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maandag 22 augustus 2016

Great Falling Away after the Departure of the Church

Great Falling Away after the Departure of the Church

Johan Malan, University of the North, South Africa

Abstract: The revelation of the Antichrist (the man of sin) can only occur after the departure of the true church of Christ.

The departure (Gr. apostasia) of 2 Thessalonians 2:3 will precede the revelation of the Antichrist. The rendering of apostasia as “rebellion”, “apostasy” or “falling away” in most English Bibles is unfortunate since these are secondary, or derived, meanings of the word. Its primary meaning is “departure” which, in this verse, refers to the rapture of the church. In consequence of the rapture, great apostasy will occur on earth while the Antichrist institutes his lawless and utterly sinful reforms. That time will be characterised by a world-wide moral and spiritual falling away.

Speculation is rife about the rapture and the revelation of the Antichrist. Some people spiritualise these concepts, others accept the two events but place them in the wrong chronological order, while many others deny them altogether or allege that the Antichrist was one or other historical figure.

These conflicting opinions cause great uncertainty and confusion among many Christians. However, it is not the first time in the church history that contradictory views and wrong teachings on the end-time gave rise to anxiety among believers. It happened in the first century in the congregation of Thessalonica.

In his first letter, Paul taught the congregation that the Lord Jesus will come at the end of the church dispensation to take the true believers away to heaven:

“For the Lord Himself shall descend from heaven with a shout, with the voice of the archangel, and with the trump of God: and the dead in Christ shall rise first; then we which are alive and remain shall be caught up together with them in the clouds, to meet the Lord in the air: and so shall we ever be with the Lord. Therefore, comfort one another with these words” (1 Thes. 4:16-18; the word rapture is derived from catch up (Gr. harpazo) in verse 17).

In Paul’s preaching to the Thessalonians, and also in his subsequent letter to them, a clear promise was made that the Lord Jesus would remove the Christians before the revelation of the Antichrist and the commencement of the judgements of the Day of the Lord during the great tribulation. He exhorted them “to wait for [God’s] Son from heaven, whom He raised from the dead, even Jesus, which delivered us from the wrath to come” (1 Thes 1:10). “For God hath not appointed us to wrath, but to obtain salvation by our Lord Jesus Christ” (1 Thes. 5:9).

As in the case of Noah and Lot, the Christians will be saved from hour of God’s wrath over a sinful world. They will escape the time of judgement by way of the rapture, as promised by Jesus in His Olivet Discourse: “Watch ye therefore, and pray always, that ye may be accounted worthy to escape all these things that shall come to pass, and to stand before the Son of man” (Lk. 21:36). Those who pursue a false, humanistic peace outside Christ will not escape the judgements of the tribulation. The destruction of the Antichrist’s reign of terror and the judgements of God will suddenly befall them (1 Thes. 5:3).

The congregation in Thessalonica believed this exposition of end-time events. They were eagerly looking forward to the salvation that the Lord Jesus promised to them through the rapture. They had a “blessed hope” to look forward to (Titus 2:13). In terms of this expectation they comforted and exhorted one another to remain faithful to the Lord.

False teachings

The persecution of Christians in the Roman Empire caused considerable anxiety among believers and gave rise to many questions about the end-times – also in Thessalonica. Under the instigation of enemies of the gospel, a letter containing false teachings was written in the name of Paul and distributed among members of the congregation. Other people claimed to have had ‘spiritual revelations’ to the same effect. In these false teachings it was alleged that the day of the Lord (the time of judgements and tribulation) had already begun and that the Christians would have to go through it. In this way the doctrine of the rapture before wrath was contradicted and scoffed at.

Paul wrote his second letter to the congregation with the following objectives: (1) To refute the false teachings about the end-time; and (2) to answer certain questions that were raised by members of the congregation on the second coming and related matters. He starts Chapter 2 by referring to the rapture as “the coming of our Lord Jesus Christ and our gathering together unto Him.” After that he explained and reconfirmed the correct order of end-time events:

“Now we beseech you, brethren, by the coming of our Lord Jesus Christ, and by our gathering unto Him, that ye be not soon shaken in mind, or be troubled, neither by spirit, nor by word, nor by letter as from us, as that the day of Christ is at hand. Let no man deceive you by any means: for that day shall not come, except there come a falling away first, and that man of sin be revealed, the son of perdition, who opposeth and exalteth himself above all that is called God, or that is worshipped; so that he as God sitteth in the temple of God, showing himself that he is God.

 “Remember ye not, that, when I was yet with you, I told you these things? And now ye know what withholdeth that he might be revealed in his time. For the mystery of iniquity doth already work: only he who now letteth will let, until he be taken out of the way. And then shall that Wicked be revealed, whom the Lord shall consume with the spirit of His mouth, and shall destroy with the brightness of His coming: even him, whose coming is after the working of Satan with all power and signs and lying wonders, and with all deceivableness of unrighteousness in them that perish; because they received not the love of the truth, that they might be saved. And for this cause God shall send them strong delusion, that they should believe a lie: that they all might be damned who believed not the truth, but had pleasure in unrighteousness” (2 Thes. 2:1-12).

In this chapter, Paul clearly states the basic facts about the departing of the one who withholds, the revelation of the Antichrist and also the swift judgement that will befall him during the coming of Christ.

Refuting of wrong teachings

The false teachings that were spread in Thessalonica were based on the assumption that the Roman Caesar, who also deified himself, was the Antichrist. The congruent persecution of Christians was viewed as part of the hardships and suffering of the day of the Lord. Panic was caused by the expectation of greater persecution and judgements that were imminent, and also by the false teaching that the Christians would not, as promised by Paul, escape the time of wrath.

Paul refuted the false teachings and reiterated that first there will be a departure (apostasia), followed by the revelation of the man of sin (the Antichrist). He will be the abominable son of perdition who will enter the temple and show himself that he is God (2 Thes. 2:3-4). During the persecution of the first century when Paul wrote his letter, the departure had not yet occurred, neither did the alleged Roman Antichrist sit in the temple in Jerusalem to declare himself as God.

After his initial exposition of the chronological order of end-time events, Paul confirmed this scenario by the addition of new information. He reminded members of the congregation of the sermons that he preached on this subject: “Remember ye not, that, when I was yet with you, I told you these things?” (v. 5). He then continued to say that first the one who withholds must be taken out of the way (the rapture of the church) and then the Wicked (the Antichrist) will be revealed. He also stated that the Antichrist would be a living person on earth when the Lord Jesus returns to destroy him with the brightness of His coming (v. 8).

There was absolutely no basis for the false teachings that were spread in the name of Paul, to the effect that there would not be a rapture of believers before the tribulation period. There was also no truth in the supposition that the Lord would punish the Christians with the wicked and surrender them to the tyranny of the Antichrist.

The departure (apostasia)

The word apostasia in verse 3, translated in the King James Version as “falling away,” is problematical to many people. In terms of this rendering it is assumed that Christians will not only experience the great falling away of the last days but will also be here during the revelation of the Antichrist. A careful exposition of the verse shows that these assumptions are unfounded.

The Greek word apostasia means departure, withdrawal or separation. A spiritual and moral falling away can be read into this word only as a secondary meaning, deduced from its basic reference to the departure of the truth. Apostasia is derived from the particle apo which means off or away [from something near], in various senses of place, time or relation. It denotes separation, departure, or the cessation [of a relationship]. The verb correlate of apostasia is aphistemi which, according to Strong’s Concordance, means to depart, withdraw, draw (fall) away, remove.

Even in cases where aphistemi is used to denote a spiritual falling away (e.g. Lk. 8:13, 1 Tim. 4:1 and Heb. 3:12) it is grammatically more correct to describe the act as a departing from faith (as in the latter two verses) rather than a falling away (as in Lk. 8:13). The following are examples of the rendering of aphistemi in the King James Version:

“…[she] departed not from the temple” (Lk. 2:37); “…he departed from Him for a season” (Lk. 4:13); “…and in time of temptation fall away” (Lk. 8:13); “Depart from Me” (Lk. 13:37); “…the angel departed from him” (Acts 12:10); “…who departed from them” (Acts 15:38); “…he departed from them” (Acts 19:9); “…they departed from him” (Acts 22:19); “…that it might depart from me” (2 Cor. 12:8); “…depart from the faith” (1 Tim. 4:1); “…from such withdraw thyself” (1 Tim. 6:5); “…depart from iniquity” (2 Tim. 2:19); “…departing from the living God” (Heb. 3:12).

In view of these examples it is clear that the basic meaning of the word apostasia and its verb form of aphistemi is to depart. For this reason, the word apostasia in 2 Thes. 2:3 was translated as departing first in the following seven English Bibles before the King James Version: Wycliffe Bible (1384), Tyndale Bible (1526), Coverdale Bible (1535), Cranmer Bible (1539), Breeches Bible (1576), Beza Bible (1583), and the Geneva Bible (1608).

The Vulgate uses the Latin word discessio, meaning departure. In a footnote to 2 Thes. 2:3 the Amplified Bible makes the following remark: “A possible rendering of apostasia is departure [of the church].” In its full meaning, this verse reads:

“Let no man deceive you by any means: for that day [the day of the Lord] shall not come, except there come a departing [of the church] first, and that man of sin [the Antichrist] be revealed, the son of perdition…”

Different interpretations

Dogmatic prejudice rather than ignorance can account for the conflicting views that still persist on the true meaning of apostasia in this verse. In blind loyalty to the theologians of their church, many people simply refuse to believe in a pre-tribulation rapture. To them, it is more acceptable to stick to the narrow, secondary meaning of apostasia by interpreting it merely as spiritual decline during the last days, followed by the revelation of the Antichrist.

If the context of 2 Thes. 2:3 is considered, it is obvious that apostasia is here meant in the full width of its meaning – both as departing and as a spiritual falling away. In the first instance Paul, by using this word, refers to the physical departure of the true believers who are not destined for God’s judgements. One of the major implications of this departure will be that great spiritual darkness will prevail on earth – the light of the world having been taken away. This situation will allow the Antichrist the opportunity to be revealed. Sin and wickedness will proliferate during his reign, leading to the greatest falling away of biblical norms and Christian standards in the entire history of humankind.

In verses 3 and 4, Paul states the fact of the departure of the church, followed by the revelation of the Antichrist and the implementation of his wicked reforms. This order of events is again stated in verses 6 to 12, with the addition of more information. The two descriptions of the same scenario can be compared as follows:

The rapture: The apostasia (departing) shall come first (v. 3). The rapture: He who now withholds will be taken out of the way (v.7).
Coming of the Antichrist: The man of sin will then be revealed (v.3). Coming of the Antichrist: Then shall the Wicked be revealed (v. 8).
Falling away through anti-Christian reforms: The Antichrist will promote sin and wickedness, exalt himself above all religions, desecrate the temple and declare himself to be God (v. 3-4). Falling away through anti-Christian reforms: His coming and wicked reforms will be after the working of Satan with evil powers, lies, occult wonders and all kinds of deception (v. 8-10).

The one who withholds

Negative perceptions about the pre-tribulation rapture also lead to distorted views about the one who withholds the Antichrist. There is clearly only one power that is greater than that of Satan and the Antichrist, and that is the power of God. There is no earthly or human power that can effectively resist or overcome the Devil.

In the present dispensation, before the personal revelation of Christ and the Antichrist, a spiritual battle is waged for the control of the world. The Spirit of God and the deceiving spirits of Satan work through people to achieve their objectives. John says:

“Hereby know ye the Spirit of God: Every spirit that confesseth that Jesus Christ is come in the flesh is of God: and every spirit that confesseth not that Jesus Christ is come in the flesh is not of God: and this is that spirit of Antichrist, whereof ye have heard that it should come; and even now already is in the world. Ye are of God, little children, and have overcome them: because greater is He that is in you, than he that is in the world… He that knoweth God heareth us; he that is not of God heareth not us. Hereby know we the Spirit of truth, and the spirit of error” (1 Jn. 4:2-6).

The expression in 2 Thes. 2:7 of “he who now letteth” (withhold or restrain) refers to the church as the body of Christ on earth. We are the temple in which the Holy Spirit dwells, and for that reason we are the light of a dark world and the salt of a corrupt earth. Through the power of the Holy Spirit we withhold the revelation and subsequent rise to power of the Antichrist. Only after the true church has been taken out of the way in the rapture, the Antichrist will be able to personally reveal himself. He will then, without opposition, be accepted as universal Messiah and world leader by a deceived and spiritually dead humanity.

It is unbiblical to allege that the Holy Spirit is the restrainer who will be removed from the world. It is indeed through the power of the Holy Spirit that the church is able to withhold the Antichrist, but the Holy Spirit Himself will not be withdrawn. Millions of people will be saved during the seven year tribulation period (Rev. 7:9-14), and that is only possible through the mediation of the Spirit of God (1 Cor. 12:3). Before the public coming of Jesus at the end of the seven years there will even be a new outpouring of the Holy Spirit over Israel to prepare them for reconciliation with the Messiah:

“And I will pour upon the house of David, and upon the inhabitants of Jerusalem, the Spirit of grace and of supplications: and they shall look upon Me whom they have pierced, and they shall mourn for Him, as one mourneth for his only son, and shall be in bitterness for him, as one that is in bitterness for his firstborn” (Zech. 12:10).

It is, therefore, completely wrong to teach the Holy Spirit’s absence on earth during that time. Because the church, as the temple of the Holy Spirit, will not be here, the Spirit will not operate in His Pentecostal fullness. But He will nevertheless be here as the Spirit of judgement (Is. 4:4) and also the Spirit who convicts people of their sins (Jn. 16:8).

Nature of the falling away

The falling away that will occur after the revelation of the Antichrist on earth will be far worse than the falling away which is experienced during the last days prior to the departing of the Christians (cf. 1 Tim. 4:1, 2 Tim. 3:1-5, 2 Tim. 4:2-4). After the rapture and the revelation of the Antichrist, the whole world will be plunged into utter moral and spiritual darkness. An international culture of sin will emerge from the moral falling away, in which the worst imaginable blasphemy, malignancy, corruption, theft and violence will occur.

The spiritual falling away will lead to the establishing of a deceived alliance of world religions under the leadership of the Antichrist as universal messiah. In the middle of the seven years he will enter the rebuilt temple in Jerusalem and declare himself to be God (2 Thes. 2:4). This rebellious act will be followed by the world-wide worshipping of the Antichrist and the Devil (Rev. 13:4), and will constitute the worst form of spiritual falling away from the truth.

An end-time Antichrist

A very important statement that Paul makes about the Antichrist is that he will be an end-time world dictator. His public appearance will be suddenly and dramatically terminated by the second coming of Jesus Christ, who will consume him with the spirit of His mouth, and destroy him with the brightness of His coming” (2 Thes. 2:8).

This very clear statement disqualifies all historical dictators as the final “man of sin” as they only paved the way for the coming of the end-time Antichrist. John said: “Little children, it is the last time: and as ye have heard that Antichrist shall come, even now there are many antichrists; whereby we know that it is the last time” (1 Jn. 2:18).

Also consider the following pronouncements about the Antichrist: Daniel 9:27 says that for one year-week (of seven years) he will confirm a strong covenant with many nations. In the middle of the week, which is after 3½ years, he will cause the sacrifices in the temple to be ceased. He will desecrate the temple, have an image of himself placed holy of holies, forbid all religions, and force people everywhere to only worship himself and his image. During that time he will institute a devastating reign of terror.

The Lord Jesus referred to this ominous time when He described to the Jews the great tribulation that will occur immediately prior to His coming:

“When ye therefore shall see the abomination of desolation, spoken of by Daniel the prophet, stand in the holy place, (whoso readeth, let him understand): then them which be in Judaea flee to the mountains… For then shall be great tribulation, such as was not since the beginning of the world to this time, no, nor ever shall be… Immediately after the tribulation of those days shall the sun be darkened, and the moon shall not give her light, and the stars shall fall from heaven, and the powers of the heavens shall be shaken: And then shall appear the sign of the Son of man in heaven: and then shall all the tribes of the earth mourn, and they shall see the Son of man coming in the clouds of heaven with power and great glory” (Mt. 24:15-30).

On that day, the Antichrist and the false prophet will be destroyed:

“And I saw the beast [the Antichrist] and the kings of the earth, and their armies, gathered together to make war against Him [Christ] that sat on the horse, and against His army. And the beast was taken, and with him the false prophet that worked miracles before him, with which he deceived them that had received the mark of the beast, and them that worshipped his image. These both were cast alive into a lake of fire burning with brimstone” (Rev. 19:19-20).

The prophecies about the appearance of the Antichrist are, therefore, still future and not historical. There were many forerunners, but now the time has come for the revelation of the great end-time Antichrist whom the Lord will consume with the breath of His mouth when His feet shall stand on the Mount of Olives during His second coming (Zech. 14:4-5).

The scene is rapidly prepared for the coming of the Antichrist. We already experience the falling away of the end of the church dispensation, and the beginning of sorrows. Soon, the hour of the departure of the children of God will come when they will be removed to heavenly places in the twinkling of an eye. Those who withheld the appearance of the Antichrist will then be taken out of way, thereby causing great spiritual darkness on earth. Under the leadership of the man of sin, who will be Satan’s ruler over an utterly depraved and deceived humanity, lawlessness and immorality will take on unprecedented proportions. As in the time of Noah and Lot, The Lord will visit this rebellious generation with great plagues and judgements during the day of the Lord.

5 opmerkingen:

  1. Reacties
    1. Bruce Wayne Amen! It's all about JESUS!

      Bruce Wayne4 days ago
      I think this video shows you are having a bigger smile than usual as this subject brings Joy only to those who can believe it. : there are so many Christians who, become "preppers", relying upon guns, gold and stored food in some bunker somewhere to try and survive the Apocalypse. And then there are Christians who simply trust God to come and get them.

      Those who store the Gold have their treasure on earth and trust in their own ability. And those who store up for themselves a treasure in Heaven, trust only in God's ability to save them and bring them to his secret place while he pours out his wrath upon the fallen world.
      Simona Rich
      Simona Rich3 days ago
      I love this comment, thank you so much Bruce.

    2. The One and Only Amen! The Lord JESUS is with us!

      The One and Only1 week ago
      I am glad that I subscribed to your channel, because I just learned something new. You are absolutely right, after the rapture, these Luciferians/Illuminati will show the world their True colors, since there will be no more reason for them to hide. We already living in the world with corrupt rules and laws, but at least we have them and people obey them. After the rapture, all rules, laws, ethics and what is considered to be right, will disappear over night. And you can throw mark of the beast there that will turn people into zombies. Death will flee from them and those who would want to die won't be able to, sounds Exactly like a Fully Blow Zombie to me. No wonder Hollywood loves showing us Zombie movies.
      Simona Rich
      Simona Rich1 week ago
      Mike John
      Mike John6 days ago
      Yup, your comment reminds me of the game "last of us" personally if that was to happen , it would be good because then we would see whose who. No more hiding,"etc.

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Thursday, October 11, 2012

CI Paints - Sweet and Shimmery Card

Hi there Crafty Friends!  I'm Kimberly, and for my first official project on the CI Paint DT I chose to color a sweet little image and make a card.  I've used several fun colors from the expansive Creative Inspirations Paint line:  Carmel, Onyx, and Blue Ice.  I've also added a bit of clear glue along the edges of the flower I made, and sprinkled on some of the Resplendence Angel Dust glitter for even more sparkle.
The Creative Inspirations Paint I've used:
The Creative Inspirations Resplendence Glitter I've used:
Thanks so much for joining me today, and I'll be back with a new project on the 25th!

Shelby said...

Your first post looks awesome! Beautiful use of the CI paints and love how this card turned out.

Danni said...

Beautiful card! So sorry it's been way too long since I've been in touch, seems like life just has a way of interfering sometimes. Hope you're doing well! HUGS!!

Kristie said...

What a pretty card!! I love the sparkle on her boots my first thought was go-go boots and she's ready to party lol :)

*Vicki* said...

Oh wow she's just adorable!! :) I love the shimmer you've added and gorgeous coloring!! HUGS

Davi said...

Sooo pretty Kimberly!! Love your coloring on the sweetie and the flower is beautiful :)

Joan Ervin said...

This is sooo cute, Kimberly!!!! You have used such a sweet image and I loooove all the sparkle!!!

Shannon White said...

Such a Darling Card and Super Sweet image! Love her Sparkly boots! 8-)

HappyCrafter said...

ok, really, really, really loving those paints and that glitter!!!!
Adorable card, too :-)

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Friday, December 28, 2007

Look who came to live with us!

This little girl joined the family today. The vet guessed she was 10-12 weeks old until he looked at her teeth. She has all her adult teeth, so he thinks she must be closer to 5 months old. Poor thing lived on a farm with about 200 other cats. The farmer didn't feed them, but just threw out old leftovers and whoever ate, won that day. Luckily for her a construction worker saw her limping and asked if he could take her. I saw the sad story on craig's list yesterday, and you may know I have a soft heart (and even softer head) for a sad animal story. So I emailed them today, and the people who took her in met me at the vet's office. She has a bum leg on her hind right. The vet thinks she was bitten by something and it's infected. She has an upper respiratory infection, ear mites...basically I came home with 5 different meds and if there is an open orifice, I have a cream, or drop to put in it. My vet told the cat that she had just won the life lottery by coming to my house to live. :)

She is really sweet. She just wants to cuddle with you and purr, which is amazing since she is for all intents and purposes a feral cat. She is a calico, and her markings are really pretty. The orange parts of her are sort of tiger striped, and she has white feet and chest.

Now, the hard part....what to name her?? Part of me wants to call her Vegas because she beat the odds, or something like that. Maybe Phoenix...dunno. Suggestions?

P.S. my allergies haven't started yet, but the vet did just give her a bath. We'll see.

Walt said...

Oh God. The Life Lottery comment just broke my heart. She's so lucky to have you. Hopefully she'll be up to snuff in a week or so. Poor little thing.

How are her new siblings taking to her?

And more pics!!

Nessa said...

Ohhhh, She is so sweet! She def has lady luck on her side :)

She is so happy to have someone love on her, oooh Holly. I love kitties.

Fairy Princess Holly said...

She hasn't officially met the siblings. I'm waiting 3 days for her ear mites to clear up first. Harvey did sneak past me and run up to her, and she hissed at him. Can't blame her, he was running at her like a maniac.

mikeypod said...

cute! something about taking in strays just makes me glad. kudos to you for adopting her!

Tim Corrimal said...

She is beautiful, Holly! I'm so glad you gave her a home! Our Kitty, Betty, who died in April of 2006 was a runt and had a wonderful live of 18 years. She spent the last 11 years of her life with us and we are still not over her death. I hope we can rescue another kitty soon. But my partner isn't quite ready yet.

Happy New Year to the entire family! You are the greatest!

RambleRedhead said...

Beautiful cat and so glad you took it home to give some love!


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Singing Loudly: Brownback Mountain

Singing Loudly

Wednesday, June 07, 2006

Brownback Mountain

I'm not sure anyone is really able to make sense of the stupid comment made by Senator Brownback (R-KA) in regards to the failed constitutional amendment regarding a constitutional amendment to ban gay marriage. Brownback is quoted as saying that "We're not going to stop until marriage between a man and a woman is protected,"

How exactly does the marriage of a gay couple threaten the marriage between man and woman? Further, how exactly will banning such, and by the way, taking away the power of the states to decide what is more appropriate in their state, protect anything else? It seems like Brownback needs to take some basic logic courses.

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 We Cannot Be Silent Preview | FamilyLife Today®

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Jacek Gmoch bigraphy, stories - Polish footballer

Jacek Gmoch : biography

13 January 1939 -

Jacek Gmoch (born 13 January 1939 in Pruszków) is a former Polish footballer, who later became a trainer and selector of the Polish National Team.

While having a successful football career he graduated in communication from the Warsaw University of Technology. Gmoch begun playing for Znicz Pruszków, to move on for a successful career in Legia Warsaw. With Legia, he won the Polish Cup twice (in 1964 and 1966) and contributed to the beginning of the successful 1968–69 season. He also became a player for the national Team of Poland (29 caps).http://www.kadra.pl/index.php?strona=historia&dzial=reprezentanci&litera=G-J

Following a major injury in a friendly match, Gmoch began a coaching career, starting in Legia Warsaw in 1969-71. Having been offered the assistant's job at Kazimierz Górski, he lasted from 1971–74. Moved to U.S. to follow his scientific career (1975–6). He returned to qualify the National Team to 1978 Mundial in Argentina (5th place). He later moved to Norway in 1979 and Greece until 2003 where he became one of the most successful and recognised coaches.

In Norway, he became Skeid Fotball manager and then he went to Greece and worked first as a manager of PAS Giannina,http://www.rsssf.com/tablesg/grk80.htmlhttp://www.rsssf.com/tablesg/grk81.html Apollon Athens, Larisa,http://www.rsssf.com/tablesg/grk83.html In 1983, he did his big step as a manager and became trainer of Panathinaikos. In his first season as Panathinaikos manager, his team won the Double and the following season, his team for second time in their history, reached the Semi finals of European Champions Cup, where they were eliminated by Liverpool. For the season 1985–86, he became coach of another great Greek club, AEK and the following season he became again trainer of Larisa and in 1988, his team won for first and only time the Greek Championship. After Larisa, he worked as a manager for Olympiacos and Aris Thesaloniki in 1991 he went to Cyprus to become APOEL trainer, where his team won the championship and he remained there until the middle of the season 1992–93. Later, he worked for Athinaikos (1994–95), Ethnikos Piraeus (1995–96), Ionikos (1997–98), Kalamata (1998–99), Panionios (1999), and again for Ionikos in 2002–03.

He acted as a member of the Polish Olympic representation team in Athens 2004 Summer Olympics and later became a minor shareholder and President of Legia Warsaw, as well as following up a career in television commentating for several networks.He is currently commentating Champions League matches for the Greek Television.

On 15 November 2010, Gmoch took over as the caretaker manager of Panathinaikos, following Nikos Nioplias, who resigned after a string of mediocre results in the first part of the 2010–11 season. As caretaker manager he succeeded to win Iraklis in the only match before being succeeded by the new manager of the team. The score was 4–2 and everybody in the stadium goodbyed him again as a winner.

Living octopus

Living octopus

In countries which are located near sea coasts, sea food is an important part of national cuisine


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Asphalt Striping in Farmington

The best way to get the most out of your parking lot is to efficiently provide good traffic flow and safe parking spaces with asphalt striping.

Let us stripe your lot with with the clear markings that make your lot a pleasure to use. We can also freshen up your current layout with new paint!

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Monday, November 26, 2007

Dead Deer Conclusion

When last we spoke of the dead deer across the street laying next to the fire hydrant, it was still there at midnight. Boy #2 got home from the movies and I went to bed. The husband was up early the next morning. When I wandered out of the bedroom my first concern is always the coffee, dead deer or not, coffee comes first. "Coffee's ready, the deer is gone." This is how my husband greeted me. Does that man know me or what?
Apparently, the husband witnessed a front-loader unceremoniously scoop up the dead deer and drive away. A front-loader? What the hell is that? He was watching ESPN Sports Center and didn't care to elaborate. I have the internet at my fingertips so I searched front loader and here is the picture I came up with. I'm glad I missed the conclusion of the dead deer saga.

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Ministry Team
Youth Minister

Nathan Berry

Send Email  •  (806)685-6928

Nathan became our Youth Minister on August 20, 2017. He has a Bachelor of Behavioral Science in Ministry from Hardin-Simmons University in Abilene. He is currently working on his Master of Art in Christian Ministry at Truett Seminary at Baylor University.

Nathan and his wife Robin have been married for three years and currently do not have any kids, but have two dogs, Bailey and Bruiser.

Nathan believes that it is the whole church congregations role to raise up strong Christian teenage leaders who will be both the future of the church and leaders in the world (1 Timothy 4:12). He will be challenging students to make sure that Christian is not just a title that they have, but a lifestyle that they are living out each and every day. One of his favorite Bible verses which he feels really hits on how we should serve others is Colossians 1:24, "I now rejoice in my sufferings for you, and fill up in my flesh what is lacking in the afflictions of Christ, for the sake of His body, which is the church."

Contact Us
First Baptist Church of Gholson
  • 228 Wildcat Circle
    Waco, Texas 76705
  • Phone (254) 829-2321
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Pairing Dispute Process

The Scheduling Improvement Group works incredibly hard for the crew force. Every month, the SIG and PSIT (Pilot Scheduling Improvement Teams) sift trough thousands of pairings to:

“provide, through joint participation and cooperation, a process that promotes, to the greatest extent possible, a reasonable balance between … both parties (Company and Pilots).”

CBA 25.BB

One of the ‘newer’ processes is HOW we dispute pairings. You may have wondered where they went. They still exist, continually vetted by the PSIT. But, if they are fatigue-related disputes and not ‘solved’ by the company at the end of the build week – they will be processed by the FRMG (Fatigue Risk Management Group).

The FRMG disputed track process is a new way to scientifically analyze a pairing (CBA 25.BB.5). This includes running the pairing(s) through Company and Union approved fatigue modeling software, ascertaining pairing DNA, comparing it to established DNA, and gathering sleep data from pilots.

An example of this:

In December of 2015, the SIG disputed a Hong Kong A300 sequence. The FRMG targeted this pairing for data collection in accordance with the new disputed pairing procedure but was unable to collect data since the disputed sequence was dissolved. With no further pairings to study, the issue remained dormant until Summer.

In June 2016, the pairing design returned in the 767 bid-pack. Instead of a single pairing, the sequence was now found in a majority of the Hong Kong bid pack. The pairing DNA consisted of a day, three-leg, 11-hour duty period, 25 hours off then a two-leg night hub turn. The SIG disputed the sequence again, and the data collection effort began. Undertaking the data collection effort was logistically very complex: actigraph equipment needed to be in place, a protocol was developed, request for pilot volunteers was disseminated, and members of the Fatigue Risk Management Group flew to theater to coordinate the effort.

Once the sleep data was collected, it needed to be validated and entered into sleep modeling software.

With all of the data collected, the FRMG analyzed and debated options. The group collectively requested the pairing to be rebuilt to facilitate better rest options.

The dispute process using the FRMG track is still a work in progress. The initial December pairing, notwithstanding, took six months from dispute to resolution. This is not optimal, but we continue to streamline the process with experience, efficiency and added levels of automation.

The FRMG would like to thank all of the pilots who have volunteered and will volunteer in future sleep studies. As the FRMG track continues, we will continue to need volunteers to collect data.  This data will be used to manage the fatigue risk. We appreciate your patience and assistance.

Rob Bassett

Fatigue Risk Management Committee Vice Chairman


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Tuesday, May 14, 2013

Be your own princess charming

I recently came across this lovely series of photographs from photographer Jaime Moore in Austin. She wanted to take photos of her 5-year-old daughter, Emma, on her birthday. While looking for inspiration on the net, all she could find was how to dress one's daughter like a Disney Princess. So she took matters into her own hands -
It started me thinking about all the REAL women for my daughter to know about and look up too, REAL women who without ever meeting Emma have changed her life for the better. My daughter wasn’t born into royalty, but she was born into a country where she can now vote, become a doctor, a pilot, an astronaut, or even President if she wants and that’s what REALLY matters. I wanted her to know the value of these amazing women who had gone against everything so she can now have everything. We chose 5 women (five amazing and strong women), as it was her 5th birthday but there are thousands of unbelievable women (and girls) who have beat the odds and fought (and still fight) for their equal rights all over the world……..so let’s set aside the Barbie Dolls and the Disney Princesses for just a moment, and let’s show our girls the REAL women they can be.
Here are a few of these remarkable photos:

The rest of the photos are here: http://www.jaimemoorephotography.com/2013/05/09/not-just-a-girl/

I would love to see the marketing industry, toy industry, and Hollywood follow Jaime Moore's lead. K-12 STEM outreach is great and all, but if we want to make a significant impact we need to get ImagesOfGreatness (beyond beauty) into the minds of young women on a daily basis.


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 Fenyőfa 01 - Receive The Assistance You Are Going To Need To Have To Be Able To Move To Your Brand-new

Receive The Assistance You Are Going To Need To Have To Be Able To Move To Your Brand-new

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Established 1996 Serving All of Canada

Newsletters 2006 > August 2006

Insurance Policy Exclusions

R.E. et al v. The Wawanesa Mutual Insurance Company et al 80 O.R. (3d)
114 (MARCH 7, 2006)

It is no doubt a cynical view that a trial judge may be inclined to interpret an insurance policy or indeed the very facts of a case to ensure a certain result thereby allowing an injured person to receive "something." When reading such cases, one is left to muse about the dismay of counsel and clients when seemingly favourable facts and law have been interpreted in an unfavourable way in the final judgment. With each case, lessons are learned and hopefully actions are taken to remedy any future problems.

R.E. et al v. The Wawanesa Mutual Insurance Company et al 80 O.R. (3d) 114 was decided on March 7, 2006 by Justice Pierce of the Ontario Superior Court of Justice. The case had facts which must have been, at one time, considered favourable to the insurer's position.

The minor R, aged 15, was a most delightful fellow. He was in the legal custody of his mother but went to live with his father, cutting off all contact with his mother. His father failed to supervise him and R grew marijuana plants in his room and played with guns and ammunition, which were stored in an unsafe manner in his father's home. When his father was forced to undergo alcohol dependency treatment, R lived with his aunt and uncle who expected him to be there for several weeks and assumed responsibility for him. R was "unsupervisable" and, while he was forbidden to enter his father's home, R broke into it with his friend. While the two boys were examining a shotgun while illegally on the premises, R pointed it at his friend and the gun accidentally discharged seriously injuring the friend. R then pleaded guilty to criminal negligence causing bodily harm. The friend and family brought an action against R, R's parents and R's aunt and uncle in negligence and obtained judgment against R and his father. R's father was uninsured and the friend's family then sued R's mother's insurer and also the insurer of the aunt and uncle under Section 132 of the Insurance Act which allows a judgment creditor to step into the shoes of the judgment debtor to claim for unpaid available insurance. Counsel moved for a determination before trial on the question of whether (1) R was an insured under the homeowner's policies of his mother or his aunt and uncle and (2) whether he was subject to any exclusions in the policy so that the recovery was barred in any event.

The court found that the definition of insured included relatives and any person under 21 while in their "care" and "while living in the same household". The court found that R was a member of the household of his aunt and uncle even though it was on a temporary basis but found that he was not a member of the mother's household as she had given up custody and did not try to supervise him. The fact that the mother had custody of R pursuant to a court order was not determinative although it was a fact to be considered. The court considered a wide variety of facts including level of guidance, discipline, companionship, provision of necessaries such as shelter, food and clothing, attention to health and education, protection and nurture. "Care" required both meaningful contact and consistency. The definition of "household" applicable to modern blended families and less traditional living arrangements is evidently ever expanding.

Pierce J. applied the reasoning in Wright v. Canadian Group Underwriters Insurance Company, 2002 BCJ No. 810 [2002] 5 WWR 612 (C.A). In Wright, the Alberta Court of Appeal had concluded that membership in the household could be temporary, transitory and cyclical and could be stretched to include teenage children of divorced parents who would live part of one year in a parent's home and the remainder of the year with another parent. This has been extended to cases involving university students as well. The intention of the members of the household is also important including an intention to return to the household or lack thereof as well as that person's role in the household. Temporary residence including episodic use of a family cottage also would qualify a child for coverage such as in the Woods v. Creb [2004] O.J. No. 3635, 133 A.C.W.S. (3d) 538 (C.A.).

On the exclusion question, both insurance policies excluded coverage of an insured for any "intentional or criminal acts" that produced bodily injury or property damage. The court found that, for the exclusion to apply, any intentional act had to be combined with intent to injure. Without the intent to injure the harm would be "accidental or unforeseen". The conviction for criminal negligence was not a "criminal act" caught by the exclusion clause. As R did not intend to injure his friend, the exclusion did not apply. The insurer's counsel attempted to argue that R's marijuana cultivation and breaking into his father's home were both intentional criminal offences, but the court found that the criminal behaviour did not cause harm to the friend and was, therefore, irrelevant. The court found that R was not excluded under either policy on this ground.

It is of note that Section 118 of the Insurance Act states that:

"Unless the contract otherwise provides, a contravention of any criminal or other law enforcement in Ontario or elsewhere does not, by that fact alone, render unenforceable a claim for indemnity under a contract of insurance except where the contravention is committed by the insured or by another person with the consent of the insured with the intent to bring about loss or damage…. " (emphasis added)

The court found that the original trial decision did not find that R intended to harm the friend, R had not been charged with assault and that, in a S. 132 action, the insurer could not retry the facts. The wording of the policy did not take this case out of S. 118.

This decision is interesting as the court went to great lengths to examine the reality of modern life and blended families and different "households" for the purposes of defining the scope of who is an "insured".

More importantly though, the decision underscores the need to revisit policy wordings regarding exclusions. The court, at page 134, specifically indicated that proper drafting of the insurance policy to cover any criminal act would have effectively avoided this result.

This newsletter is published to keep our clients and friends informed of new and important legal developments. It is intended for information purposes only and does not constitute legal advice. You should not act or fail to act on anything based on any of the material contained herein without first consulting with a lawyer. The reading, sending or receiving of information from or via the newsletter does not create a lawyer-client relationship. Unless otherwise noted, all content on this newsletter (the "Content") including images, illustrations, designs, icons, photographs, and written and other materials are copyrights, trade-marks and/or other intellectual properties owned, controlled or licensed by Fernandes Hearn LLP. The Content may not be otherwise used, reproduced, broadcast, published,or retransmitted without the prior written permission of Fernandes Hearn LLP.


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Sunday, January 24, 2010

Track not Target

So much for remembering words exactly! I misread this last week Creative Cue! Above is my art work for the word 'Target'. I was inspired by the book, Journal Bliss by Violette.

maggi said...

I can see this as a wonderful stitched piece for your studio. You may have got the word wrong but it is a great piece regardless.

Sue Bleiweiss said...

well they both start with the same letter! But no matter on missing the word because you created a great piece anyway - nicely done!

Terri Stegmiller said...

I think that it doesn't matter in the end what word you used for your weekly inspiration. The point is to actually do something, which you did, wonderfully, I will add!


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short question about EX disputing......

Regular Contributor

short question about EX disputing......

whats the best way to do it?? ive read several times that experian disputing online is very sheisty. i've had luck  getting things off online but i dont wanna roll the dice with these next 2 or 3 things. i dont see a link for snail mail disputing either...........

Message 1 of 3
New Contributor

Re: short question about EX disputing......

Me personally, i would always mail it in, for several reasons, not the least of which is when you dispute online they make you waive some of your rights in the fine print. Their mailing address? (they dont make it easy to find do they? Welcome to the wonderful consumer friendly world of credit bureaus lol!)

The latest one i have for them for disputes (they seem to change it all the time and also have several addresses) is

PO BOX 9701

Allen TX 75013

You can google  this address to confirm it is still the best one. Hope this helps!

Starting Scores: 9/19/2012 EQ 613 / TU 526 / EX 543
Current Scores: EQ 716 TU 724 EX 724 Goal Scores: 700
Message 2 of 3
Regular Contributor

Re: short question about EX disputing......

thank you dear.............

anybody else? Smiley Happy

Message 3 of 3


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ASIA/SYRIA - Greek-Melkite Patriarchate: Patriarch Gregoire III continues to carry out his tasks

Monday, 6 March 2017 oriental churches   synodality

Damascus (Agenzia Fides) - A note released by the communications office of the Patriarchate of Antioch of the Greek-Melkite reports that Grègoire Patriarch Laham III continues to carry out his role, is preparing to launch "new projects" and plans to "double his efforts at local and international levels", to "alleviate the suffering of the population in the ongoing crisis, especially in Syria, Iraq and Palestine". The statement makes explicit reference to articles published in the local media, containing hints of the possible resignation of the Patriarch, and reprimands media representatives to publish news only after checking the reliability.
From 21 to 23 February, the Patriarch and the Greek-Melkite bishops had gathered in the Synodal Assembly at the Patriarchal See of Raboué, in Lebanon. At the end of the Assembly, a statement had been released in which the Patriarch and the Bishops had officially recognized their mistakes that led, in June 2016, to the cancellation of the previous synodal Assembly. On that occasion (see Fides 22/06/2016), the Synod of the Greek-Melkite Catholic Church, after having opened on June 20 in Ain Traz in a climate of high tension, was interrupted and postponed due to the absence of a number of bishops. The issue had highlighted the divisions within the Greek-Melkite episcopate, which became increasingly concrete in the request for the resignation of Patriarch Gregoire III, supported by a group of at least ten Bishops. Then, in a following pronouncement of the postponement of the Synod, Patriarch Grègoire had remarked that the canon law of the Eastern Catholic Churches does not provide for the possibility of forcing the Patriarch's resignation against his will. (GV) (Agenzia Fides 06/03/2017)


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4 in a row Tutorial

A Brief Introduction to 4 in a row

4 in a row is a rather simple board game. At least the rules are simple. But how about the game? 4 in a row is solved, i.e. the game has been calculated from start to end by computer and it has been proven that the player to start can always win. However only if she puts the first stone in the central column. For humans, 4 in a row remains a challenge. This tutorial is supposed to give you some ideas on how to play if you want to win. To begin, let me state the obvious - if you want to get four stones in a row, you must first have 3 of your stones in the row (or diagonal). And before you have 3 stones in a 4-row, you must first have 2 there. And before...
figure 1 So the first simple lesson is this: drop your stones in places where they will have the biggest effect in terms of 4-rows in which they participate. This is illustrated in figure 1: denoting squares by columns a through g and rows by 1 through 6, we can see that square a1 which is indicated by the red arrow only participates in 3 4-rows, whereas square d3, indicated by the blue arrow participates in 4 horizontal, 3 vertical and 6 diagonal 4-rows, making a total of 13 4-rows - a stone on d3 is much more effective than one on a1.
If either side does not follow this basic principle, the other side will get lots of tactical possibilities. I am going to refer to forcing winning lines as "tactical", whereas there is also a long-term strategic goal to the game. First, I would like to look at some typical 4 in a row tactics. They usually work by creating two threats to get 4 in a row which can not be stopped simultaneously, or by creating a threat which can still be stopped, but stopping the threat loses in another way.
figure 2

Figure 2: Yellow to play and win

Figure 2 shows a very simple win for yellow. He can either play b1 or e1, creating either the threat to get 4 in a row with a1 or e1 or, in the case of e1, to get 4 in a row by playing b1 or f1. Red can obviously not stop both threats at once and loses. Most tactical possibilities are similar to this, but a bit more complicated.
figure 3

Figure 3: Yellow to play and win

Figure 3 also shows a simple win for yellow: by playing e3 he creates the threat f3, forcing red to answer f3, but then yellow plays f4 and gets 4 in a row in the diagonal.
figure 4

Figure 4: Yellow to play and win

Figure 4 shows a more complicated forced win for yellow. By combining immediate threats, he wins: d5 forces red to play d6, then f3 forces red to play f4, and e3 forces red to play g1. Note that a different move order would also work in this example. Now yellow plays e4, leading to figure 5.
figure 5

Figure 5: Red to play

In figure 5 yellow has created a vertical double threat by the forced sequence from figure 4: yellow could win by either taking g2 or g3. Such a constellation always wins immediately (of course only in the absence of direct threats of the other side). Red has to put a stone on g2, but then yellow wins with g3. A vertical double threat wins because the side which owns the threat can just start filling in the column, until he threatens to win with the lower of the two threats, and the other side cannot stop him because stopping the first threat will allow the second one to be executed.
Tactical wins are nice, but usually only possible against inexperienced players. Stronger opponents will never allow you such quick wins. This is the point where strategic considerations become important. The geometry of the board is important here, or, to be more precise, the height of the board is decisive - there are 6 rows. That means that if all but one columns are filled, the side to start - yellow - will end up occupying all squares in the odd rows of the remaining column, while red will end up with the even squares. This simple fact is very important: yellow has to aim for a threat on odd rows, while red has to aim for a threat on even rows. If red has one threat on an odd row, he will not win, and yellow can not win with one threat on an even row. The two sides have to adopt different strategies, then, making 4 in a row an asymmetric game.
figure 6

Figure 6: Yellow to play

We have seen that one threat for yellow on an even row won't win. How about two? This situation is shown in figure 6. Yellow has created two even threats on the second row. However, this also doesn't help him. Once the remaining 5 columns are filled, yellow has to play in column b or f, losing his threat there. He keeps one even threat - which leads to a draw.
figure 7

Figure 7: Yellow to play

Two even threats for yellow don't win - so how about two odd threats for red? In figure 7, red has created two odd threats - and he's winning! All other columns have been filled, and yellow has dropped one stone in column c, to which red responded with g1. Now yellow has to drop a stone and will lose. Again, we see that 4 in a row is an asymmetric game. Having two "wrong" threats is wrong for yellow, but right for red. It's easy to understand: If there is a threat on an odd row, it effectively changes the role of red and yellow, because an odd number of stones can still be dropped in that column. Therefore, if red has one threat in an odd row, he can win by creating another threat in an odd row. Of course, he can also win by creating a threat in an even row and giving up the threat in the odd row.
So the message is the following: Try to use your stones efficiently. Create threats in even or odd rows depending on whether you started or not. Multiple threats can be evaluated by first ignoring threats on even heights - they don't change anything for counting. For example, if yellow has a threat on an odd height, red should not play for one even threat. It won't change anything. Red will have to play for an odd threat, as this will reverse the roles of the two players. If red succeeds, yellow will have to give up his threat and the game will end in a draw.

Further Reading

James D Allen has written an article on expert play in 4 in a row. It explores the above ideas in (much!) more depth and with more Japanese words ;-) - it also gives you a list of the winning openings. Allen was one of the first two persons to solve 4 in a row. The other was Victor Allis. Velena is a DOS program which plays perfectly.

Written in march 2000 by Martin Fierz, 4inarow(a)fierz.ch. Comments on this tutorial are welcome!


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Film and the American Dream

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The American Nightmare in American Beauty

   There have been countless movies since the invention of film in the late 1800's that have exemplified or addressed the American Dream. From silent classics such as Birth of a Nation or The Kid to more modern films like Cinderella Man or The Wolf of Wallstreet. Each has a slightly different perspective on the American Dream, some celebrating it while modern films increasingly criticize it. But perhaps no film represents the state of the American Dream in our society today than American Beauty.
   American Beauty is a film about Lester Burnham, his family, and neighbors. Lester works a boring office for an ad agency, and basically hates his life. His family has seemingly acquired the American Dream. Lester has a "good job" despite hating it, they own a lovely house complete with white picket fence, and seem to be like any other middle class American family. However despite being relatively well off in the middle class and having many physical possessions, there is an undercurrent of anger, frustration, and discontent within the entire family. this can be seen in how Carolyn, Lester's wife, has to psych herself up for her workday as a realtor just to have a private meltdown at the end.
Lester himself eventually breaks free of his mundane life and starts trying to live free of the social and societal burdens that have been weighing him down. He quits his job in a spectacular fashion and begins living the life he always dreamed of. He works out, acts out, and has not too virtuous fantasies about his daughter's friend, which he hopes to live out.
One of the iconic scenes in the film is of course the floating plastic bag scene. Lester's daughter becomes romantically involved with the neighbor boy, who almost compulsively films everything he sees. He tells her that he wants to show her the most beautiful thing he has ever recorded. That clip is of a plastic bag caught in a tiny sort of tornado. The wind keeps swirling the bag around a concrete courtyard. This is perhaps a great metaphor for the American Dream. The most beautiful thing he saw was a plastic bag, a synecdoche of our consumerism, floating around, notably empty. This signifies that all of our industrialization and consumerism is hopelessly empty, and only the wind, nature, acting on the remains of a past purchase, has any meaning. This is the crux of the film. When you have achieved the American dream of commercialism and capitalism yet society keeps urging you to want more and climb higher on the social ladder, where does one find meaning?


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            Michael Ende

            Born 1929 in Germany as son of a surrealist painter who was banned by the Nazis in 1936. Went to Waldorf-school and deserted when he was called to the army at age of 16 in 1945. After the war he became an actor, critic and finally writer. His first big success was the children's book "Jim Knopf und Lukas der Lokomotivfuehrer" (Jim Knopf and Lukas the Engine-driver). Although he got much praise and many awards he remained modest, almost shy, preferring his fantasy world but still keeping an eye on the real world in his stories.

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How To Budget Money

Budgeting money is something of a neglected necessity in the modern world, with so many people lured into spending regardless of their financial situation. It has become almost the norm to spend each month more than is earned, often without even knowing it. This has led to severe debt problems for millions of people in the US and UK in particular, and an encouragement and acceptance of ignorance in personal money management.

Despite all the bad debt write offs, the banks and other lenders are happy with the situation. They build the risk factor of bad debts into their interest rates to ensure overall profitability, so borrowers are paying for the collective lack of ability to budget properly. Yet, budgeting is easy, so it is baffling in some ways that many people are unsure how to budget money.

Being able to budget your own money is a bit more than listing your incomings and outgoings each month, quarter, year, or whatever period you need to budget for. Yes, you must go through the listing process, and then keep an eye on both sides of the equation constantly. But there are other factors in home budgeting, and that is what this article is about.

The Greatest Incentive

To encourage yourself to budget money is important, as without the motivation, you will probably not budget that well. What incentive can there be to having a home budget and sticking to it? The answer is actually quite simple. Nobody becomes rich by spending more, or even the same, each month than they receive. Wealth grows from surplus; that is, the surplus left over at the end of the month after you have completed your spending.

Recognizing this can provide you with a kick start in wanting to learn how to budget money, and then put that learning into practice. Once you start to see those surpluses build, your confidence in wealth building, and incentive in budgeting, will grow.

Keeping Detached

It is important when budgeting to maintain a detached view of the figures. Think of yourself as a finance professional helping a consumer set and manage a home budget, and set yourself aside from any emotions that may seep out during a review of your budget. Some parts of the budget can arouse emotions, and thus distort sensible decisions. Things like cutting out a family holiday or weekend trips, that new bike for your son or designer outfit for your daughter, can be emotional sparks. It is important not to allow those sparks to set light to your well drafted budget.

Be Open

If you have a family, the household budget affects those closest to you. The budget is a family affair, and it does help to talk openly about it with your spouse and children who are old enough to understand. Children may not like sacrifices, but they will understand eventually. It can be an important part of their education if you involve them. If you can give them some incentive, too, such as building their own savings scheme into the budget, then they may even start to enjoy it and truly see the benefits.

Ignore Peer Pressures

Your personal budget is simply that, personal. It is therefore something you should see in the context of your own circumstances, not somebody else's.

To budget your money effectively you really need to be able to ignore peer pressures that may force you into unnecessary or unwise spending. Just because your neighbour or best friend is having two foreign holidays this year does not mean you need to also. Just because your brother or other relative has a new home cinema system does not mean it is essential for you too.

If you can let peer pressure run off you, like water off a duck's back, then you have made a big breakthrough in learning how to budget money.

Those are just a few of the other factors that come into play in learning how to budget at home, but they are all worth considering as you focus on your incomings and outgoings while home budgeting.


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Worthington Ellis Heating & Plumbing

Category: Heating Consultants | show me more

Address: 43 Gainsborough Rise
MK41 7NS

Mobile: 07831 8... Mobile: 07831 8...

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Rc French Heating & Plumbing Engineers

Category: Plumbers | show me more

Address: 42 Bradgate Road
MK40 3FG

Mobile: 07779 3... Mobile: 07779 3...

 Website: www.plumbersinbedford.co.uk
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Hummingbird Restaurant

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Address: Main Terminal Building
Cecil Pashley Way
West Sussex
BN43 5FF

Landline: 01273 4... Landline: 01273 4...

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Wait until the last minute to order a Pace Band?
Choose Expedited or Express Shipping at Checkout and receive your Band in 1-3 Days.

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Casper Marathon Reviews

5.0 Stars from 1 Runners

By about 2016

This was one of the better marathons that I have completed. There are many pros to this race. There are at least five hotels within walking distance of the start/finish area and all were reasonably priced. A shuttle was available to the start if desired, but most people won't need it. It is a smaller race (only 120 finishers this year) with a home town feel to it. An indoor waiting area at the start meant that runners could stay warm and dry in the event of cold/inclement weather. There were also REAL indoor bathrooms at the start, and plenty of them. No waiting in lines at porta potties here. It was a scenic course. No skyscrapers, only wide open prairies, mountains in the distance, trees, the river and some wildlife. You can expect sunny weather as this is typical for Casper this time of year. Every aid station had water, Gatorade, GU, oranges slices and watermelon. Aid stations were available every 1.5 to 2 miles. The post race finish area also had these same amenities, with the addition of chocolate milk, blueberries, blackberries, raspberries, strawberries, grapes, apple slices and pineapple at the finish. There were also Pizza Hut pizza and Subway sandwiches, soda and beer. Free beer. Plenty of shade at the finish area, too. There are a couple of drawbacks to the race, too. First, the weather. Yes, I know I listed the weather as a pro, but being sunny meant it warmed up quickly and there is not a lot of shade on the course. Hats and sunglasses are recommended. Miles 6-9 or so are on a curvy section of the bike trail. Be sure to "run the curves" so as not to add any extra distance to your race. The altitude can be an obstacle if you are not used to it. Being a smaller race meant there were not a lot of spectators/supporters on the course, either. Overall, I thought it was a very good marathon. For 50-staters, this should be your Wyoming race!

5 / 5 Stars

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Holiday Fine Arts and Crafts Show at Lone Tree

Join us for the 25th annual holiday fine arts and craft show featuring the region’s finest artisans in the unequaled elegance of Lone Tree Golf Club and Hotel.

November 1st-4th, 2017

Wednesday & Thursday, 10 am to 6 pm

Friday, 10 am to 8 pm

Saturday, 9 am to 5 pm

Held at Lone Tree Golf Club & Hotel

9808 S. Sunningdale Boulevard

Lone Tree, Colorado 80124

Handcrafted Gifts • Holiday Decor • Luncheon Available
Admission $3 • Please, No Strollers

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Be Finwise

What is Financial Planning?

Financial planning is a process by which you identify your goals and plan your finances to achieve them. It is about deploying your money sensibly with the end goals in mind. It is not a one time affair but an ongoing one where you review and tweak your plan as per the changed circumstances, lifestyle and financial goals.

To illustrate the need for financial planning let us take the case of 50 year old Mr. Ravi who invested money in a much focused manner but without a financial plan. He is a very disciplined investor. He has been setting aside 35% of his income from age 30 towards investments. He has done well professionally and has had an average growth in salary of 10%. He has invested in Bank FDS, insurance policies, gold and the house he currently resides in has been brought from his savings. He chooses to retire at 55 and will live for another 25 years. One would think that given his focus he would have built up substantial wealth, he was headed towards a comfortable & secure retirement. You would be extremely surprised to know that the money invested by him would have just barely beaten inflation assuming he managed post tax returns of 8%. His corpus would not be enough for his retirement leave alone other goals.

Why and when does one need an Financial Plan?

I have often come across people who ask me these questions

1) Are you serious? Why would we need a financial plan? Is it a new fad?

You do have a plan for your next holiday or how to celebrate your kids next birthday don’t you? If you could spend time to try to organize something just so that it is well organized and you derive maximum from the event, why not give time to put your personal finances into order? After all this is one thing which could pay you rich dividends by way of realization of dreams and the ability to live a fulfilling life.

2) My parents never had a financial plan they seem to have done well?

True. Our parents are somebody who we look up to and it should be that way. But many things have changed over the course of the years. Let’s consider the common situations that parents of our generation went through.

For many parents from the previous generation, we their children are their retirement plan! They had strong belief and confidence that they will be taken care of by their children. With changing family dynamics, this may not be true for us. Even if it were, I am not sure if we would be comfortable with the situation.

Also, many in our parents generation did not really have either that much disposable income to invest or many options where they could invest unlike us, with traditional wisdom being to invest in debt and in some cases, gold. Hence, even if some of them had built corpuses, they would be inadequate to take care of their complete post retirement needs. Most of them would have under estimated the erosive effect of inflation and therefore not foreseen the negligible real return on their corpus. Comparing our circumstances therefore with theirs would really not be an apple to apple comparison.

3) Are you telling me I am smart enough to make money but not smart enough to handle it?

No. If you can spare the time to understand the various options available to you and the best fit route to achieve your dreams you could make a financial plan yourself. Planning involves understanding, strategizing, implementing, reviewing and course correcting which therefore require that you invest significant time on an ongoing basis towards it. Time is a commodity which most people with their hectic lifestyles always run short of. Some wise man said (possibly someone who realized this a bit late) – “Financial Planning is one of the most important tasks which we end up never giving time for”.

Having said that, even if you make a financial plan yourself, you would definitely benefit from the objective perspective of an expert to either tweak or validate the plan to ensure that your goals are achieved.

Can I do my Financial Plan myself?

Making a financial plan requires you to devote time in understanding various products available and their suitability keeping your risk appetite and time frame in mind. While hiring a financial planner will help you navigate the maze with ease, you can choose to do it yourself. There is a lot of help online which can help you understand the basics as well as advanced features of various products as well as categories. You can check & for insightful articles concerning personal finances and for basics on mutual funds. We also send weekly newsletters covering various aspects of personal finance. Click here to receive them.

It is very important for you to keep in mind that financial planning is a process not an event. Just making a one time plan is not going to take you very far. It is crucial to review your plan at regular intervals. Another absolute must is to ensure that you are committed to implementing your plan.

The process of Financial Planning consists of

1. Identifying your current situation

Taking stock of your current situation is the starting point for a financial plan. It is important to understand your current investments, income and expenses. The quality, accuracy and relevance of the financial plan is hugely dependent on the accuracy of the above data. This is like the foundation of your entire exercise and hence one should spend time to do this as accurately as possible.

2. Developing your financial goals

All of us have aspirations and goals in life. With a super hectic schedule one rarely gets time to sit and think about what ones goals in life are, leave alone figuring out how to reach them. Some goals which are common to most of us are educating our children, having a self reliant and peaceful retired life, moving to a bigger house etc. The process of putting your goals on paper is quite a liberating exercise. Many of you will sleep better at night knowing that you know where you want to be and how to get there.

3. Identifying alternative courses of action

Once you know where you want to be the next step would be choosing your route to the destination. This choice can have far reaching consequences and may eventually decide whether you are able to achieve your goals. It is important to list down various options available to you to reach your destination.

4. Evaluating alternatives

Now that you have various options listed down, you will need to understand the risk and return relationship of various asset classes and your ability take those risks. Post this you need to navigate the huge maze of products available at your disposal and choose the right one.

5. Creating and implementing your financial action plan

Once you make the plan you map your goals to the action plan decided upon and implement it. The essence would be to implement it right away and stay focused and true to the path you have chosen to take.

6. Review and revise the financial plan

At the cost of repeating myself I would like to reiterate Financial Planning is a process not an event. It is extremely important to keep revisiting and reviewing the plan periodically to account for both changing circumstances and changing aspirations.

Is Financial planning only about personal finance?

Undoubtedly most people embark upon the journey of financial planning primarily to streamline personal finances and ensure they meet their life’s goals. What is surprising though is the clarity and peace of mind the process brings to your life. Yes, it is about primarily putting your personal finances in order, but when you have a plan in place, it leads to not only a better tomorrow but also a fulfilling today. I have met customers who hadn’t taken a holiday in years and have been so busy building wealth that they had forgotten to enjoy it. With a plan in place they would be reminded that they aspire to holiday, and could afford to do so.

Financial planning also does not mean scrounging on experiences and little things which give you great pleasure like the weekend family outings, vacations and social expenses that give you immense satisfaction. It is about living your today well and being prepared for any surprises that tomorrow may hold. It about taking control of your life and not letting your money control your life!

What beyond Financial Planning?

Beyond Financial Planning would be Life Planning!

Life planning is a guided process by which an individual takes stock of his or her life, clarifies goals and challenges, and identifies the steps needed to move forward. A life planning professional can help address relevant issues and find resources – people and information – needed for a successful transition. Life planning is often collaborative because life issues cross more than one discipline. As a result, you may need to work with more than one professional, including financial planners, attorneys, coaches, counselors and other professionals. Ideally, the professional you start with will introduce you to others and will coordinate the work they do on your behalf.

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This Cocktails Neon Sign will invite more customers into your place of business. As we like to say, a neon sign is an affordable, carefree way to advertise your business 24/7.  Just hang it up and plug it in. Made in the USA by experienced craftsmen, this Cocktails Neon Sign with Martini Glass will stay cool to the touch while casting a chic glow around the room! Will you take yours shaken or stirred?

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D7.6: Reading comprehension tests

Project Reference

Project Acronym

Project Full Title

A Flexible Interactive Reading Support Tool

Distribution Level

Contractual Date of Delivery

31 Dec 2013

Actual Date of Delivery

31 March 2014

Document Number

Status & Version

Number of Pages

199 (including appendices)

WP Contributing to the Deliverable

WP Task responsible

Vesna Jordanova

Arlinda Cerga Pashoja, Vesna Jordanova

Other Contributors

Martin Keats, David Gil, Antoneta Shishkova, Sandra Freire Prudencio, Ana Gonzalez

Constantin Orasan

EC Project Officer

Krister Olson

Clinical evaluation, reading comprehension testing, MCQs, statistical analysis.

The effectiveness of Open Book in terms of improving reading comprehension for people with Autistic Spectrum Disorders (ASD) was evaluated by reading comprehension testing.

294 patients (209 males and 85 females) with high-functioning autism were recruited in the UK, Spain and Bulgaria. Comprehension tests were conducted in a controlled environment under time-limited conditions.

Each participant was presented with a battery of 6 texts followed by multiple choice questions and subjective text rating. Three of the texts were simplified through Open Book system and the other three were presented in their original form.  The order of the text presentation was randomly allocated and both researchers and participants were blind to this order. Participants were also blind to the condition of each text. Demographic trends for the sample are analysed and presented.


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pics of recent catches at walnut: , ,
Fishing Report Posted: September 13, 2003

Brought to you by

[ Lake Erie & Tributaries Fishing Report ]

Posted by Mark on September 13, 2003 at 18:55:33:

This is in response to your posted pictures. The first picture is labeled as a steelhead. It appears to me that it is a salmon (note the forked tale, the black mouth, and the greenish tint). I think this is a typical error that fishermen make in the Erie area. The fish commission has opted to discontinue the coho stocking program that has been so incredibly successful over the last 20+ years. They are complaining of the low return on the cohos. This is simply untrue from my experience. I fish the lake, the streams, the bay, anywhere that steelhead/salmon return to, and I can tell you that on average I have caught one salmon for every three fish during the fall runs. Last year I caught salmon in January through the ice on walnut. The salmon stocking has been tremendously successful; this is the bottom line. It is too bad that the fish commission likely relies upon angler reports to determine estimates regarding return. Too often the guy who says he caught a steelhead has actually caught a salmon. Additionally, eat them and notice the difference. It's no coincidence that Alaska sends its salmon all over the world.
thanks for your time,

[ Lake Erie & Tributaries Fishing Report ] (


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Doing What’s Good For You

In July I was sailing with my friend Neale in Camden, ME. It’s one of the best sailing venues in the U. S., which is why Neale lives there. He said, “You know, Harry, cycling’s been good for you.” I agreed.

I started regular cycling 35 years ago but became more devoted when we relocated to Bucks County, PA 28 years ago. This is one of the best cycling locations in the country; relatively low traffic, country roads, lots of farms and rolling hills. Cyclists who live here love it. I ride 30-40 miles, three days a week here plus an equal amount in the half of the year we spend in southwest Florida.

Today I weigh less than 40 years ago, have a high energy level, complement cycling with strength and balance exercises. Golf and Pickleball also contribute to fitness and overall sense of personal satisfaction. It’s important to have activities that provide social interaction. Research has show that happiness and social interaction are inexorably connected.

Neale has also found activities that are good for him. An avid skier, he said that he’s now a better and stronger skier at age 75 than he was five years ago. He can now keep up with a fellow skier of similar age who was once a competitive skier on a national level. He supplements this with regular workouts at his local Y plus hikes in the Maine mountains in the summer. Sailing in Penobscot Bay adds to his sense of personal satisfaction.

Seems to me that we all should find something to do that’s good for us, ideally something that we enjoy. It may take a while to build up that sense of enjoyment – intrinsic versus extrinsic motivation – but it can develop. There’s a strong sense of personal satisfaction when we know that we’re doing activities that will help us lead a long, healthy life.

I don’t think it’s ever too late to find activities that are good for us. Several of the regular cyclists in the Florida group I ride with in the winter didn’t start until they were in their 60s or even 70s.

Neale and I have benefitted greatly from finding enjoyable avocations that keep us fit and healthy. What about you?

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Developmentally Disabled

“It really came about because I had just read John Ratey’s book, Spark; The Revolutionary New Science of Exercise and the Brain and thought we ought to present an exercise option to my brother.

“Because of poor balance and coordination, anxiety and overall lack of encouragement, he had never embarked upon any physical activity in his life. Three years ago it was suggested that walking on a treadmill might be a goal he could achieve. Despite doubts all around that he could accomplish this he began walking a few minutes each morning. It’s been over three years now and he continues to walk for a half hour, five days a week. When he feels especially anxious he chooses to get back on the treadmill and walk for another session. His sense of accomplishment is such that it’s inspired others in his day program to walk on the treadmill as well.”

Read the next story.