Delaying Sex Until Marriage Improves Marriage | Boundless Line

I?m blessed to start my work days gathering with my team for a time of devotional reflection. On Tuesdays, we?ve been reading through The Daily Bible, which organizes the Scriptures in chronological order. Last Tuesday, we were reading in Proverbs, and the book's editors decided to organize the individual proverbs topically, which is a pretty interesting way to read them. I read aloud a long section on sexual purity which included Proverbs 5:1-23; 6:20-35; 7:1-27; 22:14. It struck me how much of this book of wisdom warns against the dangers of sexual immorality.

Later that same day, I was reviewing a 2010 research study published in the Journal of Family Psychology that found couples who delay sex until after marriage actually improve their marriages. The study surveyed 2,035 married couples and asked them about their initial sexual experience together (before or after the wedding). Of the 2,035 couples, only 336 couples reported waiting until they got married to have sex. The largest group of couples had sex within a few weeks of dating, and 126 couples had sex prior to dating. Examining the data, the three researchers concluded that waiting to have sex until after marriage actually improved the relationship ? for both men and women ? in four key areas:

1. Sexual quality

2. Relationship communication

3. Relationship satisfaction

4. Perceived relationship stability

According to the study, people who waited until marriage rated sexual quality 15 percent higher than people who had premarital sex; rated relationship stability 22 percent higher; and rated satisfaction with their relationships 20 percent higher.

Many young people wrongly believe that premarital sex is a good ?test? for whether a relationship has marriage potential. But this research suggests the opposite is true. The researchers observed waiting to have sex until after the wedding (what they called "commitment-based sexuality") "is more likely to create a sense of security and clarity between partners ? about exclusivity and a future."

This research supports the biblical teaching that sex is a good gift from God, but is designed to be enjoyed within the boundaries of committed marriage. Many think that God?s commands just ?take away all their fun,? but the truth is that they preserve real pleasure and take away the pain that inevitably follows disobedience. Nowhere is this more true than when it comes to sex. God?s command to wait to have sex until marriage is a gracious one, a providence. Even those who've made mistakes in the past can recommit themselves to purity and enjoy the benefits of doing things God's way.?God longs to protect us from the decreased sexual pleasure, communication, satisfaction and stability that these researchers found results from having sex before marriage.

For more wisdom on this important topic, check out these recent Boundless articles:

Sex Series: State of the Sexual Union

Sex Series: Sexy Single Men

Sex Series: Sexy Single Women

Source: http://www.boundlessline.org/2012/08/delaying-sex-until-marriage-improves-marriage.html

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Kalyn's Kitchen: Recipe for Vegetarian Stuffed Zucchini with Brown ...

My garden is still supplying me with zucchini at a pretty regular pace, so recently I decided a new version of stuffed zucchini should be on the menu.? I had some Cotija cheese that was left from a dish my brother Rand had made when he was visiting, so I guess that's what inspired me to go with a Mexican-themed version of stuffed zucchini this time.? If you're not familiar with it, Cotija is a type of hard, crumbly Mexican cheese.? It made a nice topping for these Vegetarian Stuffed Zucchinis with Brown Rice, Black Beans, Green Chiles, and Cheese, but if you don't have it you could use Parmesan, Feta, and or even a little more of the cheese blend that's used in the stuffing.

I used some of those adorable little round 8-Ball Zucchinis that I love so much, but if you don't have those, use a larger zucchini cut in chunks and then scooped out to make zucchini "cups."? The first time I made these the cheese got too brown and the zucchini wasn't quite as tender as I wanted it, so Jake and I came up with the idea of cooking the stuffed zucchinis covered for the first 20 minutes and then taking the foil off for another 30 minutes cooking time.? That time we thought they were perfect, and just right for a Meatless Monday meal! ? (You can find more meatless recipes by using the label Meatless Monday or checking Vegetarian Recipes in the recipe index, and I'm also doing a meatless slow cooker recipe each Monday on Slow Cooker from Scratch.? For more Meatless Monday ideas from other bloggers, check Meatless Monday at BlogHer, where I write a weekly post spotlighting one of the fabulous meatless recipe ideas I find around the web.)

Drain a can of black beans into a colander, rinse with cold water, and let them drain while you prep the zucchini.

I used half 8-Ball Zucchinis (on the right) and half large zucchinis cut into 3 inch pieces (on the left).

Use a small sharp spoon or a melon baller to scoop out the flesh of the zucchini, leaving a thin layer of zucchini flesh next to the skin.? (I didn't use the zucchini pulp that I scooped out, but you could use it if you were short on rice.)

Thinly slice enough green onions to make one cup and drain a can of diced green chiles. To make the filling, mix together cooked brown rice, sour cream, sliced green onions, black beans, low-fat Mexican cheese blend, and green chiles.? You can add a little Green Tabasco Sauce if you want to make it a bit spicier.? (We did.)

Use a spoon to fill with zucchini with the stuffing mixture, pressing it down so it's tightly filling the inside of the zucchini.

Cover the dish and bake the filled zucchinis for 20 minutes at 350F/180C.

Then remove the foil and use a spoon to press about a few teaspoons of Cotija cheese (or other cheese of your choice) on to the top of the zucchini.

Bake about 30 minutes more, or until the filling is bubbling hot and the cheese is nicely browned.? Serve hot. Vegetarian Stuffed Zucchini with Brown Rice, Black Beans, Chiles, Cheddar, and Cotija Cheese
(Makes 6-8 servings; recipe created by Kalyn.)

Ingredients:
8 small or 6 medium-sized 8-Ball zucchinis (or use larger long zucchinis, cut in 3 inch lengths and hollowed out to make zucchini "cups")
about 1/4 cup crumbled Cotija cheese (or other grated cheese of your choice)

Stuffing Ingredients:
1 can (15 oz.) black beans, rinsed and drained
1 cup thinly sliced green onions
1 can (4 oz.) diced green chiles, drained (Anaheim chiles, not jalapenos)
2 cups cooked brown or white long-grain rice (use brown rice or Uncle Ben's Converted Rice for South Beach Diet)
1/2 cup light sour cream
1 cup low-fat Mexican 4-Cheese blend
1-2 T? Green Tabasco Sauce (optional; taste the filling and see if you'd like a little more heat)

Instructions:
Preheat the oven to 350F/180C.? Spray a baking dish with olive oil or nonstick spray.? (Use a dish that holds the zucchini without letting them move around too much if you can.)

Drain the black beans into a colander placed in the sink and rinse with cold water until no more foam appears.? Let the beans drain while you prepare the zucchini.? If you don't have enough 8-Ball zucchini, cut a large long zucchini into 3 inch lengths.? Then use a melon baller or a sharp spoon to scoop out the inside of the zucchini, leaving a thin layer of flesh next to the skin.? Slice green onions and drain the can of diced green chiles.

Blot the beans dry with paper towels if they are still wet.? In a medium-sized bowl, mix together the black beans, sliced green onions, diced green chiles, cooked rice, sour cream, and low-fat cheese.? Gently mix to combine, then taste the mixture and see if you want to add the optional Green Tabasco Sauce. (We did, but we weren't making it for kids.)

Arrange the zucchini in the baking pan.? Use a spoon to fill each zucchini ball or cup with the stuffing mixture, pressing it down so the inside of the zucchini is tightly packed with stuffing.? Cover the dish and bake for 20 minutes.

After 20 minutes, take zucchini out of the oven, remove the foil, and use a spoon to carefully press about 2 tsp. crumbled Cotija cheese (or other cheese of your choice) on to the top of each zucchini.? Put the zucchinis back into the oven and cook about 30 minutes more, or until zucchini is tender, stuffing is bubbling hot, and the cheese on top is nicely browned.? Serve hot.

These will keep in the refrigerator for a day or two and they can be reheated in the microwave or in a toaster oven.

Printer Friendly Recipe
South Beach Suggestions:

Nutritional Information?
I chose the South Beach Diet to manage my weight partly so I wouldn't have to count calories, carbs, points, or fat grams, but if you want nutritional information for a recipe, I recommend entering the recipe into Calorie Count, which will calculate it for you.?
More Meatless Ideas with Zucchini:
(Recipes from other blogs not always South Beach Diet friendly; check ingredients.)
Gluten-Free Quinoa and Vegetable Stuffed Zucchini from The WHOLE Gang
Val's Kid Friendly Broiled Zucchini with Cheese from Kalyn's Kitchen
Grilled Zucchini and Eggplant Parmesan from Cookin' Canuck
Zucchini Bake with Feta and Thyme from Kalyn's Kitchen
Zucchini Gratin from Gluten Free Goddess ?
(Want even more recipes? I find these recipes from other blogs using Food Blog Search.)

Blogger Disclosure:
Posts may include links to my affiliate account at Amazon.com, and Kalyn's Kitchen earns a few cents on the dollar if readers purchase the items I recommend, so thanks for supporting my blog when you shop at Amazon!

Source: http://www.kalynskitchen.com/2012/08/vegetarian-stuffed-zucchini-rice-beans.html

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Watching Over The Ocean In Kailua, Hawaii

Enlarge Courtesy of HOK

A volunteer helps in Hawaii.

Courtesy of HOK

A volunteer helps in Hawaii.

Some may see the efforts of Hui o Ko'olaupoko as just a drop in the bucket, but the bucket is the Pacific Ocean and arguably every drop is important to the health of the whole planet.

HOK works with landowners in Windward Oahu to improve and conserve threatened land and to restore the watershed. So far this year, 1,150 volunteers have logged 2,947 volunteer hours.

One of the group's biggest challenges, says Executive Director Todd Cullison, is "showing measurable changes in water quality. We have been degrading our watersheds for many generations. It's not an overnight reversal of past practices."

Source: http://www.npr.org/blogs/participationnation/2012/08/27/159735754/watching-over-the-ocean-in-kailua-hawaii?ft=1&f=1007

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Overnight Video: The Dude (Director's Cut) (Little green footballs)

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Pets and More Pets ? 3 Essential Pointers for Keeping Discus Fish

Keeping discus fish is no easy task. In fact, this could charge a small fee if you want to work it the proper way. There are numerous problems that have to be met to make it work. For instance, you can?t simply put them in any tank. You need to consider the size of the tank. It needs to be large enough.

The next matter to keep in mind in keeping discus fish is the water condition. You cannot just put tap water. You need to have water filtration to make certain that the water is free of impurities and ensure that it does not contain harmful chemicals. Water filter has to be able to remove the chemicals to make certain that the fish will survive. The area of the water tank must also be secure from predators like wild birds along with other pets that may abruptly grab them from the water. Even children must not be able to get to them. Some are highly expensive where there are varieties which are near extinction and also you would want them to be safe.

An additional essential tip in keeping discus fish could be their own food. You can?t just decide to feed them any kind of fish pellets. A number of them are actually picky and also you would have to try numerous foods just like bloodworms in order to check which one they love. It would be best to ask the pet shop owner what was the previous food they have been supplying them since most of them are loyal to a certain diet once they have been completely accustomed to this and it would be difficult to change.

Fish pellets are highly recommended in keeping discus simply because they have vitamins just like carotene coming from salmon and kelp. You can also provide live plants coming from pet stores, tropical plants that are coming from tropical discus. You also have to provide driftwood, rocks along with other plants so that during the breeding process they could utilize them to put their young. It might also be advisable to put no gravel within the fish tank for easier cleansing and to make sure that the breeding place is safe. This will make it simpler for you to check the eggs if they?re situated in a secure spot.

One more thing to keep in mind in keeping discus fish is the discus compatibility along with other fish. Discus fish are more peaceful and can live together with some other fishes. Seek out varieties that will cause no harm to these varieties. Refrain from placing these together with hammerhead sharks since there is tendency for these to eat the eyes of the discus.

Remember to check all of these elements to lessen the competition and danger towards the discus fish. In addition to that, by giving the right type of food, you could avoid many discus diseases.

Put these guidelines under consideration to make keeping discus fish simpler for you.

If you wish to get the best discus fish beginners guide, you can go to http://www.discusfishpro.com today and I?m sure you?ll find a good solution.

Source: http://petsandmorepets.com/2012/08/3-essential-pointers-for-keeping-discus-fish/

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Romney to make early visit to Florida convention

NEWTON, Massachusetts (Reuters) - Republican presidential candidate Mitt Romney will make an early appearance at the Republican national convention in Tampa, Florida, on Tuesday, a campaign official said.

Romney, who had been scheduled to arrive on Thursday ahead of his prime time speech that night, will now fly to Florida the same day his wife, Ann, is scheduled to give her address.

On Sunday and Monday, Romney and his wife were at their home in New Hampshire and made trips to a local high school where they practiced their speeches.

On both days, Romney gushed to reporters about how "terrific" Ann Romney's speech will be.

Romney's schedule has been largely kept secret this week as Republican officials monitored Tropical Storm Isaac, which threatens the Gulf Coast.

Republicans canceled the first day of the convention, which was scheduled to begin on Monday.

(Editing by Jim Loney)

Source: http://news.yahoo.com/romney-early-visit-florida-convention-004545616.html

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Republican Convention schedule day by day (Star Tribune)

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Mars rover Curiosity wiggles wheels (+video)

Despite a broken wind sensor, NASA prepared its Curiosity rover for a test drive by wiggling four of its six wheels. Wednesday's drive (Curiosity's first on the Red Planet) will take the rover 10 feet and back.

By Robert Jablon,?Associated Press / August 21, 2012

The movement of the rear right wheel of NASA's Curiosity as rover drivers turn the wheels in place at the landing site on Mars is pictured in this handout taken by one of Curiosity's Navigation cameras, and released by NASA.

REUTERS/NASA/JPL-Caltech/Handout

Enlarge

Scientists on Tuesday prepared to send Curiosity on its first test drive over the billion-year-old rocks of?Mars?and said a busted wind sensor won't jeopardize its mission of determining whether life could exist there.

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Engineers at NASA's Jet Propulsion Laboratory in Pasadena turned four of the rover's six wheels in place this week in a successful "wheel wiggle" to test the steering for Wednesday's trek, mission manager Mike Watkins said.

"We are go for our first drive tomorrow," Watkins said.

The rover will move forward about 10 feet (3 meters), turn right, then back up and park slightly to the left of its old spot, Watkins said.

"You will definitely see tracks," he said.

The test drive is part of a health checkup the rover has been undergoing since arriving on Aug. 5. Eventually, the rover could roam hundreds of feet a day over the ancient crater where it landed.

Meanwhile, researchers discovered the damaged wind sensor while checking out instruments that Curiosity will use to check the Martian weather and soil.

The cause of the damage wasn't known, but one possibility is that pebbles thrown up by Curiosity's descent fell onto the sensor's delicate, exposed circuit boards and broke some wires, said Ashwin Vasavada, deputy project scientist for Curiosity.

A second sensor is operating and should do the job, but Vasavada said scientists may "have to work a little harder" to determine wind speed and direction, which are important factors that can determine when the rover is allowed to move.

"But we think we can work around that," he added.

Scientists also continued to test and calibrate Curiosity's 7-foot (2.1-meter)-long arm and its extensive tool kit ? which includes a drill, a scoop, a spectrometer and a camera ? in preparation for collecting its first soil samples and attempting to learn whether the Martian environment was favorable for microbial life.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/KmiFIcebLi8/Mars-rover-Curiosity-wiggles-wheels-video

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Reserve the Sharp AQUOS SH-10D on NTT DoCoMo from tomorrow, full launch next week

We knew the Sharp AQUOS SH-10D was due to hit NTT DoCoMo at some point this summer, and now we've got the full details. You can reserve yours through the carrier from tomorrow, and the proper launch will take place the following week on August 30th. The device will be available in the three colors you see above, and as it recently passed through the FCC, a trip to the US could also be in the cards. But unfortunately, that orange wallpaper is all too harsh a reminder of one that never ventured outside Japan.

Filed under: Cellphones

Reserve the Sharp AQUOS SH-10D on NTT DoCoMo from tomorrow, full launch next week originally appeared on Engadget on Thu, 23 Aug 2012 15:11:00 EDT. Please see our terms for use of feeds.

Permalink   |  NTT DoCoMo  | Email this | Comments

Source: http://www.engadget.com/2012/08/23/sh-10d-ntt-docomo-launch-details/

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Texas AG hails court 'victory' against EPA

SAN ANTONIO (AP) ? Republican leaders in Texas, who have spearheaded more than 20 lawsuits against the federal government in the last two years, trumpeted a second victory in as many weeks Tuesday after an appeals court overturned regulations aimed at curbing downwind pollution.

The latest ruling impacts more than two dozen states, but it was another win for Texas in a long-running fight with the Environmental Protection Agency. Texas has the nation's largest supply of coal-fired power plants, which were at the heart of the disputed federal restrictions.

The U.S. Court of Appeals for the District of Columbia ruled that regulations adopted last year by the EPA were too strict, siding with Texas and other upwind states that sought to block them. The EPA pursued the measures to cut down on pollution spreading into neighboring states.

Last week, another appeals court struck down the EPA's rejection of Texas' method for approving air permits.

Texas Attorney General Greg Abbott said Tuesday that the power plant regulations had threatened the reliability of electric service and jobs.

"Vindicating the state's objections to EPA's aggressive and lawless approach, today's decision is an important victory for federalism and a rebuke to a federal bureaucracy run amok," Abbott said in a statement.

Abbott, a Republican who is widely rumored to be mulling a run for governor in 2014, has filed 20-plus lawsuits since 2008 against various arms of President Barack Obama's administration. More than half are against the EPA, while others include so-far unsuccessful efforts to block federal health care reforms and implement a Texas law requiring voters to show identification at the polls.

Other top Texas Republicans, including Gov. Rick Perry and U.S. Sen. John Cornyn, echoed Abbott in trumpeting Tuesday's 2-1 decision by the federal panel. So did the Electric Reliability Council of Texas, which operates the electric grid for the majority of the state.

"The rule, as originally proposed, had potentially far-reaching reliability impacts for a grid in which electric use is growing far more rapidly than new generation resources are being built to serve that need," ERCOT chief executive Trip Doggett said.

Local and national environmental groups condemned the court's decision. Luke Metzger, director of Environment Texas, said the ruling "threatens the lives of thousands of Americans who have lived in the deadly shadow of power plant pollution for far too long."

The rule had been scheduled to take effect in January.

Sulfur dioxide and nitrogen oxide pollution from power plants can be carried long distances, and the pollutants react with other substances to form smog and soot, which have been linked to illnesses. The cross-border pollution has prevented many cities from complying with health-based standards set by law.

According to Abbott, the EPA's decision to include Texas under the rules was flawed because it was based on a downwind air quality monitor in Illinois. The Texas Commission on Environmental Quality said in a statement that the EPA tried installing "the nonsensical requirement that Texas reduce sulfur dioxide emissions by 47 percent in order to address a hypothetical and minute effect on a monitor hundreds of miles and several states away."

Texas is home to 19 coal-fired power plants and there are proposals to build several more.

Tuesday's decision carried greater weight than the favorable ruling the state received Aug. 13 in another lawsuit against the EPA. In that case, a divided three-judge panel of the 5th U.S. Circuit Court of Appeals struck down the EPA's rejection of the flexible permitting program used by state environmental regulators.

The flexible permit program allows plants to operate under an emissions "umbrella" that does not detail pollution from different sources. The court ruled that the EPA must reconsider the state's program.

___

Associated Press writer Will Weissert in Austin contributed to this report.

Source: http://news.yahoo.com/texas-ag-hails-court-victory-against-epa-150220692--finance.html

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From high in the sky will come the skiers | Stuff.co.nz

GRANT BRYANT IN QUEENSTOWN

The biggest Parklife Invitational event in its 10-year history in Queenstown will launch into action tomorrow evening.

More than 30 of New Zealand's top skiers and snowboarders will be hitting a 40-metre ramp from a height of more than 6 metres to pull their most extreme tricks - all in the hope of earning cash prizes and bragging rights.

This year the event will be held in the Queenstown Recreation Ground, and will tie in with other new events happening this year.

Top motocross and Redbull-sponsored rider Nick Franklin flew into Queenstown yesterday to prepare for a demonstration that will culminate in what organisers are calling a "spectacular" first for New Zealand.

Remarkables Ski Area terrain park manager Bryan Shaw explained: "We'll have riders and skiers hitting the main ramp, but also have Nick jumping over and across the main ramp as they're on it, which should be a mind-blower."

As well as the action on the ramps, DJs and MCs will be providing a soundtrack from a booth built 6 metres above the main ramp.

An after-party at Shotover St's World Bar will give the public the chance to mix and mingle with the athletes following a 9pm prize-giving at the recreation ground.

- ? Fairfax NZ News

Your club information portal, post or view your sports fixtures, results and general information.

Check out what's on in your community or post an upcoming event.

Subscribe to a digital replica of The Southland Times.

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Source: http://www.stuff.co.nz/southland-times/news/7538270/From-high-in-the-sky-will-come-the-skiers

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Are You Outsourcing The Right Business Processes | The Coal Blog

Today, it is very common for businesses to outsource their various tasks to offshore supply providers. This provides them with a wide array of benefits that includes huge cost savings, quality services, 24X7 support staff, ?
Tags: 1 | 2 | 3 | 4 | 5 | 6 | 7

Source: http://www.thecoalblog.com/are-you-outsourcing-the-right-business-processes/

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The Big Lens of Boats | The Kingdom of Squidoo

http://www.squidoo.com ?

Boats are brilliant aren't they? Fast, powerful and fun, boats come in all shapes and sizes, colours, styles and prices. Boats are a little luxury most of us can't afford.

But you may be able too!

Boats are coming down in price quite a lot, so you can even buy a boat for no more than - say a decent car. Sometimes even less.

Read ?

Source: http://squidom.com/SportsRecreation/The_Big_Lens_of_Boats

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Investing and Cash Flow Strategies Through Insurance

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There are few strategies that could be used to invest or generate extra cash flow through insurance products. Insurance is not exactly part of my usual topics but this post is part of the Insurance Movement hosted by a buddy of mine at Good Financial Cents. It shows the importance of insurance for everybody. Since there are a few ways to invest or generate a steady cash flow by using insurance, I thought it was a good angle to use for this blog. Did you know that insurance could actually generate some great returns? Here?s how:

?

Back to Back

?

The first strategy is for individuals aged between 65 and 75 seeking a stable source of income. Most older investors will get rid of their equities to buy bonds and certificates of deposit. Unfortunately, both investing strategies will lead them to struggle with inflation since today?s interest rates are so low. However, there is another option; they could buy an annuity.

?

The way an annuity works is quite simple; you write a check to an insurance company and it guarantees you a $ amount payable each year for the rest of your life. For example, you write a check of $100,000 in exchange of a yearly payment of $8,000 (so 8%). The amount of the annuity will depends on your age (this is why it becomes interesting only at 65 +). The problem with annuities is that they expire upon your death. So if you live only two years after signing the annuity contract, you got a very bad deal!

?

This is when the ?back-to-back? expression comes into play. In addition with the annuity, an investor can also purchase a life insurance policy of the same amount. For example, you write your $100K check, get the 8K payment and buy a 100K life insurance policy (check out how to get the best term life insurance quotes). The payment will be quite expensive because you are over 65 (and this is why after 75, this strategy is useless). But between this sweet spot (65-75), you can pay something like $4,000 per year for such policy. Therefore, you are making a net of $4,000 (4%) from your investment! At your death, your estate will receive the $100K while you have been making 4% on your capital during the time of your life. Not bad, huh?

?

The downsides of this strategy are:

a)????? It doesn?t protect you from inflation (your 8K will always remain the same)

b)????? Your capital is frozen until the moment of your death

The upsides of this strategy are:

a)????? You can generate a higher investment return on your capital in a secured way

b)????? The tax implication of an annuity are better than interest income

c)?????? Your capital is guaranteed

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It?s a case by case scenario and it?s highly possible that your numbers don?t match this example. But I wanted to highlight the idea so you can discuss it with your insurance broker and make the proper calculations.

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Investing Through Whole Life Insurance

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Another way to benefit from your life insurance is to invest through the cash surrender value of a whole life insurance policy. Whole life insurance policies include a possibility to put extra money (once you have paid your premium) ?inside? the policy. This account is called the cash surrender value (CSV). It?s a way to increase the value of your life insurance policy while investing in a tax sheltered investment account.

?

For example, if you have a 100K whole life insurance policy and you put an extra $500 per month in it (the $500 has to be over the premium you already pay), you will grow your cash surrender value account by $6,000 per year + investment returns/losses. This means that after a year, your life insurance policy will be worth $106K (+/- returns/losses).

?

The main advantage of this strategy is that you benefit from a tax free account. Profits earned within your CSV account are not taxable (since the insurance payout upon your death is tax free).

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However, this strategy is also very limiting. You usually have to buy insurance mutual funds which show the highest MERs in the industry (not a good idea) and you can?t really access your money until you pass away. Insurance brokers will tell you that you can access your CSV at any time? but it?s actually a loan that you?ll be taking on the CSV. Meaning that you will pay interest to borrow your own money!

?

My thought on this strategy; use it once you don?t know what to do with your money anymore and that you have maxed out all the other ways to invest!

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Do You Know Other Ways to Use Insurance to Generate Money?

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I?d be curious to know if you have any experiences to share regarding insurance strategies. Here are a few others insurance articles I found interesting in this project:

?

An Overview of the Insurance Sector

Determine Your Life Insurance Needs ? Thx to Excel!

Whole Life Insurance Sucks? And The Reason Why We Have One!

Life Insurance by Age

5 Tricks to Get The Best Term Life Insurance Quotes

You are interested in dividend investing? Check out my Free Dividend Investing eBook and don't forget to sign-up to my RSS Feeds!

Similar posts:

Source: http://www.thedividendguyblog.com/2012/08/22/investing-and-cash-flow-strategies-through-insurance/

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Utah tops U.S. in giving to charity, study says | The Salt Lake Tribune

In this Saturday, Dec. 19, 2009 photo, John Alves, of Dartmouth, Mass., uses a basket while taking collection during Mass at St. John the Baptist Roman Catholic Church in New Bedford, Mass. A study on the generosity of Americans, released Monday, Aug. 20, 2012, by the Chronicle of Philanthropy, found that states with populations that are less religious are also the stingiest about giving money to charity. (AP Photo/Gretchen Ertl)

Utah tops U.S. in giving to charity, study says

Philanthropy ? Less-religious states give less, study shows.

Boston ? Mormon-dominated Utah leads the nation in charitable giving, thanks largely to LDS emphasis on tithing.

In fact, a new study on the generosity of Americans suggests that states with the least-religious residents are also the stingiest about donating to charity.

?

Among other findings:

? People who earn $200,000 per year give a greater percentage to charity when they live in ZIP codes with fewer people who are as wealthy as they are.

? People who earn between $50,000 and $75,000 annually give a higher percentage of their income to charity (7.6 percent) than those who make $100,000 or more (4.2 percent).

The study released Monday by the Chronicle of Philanthropy found that residents in states where religious participation is higher than the rest of the nation gave the greatest percentage of their discretionary income to charity.

A Gallup poll earlier this year ranked Utah as the second-most-religious state, behind Mississippi, and a religion census pegged the Salt Lake City area ? headquarters of The Church of Jesus Christ of Latter-day Saints ? as the nation?s most-religious metropolis.

Mormons are taught to pay 10 percent of their income to the faith. To enter LDS temples and participate in Mormonism?s most sacred rites, members must meet this tithing requirement.

"Any LDS member who is faithful does that," said Valerie Mason, 70, of Mesa, Ariz., during an interview in Salt Lake City. "Some struggle with it. Some leave the church because of it. But we believe in the blessing. ... Tithing does bring the blessing of God?s promise."

The most generous state, according to the latest study, was Utah, where residents gave 10.6 percent of their discretionary income to charity, followed by Mississippi, Alabama, Tennessee and South Carolina.

The least generous was New Hampshire, at 2.5 percent, followed by Maine, Vermont, Massachusetts and Rhode Island.

Churches are among the organizations counted as charities by the study, and some states in the Northeast rank in the top 10 when religious giving is not counted.

The study also found that patterns of charitable giving are colored in political reds and blues.

story continues below

Of the 10 least generous states, nine voted for Democrat Barack Obama for president in the last election. By contrast, of the 10 most generous states, eight voted for Republican John McCain.

But Peter Panepento, the Chronicle?s assistant managing editor, said that political breakdown likely speaks to a state?s religious makeup, not its prevailing political views. He noted the lowest-ranked Democrat states were also among the least religious, while the top-ranked Republican states were among the more religious.

"I don?t know if I could go out and say it?s a complete Republican-Democrat difference as much as it is different religious attitudes and culture in these states," he said.

The study was based on Internal Revenue Service records of people who itemized deductions in 2008, the most recent year statistics were available.

By focusing on the percentage given to charity from discretionary income ? the money left over after necessities are paid for ? the study aimed to remove variables such as the differing costs of living around the country, Panepento said. The data allowed researchers to detail charitable giving down to the ZIP code.

In Boston, semi-retired carpenter Stephen Cremins said the traditional New England ideal of self-sufficiency might explain the lower giving, particularly during tight times when people have less to spare.

"Charity begins at home," Cremins said. "I?m a big believer of that, you know, you have to take care of yourself before you can help others."

Next Page >

Copyright 2012 The Salt Lake Tribune. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://www.sltrib.com/sltrib/news/54728309-78/religious-states-charity-giving.html.csp

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burberry jacket Management Advise for Supervisors | Backlinkarticles

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Source: http://www.backlinkarticles.com/hobbies/burberry-jacket-management-advise-for-supervisors.html

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Special Cover Letter Considerations For Academics ?

Cover letters for lecturers need to emphasise qualifications as well as attitude. Training professionals need to come back into the field with an angle of service coupled with a commitment to excellence and a desire to work closely with students. It should mirror all of those points, as ought to resumes for lecturers, and every other self marketing materials used by training professionals.

When writing one for lecturers most professional resume writers and job counselors take into consideration the specific wants of the college or school system being utilized to. Cover letters for lecturers are learn by the varsity superintendent, principal, HR director and different schooling professionals. Additionally in some faculty methods cover letters for teachers are prepared by members of the school board. Since teachers are there to instruct and educate young minds it must be particularly properly written, freed from spelling and grammatical errors. Quality printing is essential, as is nice quality paper which matches the resume and reference sheet. Cover letters for lecturers, followed by resumes for academics, are the primary impressions fabricated from the teachers to their potential new employers, and have to be free of error. It also should emphasize the fact that the teacher is knowledgeable, with academic qualifications in the area in addition to experience, if applicable.

Educating is a career that almost all enter into for love of studying and a desire to form future generations. Most teachers should not all for making a lot of money or they might be in one other line of work. Sure, they should make a decent dwelling, but instructing will not be a ?get wealthy? profession. Cowl letters for teachers should also emphasize that fact: that the potential trainer is a talented and skilled skilled with a want to shape the longer term by teaching students ? whatever the age ? the designated topic, in addition to vital and analytical pondering skills they?ll use later in life.

Cover letters for teachers should say rather a lot, but they need to nonetheless adhere to basic cowl letter writing guidelines and be as transient as possible. It can be written in a normal blocked paragraph kind, or in a bulleted form. Both types are good, and when making ready cover letters for lecturers personal choice of style and format must be considered, in addition to the audience. Administrators resembling school superintendents and principals are most likely better reached with the bulleted form, while faculty board members are usually neighborhood members from other professions, and the more traditional paragraphed format might be a better option if they are the intended readers.

When concerned in a job hunt, teachers should spend sufficient time on cover letters, because it introduces the resume and makes it extra prone to be read. It should be effectively written, to current the trainer in the very best light possible.

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Source: http://all-articles-directory.com/special-cover-letter-considerations-for-academics-2/

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Carlson travel and hospitality names new CEO

MINNEAPOLIS (AP) ? Global hospitality and travel company Carlson on Sunday said president and CEO Hubert Joly resigned and named Trudy Rautio as its new president and CEO, making her just the fifth chief executive in the 74-year history of the family owned company whose brands include Radisson hotels, T.G.I. Friday's restaurants and Carlson Wagonlit Travel.

Rautio has been a senior executive at Minnetonka-based Carlson for 15 years. For the past eight years, she's been executive vice president and chief financial and administrative officer. She replaces Joly, who had been president and CEO since 2008.

In an interview with The Associated Press, board chair Marilyn Carlson Nelson said Joly, a French citizen, received "an exciting offer at a public company" but declined to name it or say where it's based. She also called Rautio "an obvious choice" to succeed him.

"Trudy is highly respected. She's probably the most effective go-to person in the company," Nelson said.

Joly was not asked to leave, Nelson said.

"Hubert made a significant difference," she said. "He was the first nonfamily CEO (of Carlson). He took over in 2008, which was the beginning of a very difficult financial time, so we are very grateful for his stewarding the company through difficult times."

Carlson, formerly named Carlson Companies, operates in more than 150 countries, with more than 1,300 hotels and more than 900 restaurants. Its brands employ more than 170,000 people. Its hotels include Radisson Hotels & Resorts, Country Inns & Suites by Carlson, Regent Hotels & Resorts, Park Plaza Hotels & Resorts and Park Inn. The company reported $38 billion in system-wide revenues in 2011, up 13 percent from 2010, and $4.5 billion in company revenue, sales that show up on its own financial statements, up $4.5 billion from 2010.

Rautio played an important role in developing Carlson's "Ambition 2015" five-year strategy for growing the company's market share in each of its business lines despite the flat global market, Nelson said. She said the company sees Rautio as someone who can not only execute the current plan but lead the company beyond 2015.

"We feel that we won't miss a beat. ... She has the understanding of our business models and our competitors that will allow her to lead our team in developing the subsequent five-year plan," Nelson said.

Rautio, a graduate of Bemidji State University with an MBA from the University of St. Thomas in the Twin Cities, becomes Carlson's second female president and chief executive. Nelson was the first. Her father, Curtis L. Carlson, founded the company as the Gold Bond trading stamp company and grew it into a global conglomerate.

Source: http://news.yahoo.com/carlson-travel-hospitality-names-ceo-230057021--finance.html

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Microsoft?s marrriage and divorce with ?Metro? UI

Microsoft has been in the news off late for readying Windows 8, it latest Windows operating system, for commercial availability. It is now already available for TechNet?and MSDN subscribers. In other parts of news, it?s been?criticized for its failed attempt to brand the Windows 8 UI as ?Metro? ? first doing so and then?later reversing its decision, thus banning the usage of the word ?Metro? almost everywhere.

Windows 8 comes with a brand new and refreshing look from its predecessors and Microsoft proudly wore it on their sleeves as the ?Metro UI?, where the trademark Start button was made to disappear, making way for an intuitive user interface loaded with Metro Apps and the ability to interact with users in a dynamic way. It got its share of praise and brick bats,?but one thing was for sure; it indeed was a refreshing change from the UI of its previous versions. Metro look, Metro UI, Metro style were few of the synonyms that users fondly referred to.

However, one fine day, Microsoft issued a statement directing users and developers?to NOT use the word ?Metro? anywhere with respect to Windows 8 and Windows Phone. This came as a shocker after the hugely publicized usage of the word ?Metro? in commercials, conferences, launches, official guides and in the beta versions of respective operating systems. The reason for making this strange decision is credited with the fact that Microsoft did not want to run in to copyright legal tangles with an European company, Metro Group -?after having a detailed discussion with the latter over the matter.

Users are now advised to use ?Modern UI? or simply ?Windows 8 UI? when referring to the ?Metro UI? but it just?doesn?t?make sense at all. This strange reversal in decision?is costing Microsoft big time, in terms of loss of image?and will hurt developers the most.

Microsoft has now banned all such apps from its Windows 8 App Store and the Windows Phone Marketplace which have the word ?Metro? as a part of their name. New submitted apps with the ?Metro? word in them are outright rejected. Developers of existing popular apps like MetroTwit now face the dilemma of either bringing it down or renaming the app, in due course of time.

Microsoft should have carefully weighed all these factors, issues and precautions much before going out and publicizing the new ?Metro UI? on huge billboards at Times Square. It should have investigated about the naming convention issue much before the word ?Metro? became a brand and synonymous with Windows Phone or Windows 8. Where did the lapse occur?

As for now, the word has vanished from official guides, websites and blogs etc. but every time I walk down in to the nearby station with those arrows-inside-circles signs on arrival/departure boards, it?ll always remind me of Windows 8 and its ?Metro UI?.

If you have liked this post, you might want to check out some more, on topics like Metro, Microsoft, Windows 8.

Source: http://www.thewindowsclub.com/microsoft-marrriage-divorce-metro-ui?utm_source=rss&utm_medium=rss&utm_campaign=microsoft-marrriage-divorce-metro-ui

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User:WoodardErb877 - Kent Adventure Gaming Society Wiki

From Kent Adventure Gaming Society Wiki

There were progressively more online users these days as well as SMS is becoming quite popular that it is hard to find anyone who has a cell phone and does not use SMS to convey making use of their friends and family or perhaps use it for business objective. There are whole lot of Text gateway companies that makes it that much easier to send Online Text. Many people are usually connected onto the personal computer they think it is safer to deliver an internet Text from other pc compared to using their cell phones. Social network sites have got addicted individuals on to their own computer all the time related site in any other case they may be exploring the internet. It's simpler as well as cheaper to transmit SMS from personal computer as compared to from your mobile phone with there being internet sites that let you send Text for free.

An execllent benefit of online SMS is always to promote services applying this free support. Online Text message is excellent as you grow to be able to type in the message out of your personal computer which can be delivered in your cell phone. You're probably to see the actual messages that come in your get the facts cellular phone inbox compared to your e-mail mailbox. People are achieved positive results simply because they prefer to receive a message as opposed to a contact. A growing number of businesses are using mobile marketing and advertising to supply their goods and also services towards the masses. It is simpler and cost successful for that organizations to utilize cell marketing and advertising compared to using other methods of marketing.

There are lots of rewards for on the internet Text, the most notable 1 getting the fee part. Many of these online SMS solutions are free as well as the just point you would need to carry out is to register oneself in their web site to begin enjoying the services. Choosing preserving a lot of money which you devote to cellular phone bills. Text message that you send out coming from personal computer is very fast and will also be delivered in the exact same velocity in which as you grow from your mobile phone. It's really simpler to type communications on a greater keyboard of the computer than typing on a cellular phone.

You can deliver message in order to multiple folks at the same time through mailing On the web SMS which is simpler if you have to send out an extended concept. Mass Text will be the current pattern within marketing and advertising and it is shown to be impressive. You may create numerous categories of your visitors, could be you want to send out an alternative sort of message, may be desire to offer you a lot more discounts for your own really devoted consumers, as well as normal reduced prices for other customers. You could have 2 kinds of emails ready as well as send out that to two different teams. There aren't any constraints about how numerous communications you are able to deliver each day or even few days and also there isn't any constraint how many individuals you can send out at the same time. The only limitation is about the concept duration that is constrained from your cell service provider. It is possible to send the identical length while you send from your mobile phone. Basically enjoy check this out unlimited SMS from the personal computer without any limitation.

Source: http://wiki.adventuregaming.co.uk/index.php/User%3AWoodardErb877

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Video: Trae The Truth ft. Z-Ro, Kirko Bangz, Bun B, Slim Thug & Paul Wall ? Im From Texas

tAjh Says:
August 19th, 2012 at 4:53 pm

duct taping your fam, ?Destiny? lays in my hands?.

^ never peeped this shot at Nas before? I am alone in this?

^

I just heard Victory the other day and I was thinking that. never noticed it before

Harlem World Says:
August 19th, 2012 at 5:11 pm

Track is nice, Texas stays making moves.

Cosign Paul Wall, the greatest white rapper of all time

LF: Slim Thug?s voice sounds permanently chopped and screwed (ll)

Cypher Says:
August 19th, 2012 at 5:21 pm

co-sign the co-sign

Paul Wall > Em

not even close?

@ Harlem.. you mean Trae instead of Slim, right?

Harlem World Says:
August 19th, 2012 at 5:22 pm

Charles Hamilton done lost his mind, cot damn!

Harlem World Says:
August 19th, 2012 at 5:26 pm

@ Harlem.. you mean Trae instead of Slim, right?
?????????????????

there is no difference between a chopped x screwed slim thug track

and a regular slim thug track

trae the truth got the ?child molester voice? (c) nahgger

Harlem World Says:
August 19th, 2012 at 5:33 pm

Mannie Fresh: Kanye and Mikkey came through to early Cash Money. And Mikkey was on a couple of features. And I remember Kanye playing some beats and they were beats that was later on Jay-Z?s album, and when he was playing them I was like, ?This dude got something. I don?t know who he is or what he?s doing, but he got something.? But for some reason, Kanye saw something that Mikkey didn?t see. Mikkey ended up staying and signing with Cash Money and Kanye was like, ?Nah, this is not right, I?m bouncing.?

Harlem World Says:
August 19th, 2012 at 5:35 pm

*pours out a lil Gatorade for TS1900 & B Sinatra*

Harlem World Says:
August 19th, 2012 at 5:40 pm

Ommas Keith is that dude musically

Harlem World Says:
August 19th, 2012 at 5:45 pm

chad hugo appreciation day, no homo

Jackson7 Says:
August 19th, 2012 at 5:55 pm

word tho..

*pours out a little ice mountain water for CLR & Sunroom Ben*

AmpGeez a.k.a. Amphernee Hardaway Says:
August 19th, 2012 at 5:57 pm

Ommas Keith is that dude musically
^^^

Yup.

Sa-Ra tho >>>>

Jackson7 Says:
August 19th, 2012 at 5:58 pm

parks in Minneapolis >>>>>>>>>>>>>>>>>

AmpGeez a.k.a. Amphernee Hardaway Says:
August 19th, 2012 at 6:00 pm

Whorehouses in Corona, Queens >>>>>>>>>>>

hl Says:
August 19th, 2012 at 6:02 pm

AmpGeez a.k.a. Amphernee Hardaway Says:

Whorehouses in Corona, Queens >>>>>>>>>>>

^It?s fun to do bad things.

Jackson7 Says:
August 19th, 2012 at 6:10 pm

i been round some whores but i never been to a actual whoehouse?

must be good times

Harlem World Says:
August 19th, 2012 at 6:10 pm

roffle at chief keef blessing the stages of lollapolooza and rock the bells

hip hop elitists gonna be real pissed off

Shooter Says:
August 19th, 2012 at 6:15 pm

Caught sleepin? out there it be wrap though?

hl Says:
August 19th, 2012 at 6:18 pm

Shooter Says:

Caught sleepin? out there it be wrap though?

^Queensbridge unified all I ask fo?.

Harlem World Says:
August 19th, 2012 at 6:27 pm

salt from salt n pepa gettin smutted out on stage

you got like 5 kids tho!

Harlem World Says:
August 19th, 2012 at 6:35 pm

rock the bells lineup >>>>

Harlem World Says:
August 19th, 2012 at 6:44 pm

dipset
bone thugs
quik
nas
dmx

will most likely do all their classics

then spitta, dom k for some sunshine shit

maybe a surprise dre appearance during kendricks set ?!?!

Harlem World Says:
August 19th, 2012 at 7:05 pm

cosign anything even remotley reminiscent of death row records era

Harlem World Says:
August 19th, 2012 at 7:07 pm

chuck inglish >>>

gramMasta Says:
August 19th, 2012 at 7:15 pm

cosign this song & video

what happn?d to ts1900 & b?

Harlem World Says:
August 19th, 2012 at 7:16 pm

andre 3000 guitar solo on sixteen <<<<<

pretty pointless

Source: http://feedproxy.google.com/~r/nah_right/~3/DWs3v9fAPN8/

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Home-based Business? - Articles. All day, every day.

[unable to retrieve full-text content]Joining a network of other home based business proprietors can be hugely beneficial to your prosperity. Search for other home based business users and develop a system. The individuals don't need to be in an identical ...

Source: http://www.twenty4seven365.com/2012/08/18/home-based-business-start-using-these-ideas-to-help-you-achieve-utmost-earnings/

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joegrav: Hello there EPL! When last we saw you you gave us the greatest sports finish I've ever seen. Whatcha got for us this year?

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/joegrav/statuses/236820805286256640

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Get The Low Down On Commercial Real Estate ... - Overseas Property

It is true that commercial investment tends to be more profitable than residential property investment. Although, finding a good opportunity can be a bit tricky. This article provides a lot of useful information that will make you more knowledgeable of the factors involved in commercial real estate. Learning this information, and following the advice provided, will enable you to make smart and profitable commercial real estate decisions.

Keep in mind the larger the better when thinking of a permanent location for a business. You should purchase commercial property which will accommodate expansion in your business, so that you don?t find yourself having to hunt for a larger space again in just a few years.

When investing in commercial real estate, go bigger. The less units a building has, the easier it will be to lease them all out. Buildings with five units need commercial financing as so do the bigger buildings, and you pay less per unit for a larger building.

Keep your center of attention on one investment property at a time. Whether you?d like to get involved in investing in commercial property, renting apartments or some other type of commercial investment, do yourself a favor, and choose just one investment to focus on. Learn more about all the different types of investment to make good decisions. It is always more advantageous to be great at one thing than sub-par with many.

A commercial loan usually requires a higher down payment when compared to a residential loan. It is in your best interest to search for the most trustworthy lenders and locate the best possible investments.

You can save money on repair costs while cleaning up the property. Cleanup costs can be your responsibility if you have a controlling interest in a real estate property. It can cost a fortune to clean the environment and dispose of waste. Try to get an environmental report from any environmental assessment companies. These assessments can cost some money, but they pale in comparison to the savings of avoiding a contaminated property on your hands.

One of the most important things you should be aware of is emergency maintenance. Ask the landlord who handles emergency repairs in your office or building. Always keep this important contact information at hand, including average turnaround times. Make an emergency plan once you have this information. If a flood, fire or break-in interrupts your normal business day, you need to have a plan in place so that you can re-open as soon as possible.

The relationship you forge with private lenders and investors when purchasing commercial property is tremendously important. Some properties are sold from one person to the other without being listed. Having a good network is the best way to find the best deals.

If you are considering purchasing a piece of property, be sure to investigate what the area?s unemployment rates, income levels and average property values are. If you?re looking at a property that?s close to things like a university, employment centers, or a hospital, they?re likely to sell fast, and at a high value.

Before buying a commercial property, research its net operating income to make sure you don?t lose money. For the investment to be profitable, it has to produce more income than operating expenses.

Learn how each real estate broker intends to get you the best price before settling on one. Find out about their experience and training. Also make sure they?re ethical when doing business and can get you the best deals. Inquire if they can provide any documentation exampling their previous negotiations, both ones successful and otherwise.

Now you have the basic tools of real estate investment. Be flexible and smart when you are trying to get into the real estate market. This will help you find the good opportunities, and make the most out of your time, efforts and

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