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Last night, the SLA Licensing Committee for Community Board 2 met to discuss an agenda that ultimately led to 17 hopeful restaurants getting a yay or nay for liquor license recommendation in just over six hours. It was calm for the most part with a majority of the applicants seeing little to no opposition from the community, strange for CB2. Of course there was some drama. To the report:
1) The one applicant that did run into plenty of trouble was a late addition to the agenda - The Brewster, a self-described saloon that'll be serving up oysters in an underground space. Those who spoke in opposition clearly had a game plan as they mostly hammered them on specific points - three were from Chinatown Head Start and implored all to think of the kids while some residents spoke of the place being a "freakin' fire hazard", a "fire trap", as well as a "death trap." In the end, those pleas fell on deaf ears as the committee voted to approve the application.
2) Seamus Mullen came before the committee to make his case for the space at 359 6th Ave. He made a very brief pitch but he says it will be a Spanish-influenced restaurant. The committee was impressed with his knowledge of the location's history as the original 21 Club which went in his favor since they acknowledged that the location had always been known at one point or another as being somewhere where one could have a drink. He got unanimous approval for a full liquor license.
3) Also present at the meeting was WD~50 executive pastry chef Alex Stupak, speaking for his new restaurant Empellon at 230 W. 4th St. He passionately made the case to be open late by stressing how he wanted a place that would be the place to go for other industry folks when they finish their shifts late at night. He stressed that he does not like drunk people and that this isn't the kind of place for that sort of thing. The committee was split on their application, mostly because of the hours, but voted anyway to approve, albeit at 4-3.
4) Emil Warda, back on the docket after a previous appearance, seemingly faced an uphill climb for his restaurant in the old Beatrice Inn space with the committee and community worried that they'd get a redux of what happened previously in that space, namely how it changed the neighborhood for the worse. This time, he had more support from the community with no objections present and was able to secure unanimous approval.
· Carlos Suarez, 18 Greenwich Ave.
· Ideal Food & Drink, 7-9 West 8th Street
· Umberto's Clam House, 132 Mulberry St. (relocating)
· The Brewster, 177 Mott St.
· Aurora Catering, 231 Mott St.
· Emil Warda, 285 W. 12th St.
· Maximopino Café, 504 6th Ave.
· Empellon, 230 W. 4th St.
· Hakata Ton Ton, 61 Grove St.
· 900 Degrees, 29 7th Ave. South
· Seamus Mullen, 359 6th Ave.
· 232 W. 14th St. (backyard)
· 265 Pastry LLC, 265 Lafayette St. (addition to space)
· Soho Garden & Grill, 224 Lafayette St.
· Lucky 13, 21-27 9th Ave.
· Adrien Gallo, 80 Varick St.
· Andrew K. Breslin, 159 Bleecker St.
—Gary Wong


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From Arthapedia
The term "Concessionaire" denotes someone who holds or operates a concession. In a public private partnership project, which is a contractual arrangement entered between a public entity and a private entity, the private entity which is the holder of a concession is defined as the concessionaire.
In India, typically a company incorporated under the provisions of the Companies Act, 1956 is the concessionaire for most of the public private partnership projects in infrastructure. The selection of the concessionaire is mostly through open competitive bidding.

subset: commoncrawl


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Project Introduction
Rainbow-SCHOOLMATE has assisted more than 200 kindergarten kids of seven community schools in the Nepal-China border region. The region has been vulnerable after the earthquake of April-May 2015, and the floods and landslides of the monsoons have made it worse.
In the survey of schools of the Nepal-China border region conducted in December 2017, the data shows that the majority of schools have no access to any kind of supplies, nor do they have proper teaching resources and methods. So, our first priority is to work in this area and make sure that these ECD children have notebooks during school hours.


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It's amazing how fast a toddler can learn. Emma is picking up words and recognising images faster than I expect. She said her first word - pa pa at 10 months and gradually picked up many words over the months. I'm thankful for her growth. I think putting her in the infant care centre does expose her to many "conversation", observations, songs and stories and that's probably where she pick up most of the words.
We do teach, read books, sing songs, talk, and practise words a lot with her. However, I can't deny that there is limitation due to the amount of time we spent with her. Thus, I think developing her personality like curiosity, creativity, interest in learning & reading and perseverance could bring her further than just pure teaching.
I'm happy that she loves to read books and doesn't mind to be left alone to flip the books. We leave a basket of books on the floor since she was young so that it is easy for us and her reach for them and put them back.
To further strengthen her interest in learning, I started this A - Z learning boards project last week of 2014 and plans to do it weekly or at least biweekly. It's an inspiration by a fellow mummy. Thanks Angela!
I find the learning boards a good and easy way to guide teaching. I used them to teach letters and words. I also introduce songs and videos according to the words and do some art crafts with/for Emma. As much as I could, I would show her the real stuffs. I will get her to point that the images, say out the words/sounds, do actions, interact with the boards (eg. Take carrots and feed the cow, hi-5 to Dora) and paste stickers to identify the words. I will also try to use the words of the week more often to cast some impression in her little brain.
It is easy and doesn't take long to do the board. Stroll down to the end for more details on how I do the boards! I will update this post and my instagram (@ashlynthia) with new boards regularly. Stay tune! :D
As for me and my house, we will serve the Lord - Joshua 24" 15b.
Blessed are the pure in heart, for they shall see God. - Matthew 5:9
Create in me a clean heart, O God, and renew a right spirit within me. - Psalm 51:10
Do to others as you would have them do to you. - Luke 6:31
Every knee will bow before me; every tongue will acknowledge God. - Romans 14:11
For the Spirit God gave us does not make us timid, but gives us power, love and self-discipline. 2 Timothy 1:7
Go into all the world and proclaim the gospel to all creation - Mark 16:15
It's easy as ABC:
Materials: Laptop, Printer, Paper, Scissor, Double sided tape, Board and Clear wrapping film
1. Search the images and print them out (I copied them into powerpoint to add the wordings)
2. Cut and paste the images using double sided tape
3. Use a clear wrapping film (those for books wrapping) to cover the board. I recycle the board and clear wrap. Just take off the tape on 3 sides of the board to update the images.
You can also laminate the prints and paste on a wall but it doesn't work for us as Emma is super good at peeling stuffs. She even peels her dried skin!
Happy crafting!!!


text: There was a Packers fan with a really crappy seat at Lambeau. Looking with his binoculars, he spotted an empty seat on the 50-yard line. Thinking to himself "what a waste" he made his way down to the empty seat. When he arrived at the seat, he asked the man sitting next to it, "Is this seat taken?" The man replied, "This was my wife's seat. She passed away. She was a big Packers fan." The other man replied,"I'm so sorry to hear of your loss. May I ask why you didn't give the ticket to a friend or a relative?" The man replied, "They're all at the funeral."


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The U.S. Is Leaving Afghanistan, the Taliban Is Growing in Power, and Education for Girls and Women Is Already at Risk
By Atefa Alizada and Amie Ferris-Rotman
July 7, 2021
Published in partnership with The Fuller Project, a global nonprofit newsroom reporting on issues that affect women, and Rukhshana Media, an independent Afghan news agency reporting on women
Before the Taliban started to dominate her district in western Afghanistan two years ago, Nadia was busy. When she was not teaching grown women how to read and write, traversing a patchwork of seventeen villages armed with little more than a few books, she was holding workshops for their husbands on women's rights.
But once the Taliban killed the local governor in 2019 and got wind of Nadia's program, they began sending death threats via religious officials and members of the local government. Once, insurgents shot at her car, narrowly missing her and injuring her husband. Another time, she and her children ran for their lives when armed men opened fire on them not far from her home. She moved her literacy courses underground, and started teaching a handful of women in her home.
But not long after President Joe Biden's mid-April promise this year to withdraw all U.S. troops by Sept. 11, a senior local official reached out and told her to be extra careful, forcing Nadia to make a choice. She decided the risks to her life, and to her family, were no longer worth taking.
Now the 42-year-old teaches no one.
"We are threatened, we are banned from our activities, we are not authorized to work," says Nadia, who asked to be identified by a pseudonym due to security concerns. In late April, Nadia fled her native Zendeh Jan district in western Afghanistan near the border with Iran, banking on anonymity in the bustling provincial capital city of Herat, where she now rents a house.
As the United States and its NATO allies withdraw their final troops and contractors, ending America's longest-ever war, fears are growing about what happens to the country after. Many Afghans say they expect that the Taliban will return to power, either via a power-sharing deal with the Afghan government or through sheer force. The group already controls around half the country, ruling by its own definition of Islamic law. And there is widespread fear that if they do, the Taliban will reintroduce its notorious system of gender segregation from when the group ruled in the late 1990s, which barred girls and women from almost all work, the right to vote and access to education.
Messages of reassurance from Washington have been in short supply. The U.S. last week quietly vacated its Bagram air base, once the epicenter of the American war, without notifying the Afghan soldiers on guard, Afghan military officials said. Speaking to reporters ahead of the July 4 weekend, Biden said "The Afghans are gonna have to do it themselves."
The plight of Afghan women and girls occupied much of the Western rhetoric around the 2001 invasion of Afghanistan, accompanying the stated aim of eradicating al-Qaeda for its role in staging the 9/11 attacks. Educating Afghan girls, a rallying cry of former first lady Laura Bush, in particular, became a U.S. focal point in Afghanistan. Soon after the U.S. invasion, tens of thousands of schoolgirls garbed in black uniforms and flowing white headscarves began attending schools across the country, symbols of tangible progress that are still touted by the international community today.


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From small club shows to arenas, dcb promotions have been promoting concerts and programming live music venues and festivals for over 30 years.
We have delivered many large scale indoor and outdoor events. In 2019 we built from the ground up and promoted four sold out nights with the Specials in the ruins of Coventry Cathedral and in 2021 we promoted a one off Ed Sheeran show at the dcb owned hmv Empire in Coventry. In recent years we have promoted arena shows with James Blunt, Flaming Lips, Editors, Hard-Fi, Biffy Clyro. At club level we have worked with everyone from Damon Albarn, Amy Winehouse, PJ Harvey, The Stereophonics, The Strokes, Candi Staton, Courtney Pine and Coldplay plus many more.
DCB Promotions work with all the major talent agencies and can program events, venues and private occasions with artists from all genres We own and operate the 1500 capacity Coventry Empire set in the heart of the city where we program a mixture of live music, club nights, alternative cinema, comedy and local community events. Recent live music bookings have included Primal Scream, Supergrass, Gary Numan, Midge Ure, Skindred, Sam Fender and Frank Turner.
We also work with a number of high end Tribute acts
DCB have developed many venues over the years including 14 years as in-house promoter at the Bristol Fleece and 5 years at the Bristol Bierkeller. We have expertise in site development in all areas including production, staffing, programming, marketing, health & safety, finance & sponsorship


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It was a rough year for many of us throughout the whole pandemic. Last year after only three months into the pandemic, I lost my mind and did something stupid. I made a pandemic car purchase.
After being trapped inside for three months and only setting foot outside once a week for a Costco run for groceries, I became dissatisfied with my vehicle fleet, which consisted of the '93 Suzuki Carry, '04 Dodge Durango and '15 Nissan Leaf.
I still enjoy driving the Carry, but it isn't exactly comfortable or powerful. Its sprint to 60 MPH is quite leisurely and passing power is lacking. The Durango is a tank and not fun to drive, while the Leaf's range left much to be desired. I started the week researching typical family cars: Mazda CX-5 turbo, VW Tiguan, VW Golf Sportwagen, Buick Regal TourX and anything and everything in between.
However, after buying four brand new cars since 2008, I got tired of suffering depreciation and went a different route. None of the new cars excited me enough to spend $40k on, so I took a different approach—a used luxury car that has already depreciated substantially. Going down the rabbit hole of sub-$20k, high-mileage, luxury cars made in the mid-aughts was probably not a wise choice.
I'll admit that I'm partial to BMW, especially after a brief stint in a 2000 528i touring almost a decade ago and enjoying every BMW press car I had driven, particularly the F3X series BMW 3 and 4 series.
Pandemic Car Purchase: BMW 435i Convertible
I started browsing AutoTrader for 3, 4 and 5 series until I came across an unexpected choice—a '14 435i convertible. It had 104K on the odometer, a color that wasn't silver, black or white and came with the options I wanted—M-Sport package, seat heaters, neck warmers, head-up display and built-in navigation.
I went to check out the car with my best friend James, who's also a devil on my shoulder that stokes the flames of my bad decisions. The car checked out, it was decently taken care of, had an insurance claim because a wheel flew off while merging on an onramp, but was repaired properly and everything worked.
This drop-top had some issues that needed addressing, primarily the oil filter housing gasket, that was a common failure point and an age issue, not mileage. The car was a smidge under $17k—the other convertibles available at the time were in the $27k range with 60k miles and I figured the maintenance needed would only buy me a year or two before I had to fix the exact same things.
I won't sugar coat it; the car carried an MSRP of $68k originally and I paid a quarter of that. Repair and maintenance costs don't get cheaper despite the vehicle's depreciation. I've spent about $6,000 in repairs and preventative maintenance, turning the $17k car into a $23k car, which still puts me ahead.
This was my pandemic car purchase.
Must-Do Maintenance / Upgrades
Things I've replaced myself include:
- The serpentine belt
- Tensioner
- Idler pulley
- Spark plugs
- Ignition coils
- Turbo charge pipe
- Cabin filter and air filter
The bigger projects I didn't want to bother with included:
- The oil filter housing gasket kit (includes some sensors), which I paid a friend to do in his driveway (he was a former BMW San Francisco tech)
- Valve cover (the plastic one cracked)
- Oil pan gasket
- Water pump and window tint—all performed by Accuracy Automotive in Gig Harbor, WA.
The oil pan gasket was a big job that required dropping the entire subframe and a realignment, but it made accessing the water pump easier and reduced the labor costs on that.
Somewhere along the way, my late friend, Bob of Drift Office in Auburn, WA borrowed the car to familiarize himself with the BMW N55 engine and F3X platform. I got the car back a week later with an extra 50hp, 100ft-lbs of torque, better fuel economy and more smiles per gallon on a bone stock car.
After a year of ownership, the experience has been great. We've really enjoyed the car. It was fun going on mini road trips to get takeout and eating it in the car while dine-in was closed. It's nice owning something that doesn't require thought and planning to pass left-lane camping Toyotas. The maintenance costs can be costly. However, at the end of the day, I have a $23k car that makes me smile more than any new car I have paid much more for, plus my wife quite enjoys it.


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Kasoze started the topic Love your vids in the forum Public 8 years, 10 months ago
I just started GW2 cuz of the sale atm.
The only other games I've played are MapleStory and CombatArms. I've been watching some game play by some of your guild members and I was amazed at how they could clutch a 1 vs. x…
Anyhow, keep up the good work and I hope to bump into one of you guys ingame. 🙂
-Mssng #livingthescrublife
Kasoze became a registered member 8 years, 10 months ago


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Parents will often say they would do anything to save their children from danger. One father made the ultimate sacrifice for his.
On June 23, a 24-year-old father named Bradley Christensen proved that he was willing to make good on that statement.
He was engaged to Ashley Gerald, and between the two of them they had five children.
"Three of my children were not his, but he cared so much for my kids that you'd never be able to tell," Gerald recalled. "He was the best dad I've ever met in my life. He stepped in when their dad wouldn't."
This isn't the first loss the Mississippi couple had experienced. Just last year they lost their 3-month-old daughter.
"When I lost my daughter in December, he's the one who performed CPR on her for 35 minutes until the paramedics came," Gerald siad. "He always did say he'd die behind his kids if it came down to it."
The kids loved him. "Since I was working so much, many times he was Mr. Mommy and Mr. Dad 'cause he was always with them. Anywhere he was, they were. They would walk around like little ducklings behind him," Gerald said.
He was outside on that fateful Saturday when his toddler managed to crawl up into a tractor and start it. When he saw what she was doing, he ran after the moving tractor. It would have crashed into his landlord's house, but he grabbed his daughter and got her to safety.
"He ran and grabbed my granddaughter off the tractor and then it sucked him underneath," Louise Gooden, Gerald's mother, said. "Then it hit the porch. It had him pinned underneath and the wheel kept spinning and crushed him."
Even though he was rushed to Stone County Hospital by air, it was too late for the doting father.
"Through anything in life, he was my strength. Things were just getting right," Gerald said. "After we heard the news, my momma said, 'He didn't get to save the first one, so he made damn sure to save this one.'"
His older brother, James, recalled that things were just starting to go well for the young father. "We all had our dark days and he'd just gotten out of his," he said. "He was really trying to get out of that rut, but what really saved him was his kids."
"The way my brother went out, he went out a hero," James added. "He gave his life for his daughter. That just shows how much being a father meant to him."
"If Bubba didn't do anything else right, he always took care of his kids," the older brother admitted.
The 3-year-old girl may not understand what happened to her father now, but she'll grow up reminded that he loved her more than life itself.


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IVF Cost
In vitro fertilization (IVF) can increase the chances of pregnancy and live birth, but some people worry about the cost.
Drs. Nurit Winkler and Marc Kalan can discuss your concerns and find ways to make fertility services more affordable.
Come to our fertility clinics serving Encino, Bakersfield, and Los Angeles, CA, to find out how much an IVF cycle will cost you.
How Much Does IVF Cost?
IVF costs can be difficult to generalize since each treatment is unique to the reproductive needs of the individual patient. On average, one cycle of IVF treatment can run $7,000 to $14,000.
These fees typically cover the costs of the IVF procedure (retrieving eggs, inseminating eggs, and placing them into the uterus), as well as lab work, ultrasounds, embryo storage, and anesthesia.
Does Insurance Cover IVF?
Generally, no. Insurance companies may cover some forms of fertility testing and evaluation, but it's rare that that insurance will cover the cost of IVF treatment.
Factors That Affect IVF Pricing
Fertility Medications Used
The amount and types of medication required throughout IVF treatment will vary from patient to patient. These drugs help with egg production, follicle growth, and other aspects of reproduction.Types of Tests Performed
Patients who undergo IVF will need to have fertility tests, genetic tests, and other forms of testing performed throughout the IVF treatment process.Use of Donor Eggs or Sperm
When using donor eggs or sperm in an IVF cycle, cost factors, including donor compensation, need to be considered.Intracytoplasmic Sperm Injection (ICSI)
In order to address poor sperm motility, our fertility doctors can perform ICSI to ensure fertilization. This procedure typically adds $1,000 to $2,500 to the overall treatment cost.Fertility Preservation
Viable eggs or embryos from an IVF cycle may be preserved for later use. The cost of cryopreservation can vary. We can discuss freezing eggs or embryos during your consultation.Cost-Saving Options
While most insurance plans do not cover IVF, some parts of the procedure (monitoring or medications, for example) may be fully covered or partially covered. Our financial department can help you navigate your insurance policy and may be able to find some coverage for the infertility services you require.
Financing and Payment Options Making IVF More Affordable
Treatment Packages
Los Angeles Reproductive Center offers multi-cycle treatment packages for patients, which provides some peace of mind and potential savings in case of a failed initial IVF treatment.
Financing Options
Our fertility clinics work with several private third-party lenders that offer loans and affordable financing for infertility treatments.
Payment Plans
Progressive payments plans are available for qualified patients who need help covering the cost of treatment.
Grants and Charity Programs
Los Angeles Reproductive Center is always striving to give back to the community. We often partner with fertility charities that can provide discounted services to qualified patients. If any low-cost IVF opportunities are available, we will share these options with you during the consultation process.
Is IVF Worth the Cost?
Offering Patients Hope
If you are unable to have a baby because of your struggles with infertility, IVF treatment may be the right option to experience the joys of pregnancy, childbirth, and raising a child.
Investing in Your Family
It's difficult to put a price on building a family. For many of our patients, having a child of their own after struggling with infertility is priceless.
If you've wanted to have a child, our fertility specialists can answer any questions you may have about IVF treatment and if the benefits are worth the price tag.
Helping People Experience the Joys of Parenthood Patients Throughout Los Angeles Share Their Stories
After 18 years of fertility treatments we decided to give Dr. Kalan a try. Started our journey 12/2018 and by May 2019 we were FINALLY pregnant. I can't thank the wonderful staff and Dr. Kalan for our beautiful miracle.
View on GoogleI came here and let me tell you dr. winkler is the best. I had infertility issues for years. I thought I wasn't going to be able to have kids and thanks to her I conceived within months with injectable medication and IUI. I am very happy now I'm 17 weeks pregnant. The staff was also nice very understanding. I recommend this place if you're trying to conceive, give them a try
View on Google


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Sturgis, SD – As part of SD Rep. Kristi Noem's Listening Tour, Congresswoman Noem met with approximately 40 Sturgis and Meade County business leaders on June 20, 2011 to discuss economic development and job growth issues.
After presenting a PowerPoint overview of national economic development issues and the current debt status, the Congresswomen quickly moved to local business development topics, such as DUSEL funding, tourism/gas prices, alternative energy development, education system, and infrastructure maintenance and development.
In response to questions concerning the future funding and status of the DUSEL lab, Noem stated that although funding has been a priority for quite some time, there has only been enough secured for maintenance. "We're very concerned for the underground lab and recognizing the impact that it has and making sure it is moving forward," Noem said.
Pat Kurtenbach, President of the Sturgis Economic Development Corp. (SEDC), asked Noem about local infrastructure development and maintenance. Noem responded that the transportation bill would hopefully be re-activated, thus providing funding to fix deteriorating national infrastructure. "That is a funding concern, and the fact is that it's deteriorating and we can't keep it up and the funding just isn't there," Noem said.
Peter Pi, owner of CorBon, implored Noem to be vigilant in protecting the firearms industry and vote against legislation that restricts the right to bear arms. Firearms is a fast-growing industry in South Dakota, due in part to restrictions in other states.


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If you're a
"Put simply, citations are mentions of your business on an external website such as a local listing service. Local citations are primarily comprised of your business's name, address, and phone number, commonly referred to as your NAP."
Even if your business website does not receive links from these sources, they're still incredibly important since citations can improve search rankings, drive traffic to your site, establish you as a member of the community and build trust among potential customers.
Because local citations can have such an impact for local SEO, it's in the best interest of your business to get on board. That's why you should utilize the following four tips to improve your local listings.
1. Verify NAP Consistency
NAP is simply an acronym for 'Name, Address, Phone' and it's the best place to start for improving your local citations. In fact, your NAP will improve your local SEO with search engines like
To avoid any confusion, be 100% sure that your business name, address and phone are consistent everywhere. That means if your actual business name, address and phone number is:
- Dallas Car Repair
- 123 New Street
- Dallas, TX 75032
- (214 )555-5555
Then that same exact NAP has to appear on all of your listings. Some of the most common forms of inconsistency come when there are variations, like St. for Street for example. You must make sure that everything across all listings is EXACTLY the same.
2. Get Cited
Obviously you need to get cited. But, with so many options available, where exactly can you start? My good friend, also known as "The Local Queen" Bernadette Coleman suggests that you begin by exploring the following three citation sources:
- Better Business Bureau - The BBB has been around for over 100 years and should be considered since "it shows customer service, ethical business practices, and is the overall symbol for excellence."
- Yelp - This extremely popular online review site is important to be a part of since it "can help build your online community as it allows you to interact with your customers by responding to reviews and offering various deals and specials."
- Angie's List - Since 1996 Angie's List "has become a necessity for boosting your business and getting referrals from customers and increasing your business on search engines."
If you're looking for more local citations, then you should head over to Moz and check-out the best local citations by category.
3. Work at Getting Local Links
Unlike verifying your NAP and joining relevant local citation sources, you don't have as much control over links from local sources. However, these are just as important as
Web Marketing Today has put together 15 activities that you should consider for obtaining local sources. Some of the highlights include:
- Joining local chamber of commerce.
- Local networking groups.
- Hosting an event.
- Sponsoring a local charity.
- Getting interviewed by local media.
4. Tools of the Trade
Finally, make your life a whole lot easier by using the following tools to help improve local citations.
- Local Site Submit: This service will boost your local search engine rankings, as well as help you gain local backlinks, citations to improve Google Places ranking and submission to the top data aggregators.
- Moz Local: For $84 a year, this service from Moz will make sure that your business listings "are correct, consistent, and visible across the web."
- Factual: This service "provides location based mobile personalization and ad-targeting solutions along with data cleaning and mapping services."
- Express Update: Offers free and premium services to help local customers discover your business.
- Acxiom: One of the top data aggregators that can help your business deliver personalized customer experiences.
- Neustar Localize: Another powerful data aggregator that can verify, organize and map local listings.
- Local Report Tool: One of the best tools out there since it will monitor social media accounts and issue reports regarding keywords, local directories and the competition.
Local citations are key to your local business growing online. Make sure that everything is the same and if you move addresses that you change your citations everywhere. Local citations can drive enormous amounts of foot traffic into your local business.
Any other tips you have for readers looking to improve their local listings?


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The Bible is the manual of life. It is God's word, His standards and instructions to us. The Bible is a living Word to instruct and educate us on how to live and prosper in the midst of all challenges.
The manual of life has a lot to say about money. But allow me to say that sustainable living can only be sustained by hard work and diligence. Jesus says "My Father works and I do work also". There is no alternative to work for everyone that wants to have an abundance.
Personal finance is talking about managing your monetary resources to create wealth. Every budget looks first at the income side to see what inflows you have to manage and how to manage such an inflow to achieve the target you have in the interim and in the future.
So, the first question is: What is your income, and when is it received? How many streams of income do you have, through which financial inflows get to the person and how can you increase your inflow, in order to increase your lifestyle.
The Bible did not expressly speak about streams of income, but it talks about working hard and being generous towards God. But, even in working hard, the Lord advised us not to labour to be rich. In Prov 23:4, the bible says - Labour not to be rich, cease from thine own wisdom. It means let not riches be your main purpose for working or labour, otherwise, it could lead to a lot of evil, for example, Greed, deceiving people, stealing and cheating.
Before discussing the first principle, which is Labour or working hard, and managing your resources well, I want to bring our attention to the word of God in Ecclesiastes. In Eccl 9:11, King Solomon says "I returned and saw under the sun, that the race is not to the swift, nor the battle to the strong, neither yet bread to the wise, nor yet riches to men of understanding, nor yet favour to men of skill; but time and chance happeneth to them all.
This is a caution that human efforts can fail, no matter how brilliant an idea or a person can be. so work hard, then pray for divine favour. Led the hand of God be seen in your works and business, seize from your human wisdom.
Labour of your hand
Have faith in God and work hard for your income. Labour works and the bible has a lot of words of encouragement for man. Apostle Paul says to let the person who does not work eat not. Prayer can provide encouragement and support where there is labour. But, if you do not labour, there will be no harvest.
Imagine a farmer who refuses to plant his seed during the farming season, he cannot be hoping for any harvest. Every expectation of harvest is based on the fact that a seed has been planted on the ground that will produce the harvest in due time. You even have to weed the farm, add fertilizers and fumigated the farmland to be sure of a good harvest. Labour is very important to success.
When it comes to finances, people often go from one extreme to another, but the Bible makes it clear that the diligent man or woman will dine with Kings. Prayer has its place, and Labour has its place also. Apostle Paul was a Tentmaker and believers must be doing something that God will bless.
Labour is what is in your hands that God will bless, but if there is nothing for God to bless, your finances will suffer and the person may be in lack. Here are some scriptures about diligence and labour.
Scripture on Labour and Diligence:
1. Say ye to the righteous, that it shall be well with him: for they shall eat the fruit of their doings.Isa 3:10
2. Prov 14:23 - All hard work brings a profit, but mere talk leads only to poverty.
3. Prov 21:5 - 5 The plans of the diligent lead to profit as surely as haste leads to poverty.
4. Prov 23:4 - Labour not to be rich: cease from thine own wisdom.
5. Prov 21:5 - The thoughts of the diligent tend only to plenteousness, but of everyone, that is hasty only to want.
6. Prov 10:4 - 4 He becometh poor that dealeth with a slack hand: but the hand of the diligent maketh rich.
7. Prov 13:4 - The soul of the sluggard desireth, and hath nothing: but the soul of the diligent shall be made fat.
The Bible doesn't use the term budgeting, yet it offers clear illustrations on the importance of planning and organizing your resources before any major project. In Luke 14:28-30, the bible says: "Suppose one of you wants to build a tower. Will he not first sit down and estimate the cost to see if he has enough money to complete it? For if he lays the foundation and is not able to finish it, everyone who sees it will ridicule him, saying, 'This fellow began to build and was not able to finish.
Budgeting helps you to avoid impulsive spending, and every other necessary expense you have not prepared to incur. It helps you to be financially disciplined and live within your means. There are two types of budgets that may be relevant here. The personal budget of the man (Husband and his wife) is separately drawn according to their monthly income and expenses. This is necessary when the couple is working and there is a need to save money for future investment.
Personal Budget
The personal budget is to ensure you have enough money left in a month for savings and investment. That budget will spell out the amount that should go into the savings or investment account monthly, your transportation, Feeding in the office, entertainment and domestic household expenses. Proverbs 27:23 says, "Be diligent to know the state of your flocks, and attend to your herds." In other words, you need to be aware of your stock of goods, income and expenses and make necessary provisions.
For the men, the budget will help you cut off some types of office entertainment that take a lot of money away. Eating with friends and paying for their food. There are special meal joints, where they serve some combination of food, Pepper Soup and drinks etc. This is not the normal 'Lunch' meal that workers eat during break time, the men will understand. It cost a little more and you may decide to avoid it for two to three years in order to save for an important project.
A budget is not complete without looking at incomes. One thing a man should work hard and pray hard for is to have one or two other streams of income outside the monthly salary. If you are in paid employment, your first investment target should be one that brings additional income to you. This side business is important to secure your future.
The steps to establishing a viable second income stream are not so easy and straightforward. You will have to do some business surveys and research to identify a business idea that is profitable and sustainable. Seek people doing the business at the moment and know what challenges they are facing. Make sure you identify the critical success factors for the business. You also need to identify the factors that could destroy the investment.
Because you are not the person that will manage the business on a day-to-day basis, you need a business that others can conveniently manage for you successfully. You can think of business along with your professional career or training. You should consider the nature of your work and location because both factors could affect your ability to monitor what is going on in the business.
Household Budget
To set up your household budget, figure out how much you spend each month for different categories of expenses. In Africa here, we have a different way to manage the household budget. The women would prefer to buy kitchen items and staple foodstuffs in bulk. Food items like Rice, Beans and Garri are bought in bulk. Consumables like tissue, flour, beverages and similar items are bought in bulk. Even though meat is actually bought in bulk, up to a month's worth of stock was bought by women and stored.
When all these are bought in bulk, the only things left will be fruit, vegetables, bread and water. A good way to start household budgeting is to record every item and quantity purchased at the beginning of the month - Bulk items and note the total amount spent. The woman knows the quantity of beverage the family consume monthly. School bus and similar expenses are paid with the school fees.
Fuel for the cars is never part of the monthly household budget, but gas or fuel for the Generator is added. For wealthy homes, a provision is made for entertainment in a month. It could be for fast food and other evening outings for the family. It could be to stock drinks and wines, the type the household appreciates etc. Women should be given free hand to draw the household budget and implement it.
Once you've established your budget, use either a ledger or a budgeting program on the computer to start tracking your monthly expenses. "If you get to the point where there's no more money left for the month in a particular category, you may take money from a surplus area to cover an important item.
The most important part of the budget is to make sure that every expense is tracked and documented, no matter how small it may be. It's going to take some determination to do, but once you master the process, you can be sure to get your finances under control.
The top priority on our income, before we do anything else with it, should be God's tithes. God says in Malachi 3:10, "Bring all the tithes into the storehouse, that there may be food in My house."
A tithe is 10 per cent of a person's "increase" (Deuteronomy 14:22), which is given to support the ministry and work of the Church. When we tithe, we show God that we are putting Him first in our lives. Certainly, God doesn't need our money, but the money is required to support His works on earth.
The real beneficiaries of tithing are the people that pay the tithe because there is a blessing attached to tithing. In Malachi 3:10 God makes the promise that when we faithfully tithe, He will "open the windows of heaven, and pour out such blessing that there will not be room enough to receive it."
The blessings can be physical or spiritual. Tithing can also help us learn to trust God more fully and build a closer relationship with Him. Often people who tithe can think back on times when—at least on paper—it didn't look like they could afford to tithe. Yet they did and had enough—sometimes even more than enough—for their physical needs.
Tithing opens us to heavenly ideas that lead to prosperity. If we continue to tithe, the idea is excellently executed and financial blessing starts to enter your hands and continues until you don't have space to contain it. Tithing and the blessings attached to it is real when we tithe continually and on every increase we receive. Anyone paying tithe and suffering lack has serious prayers to say. It means there are curses in the operation that has to be broken.
This is another biblically-based financial principle. Proverbs 21:20 says, "Be sensible and store up precious treasures—don't waste them like a fool" (Contemporary English Version). Proverbs 6:6-8 describes the ant, who saves during a time of plenty for a time when there will be need. We, too, should save now for future expenses.
Financial planners generally suggest saving at least 10 per cent of your income every month. Saving up money before making a purchase is one of the smartest ways to keep out of financial trouble. What you don't have money for, don't buy or borrow.
One of the strongest bible references for giving is found in 1 Timothy 6:17-19, which says " Command those who are rich in this present world not to be arrogant nor to put their hope in wealth, which is so uncertain, but to put their hope in God, who richly provides us with everything for our enjoyment.
Command them to do good, to be rich in good deeds, and to be generous and willing to share. In that way, they will lay up treasure for themselves as a firm foundation for the coming age, so that they may take hold of the life that is truly life.
Everything we have—our money, physical assets, jobs and even the ability to earn money—comes from God (Ecclesiastes 5:18-19). God wants us to be liberal with what He has given us. The Bible says the liberal heart shall be made fat, and the rich should learn how to give, share and communicate. 1 Timothy 6:17-19.
The rich fool's heart was required the moment he saved all his goods for himself, instead of giving to God and others. Don't be mean towards God, instead be rich towards God and the work of God. Build your treasure in heaven, for where your treasure is, there will your heart be.
In Acts 20:35 Paul quotes Jesus as saying, "It is more blessed to give than to receive." Give with love in your heart, otherwise, you have no reward. Give sacrificially and unconditionally to others, including those who have nothing to give you back in return.
Avoid borrowing
The Bible warns against the use of debt. Proverbs 22:7 states, "The rich rules over the poor, and the borrower is servant to the lender." If you become burdened with a heavy load of debt, in essence, you've become a slave to your creditors. You no longer have the freedom to decide how to spend your paycheck because you're obligated to meet those debts.
The way to keep debt in check is to be careful about buying on credit. Don't take bank loans for nonessential items that are likely to depreciate quickly, such as new automobiles, clothing, furniture, appliances or jewellery. They are called downward investments.
It is a duty every Christian has, to identify biblical principles for living and working. You should anchor your faith in God and His principles and instructions. I have discussed some of the financial principles in the bible, but there are still more.
By committing to these financial principles, we will benefit from improved finances and financial peace of mind. There will be less tension about money at home.


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Changing Email Server Settings in Outlook Express
- Click Tools in the menu bar to bring up the tools menu.
- Click Accounts in the tools menu to open the Internet Accounts window.
- Click the 'Mail' tab in the Internet Accounts window to only see email accounts.
- Click your Lawyers Online email account.
- Click Properties to open the Account Properties window.
- Click the 'Servers' tab to see the servers settings.
- Make sure that your Incoming mail server is set to securecollect.lawyersonline.co.uk.
- Make sure that your Outgoing mail server is set to securesend.lawyersonline.co.uk.
- Ensure the 'Log on using Secure Password Authentication' box is NOT ticked.
- Click OK to close the Account Properties window
- Click Close to close the Internet Accounts window
After you have followed these steps your computer will have the correct settings for your Lawyers Online email facility.


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Want to turn your home kitchen into a business? We'll in almost every state you can, but there are some things you need to know before you start!
Always remember to protect your private property from potential lawsuits by incorporating yourself and keep your business separate from your personal life!
Check out Inc Authority ONLINE create your LLC for your food business in minutes! ANYWHERE!
One of the most profitable food business ideas to run in 2020 is a home-based food business. Or as it's known a cottage food business and this video, I will give you all the information you need to know to get your food business, home-based bakery or candy business up and running in the state of Georgia. And we're going to get to it right there.
Check out Inc File where you can incorporate that home-based food business in minutes for a low price START HERE LLC.
All right. So in the state of Georgia, it can definitely be a profitable food business starting from home. And for the biggest reason is, well, it's from your home. Um, having a minimal investment right off the bat can be a huge incentive to start any small business. And when I started my retail bakery, of course, one of the biggest expenses was the rent. So when it comes to using your home as a small business to begin with, it's absolutely genius. And the multitude of tax benefits also are enormous when you operate a home-based food business, but definitely check with your accountant about that. So let's get into exactly what is a cottage food business in the state of Georgia and what are you able to do and how do you get it started? What are the necessary requirements? So I'm going to give you a general, uh, understanding of what you need to do.
But after you get your business license, you definitely want to look into some food producers, insurance. And if you're going to use your automobile, uh, in any of this type of, of, of transition, or if you're working for anything where you're dropping off ingredients or picking stuff up for your business, check out a commercial auto insurance policy as well, that's going to be something that's going to be a huge asset for your business. Um, so where can you start? So I'm going to give you the six steps to do this. And the first one is going to be, where can you sell? That's a great question. So once you create your product in Georgia, you can do events like farmer's markets, roadside stands, you can sell online, but you have to actually do the transaction with the individual itself. So if you sell a product, you have to transact it.And then down in the description below the video, check-in the description section, and I'm going to put a few links to the Georgia website, that'll help you understand more particularly about what else is needed and what you can do. So let's get into it and figure out exactly what you can and can't do. So it's the state of Georgia. It's a little bit of a challenge at first because you do have to get a business license. You have an application and a home inspection as well, and you do have a course such a training course that you have to take. Um, and I believe it's a food handlers course, and we'll check that out in one second. I'll get into details about that, but those are the four main things that you definitely want to do. Now, I personally would recommend, um, liability insurance for your, uh, your LLC or however you want to form your business.
You got to give it directly to the end-user. You can't do like as far as restaurants or wholesale or a third party, who's going to resell the product itself. Um, that's something that's not allowed. So you definitely want to look into that. You can also do home sales, where you produce the product, and if you're comfortable with strangers, I mean, obviously they are, but if you're comfortable with customers coming to your, you can definitely have them come to your house and pick up a food product that you're producing there as well. Now, some of the prohibited or, uh, venues and avenues that you can't sell to, like I just mentioned briefly, wholesale is not a type of business that you can do from home. You'd have to be in a commercial kitchen for that. Uh, restaurants and retail stores is also a, another Avenue that can't be done from home, just because it's going to be considered a third party until that restaurant or store sells it then to another customer.
So there'll be three people involved in the transaction that is not allowed. So next up we have, what types of foods, step two, what kind of food can you sell? Well, it's actually pretty big to list, to be honest with you. And again, I want to refer to that link in our description for much more detailed, but here's a basic understanding you could do cakes, um, sweetbreads and scones, muffins, and brownies, uh, cook cookies, bread, um, candies like brittles fudge, cotton, candy, truffles chocolates, um, actually even condiments like vinegar, uh, dry goods, like mixes, dried fruits, herbs cereals, uh, dried vegetables and even spices. And as I mentioned in a lot of my other videos about cottage food businesses, um, spice businesses are hugely profitable because of the fact that the ingredients are so cheap. So starting something like that from home is a huge, huge thing you should think about if you're not even in spices and you want it to get into the spice business, it's definitely wanting to do from home.
you can also do pies and pastries, but keep in mind when you do pies and pastries that they can't be refrigerated or considered potentially hazardous food products. So if their time or temperature-sensitive, it's definitely a product that you can't do from home, but there's a huge variety of other pastries and pies and things of that sort that you can do, and definitely sell them locally jams and jellies and preserves snacks like caramel, corn, granola, popcorn balls, uh, nuts and seeds, crackers, and pretzels, and chocolate covered items. Those are also allowed as well. Now, as far as the limitations, let's take a look at some of the restrictions. Okay. So step three was going to be the restrictions and limitations that you can't. There's a great thing about the sales. There is no sales limit, which is fantastic. So you can really, really leverage your home and create a really full blown business with no sales limit on the amount of money that you can sell. Now, you can't use, though, when it comes to your kitchen, you can't have pets or anything of that sort, uh, or they're kind of restricted when it comes to having them in that area. So when you're working for your cottage food business producing products, make sure there's no pets, no other what they call domestic activity.
And also known as interstate sales, those are prohibited. And what that means is I'm selling a product from your state to another. And again, that would be almost something that would be online, which again is prohibited, but you, you can't actually transact outside of your state. And if you're working in a home-based kitchen, it to be a noncommercial equipment, you can't necessarily have a 300 pound bread mix or a dome mixer in the middle of your kitchen. That's something that's not allowed. You would have to get into a commercial space to do that.
On to the legalities. Like I mentioned, in the beginning, the business legalities, what is it? As far as business licensing thing, you have to definitely have one of those. The, uh, operator must apply for a business license. Um, in specifically the County that you are in the Cal TB permits department. And normally it's between about 50 to a hundred dollars for those types of permits, but you definitely need to have a business license. Now, the two things that are really super important are the next two. If you're off of a, well, if you're dealing with, on your property, you're dealing it with water that comes into your house from a well, the well has to be tested. Okay? So if you have a private, what's known as a private water source, if you have that, you're going to definitely need to have that tested. Even if you're on a private sewer system that has to be inspected as well. Why is that important? Well, here, here's why, because when you are dealing with equipment that you're washing and cleaning and sanitizing in your kitchen home, and you're producing food for the public, the local offices, the local departments when County departments want to make sure that that water is not tainted, that the water is clean enough for you to be cleaning utensils, pots, and pans that are gonna be,
We used to
Food products for people to consume. So they want everybody to be safe. Okay. And that even includes your, your sewer water, your sewer as well. If you're on a private sewer. Now, the next thing you have to do is you have to get a N S I accredited food safety course, something that similar to like the surf safe, uh, which is actually an online courses. And they're running about 125 bucks. And those are courses that will teach you everything about food, sanitation, how to handle food, how to package it, prepare it and hold it and all of that good stuff. Um, so next step would be your cottage food license. So in the state of Georgia, when you get that cottage food license, the license itself is around a hundred dollars. If you actually incorporate yourself and you get the license after June 30th, the fees around 50 it's about half that it's about $50 for the, for the rest of the year, but it's something that has to be renewed annually. Okay? So keep that in mind too. Next step is your home inspection. So now once you get this set to go and you get to, before you get to license, you need to contact the department of agriculture and they will set up an appointment to actually have the cottage food inspection of your kitchen and the area that you're going to prepare the food. So do keep that in mind as well.
Well, now
Next up. What about food insurance? Yes. As I was speaking earlier, step five is going to be food business insurance. Now not every state requires you to have insurance policy for your food business from home, but I highly recommend in order for you to be financially safe and safer than, sorry, to be honest with you, you need to have some type of food business, producers insurance. Now there are programs like the flip program.com that actually sells, um, uh, home-based food policies. And you can actually get a policy. We're going to dive into which you can and can't do it and give you some tips. They gotta find out it's about $500 a year can really dictate exactly how definitely Bayer can prepare her. So get yourself some insurance for that truck now really quick. I want them to jump them. Lastly is number six. How do you layout what exactly is a commercial kitchen?
Because I know many of you made not selling this shelf has a different type of label, never worked in one number one from allergists. So basically make sure that on base six major allergens outside of your home, outside of your business address, and it's a licensed facility, it needs to be on the label as well. Inspected by once you create a name for your business, you gotta have that name fully set up. Kitchen grease, no Brady equipment got to make sure people know what is your side of it? What are the storage area, net, all the equipment that you would need inside. If you're selling a product by weight, you would actually went on a set is the way that the product minus any package, transport that you have truck [inaudible] menu on your food truck. Now the product name Sarah's chocolate chips, a young lady who was tasking, actually she needed to could prepare.
And then lastly, you want to have a statement that says, basically our product is producing an uninspired. This is going to be dictated on this, the whole city and the County. You want to make sure that that has how they set up a disclaimer produced and to make it more it's actually every city and County commercial entity it's produced home in some cases, commercial. So trucks, these are some really great basic outlines. What you can can't wire to get yourself up to the commissary kitchen information, definitely click on this. They were not allowed to prepare food video with truffles prepared. I will see you guys on the next video and slicing and cutting and getting all that pro all the ingredients together. So if you're looking to start your own food business, check out these videos for more resources, whether you want profitable food, business ideas, other cities, and how to start a food truck business can use it as an option. All about cottage food laws create a home business for selling food truck itself and how to start a catering business from home. So you do have to do many more small food business ideas are all at your fingertips. When you subscribe to marketing at online.
Here are some more resources to help you get started !
Food business Tax Exemption https://youtu.be/wN0Hwh8wUIY
Selling food at Farmers Markets https://youtu.be/ojDSmIQiQnY
The $200,000,000 Dollar Jerky Business Success https://youtu.be/EfuZhLWJIoU
Selling Food on Ebay https://youtu.be/oditO05Fq8Y
Getting an investor for your food business https://youtu.be/pTx3u18EB1c
6 Tips for a successful Catering Business https://youtu.be/GSwPdTn4eAE
10 Questions to ask a Co Packer https://youtu.be/6wFLrC3TJQ4
5 Reasons to NOT sell to retailers https://youtu.be/A0HqyVqNOjI
NEED HELP WITH PACKAGE DESIGN: http://bit.ly/2LWufYe
NEED HELP WITH A FOOD LOGO: http://bit.ly/2LcO9i7
NEED HELP WITH A FOOD PACKAGE DESIGN: http://bit.ly/2LcO9i7
NEED HELP CREATING FOOD BUSINESS PLAN: http://bit.ly/2LcO9i7
NEED HELP CREATING A MENU DESIGN: http://bit.ly/2LcO9i7


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It's not about us. If you're like me, you opened up Fr. Jenkins' email Wednesday with a bit of dread even if you knew what was coming. On the basis of CDC recommendations and following the footsteps of other universities around the country, Notre Dame was to be online for the duration of the semester — devastating news for us all. Before I continue, my heart goes out to the seniors who will forever have lost their final weeks of memories. No matter how you're sent off, I am sure you'll make us all proud. This announcement, and the other state and federally mandated directions, will undoubtedly lead to disruption of our typical lives. How that disruption manifests is up to us. Scrolling through social media in the past 72 hours, I have seen a whole spectrum of responses: fear, anxiety and ignorance. There are those that are excited to have time with family, those that went on their spring break regardless of best instincts and those that are unsure if they can even return home at all. What I ask of each of you today, is to know that however these next eight weeks turn out, it's not about us. We, the majority of Notre Dame, Saint Mary's and Holy Cross students, in addition to college students and millennials all around the U.S. are young, healthy and enter each room with a strong immune system. Yet, each of us are surrounded by those who do not. I think of my grandparents and elderly family, of my recently born nephew, of those community members in my hometown of Middleton, Wis., especially fearful due to being immunocompromised. Each of their livelihoods are directly impacted by the decisions that the majority — the herd — makes concerning social distancing and quarantining. As you check your phone tonight, fielding GroupMe and Snapchat messages persuading you to hit the town with your high school buddies, I urge you to think of your community members who are too scared to leave their homes right now. Even though early data from Italy and China suggested those under 55 were nearly immune, recent reports from France, Spain and New York are demonstrating the risk to those between the ages of 20-55. Still, just because we are at a lower risk of contracting COVID-19, doesn't mean we can't pass it on to others. Enjoy your time off, take advantage of some moments unplugged from the world, and remember to make each decision like the health of your grandma — or mine — depends on it. Social distancing works, but it takes a societal commitment to do what's best for the whole, rather than what's most fun for the few. If you're interested in more information so that you can keep yourself and those around you informed, I urge you to look into the latest CDC announcements, follow reputable physicians and scientists on Twitter such as Ronald Klain, Celine Gounder and Trevor Bedford. Happy quarantining!
Alex Nisbet
Mar. 19


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When did you join Lobster?
September 2020
Describe your role in a nutshell...
I work within the Lobster Client team, supporting clients in delivering shopper marketing campaigns within retailers. This is from campaign planning to media buying through to evaluations of these campaigns. A big focus of my role is to help clients in improving their shopper marketing capabilities through using our Shopper Marketing tool Plan-Apps to shape a campaign, choosing the right touchpoints which align the overall strategy and gains a positive return on investment for clients.
Tell us what you enjoy most about working here?
My colleagues! Since joining Lobster and SMG, I have felt really welcomed into the team and company. Everyone is really helpful and chatty so it's a great environment to work in.
What aspects of your role keep you challenged and curious?
In my role at Lobster, I am able to work on a number of client projects which means everyday is different and I am constantly learning new processes and ways of working.
Which of the four SMG values resonates most with you and why?
The SMG value that resonates with me the most is 'stay hungry'. I think it is important to be continuously curious and eager to learn, develop and improve personally and professionally.
What is the most useful piece of advice you've received since joining SMG?
No question is a silly question. Don't be shy to ask anyone a question as everyone is so willing to help.


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Christmas will be different for many families this year who may only be able to gather in part due to Covid-19. Some may be mourning the death of a loved one due to the virus while others may be trying to overcome their loss of income. Henrietta Decruz knows what it is like to overcome grief at Christmas by finding a reason to rejoice.
I recall a Christmas when I had every reason to mourn and to cry my heart out because my brother had died in an accident that year. Tradition said, "Don't celebrate Christmas because there has been a death in the family". Some of my family members followed this tradition so there was a shadow over our home and the gloom of mourning. However, I refused to live under that shadow. Now you may ask, "Didn't you love you brother? How could you?" Before you condemn me, let me explain…
My Lord Jesus came into this world for our salvation. Salvation is the gift that gives mere mortals like us 'eternal life'. If it were not for Jesus every one of us would have perished – meaning that when we died – our souls would be destroyed and have no more hope. But Jesus changed all that.
He, who lived in the unimaginable splendor of Heaven and had all power and authority over everything on earth, didn't have to come down and become a mere human being at all. But He did. He did it because that was the only way to save mankind from the consequences of the sin of Adam and Eve.
God created man to live forever eternally but sin disqualified him from it. God made a plan to save us from eternal destruction and that is where Jesus fits in. He came to be the blemish-less sinless 'sin offering' – the 'Lamb of God' who would be offered on our behalf, for our sins. We all know that a man like Jesus who didn't do a single thing wrong had to die the death of a criminal on a cross – condemned and humiliated.
He who had power over everything chose to die that day so that His death would become the atonement for us. The good news for human kind was that three days after his death He rose again. Death came into the world after Adam and Eve's sin – it was a consequence of their sin. Jesus hadn't sinned at all so that consequence had no effect on Him.
Death had no power over Him and He rose again! With His rising from the death He became the beautiful door through which anyone who wishes to forsake his sinful nature can walk through and go to Heaven blameless!
My brother Noel had accepted the Lord Jesus as his Savior. Just days before his accident he had stood up in church and asked for forgiveness of his sins. In doing so he was washed in the Blood of Christ. If it were not for my Lord Jesus, my brother would have been dead forever – but he is not dead…his soul lives!!!
All of us are going to die sometime or another. But I can now live with the hope that when my time on earth is over I can meet him again in Heaven and I rejoice that I haven't lost him forever.
What Christmas means to me
It was on that first Christmas night that the beautiful miracle of Salvation began to unfold through the birth of Christ. How can I not celebrate the birth of the Saviour of all mankind who gave His all so that we could live? If Jesus were not there, I would mourn all my life because there would be no hope for me or for anyone else.
But Jesus is here and He is alive, He is my hope, my joy and everything to me. He has wiped my tears every time I have cried… though I have lived among family, none of them knew the grief and pain I have borne in the years gone by but Jesus knew and He was with me!
He has answered countless prayers I have prayed for all my loved ones… so who am I that I should complain to my Lord? Hasn't He done all that could be done to save our souls?
Yes I grieve… I grieve for all the countless people who live without hope because they do not know Jesus. I grieve for all those people who have no idea about this wonderful gift that Jesus has given them freely. I grieve that there are people who say they know Him but live like those who don't know Him at all.
Knowing Jesus personally changes you forever… you will never be the same again. If you want to know Him for yourself you just have to say this prayer and mean it.
A prayer to receive Jesus
Dear Jesus, come into my heart. Please forgive me for all my sins. Thank You for Your gift of salvation. I accept You as my Saviour, please reveal Yourself to me and teach me to live a life that is pleasing to You, Amen.
Friends, this Christmas and always, let's remember that He is the single greatest treasure of our lives… a treasure we would love everyone to experience. Let's celebrate Jesus, the one blessing that is the fountain of all blessings in our life!


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January 2, 2024 13:59 pm
MORANG, Jan 2: In the vicinity where an elephant was fatally shot on Monday morning, other elephants have wreaked havoc during the night, causing damage in the area of Purbanchal University situated in Sundarharaincha Municipality-7 of Morang and its surroundings.
March 26, 2020 16:40 pm
NEW YORK, March 26: U.S. deaths from the coronavirus pandemic topped 1,000 in another grim milestone for a global outbreak that is taking lives and wreaking havoc on economies and the established routines of ordinary life.
July 18, 2019 16:30 pm
KATHMANDU, July 18: As many as 90 people so far lost their lives in landslide, flood and inundation across the nation due to incessant rainfall that took place last week, according to the National Emergency Operation Centre of the Home Ministry.
July 24, 2018 17:26 pm
BAITADI, July 24: Monsoon-induced floods have wreaked havoc in the Simar village, leaving as many as 22 families at risk in the district.
July 22, 2018 08:44 am
KATHMANDU, July 22: A farm that is a major supplier of cut flower to the capital city has been badly damaged by the recent floodwater in Punyamaa rivulet, in Shrikhandapur of Banepa Municipality.
July 14, 2018 12:39 pm
JAJARKOT, July 14: A landslide triggered by incessant rains this morning at Kayakhet of Nalgadh Municipality-8, Jajakot buried paddy cultivation spread to a large scale.
July 14, 2018 09:50 am
SHANGHAI, July 14: Heavy rain and thunderstorms are wreaking havoc across China, with floods along major rivers destroying bridges, blocking roads and railways and forcing thousands of residents to evacuate, state media reported on Saturday.
July 13, 2018 14:04 pm
Climate change has helped melt nearly a fifth of Colombia's mountaintop glacier cover in just seven years, the government said Thursday.
July 12, 2018 21:02 pm
BHAKTAPUR, July 12: Three people of a family were killed while over 50 families were displaced by inundation caused by torrential rainfall in the district on Wednesday morning.
July 3, 2018 02:38 am
A jeep is seen buried under a landslide along the Prithvi Highway near Krishnabhir on Monday.
July 1, 2018 05:13 am
DHADING, June 30: "Help, help …. I want to live; I don't want to die, save me." Just when he had fallen asleep, Dil Bahadur Gurung awoke to these words. Rain was still falling heavily and the words were not very audible. Rain had started falling in the village since early evening and kept falling insistently when Gurung went to bed around 10 pm.
May 28, 2018 20:28 pm
SYANGJA, May 28: A heavy windstorm has wreaked havoc on houses in the village of Rambachchha Devisthan in Waling-1 on Monday.
March 29, 2018 22:17 pm
KATHMANDU, March 30: Newly re-elected President Bidhya Devi Bhandari's maiden address to the bicameral parliament Thursday proved a tiresome experience for commuters after security force emptied the six-lane highways to "make suitable way for the head of state".
August 16, 2017 07:40 am
KATHMANDU, Aug 15: CPN-UML Vice Chairman Bhim Rawal has said that 15 various Indian dams and embankments near the Nepal-India border, the Indian river-linking project and the exploitation of the Chure area and river banks have caused the flood disaster in the tarai.
August 14, 2017 02:15 am
CHITWAN, August 13: While floods and landslides have claimed dozens of life and displaced hundreds of people across the country, Sauraha, a prime tourist hub has also been unaffected equally. Swollen Rapti and Budhi rivers have inundated areas near their banks and floods have entered settlements. There are 110 tourist hotels and dozens of restaurant in Sauraha and all of these have been flooded to varied extent.
August 12, 2017 18:14 pm
KATHMANDU, August 12: At least 30 people are now confirmed killed and hundreds of families are displaced in floods and landslides triggered by incessant rainfall since Friday in various parts of the country.
August 2, 2016 13:07 pm
MYAGDI, Aug 2: The district headquarters of Beni is facing acute scarcity of drinking water after landslides ruptured the supply line at multiple sections.
July 26, 2016 12:08 pm
KATHMANDU, July 26: The incessant downpour since Monday night has wreaked havoc across the nation, killing at least 12 people.
July 26, 2016 10:36 am
PHALEBAS (Parbat), July 26: Four families have been displaced by monsoon-triggered landslides at Majhaphant VDC of northern Parbat while 27 houses are at high risk of being buried.
July 22, 2016 13:46 pm
BUTWAL, July 22: The torrential downpour continuing since last night has engorged various rivers and tributaries in Rupendehi with floodwater streaming into the rural settlements.
July 19, 2016 09:56 am
MELAMCHI, July 19: Floodwaters from the Bhotekoshi River have so far swept away 79 houses in Tatopani, Liping and Barhabise areas of Sindhupalchowk district.
July 18, 2016 17:55 pm
MUGU, July 18: A herdsman along with his 200 goats have gone missing in a rainfall-triggered landslide occurred in a forest at Chimath, Magri-1 in the district.
July 15, 2016 15:43 pm
DUNAI (Dolpa), July 15: The torrential rain on Thursday night caused damage to physical properties at various places in Dolpa district.
July 13, 2016 16:24 pm
Bhotekoshi flood
July 8, 2016 10:29 am
MELAMCHI, July 8: The flood that continuously occurred since Tuesday following heavy rain in Sindhupalchowk district and bordering Tibetan zone has wreaked havoc in Liping and Gati of Tatopani of the district.
July 2, 2016 00:40 am
KATHMANDU, July 2: Heavy rainfalls on Friday lashed several places across the country, including Kathmandu Valley, leaving roads and settlements in many areas inundated.
June 25, 2016 12:11 pm
RAJBIRAJ, June 25: The monsoon, which has been continuing for the last few days, has damaged Chandranahar, the oldest irrigation system of the country in Saptari district.


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Three men were arrested for alleged homophobic chanting at the Premier League clash between Liverpool and Chelsea at Anfield on Saturday, police have said.
Merseyside Police confirmed on Tuesday that, in three separate incidents, two arrests took place outside the stadium on Anfield Road with the other inside the arena itself.
A statement confirmed that the men, aged 23, 37 and 49, were arrested on suspicion of "homophobic intentional harassment alarm and distress".
The statement added: 'The 37-year-old has been bailed pending further enquiries, and the 23-year and 49-year-old will attend a voluntary interview.
\We are also aware that 16 people were ejected from the stadium by stewards for various offences during the Premier League match.'
Superintendent Paul Sutcliffe, match commander for the game, which ended goalless, said: "Merseyside Police will not tolerate hate crime of any form, and we will bring to justice anyone found responsible for committing any offensive chanting.
'In this instance, if the three suspects are charged and found guilty for the offence, then we will be seeking football banning orders on them.'


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Are you contemplating whether to get testosterone replacement therapy (TRT) to maintain a youthful and vibrant physique as you age? Consider the pros and cons first before making a decision.
As you age, availing of a TRT San Diego may appear to be a viable option. However, there are numerous misconceptions regarding what the therapy can and cannot do for you.
Testosterone replacement therapy may appear to be the anti-aging panacea. However, the health advantages of TRT for age-related testosterone depletion are unknown.
Learn more what is known — and what is unknown — regarding testosterone replacement therapy.
What is testosterone?
Testosterone is a male hormone that is predominantly produced in the testicles. Testosterone contributes to the maintenance of a man's:
- Density of bones
- Fat distribution
- Muscular strength and mass
- Facial and body hair
- Production of red blood cells
- Sexual arousal
- Sperm production
How do testosterone levels change with age?
In general, testosterone levels peak between adolescence and early adulthood. The testosterone level decreases gradually as you age — typically by around 1% every year beyond the age of 30 or 40. For older men, it is critical to evaluate whether a low testosterone level is the result of normal aging or because of an illness (hypogonadism).
Hypogonadism impairs the ability of the testicles or the pituitary gland, which controls the testicles, to create appropriate amounts of testosterone. Testosterone replacement therapy, administered via injections, pellets, patches, or gels, can help these men manage the classic symptoms of low testosterone.
Is a naturally decreasing testosterone level responsible for aging signs and symptoms?
Not always. As men age, they may exhibit a variety of indications and symptoms. Several of the symptoms that may emerge as a result of low testosterone levels include the following:
- Changes in sexual activity. This may manifest as decreased sexual desire, decreased spontaneous erections — such as those occurring during sleep — and infertility.
- Changes in physical appearance. Physical changes such as an increase in body fat, decreased muscle mass and strength, and impaired bone density are all likely. Swollen or sore breasts (gynecomastia) and hair loss on the body are possible complications. You may have less stamina than you did previously.
- Emotional alterations. Low testosterone levels might result in a loss of drive and self-confidence. You may experience sadness or depression, as well as difficulty concentrating or memory problems.
Is testosterone therapy capable of promoting youthfulness and vitality?
While testosterone replacement therapy can assist in reversing the consequences of hypogonadism, it is unknown if TRT would benefit otherwise healthy older men.
Although some men believe that taking testosterone medicines makes them feel younger and more vigorous, there is little evidence to support testosterone use in otherwise healthy men.
What are the risks that are associated with TRT in the light of normal aging?
Testosterone replacement therapy carries a number of risks, including the following:
- Sleep apnea – a potentially serious sleeping problem in which breathing periodically stops and starts.
- Contributing to the development of acne or other skin responses.
- Stimulating benign prostatic hyperplasia (BPH) and the progression of pre-existing prostate cancer.
- Breast enlargement.
- Decreased sperm production or shrinkage of the testicles.
- Excessive red blood cell production, which adds to an increased risk of blood clot formation. A clot may form, move through the bloodstream, and lodge in the lungs, obstructing blood flow.
Additionally, some data indicate that testosterone replacement therapy may increase one's risk of developing heart disease. Additional research is necessary.
Should you consult your physician regarding TRT San Diego?
If you are unsure whether testosterone replacement therapy is right for you, discuss the risks and benefits with your doctor. Before recommending TRT, your doctor will most likely conduct at least two testosterone tests.
It is not recommended to treat natural aging with testosterone replacement therapy. Suppose you do not have a medical issue that is causing your testosterone levels to fall. In that case, your doctor may recommend natural testosterone boosters such as weight loss and mass muscle gain through resistance training.
Low T Treatment: TRT San Diego is one of your best options.
If you are experiencing signs of low testosterone, speak with your doctor about whether you are a possible candidate for Testosterone Replacement Therapy (TRT).
TRT is available in a variety of forms, such as skin gel, injections, long-acting pellets put beneath the skin, and patches. The patient will consult with his doctor to choose the best course of action.
Around 70% of males with low T uses skin gel. After showering, it is applied to the shoulders and upper arms. It is advised for men with children to exercise extra caution when using the gel, as kids may come into contact with it by touching the application site or by contacting residual gel on unwashed clothing or towels. Pregnant women should likewise use extreme caution to avoid touching a TRT gel.
TRT is a lifelong procedure. Your testosterone levels will decrease if you stop taking it. Other men with low-T elect to forego treatment. They may seek alternative methods of increasing their energy, or they may choose to accept changes in their sexual drive and body.
TRT San Diego: Adverse Effects
TRT may cause the following side effects: acne, breast swelling or discomfort, increased red blood cell count, edema of the feet or ankles, smaller testicles, infertility, enlarged prostate
If you are taking TRT, your physician will regularly monitor your testosterone levels, prostate health, and red blood cell count.
Long-Term Side Effects of TRT
The long-term usage of TRT has not been thoroughly investigated. Numerous studies have indicated that TRT may increase men's risk of a heart attack. Additionally, some studies suggest that TRT may help reduce the risk of heart disease. Recent research of 44,000 men with low T levels discovered that those who used TRT to treat the symptoms of low testosterone had a 33% lower risk of heart attack or stroke than those who did not get any hormone therapy.
While many men report favorable results from TRT, such as increased energy and libido, there are still many unanswered questions. That is why it is critical to utilize testosterone replacement therapy only under the supervision of a trained doctor who is knowledgeable and had prior experience with it.
Interesting Related Articles: "The Benefits of Testosterone Therapy in Men"


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Knowing how to choose a German Shepherd puppy is to ask yourself about your lifestyle. Are you at home to devote time and training to their growth? What open space environment is your home? German Shepherds are on the no dog list in apartment buildings.
Do you have a family with other pets? Also, a good breeder will ask you why do you want this particular breed? The breeder should be concerned that a German Shepherd puppy is being placed within the best living environment.
Here are some insights to help you bring home the perfect German Shepherd puppy:
Types of German Shepherd Puppies
Pure-bred German Shepherd puppies are available in a variety of colors and built. Dog breed organizations have narrowed their category into Show Line and Working Line Shepherds:
- Saddle-Coat: this is the more common look of a German Shepherd. The typical description is light brown and black.
- Black: Rare and beautiful. Their coloring is either all black or a deep dark bluish hair tint.
- Panda: their coloring consists of black, white, and tan. This is their natural coloring, not contributed to being a mixed breed.
- Sable: A unique coloring of this breed consists of light black, grey, tan, or gold. As puppies, the Sable German Shepherd puppies are fully tan. As they age, fur begins to develop stronger natural colors.
- White: No, this German Shepherd breed is not due to albino coloring. Though rate, white is their natural coloring. This German Shepherd puppy will be smaller in size, whether male or female.
Who's A Good Boy!
The reason for this question is that German Shepherds are intelligent and engaging breeds. They can be trained to thrive in any situation and climate. Their ability to cope in any situation is amazing. German Shepherds make great companions, protective family pets, and they are hard workers.
Knowing how to choose a German Shepherd puppy, you are wondering what things you should look for. As a potential owner, look at the puppy's activity levels and how engaging it is. In other words, you are looking to see if it has a good temperament. German Shephard puppies demand and exhibit affection rather aggressively.
Parental Traits
If you are choosing a puppy from a kennel or a breeder, inquire about its parental background. You want to know if both parents were healthy and friendly. Also, ask if the puppy's parents are certified Orthopedic Foundation for Animals (OFA) or American Kennel Club (AKC) registered.
Carefully Examine the Puppy
You want to look again for a puppy that is active and healthy. To choose the best German Shepherd puppy, you must become an amateur canine detective and examine the puppy closely. Here are things to look for:
- A German Shepherd puppy should not look thin. Instead, they should look full-bodied.
- Their eyes should appear bright and clear.
- Also, you must invade their personal space by examining their butt area to make sure it is clean.
- Their nose should be clean and not runny.
- Their teeth and gums look healthy.
- Their hair coat should not have bald spots and should not be matted.
- Your German Shepherd puppy should be free from odors.
- Pick a puppy that has a good gait, and their tail is up and actively wagging.
Also read: How much is a German Shepherd puppy
Don't Take A Puppy Away from Mommy Too Soon.
All puppies need their mothers when they are very young. They must nurse and learn life's behaviors from mom that will prepare them for later in life. A German Shepherd puppy can be purchased when they are between the ages of eight and twelve weeks old.
If you decide on an older puppy, just make sure that it has retained its socialization skills with both people and other animals.
Make sure that the puppy has gotten all its vaccinations and deworming medication. However, within 48 hours of purchase, take your German Shepherd puppy to your vet for a complete exam.
The Kennel or Breeder Environment
Whether you are purchasing your German Shepherd puppy from a kennel or a private seller, look at the conditions of both. How does the kennel look to you? How does the breeder's environment look?
Both kennels and private breeder yards should be clean, and all puppies should have clean water. Please do not buy a German Shepherd puppy from a breeder where the conditions are unclean.
How Instinctive Are You?
Many potential dog-owners state that they knew that this was the one when they first saw their puppy. We all have instincts; therefore, you will know what the right buying environment is when you look at the puppies. If you get a feeling that something is not right, leave and find a different breeder.
When you purchase your German Shepherd puppy and bring that bundle of joy home, you want to feel confident that you have made the best decision. After all, the relationship with your German Shepherd puppy can last easily for up to thirteen years.
Male vs. Female German Shepherd
There are many people who only choose a German Shepherd puppy because of their gender or appearance. What is most important in purchasing any puppy is their physical and mental stability.
Gender and looks should never be a deciding factor when choosing a dog that will live in your family for the next 12 years or more. Please perform thorough breeder research so that you can choose the right German Shepherd puppy that will fit into your living lifestyle for years to come.
There aren't any major differences between choosing a female or male German Shepherd puppy. Do you want to select a female puppy for future breeding? If not, both your male and female German Shepherd puppy should be spayed and neutered.
Female German Shepherds are found to have a sweeter temperament than their male counterparts. Male German Shepherds are more territorial. They also are a little more stubborn and proud.
Male German Shepherds are generally larger than their female counterparts. The male can grow to a height range of up to 26 inches. Meanwhile, the female can grow to a height of up to 24 inches tall. Their weight will range from a full-bodied 75 to 95 pounds.
When you are trying to decide whether to purchase a male vs. female puppy, don't stress because both German Shepherd genders require socialization training, especially if you have children or other pets. They make excellent watchdogs.
Therefore, if you are going to be around other individuals each day, your German Shepherd puppy must be trained to accept people outside their family unit.
Introduce your German Shepherd puppy to strangers so that they will feel comfortable in front of people. By introducing them to strangers, will help them stay calm.
Important Things About a German Shepherd Puppy
- The German Shepherd breed requires companionship. They do not like to be left alone for too long. Because they were originally bred for herding, German Shepherds have high energy and thus require physical and mental stimulation.
- Make sure you have the time and patience to own a German Shepherd puppy. In patiently taking time with their active habits, it will work out to your benefit. They become loyal and loving breeds, especially when raised in a family setting.
- Remember the TV show Dog Whisperer? The host always referred to a dog requiring a pack leader. German Shepherds must learn that you are the pack leader. If not, they will take the dominant lead, and this is not good. They must be trained and actively exercised to be happy.
- German Shepherds love to explore and investigate everything. If you live in an area where there are porcupines, lookout. Young German Shepherd puppies will probably come home with quills all over their body.
- You would think that this lesson of leaving the porcupines alone would get "stuck" in their mind after one experience. Well, you would be wrong. A German Shepherd puppy will want to correct this wrong and approach another porcupine!
- Grooming a German Shepherd puppy is simple and easy. Yes, they do shed year-round, so brush them occasionally. But mostly keep their nails trimmed, their teeth and ears cleaned.
- Dog breeders believe that to help your new German Shepherd puppy adjust from a litter to your new home, they should be crate trained. They need to feel safe and comfortable. Crate training is a learning experience for a German Shepherd puppy, but it eventually helps them get used to a family who perhaps must go off to work every day.


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Self-defense classes seem to get more popular by the year. They're so popular now that some colleges even offer them as part of the curriculum. You don't need to be working toward a degree to benefit from one of these classes, though. Self-defense classes can teach a variety of skills that can come in handy in public and in your own home.
In addition to self-defense classes, having a home security system such as a Simplisafe system can help you feel more comfortable and protected within your own home. You can learn more about home security systems by researching different options.
To learn more about how a self-defense class can come in handy, keep reading below.
Increase Your Confidence
Self-defense classes show women how to assess situations, evaluate options, and escape the situation or fight back. These skills empower women and make them more confident. Confident women give off a vibe that attackers can't help but pick up. That confidence causes attackers to back off. Because of that, women are less likely to end up in violent situations.
Prevent Situations From Escalating
Self-defense classes teach participants how to de-escalate situations, so they don't turn violent. This is a powerful tool to have during potentially violent conflicts, and it also comes in useful during other tense moments. Women learn how to keep a cool head and prevail, which is useful at home, work, and when out with friends. Women can even rely on this skill when having a dispute with a business partner.
Increase Your Awareness
You see it on the news all the time. An attacker came out of nowhere and robbed or assaulted a woman. While it might seem the attackers materialize out of thin air, that's not the case. There are always signs and warnings before an attack.
Self-defense classes teach you to become aware of your environment. You will realize when something doesn't look right and know how to develop a plan. With the right self-defense class, no one will sneak up on you because you'll be a step ahead. That will help you stay safe, no matter where you are.
Become Physically Fit
Some self-defense classes provide quite a workout for participants. The classes help women build lean muscles while improving endurance and balance. Physical fitness comes with its own set of physical and mental benefits. Plus, when women are physically fit, they are stronger and more equipped to fight off would-be attackers. Many women are amazed by their own strength after they graduate from a self-defense class.
Practice Real-life Situations
Self-defense classes teach students through action. You will participate in situations that mirror real life. For example, you might encounter an attacker who wants to steal your purse. Your teacher will show you how to subdue the attacker, so you will get out of the situation with your purse and life intact. You also might encounter someone with a gun, and you'll learn how to disarm the person. By practicing real-life situations, you'll be ready if anything happens in the real world. You'll have already practiced something similar, so you'll know what to do.
Make Lifelong Friends
When you join a self-defense class, you'll practice with people who are part of your community. You will all work toward the same goal, and that will bond you for life. Expect to walk away with several lifelong friends at the end of class. Along with enjoying your new social life, you will also benefit from having friends who are as interested in self-defense as you are.
Take Control With a Self-defense Class
As you can see, a self-defense class puts you in control. You won't be vulnerable when you're at home or in public. Instead, you'll have the tools necessary to protect yourself, no matter what you might encounter. Life is much more enjoyable when you aren't afraid, so consider enrolling in a class today. Then it won't be long before you're ready to take on the world.


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It's not been the best of weeks for Southampton.
On Wednesday night, Ronald Koeman's men were knocked out of the Capital One Cup at the quarter final stage following their 1-6 home demolition at the hands of Jurgen Klopp's Liverpool.
Saturday's game against Aston Villa was seen by some Saints fans as an opportunity to get back on to a winning run after suffering three defeats in a row in all competitions.
That didn't go exactly according to plan. After dominating the majority of the first half with many great chances missed, Remi Garde's Villa took the lead on the stroke of half time through defender Joleon Lescott to try and win his side's second game of the season.
It looked to be another disastrous day for the Saints. However, former Barcelona and Chelsea man Oriol Romeu poked the ball home with 20 minutes left to make it 1-1 for his new team.


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Kick Debt Out!
Hello guys! This is Clara Calabrese with Your Path Financial. I'm here to encourage you and say you can do it! Are you discouraged because of debt? Do you feel like you are drowning? Well it doesn't have to be that way. You can choose your path toward freedom and it starts with you. Are you going to follow the norm and say, "Oh, debt is fine; everyone has it, right?" Does debt own your home instead of you? Has debt moved in with no sign of leaving? Is debt your best friend or a thorn in your side? You have to choose to kick debt out because it's not ok to let debt stay in your home and freeload off you any longer! Get rid of debt because you don't need it! You can do it! You can be free and enjoy life. I'm asking you to believe and have hope instead of fear. Debt keeps you hopeless and in fear. Now is the time to let debt become your enemy. Attack and defeat your enemy and don't give up because like I said before you can do it! It is possible and you are not alone. You just have to get the help you need on your path so take the first steps. Do it now!