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    Should I File a Chapter 13 Wage Earner Plan, or Try Other Bankruptcy Alternatives?
    Whether or not you should file a Chapter 13 Wage Earner Plan depends on your situation. First, you must determine if you qualify for Chapter 13. (Because a Chapter 13 bankruptcy is paid for out of the wages you earn each month, Chapter 13 is also known as a Wage Earner Plan).For individuals in the United States, there are two basic forms of personal bankruptcy. Chapter 7 bankruptcy, also known as a liquidation bankruptcy, discharges your debts in a relatively short period of time.Since new federal bankruptcy rules became law on October 17, 2005, anyone whose gross income is higher than the median income for their state is required to file bankruptcy under Chapter 13, instead of under Chapter 7. Therefore, if your income is higher than the median income for your area, the choice is made for you: you must file under Chapter 13.Second, you should compare a Chapter 13 Wage Earner Plan with your other alternatives to straight Chapter 7 bankruptcy. Since a Chapter 13 plan will typically last for five years, you should explore any options that can be completed in less than five years. For example, if you can get a debt consolidation loan and repay it in three years, a debt consolidation loan is probably a better option for you than a five year Chapter 13 Wage Earner Plan.If you don’t qualify for a debt consolidation loan, but you want to avoid the court process, and can afford to pay your debts in full over a three to five year period, credit counseling may also be an option.Finally, you may be able to cut your expenses and repay your debts yourself.The court process is never fun, and you will want an attorney's assistance, which will increase the cost, so only choose a Chapter 13 plan if it is the best option for you.A Chapter 13 Wage Earner Plan is designed to give you a fresh start, so review your options and decide which course of ac
    history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to

    Before You Forward Me That Cute Chain Email...
    Internet hoaxes have been around for a long as there has been an Internet. Many of them are circulated as part of Internet "chain letters," often containing the hoax story, a promise of good fortune if you follow the instructions and a threat of bad fortune if you don't.These are most often circulated by friends to other friends. Why would we want to threaten our friends? Seems like bad form to me. I don't like being threatened. So stop it. Don't send me ANYTHING that contains a threat like "if you delete this, you'll have three years bad luck." I already had the bad luck - I read the email because you are my friend.The promise and the threat are designed to emotionally manipulate the recipient into perpetuating the chain. Again, why would we want to manipulate those who are our friends? If we wanted to perpetuate an Internet hoax, wouldn't it be better to manipulate and threaten our enemies?We all love to share inspirational stories with our friends and associates - and we should. The problem with perpetuating hoaxes on our friends is that we risk losing credibility.Wouldn't it be better if we took a moment to check out these things before we send them on? Why risk losing credibility with people we care about? Most of these hoaxes have been kicking around so long that many people who receive them instantly recognize them as fakes. They probably looked them up two or three years ago and discovered their dodgy origins.It used to be a bit more difficult to perpetuate a chain letter. You had to go make copies, write out envelopes, pay for postage and stick them in the mailbox in order to send them on. Now, it just takes a click of the "forward" button to perhaps make a fool of yourself in an instant.It only takes a minute to check out an Internet chain letter. There are two well-known sources. They are Snopes.com and Hoaxbusters at hoaxbusters.ciac.org. Both have simple and useful search capabilities. Check before you hit the forward button.How do you recognize an Inter
    Surely, Not All Evils!

    (circa 2000)

    St. Paul wrote a letter to a young Christian, and said that the root of all evil is the love of money. (I Timothy 6:10) This is an amazing claim.

    Perhaps too much love for too much money we could go along with, or perhaps we could agree that it is the cause of some evils... maybe even a lot of evils. But to just come right out and say that all love for any amount of money is the cause of all evils is a bit much for most people to take.

    You only need to quote the verse as it is written, to get a reaction from the average churchgoer. Try it, and see if they don't say something like, "It's the love of money, mind you, not money itself." They then go on to tell you how they know of a lot of rich people who have accomplished a lot for God.

    What is happening when they respond like this? Let's change the issue slightly to make it clearer. Suppose someone says that drug addiction is ruining Western society, and a reaction comes back, stating that it's not the drugs themselves, but addiction that is the problem. Suppose they go on to inform you that they know of many people who take drugs regularly, but that they are confident that these friends are not addicted, and that taking drugs does not affect their ability to live a happy, normal life. Why do you suppose the person would react in such a way? There is a line from Shakespeare which says, "Me thinks thou dost protest too much." In other words, when someone feels heavily convicted by the truth in a statement, they tend to overreact, and this overreaction (or "protesting" too much) actually gives away their guilt.

    Modern Bible translators have had a problem with this verse, because they know it is offensive to most church people. The King James Version faithfully expresses the thought of the passage. The original Greek does say that greed is the source of all evils. So how could the translators soften it and still avoid being accused of distorting the original message? The Bible Society came up with an ingenious solution for the Today's English Version. They wrote: "The love of money is a source of all kinds of evil." Apart from the dishonest use of the word "a", they have technically used the word "all". The problem is that they have used it in a phrase which has an idiomatic meaning that is rarely taken literally. "All kinds of" just means "lots". It does not mean "all" at all.

    Surely, if greed is the root cause of all other evils, then it should be the fundamental target of any campaign to bring righteousness to the world. It stands to reason that if we could rid the world of the root of all evil, then the eventual consequence would be a world without any evil in it at all. But where is the church, denomination, or religion that is waging such a campaign against greed? The truth is that the entire topic of greed, and especially greedy people (presumably the rich) get very light treatment from religions everywhere.

    But let us start by taking the more popular approach to this passage, which is that for one reason or another, Paul never intended to say what he is recorded as having said in I Timothy 6:10. Let us assume that the love of money (while harmful if overdone) isn't all that bad, and certainly is not the cause of all the problems in the world. Let us assume that the I Timothy 6:10 passage slipped into the Bible by mistake, or that it was placed there by an overzealous monk in the very early days of the church.

    If that is so, then we would expect the subject to be dropped. We should not be bothered by other passages promoting such an extreme teaching. We would certainly not find Jesus or the apostles teaching such nonsense. The battle between good and evil for them would be more of one between God and the devil, perhaps with something like pride or a lust for power (and not greed) being the real source of evil in the world.

    In the gospels, Jesus tells us that we have a choice between good and evil, and we cannot "serve" both "masters". The picture is that of an employee, or servant, trying to work for two employers or bosses at the same time.

    Presumably one employer would be God, and the other would be the Devil. Right? But no, that is not how Jesus describes them. He does say that one employer is God, but he says that the other employer is (wait for it) money, or "mammon" (mammon is a term for money which also includes the material things that money can buy). Jesus says that we cannot work for God and work for money at the same time. (Matthew 6:24, and Luke 16:13) How amazing! He goes on to say that we are going to end up despising or hating one employer or the other. Between this approach and the one taken by Paul, there is no room left for a person to be neutral, either with regard to God or with regard to money. We are going to end up loving one and hating the other. It's not a matter of loving one just a little bit more than the other, but rather a matter of putting them on opposite ends of the spectrum.

    One is going to be our god, and the other is going to be our worst enemy. We must choose.

    It is consistent with the picture of one employee trying to work for two employers at the same time. The employee is obviously going to have to cheat one employer in order to turn up at work for the other. His or her "hate" for the cheated employer will take the form of trying to rip off wages for something that he or she is not entitled to.

    Could it be that many religious people are trying to rip off, or claim something from God (eternal life) when they are not really entitled to it? The immediate argument that we face with regard to such a question is the widespread belief amongst professing Christians that we do not have to do anything to be entitled to eternal life. Salvation, they say, is our "right"; we're entitled to it, whether or not we ever turn up for work.

    But this is totally false. When questioned more closely, they will all admit that salvation only comes through faith. And almost all of them will say that this faith must be placed in Jesus Christ. So how much faith do they have in what Jesus has said about working for God in preference to working for money? For that matter, how much faith do they have in anything that Jesus instructed his followers to do?

    Jesus said that unless we stop working for mammon, or material wealth (John 6:27) and start working for him (Matthew 11:29) we will be regarded as an employee who has tried to rip off the most powerful Employer in the Universe. He said to stop worrying about food and clothes, and how we are going to get them (Matthew 6:25-33), and seek first to build God's multinational kingdom of love instead. He said that, if we will do that, God himself will take care of our material needs. He said that we should forsake all of our material wealth if we want to be one of his disciples. (Luke 14:33)

    So what has the church done with these and other specific instructions about challenging the root of all evil? They have told us that all of these teachings of Jesus and Paul mean little more than that we should try to moderate our greed. It's okay to spend your life making money if you are doing it for your family, and if you don't engage in anything immoral or illegal to do so, and if you make a point of giving a percentage of it to the church. "Forsaking" wealth, they say, just means sharing a bit of it with the right people from time to time.

    There is a kind of mythical image in the churches of an incredibly greedy person who swims in pools full of diamonds and rubs money all over himself or herself as an act of worship. Church people know that they should not want to be like that person.

    On the other hand, is there a record anywhere in the history of the entire institutional church (of all denominations) of anyone ever being excommunicated because of being too greedy?

    The truth is that absolutely any excess of greed can be tolerated by any church in the world. As long as you don't break a short list of other rules, you can swim in all the diamonds you like, and just between you and me, the more diamonds you have, the more profusely they will welcome you! It is precisely because of this unwillingness to forsake wealth and to attack greed, that the church has been largely ineffectual in saving the world. Love of money in the world has caused wars, exploited the poor, led to drug trafficking, corrupted politicians, and much more. And love of money in the church has made the church virtually useless in changing present trends away from God. Daily, the world grows richer materially, but it also grows daily more and more destitute spiritually.

    In the middle of the Sermon on the Mount, and in the middle of his discourse on greed, Jesus said, "The eyes are like a lamp for the body. If your eyes are clear, your whole body will be full of light; but if your eyes are bad, your body will be in darkness. So if the light in you turns out to be darkness, how terribly dark it will be!" (Matthew 6:22-23, TEV) In other words, if the church, and individual Christians cannot get it clear with regard to his teachings on money, then Jesus is saying that they will not only be useless, but they will be seen as contributors to the "terrible darkness" that the world is in today.

    I have found that this teaching on money is the key to understanding all of life. It is in this same chapter that Jesus makes reference to King Solomon, who was believed to have been the wisest person on earth when he was alive.

    Jesus says that Solomon, with all his riches, was not clothed as beautifully as God has clothed the flowers of the fields.

    In another place (Matthew 12:42) he refers to a story that is recorded in the tenth chapter of I Kings, when he says that the Queen of Sheba travelled halfway around the world to hear the wisdom of Solomon, and yet "one greater than Solomon is here". There is, in accepting this teaching of Jesus about money, the key to discovering wisdom that Solomon barely scratched the surface of.

    The final book of the Bible continues with the theme of good and evil. It describes evil as a Prostitute (Revelation 17:5) and good as a Bride (Revelation 19:7). Both women give what our modern society has come to call "love", but one does it freely, while the other does it for money.

    Artists commonly refer to "prostituting" themselves if they let greed influence their work. And each of us does the same thing when we use the life and gifts that God has given us, to make money rather than using it to freely share him and his message of faith and love with the rest of the world.

    The Prostitute is given a name. She is called "Babylon". The name symbolises all of the worldly empires of human history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to g

    How to Open an Account for Online Banking
    We live in an era where our lives move at a fast pace. Computers are everywhere, and many business transactions can be conducted via a few keystrokes. Many people have taken advantage of online banking, the most convenient, easiest way to pay the bills, shop online, and manage your finances. Have you not yet tapped into this technical goldmine? It’s easy to open an account for online banking.If you want to open an online bank account, here are some steps that you might find to be useful, either if you want to open an account online or in person. It will only take a few minutes to set up your account. First, you need to choose your bank. If you already have a physical bank account, you’re one step ahead of the game and can bank online via your current account. If not, you have some choices to make. Decide if you want a checking, savings, or money market account. Decide if you’d like to bank with a particular bank or a credit union.You must also find out which bank has the features that suit your needs. In case you have found one, open an online bank account with them. The second step is going to the bank personally or online. In opening an account online, search for the bank’s website using your browser, the fastest way to locate your branch online. It’s easiest to sign up online rather than in person, and the best news is that you can do this from the comforts of home, at a time that is convenient to you.But if you would prefer to open a bank account personally, you might as well visit your chosen bank anytime during business hours. The next step is to choose the features that you want. Most banks have a variety of account types, services, and features that you can mix and match. These features may have fancy names that you should learn. Choose the bank that has the right mix of features that suits you.On the bank’s website, you have to pick from the features that are right for you; you might click on “Open Bank Account” then click on “Checking” and the “Free Checking”. If yo
    without any evil in it at all. But where is the church, denomination, or religion that is waging such a campaign against greed? The truth is that the entire topic of greed, and especially greedy people (presumably the rich) get very light treatment from religions everywhere.

    But let us start by taking the more popular approach to this passage, which is that for one reason or another, Paul never intended to say what he is recorded as having said in I Timothy 6:10. Let us assume that the love of money (while harmful if overdone) isn't all that bad, and certainly is not the cause of all the problems in the world. Let us assume that the I Timothy 6:10 passage slipped into the Bible by mistake, or that it was placed there by an overzealous monk in the very early days of the church.

    If that is so, then we would expect the subject to be dropped. We should not be bothered by other passages promoting such an extreme teaching. We would certainly not find Jesus or the apostles teaching such nonsense. The battle between good and evil for them would be more of one between God and the devil, perhaps with something like pride or a lust for power (and not greed) being the real source of evil in the world.

    In the gospels, Jesus tells us that we have a choice between good and evil, and we cannot "serve" both "masters". The picture is that of an employee, or servant, trying to work for two employers or bosses at the same time.

    Presumably one employer would be God, and the other would be the Devil. Right? But no, that is not how Jesus describes them. He does say that one employer is God, but he says that the other employer is (wait for it) money, or "mammon" (mammon is a term for money which also includes the material things that money can buy). Jesus says that we cannot work for God and work for money at the same time. (Matthew 6:24, and Luke 16:13) How amazing! He goes on to say that we are going to end up despising or hating one employer or the other. Between this approach and the one taken by Paul, there is no room left for a person to be neutral, either with regard to God or with regard to money. We are going to end up loving one and hating the other. It's not a matter of loving one just a little bit more than the other, but rather a matter of putting them on opposite ends of the spectrum.

    One is going to be our god, and the other is going to be our worst enemy. We must choose.

    It is consistent with the picture of one employee trying to work for two employers at the same time. The employee is obviously going to have to cheat one employer in order to turn up at work for the other. His or her "hate" for the cheated employer will take the form of trying to rip off wages for something that he or she is not entitled to.

    Could it be that many religious people are trying to rip off, or claim something from God (eternal life) when they are not really entitled to it? The immediate argument that we face with regard to such a question is the widespread belief amongst professing Christians that we do not have to do anything to be entitled to eternal life. Salvation, they say, is our "right"; we're entitled to it, whether or not we ever turn up for work.

    But this is totally false. When questioned more closely, they will all admit that salvation only comes through faith. And almost all of them will say that this faith must be placed in Jesus Christ. So how much faith do they have in what Jesus has said about working for God in preference to working for money? For that matter, how much faith do they have in anything that Jesus instructed his followers to do?

    Jesus said that unless we stop working for mammon, or material wealth (John 6:27) and start working for him (Matthew 11:29) we will be regarded as an employee who has tried to rip off the most powerful Employer in the Universe. He said to stop worrying about food and clothes, and how we are going to get them (Matthew 6:25-33), and seek first to build God's multinational kingdom of love instead. He said that, if we will do that, God himself will take care of our material needs. He said that we should forsake all of our material wealth if we want to be one of his disciples. (Luke 14:33)

    So what has the church done with these and other specific instructions about challenging the root of all evil? They have told us that all of these teachings of Jesus and Paul mean little more than that we should try to moderate our greed. It's okay to spend your life making money if you are doing it for your family, and if you don't engage in anything immoral or illegal to do so, and if you make a point of giving a percentage of it to the church. "Forsaking" wealth, they say, just means sharing a bit of it with the right people from time to time.

    There is a kind of mythical image in the churches of an incredibly greedy person who swims in pools full of diamonds and rubs money all over himself or herself as an act of worship. Church people know that they should not want to be like that person.

    On the other hand, is there a record anywhere in the history of the entire institutional church (of all denominations) of anyone ever being excommunicated because of being too greedy?

    The truth is that absolutely any excess of greed can be tolerated by any church in the world. As long as you don't break a short list of other rules, you can swim in all the diamonds you like, and just between you and me, the more diamonds you have, the more profusely they will welcome you! It is precisely because of this unwillingness to forsake wealth and to attack greed, that the church has been largely ineffectual in saving the world. Love of money in the world has caused wars, exploited the poor, led to drug trafficking, corrupted politicians, and much more. And love of money in the church has made the church virtually useless in changing present trends away from God. Daily, the world grows richer materially, but it also grows daily more and more destitute spiritually.

    In the middle of the Sermon on the Mount, and in the middle of his discourse on greed, Jesus said, "The eyes are like a lamp for the body. If your eyes are clear, your whole body will be full of light; but if your eyes are bad, your body will be in darkness. So if the light in you turns out to be darkness, how terribly dark it will be!" (Matthew 6:22-23, TEV) In other words, if the church, and individual Christians cannot get it clear with regard to his teachings on money, then Jesus is saying that they will not only be useless, but they will be seen as contributors to the "terrible darkness" that the world is in today.

    I have found that this teaching on money is the key to understanding all of life. It is in this same chapter that Jesus makes reference to King Solomon, who was believed to have been the wisest person on earth when he was alive.

    Jesus says that Solomon, with all his riches, was not clothed as beautifully as God has clothed the flowers of the fields.

    In another place (Matthew 12:42) he refers to a story that is recorded in the tenth chapter of I Kings, when he says that the Queen of Sheba travelled halfway around the world to hear the wisdom of Solomon, and yet "one greater than Solomon is here". There is, in accepting this teaching of Jesus about money, the key to discovering wisdom that Solomon barely scratched the surface of.

    The final book of the Bible continues with the theme of good and evil. It describes evil as a Prostitute (Revelation 17:5) and good as a Bride (Revelation 19:7). Both women give what our modern society has come to call "love", but one does it freely, while the other does it for money.

    Artists commonly refer to "prostituting" themselves if they let greed influence their work. And each of us does the same thing when we use the life and gifts that God has given us, to make money rather than using it to freely share him and his message of faith and love with the rest of the world.

    The Prostitute is given a name. She is called "Babylon". The name symbolises all of the worldly empires of human history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to

    Broadband Internet Access; What is in It for You?
    The Internet is the vogue of the day and the wave of the future. So much has been seen and heard about the Internet. It has revolutionized almost every part of our existence, from the way we think to how we buy and sell things. But even with all the technology that has gone into the making of the Internet, there seems to be more to be expected than has been seen.The Internet is like a cyber library. It is a huge international network of computers with tons and tons of information. The means of accessing the information contained in the Internet varies. The earliest Internet access was the Dial up method.The Dial-up Internet connection involves an Internet access over a public switch telephone network. With the dial-up connection, users in a neighborhood share the available bandwidth provided by single cable line. The connection speed usually varies depending on how many people are using the service at any particular time.More advancement in technology gave birth to the Broadband Internet connection option. Broadband is a high-speed transmission. It is used to refer to Internet access, which uses cable modems or DSL (Digital Subscriber Line). Broadband DSL connections are faster and more effective compared to dial-up connections.The Broadband technology can support a wide range of frequencies. Broadband in general refers to data transmission where multiple pieces of data are sent simultaneously to increase the effective rate of transmission.The medium through which the broadband technology is based has the ability to transmit multiple pieces of data simultaneously and to carry signals from different network carriers. This is done through fiber-optic cables. The fiber-optic cables are made of thin glass strands and have the capacity of transmitting trillions of bits per second.The broadband, therefore makes access to the internet faster and more efficient. Because of the high-speed transmission, retrieving information from the internet has become really fast an
    trying to rip off wages for something that he or she is not entitled to.

    Could it be that many religious people are trying to rip off, or claim something from God (eternal life) when they are not really entitled to it? The immediate argument that we face with regard to such a question is the widespread belief amongst professing Christians that we do not have to do anything to be entitled to eternal life. Salvation, they say, is our "right"; we're entitled to it, whether or not we ever turn up for work.

    But this is totally false. When questioned more closely, they will all admit that salvation only comes through faith. And almost all of them will say that this faith must be placed in Jesus Christ. So how much faith do they have in what Jesus has said about working for God in preference to working for money? For that matter, how much faith do they have in anything that Jesus instructed his followers to do?

    Jesus said that unless we stop working for mammon, or material wealth (John 6:27) and start working for him (Matthew 11:29) we will be regarded as an employee who has tried to rip off the most powerful Employer in the Universe. He said to stop worrying about food and clothes, and how we are going to get them (Matthew 6:25-33), and seek first to build God's multinational kingdom of love instead. He said that, if we will do that, God himself will take care of our material needs. He said that we should forsake all of our material wealth if we want to be one of his disciples. (Luke 14:33)

    So what has the church done with these and other specific instructions about challenging the root of all evil? They have told us that all of these teachings of Jesus and Paul mean little more than that we should try to moderate our greed. It's okay to spend your life making money if you are doing it for your family, and if you don't engage in anything immoral or illegal to do so, and if you make a point of giving a percentage of it to the church. "Forsaking" wealth, they say, just means sharing a bit of it with the right people from time to time.

    There is a kind of mythical image in the churches of an incredibly greedy person who swims in pools full of diamonds and rubs money all over himself or herself as an act of worship. Church people know that they should not want to be like that person.

    On the other hand, is there a record anywhere in the history of the entire institutional church (of all denominations) of anyone ever being excommunicated because of being too greedy?

    The truth is that absolutely any excess of greed can be tolerated by any church in the world. As long as you don't break a short list of other rules, you can swim in all the diamonds you like, and just between you and me, the more diamonds you have, the more profusely they will welcome you! It is precisely because of this unwillingness to forsake wealth and to attack greed, that the church has been largely ineffectual in saving the world. Love of money in the world has caused wars, exploited the poor, led to drug trafficking, corrupted politicians, and much more. And love of money in the church has made the church virtually useless in changing present trends away from God. Daily, the world grows richer materially, but it also grows daily more and more destitute spiritually.

    In the middle of the Sermon on the Mount, and in the middle of his discourse on greed, Jesus said, "The eyes are like a lamp for the body. If your eyes are clear, your whole body will be full of light; but if your eyes are bad, your body will be in darkness. So if the light in you turns out to be darkness, how terribly dark it will be!" (Matthew 6:22-23, TEV) In other words, if the church, and individual Christians cannot get it clear with regard to his teachings on money, then Jesus is saying that they will not only be useless, but they will be seen as contributors to the "terrible darkness" that the world is in today.

    I have found that this teaching on money is the key to understanding all of life. It is in this same chapter that Jesus makes reference to King Solomon, who was believed to have been the wisest person on earth when he was alive.

    Jesus says that Solomon, with all his riches, was not clothed as beautifully as God has clothed the flowers of the fields.

    In another place (Matthew 12:42) he refers to a story that is recorded in the tenth chapter of I Kings, when he says that the Queen of Sheba travelled halfway around the world to hear the wisdom of Solomon, and yet "one greater than Solomon is here". There is, in accepting this teaching of Jesus about money, the key to discovering wisdom that Solomon barely scratched the surface of.

    The final book of the Bible continues with the theme of good and evil. It describes evil as a Prostitute (Revelation 17:5) and good as a Bride (Revelation 19:7). Both women give what our modern society has come to call "love", but one does it freely, while the other does it for money.

    Artists commonly refer to "prostituting" themselves if they let greed influence their work. And each of us does the same thing when we use the life and gifts that God has given us, to make money rather than using it to freely share him and his message of faith and love with the rest of the world.

    The Prostitute is given a name. She is called "Babylon". The name symbolises all of the worldly empires of human history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to

    Why Not Juice-Up Your PR?
    Say, from tactics like special events, brochures and press releases to a public relations effort more in keeping with the challenges you face as a business, non-profit or association manager?I speak of public relations that alters individual perception and leads to changed behaviors among those key outside audiences of yours.Public relations that does something positive about the behaviors of those key external "publics" that MOST affect your operation. Then helps persuade those important outside audiences to your way of thinking, helping move them to take actions that allow your department, division or subsidiary to succeed.Fact is, this approach CAN juice up your public relations by creating the kind of stakeholder behavior change that leads directly to achieving your managerial objectives.Consider this short but pithy blueprint: people act on their own perception of the facts before them, which leads to predictable behaviors about which something can be done. When we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action the very people whose behaviors affect the organization the most, the public relations mission is accomplished.Where can this go? Try results like community leaders beginning to seek you out; membership applications on the rise; customers starting to make repeat purchases; fresh proposals for strategic alliances and joint ventures; prospects starting to do business with you; welcome bounces in show room visits; higher employee retention rates, capital givers or specifying sources beginning to look your way, and even politicians and legislators starting to view you as a key member of the business, non-profit or association communities.How sure are you that your PR team really buys into the blueprint outlined above, and shows commitment to its implementation, starting with key audience perception monitoring? Luckily, your PR people are already in the percep
    diamonds you like, and just between you and me, the more diamonds you have, the more profusely they will welcome you! It is precisely because of this unwillingness to forsake wealth and to attack greed, that the church has been largely ineffectual in saving the world. Love of money in the world has caused wars, exploited the poor, led to drug trafficking, corrupted politicians, and much more. And love of money in the church has made the church virtually useless in changing present trends away from God. Daily, the world grows richer materially, but it also grows daily more and more destitute spiritually.

    In the middle of the Sermon on the Mount, and in the middle of his discourse on greed, Jesus said, "The eyes are like a lamp for the body. If your eyes are clear, your whole body will be full of light; but if your eyes are bad, your body will be in darkness. So if the light in you turns out to be darkness, how terribly dark it will be!" (Matthew 6:22-23, TEV) In other words, if the church, and individual Christians cannot get it clear with regard to his teachings on money, then Jesus is saying that they will not only be useless, but they will be seen as contributors to the "terrible darkness" that the world is in today.

    I have found that this teaching on money is the key to understanding all of life. It is in this same chapter that Jesus makes reference to King Solomon, who was believed to have been the wisest person on earth when he was alive.

    Jesus says that Solomon, with all his riches, was not clothed as beautifully as God has clothed the flowers of the fields.

    In another place (Matthew 12:42) he refers to a story that is recorded in the tenth chapter of I Kings, when he says that the Queen of Sheba travelled halfway around the world to hear the wisdom of Solomon, and yet "one greater than Solomon is here". There is, in accepting this teaching of Jesus about money, the key to discovering wisdom that Solomon barely scratched the surface of.

    The final book of the Bible continues with the theme of good and evil. It describes evil as a Prostitute (Revelation 17:5) and good as a Bride (Revelation 19:7). Both women give what our modern society has come to call "love", but one does it freely, while the other does it for money.

    Artists commonly refer to "prostituting" themselves if they let greed influence their work. And each of us does the same thing when we use the life and gifts that God has given us, to make money rather than using it to freely share him and his message of faith and love with the rest of the world.

    The Prostitute is given a name. She is called "Babylon". The name symbolises all of the worldly empires of human history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to

    Corporate Wellness - the Key to Corporate Success
    What have sickness, recuperation, rest, mindset, humour, energy and diet got to do with companies? These are terms applicable in physical wellness but they are equally relevant in the context of corporate wellness.Turnaround has become increasingly important, given the financial crisis that hit Asia in 1997, the financial scandals plaguing the Western corporate giants and the emergence of the economies in China and India. In some instances, the businesses appear relatively healthy, though they are experiencing declining market share, increasing costs, losing competitiveness and plummeting revenues. Hence, a major crisis is brewing and will hit any time when the interest rate increases or the economy goes into recession.Unfortunately, most troubled companies do not survive the turbulence in the marketplace. The average life expectancy of a multinational company is about 40 to 50 years. Many companies die prematurely. Some companies experience poor health with office politics, egos and bureaucracy stifling human creativity, enthusiasm and commitment. Many of these ailing companies suffer from a toxic corporate climate which urgently need to be detoxified, while others are genetically flawed and are thus unable to handle changes in the marketplace.For centuries, we have been searching for the elixir of longevity. Today, the wellness and health industry worldwide is the one of the fastest growing businesses, and it is expected to grow exponentially to one trillion dollars in a few years’ time. Essentially, the role of the doctor should be one of promoting wellness instead of merely concentrating on curing the patient after he is inflicted with an ailment.In a similar vein, companies are also seeking the same goal, that is corporate wellness. Corporate wellness is becoming one of the greatest and most powerful terms of the corporate dictionary. Unfortunately, it is also one of the most misunderstood. “Corporate wellness” is not merely referring to physi
    history. Babylon in particular is most famous for having invented money. They did not invent greed, because greed existed even in the days of bartering, but they did invent a much more efficient way for people to satisfy their greed.

    Gold coins were the first form of money, but it has evolved through various forms over the centuries, as the rich have become more and more rich.

    The Revelation also compares God to a "Lamb" that loses its life to save the world (Revelation 5:6). The antithesis of this poor slain lamb is a warring "Beast". The Beast is represented by a "Mark", which will eventually be placed on the back of everyone's hand or on their forehead, and without which they will not be able to buy or sell (Revelation 13:16-18). This is the ultimate step in the evolution of money, and it was prophesied in the Bible almost 2,000 years ago!

    It is gradually becoming common knowledge that the world is just about at that point in history when the prophesied Mark will be put into worldwide circulation, in the form of a microchip implant on the back of the hand (or on the forehead if your hand has been amputated). People will be able to wave their hand in front of a scanner to electronically transfer funds from one account to another in the fast approaching "cashless society". This is not fanatical raving. It is all coming together right now. You can read about it almost anywhere in the secular Press.

    The Bible says that anyone who accepts that Mark will be eternally damned. (Revelation 14:9-10)

    So is the church concerned about it? Are meetings being held to adjust their financial structure in order to survive without taking it? Of course not. In fact, if the subject comes up at all, it is quickly followed by arguments in favour of the Mark, and against those who see it as evil. The root of all evil is leading the institutional church straight into the hands of the Prince of Darkness himself, and all it took was the love of money to do it.

    There is an interesting little note in the passage from The Revelation about the Mark of the Beast. It says, "Here is wisdom. Let him that hath understanding count the number of the Beast, for it is the number of a man, and his number is 666." (Revelation 13:18)

    Here is wisdom. Wisdom has gradually become the all-consuming goal of my life, from the time that I first heard about King Solomon being given one request, and how he asked for wisdom. I want to know the truth. I want to have a sincere heart. I want to hunger and thirst after righteousness. I want wisdom. And so this passage tells me that I should seek to understand the meaning of the number 666 if I wish to have it.

    I decided to get a huge Bible concordance and see if the number 666 appears anywhere else in the Bible. I found that it does. The number 666 appears in only one other place, and that, strangely enough, is the very same chapter that Jesus was referring to when he talked about having greater wisdom than Solomon. It is in I Kings 10:14.

    This is the chapter that tells us that the Queen of Sheba brought many gifts to Solomon, in exchange for hearing his wisdom. Others also came bearing gifts. And in one year, Solomon received 666 talents of gold as payment for hearing his wisdom. See, Solomon had a wisdom of sorts, but then he used it to make money. Jesus had greater wisdom, which saw through the money myth. He saw that love for money was the root of all evil.

    My search for wisdom had started with Solomon; but it had taken me full circle back to Solomon. And the paradox is that, on returning to Solomon, I discovered that he was the counterfeit of the real thing. There is something better than Solomon, and it is the teachings of Jesus. The teachings of Jesus tell me that 666 talents of gold is worthless (whether it is in goods, gold ingots, cash, cheques, stocks, or e-money), that faith in God and a handful of wild flowers is worth more than all of this. The teachings of Jesus tell me that I could have all the wealth of the world, be a powerful king, have women circling the globe to listen to me, and still I would have nothing if I would not follow God. The teachings of Jesus tell me that the relatively short history of the human race has been little more than an experiment, to see whether we would spend our lives working for the source of all goodness or whether we would spend our lives working for the root of all evil. Our eternal destiny rests on which "master" we chose to work for.

    What I have covered in this article has been the root of all evil, and the "key" to destroying it. There is so much more that could be said. But none of it will do us any good unless we are prepared to act on the truth of what Jesus has said. Our talk about faith and love and sincerity all crumbles into meaningless babble unless we are prepared, in obedience to the Creator of the Universe, to turn loose of our wealth and dedicate our lives to helping others and obeying God... without thought for food or clothing.

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