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Home > Church and Worship
All serious Bible students agree that Jesus built only one church, and at that time all saved people were in that one church (Matt. 16:18; Acts 2:47). But today there are actually hundreds of different denominations, differing from one another in name, authority, worship, organization, plan of salvation and forgiveness of sins, etc. Yet all claim to be Christian, to follow Jesus, and to be pleasing to God.
The purpose of this study is to determine what Jesus wants us to practice regarding church membership. What was Jesus' church like in the first century? Does the church that Jesus built still exist today? If so, how can we find and identify it? What does God think about all the many different modern Catholic and Protestant denominations?
Now please take out your Bible and look up the >>> CAPITALIZEDScriptures <<<. Then study for you own benefit each question marked **. You may find a list of correct answers at the end of the study. (Note: This article is not intended to be submitted to us for grading. However, if you wish to study this material as part of a graded course, please go to our online Bible courses at https://biblestudylessons.com. Thank you.)
Why should we study about Jesus' church? Some people think the church has nothing to do with salvation, so you can be saved outside the church. How important is the church to Jesus the Lord?
>>> Read ACTS 20:28. <<<
*1* How did Jesus make the church His? (a) He bought it with His blood, (b) He came to set up an earthly kingdom but couldn't, so He made the church instead, (c) somebody gave the church to Him.
*2* Can we be saved without Jesus' blood? (a) yes, (b) no.
*3* Then can we be saved outside Jesus' church? (a) yes, (b) no.
Jesus shed His blood to save us from sin (Ephesians 1:7; Revelation 1:5; Romans 5:6-9). But the people who have been saved and purchased by that blood are the people who are in the church!
>>> Read EPHESIANS 5:23,25. <<<
*4* For whom is Christ the Savior? (a) the nation of Israel only, (b) the body (church), (c) all people will be saved.
*5* For whom did He give Himself? (a) the church, (b) white, middle-class Americans only, (c) it doesn't matter.
Salvation can be obtained only through Jesus (Acts 4:12; John 14:6; Hebrews 5:9; 7:25). But the body of people whom Jesus has saved is the church. If the church has nothing to do with our salvation, why did the Lord die for it?
The Lord adds to the church those who should be saved - Acts 2:47. Christ is the Savior; but all those whose sins He has forgiven are in the church. Those outside the church are yet in their sins. This is why it is vitally important for us to learn about Jesus' church. (See also Ephesians 3:10,11; Colossians 1:12-14; Hebrews 10:25; etc.)
In the Bible, the "church" always refers to a group of people, never to a physical building. The word has two primary uses:
1. The church universally - the body of all saved people everywhere (Matthew 16:18; Ephesians 5:22-25; Acts 2:47).
2. The church locally - a congregation of saved people in a certain area who meet, work, and worship together (Jerusalem, Corinth, etc. - Acts 8:1; 13:1; 1 Corinthians 1:2; Galatians 1:2; Revelation 1:4).
We will study many examples of this word as we proceed.
First let us study the characteristics of the New Testament church, then we will study the origin of the modern denominations.
If the police were searching for a missing person, how would they identify the correct person? They would need a description or list of identifying characteristics: age, name, height, weight, etc.
Now suppose we want to find the church that belongs to Jesus. How can we identify it?
>>> Read MATTHEW 7:15-21. <<<
*6* How can false teachers be identified? (a) by their outward appearance, (b) by their unkind manners, (c) by their fruits.
*7* What are the "fruits" of God's followers? (a) they do the will of the Father, (b) they just call Jesus "Lord," (c) they just believe.
The true church can be identified because it teaches and practices the will of God. By learning Jesus' will for His church, we can know the identifying marks of His church. [Cf. 1 John 2:3-6]
Consider these characteristics:
>>> Read EPHESIANS 1:22,23. <<<
*8* Who is Head over all things to the church? (a) John the Baptist, (b) Peter, (c) Jesus.
*9* Whose control, then, should the church submit to? (a) Mohammed, (b) Jesus, (c) a council of men.
>>> Read COLOSSIANS 3:17. <<<
*10* What must be done in Jesus' name (by His authority)? (a) everything we do, (b) only the things we want to do, (c) whatever a preacher says.
Since Jesus built and purchased the church, it must follow His directions. His will is revealed in the New Testament (1 Corinthians 14:37; 2 Timothy 3:16,17; Ephesians 3:3-5).
(See also Ephesians 5:23; Colossians 1:18; 2:19; John 12:48; Acts 3:22,23; Matthew 28:18-20; Luke 6:46; Hebrews 5:9.)
>>> Read 2 JOHN 9. <<<
*11* What is our condition if we do not abide in the teachings of Jesus? (a) God overlooks it, (b) we get another chance after death, (c) we do not have the Father or Son.
>>> Read MATTHEW 15:9. <<<
*12* What does God think of worship that is based on man-made teachings? (a) it is vain, (b) He encourages it, (c) it doesn't matter.
>>> Read GALATIANS 1:8,9. <<<
*13* What happens if we preach a gospel different from the New Testament? (a) nothing, (b) we are accursed, (c) no one knows.
*14* Would a church be honoring Jesus as Lord if it follows doctrines or practices not found in the Bible? (a) yes, (b) no.
If Jesus' church exists today, it must strive to listen to all His teachings and must avoid practices not found in His teachings.
(See Revelation 22:18,19; Proverbs 14:12; 3:5,6; Jeremiah 10:23.)
>>> Read MATTHEW 16:15-18. <<<
*15* What did Jesus promise to build? (a) a social club, (b) an entertainment, recreational club, (c) His church, (d) all the preceding.
*16* Did the church exist when Jesus said this? (a) yes, (b) no.
*17* To whom would the church belong? (a) Peter, (b) Jesus, (c) John the Baptist.
*18* How many churches did Jesus promise to build? (a) one, (b) ten, (c) hundreds.
This passage and all passages before Acts 2 speak of the church as coming in the future (see also Isaiah 2:2,3; Daniel 2:44; Mark 1:15; 9:1; Acts 1:4-8).
But passages after Acts 2 all speak of the church as being in existence (see Acts 2:47; 5:11; 8:1-3; 11:22,26; Colossians 1:13; etc.).
So the church that belongs to Jesus began in Jerusalem on Pentecost after Jesus' ascension (Acts 2:38,41,47).
*19* Suppose men begin a church at a place and time other than Jerusalem on Pentecost. Would it be Jesus' church? (a) yes, (b) no.
We are looking for the church Jesus began on Pentecost in Jerusalem.
Names are important to God. He sometimes named people before they were born, or changed their names later (Genesis 17:5,15,19; 32:27,28; Luke 1:13; Matt. 1:21; Isaiah 62:2; etc.). What terms or phrases does the Lord want us to use to refer to the church and its members?
The church of Christ or of God (Matthew 16:18;
Romans 16:16; 1 Corinthians 1:2; etc.).
The house or family of God (1 Timothy 3:15; Ephesians 2:16,19; Galatians 6:10).
The kingdom of Christ (Colossians 1:13; Matthew 16:18,19; Revelation 1:9; Hebrews 12:28).
The body of Christ (Ephesians 1:22,23; 4:4-6; Colossians 1:18).
Note that all these terms give honor to God the Father or the Son, and show our relationship to them.
Disciples (Acts 11:26; 20:7; 8:3; 9:1).
Children of God (2 Corinthians 6:16-18; 1 John 3:2).
Christians (Acts 11:26; 26:28; 1 Peter 4:16).
>>> Read 1 CORINTHIANS 1:10-13. <<<
*20* What sin occurred at Corinth? (a) groups were named after men, (b) men were exalted instead of Jesus, (c) division, (d) all the preceding.
Naming the church after a particular doctrine likewise violates the principles of this passage, promotes division, and fails to exalt God.
One of the fruits of Jesus' church was that it wore names that glorify God and Christ. It never wore names that honor men, were invented by men, or exalted some particular Bible doctrine.
Some churches teach that there are some things a person must do to be saved, and then afterward there are other things he must do to join the church. But the church is the body of all saved people (Ephesians 5:23,25; Acts 20:28; Colossians 1:13). Therefore, whenever one receives the forgiveness of his sins, he automatically becomes a member of the church at the same time and by the same steps.
You cannot be voted into the Lord's church, you cannot purchase membership in it, and you cannot "join" it. You simply obey the gospel and let God add you (Acts 2:47).
To be forgiven of sins, one must take the following steps:
Hear the gospel (John 6:44,45; Romans 10:17).
Believe it (Romans 1:16; Hebrews 11:6; John 8:24).
Repent (Acts 17:30; 2 Corinthians 7:10; 2 Peter 3:9).
Confess Christ (Romans 10:9,10; Acts 8:37).
Be baptized (immersed) for the purpose of receiving forgiveness (Acts 2:38; 22:16; Mark 16:16; Romans 6:3,4; 1 Peter 3:21).
At baptism, one's sins are forgiven and the Lord then adds him to the church (Acts 2:38,47; 1 Corinthians 12:13).
*21* Suppose a church teaches some other way for people to be saved. Would it be honoring Jesus as Lord? (a) yes, (b) no.
*22* In fact, would the people in that church even have received forgiveness of sins? (a) yes, (b) no.
We are looking for the church that teaches just what the gospel says about salvation.
The Lord taught His church to do five things when they meet.
>>>Read ACTS 2:42. <<<
*23* In what activities did these disciples continue steadfastly? (a) the apostles' doctrine, (b) prayer, (c) breaking of bread, (d) all the preceding.
We should teach only God's word, not man's. (cf. Acts 20:7; 11:26; Hebrews 10:24f.)
In Bible study, God talks to us. In prayer, we talk to God. (cf. 1 Corinthians 14:15; Philippians 4:6; Acts 4:23-31; 1 Timothy 2:5.)
>>>Read 1 CORINTHIANS 16:1,2. <<<
*24* How did the church obtain financial income? (a) raffles, bingo, (b) bake-sales, rummages, (c) collections, (d) all the preceding.
*25* When were the collections taken up? (a) seventh day of the week, (b) first day of the week, (c) as often as possible.
*26* How did the members decide how much to give? (a) according to prosperity, (b) the preacher decided for them, (c) they gave a tenth.
The church took up collections from the members on the first day of the week. Each member gave generously according to prosperity. The church never used tithing (requiring 10%), nor man-made fund-raising methods like bingo, raffles, rummages, etc. (cf. 2 Cor. 8:1-5; 9:6,7.)
>>> Read 1 CORINTHIANS 11:23-26. <<<
*27* What do the bread and cup remind us of? (a) Jesus' body and blood, (b) the creation, (b) the giving of the 10 commands.
*28* Would it be right to have bacon and eggs on the Lord's table? (a) yes, (b) no.
We should eat the bread and drink the fruit of the vine in memory of Jesus' body and blood. (cf. Matthew 26:17-30; Acts 2:42):
>>> Read ACTS 20:7. <<<
*29* When did the disciples break bread? (a) at Easter and Christmas, (b) on the last day of the week, (c) on the first day of the week.
*30* How often does this day occur? (a) once per year, (b) once per month, (c) once per week.
When God has specified memorial feasts, He has always told people when to do them. If He said to do it on a certain day of a certain month of the year, it would be an annual feast (Ex. 12:6,14,24ff; Lev. 23:24,27). If He said to do it on a certain day of the month, it would be a monthly observance (Ezek. 46:1,6,7). If He said to do it on a certain day of the week, then it would be observed weekly (such as the sabbath - Ex. 20:8-11).
Likewise, since God has revealed that disciples had the Lord's supper on the first day of the week, we should do it as often as that day occurs. Note that this is the same day on which we have the collection. Some churches have annual or monthly communion. Do they also take up collections only annually or monthly?!
>>> Read EPHESIANS 5:19. <<<
*31* What act of worship is commanded here? (a) prayer, (b) singing, (c) none.
*32* Is God pleased if we just mouth the words? (a) yes, (b) no.
*33* What purposes are accomplished by singing? (a) praising God and teaching others, (b) showing off musical ability, (c) entertainment to draw big crowds.
Every New Testament passage that mentions music in worship, specifies singing (Colossians 3:16; 1 Corinthians 14:15; Romans 15:9; Hebrews 2:12; James 5:13). There are two kinds of music - singing (vocal) and playing (instrumental).
*34* Since Jesus expressly says to "sing," are we honoring Jesus if we add another kind of music (playing on instruments)? (a) yes, (b) no.
To use instruments of music in worship is to follow human authority. It fails to honor Jesus just like bacon and eggs on the Lord's Table.
>>> Read HEBREWS 10:25. <<<
*35* What error should Christians avoid? (a) forsaking the assembling together, (b) giving too much money, (c) attending too often.
*36* Would a church be following Jesus as Lord if it worshipped in ways that are not found in the gospel? (a) yes, (b) no.
Note: Individual Christians should study the Bible, pray, and sing regularly in private, but in this lesson we are considering our praise to God in church meetings.
We are looking for the church that worships God just the way the New Testament teaches. When we find it, we should strive diligently to attend whenever the church meets.
>>> Read ACTS 11:26. <<<
*37* What work did the church in Antioch accomplish? (a) entertainment and recreation, (b) social functions, (c) assembling to teach and study God's word.
The church is the "pillar and ground of the truth" - 1 Timothy 3:15. It teaches the gospel to the lost and edifies the members (see also Acts 11:22; 20:7; Hebrews 10:24,25; Ephesians 4:11-16; Philippians 4:14-18). The church also cares for its own physically needy members (Acts 4:32-35; 6:1-6; 1 Corinthians 16:1,2; 2 Corinthians 8 & 9; 1 Timothy 5:16).
The primary work of the church is spiritual. It helps people be right with God so they can receive eternal life. The church we are looking for is not a social or recreational club, nor a general welfare society. Any church that does these other works fails to honor the Lord. (See also John 18:36; 6:63,27; 2 Corinthians 10:3-5.)
>>> Read EPHESIANS 1:22,23. <<<
*38* Who is head over the church? (a) Peter, (b) Jesus, (c) some other man.
*39* He is head over how many things to the church? (a) things in heaven only, (b) things on earth only, (c) all things.
*40* What is left for men to be head over? (a) church laws, (b) things on earth, (c) nothing.
*41* Where is Jesus now (Hebrews 8:1; 1 Peter 3:22)? (a) Jerusalem, (b) heaven, (c) Rome.
*42* Then where is the headquarters of Jesus church? (a) heaven, (b) Rome, (c) Salt Lake City.
As Head of the church, Jesus has made all the laws and revealed them in His word. His church has no earthly headquarters or governing body. No man or group of men may make laws for the church.
A local church consists of saints (members) with the bishops and deacons (Philippians 1:1).
>>> Read ACTS 20:17,28. <<<
*43* What is the work of elders? (a) oversee and feed (shepherd) the church, (b) make laws, (c) just the same as the other members.
*44* How many flocks (churches) did these elders oversee (v17)? (a) the one at Ephesus, (b) all those in the surrounding region, (c) all churches in the world.
>>> Read 1 PETER 5:1-3. <<<
*45* What is the work of elders? (a) feed (shepherd) the flock, (b) oversee the church, (c) set a good example, (d) all the preceding.
*46* An eldership should have oversight of the work of how many churches? (a) as many as they can, (b) as many as will send them money, (c) the one among them.
(Note that "elder" is just another name for an overseer or "bishop" and a shepherd or "pastor.")
Each local church must work to appoint a plurality of elders (Acts 14:23). To be appointed, these men must possess certain qualifications (1 Timothy 3:1-7; Titus 1:5-9). When they have been appointed, they guide the local church in obeying God's word. The oversight of each eldership is limited to the one local church where they have been appointed.
One of the fruits of Jesus' church is that Christ is the only Head. There is no earthly headquarters or centralized institutions, but each congregation functions independently under its own officers.
*47* If a church follows human changes in this pattern, would it be honoring Jesus as Lord? (a) yes, (b) no.
We have now studied the "fruits" or characteristics of Jesus' church. Since God is no respecter of persons, He still requires His church to possess these same characteristics today. If we seek Jesus' church, we must find the one that follows His will in all these ways. Any church that does not have these characteristics, cannot be the church Jesus built.
Jesus built one church, and the Bible tells us what it should be like. Today there are many different denominations. Is God pleased by their existence? Where did they come from?
>>> Read ACTS 20:28-30. <<<
*48* What danger does Paul warn about? (a) following the Bible too closely, (b) condemning sin too firmly, (c) following false teachers.
*49* Can religious leaders lead people into error? (a) yes, (b) no.
>>> Read 2 TIMOTHY 4:2-4. <<<
*50* What error will people be guilty of? (a) turning away from truth, (b) rebuking false teachers, (c) being too intolerant.
*51* What kind of teachers will they want? (a) men who preach truth, (b) men who please the people, (c) men who oppose error.
>>> Read 1 TIMOTHY 4:1-3. <<<
*52* What does the Spirit predict will happen? (a) everyone will be saved, (b) the saved will never be lost, (c) some will depart from the faith and follow error, (d) all the preceding.
*53* What particular doctrines will be taught? (a) it is wrong to eat meats, (b) people should not marry, (c) both of the preceding.
Throughout history, false teachers have tried to lead God's people astray. In particular, Jesus warned that error would enter among the leaders of His people, and some would even forbid marriage and command to abstain from meats. To please Jesus, however, God's true people must reject these false teachings. (See also Matthew 7:15-23; Galatians 1:6-10; 1 John 4:1,6; 2 Corinthians 11:13-15; 2 John 9-11; Ephesians 5:11; Matthew 15:14.)
In Jesus' plan for His church, He is to be the only head, and no man-made laws or earthly headquarters are allowed. No officers may oversee more than one local church.
However, after the church began, departure occurred as time passed, just as predicted in the Scriptures above. Certain congregations began to exalt one elder above the others. As new churches began, this exalted "bishop" would assume the oversight of several churches in a region called a "diocese."
Soon, bishops were meeting in councils to issue "church laws." The first universal council, to which all churches were invited to send representatives, was held in Nicea in 325 A.D. Later, discussion arose regarding who would be the earthly head of the whole church. Finally, in the sixth or seventh century A.D., the Bishop of Rome was generally recognized as "Pope." Clearly, this is a departure from Jesus' plan for church organization.
Meanwhile, the church was adopting other new practices. Listed below are the approximate dates when many of the practices came to be generally accepted. (Note: This historical information can be documented by checking encyclopedias or church history books, including Catholic sources.)
Use of images in worship
4th century
Infant baptism
4th century
Celibacy of priests
4th century
6th century
Instrumental music (first used)
7th century
Confession to priest
9th century
12th century
Sprinkling for baptism
Cup withheld from laity
Infallibility of the Pope
Note especially celibacy, which forbids priests to marry. The Catholic church has also commanded members to abstain from meats on Fridays during Lent. This expressly fulfills 1 Timothy 4:1-3.
The changes we have described resulted in the Roman Catholic church. "By their fruits you shall know them" (Matt. 7:15-21). Does the Catholic church show the fruits of being Jesus' church?
Contrary to its claims, the Catholic church is not truly "the first church," but is rather the first major apostasy from the true church. If we wish to find Jesus' church, we must look elsewhere. (Note that we have no desire to hurt people in any particular religious group. We present these facts so people can know the truth and honor Jesus as their Lord - Luke 6:46; Rev. 3:19.)
As Rome departed further from God's word, many Catholics began to object. At that time the church allowed only Latin translations of the Bible, which the common people could not understand. In the 1400's and 1500's, men like John Wycliffe and William Tyndale translated the Bible into English. For this, the church burned Wycliffe's bones and made a martyr of Tyndale!
In 1517, a Catholic monk named Martin Luther nailed his "95 Theses" (or points of disagreement) to the door of a church building in Wittenburg, Germany. Other men like Zwingli and Calvin joined the movement of "protest," not to start a new church, but to "reform" the Catholic church. Unable to sway the church, however, each of these men (or their followers) eventually began a new church separate from Rome and separate from the other Protestant churches.
Here are some examples:
Martin Luther
Church of England
Henry VIII
John Calvin
John Smyth
John Wesley
Joseph Smith
7th Day Adventist
Jehovah's Witnesses
C. Russell
(Again, this information can be verified in any good encyclopedia or church history, including those written by men in the churches listed. Note that some dates are approximate.)
Remember, "by their fruits you shall know them" (Matt. 7:15-21). Let us compare the fruits of these denominations to the characteristics of Jesus' church.
Authority - Most denominations have creeds the church follows as law in addition to the Bible.
Origin - No Protestant denomination existed as an organized, functioning body, separate from the Catholic apostasy, prior to 1500 AD. They were all begun by men in times and places other than the day of Pentecost in Jerusalem (Acts 2).
Name - Nearly all denominations have names invented by men and not found in the gospel. Their names honor men and special doctrines, not God and Christ.
Salvation - Most denominations practice sprinkling, pouring, and infant baptism. Most teach salvation by "faith only" (baptism is not necessary to salvation).
Worship - Most practice annual or monthly communion, instrumental music, holy days, tithing and other man-made fund-raising methods.
Work - Most denominations practice the "Social Gospel" - church-sponsored recreation, entertainment, etc.
Organization - Nearly all denominations have earthly headquarters, central governing bodies, boards and institutions of all kinds that centralize the work and government of the church.
Protestant leaders had some admirable goals, but all of them (or their followers) clung to many basic errors of Catholicism and even added some new ones. Every Protestant denomination differs from the church of Christ on many or all of the above points. Yet God forbids such departures from His way and warns us not to be part of such groups. Again, if we wish to find the church belonging to Jesus, we must look elsewhere.
Denominations are divided, contradicting and disagreeing with one another. People often say, "All the churches are following Jesus. It doesn't matter where you attend, or what you believe, as long as you worship the true God. Just join the church of your choice." What does Jesus say? Is He pleased by all these denominations?
>>> Read JOHN 17:20,21. <<<
*54* In what way should we be like the Father and the Son? (a) we must overlook division, (b) we must be united as one, (c) we must tolerate error.
*55* In what ways do the Father and the Son contradict one another? (a) about how to worship, (b) about how to be saved, (c) about what church to attend, (d) none of the preceding. (See also John 12:49,50.)
The existence of many different churches contradicts Jesus' prayer for unity.
>>> Read 1 CORINTHIANS 1:10,13. <<<
*56* Is God pleased by division? (a) yes, (b) no.
*57* Are denominations (a) united, or (b) divided?
*58* Is Christ divided? Does He contradict Himself? (a) yes, (b) no.
*59* Jesus does not contradict Himself, but churches do contradict one another. So are "all the churches following Jesus"? (a) yes, (b) no.
When a preacher knowingly preaches contradictory things to different people, we call him a hypocrite. But denominations contradict one another, yet they all say they get their teaching from Jesus. What would that make Jesus?! Denominationalism violates God's law against division (Galatians 5:19-21; Philippians 2:2f).
>>> Read 1 CORINTHIANS 14:33. <<<
*60* Is God the author of confusion? (a) yes, (b) no.
*61* Is the existence of many churches confusing? (a) yes, (b) no.
*62* Is God the source of all the denominations? (a) yes, (b) no.
God did not create the modern denominations, so they must have been begun by men. They are not in the Bible, therefore they exist contrary to God's authority. When churches disagree, one may be right and the others wrong, or they may all be wrong, but they cannot all be right!
>>> Read EPHESIANS 4:3-6. <<<
*63* What should we strive to keep? (a) miracles for today, (b) unity, (c) a pope, (d) all the preceding.
*64* How many true "God and Fathers" are there? (a) one, (b) hundreds, (c) it does not matter.
*65* Can we please God if we think there are many Gods and we may just worship the god of our choice? (a) yes, (b) no.
*66* How many "bodies" and "faiths" are there? (a) hundreds, (b) one, (c) it does not matter.
*67* Can we please God if we think there are hundreds of different bodies and faiths, so it doesn't matter what we believe and we can just take our choice? (a) yes, (b) no.
There may be many false gods, but there is only one true God, according to Jesus' teaching. In the same way, there is only one true body (church) and only one true faith. All others are false. [Cf. 1 Corinthians 12:12-20]
>>> Read 2 CORINTHIANS 6:17-17:1. <<<
*68* What must we do to be God's true children? (a) just follow our preacher, (b) keep our family religion, (c) separate from error.
*69* May we continue to be part of churches and practices that are not found in the gospel? (a) yes, (b) no.
Jesus the Lord established one church. Denominations did not exist in the New Testament, and division is condemned. Jesus requires us to follow His same gospel pattern, but Catholic and Protestant churches are departures from His pattern. Therefore, we must not be members of any of these groups. Are you a member of one of these man-made churches? [Cf. 2 John 9-11; Eph. 5:11; Matt. 15:14]
If we cannot find the true church among the Protestant or Catholic churches, where can we find it? Does it exist? Since we must be members of it to be saved, how can people today be saved?
>>> Read 1 PETER 1:22-25. <<<
*70* How do we purify our souls? (a) just believe in Jesus, (b) obey the truth, (c) pray to Mary.
*71* What is the seed by which we are born again? (a) God's word, (b) human creeds, (c) denominational doctrine, (d) all the preceding.
*72* How long will this seed endure? (a) till the middle ages, (b) till the 1800's, (c) forever.
"The seed is the word of God" - Luke 8:11. God's creations, including the church, reproduce by means of seed. When men hear the gospel with receptive hearts, they will believe and obey. As a result, they are "born again" into God's family, the church. (See James 1:18; Luke 8:15; Romans 1:16; 10:17; Mark 16:15,16; John 3:3-5.)
>>> Read GALATIANS 6:7. <<<
The seed always reproduces after its own kind. To get the right "fruit," we must plant the right "seed"! The reason denominations do not produce the right fruit is that they plant the wrong seed.
*73* When a seed grows, what kind of plant results? (a) the same kind as the seed came from, (b) it changes from year to year, (c) you never know. (cf. Genesis 1:11,21ff)
At any time or place, the same seed always produces the same kind of living thing. This is also true of doctrines.
*74* Suppose you believed and obeyed Buddhist doctrine. What would that make you? (a) a Christian, (b) a Hindu, (c) a Buddhist.
Man-made doctrines reproduce after their own kind and make people members of man-made religious groups.
*75* In the first century, when people heard and obeyed the gospel of Christ, what kind of Christians did they become and what church did they become members of? (a) Lutherans, (b) Catholics, (c) just Christians, members of Jesus' church.
*76* If you were to obey simply the gospel today, without any man-made changes, what kind of Christian would you become and what church would that make you a member of? (a) the same as in the first century, (b) a modern denomination, (c) no one knows.
Anytime and anyplace, when a person obeys only the gospel, he becomes a Christian, exactly like people were in the first century. They were not members of any of the modern denominations and neither should people today be. The Lord will add people today to His church, just as He did in the first century (Acts 2:47). These saved people must then work and worship with a faithful local church.
People who wish to be saved must be members of the Lord's one true church. Faithful local congregations of God's people already exist in thousands of communities throughout the world. Wherever they are, they seek to follow simply God's word without any human changes. Members of these churches have humbly received forgiveness through Jesus' blood according to the gospel. They are scriptural in name, origin, worship, work, and organization.
Since salvation is free to all, you too can obey the gospel and enter Jesus' true church (Matthew 28:18-20; Romans 1:16; Acts 2:39; Titus 2:11,12; 2 Peter 3:9).
Do you believe the truths presented in this lesson? Will you submit to Jesus' commands today?
Correct answers to the questions are as follows:
*1* = a, *2* = b, *3* = b, *4* = b, *5* = a, *6* = c, *7* = a, *8* = c, *9* = b, *10* = a, *11* = c, *12* = a, *13* = b, *14* = b, *15* = c, *16* = b, *17* = b, *18* = a, *19* = b, *20* = d, *21* = b, *22* = b, *23* = d, *24* = c, *25* = b, *26* = a, *27* = a, *28* = b, *29* = c, *30* = c, *31* = b, *32* = b, *33* = a, *34* = b, *35* = a, *36* = b, *37* = c, *38* = b, *39* = c, *40* = c, *41* = b, *42* = a, *43* = a, *44* = a, *45* = d, *46* = c, *47* = b, *48* = c, *49* = a, *50* = a, *51* = b, *52* = c, *53* = c, *54* = b, *55* = d, *56* = b, *57* = b, *58* = b, *59* = b, *60* = b, *61* = a, *62* = b, *63* = b, *64* = a, *65* = b, *66* = b, *67* = b, *68* = c, *69* = b, *70* = b, *71* = a, *72* = c, *73* = a, *74* = c, *75* = c, *76* = a
(C) Copyright 1990, 1998, David E. Pratte; gospelway.com
Local churches and individuals may, within limits, distribute this Bible study guide for free, but not for sale. Web sites may link to this page but not reproduce it. For details click here for our copyright guidelines.
This material is available if you wish to purchase it in printed form. For a complete list of prices and other titles available, visit Light to My Path Publications.
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Scripture quotations are generally from the New King James Version (NKJV), copyright 1982, 1988 by Thomas Nelson, Inc. used by permission. All rights reserved.


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Great Blue slot
Great Blue slot RTP = 96.03%
5-Reel 25-line Slots
The object of Great Blue is to obtain winning symbol combinations by spinning the reels.
To play the game:
- A wagering denomination (coin value) can be chosen by clicking the Click to Change denomination button in the lower left-hand corner of the screen.
- Line bets are chosen by clicking Bet per Line. Each click adds a coin to the line bet. When the maximum amount is reached, clicking the button again resets the line bet to one coin.
- Paylines are chosen by clicking Lines. Each click activates a payline. When all paylines are activated, clicking the button again resets it to one active payline. Paylines can also be activated by using the numbered buttons on either side of the reels. Selecting a high payline includes all the lower ones too. For example, selecting payline 6 also activates paylines 1 through 5. Clicking Bet Max activates all paylines with the maximum bet per line and spins the reels.
- Total bet per game round = line bet X active paylines.
- Clicking Spin spins the reels with the current selection of lines and line bets. During the reel spins the Spin button changes into Stop. Clicking Stop ends the spin animation and immediately displays the spin result.
- Reels can also be spun using the Auto Start function. Note that you must first set the Autoplay limitations. Click here for more information.
Clicking + or – above Auto Start selects the successive number of spins to be enabled. Clicking Auto Start spins the reels. The Auto Start button changes into Stop during the Auto Start mode of reelspin. The Auto Start mode ends when the reels have been spun the number of times determined by the player, or when the player clicks Stop.
- Wins are calculated according to the paytable. Line win = line bet X corresponding multiplier according to the paytable. Scatter win = total bet X corresponding multiplier according to the paytable. The paytable can be accessed via the Info page.
- On a given payline, only the highest payline winning combination pays while simultaneous winnings on different paylines are accumulated.
- In case of a winning spin, the Win field displays the accumulating winnings. The Win ticker can be stopped by clicking anywhere on the screen to display the total win amount immediately.
- A win activates the Gamble button which, when clicked, starts the Doubling feature. More information about the Doubling feature can be found below.
- A win activates the Gamble button which, when clicked, starts the Gamble feature. More information about the Gamble feature can be found below.
Info page:
- Clicking Info opens the reference screen describing different game components. Clicking the arrow buttons at the lower right-hand corner of the screen enables navigating between the different info screens.
- The Paytable screen shows all winning combinations. When opened after a winning spin, the winning symbol combinations (number of symbols and bet multiplier) are highlighted and blink.
- The Bonus screen describes the necessary combination of symbols to enter the bonus round and describes the bonus round rules.
- The Double screen describes how to try doubling winnings and describes the doubling-up rules.
- Show Paylines can be clicked from the Paytable page to open a screen which illustrates all possible payline combinations. Clicking Hide Paylines closes this screen and returns to the Paytable page.
- Clicking Back exits the Info screen and returns to the game.
- Active paylines are represented by lines that appear over the reels. Paylines can be activated and their shape displayed by progressively clicking Lines.
- Only active paylines can register wins.
- There is a difference between the line bet and the total bet. The line bet shows how much is being bet on a single payline. The total bet shows how much is being bet in total on the game round. Payouts shown in the paytable are multiplied by the line bet.
The Scatter symbol is an exception to these rules. More information about the Scatter symbol can be found below.
About payouts:
- Payouts are listed on the Paytable screen. To find the possible win amount, the line bet must be multiplied by the payout.
- Winning combinations must start from the leftmost reel, and the symbols have to be on consecutive reels.
- If two payline winning combinations occur on the same line, the higher of them is paid out. If more than one active payline has a winning combination, the winnings are accumulated.
The Scatter symbol is an exception to these rules. More information about the Scatter symbol can be found below.
Wild symbol
The Wild symbol can stand for any other symbol, except Scatter, to make the best possible winning combination.
Winnings received from a winning combination that has a Wild symbol are doubled.
Please note: There is also a separate payout for 2 or more Wild symbols on an active payline, as seen in the paytable. This is paid out instead of the regular symbol win, if the win amount from Wild symbols is larger than the win from the regular symbol (by Wild standing in).
Scatter symbol
The Scatter symbols do not have to occur on a particular payline – if there are two or more Scatter symbols in the spin results, an additional win is earned and added to payline winnings. The payout for the Scatter symbols is multiplied by the total bet.
When three or more Scatter symbols occur anywhere on the reels the player gets to play the bonus game.
At entering the bonus game, the player is automatically awarded 8 free spins with multiplier 2. In the bonus game, the player first chooses two sea shells to get 7, 10, or 15 additional free spins and a multiplier of x5 or x8. The additional win multiplier applies to all wins during the free spins. After the player clicks Continue, the free spins commence.
During the free spins, the reels are spun automatically using the same number of lines and bets per line as on the spin that won the free spins. After each spin, the win is displayed in the Win field. The Free Spin Win field shows the accumulated winnings from the current free spins.
After all free spins have been completed, a result board summarizes the winnings. Game win shows the winnings that were received from the spin that won the free spins. Feature win shows the winnings that were received from the free spins. Total win shows the aggregate winnings (Game Win and Bonus Win added up).
Clicking Continue will return you to the main game. If three or more Scatter symbols appear anywhere on the reels during a free spin, 15 additional free spins are added to the existing ones. The win multiplier does not change.
A win activates the Gamble button which, when clicked, starts the Gamble feature where you can bet the winnings from your last spin to try and increase them.
Your current winnings are shown in the Bank field. You can choose to bet these winnings to double them by clicking Red or Black button. Double To shows the amount that will be placed in the Bank, if you win.
If you do not want to bet, you can click Collect to add the winnings from the last spin to your balance and return to the main game. If you choose to bet, you have to guess whether the next card that is going to be revealed is red or black. If your guess is correct, you win. If your guess is wrong, you lose your bet and the Gamble feature ends.
With every win, you can bet again until the winnings in the Bank are equal to or greater than the Gamble feature limit. The limit is shown on the Info page that describes the Gamble feature.
Click Collect to add your winnings to your balance and return to the main game.
Please note: The Gamble button is disabled during free spins and while the Auto Start is active.
Return to Player
The theoretical percentage return to player (RTP) is 96.03%.
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subset: commoncrawl


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What you need to know before you go
Athens is known as the birthplace of civilization – its rich history dates from the Neolithic age. There is so much to see and do, both historic and modern, that a planned itinerary is essential if you're going to get the most out of the must-see neighborhoods like Plaka, Thissio and Monastiraki. As you roam this vast metropolis, you will encounter a multitude of monuments, museums, tavernas, and ouzerias giving off the scent of garlic and oregano. Chic boutiques stand alongside market stalls where loud locals try to sell their tchotchkes. Bring money, comfortable shoes, and your sense of wonder.
What to see & do in AthensFeatured stories & fun stuff
Where & what to eat in Athens
10 Best Local Dishes from AthensMany of the best local dishes from Athens contain healthy doses of olive oil with creamy feta cheese and a variety of herbs and spices. You'll see these ingredients served with salads, meat dishes and vegetarian staples. It doesn't stop...
10 Best Local Restaurants in AthensThe best local restaurants in Athens include some of the Greek capital's hidden gems. Beyond the ubiquitous tourist traps, these...
10 Great Restaurants in AthensThis guide to great restaurants in Athens includes fabulous choices where you can enjoy both traditional and contemporary Greek and...
Where to shop & what to buy in Athens
Where to go & what to do at night in Athens
Useful information
More information about Athens
Expect Ancient Greek relics, creative Mediterranean cuisine and vibrant nightlife on an Athens city break. Book an Athens hotel to discover the roots of European civilisation.
Ancient wonders
Touring the ruins of one of the ancient world's most important civilisations is top of every Athens itinerary. Rising in the city centre, the Acropolis is a rocky mound crowned by the 5th-century BC marble Parthenon. Nearby, the New Acropolis Museum is a hi-tech, all-glass building displaying ancient sculptures. Visit the National Archaeological Museum to marvel at the world's finest collection of Ancient Greek treasures, including Mycenaean golden jewellery and Minoan frescoes.
Eating out
After exploring the Acropolis, relax over lunch at a rustic taverna in the Plaka district or grab a souvlaki to eat on the go in the nearby Monastiraki bazaar. Come sunset, head for Psirri or Gazi, both packed with trendy restaurants and late-night bars. The smart set prefers up-market Kolonaki, home to excellent Greek, French, Italian and Japanese restaurants. For seafood, try Mikrolimano, a pretty fishing harbour rimmed with seafood restaurants. The covered Central Market is the place to pick up local picnic ingredients.
After dark
For an unforgettable view of the floodlit Acropolis, enjoy a nightcap at an open-air bar in Thissio. In Psirri and Gazi, countless bars and small clubs play music ranging from traditional Greek to rock and electro. In summer, the big clubs move from the centre to open-air coastal locations in Glyfada and Vouliagmeni, while the Athens Festival has evening cultural performances in the ancient Herodes Atticus Theatre below the Acropolis.


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Your Yamaha is a highly sophisticated vehicle that has been manufactured using the most technologically advanced components. Yamaha technicians take pride in their work, and so when they're carrying out routine maintenance or replacing worn or damaged components, they always use Genuine Yamaha Spare Parts.
You can be sure that every Genuine Yamaha Spare Part is a perfect fit, and it will also give you the high levels of performance and efficiency that you expect from Yamaha.
So be smart and keep it Genuine, because you know that your Yamaha deserves only the best.


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President Obama has made his entire career off of not being George W. Bush. During his shockingly fast political rise, he differentiated himself by claiming that he had stood alone against the warmongers who wanted to depose Saddam Hussein (never mind that he wasn't in Congress at the time). During the 2008 campaign, he claimed that he wouldn't be the kind of president who would enter America into open-ended conflicts without true American interests at stake. Iraq, he said, was the bad war; Afghanistan was the good war.
Well, so much for that.
For a man who sees the war in Iraq as indicative of America's imperialistic adventurism, President Obama sure does enjoy imperialistic adventurism. In Libya, President Obama led the effort to provide al-Qaida-linked rebels with weapons and stop the Muammar Qaddafi regime from using military force to crack down on them. Never mind that Qaddafi posed little or no threat to American interests. "Confronted by (Qaddafi's) brutal repression and a looming humanitarian crisis, I ordered warships into the Mediterranean," Obama declared.
Then, in Egypt, President Obama decided to throw his lot in with the Muslim Brotherhood-led opposition to dictator Hosni Mubarak. Never mind that Mubarak allied with America to ensure at least a measure of stability in the most volatile region on the planet. "Egyptians have made it clear that nothing less than genuine democracy will carry the day," Obama announced.
Finally, in Syria, President Obama has decided to double-down in his support of the al-Qaida-led opposition to the Bashar Assad regime. Never mind that former Secretary of State Hillary Clinton called Assad a "reformer." Never mind that Russia and China oppose action against Assad, and that the Obama administration had announced a new era of international cooperation with both countries.
"Syrian President Bashar al-Assad should heed U.S. warnings to neither use nor move chemical or biological weapons, lest he risk crossing a 'red line' and provoke a U.S. military response," Obama said.
And so now America will likely embark on another episode of swashbuckling Democrat-led interventionism in a part of the world in which America has no friends. At least President Bush went to Congress for authorization to use force in Iraq. President Obama's imperialistic ambitions match his imperial attitude toward the executive office: He needs no Congressional approval, and so he will seek no Congressional approval. In Libya, Obama never bothered to ask Congress to sign off on a no-fly zone; instead, he simply put the military in place, then ignored Congressional deadlines for a cut-off. In Egypt, Obama has avoided declaring the current Egyptian military coup a coup -- and yet Obama is apparently ready to cut off aid regardless, meaning that he wants to avoid any sort of Congressional control over his decision-making.
Now, in Syria, Obama is readying the missiles, despite the fact that just 9 percent of Americans want America to intervene in Syria. Why? Because for Obama, personal pride is at stake. Obama once accused George W. Bush of a petty obsession with Saddam Hussein and Iraq.
But at least America had interests in Iraq ranging from preventing terrorism to quashing threats to American oil flow. America has no such interests in Syria. President Obama is intervening in Syria for one reason: He wants to. He wants to because he set down a "red line" on the use of chemical weapons in Syria; he wants to because he is sick of being seen as a lead-from-behind world ninny; he wants to because he believes that his personal influence trumps the Islamism of the enemies we now fund and arm. Most of all, President Obama wants to intervene in Syria because we have no interests in Syria.
This has become a running theme with Democrat-led wars. American interests in Yugoslavia were non-existent. American interests in Somalia were non-existent. For Democrats, the virtuous war is the war in which America has nothing to gain -- except, of course, glory for the occupant of the White House.
President Bush could rightly be accused of wanting to remake the Middle East in the American image. President Obama wants to make the Middle East over in his own image, unblemished by considerations about America. A new world. A world without American hegemony. And he'll use American force to do it.


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If you've walked past Deep's (AKA Trikasaurus) house on Valencia street, you've probably seen Trixie, the chloroplast-fortified triceratops guarding in his custom parklet.
Ever wonder how she came to be? No, not extracted DNA from prehistoric amber deposits. Apparently the idea was a no-brainer pitched by his architect:
…as the parklet project was really making progress, Jane proposed doing a "succulent sculpture" for it. And since she was so dead-on about the parklet,
I immediately said sure!I thought "Ummm – a what?" Jane excitedly explained that our parklet needed an artistic focus & that it should be plant based. At that point, seeing her vision completely, I said "sure!"I said "Ummm – hmm" & started trying to figure out how to say "no" to something she was so enthused about.
Ummm, yeah. Read on at Deep's blog for the full story.


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Comic books browse by: Shop category:
Artist Rick GearyAvailable series in store category "Comic books"
Rick Geary in the COMICLOPEDIA
" Kansas City artist Rick Geary is best known for his work for The National Lampoon, for which he drew for thirteen years. He got a bachelor in communication art and a master in film at the University of Kansas. Working as a freelance artist since 1976, his work has been published..." [ Read more ]


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A13 Hearing Aid Battery
6 pcs – A13 Hearing Aid Battery – Evergreen Brand
Size 13 Hearing Aid Battery – Evergreen Brand
EACH PACK CONTAINS 6 PCS OF A13 battery.
Zinc-Air button cell batteries are widely used in many Hearing Aid devices, and are available in 4 different sizes, the A10, A13, A312, and A675. With these high quality Evergreen Brand Zinc Air battery, you will experience fewer battery replacements, clearer tones, less distortion, and longer service life. These batteries give the highest energy density of any battery system and is environmentally safe.
Product Summary:
- Super Long Service life 2-10 times longer than any other battery system.
- Flat Discharge Constant output voltage makes less adjustment of your hearing aid.
- High drain output will power the most heary duty hearing aid easily.
- Excellent Sealed Shelf Life Up to five years shelf life sealed with tab.
- Model #(size):A13
- Dimension: 7.9mm x 5.4mm
- Standard Load: 330
- Nominal Capacity: 300mAh
- Weight: 0.83gram
For some people, a good alternative to this Zinc-Air battery is the Silver Oxide version of the popular Hearing Aid A13(Orange color) Battery. The Silver Oxide version is call the S754/393 battery, and you can purchase it here:
S754/393 button cell battery
This battery is used in the following devices:
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Why trading Matt Flynn made sense for the Seahawks
Apr 7, 2013, 5:46 PM | Updated: 6:06 pm
By Brock Huard
Seahawk fans, welcome to life with a franchise quarterback, and for arguably the first time in franchise history, having a homegrown, cost effective (for now) franchise passer.
Your life as a fan has changed. You can no longer banter about a lack of respect or wonder what fandom is like for the Saints, Broncos, Patriots and the select, lucky few who have the most important position in sports filled with a player they trust to build around. You are now a part of the "haves" instead of the "have-nots," and with most things in life, there are a few trade-offs (no pun intended).
You see, life with Russell Wilson means sacrificing a little, and in the case of backup Matt Flynn, sacrificing a $10 million payday from 2012 that paid no dividends on the field. Last week's trade to Oakland for a couple late-round selections in 2014 and '15 also closed the book on any future dividends of a competent, quality backup.
So why make the move? General manager John Schneider clearly stated there was a model in place to keep Flynn aboard, and from a fiscal, salary-cap perspective Flynn was not harming the budget.
In my opinion, there were three reasons Flynn became expendable:
Flynn's talent and upside
One year ago when Flynn was signed, the organization made it very clear he would compete for the starting job. The competition, the contract and the drafting of Wilson in the third round backed up those words and more importantly were signs that while Flynn was liked by the Seahawks' evaluators, he was by no means loved.
The Seahawks' war room had a very similar split with the 25th pick in the 2011 draft. Many liked Andy Dalton and had a desire to select him, but there was not enough consensus in the room that Dalton had the unique talent and upside to be elite. Two seasons later, that evaluation hits the mark as Dalton has led the Bengals to the playoffs and been an excellent facilitator, but to this point hasn't shown the ability to carry the franchise and be more game-changer than game-manager.
Schneider and coach Pete Carroll seek and desire difference-makers with a unique skillset that fits into their schematic and personnel puzzle. While Flynn is polished and fundamental, he is not dynamic in any capacity, whether it be arm talent, movement, size or strength.
Thus, it should not have been surprising that very few made a run for his services in free agency last year, and why those most familiar with him – Joe Philbin in Miami, Gus Bradley in Jacksonville, John Idzik in New York – said thanks, but no thanks.
Financial planning
While Seahawk fans love SPAM (Spending Paul Allen's Money), Schneider and new capologist Matt Thomas have the responsibility of spreading that dough around for years to come.
Three million here, six million there goes a long way in the business models the Seahawks employ. In fact, the $3.25 million cap savings on Flynn's deal this season may allow for a contract with Kam Chancellor to get done. Taking Flynn's $6 million salary off the books in 2014 may facilitate a deal with Pro Bowler Earl Thomas.
The pencil sharpening and the penny counting will only get more difficult and challenging in the coming years. An opportunity to add more cost-controlled draft picks in 2014 and '15, and more importantly to stay out ahead of the budget, played a role in moving Flynn.
Wilson needs an engaged backup
Carroll said in no uncertain terms during the combine that Wilson's commitment and work ethic cannot be discounted or downplayed when it comes to player acquisition.
After spending two years in Indianapolis with an equally driven and demanding quarterback by the name of Peyton Manning, I can understand Carroll's sentiment. Watching Manning work, and just as importantly watching Marvin Harrison and Edgerrin James commit equally to their craft, elevated everyone in the building. As a backup, it meant trying to keep up with No. 18 with off-day meetings, early game-planning sessions and extra time with film study. Either buy in, commit and grab an oar or go elsewhere.
It was my understanding that last season it was Wilson who was in early and staying late. It was Wilson in the facility on Tuesdays getting a head start on the game plan. Wilson was grabbing the oars and had very little if any help from the backup. Josh Portis was actually more willing than Flynn to commit to the extra-credit time when no one was watching.
Let me be clear: Wilson showed last year he doesn't need a cheerleader or another set of hands in the meeting room to do his job and to do it well. But he will also be heading into some uncharted waters in the year(s) ahead. He will be the hunted and the favorite, not the underdog. He will be carrying a weight of expectations unlike anything he experienced at North Carolina State, Wisconsin or as a rookie proving his way last season.
Having a peer or two to confide in, a quarterback room with clear and established roles, and a work force willing to grab an oar and do a little more may just make the difference in a long and challenging journey to New York City next February.


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The Culinary Institute of America, San Antonio, 312 Pearl Parkway, Building 2, is conveniently located less than 10 miles from the San Antonio International Airport.
From the airport, start out going north on Airport Boulevard and turn right. After 0.4 miles, take a slight left onto Airport Exit/Airport Boulevard, then turn right onto S. Terminal Drive. Follow for 0.3 miles, and then turn left onto N U.S.-281/McAllister Freeway. Merge onto U.S.-281 S via the ramp on the left towards downtown San Antonio. Continue for six miles, and take the Josephine Street exit towards Grayson Street. Stay straight to go onto Avenue A. Turn left onto Pearl Parkway.
Note: CIA does not endorse any external websites. They are listed for your convenience.


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Optra Color
Lexmark Optra Color Cartridges and Printing Supplies
We carry the high quality printer cartridges for your Lexmark Optra Color at the discount price with genuine quality and satisfaction. Our cartridge was professionally re-engineered in a manufacturing facility that uses state of the art processes to insure that these cartridges will print as well as the original. It will be ideal for professional images, photo prints, and quality output.
Our cartridges for your Lexmark Optra Color are backed by a full one year 100% satisfaction guarantee. Take advantage of our great prices on our replacement cartridges and save even more on printing supplies for your Lexmark Optra Color.
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Electricity pricing proposals & AMI charges
The electricity distribution businesses are required to submit an annual pricing proposal to us outlining proposed prices to take effect from the commencement of the next regulatory year. The structure of the tariffs set out in each distributors annual pricing proposal must match those approved by us in their tariff structure statement. This obligation commenced in 2017 as network tariff reform began to take effect. Distributors' tariff structure statement proposals can be found within their determinations. In 2016, Victorian distributors also submitted advanced metering infrastructure (AMI) charges for our assessment for the last time.
We approve the proposals if we are satisfied they comply with rule requirements and any applicable distribution determination and if all forecasts associated with the proposals are reasonable. The businesses are required to maintain approved prices on their websites.
Gas annual tariff variations
The gas distribution and transmission businesses are required to submit an annual tariff proposal to meet the requirements of their individual access arrangement. We will approve and publish the tariff report if satisfied that the proposed reference tariff variations comply with rule requirements and any applicable access arrangement.
Archived information
Please note, historical pricing proposal and tariff variation information is archived and is available by request via AERinquiry.


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- October 1, 2014
- Posted by: admin
- Categories: blog, Commercial Vehicle Insurance, Insurance Coverages, Miscellaneous
Your vehicles are the backbone that keeps your business up and running. But when it comes to the insurance for those vehicles, there may be some misconceptions floating around out there. There are many commercial vehicle insurance myths and should be considered when shopping for car insurance in Springfield Ma.
For example, you might have been told that it's okay to cancel your vehicle insurance in the off-season, or that all of your drivers are automatically covered by your policy.
To help you get to the facts about commercial auto insurance, we've collected some of the more widely-held misconceptions and uncovered the truth about them–along with some tips on how to make sure you have the right coverages for your business.
1. Myth: It's cheaper to cancel your insurance if you have a seasonal business.
Fact: Not necessarily. If you cancel your insurance policy, your stored vehicles won't be protected. A Comprehensive-only policy provides coverage for a business that doesn't need liability coverage during certain months, but needs basic protection against incidents, such as vandalism, theft, falling tree branches, hail, etc. This is ideal for vehicles that sit for long periods during off-season.
Plus, a Comprehensive-only policy provides continuous insurance which may save you money in the long-run. If you drop your insurance completely, you may pay significantly more to purchase a new policy when your peak season rolls around because most insurance companies ask for proof of continuous coverage to get you the best rate.
2. Myth: All commercial vehicle insurance companies use their own claims adjusters.
Fact: Most companies use part-time or contract adjusters to handle commercial vehicle claims, which can slow down the time it takes to get your vehicle back on the road and in business. Progressive handles 100 percent of its commercial vehicle insurance claims with its own staff of in-house commercial insurance experts, making sure claims are processed faster than other insurers that outsource this work.
3. Myth: You must pay your insurance premium in full up-front.
Fact: This isn't always the case. Some insurance companies offer payment plans that allow your insurance premium to be paid in installments, with very little initial payment. Keep in mind that you might qualify for a discount if you pay your policy premium in full up-front; however, your carrier or agent may also have other bill plan options available to help you manage your cash flow. Progressive, for example, offers several bill plans, including low initial payments and no interest financing
4. Myth: Your employees are covered when they drive your business vehicles.
Fact: Some vehicle insurance companies will only extend coverage to drivers who are specifically named on the policy. Make sure your insurer allows "permissive use," which means that all of your drivers are covered as long as they have your permission to operate the vehicle.
5. Myth: It's cheaper to buy all of your business insurance products from the same company.
Fact: You need a wide range of coverages to protect your business, from commercial vehicle insurance and general liability to workers' compensation. While it might be easier to buy all of these products from the same company, you could save big bucks by buying your policies from separate providers. Shop around to find the best deal, or ask your local agent for quotes from several different companies.
6. Myth: All insurance companies offer 24/7 service.
Fact: Many insurance companies are only available during regular office hours, which can make filing a claim, adding a vehicle to your policy, and paying bills inconvenient. Before you buy, check with your insurance company to make sure they're available when you need them.
There are many commercial vehicle insurance myths. Do you wonder if one of your perceptions about vehicle insurance is myth or fact? Talk to Ken Ross at Western Mass Auto Insurance, he can provide answers and help you determine which coverage's are right for your business.
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