old cannot use
- Not for ladies
- Keep away from the reach of the children
- Store in dry place
- Prohibited for under 18
Recommended Dosage
The recommended dosage of Muscle XTX is 2 capsules in a day. Take once in the morning and once in the evening is the best daily dose with a reasonable amount of water. In the morning you can take it after the meal and in the morning it's up to you that after or before both are suitable.
How to Buy
Furthermore, It recommended that don't buy Muscle XTX until you read the whole story and agreed that it will work for you. You read and agreed, NOW! Just click on one of the banners or Buy now Option. it will redirect to the official Web page, there fill out the form. Finally, it required personal info for ordering and payment info. Your order will reach you right after 2 – 4 days…Thanks for ordering.


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by lynda Algie
MY name is Lynda Algie, I am coming to work is sir Charles Gairdner Hospital CCU in March this year, We come from Belfast norhtern Ireland, I am Married with 3 daughters age 25 21 and 16. the 2 youngest girls are coming with us, Gillian is 21 and hoping to get into uni to study podiatry, Jennifer is 16 and is studying hairdressing and would like to continue that in Australia, WE would like to live nearer to the coast and within easy access to bus and train service,My husband is a plasterer and will also be lloking for work in Perth.
Join in and write your own page! It's easy to do. How? Simply click here to return to Invitation 19.


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When St. Jane Francis de Chantal encouraged St. Francis de Sales to be a bit angrier over the opposition they were facing in starting their religious order, he replied, Would you have me lose in a quarter hour what has taken me twenty years hard work to acquire?
St. Francis de Sales had quite a temper when he was young. But over time he learned to convert his angry feelings into virtuous action. He knew that anger never leads to happiness. Worse, it causes tremendous harm to our relationship with God.
In the pages of Overcoming Sinful Anger, the wise Fr. Morrow shows you how to pull the rug out from beneath your anger and reclaim a life of peace and grace. Youll come to understand the root causes of angry behavior, ways to heal painful memories, and how to deal well with your hurts and humiliations.
Youre not likely to overcome blowups and anxiety through willpower alone. You need tools that help you cultivate the habits that lead to virtuous action. Youll discover here simple ways to influence your behavior, control your impulses, and rebuild tattered relationships.
When you follow the simple advice offered in these pages, youll be surprised at how quickly youre giving up all desire for revenge, forgiving those who hurt you, and finding peace in your life.
Kindness counts. If you have trouble acting with the consistent kindness our Lord expects, your relationships with God and those you love may be suffering.
Probably you just can't find the time and can't ever seem to develop the patience that you need in order to be consistently kind amid the irritations that afflict you daily. That's why this book is such a godsend.
There's nothing complicated or magical about learning to be kinder; it just takes greater attention to the things that you do and how you do them. The Hidden Power of Kindness shows you how to become more aware of even your most offhand daily actions. You'll find simple, step-by-step, and spiritually crucial directions for how to overcome the habitual unkindnesses that creep undetected into the behavior of even the most careful souls.
If you want to make progress in the spiritual life, you can't afford to miss the bracing insights in this handbook for souls who yearn to be kinder. They'll give you years of solid help in overcoming sin so that you'll live more fully with others and truly transform your corner of the world!
How to Make a Good Confession: A Pocket Guide to Reconciliation with God
If you still drag your feet about going to Confession, here's the help you need to enable you to overcome your reluctance and open your soul to the vast reservoir of mercy found in Confession.
This down-to-earth, practical guide shows you how to transform your confessions from embarrassing moments in a dark room into profound experiences of God's love. The author, Fr. John Kane, provides solid guidelines for how you can (and must) make the most effective possible use of the sacrament of Reconciliation. Even better, he shows you how to carry the grace of Confession into your daily life, so that you'll start winning consistently your battles against sin.
This is a book you can return to again and again in order to renew your sense of God's mercy as well as to gain Fr. Kane's help in examining your conscience and bringing your life into greater conformity with the light of the gospel.


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Online Forms
Please use the following links to print and fill out our insurance coverage and patient health history forms. Contact us or Click here to email us your questions!
New Practice Member Paperwork
New Medicare Practice Member Intake Forms
New Pediatric Practice Member Paperwork
(Under 2 years of age only)
Symptom Survey Form for Nutritional Analysis
Neurofeedback Forms
Personal Injury Forms – Adult
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(Under 2 years of age only)
HIPAA Forms
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Each form is a PDF document file. If you do not already have AdobeReader® installed on your computer, click the Adobe® image to download for free.
Synergy Wellness | (520) 818-8857
Providing Quality Chiropractic and Wellness Care to people in Tucson, Vail, Marana and Oro Valley, AZ


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- WALL SCONCE DIMENSIONS: 4.5" Height x 4.5" Width x 3.25" Depth, Weight 1.16lbs
- LIGHT: 50 Watt Bi-Pin MR16 Halogen Light, Bulb Not Included
- ADA Compliant, Optional Multi-Colored Shade GKSH2171 Sold Separately, Included Wire: 7 In. Length
- UL Approved for Indoor Locations, FINISH: Brushed Nickel
- For Use with Low Voltage George Kovacs Lightrails
- 100% SATISFACTION GUARANTEED: 1 Year Limited Manufacturer's Warranty. 90 day Returns or Exchanges to Del Mar Fans & Lighting
The George Kovacs GKPW001-084 Lightrails collection Sconce Wall Lighting in Brushed Nickel uses Halogen light output and brings Contemporary style. This item is 4.5"H x 4.5"W x 3.25"D. The total wattage is 50 and the voltage is 12 volts. The George Kovacs GKPW001-084 requires 1 bulb (not included).
By Selecting the Options above, you can view all of these George Kovacs Lighting Products in this GK Lightrail Collection: GKPW001-084, GKPW001-467


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In the terraced courtyard of Williamsburg's William Vale, the 21-story, Aldo Lamberis–designed hotel that refashioned Brooklyn's skyline when it opened in 2016, Phoenicia Flea founder James Anthony surveys his flock of makers and their goods: Turkish towels from Harlem's Home & Loft, artisan furniture from Brooklyn's Untitled_Co, barrel-aged whiskey and gin from Vermont's Stonecutter Spirits. It's the Catskills-based nomadic Flea's fifth year in business, but through the end of the year, Anthony's usual route around New York state's Hudson Valley and the Catskills has expanded to include monthly appearances at the William Vale along with stops in Asbury Park, New Jersey; Westport, Connecticut; and the Berkshires in western Massachusetts. "Our whole philosophy is about marrying the local community with the guest experience," says Anthony. "Making shopping social is what we're about."
It's a sort of retro view in an era of e-commerce—but that, says Anthony, is the whole point. He launched the Flea in 2014 while working as GM at The Graham & Co., the indie hotel darling in the town of Phoenicia, New York, that first began drawing Brooklynites to the Catskills. After three events held at the hotel, he took the show on the road, so to speak, suspecting that the nomadic approach would be better for both the creative and the financial bottom lines. "Despite what you might think, people do still prefer the conversation over just clicking-and-buying," he says. "It's a way for these artists to generate income they might not otherwise be able to do—a painter can sell a bunch of pieces in a weekend and not have to deal with the gallery circuit—but it's also a lab for their work. Often, the people my artists meet at the Flea are the only live customers they ever encounter."
The nomadic flea has proven to be a sustainable business model in an increasingly crowded makers' market market that includes competitors like FAD Market and the bicoastal Artists & Fleas. Anthony says that keeping vendor fees low by fostering partnerships—like that with the William Vale—helps encourage loyal artisans willing to travel while also helping bolster business for creatives who aren't always the most adept at the business end of things. He now puts on 20 events a year featuring a rotating cast of 300 small-batch vendors, hand-chosen for their taste level, good attitude, and team spirit. "My process is simple," he says. "I look at what they do and it's a 'yes' or a 'no.' I just want the experience to be fun for our vendors as well as for our guests." (For this reason, most Phoenicia stops feature at least one "boozy vendor," which Anthony always positions, enticingly, on the Flea's perimeter.)
This winter, he'll take the operation westward, launching the Mojave Flea, headquartered in Palm Springs with designated stops throughout California and the Southwest. "The Coachella Valley is like the desert version of the Catskills," he says. "We have tons of creatives and makers." The category he's most excited about is what he calls wellness and healer-based beauty. "I've got these witchy girls who do reiki and read cards and sell crystal-infused household cleaners potions and deodorants and really amazing serums and teas," he says. "Any insight into the chaotic world we live in, goods handmade with thoughtfulness and intention…that's really the experience I'm after—that I think we're all after."
RELATED: 6 Unexpected (and Inexpensive!) Things You Should Always Look For at a Flea Market


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Smith potted her second hat trick within a week to lead the Skyhawks. (PHOTO BY Jim Stankiewicz)
Smith's second hat trick in a week not enough as Skyhawks fall
NORTH ANDOVER, Mass. (September 13, 2017) – Merrimack College, ranked No. 9 in this week's Penn Monto/National Field Hockey Coaches Association (NFHCA) Division II poll, posted a 5-4 shootout victory over No. 10 Stonehill College in a non-conference field hockey matchup at Martone-Mejail Field tonight.
Senior Rylie Hammond (Phillipston, Massachusetts/Narragansett Regional) totaled five points, with two goals and an assist, to lead Merrimack, while junior Mary McNeil (Canton, Massachusetts/Canton) dished out two assists in the win. Senior Taylor Simpson (York, Maine/York), sophomore Lindsey Nolte (Canton, Massachusetts/Canton) and freshman Colleen Ellis (Westford, Massachusetts/Westford) each chipped in with a goal for the Warriors.
Sophomore Katharina Ohmen (Bremen, Germany) made 13 saves in the Merrimack goal, as the Warriors held a 29-24 advantage in shots and an 8-6 edge on penalty corners. Junior Delaney Yule (Southbury, Connecticut/Pomperaug) also contributed three defensive saves in support of Ohmen. Junior Sara Freedman (Hopkinton, Massachusetts/Hopkinton) finished with 13 stops in the Stonehill cage, just one shy of her career-best. Both goalkeepers made saves on penalty strokes, including Ohmen with 5:37 remaining.
Freedman finished one shy of her career-high with 13 saves. (PHOTO BY Andrew Katsampes)
Junior All-American Kacie Smith (Norwood, Massachusetts/Norwood) notched her second hat trick of the season, both coming within the last week, to lead the way for Stonehill. The six points give her 106 for her career to move into fourth place on the program's career scoring list past Kathryn Nelson, '12 (103 points), after becoming the program's fifth 100-point scorer at Assumption College on Monday night. Smith's three goals give her 45 in 46 career games, to move into a tie for fourth all-time with Nelson. Senior Alexandria Sylvia (Brockton, Massachusetts/Brockton) chipped in with a goal for the Skyhawks.
Smith opened the scoring with an unassisted tally 12:21 into the contest, but Merrimack answered with a pair of goals less than four minutes apart to grab the lead. Hammond set up Ellis for her fifth goal of the year at 17:31 and then scored off a feed from McNeil at 21:01.
Merrimack stretched its lead to 3-1 when McNeil assisted on Nolte's first goal of the year 3:37 into the second half. Sylvia pulled Stonehill back within a goal with her first of the year, assisted by junior Carly Andersen (Cheshire, Connecticut/Canterbury School), 10:37 into the half, but Simpson restored the Warriors two goal lead seven minutes later with her fourth of the year.
Smith drew Stonehill within a goal again 57-seconds after Simpson's marker off a penalty corner, but Hammond netted her seventh of the season less than two minutes after that on a deflected shot. Smith capped her hat trick with 12:35 still to play for her ninth goal of the year to pull the Skyhawks within a goal once again, but Merrimack would hold on from there, with Ohmen stopping a Smith penalty stroke with 5:37 left that sealed it.
Stonehill (2-3, 0-0 NE10) looks to bounce back when it returns home on Sunday to host the University of New Haven at 1 p.m. Merrimack (4-1, 0-0 NE10) hosts Pace University on Sunday at 2 p.m.
For the latest on Stonehill Athletics, follow the Skyhawks via social media on Twitter, Facebook and Instagram. Fans can also download the Stonehill Skyhawks "Front Row" mobile app, powered by PrestoSports, on iTunes and the Android Market.


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The last weekend in November is always an emotional mosh pit because some of the greatest rivalries in college football are played:
Michigan vs Ohio State in 'The Game.' Wolverines lead, 57-44-6. No trophy awarded.
Alabama vs Auburn in 'The Iron Bowl.' Tide leads, 40-36-1. James E. Foy, V-ODK Sportsmanship Trophy.
Texas (Tex Hex) vs Texas A&M (Aggie Bonfire) in the Golden Boot Trophy game (warning, lifting the trophy can cause a hernia). The Longhorns lead, 75-37-5. Lonestar Showdown Trophy.
West Virginia vs Pitt in the Backyard Brawl. Panthers lead, 61-39-3. No trophy.
Georgia vs Georgia Tech (Clean, Old-fashioned hate). Some refer to it as athletes vs students. Bulldogs lead, 61-39-5. Governor's Cup.
Clemson vs South Carolina in the Palmetto Bowl. Brawl in 2004 looked like a gang fight. Tigers lead, 65-39-4. Hardee's Trophy – C'mon, that's weak.
UCLA vs USC (campuses are 12 miles apart; cheerleaders are miles apart; edge USC). Trojans lead, 43-28-7. Victory Bell.
Florida vs FSU. Former Florida Gov. LeRoy Collins had to convince the arrogant Gators to play the Seminoles every year. Gators lead, 33-20-2. Florida Cup.
This year, thanks to realignment, we have some new rivalries:
Nebraska vs Iowa (Farmaggedon). Name of new trophy to be announced on Friday. We suggest, 'Children of the Corn Trophy.' It probably will be Heroes Game Trophy.
Pitt (to the ACC) vs West Virginia (to the Big 12) in The Expansion Bowl. Teams might consider pooling revenue from this year's game to pay conference exit fees and legal costs.
TEXAS A&M (-7 1/2) over Texas – One team has a legit starting quarterback and two elite running backs. The other has a really nice logo.
Louisville (+3) over SOUTH FLORIDA — Cards have a chance to prove me right: Charlie Strong should have gotten a head coaching gig years ago. What a job he's doing with Louisville.
NEBRASKA (-9 1/2) over Iowa – Huskers are a significantly better team at home. Not one of Kirk Ferentz's better Iowa teams.
Arkansas (+12 1/2) over LSU – Pretty sure I'm going to have an LSU defensive back on my Heisman ballot; just not sure which one. The Hogs can score on anyone.
W. VIRGINIA (-7) over Pittsburgh – Parlaying a West Virginia cover this week with a loss next week at South Florida.
Georgia (-6) over GEORGIA TECH – Dawgs have the speed to contain the option and last week's scare at Kentucky was the wake-up call. Besides, we have to find a way to believe that Georgia can beat the SEC West in the league title game next week, making a mockery of the BCS.
MICHIGAN (7 1/2) over Ohio State – Buckeyes know there will be a new sheriff in town next year, almost surely Urban Meyer. Wolverines snap a seven-game losing streak in this series.
Rutgers (-3) over UCONN – These games are always close but the Scarlet Knights have developed a run game to set up their passing game. And that ultra-sophisticated defense will befuddle UConn.
SYRACUSE (+3) over Cincinnati – Bearcats lost their O with injury to QB Zack Collaros. Senior day in Cuse. One more win needed to be bowl eligible. Winners get to eat real eggs, not egg whites.
Alabama (-21) over AUBURN – When the Tide returned this fall, Nick Saban had placed a copy of the newspaper story of the team's 28-27 loss to Auburn last season in which Bama blew a 24-0 lead in every stall.
WISCONSIN (-14 1/2) over Penn State – The Nittany Lions lack of an offense finally takes its toll – along with everything else.
FLORIDA (+2 1/2) over Florida State – Piggy's gut pick.
S. CAROLINA (-4 1/2) over Clemson – Tigers are 1-2 in their last three games and the one win was a 3-pointer over Wake. These inconsistent Tigers never change their stripes.
STANFORD (-6 1/2) over Notre Dame – Thanks, Andrew Luck; it's been fun to watch. Legends Trophy up for grabs – must have stolen it from the Big Ten.
USC (-14 1/2) over UCLA – A lot of UCLA fans are rooting for USC because if the Bruins win, they could win the Pac 12 South and UCLA would have to give Rick Neuheisel a new deal. Those crazy L.A. kids.
BEST BETS: Nebraska, Michigan, Wisconsin


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Healthcare Facility Insurance in Wenatchee and Cashmere, WA
Insurance Options for the Healthcare Industry
Mitchell, Reed & Schmitten Insurance, Inc. provides insurance to healthcare facilities in Wenatchee, Cashmere, Leavenworth, Yakima, Cle Elum, Chelan, and surrounding areas.
Healthcare facilities have very specific coverage needs. At Mitchell, Reed & Schmitten Insurance, Inc., we will work with you to create a protection plan that fits the needs of your facility; from hospitals and clinics, to long-term care facilities and nonprofit organizations, we've got you covered!
Here are some of our coverage options for healthcare facilities:
- Property coverage
- General liability
- Professional liability
- Umbrella coverage
- Workers' compensation
Whatever your needs, Mitchell, Reed & Schmitten Insurance, Inc. will help make sure your insurance policy is right for your business. Contact a representative today to schedule a consultation!


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A Swap Card is a great way to exchange ideas & pretty cards with others…it is one of my favorite things about being a Stampin' Up! demonstrator along with …
- the 20-25% discount on products
- friendships with other demonstrators and customers
- sneak peeks at upcoming products
- and an opportunity to be a part of the Stampin' Up! family!
I participated in a Card Swap way back in June but never shared the cards I received.
So…I decided it was better to share them late than never share them at all.
The variety is amazing, I hope you enjoy them.
Swap Card Share
CLICK HERE for Designer Series Paper & Coordinating Colors
Always take the scenic route.
Join my stamping community – enjoy 20-25% discount and much more!
Sign up for my Monthly Newsletter – filled with tips, tricks, inspiration and more!
Follow me on Pinterest for more ideas and inspiration!
Swap Card Shopping List (click on products to shop online)
Love it and Can't Live Without It?
You have a couple options for getting all of these little gems…
Click on the picture above or click here, to purchase these products and accessories in my online store
Join my stamping community, click here and enjoy the benefits of being part of the Stampin' Up! family.
- Discounts of 20-25% or more on every purchase
- Sneak peeks at upcoming catalogs and products
- Support and Encouragement from me!
- And much more
♥ ♥ ♥
Stampin' Up! Statement of the Heart
To love what we do and share what we love, as we help others enjoy creativity and worthwhile accomplishments…in this we make a difference
♥ ♥ ♥


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Prague is a very safe city. "Walk the streets at night alone," they told me. "But don't you dare hail a cab no matter what time of day it is." You see, while no physical harm will come to you here, Czechs play games with your money. Here are a few tips, gathered from locals, to help you keep your cash in your pocket.Call Cabs or Use Uber As soon as drivers hear you speak English they hit the foreigner button on their metres and take you for a ride. How Much is That beer? Beer in Prague should cost no more than 45kr. Check the menu … [Read more...]
You are here: Home / Archives for Prague


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About Us
Our mission is to create the most healthful Kombucha made with the most best ingredients possible. We brew and bottle each batch by hand surrounded by our beautiful farm to create the most beneficial kombucha possible.
Ali and Paul
We met in 2006 at the local coop. Two years later, we were married. Paul was working as an organic farmer and Ali as a graduate architect. We moved onto a 12-acre farm in rural Springfield, KY and certified it organic, raising organic greens, bees and fruit. Our love of home-brew kombucha continued to flourish and grew exponentially as Ali found a recipe that Paul found to be particularly tasty and unique. We soon begin sampling our brews at the farmers' market we attended and they were so well received that we put our multitudes of SCOBYs to use on a wider scale. Our certified commercial kitchen on our farm soon became our "kombuchery". Our kombucha is now sold throughout Kentucky and we are are still living on our farm with our 2 year-old son. We look forward to growing our own fruits and ginger, as well as working with other local farms, for use in our kombucha.
Our kombucha is brewed with all organic teas picked for their unique flavor and health benefits. We always use organic sugar cane to brew kombucha in lieu of traditional refined white sugar. Organic sugar cane has a lower glycemic index than refined white sugar, is alkaline in nature and contains calcium, magnesium, potassium, iron and manganese. We are committed to using all certified-organic, non-GMO ingredients in all of our brews to provide the most nutritionally-dense product for you.
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Please go to the Instagram Feed settings page to connect an account.


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Lyprinol is a 100% all-natural anti-inflammatory green-lipped mussel from New Zealand. Their supplement has helped millions of people around the world achieve pain relief in joints and aches throughout their body.
The Solution
Lyprinol asked Think Zap to create web design visuals and build them an e-commerce website to sell their supplement to their market through Google ads and video advertising.
Think Zap designed and built an online shop using WooCommerce's complete solution. Easy to manage and flexible gives the client an online shop they are able to edit and add new products without the need of a web designer. This helps the client grow their online store with no restrictions.
Think Zap also create Google ad campaigns for Lyprinol. Lyprinol pays £3.81 per conversion with an average order value order of £60.51 with a 50% profit margins. Please get in contact to find out more.


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La Taqueria
Row 1
Naming San Francisco's "best tacos" is such a personal thing, it's likely to start arguments, but La Taqueria seems to be one place that a large majority of the city and the rest of the nation can agree on. It's one of the Mission's many casual Mexican joints, but at around $3.50 a taco, it's one of the more expensive ones. Still, the hugely popular tacos (carnitas, chorizo, lengua, etc.,) and rice-free burritos, especially the melt-in-your-mouth grilled carne asada version, keep the seat-yourself tables packed with an eclectic mix of diners, who come in droves before heading to the bars on weekend nights.
Foursquare Tips
Squirt the green shit on every bite
The best taqueria on the Mission. An inexpensive hole in the wall with great food. -Anita Lo, Top Chef Masters
La Taqueria continues to lead the pack with unwavering rave reviews for its sublime, spot-on Mexico staples. [Eater 38 Member]
Rice in a burrito is ridiculous and they agree. They have my heart.
ask for your burrito 'crispy style'
got to get a carne asada burrito... best in the world
El dorado = crispy
We recommend the carnitas tacos...it's #3 on 7x7's Big Eat SF 2010
Bring a friend and do a spiltty-split with a crispy burrito & some crispy tacos. MAKE SURE YOU ASK FOR CRISPY! So good. ps. if you grab a seat outside near windows you can watch them cut up the pork!
Legendary tacos!
The Mission District is full of Mexican joints, but La Taqueria's devotion to quality meats and dynamic salsas have earned it its spot in the San Fran culinary hall of fame.
add cheese and avocado
When you order your tacos, say you want them "El Dorado."
If you want to be the taco the town, ask for it "crispy cheesy" style. It's a taco with a normal soft shell wrapped around a slightly crispy shell with cheese sandwiched between the two.
carne asada burrito with avocado, followed by Mission Pie's banana cream pie! one of the best meals in sf.
Don't even bother with the burritos. This place is ALL about the tacos.
The restaurant's policy of using no rice in their burritos produces a streamlined, taste-concentrated slab... and that taste is good, good, good. Their carne asada super burrito is like a religion.
Fivethirtyeight burrito bracket put this #1, and they were right. The carnitas are good, but the carne asada is better. Crispy style is a must, though not on the menu.
Get a carne asada burrito "el dorado" style. Add cheese, sour cream and avocado.
Try the Tacos Dorados - These are the crispy style tacos. Soft on the outside, crispy on the inside and stuffed with tasty grilled fillings. How have I missed these all this time??


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The law still has at least those two useful functions in society. Several years ago, my city installed cameras at various intersections, and I got caught three times … (Updated.)
After paying the fines of $500.00 each, my driving "miraculously" improved. The penalty imposed by the law taught me virtuous driving and restrained my carelessness, a vice.
You too have experienced the law as teacher that fosters virtue and as restrainer that checks your vices.
But what happens when we don't allow the law to teach us or restrain us? What if we instead jettison it because it "cramps our style" – usually our sexual misconduct and drug use and other vices?
We don't need to talk in detail about the troubles caused by lifting restrictions on abortion, which fosters more abortions, or no-fault divorce, which paves the path toward the breakdown of the family. And will more states legalize a bad drug – marijuana?
Will we lower standards or submit to just laws we don't like? The law legislates morality, but maybe we're not listening.
My city no longer has those cameras. (I'm relieved, too.)
Though I can't vouch for every claim by a philosopher here, they still have great ideas and texts to remind us of the law's two main purposes.
In the book titled Laws, he says the city is ordered like the soul and body. Each part must work with the others to function properly, or in excellence. Law teaches them the way.
He writes there in various places:
I should wish the citizens to be as readily persuaded to virtue as possible; this will surely be the aim of the legislator in all his laws.
The citizen must indeed be happy and good, and the legislator will seek to make him so [by law].
That which has law and order in a state is the cause of every good, but that which is disordered or ill-ordered is often the ruin of that which is well-ordered.
Laws are partly framed for the sake of good men, in order to instruct them how they may live on friendly terms with one another, and partly for the sake of those who refuse to be instructed, whose spirit cannot be subdued, or softened, or hindered from plunging into evil.
A student of Plato, he went in different directions, but he still agrees with his teacher about the law and writes in the Nichomachean Ethics:
For the legislator makes the citizens good by habituating them, and this is the wish of every legislator; if he fails to do it well he misses his goal. The right habituation is what makes the difference between a good political system and a bad one.
And in Politics, he says the young must be trained in the Constitution of a given state, implying that education about the law fosters good citizens:
The best laws, though sanctioned by every citizen of the state, will be of no avail unless the young are trained by habit and education in the spirit of the Constitution.
In the same spirit of training in the Constitution, he says:
No one will doubt that the legislator should direct his attention above all to the education of youth; for the neglect of education does harm to the Constitution. The citizen should be molded to suit the form of government under which he lives.
In the next passage, a big state is unmanageable, but the purpose of the law is still clear: "For law is order, and good law is good order."
And here it is implied that humankind is perfected only by law and justice: "For man, when perfected, is the best of animals, but, when separated from law and justice, he is the worst of all."
Let's move to the biblical tradition.
The Ten Commandments
We don't need to quote them; here are the two versions online: Exodus 20:1-17 and Deuteronomy 5:4-21.
Two examples: "Honor your father and mother" commands virtue, while "don't commit adultery" forbids vice.
We may not always obey them, but they justly legislate morality.
The New Testament
It is full of moral commands, but this verse speaks of civil law in society: "We also know that law is made not for the righteous but for lawbreakers and rebels, the ungodly and sinful, the unholy and irreligious" (1 Tim. 1:9).
Now let's see how thinkers synthesized Greek and Roman ideas and the Bible into a unified whole.
He writes in the Summa, in the section about the law:
And if the lawmaker intends what is truly, as God judges it, to the general good, the law will foster truly good men.
And nearby he says:
Laws command, forbid, allow and punish[.] … Laws, like statements, are pronouncements of reason, but statements describe, whereas laws prescribe, guiding human behavior. Behavior which is by definition good and virtuous the law commands; that which is by definition bad and vicious it forbids; and behavior by definition indifferent or of little account it allows; and because it persuades men to obey through fear of penalties, law also punishes.
Luther and later followers
After he died in 1546, his followers debated what his doctrine was, and they came up with the Formula of Concord in 1580. Of the purpose of law, it says:
The law has been given to men for three reasons: (1) to maintain external discipline against unruly and disobedient men, (2) to lead me to a knowledge of their sin, (3) after they are reborn, and although the flesh [works out to be sinful impulses] still inheres in them, to give them on that account a definite rule according to which they should pattern and regulate their entire life.
John Calvin
He writes about Christian society with little attention paid to the separation of church and state, but in his systematic theology, Institutes, it is clear that one of the law's functions is to check bad behavior:
The second office [function and authority] of the Law is … to curb those who, unless forced, have no regard for rectitude and justice. Such persons are curbed not because their mind is inwardly moved and affected, but because, as if a bridle were laid upon them, they refrain their hands from external acts, and internally check the depravity which would otherwise petulantly burst forth.
We now enter the Age of Reason or Enlightenment, when our nation was founded.
Federalist Papers
In Federalist 15, Alexander Hamilton writes that the government has the power to make laws, even ones that punish and penalize disobedience and have to be enforced with some teeth.
Government implies the power of making laws. It is essential to the idea of a law, that it be attended with a sanction; or, in other words, a penalty or punishment for disobedience. If there be no penalty annexed to disobedience, the resolutions or commands which pretend to be laws will, in fact, amount to nothing more than advice or recommendation. This penalty, whatever it may be, can only be inflicted in two ways: by the agency of the courts and ministers of justice, or by military force; by the coercion of the magistracy, or by the coercion of arms. The first kind can evidently apply only to men; the last kind must of necessity, be employed against bodies politic, or communities, or States.
The Constitution
The preamble says it was written "to form a more perfect union, establish justice, insure domestic tranquility … [and] promote the general welfare."
This means the law can shape society for the better and bring the virtues of peace and goodness to the public (hence the word general) – and in the people. The Federalist Papers, particularly the passage quoted just above, confirm that not only politicians are in view in the preamble, but the people as well. Domestic tranquility, after all, is about peace in society, not in the halls of Congress (though we need peace there, too). The Constitution, unlike the Articles of Confederation, provides more national unity (a "more perfect union"), and this kind of unity is a social virtue.
A perfect example of the Constitution teaching us the people and not just the three branches of government is the Thirteenth Amendment. It freed the slaves, and now America must live up to the law. We have been instructed about the change. Freedom is a virtue, and so is living up to it.
Avoiding complications like what a just or unjust law is and private and public behavior, the main point of this short post is to say that the law teaches us virtues and restrains our vices, even to the point of penalizing us for disobeying. An individual may not follow the law, but it still legislates morality for millions of us and gives a standard to aim at.
I believe in the Grace Revolution, particularly for those who mess up and miss out.
But if we let the few get rid of laws that don't suit their tastes because they refuse to be taught or restrained ("You can't legislate morality!"), then we're going down the wrong path as a society.
This article appeared on American Thinker on October 31, 2015, but it has been updated here.
Will breaking moral law break America?
Nov. 3, 2015
Nov. 15, 2015


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Some general advice we can give you is that your domain name should:
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There is a ".realtor" domain extension that is available for registering if you want to go that route.
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- 3 Creative Ways to Choose a Brand Name - TheNextWeb.com
- How to Choose a Great Brand Name - MarketingMO.com
- How to Choose a Domain Name - Amy Lynn Andrews
- 5 Tips for Choosing the Best Domain Name - Huffpost
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Bike Commute Adviser is brought to you in conjunction with Excuses, Excuses! for bike commuters. A specific area in the Bay Area, where there's a concentration of businesses, will be featured with recommended routes.
Shoreline Park in Mountain View is an area I'm intimately familiar with after years of commuting to Runner's World magazine in the 1980s and living in Mountain View.
Shoreline is located on the north side of Highway 101, a major barrier to the bike commuter. However, the overpasses were widened in the late 1980s, so it's not as bad as it once was. There's also an overpass for bikes on the Stevens Creek Trail, which bridges the Caltrain tracks, Central Expressway, Evelyn Avenue, and goes under Hwy 85, Hwy 101, and other roads.
Businesses: Google, Microsoft, Intuit, Computer History Museum, LaserQuest (formerly Runner's World), Century Cinemas 16, LinkedIn, Actel
Overpasses: Starting from the north:
Embarcadero Road Overpass, Palo Alto. Heavy traffic. Not recommended.
Oregon Expressway Pedestrian/Bike Overpass. Starts at Oregon Avenue/Sierra Court next to Oregon Expressway and goes to E. Bayshore Road. It has a nasty fence chicane to start the climb, but otherwise OK.
Ben Lefkowitz Underpass. This underpass follows Adobe Creek, but it's only open from April to October due to flooding concerns. It would most likely be approached via Loma Verde to W. Bayshore Blvd., or Fabian Way, which becomes W. Bayshore.
San Antonio Road Overpass. It's a narrow from Palo Alto, a route to be avoided on a weekday.
Rengstorff Avenue Overpass. Upgraded in the 1990s, removing one of the cloverleafs and widened. Recommended.
N.Shoreline Blvd. Overpass. Widened in the 1980s and a cloverleaf was removed. Recommended.
Stevens Creek Trail. Starts beyond El Camino Real and avoids all the major roads via overpasses and underpasses to reach Shoreline Park. A somewhat circuitous route, but well worth the extra time.
Transit Options
Caltrain stops in downtown Mountain View. Santa Clara Valley Transportation Authority (VTA) light rail runs northwest from San Jose. Don't forget VTA's rapid bus 522, the express running between San Jose – Palo Alto on El Camino Real. Bus routes go directly to Shoreline; no doubt Google and other large companies provide a shuttle bus, which may have racks for bikes.


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Streetlights and Coordinationstat.stpete.org | Last Updated 2019-09-12T18:11:26.000Z
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Midi skirts are on the rise: 16 lookers to buy now and wear through spring
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Midi skirts are on the rise. Get on board with the season's hottest item. Click through the gallery to see 16 midi skirts we love.
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How To Look Cute In the Cold
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In this time of troubled marriages and beleaguered families, a renewed focus on the Holy Family, and what it teaches us, can act as a bracing support. Dr. Mary Shivanandan's new book, The Holy Family, Model Not Exception, provides just such … [Read more...]
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Who Knows? The Truth About Pope Pius XI and His Much-Maligned Successor.
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The Cardinal Müller Report: An Exclusive Interview on the State of the Church. By Gerhard Ludwig Müller with Carlos Granados. Translated by Richard Goodyear. San Francisco: Ignatius Press, 2017. pp. 221+xi. $17.95 pb. ISBN 9 … [Read more...]
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In the essays by Dr. Peter Kwasniewski, collected in Noble Beauty, Transcendent Holiness: Why the Modern Age Needs the Mass of Ages, Dr. Kwasniewski writes as an unabashed adherent for the traditional Latin Mass. He is positive not only … [Read more...]
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Next-generation wireless communications is emerging as the most important technology of this millennium. To ensure that the entire wireless industry is inspired and continues to evolve, innovate and experience success, QUALCOMM develops its technologies and solutions for the purpose of enabling key participants in the wireless value chain. By partnering with and acting as an enabler to the business activities of these participants, QUALCOMM ultimately enables consumers, professionals and government entities — the end users who benefit from the success of the wireless industry today and into tomorrow
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text: Individual donations to charity up by £600m in 2017, says CAF report However, CAF UK Giving 2018 says 60 per cent of people donated in 2017, compared with 61 per cent in 2016 The report Individual donations to charity increased by more than £600m in 2017, according to the largest study of giving in the UK. But although the sum donated rose from £9.7bn in 2016 to £10.3bn last year, a smaller percentage of people gave. Source: ThirdSector Tue, 20 Mar 2018 14:15:15 GMT