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Non-discriminatory Plan
The IRS only permits the first $50,000 in term life insurance coverage to be exempt from imputed income in cases where the coverage is provided on a non-discriminatory basis. A plan is considered to be discriminatory if it provides benefits that favor
'highly compensated employees' (HCEs). As presently defined under IRC Section 414(q)(1)(B), this would include all employees earning over $115,000 in 2012. A discriminatory plan would provide coverage that either excludes certain employee classes while
covering HCEs or provides benefits for HCEs that are greater than those provided to non-HCEs. The regulations do allow for benefits to differ in proportion to salary (i.e. – a plan providing coverage in multiples of salary to all employees) but otherwise require
consistency in order to meet the non-discrimination
For plans that fail the non-discrimination test, imputed income must also be applied to the first $50,000 in group term coverage for HCEs only (not for non- HCEs).
Tax Implications for Discriminatory Employer-Paid Life Insurance Plans
Under some circumstances, key employees may not be allowed the tax exemption for $50,000 of employer paid life insurance. For the tax exemption to apply to key employees, an employer's term life plan must meet the Section 79 non-discrimination requirements.
Section 79 does not allow plans to favor key employees in either eligibility or benefits. If the plan design favors key employees, the value of the entire amount of life insurance coverage the employer
provides becomes taxable for those employees only. Separate non-discrimination tests consider eligibility and benefits. The first step in non-discrimination testing should be to identify key employees covered by the life insurance plan. One can then conduct the
eligibility and benefits test to determine whether the plan favors those employees.
Key Employees and Benefits Eligibility Test
The benefits eligibility test is designed to determine whether the plan favors key employees when it chooses who may participate in the employer-paid group life plan.
A key employee is any employee who at any time during the plan year is:
• A more than 5% owner.
• An employee owning more than a 1% interest in the company and whose compensation or income from the employer exceeds $150,000 a year.
• An officer of the employer whose compensation exceeds $165,000 for 2012.
A group life plan is considered discriminatory if it cannot pass at least one of these tests:
1. The plan benefits at least 70% of all employees.
2. At least 85% of all participants are not considered key employees.
3. The plan covers a nondiscriminatory class of employees as determined by the Internal Revenue Service.
4. If premiums are deducted pretax via a cafeteria plan, the plan must satisfy the Section 125 nondiscrimination requirements.
An employer may disregard the following employees when trying to determine whether the plan meets the non-discrimination requirements:
• Workers employed for less than three years.
• Part-time or seasonal employees.
• Employees covered by a good faith collective bargaining agreement between the employer and union.
• Non-resident aliens who receive no earned income from the employer.
Non-discrimination standards apply to current, disabled, former or retired employees. Employers must test life benefits for these classes separately from active employees. Many organizations offer employer paid life insurance to all full-time employees.
Key Employees and Benefit Amount Test
Group life plans cannot offer key employees higher benefits. A plan will automatically pass this test if:
1. The plan provides the same amount of employer-paid life insurance to all employees; for example, a flat $20,000 life benefit to all employees; or
2. The plan determines the benefit amount on a percentage of income and uses the same percentage of earnings for all covered
employees. For example, all eligible employees are covered for an amount equal to their annual earnings. However, even if a plan does not offer the same coverage amount or percentage for all employees, it still may not automatically favor key employees. If employers offer different benefits for different classes of employees, in order to pass the 'benefit amount' test, the
organization must determine whether each class can pass any of the eligibility tests described in the previous section. This is confusing but the following example should help.
ABC Company has 500 employees and offers two classes of employer-paid group term life coverage. It offers all 400 of its hourly employees a life benefit equal to their annual earnings. At the same time, it offers 100 salaried employees a life benefit equal to double their annual earnings. No key employees are hourly, and 10 key
employees are salaried. Only salaried employees must meet benefits eligibility standards because that benefit class covers all key employees. Of the 100 salaried participants, only 10 are considered key employees. Since fewer than 15% of the salaried employees are key employees, this plan design would not be considered discriminatory with the current headcounts. The benefit
design passes the second eligibility test described in the previous section: at least 85% of all participants are not considered key employees. If the company adds a third class of employer-paid group
term life coverage with benefits equal to triple annual earnings but offers it only to key employees, then this class would not meet the eligibility test. The plan would be considered discriminatory, and key employees would face tax consequences.
The Internal Revenue Code lists two exceptions to the non-discrimination rules:
1. A church group life insurance plan for church employees. This exception does not apply to church supported institutions of higher learning (other than a school for religious training) or a church supported non-profit medical or hospital facility.
2. Any additional life insurance that employees pay for out-of pocket is not included in the nondiscrimination determination. If this additional life insurance coverage is available only for key
employees, however, then the plan is considered discriminatory. Employers need to review their life coverage annually to make sure the plan doesn't favor key employees.


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Labels for IT equipment
Mark your laptop, mobile phone, headsets etc.
It can be very costly and is extremely frustrating to get the mobile phone or the laptop stolen. Meanwhile if you take the time and mark your valuable equipment, then you reduce the risk of theft dramatically, as it is then more difficult to re-sell the equipment for a theft.
It is too easier to get back the equipment, if you have lost it i.e. on a walking trip, in the train, at the sport club, as the founder knows instantly, who to contact. Avery have a large and comprehensive range of labels in various sizes, which is perfect for marking mobile phone, technical devises, laptops and similar
- Labels for letters
- Freight and shipping
- Security & Identification
- Labels for Label Printers
- Labels for Handwriting
- Colour Coding
- Marking & Visibility
- Filing & Organising
- Multipurpose Labels
- Decoration & Creativity
- Clothing Labels
- Round & Oval Labels
- Removable Labels
- Strong Labels
- Label Remover
- Labels for Tools
- Labels for IT equipment
- Labels for Outdoor use
- Labels for Warning
- Anti-theft labels
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- Signage
- Naming
- Paper & Dividers
- Avery Markers
- Creative Products
- Labels for Printing Houses
METO - Your Retail Label Expert
- Hand Labeling Solutions
- Customer Flow Management
- Naming for Employees
- Store Level Communication
- Shelf Management Communication
- Product Catalogue
- Customized Solutions

subset: commoncrawl


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A Very GLORIO 2018: Gee Please Stop Handing Out Random Awards
Gee you can't just make up awards as an excuse to praise whatever you feel like.
Gee you can't just make up awards as an excuse to praise whatever you feel like.
Jel, Iro, Marlin, and Gee aka Team GLORIO USA share their final thoughts on the Winter season. We talk about our favorite (or not so favorite) shows, discuss if Netflix is bad for anime, and Jel and Iro continue to battle over segues.
Zigg joins the usual lineup of Jel, Iro, and Gee as we catch up on Mr. Osomatsu and it's stellar episode 18, Garo – Vanishing Line's penchant for bullet punching, Violet Evergarden's big change in episode 5, and of course our favorite dumpster fire, Darling in the FranXX.
In his annual musing, Zigg talks about how he was surprised (in both good and bad ways) by many of the shows which came out this year.
2017, despite being something of a garbage fire of a year, ended up being pretty good for anime. Between some original standouts, old franchises returning to form, and some excellent adaptations, anime is as fresh as it's ever been, even in the face of some truly offensive offerings. As my life gets busier, I find I end up watching less than I'd like, but nonetheless, here's my arbitrary list of awards that give me an excuse to talk about some of that anime.
Behold, the field in which we grow our blogs! Lay thine eyes upon it and thou shalt see that it is barren! In the chaotic race towards the final days of this godforsaken year and the 12 Days of Glorio we'll celebrate to see it off, we'd almost forgotten all about our seasonal look back…
It's Garo! Again! This time we're in a present day metropolis where distant teenager Sophie runs afoul of Horrors. Fortunately, she's rescued by Sword, the latest wielder of the golden armour.


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West Orange, NJ Pest Control
Arrow Pest Control is a family owned and operated business that has over 40 years of experience in the pest control industry. Through honesty, integrity, and hard work we have developed long-term relationships with all our customers and provide exceptional, eco-sound, affordable pest control services. Whether you are looking for general or targeted pest control services to protect your West Orange home or business from common New Jersey pests, you will be able to find exactly what you need at Arrow Pest Control. For the most industry leading, effective pest control services found in New Jersey, protect your West Orange property from insects, rodents and more by turning to the professionals at Arrow Pest Control!
Pests Active In West Orange, NJ
Residential Pest Control in West Orange, NJ
Arrow Pest Control offers three different year-round residential pest control programs that offer year-round, customizable protection to guard your home against common, household invading New Jersey insects and rodents. Our basic, but highly effective program is our Home Protection program; it offers three seasonal service visits, coverage against more than 30 common household pests, and free emergency service if it ever becomes necessary. Our Home Protection Plus program offers our customers the same benefits found in the above Home Protection program, PLUS a bit more protection; through carpenter ant control (carpenter ants, pharaoh ants, and acrobat ants) and our termite monitoring advantage. For the most comprehensive solution to pests, turn to our Arrow Premier program. It provides customers with the benefits of year-round pest protection, 4 seasonal service visits, coverage for more than 30 common household pests, carpenter ant control, our termite monitoring advantage, termite control, and free emergency service. Give us a call to learn more about our solutions to residential pest problems.
Most Common Ants in West Orange, NJ
Ants are a household invading pest that most everyone in the world is familiar with, in our area of the world the acrobat ant, carpenter ant, odorous house ant, and pavement ant are most commonly found invading homes.
Acrobat ants are named and easily identified by their ability to hold their entire abdomen up over the rest of their body. Acrobat ants contaminate food sources and strip the insulation from wires found in your home which can cause short circuits to occur.
Carpenter ants invade properties while foraging for food and shelter. Once inside they are often attracted to structural wood that has been previously damaged by water. They will invade the wood creating tunnels and nesting galleries; if left untreated the tunnels and nesting areas that they create can eventually weaken the structural integrity of the property they are invading.
Odorous house ants create an unpleasant odor that is likened to blue cheese or rotten coconut. In most cases, odorous house ants enter into homes while foraging for food sources or because of heavy rains that have caused the ground to become too saturated with water for their likening.
Pavement ants create nests underneath of structures like sidewalks, patios, foundations, and concrete slabs. Pavement ants invade properties in very large numbers and inside of homes and other buildings contaminate food sources.
To protect your West Orange property from ants Arrow Pest Control always recommends implementing year-round residential pest control services. Ants (and any other pest) have the ability to enter your home any time of the year, this is why year-round protection is so very important. Our Home Protection Plus is a year-round program that provides full interior and exterior services to protect your entire property from common household pests including all of the ants listed above. Contact us today to learn more about our ant control services.
Why You Should Consider Commercial Pest Control in West Orange, NJ
If you want to protect the reputation of your business, protect your business' bottom-line, keep your employees and customers happy, and protect your products, you should consider putting into place a year-round commercial pest control program from Arrow Pest Control. Let us help you implement the year-round services needed to protect your commercial facility from highly invasive, damaging, and disease-spreading pests. Our professionals provide our commercial customers with tailored pest control plans that will meet the specific needs of your West Orange commercial property, exceed industry standards, and of course comply with industry regulations. We also have specific services to control rodents and wild animals that are causing problems in and around commercial properties. Give us a call to learn more about our QualityPro rated commercial pest control services and how they can work to very effectively protect your property, business and reputation from pests!
Termite Control Options in West Orange, NJ
To control invasive, wood-eating termites we offer the following termite control options:
Free on-site termite evaluation.
Treatment using American's #1 termite defense product - Termidor.
Arrow's Termite Warranty- A one-year, renewable warranty against re-infestation. Each year upon renewal you will receive a termite inspection.
Termite Pre-Treatment Service- A termite pre-treatment service is performed while a home or business is still under construction to protect it from future problems with termites.
Wood Destroying Insect Inspection and Reporting- A highly trained termite expert will inspect for active termite infestations, evidence of termites and termite damage, conducive conditions, and other wood-destroying organisms. You'll be provided with written documentation of our findings including the completion of the NPMA-33 report.
Protect your New Jersey property from termites by partnering with New Jersey's premier termite control experts. Contact us today to get started guarding your home against termites through our highly effective termite control services.
Pest Control Employment In West Orange, New Jersey
Looking for a rewarding profession in an ever-growing field? A career in pest control may be right for you! This burgeoning industry is looking for ambitious, dedicated and motivated individuals to join the workforce. Working for a pest control company covers a wide-range of interests including customer service, business and science; making it an ideal career path for many people. Whether you're searching for a position as a licensed pest control technician, a career in pest control provides plenty of opportunities for personal and professional growth.
Request Your Free Inspection
Schedule Your No Obligation Inspection Today
Recent Blog Posts
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Before you start using, please read the main guidelines on the pages
-Terms of use
-Privacy policy.
First, you need to create an account. Go to the website (www.azara.ai), click sign up in the menu and provide personal information. Then you need to select log in and enter your data
After sign up, you need to select the merchant menu in your account; then click add a merchant. Fill data and save the API key and secret.
You can get all necessary information in the menu of your merchant in your personal account by selecting the merchant DOC section
If you could not find an answer to your question you are always able to contact our technical support. We want offer our customers the best service, therefore our tech support works 24 hours and 7 days a week without interruptions.
Choose a suitable way:
- create a request by selecting the desired department on the page help&support
- contact us by email [email protected]
The support service solve problems as quickly as possible, but speed of assistance depends on the completeness of the information provided by the client and the workload of tech department
Azara strives to create only reliable and safe tools for customers, but we pay attention to the fact that the safety of funds lies primarily on users.
The main source of information about the company is website www.azara.ai
Telegram bot and APPlications provide the same features and capabilities that are available in your account.
For convenience, you can choose any available way to manage and configure the platform:
IOS and Android APP
Personal account
Telegram bot
Azara interacts with several bitcoin exchanges when calculating exchange rates
These exchanges complies with the requirements of the company as they have sufficient liquidity and advanced functionality
In the future, we will offer additional functions at exchange rates of cryptocurrency as well as national currencies.
For convenience the company made the minimum invoice cost, which is 0.0002 bitcoin. It is about 1 USD.
One of azar's excellent tools is a cryptocurrency exchanger which works also backwards.
It helps to fix income in USD.
Currently, the minimum amount available for exchange is 0.005 Bitcoin
Yes, customers are charged a fee of 0.2% on each side of the exchange.
Learn more about platform fees on the page «Pricing»
Azara does not charge a withdrawal fee
The company offers for its clients ((financial services, charitable foundations, APPlications, start-ups, etc.) Only the best payment processing conditions. Currently, it is 0.3%. More details are on the page «pricing».
The minimum amount for withdrawal is 0.005 bitcoin
Now the company maintains bitcoin processing
In the near future, we will expand the cryptocurrency list.
Also, Azara is ready to cooperate in adding new cryptocurrencies
Withdrawal is instant. In rare cases it may take up to 30 minutes
If there is a delay in the withdrawal of funds, please contact technical support.
It may hAPPen if you made a payment not from a personal wallet but from a third person service (exchange or exchange service), since these services may take a delay to withdrawal.
You need to contact support service you used you to make payments and report all required information (amount, order id)
This service will be useful for financial services which simplifies the automation process of withdrawal
To enable this function, you need to get the API keys. API keys are in the menu of the rest API account. Next you can use the way /API/ v1 / user / withdrawal / create / method
Learn more on the page docs API.
You can get the following info:
-date and time of operation
-sum of operation
-type of transaction
-comments and transaction ID
- operation condition
We strongly recommend activating two-factor protection to increase the level of security of your funds
Before using two-factor authentication, you need to install a mobile APP. Azara recommends using Google Auth.
After installing the APP, perform the following steps:
Log in your azara account and select the setting menu. Change the position of the 2FA flag
Open the authenticator APP , click +, and then scan qr code in your account or enter a text code.
You will see a 6-digit code that changes periodically in the authenticator APP. Enter the code from the APP in the field enter code.
Click confirm and 2FA will be active.
Change password is really easy. It is enough to log in, select in menu «setting». Enter your current password. After that change password and confirm changes
You need to contact technical support and provide detailed information.
Do not worry if you lost your password. You need to contact our technical support, which is always ready to help.


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ARRIVA TRAINS - Arriva Trains Wales Train Ticket Prices, Timetables and ReservationsPay less for your Arriva Trains train tickets when you book your tickets online in advance
4.4 stars - Based on 267 Verified Customer ReviewsArriva Trains
Arriva Trains Wales Train Ticket Prices, Timetables and Reservations
The best deals on train fares and the cheapest tickets from Arriva Trains.
Travel in comfort and style for less to London, Chester, Shrewsbury and Hereford with Arriva Trains
Arriva Trains Wales operate most train services in Wales, including almost all of those which are wholly within Wales. Services from Swansea, Cardiff and Newport to and from London are operated by First Great Western, whilst those from North Wales (Holyhead, Bangor, Rhyl and Wrexham) to London are operated by Virgin Trains.
There are four main routes along which Arriva Trains Wales services operate - the north Wales main line from Holyhead and Bangor to Chester; the South Wales main line from Newport via Cardiff and Swansea to Pembroke, Fishguard (for ferry services to Ireland) and Milford Haven; the Cardiff - Manchester and North Wales route via Hereford, Shrewsbury, Wrexham and Chester; and the Cambrian lines from Birmingham, Telford and Shrewsbury across central Wales to Aberystwyth, Barmouth and Pwhelli. Arriva Trains Wales also operates the many 'Valley Lines' services from Cardiff, and the highly scenic 'Heart of Wales' line from Shrewsbury to Swansea via Llandrindod Wells and Llanelli.
The company's flagship service is the daily Holyhead - Cardiff service via Bangor, Chester, Crewe, Shrewsbury, Hereford and Newport which conveys first class accommodation and a restaurant service.
Otherwise Arriva Trains Wales services operate with Standard Class accommodation only, though many of the longer-distance services convey at-seat catering.
Rail Saver finds you the most cost effective Arriva Train fares for your rail journey quickly and easilly. Enjoy more rail travel for less when you use Rail Saver to book your Arriva Train tickets online.
47 Penarth Road
United Kingdom


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14 Mar Nutrition Facts That Will Blow Your Mind
Labels can be misleading. Corporate agendas can push misinformation. It can be hard to know when you're making the right choices for you and your family's dietary needs. Here are a few simple nutrition facts that we believe will help you build a knowledge base around good nutrition.
The Food and Drug Administration (FDA) has banned trans fats as of June 18, 2018, though products manufactured before this date can still be distributed until 2020.
Around 1980 we saw a drastic increase in obesity, type 2 diabetes, and the myriad of health issues that come along with them. The simultaneous rise in the production of foods that include trans fats has lead the FDA to ban these life suckers! Stick with foods that offer healthy fats like salmon, avocados, or nuts.
Recently, the egg has gotten a bad rep because their yolks are high in cholesterol. However, studies show that cholesterol from eggs doesn't raise blood cholesterol in the majority of people.
It was deemed the incredible, edible egg because it is! Eggs are a healthy source of protein, they're cheap, and really versatile to cook with.
Just like your body's cells, the bacteria in your body need to eat too, and soluble fiber is their preferred fuel source. This may be the most important reason to include plenty of fiber in your diet, to feed the beneficial bacteria in your intestine.
Fueling the beneficial bacteria in your body can be as easy as taking a fiber supplement. Or you can be sure to add high fiber food to your diet like certain fruits, veggies, beans and nuts.
Eating more protein has been shown to lead to automatic calorie restriction and significant weight loss without deliberately restricting calories.
Focusing on cutting calories can be daunting. Calorie restriction is tough for the majority of us. Instead, focus on eating more protein. It's simple psychology. You won't feel as though you're denying yourself but still get the benefit of naturally reducing your caloric intake.
Foods that are naturally gluten-free are fine, but gluten-free processed foods are often made with unhealthy ingredients that may even be worse than their gluten-containing counterparts. The truth is, organic sugar is still sugar and gluten-free junk food is still junk food.
Good nutrition is best practiced when you stick to the basics. Increase your fruits, veggies and proteins and learn to walk away from sugar and empty calories. Don't let labels fool you and let your common sense guide your choices.
Do you have some interesting or helpful nutrition facts to share? We know the PFC community would love to hear them. Share yours on Facebook, Twitter, or Instagram. See you around The Club!


text: We are pleased to represent the Tonderum brothers of Emmetsburg, Iowa. They have large line up of excellent well cared for equipment and have decided to retire from farming. Please be sure to visit www.bigiron.com to view these items and bid. Sale closes September 12, 2018 beginning at 10AM. Don't miss out!


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Drone Aerial
Photography and Video
Fully licensed and insured ready for take off.
Quality meets Value
Brilliant 4K video and superb high resolution photography with a cost-efficient service
Operating since 2016 and based in Mold, Flintshire, Bullsi Ltd has been providing North Wales and Cheshire with a comprehensive UAV drone service specialising in the provision of high resolution aerial solutions for a range of industries and applications. Our commercial drones are fitted with stabilised gimbals ready to carry the right camera to suit your project.
Drone services
Professional UAV systems and cameras, each configured for specialist operations
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Line of Sight and View Assessments
Thermal Imaging
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Observation and Security


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While 2015 was a time for renewal and rejuvenation of the club, 2016 will focus on strengthening and defining how the club can continuously provide value to the widest range of students possible.
In 2015, we rebranded the Entrepreneurship Immersion Program, restructured Demo Day, streamlined Husky Startup Challenge companies into IDEA's "Set Stage", made improvements to the Weekly Speaker Series experience and created Entrepreneur Dinners, the Entrepreneurship Kickoff at NU, Ideation Sessions and TechTreks! And while this may seem like a lot of change for one semester, we still aren't done. The team has been hard at work listening to your feedback and brainstorming ways to continue positive growth of the club, while making sure everything we do provides value to you!
In 2016, we're sticking to a similar path. We have two main initiatives.
1) Club Structure
Over the past few years the club has focused on building new and exciting programs, like Social-E, Marketing Marines and INNOweekend. However, we've found that this creates a dichotomy within the club and causes confusion among our members when marketing and talking about how it all works. It also segments our board, internally, and creates a disjointed, ineffective team.
SO, we're making a change. With the exception of the Husky Startup Challenge, our Flagship program, the Entrepreneurs Club is now "program-free". Yes, we are still hosting our Weekly Speaker Series, Entrepreneurship Dinners, Ideation Sessions, TechTreks, Pitch Day etc., but they will all be held directly under one umbrella, known as The Entrepreneurs Club, not as separate programs.
Executive Board Structure
To follow along with the club's structural changes, the team is moving away from segments and silos to a more community-driven model. We believe, this will benefit both our Board and each of our members and make for a more enjoyable experience with the club.
2) More of what you want: Growing your professional network, mentorship & getting off campus and into the community
As we move away from content-based programming, we move toward people-focused events. Whether it's Entrepreneur Dinners or TechTreks or even the Weekly Speaker Series, we want you to meet as many people as possible. There's a famous saying, "It's not what you know, it's who you know", and we think that holds true for entrepreneurship. We're creating access for you to meet like-minded students and local professionals. And with that, we're bringing a more diverse group of speakers, more times. Lined up so far we have twelve Weekly Speaker Series, ten Entrepreneur Dinners and four TechTreks.
While all of these changes are good, we want to assure you that we have not forgotten our mission. And that, is providing continued value to each and every member. So for those of you who want to start your own company, we'll continue to bring you the Husky Startup Challenge and Ideation sessions. For those of you who want to work for a startup, you have that opportunity through our IDEA/Eclub collaboration, Pitch Day. If you want to join the greater Boston innovation community, through mentorship and building your network, we bring you TechTreks and Entrepreneur Dinners. And for those of you who aren't quite sure, or just want to meet some cool speakers, we're bringing you the Weekly Speaker Series. We have crafted and iterated on events and programs for students interested in Entrepreneurship at any level.
For a full list of events, speakers and programs, you can take a look at our public calendar and even add it to your own! You should probably also sign up for our newsletter and follow us on Facebook, Twitter and LinkedIn.
Questions, Comments or Concerns? Drop us a line via email: email@example.com or Twitter: @EclubNEU


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Johnson & Johnson beat first-quarter profit estimates as sales of arthritis and psoriasis drugs helped the pharmaceutical unit expand, excluding the effects of a stronger dollar that has cut into international revenue.
Second-quarter earnings, excluding one-time items, were $1.71 a share, 4 cents above the average of 15 analysts' estimates compiled by Bloomberg. Revenue was $17.8 billion, down 8.8 percent a year ago and in line with projections.
Drug sales fell 6.6 percent to $7.95 billion, though they were up 1 percent excluding currency changes. Revenue from J&J's best-selling drug, rheumatoid arthritis treatment Remicade, jumped 6.6 percent in the U.S., and a newer drug for the condition, Simponi, surged 30 percent.
Those gains, along with a 9.3 percent sales increase for psoriasis drug Stelara, helped make up for a drop in revenue from Olysio. The hepatitis C pill has faced tougher competition from Gilead Sciences Inc.
J&J is focused on replenishing its pipeline of drugs, which have surpassed medical devices and consumer health goods to become the company's biggest unit. After losing patent protection on drugs with $8 billion a year in sales since the early 2000s, J&J has introduced 14 new compounds since 2009.
"Johnson & Johnson is doing a superior job of managing their way through this compared to many other consumer staple companies," said Bill Smead, chief executive officer of Smead Capital Management, which holds J&J shares. He sees the strong U.S. dollar as an impediment to growth for multinational consumer companies and pointed to J&J's diversity as a source of strength.
Consumer Growth
Sales in J&J's medical-device unit fell 12 percent from a year earlier to $6.36 billion, though currency accounted for almost two-thirds of that decline. The consumer business, which includes over-the-counter drugs like Tylenol, was down 7 percent to $3.48 billion, but would have grown 2.3 percent if not for the stronger dollar.
The company raised its earnings forecast for the year to a range of $6.10 to $6.20 a share, up from $6.04 to $6.19. Analysts had estimated $6.14 a share.
At the end of the second quarter, the U.S. Dollar Index, which tracks the greenback against six major currencies, had surged 20 percent from a year earlier amid the growth of the world's biggest economy. That has hurt net sales across the U.S. pharmaceutical industry, since drug companies have to translate revenue from abroad into dollars.
Among the drugs J&J has under development are daratumumab, a treatment for the blood cancer multiple myeloma that is on the FDA's fast track for approval. Esketamine, for depression, and ARN-509, for prostate cancer, are in clinical trials.
Net income slid to $4.81 billion, or $1.71 a share, from $5.13 billion, or $1.78, a year earlier.
J&J shares rose less than 1 percent in early trading. They had dropped 4.8 percent in the past year through Monday.


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Top Story
EUR/USD on the verge of breakdown?
James Chen, CMT July 26, 2016 4:51 PM
As of Tuesday, EUR/USD is sitting just on top of this support zone and continues to carry a bearish bias in the wake of the channel breakdown. Last week, while the European Central Bank (ECB) opted to keep monetary policy unchanged as expected, refraining from announcing any post-Brexit stimulus for the time being, the ECB remains dovish and ready to implement further potential easing measures in coming months. This likelihood of additional near-term easing in the Eurozone continues to exert pressure on the euro.
When this euro pressure is combined with potentially a more hawkish Federal Reserve in Wednesday's FOMC statement, the US dollar could be further boosted, resulting in a sharp EUR/USD breakdown below current support around 1.0950. Likely contributing to a more hawkish tone from the Fed are: recently improving US economic data, record-breaking highs in US equity markets, and diminished concerns regarding the European fallout over Brexit.
In the event of such a breakdown that is driven by continued monetary policy divergence between the ECB and Fed, the next major downside target continues to be at the key 1.0800 support level. Any further downside move below 1.0800 could then begin to target the critical 1.0500 support level once again.
Disclaimer: The information on this web site is not targeted at the general public of any particular country. It is not intended for distribution to residents in any country where such distribution or use would contravene any local law or regulatory requirement. The information and opinions in this report are for general information use only and are not intended as an offer or solicitation with respect to the purchase or sale of any currency or CFD contract. All opinions and information contained in this report are subject to change without notice. This report has been prepared without regard to the specific investment objectives, financial situation and needs of any particular recipient. Any references to historical price movements or levels is informational based on our analysis and we do not represent or warranty that any such movements or levels are likely to reoccur in the future. While the information contained herein was obtained from sources believed to be reliable, author does not guarantee its accuracy or completeness, nor does author assume any liability for any direct, indirect or consequential loss that may result from the reliance by any person upon any such information or opinions.
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|Broadcasting Stations and Music Publishers at Odds
|Neal McLain (email@example.com)
Fri, 23 Sep 2005 22:01:30 -0400
A friend recently sent me a photocopy of the following newspaper article:
----- start of quoted article -----
The Sunday Oregonian, Portland Oregon, August 26, 1923
Broadcasters Maintain That Stations Help Musical Composition Rather
By Saul Emanuel
Does radio broadcasting help to "make" a song or is it really
Several months ago the claim was made by the music publishers and
Royalties Are Asked.
To offset this alleged decrease of their business, the publishers now
The broadcasters contend, according to H. Gernsback, editor of Radio
Fans Deny Charges.
The controversy is attracting the attention of the radio public, now
The broadcasters have no intention of being held up in this bold
Contest to Prove Point.
To prove that radio broadcasting is the most powerful advertising
Three hundred dollars in prizes will be awarded in the contest, one
Conditions Are Given.
The conditions of the competition, as mentioned in the September issue
1. Each composition to be not longer than the usual four pages.
Those who will judge the contest will be Hugo Reisenfeld, conductor of
----- end of quoted article -----
The name Milton J. Cross, one of the judges in the Radio News contest,
The same page of the Oregonian also contains an article COCKADAY
Neal McLain
|Post Followup Article
|Use your browser's quoting feature to quote article into reply
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I've got an NRHA Courtney Force Funny Car and I'm trying to get a Slash OBA system and a second channel 3 servo working with it. I have been able to get audio to come out of the system however my throttle control is not working. I'm also just getting a beeping from the ESC. Is there something strange with the ET-3S ESC that will not allow usage of an OBA system? I also can't get a channel 3 servo working either. I have disconnected the ESC and used an external battery and everything seems to work fine when I do that but as soon as I plug back in the ESC everything stops working. I'm assuming it's because of the built in throttle control for burnout/stage/race mode that is causing the issue and taking over the other channels of the receiver somehow.
Anyone have any ideas on how I can work around this?
Last edited by patrick07; 10-02-2019 at 08:57 PM. Reason: Discovered more things not working.


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|Assistant Coach
|Pleasant Hill, Mo.
|Alma Mater:
|Kansas State
|Graduating Year:
|3 Years
For the 2019-20 season, Kindred Orpin (formerly "Wesemann") begins her third year at Kansas City after a successful four-year playing career at Kansas State. Her primary responsibilities on Hoyt's coaching staff include recruiting and player development with the guards. Orpin will also serve as the program's liaison for camps, clinics and community service events.
"The opportunity to come back home to Kansas City and continue building my relationship with Jacie is a dream come true," shared Orpin. "I know what it takes to turn a program around and I am very excited to help build a championship mentality within the Kansas City women's basketball program."
Orpin's senior season was perhaps her most memorable, as the Pleasant Hills, Mo., native turned in career numbers across the board. She earned first-team All-Big 12 laurels for the first time in her career after averaging a career-high 13.9 points per game (474 points) and sinking a career-high 90 3-point field goals on 256 attempts. The 90 made 3-point field goals ranks sixth in Kansas State program history for a single season and is the third-most converted by a senior.
Under the direction of the Kansas State coaching staff that included Hoyt, Orpin helped her team reach the NCAA Tournament in back-to-back seasons, advancing to the second round each time.
Orpin put on a Kansas State jersey for the final time at the 29th Annual State Farm College Slam Dunk and 3-Point Championships in Phoenix, Arizona, as a part of the 2017 NCAA Division I Men's Basketball Championship Final Four festivities in March. She won the Marines Women's 3-Point Contest before squaring off with the winner on the men's side in the Shoe Carnival Battle of the Champions to determine the overall winner. In a tiebreaker with Iowa's Peter Jok, Orpin was declared the champion to sweep the 3-point contests.
For her career at Kansas State, Orpin finished in the top-10 in multiple statistical categories, including assists (329), 3-point field goals made (264), 3-point field goals attempted (764), free throw percentage (.819) and steals (193).
Orpin graduated in May of 2017 with her bachelor's degree in Kinesiology and was a three-time first-team Academic All-Big 12 selection. She was also named the 2016 Big 12 Women's Basketball Scholar-Athlete of the Year and earned a spot on the Big 12 Commissioner's Honor Roll six times.
Kindred was married on April 20, 2019 to husband, Aaron.


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Click Pictures for Audio
"Nothing real can be threatened. Nothing unreal exists.
Herein Lies the peace of God."
Course in Miracles
From Perception to Knowledge
VII. The Happy Learner
The Holy Spirit needs a happy learner in whom His mission can be happily accomplished. You who are steadfastly devoted to misery must first recognize that you
miserable and
happy. The Holy Spirit cannot teach without this contrast, for you believe that misery
happiness. This has so confused you that you have undertaken to learn to do what you can
do, believing that
you learn it, you will not be happy. You do not realize that the foundation on which this most peculiar learning goal depends means
absolutely nothing
. It
make sense to you.
Have faith in nothing, and you will
the "treasure" that you sought. Yet you will add another burden to your mind,
burdened or you would not have sought another. You will believe that nothing is
of value
value it. A little piece of glass, a speck of dust, a body or a war are one to you. For if you value
thing made of nothing, you
believed that nothing can be precious and that you can learn how to make the untrue
The Holy Spirit,
where you are but
you are elsewhere, begins His lesson in simplicity with the fundamental teaching that
truth is true
. This is the hardest lesson you will ever learn, and in the end the
one. Simplicity is very difficult for twisted minds. Consider all the distortions you have made of nothing—all the strange forms and feelings and actions and reactions that you have woven out of it. Nothing is so alien to you as the simple truth, and nothing are you less inclined to listen to. The contrast between what is true and what is not is
apparent, yet you do not see it.
The simple and the obvious are not apparent to those who would make palaces and royal robes of nothing, believing they are kings with golden crowns because of them. All this the Holy Spirit sees and teaches simply that all this is not true. To these unhappy learners who would teach themselves nothing and delude themselves into believing that it is
nothing, the Holy Spirit says, with steadfast quietness:
The truth is true. Nothing else matters, nothing else is real, and everything beside it is not there. Let Me make the one distinction for you which you cannot make but need to
. Your faith in nothing
deceiving you. Offer your faith to Me, and I will place it gently in the holy place where it belongs.You will find
deception there but only the simple truth. And you will love it because you will
Like you, the Holy Spirit did not
truth. Like God, He
it to be true. He brings the light of truth into the darkness and
it shine on you. And as it shines, your brothers see it, and realizing that this light is not what you have made, they see in you more than
see. They will be happy learners of the lesson which this light brings to them because it teaches them
from nothing and from all the works of nothing. The heavy chains which seem to bind them unto despair they do not see as nothing until you bring the light to them. And
they see the chains have disappeared, and so they
have been nothing. And
will see it with them.
you taught them gladness and release, they will become
teachers in release and gladness.
When you teach anyone that truth is true, you learn it
him. And so you learn that what seemed hardest was the easiest. Learn to be happy learners. You will
learn how to make nothing everything. Yet see that this
been your goal and
how foolish it has been. Be glad it is undone, for when you look at it in simple honesty, it
undone. We said before, "Be not content with nothing," for you
believed that nothing could content you.
It is not so
If you would be a happy learner, you must give
that you have learned over to the Holy Spirit to be
for you. And then begin to learn the joyous lessons that come quickly on the firm foundation that truth is true. For what is builded there
true and
on truth. The universe of learning will open up before you in all its gracious simplicity. With truth before you, you will not look back.
The happy learner meets the conditions of learning here, as he also meets the conditions of knowledge in the Kingdom. All this lies in the Holy Spirit's plan to free you from the past and open up the way to freedom for you. For truth
true. What else could ever be or ever was? This simple lesson holds the key to the dark door which you believe is locked forever. You
this door of nothing and behind it
nothing. The key is only the light which shines away the shapes and forms and fears of nothing. Accept this key to freedom from the hands of Christ Who gives it to you that you may join Him in the holy task of bringing light to darkness. For, like your brothers, you do not realize the light has come and
you from the sleep of darkness.
Behold your brothers in their freedom and learn of them how to be
of darkness. The light in you will waken them, and they will not leave
asleep. The vision of Christ is given the very instant that it is perceived. Where everything is clear, it is all holy. The quietness of its simplicity is so compelling that you will realize it is
to deny the simple truth. For there
nothing else. God is everywhere, and His Son is in Him with everything. Can he sing the dirge of sorrow when
is true?
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Text CH 13, VII mp3
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TEXT & LESSON Readings
A Course in Miracles
Lesson 151
All things are echoes of the Voice of* God.
No one can judge on partial evidence. That is not judgment. It is merely an opinion based on ignorance and doubt. Its seeming certainty is but a cloak for the uncertainty it would conceal. It needs irrational defense because it is irrational. And its defense seems strong, convincing, and without a doubt because of all the doubting underneath.
You do not seem to doubt the world you see. You do not really question what is shown you through the body's eyes. Nor do you ask why you believe it, even though you learned a long while since your senses do deceive. That you believe them to the last detail which they report is even stranger when you pause to recollect how frequently they have been faulty witnesses indeed! Why would you trust them so implicitly? Why but because of underlying doubt which you would hide with show of certainty?
How can you judge? Your judgment rests upon the witness that your senses offer you. Yet witness never falser was than this. But how else do you judge the world you see? You place pathetic faith in what your eyes and ears report. You think your fingers touch reality and close upon the truth. This is awareness which you understand and think more real than what is witnessed to by the eternal Voice of God Himself.
Can this be judgment? You have often been urged to refrain from judging, not because it is a right to be withheld from you. You cannot judge. You merely can believe the ego's judgments, all of which are false. It guides your senses carefully, to prove how weak you are, how helpless and afraid, how apprehensive of just punishment, how black with sin, how wretched in your guilt.
This thing it speaks of and would yet defend it tells you is yourself. And you believe that this is so with stubborn certainty. Yet underneath remains the hidden doubt that what it shows you as reality with such conviction it does not believe. It is itself alone that it condemns. It is within itself it sees the guilt. It is its own despair it sees in you.
Hear not its voice. The witnesses it sends to prove to you its evil is your own are false and speak with certainty of what they do not know. Your faith in them is blind because you would not share the doubts their lord cannot completely vanquish. You believe to doubt his vassals is to doubt yourself. Yet you must learn to doubt their evidence will clear the way to recognize yourself and let the Voice for God alone be Judge of what is worthy of your own belief.
He will not tell you that your brother should be judged by what your eyes behold in him, nor what his body's mouth says to your ears, nor what your fingers' touch reports of him. He passes by such idle witnesses, which merely bear false witness to God's Son. He recognizes only what God loves, and in the holy light of what He sees do all the ego's dreams of what you are vanish before the splendor He beholds.
Let Him be judge of what you are, for He has certainty in which there is no doubt, because it rests on certainty so great that doubt is meaningless before Its face. Christ cannot doubt Himself. The Voice of God can only honor Him, rejoicing in His perfect, everlasting sinlessness. Whom He has judged can only laugh at guilt, unwilling now to play with toys of sin, unheeding of the body's witnesses before the rapture of His holy face.
And thus He judges you. Accept His word of what you are, for He bears witness to your beautiful creation and the Mind Whose Thought created your reality. What can the body mean to Him Who knows the glory of the Father and the Son? What whispers of the ego can He hear? What could convince Him that your sins are real?
Let Him be judge as well of everything that seems to happen to you in this world. His lessons will enable you to bridge the gap between illusions and the truth. He will remove all faith that you have placed in pain, disaster, suffering, and loss. He gives you vision which can look beyond these grim appearances and can behold the gentle face of Christ in all of them. You will no longer doubt that only good can come to you who are beloved of God, for He will judge all happenings and teach the single lesson which they all contain.
He will select the elements in them that represent the truth and disregard those aspects which reflect but idle dreams. And He will reinterpret all you see and all occurrences, each circumstance, and every happening which seems to touch on you in any way from His one frame of reference, wholly unified and sure. And you will see the love beyond the hate, the constancy in change, the pure in sin, and only Heaven's blessing on the world.
Such is your resurrection, for your life is not a part of anything you see. It stands beyond the body and the world, past every witness for unholiness, within the Holy, holy as Itself. In everyone and everything, His Voice would speak to you of nothing but your Self and your Creator, Who is one with Him. So will you see the holy face of Christ in everything and hear in everything no sound except the echo of God's Voice.
We practice wordlessly today, except at the beginning of the time you spend with God. We introduce these times with but a single, slow repeating of the thought with which the day begins. And then we watch our thoughts, appealing silently to Him Who sees the elements of truth in them. Let Him evaluate each thought that comes to mind, remove the elements of dreams, and give them back to you as clean ideas that do not contradict the Will of God.
Give Him your thoughts, and He will give them back as miracles which joyously proclaim the wholeness and the happiness God wills His Son as proof of His eternal Love. And as each thought is thus transformed, it takes on healing power from the Mind Which saw the truth in it and failed to be deceived by what was falsely added. All the threads of fantasy are gone, and what remains is unified into a perfect thought that offers its perfection everywhere.
Spend 15 minutes thus when you awake and gladly give another 15 more before you go to sleep. Your ministry begins as all your thoughts are purified. So are you taught to teach the Son of God the holy lesson of his sanctity. No one can fail to listen when you hear the Voice for God give honor to God's Son. And everyone will share the thoughts with you which He has retranslated in your mind.
Such is your Eastertide. And so you lay the gift of snow-white lilies on the world, replacing witnesses to sin and death. Through your transfiguration is the world redeemed and joyfully released from guilt. Now do we lift our resurrected minds in gladness and in gratitude to Him Who has restored our sanity to us.
And we will hourly remember Him Who is salvation and deliverance. As we give thanks the world unites with us and happily accepts our holy thoughts which Heaven has corrected and made pure. Now has our ministry begun at last, to carry round the world the joyous news that truth has no illusions and the peace of God, through us, belongs to everyone.
*CIMS uses the Scribe's original handscript notes "All things are echoes of the Voice of God."
Lesson 151 mp3
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ACIM Edmonton
Sarah's Reflections
Lesson 151
All things are echoes of the Voice for* God.
Our bodies and the world were made as a defense against the love we are. Everything here is a reflection of the guilt in the mind projected onto the world. It all attests to separation. Yet, as we have seen in the Review Lessons, Jesus tells us that our minds hold only what we think with God. When the guilt in the mind is released, only peace and joy are reflected, but we experience fear in letting go of the known. We fear the Love we are. It is the last obstacle to peace, which is the fear of God.
My friend, Stacy Sully, asked, "What does it mean to be at the mercy of love?" She went on to say, "It means a trust beyond all reason. A surrender pregnant with pure unlimited potential. A total relinquishing of all the ideas I hold about life. Slipping into the silence and allowing love to show me who I AM. It means touching the deepest places of my vulnerability and being nakedly honest about my cherished defenses. If I am truly at the mercy of love, then there could be no conditions that I could place on the manner in which love chooses to show me who I AM. Whether it be the deepest darkest canyon or the highest brightest peak, it is all the same to Love. I cannot claim victimhood, abandonment, rejection, or unworthiness. My preferences and aversions must be seen as my ultimate defenses. I can no longer hide in my stories."
We do hide in our stories, and we do distract from our pain or make others responsible for it. When we notice our defenses, we are provided with an opportunity to become aware of how afraid we are of the all-consuming love of God. When we notice how we are defending, we can start to question what it is about for us. When we become willing to look behind our defenses, we begin the process of questioning the validity of the "dirge" we sing and the stories we hide in. We start to question the value of holding onto our defenses when all they do is to keep us in a state of suffering. No, it is not necessary or even helpful to go looking or digging to see what we are hiding from ourselves. We can instead use what is given in our daily lives and in our relationships as a classroom for learning where we can look behind our defenses when we are willing to do the healing. When we are willing to become curious about our reactions, we can investigate what is happening to trigger defensive reactions in us. Our reactions are based on what we value, the beliefs we hold, and our self-concepts. It is all part of the conditioned mind and not who we are. When the mind is quiet, and we refuse to attend to the raucous shrieks of the ego, we find respite in the quiet center of the mind. It is this we bring to the world to reflect God's love wherever we go.
We hide our uncertainties under the guise of certainty.
"Its seeming certainty is but a cloak for the uncertainty it would conceal."
(W.151.1.4) We think we know, but what can we really know when we are told,
"No one can judge on partial evidence."
(W.151.1.1) Jesus reminds us,
"It is necessary for the Teacher of God to realize, not that he should not judge, but that he cannot. In giving up judgment, he is merely giving up what he did not have."
(Manual for Teachers.10.2.1-2) He goes on to say judgment is impossible. Why? Because,
"In order to judge anything rightly, one would have to be fully aware of an inconceivably wide range of things; past, present and to come. One would have to recognize in advance all the effects of his judgments on everyone and everything involved in them in any way. And one would have to be certain there is no distortion in his perception, so that his judgment would be wholly fair to everyone on whom it rests now and in the future. Who is in a position to do this? Who except in grandiose fantasies would claim this for himself?"
Our senses, meaning our eyes, ears, and brains that interpret what we think is reality, are there to convince us that the world is real. They inform us that what we see, hear, experience, feel, and touch is actually there. Our senses were made by the ego to keep us in ignorance about our true reality given us by God in our creation. Jesus says that our faith in the information we gather daily through our senses is pathetic! He bluntly tells us that all of our interpretations are wrong. It is humbling to be told we are mistaken about everything we think. The truth is,
"My mind holds only what I think with God."
(W.R.IV.IN.2.2) (ACIM OE W.RIV.3) Everything else is simply not the truth.
"You cannot judge. You merely can believe the ego's judgments, all of which are false
(W.151.4.3-4) Since we don't really believe this yet, we have work to do.
We think we understand something only to learn that we have been wrong. We think we observe correctly only to be deceived. We think something in the world is true, and it turns out not to be. We discover our senses really can't be trusted. So why do we continue to trust them? Jesus tells us that we do so because we are choosing to be deceived. We are determined to make correct the things we believe might actually be incorrect. All of our uncertainty started when we first chose to listen to the ego. With this choice came doubt about who we are. Now, in our uncertainty, we have made an image, and it is the image we defend. It is who we think we are. The world and the body are massive defenses against the reality of our Eternal Self.
This is why we need help from outside of this dream---we have become convinced we are right about the way we see things.
[the ego]
guides your senses carefully, to prove how weak you are; how helpless and afraid, how apprehensive of just punishment, how black with sin, how wretched in your guilt
(W.151.4.5) There is no question that we have bought the ego's story that we have sinned and are guilty. It has convinced us that we can expect punishment for what we have done. This keeps us in a state of fear. We feel vulnerable, lacking, afraid, abandoned, and unworthy of love, and we feel bad about ourselves. With these feelings come addiction, anxiety, depression, and difficult relationships.
The guilt is such a burden on our minds that we try whatever we can to be rid of it. The ego has given us a plan to get rid of our guilt by projecting it onto others. Yet it failed to reveal to us that not only will this not work, but we will feel even more guilty. With projection, others are now made to be responsible for how we feel. Something or someone "out there" must be the cause of my distress. When we identify with the ego's thought system of sin and guilt, we are in a constant state of defense against seemingly external attacks. Jesus helps us to see that it is only mind that is the cause of what we experience, and our minds can change as we learn to take responsibility for our perceptions and turn them over for his interpretations, as a substitute for our own. He will always assure us we are innocent. When we know our innocence, we will see it reflected in everyone. We will see all things are indeed the echoes of the Voice for God. There is only love and nothing else.
When we experience a spiritual connection, a holy instant, it is a threat to the ego because it knows we can withdraw our allegiance to it anytime we choose. It knows its existence is in peril because it is only our allegiance to it that maintains it. Our burning love for God has put us on this path and as we draw closer to the connection with Spirit, our investment in the ego is lessened. And it is what turns the ego from suspicious to vicious. It is an ego backlash where we experience its retaliation. This can cast us into an experience of doubt and despair about our goal to awaken. The resistance can increase as we draw nearer to the truth of who we are, but it can't stop us unless we allow it.
The ego requires us to continue to believe in the reality of this world for its existence. Its fear is that we actually are God's Son and not what we have made of ourselves. As we go through the journey of the development of trust, we go through stages of undoing, sorting, relinquishment, states of peace, and back through the stages. It is helpful to see how, during the process, there will be times where the going gets hard. The ego retaliates, we lose faith, and are tempted to give up on this path, but this is often when the biggest progress is being made. As Jesus reminds us, we can't rely on our own perceptions of how we are doing.
"There are areas in your learning skills that are so impaired that you can progress only under constant, clear-cut direction, provided by a Teacher Who can transcend your limited resources
(T.12.V.5.2) (ACIM OE T.11.VI.47) This is a time of trust.
"Put yourself not in charge of this, for you cannot distinguish between advance and retreat
If indeed,
"All things are echoes of the Voice for God,"
(W.151) then communication from God is continuous and is in everything and everyone around us. It is similar to the thought we have been practicing,
"My mind holds only what I think with God
(W.R.IV.IN.2.2) (ACIM OE W.IV.3) The only challenge is that we do not hear it, or know, it because of our own investment in the reality of the world, as defined by the ego and confirmed by our senses. Yet in every brother, we are given the opportunity to hear the truth.
"Behold your God in him
[your brother]
for what you see will be your Answer."
(Psychotherapy Pamphlet.2.VII.7.8) Instead of sending out messengers, looking for evidence of guilt, we now look for evidence of love and innocence.
"What fear would feed upon, love overlooks. What fear demands, love cannot even see."
(T.19.IV.A.i.11.4-5) (ACIM OE T.19.V.a.50) The truth is in everyone. We are all part of the Christ Mind, as One Son. We are learning to undo the belief that separate interests can bring us peace and happiness. We go together, you and I.
"The Holy Spirit has given you love's messengers to send instead of those you trained through fear. They are as eager to return to you what they hold dear as are the others. If you send them forth, they will see only the blameless and the beautiful, the gentle and the kind. They will be as careful to let no little act of charity, no tiny expression of forgiveness, no little breath of love escape their notice. And they will return with all the happy things they found, to share them lovingly with you. Be not afraid of them. They offer you salvation. Theirs are the messages of safety, for they see the world as kind."
(T.19.IV.A.i.14.1-8) (ACIM OE T.19.V.a.53)
The remedy is to turn our thoughts to the Holy Spirit and not try to do this for ourselves because we simply can't. We have a lot of investment in the things of the world, and we continue to believe in the reality of pain, disaster, suffering, and loss and can't see beyond them to the shining radiance of the real world. We need help to do this, and the way we get this help is by being willing to question our way of seeing the world. In fact,
"Whom He has judged can only laugh at guilt, unwilling now to play with toys of sin; unheeding of the body's witnesses before the rapture of Christ's holy face."
(W.151.8.4) We need faith and trust in order to believe that only good can come to us no matter how much we see hate and anger reflected in the world.
When we no longer listen to the voice of the ego, we will see with vision, which reflects the truth of who we are. In order to uncover the truth within us, we need to be willing to pay attention to our ego thoughts so we can bring them to light for healing. We can't heal what we hide from ourselves and defend against. Jesus assures us that turning over our judgments (our thoughts) to the Holy Spirit can bring about Heaven's blessing in every circumstance. Our thoughts do need purification, but no matter how hard we might try, it is not something we can accomplish on our own. He can accomplish it for us, but we must give up the false certainty of the "I know" mind, be willing to be wrong about everything we think we know, and be willing to be taught. This is what is meant in the Bible saying that mentions we must become as little children. We must put our own perspectives to doubt and make room for Him.
"And you will see the love beyond the hate, the constancy in change, the pure in sin, and only Heaven's blessing on the world."
If all things are echoes of the Voice for God, then Heaven's blessing is in every circumstance. When we see with vision, we are resurrected. How this looks in our daily lives is that no matter what anyone says, no matter how seemingly hateful, no matter how apparently angry, no matter how sad or lost or pitiful the communication, we will
"see the holy face of Christ in everything, and hear in everything no sound except the echo of God's Voice."
(W.151.12.4) What this means is that we won't join in the attacks and judgments on others and neither will we join with their sadness and suffering.
"To empathize does not mean to join in suffering, for that is what you must
to understand. That is the ego's interpretation of empathy, and is always used to form a special relationship in which the suffering is shared. The capacity to empathize is very useful to the Holy Spirit, provided you let Him use it in His way. His way is very different. He does not understand suffering, and would have you teach it is not understandable. When He relates through you, He does not relate through your ego to another ego. He does not join in pain, understanding that healing pain is not accomplished by delusional attempts to enter into it, and lighten it by sharing the delusion."
As I was writing this, I was interrupted, and because I have much on my plate today, the interruption was not welcome. I felt irritation rising in me at my brother. Then another call came in. I returned to my email only to find this message: "Take time to thank GOD when you are interrupted from your plan. If something comes up that is unavoidable, ask to find the gift in it. Consider the possibility this person or event has been sent to serve and bless you in some way. Perhaps you are being asked to open your heart more, make a stand for something you believe in or take a new direction that will ultimately be more meaningful than the one you were headed in. There are no accidents---only opportunities to dance in a bigger universe. I ask for help to be open to opportunities to know myself better. Let me recognize everyone who comes to me is a teacher and empowers me to do the things that love would have me do. I allow GOD's plan to substitute for mine. I find the jewel in every encounter, relationship, and experience." Yes, the Holy Spirit speaks to us in many ways and His timing was impeccable for what I needed to hear. Now I just need to be attentive to the message.
Today, we turn to the Holy Spirit, Who is the reflection of the certainty of God, to replace our own uncertainty. We turn to Him to help us see that our way has only brought misery and pain. Yet when we look at it all through His eyes, we see that nothing here is serious, even though we tend to make it serious. Jesus calls it all just the toys of children. In the illusion, actions often do have tragic consequences. In truth, nothing real has happened. The Holy Spirit helps us to see that it is illusion. It is all our own dream, coming from our wrong-minded perspective. When we bring our pain and suffering to Him, we learn to see that we have looked at it wrongly, and in that acknowledgment, we are willing to be shown there is another way to see everything. When we are willing to release our investment in our way of seeing, we become willing to be taught. It is not about denying what we are seeing, only the willingness to step out of the dream, above the battleground, where we can see everything in this world as a reflection of love, or a call for love.
*CIMS uses the Scribe's original handscript notes "All things are echoes of the Voice of God."
Love and blessings, Sarah
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Introduction In this article, I want to focus on two types of businesses which are terrific businesses in their own right. Coca Cola and Sees Candies are the best examples of the two types of businesses which I would like to discuss. We can refer to these two businesses as standardized product led competitive advantage (or just product led competitive advantage) vs quality led competitive advantage. I chose Coca Cola and Sees Candies because Warren Buffett invested in both of them and doesn't stop singing praises of these businesses till date. These businesses have made Warren Buffet insanely rich. While many people may not have heard of Sees Candies but…
Max Ventures – A Unique Demerger Opportunity
I wrote the below article which analyses Max Ventures in November 2016. Introduction In my last article, I described my investment framework and the four areas of focus. The first two areas which I talked about were: Demerger situation New venture started by an established businessman The special quality about these two situations is that the stock price is artificially depressed for reasons other than the quality of the underlying business. I recently came across an opportunity which is a combination of these two situations – Max Ventures & Industries Limited (MVIL). MVIL was listed on stock exchanges (NSE and BSE) on 22nd June 2016 at a price of 45…
My learnings in the Indian stock market
Introduction I have been investing for the past 3-4 years in Indian stock markets. I have read and learned a lot about investing over these years. When I started, I read indiscriminately whatever I could get my hands on including investment philosophy of reputed investors like Charlie Munger, Warren Buffet, Benjamin Graham, Ray Dalio, Howard Marks, Jeremy Grantham, Seth Klarman, Sanjay Bakshi, Peter Lynch, Philip Fisher, Bill Gross, Prem Watsa and so on. Of course I have been influenced by some of these investors more than others. Most influential for me have been Warren Buffet, Charlie Munger and Sanjay Bakshi. Through this indiscriminate reading and through my own experiences, I…
Performance of select real estate developers in India
Introduction As we saw in part 1 of this article that we are at the cusp of a turnaround in the real estate sector in India. We are probably 2-3 years away from a broad-based recovery. If that is so, the next question is – what is the best way to take advantage of this turnaround. From an investment perspective, is there a better way of playing the real estate cycle than buying a house. The answer is yes, we can chose to invest in the stocks of select real estate developer(s). The stocks should provide a better return than the underlying real estate during the upturn in the cycle.…
Current state of real estate sector in India
Introduction Real Estate industry globally is cyclical in nature and in India it is no different. The real estate cycle is tied to demand and supply of real estate and it is in turn closely tied to the cycles of construction activity and the economy in general. The dynamics of demand and supply of real estate are affected by couple of factors which accentuates its cyclical nature. Speculators / investors: if we all bought real estate only for our own consumption i.e. only for the purpose of living, the real estate cycle would be much more smooth. However, real estate is also an investment option to park our savings and…
First blog post
This is the excerpt for your very first post.


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Maryland Power of Attorney Forms
The Maryland Power of Attorney Forms are contracts that empower an individual (referred to as the Principal) to nominate a person or entity (referred to as the Agent) to preside over any circumstance they so wish in their absence. Common circumstances this contract is employed include financial matters, the management of real property, and end-of-life health care decisions. Any individual in the state may create this document, so long as they are not already incapacitated.
Advance Directive – Making decisions about end-of-life care can be challenging—let alone making them for a loved one. Any individual can save their loved ones the additional grief of deciding what to do with their end-of-life care by stating their own wishes in this legal contract.
Download – Adobe PDF
Durable (Statutory) Power of Attorney – If ensuring their wishes are carried out by an agent even when they are not in a medical state to convey them themselves is a concern to a principal, a durable type of POA is most ideal.
Download – Adobe PDF
General (Financial) Power of Attorney – If an individual who plans to formulate a POA related to their finances does not wish for it to remain active in the event they become incapacitated, this type of POA will prevent this from occurring.
Download – Adobe PDF, Microsoft Word (.docx)
Limited (Special) Power of Attorney – Some people make the mistake of creating a power of attorney that is too broad in scope, and thus, more prone to misinterpretation. Creating a limited type of POA can assist a principal in pinpointing precisely the circumstances the power of attorney should be exercised.
Download – Adobe PDF
Minor Child Power of Attorney – If a parent or guardian knows of an individual whom they could entrust to guide and protect their child in situations where they are unable to do so themselves, this arrangement can be legally formalized by completing this document.
Download – Adobe PDF, Microsoft Word (.docx)
Motor Vehicle Power of Attorney (Form VR-470) – The DMV requires certain processes are executed by a vehicle owner themselves. That is, unless they file a power of attorney that states they wish for another individual they nominate to execute one or more of these processes for them.
Download – Adobe PDF
Real Estate (Property) Power of Attorney – A POA that is specifically focused on delegating decision making powers about a principal's property.
Download – Adobe PDF, Microsoft Word (.docx), Rich Text Format (.rtf)
Revocation of Power of Attorney – A form that effectively executes the principal's decision to revoke any decision making powers that were passed on to their agent through a POA arrangement of any kind.
Download – Adobe PDF, Microsoft Word (.docx), Rich Text Format (.rtf)
State Tax Power of Attorney (Form 548) – Tax reporting can be a complex process, especially with considerations like business expenses and tax cuts. As such, taxpayers may select a tax specialist or another individual or entity to file their taxes on their behalf.
Download – Adobe PDF
What is a Maryland Power of Attorney?
A Maryland Power of Attorney (POA) is a form that may be executed by an individual, referred to as the Principal, who seeks to grant a special type of legal authority to a party known as the Agent. By implication, the Agent will be authorized to wield decision making powers to act on behalf of the Principal in the matters stated in the form.
For instance, the form may comprise of terms that grant the Agent the authority to file their taxes, take care of their child/ren in their absence, or take charge of their finances in their stead. In most cases, the Principal will need to enact separate Power of Attorney forms to address separate matters. The forms found below exemplify the range of POA forms available for a Principal to make use of.
- Maryland Power of Attorney Laws – (Title 17, "Maryland General and Limited Power of Attorney Act") and Maryland Code, Title 5, Subtitle 6, "Maryland Health Care Decision Act")
- State Definition of Power of Attorney (§ 17-101(d)) – "means a writing or other record that grants authority to an agent to act in the place of the principal, whether or not the term "power of attorney" is used."
- State Definition of an Advance Directive (§ 5-601 (b)) – "means:
- (1) A witnessed written or electronic document, voluntarily executed by the declarant in accordance with the requirements of this subtitle;
- (2) A witnessed oral statement, made by the declarant in accordance with the provisions of this subtitle; or
- (3) An electronic document, voluntarily executed by the declarant, in which the declarant's identity is authenticated in accordance with the guidelines described in § 5-602(c)(3) of this subtitle."
- Signing Requirements
- Durable / General Power of Attorney (§ 17-110) – The Principal must sign the POA before a Notary Public. At least two (2) adult witnesses must also attest and sign the POA in the Principal's presence as well as in the presence of one another. The Principal may elect another person to sign the POA in lieu of them, however, this person must sign it in the Principal's presence.
- Advance Directive (§ 5-602(c)) – Signed and dated by the declarant and subscribed by two (2) witnesses.
When is it Effective?
By order of § 17-110, a POA is effective in the state of Maryland when it is signed by the Principal in the presence of a Notary Public. It may also be signed by someone else who has been expressly directed by the Principal to sign it for them, so long as the Principal is present during the signing. A minimum of two (2) witnesses must attest and sign the POA (one of whom may be the notary public themselves), in the presence of the Principal and one another.
In accordance with § 5-602(c) of the Maryland Health Care Decisions Act, any Advance Directive must be a) signed and dated by the Declarant (the Principal) and b) subscribed by two (2) witnesses.


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Sylvan is available for you, wherever you live. And to help you feel even more confident that you're making the right choice: at Sylvan, your child's personal learning plan is always designed to take into account state standards as well as your child's tutoring needs.
Sylvan now makes tutoring even more convenient! Sylvan instruction is available in neighborhood locations, from libraries to schools. Check out these listings for the location most convenient for you.
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(406) 545-3643
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Missoula, Montana 59803
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Evergreen, Montana 59901
(406) 564-1074
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Ashanti Farm is a 395-ac European-Designed Equestrian Property. Located in Keswick Hunt Country with expansive views of Southwest Mts. Main Residence renovated/redesigned; 4 Bedrooms,4 Baths, Manager's House, 3-Car Garage, Swimming Pool&Spa, Raised Gardens, Orchards, Both Indoor and Covered Riding Arenas, 3 Stables providing 26 stalls, Barn Apartment ,Paddocks with Board Fencing, water & sheds. Several Equipment/Storage Facilities. Please review Photography, Floor Plans and County Land Plats.
Ashanti Farm.
To the fullest extent permissible pursuant to applicable law, this web site and the materials are provided on an "as is" and "as available" basis. LuxuryRealEstate.com expressly disclaims all warranties of any kind, whether expressed, implied, or statutory including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that this web site or the materials are completely error free, will operate without interruption, are compatible with all equipment and software configurations, free of viruses, errors, or other harmful components, or will otherwise meet your needs.


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Hey y'all! It's been a hot minute since I've blogged. I've been just focusing on every day and enjoying it. But now I'm back! I realized a week or so ago I missed blogging and connecting with y'all. I'm sharing my June goals! Make sure to share your June goals with me in the comments.
As I do at the beginning of every month, I sat down and goal set for June! I set new goals each month that correlate and help me reach my larger yearly and life goals.
Financial Goal :: Budget & Save
At the end of last month, Cody and I purchased a new vehicle for him. We've been living without any large monetary responsibilities our entire relationship, so added debt and the large monthly bill will be very new to us. We've decided to take budgeting serious af!
This means I went through our spending for the last few months and y'all, we spend money on tons of bullshit. So we're committing to eating out less, shopping more intentionally, and saving more deliberately.
If our budget is effective (and even if it's not), I'll share its evolution in a few months. I know for me, I had trouble finding an example online that was similar to our life.
We also have a huge goal of paying off all our other debt (about 6500) before the end of the year. We are making extra payments each month and pushing hard for this goal.
We are also simultaneously saving for a family trip in October.
Side Hustle Goal :: Make That $$$
I'm on the side hustle grind lately because I've got huge goals for our future home (when we move states) and I don't want to compromise. In order to do that, I've got to really focus and be consistent with my earnings.
Related :: Apps that Make You Money
I've started a couple of new, online side hustles that I found via YouTube. If they work out and consistently make money, I'll be sure to share them!
Health & Wellness Goal :: Be Consistent & Complete My Program
I was pretty consistent last year and lost about twenty pounds. Since then, I've kept it off and fluctuate the typical 4-6 pounds.
However, the last month has been a straight hot mess. Some of my disordered eating habits came back with a vengeance and I've not been working out consistently. So a couple of weeks ago I sat down and created my fitness plan for the next two months and revisited my mindful eating program. I'm sharing all the good, the bad, and the amazing on my Instagram, so you can follow along if you want!
Related :: Fun Fitness Tips for Beginners
I'm fully prepared to move forward and make strides in my health! I'm also excited because I love the program I'm doing and my nutrition program is hella flexible — meaning I don't have to give up my favorite foods. I'm aiming for a 90/10 (clean to treat ratio) for the first two weeks and then an 80/20 after that.
I am switching to a mostly (98/2) dairy-free lifestyle because I'm lactose intolerant. I've always been and just ignored it in the past, but recently it's started to negatively impact my skin so I'm cutting out almost all dairy. I can't say it'll be completely because we eat out enough that some are bound to sneak in.
I've also started meditating in the mornings and making time to reflect on things I'm thankful for each day. I've seen a huge shift in my mindset and I'm looking to keep it going!
But for now . . .
Let me know what your June goals are in the comments!


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Alzheimer's Disease-Related Dementias (ADRD): Research Challenges and Opportunities
At this conference, leading neuroscientists, physicians, and public and private stakeholders will discuss key challenges and special opportunities in research on Alzheimer's disease-related dementias. The workshop is convened under the 2012 National Plan to Address Alzheimer's Disease to develop recommendations on research priorities in the areas of frontotemporal, Lewy body, mixed, and vascular dementias.
Sponsored by the National Institute of Neurological Disorders and Stroke in cooperation with:
• National Institute on Aging
• Alliance for Aging Research, ACT-AD
• Alzheimer's Association
• Association for Frontotemporal Degeneration
• USAgainst Alzheimer's
Click here for more details and to register online.


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We are a CITRUS EXPORT COMPANY, specialized in our own citrus production, marketing and export, with more than 80 years of history.
JUAN OLASO SA was founded in 1929 by Juan Olaso and continued by his descendants. We are currently in the fourth generation of this family business, being renowned for a strong entrepreneurial spirit of export pioneering at both ational and international markets.
Currently the company has confidence in its future continuity with the participation of relatives of its founder. We face an optimistic future to have the trust of our clients and facilities at the forefront of the industry.


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Top Ten Songs to Have as End Credits to Your LifeMe and others have always wondered, "What about at the end of our life, we have end credits, like a movie?" I'm the only one that thinks about this? Sigh. Well, here's the top ten songs that I would play if my life had end credits.
The Top Ten Songs to Have as End Credits to Your Life
I don't need to tell anyone how amazing this song is. Everybody already knows. It's simply Armstrong's best, and possibly jazz's best period. This would perfectly suit the end of my life, and I know many others could relate. - Alpha101
Not only a gorgeous song, but it's also very fitting.
Great list! - Britgirl
This is one of the only songs to make me cry, and that's saying something. I never cry, for I am a man. Men...don't...just a second, I've got to wipe my tears-I mean sweat off my face. Anyways, this is my favorite Beatles song, and I feel that it would make a nice addition to my end credits. - Alpha101
This would make a beautiful song to play in the credits! Amazing list, Alpha101! - MontyPython
Obviously this song would make my end credits. If it didn't, I'd come back to life as a ghost and strangle the person who compiled my end credits. It's one of the best songs in history, and while it gets a little stale from listening to it repeatedly, it is very meaningful, and tragic. - Alpha101
This is one of history's most popular and recognizable songs, and it holds a powerful message. The whole song is about unity, love, and happiness. What more could one ask for? - Alpha101
While this is a love song, Vedder's voice really shines in this song, and the lyrics are so touching. It's always been one of my favorite songs, and I would love to play it whenever my life comes to an end. - Alpha101
Who knew that a group such as Gorillaz could write something truly beautiful? Me, that's who. Whenever I first listened to the song, I had to hold back tears-I mean sweat. I mean, it's just so beautiful! - Alpha101
This song would perfectly fit the end of someone's life. The chorus is sad yet beautiful, and it has one of the most impressive vocal performances ever. - Alpha101
I'll use this song. - SamuiNeko
The Contenders
A great acoustic ballad with amazing vox and lyrics:
"Tomorrow will take us away far from home
No one will ever know our names but the bards' songs will remain
Tomorrow all will be known and you're not alone
So don't be afraid of the dark and cold
'Cause the bards' songs will remain, they all will remain
In my thoughts and in my dreams they're always in my mind
These songs of hobbits, dwarves, and men, and elves
Come close your eyes you can see them, too". - Metal_Treasure
It's a beautiful instrumental piece so you can put any meaning you want. - Metal_Treasure
I'm nothing special, in fact I'm a bit of a bore
If I tell a joke, you've probably heard it before
But I have a talent, a wonderful thing
Cause everyone listens when I start to sing
I'm so grateful and proud
All I want is to sing it out loud
So I say
Thank you for the music, the songs I'm singing
Thanks for all the joy they're bringing
Who can live without it, I ask in all honesty
What would life be?
Without a song or a dance what are we?
So I say thank you for the music
For giving it to me
I've been so lucky, I am the girl with golden hair
I wanna sing it out to everybody
What a joy, what a life, what a chance! - Metal_Treasure
It was hard to choose between this and What A Wonderful World but without music, the world would be (slightly) less wonderful. Thank you for the music indeed! - Britgirl
Ah. I always had a soft spot for this band. Very good song. - IronSabbathPriest
Again, who knew that Black Sabbath could write a song that makes your eyes sweat? I mean, their lead singer's nickname is the "Prince of Darkness" for Christ's sake! But, yes, this song is amazing too. - Alpha101
It fits with every ending. - PerfectImpulseX
This song made an appearance on one of my other lists, because it's, ho to I put this, AMAZING! Just listen to it for yourself. My life was changed whenever I listened to it. - Alpha101
How could you go wrong with Relient K? - RiverClanRocks
Well, for a start, they did do a song which does admit to wasting ten seconds of one's life. - PositronWildhawk
Just simple...
What's with all of these groups making surprisingly touching songs? While Daft Punk has a few songs that hit close to home, this one really does it for me. The lyrics are great, and the robotic voice makes the song that much better. - Alpha101
This is an honorable mention. - Alpha101
Right before Twilight became a princess. - RiverClanRocks
Very cryptic and mysterious prog rock song. - IronSabbathPriest
It's about reminiscing on your childhood, but could also be about your life in general. Plus, it's catchy. - RiverClanRocks
WHY IS THIS NOT NUMBER ONE? SERIOUSLY. This is called the STAIRWAY TO HEAVEN! And if you are not religious, this is still an awesome song! And for those people who think it's cheesy or whatever, WHO CARES. Its great. - TheGoldenChampion


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Woodland School: Ugly sweater day and Early Dismissal 12/21/18Skip Navigation
Just a few reminders:
Our next Spirit Day is Thursday, December 20th: Ugly Sweater Day.
Friday, December 21, is a 1:20pm dismissal. Lunches are as follows: Grades K, 2 & 5 at 11:18 and Grades 1, 3, & 4 at 11:48.
Wishing you a wonderful winter break. Enjoy spending time with your families and friends.


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One separation of African Traditions' Spiritual/Metaphysical Thinking from the human-made Secular thinking and the Brute Brains Indifference/Hate/Evil/Sadism Supernatural Thinking is that in the human-made there is nothing controlling ones strongest emotions. A reason is, by them being Self-Absorbed, prevents considering the welfare of others and lacking contrast standards to their own excessive ugliness". To think they are always right shuts out recognition/admission of their own faults or even considering the possibility. As a Network, they control peaceful World people by the GUN and thereby they lack any inner Personal Power. Still, their stupid fantasy beliefs of Self-Concepts and Self-Images, making them into "little gods"—frees them to exploit their worst emotions to full capacities. Their arrogance is to never think they need to self-improve and all ought to conform to them. Hence, anyone even alluding to their terrible flaws is blamed and attacked for being truthful. In contrast, a model for those aiming to be their best selves is people operating out of their Spiritual/Metaphysical in-most Selves, where lies ones Cosmic Genius. From them doing continual mental striving means being high up on the rungs of a Thought Ladder. There, ones focus can only be on constant striving towards whatever enhances their Highest (Divinity) Selves. Calm Free Minds are unattached to any Material or False Self Crowd things—and that enables them to see things "as they are" and "for what they are". As a result, they experience the "Aliveness"—not "Excitement"–of their Consciousness expanding towards their "ME/WE" benefits destination. Hence, one simply has is no time to dwell on hurt feelings about anything–to harbor revenge, anger, or hate towards anyone—or to find fault.
This Right Living way models Processes of Nature. To be in this Spiritual/Metaphysical realm is to naturally flow in God-made Absolute Standard Certainty, while always striving for Human Perfection.Ones associated Guidelines lead to selecting Human Ideals as paths to the discovery and development of ones Talents. Talents are for use in providing Selfless Service in cultivating ones Mission in life. Many have hurt feelings from having to face normally occurring tasks but for which they have not made themselves strong enough to handle. Such strength comes only by eagerly meeting each of ones problems "face-to-face" and handling all immediately. Some tasks will take an excessive amount of time, energy, effort, and research in order to come to a satisfactory conclusion. However, that struggle pays off a thousand fold in handling ones future life's problems in many different areas. Step I is always look at oneself first and ask: "What part did I play in causing this problem?" Maybe something wrong (commission) was done; a failure to do something right (omission); poor planning whereby a fundamental piece was left out; an exaggerated inflated idea maze leading to mistakes, misinterpretations, incompletions, or withholdings (e.g. Unconditional Love); evasions of the difficult; bad arrangements/combinations; not trying to make things right because of bias/prejudice. A 'set-up' for self-directed Hurt Feelings comes from not being able to Critically Think of Options. Then, because of not liking the Options left, one questions ones abilities, plans, and performance so as to shamefully need to rely on others to help one with the problem as well as provide justification for ones Hurt Feelings. In turn, dependence causes one to attack helpers. To take immediate charge and control of that situation, Management is to acknowledge one is now layered with senses of inadequacy, Insecurity, and Shame from not having done ones best; from routinely making tons of excuses for not handling ones problems as they arise; and from having taken short-cuts to simply get past the moment.
Step II is to establish absolute Human Ideal standards out of African Tradition Philosophy. This requires introspection to determine where are ones major weaknesses and then why they are present. Step III, gain insight about ones flaws by writing of them in a journal every day—pointing out problems and errors. Look for what caused them—the "What's Behind That!" Inquiry Method. Step IV, forgive anyone contributing to your problem, not to let them off the hook but so you can get peace. If their criticisms are not true, let it go; if partially or completely true, then thank them for their assistance and correct what is necessary. Step V: learn how to do Sound African Tradition type Thinking. "SELF-IMPROVEMENT SUPERSEDES HURT FEELINGS."