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Christmas is here and we are asking what can I give to the people on my gift list? The greatest gift was given to us on the day Jesus Christ was born. He in turn has given us the greatest gift. He has given us salvation. Let me share with you the gift He gives that is often overlooked. He gives salvation which involves changing lives and through forgiveness and restoration.
Yesterday I went to Lake Butler and picked up a young man that was released from prison. As I drove into the prison I was reminded of my arrival there many years ago to be processed in as an inmate. It brought back many memories of the hurt and pain I had caused so many by my wrong choices. As we walked in I passed 3 young men working away serving as trustees. I stopped and shared with them my testimony of the change Jesus has brought into my life when I fully surrendered my life to Him. Jesus has given me forgiveness and restoration.
As we sat there waiting for the young man to be released to us I observed a number of men in the blue prison uniform fulfilling numerous duties as trustees. I began to think about the future of these young men and the paths they would travel. I asked one of the inmates when he could possibly face freedom and he responded by saying it would be several years.
What a waste. Or is it a waste? I am convinced being confined to a correctional facility often times becomes the seminary training for future ministers of the Gospel. I remind you that know me I received my Master's of Theology degree from the New Orleans Baptist Seminary then I went to prison and received The MASTER'S Degree for service to my Lord and my King.
I have witnessed so many lives being claimed for Jesus to share the Gospel in these 11 years with Christian 12 Step Ministry. In Wildwood we have a pastor of a great church who came from the jail cell to the pulpit. A church in Belleview recently ordained a man as elder after his recovery from addiction and he also serves the church as youth director.
Another young man directs a transitional house in Titusville for recovering addicts. He was ordained to the Gospel Ministry a few weeks past. We received news of another young man who began a recovery ministry in another state after his release from prison and several months of victorious sobriety.
I could go on and on. How do I know about these men? They came to the door of Christian 12 Step Ministry and asked for help. We simply took the time to tell them about a Savior named Jesus. What a glorious opportunity is ours daily to share the good news of the Great Physician who heals addicts and brings to them genuine and not tolerable recovery.
Many of you reading this are partners with Christian 12 Step Ministry, Inc. Without your prayers, financial support and hours of volunteering we could never accomplish what God is able to do through this ministry. Your faithful support allowed me to go to Lake Butler and pick up this young man and share with him the good news of Jesus Christ.
Something amazing happened in the office when mom and grandma brought in the little son. He climbed in the chair at the reception desk and said "I am going to work for God". The future perhaps will be filled with the witness of this young man and his son resulting in the salvation of many souls. I get excited when I am privileged to witness the power of God at work. The day of miracles has not passed. I see them in my office everyday.
God bless you and have a Merry Christmas and Happy New Year!
…THANKS…..GIVING… two words combined to identify a holiday that is celebrated throughout our great USA. I am confident that a heart of gratitude makes the difference in a person's attitude and in his or her relationship to others.
Perhaps we should have named the holiday …GIVING…THANKS… We are a very blessed nation. Let me suggest that we consider making it a day of …GIVING….as well as a day of …THANKS.
In the ministry to which God has called me I meet hurting, wounded and broken people every day. Their circumstances are often brought on by wrong choices leading them down the path of addictions with innumerable consequences.
And yes I can actually say I THANK God for allowing me to be part of their lives. God has so blessed me and I have the experience of His Grace in times in my life when I have made wrong choices and faced and continue to face the consequences of hurting myself while hurting others.
Today God has placed me in a position to …GIVE… His Love, Grace, and Mercy in a spirit of …THANKS… for what He has done for me. I have nothing to give apart from God's Grace. Yet, because of His Grace I have become His reservoir through which He can spill out His healing to all the hurting people He places in my life daily.
I take no credit for what God is doing. It is my desire to challenge you to …GIVE…today with …THANKS…and honor the ONE who has given so much, giving HIS life that we might be made alive. You can become His reservoir as well.
Jesus healed 10 lepers. One returned to say thanks. "Where are the other 9? Jesus asked. Let's join together and be the one that returns to say thanks and today through our …GIVING… we say …THANKS…
God bless you and "HAPPY THANKSGIVING…GIVING…THANKS…
I had thought about opening my remarks with the comment "another loss". Brother Bud Gillett made his journey to heaven this past Sunday. We have known each other for 50 years. I was thinking that now I have lost another person that is so dear to me. Then I was reminded in my devotional time that I have lost nothing.
The fact is that my Brother Bud just got ahead of me and has entered eternity with Jesus and I will be reunited with him and it will not be long as I have reached the ripe old age of 70. In the past few months in addition to Brother Bud I have witnessed the passing from this life of Bob Gregory, a brother who provided me a job and a place to live when I was released from prison nearly 30 years ago.
And then I lost Brother Ray Geisel the founder of Christian 12 Step Ministry, the ministry where God has placed me to serve. Brother Ray challenged me to come out of retirement and join the staff at Christian 12 Step. The news came following his passing of grandma Mary at Dunklin making her journey to heaven.
A few months another of my dearest brothers, Brother Mickey Evans, founder of Dunklin was called to his heavenly home. Brother Mickey was the greatest example of Jesus that I have ever known. He was the reference of unconditional love to literally thousands of men who graduated from the faith based recovery program at Dunklin.
Soon after Brother Mickey's passing my dear Aunt Julia who became my mother after the passing of my mother in 1983. Aunt Julia was 3 weeks away from her 99th birthday. She and my Uncle had 4 girls and she said to me many times that I was the son she never had. Uncle E. E., as he was fondly known, and Aunt Julia were consistently showering me with encouraging words inspiring me to fulfill the call God had placed on my life.
And now Brother Bud, one of the most caring and loving individuals I have ever known, made his departure to the streets of Glory. In my time of crying out to God for comfort He gently reminded me that I have lost no one. Brother Bob Gregory, Brother Ray Geisel, Grandma Mary, Brother Mickey, Aunt Julia, and Brother Bud are now at home having entered heaven and seeing Jesus face to face.
It is the same home Jesus stated that He has prepared for me and for everyone who trust Him as Savior. In days, weeks, months, or years will pass and I too will be reunited with each of these. I will be privileged to spend Eternity with Jesus and reunited with those I was tempted to say "I have lost" but it was not a loss. It was a temporary separation.
It is only when we forget that we are aliens in a foreign land and fail to focus our attention on an Eternity with Jesus that we need to be reminded that we are headed home and some have gotten ahead of us. There was a glorious day this past Sunday when my brother, William A. "Bud" Gillett entered his eternal home to be reunited with his mother, his dad, Velma's mother and dad, my mother and dad, and a host of others.
Then he was privileged to gaze upon a large host of folks gathered to welcome him and they placed on his head a crown of thanks for having been the person God sent to earth decades ago to share the gospel with them that they might be saved. Bud is now singing but changing a few words, "When I got to heaven, It was a day, glorious day for me, and when I saw Jesus I cried out and shouted what a victory". And then he sang as never before, "IT IS WELL,IT IS WELL WITH MY SOUL".
Thanks to the many faithful friends of the ministry we are now debt free. The mortgage of $60,000 has been retired. God is so good and continues to bless us in so many ways.
That is good news and I in no way diminish the significance of such an achievement made possible by so many faithful financial sponsors of the ministry. However, let me share with you some news that is most significant.
Lance came to this office a few years ago totally wasted as a result of his drug addiction. He came with his father and the family was desperate and his wife and daughters had lost their husband and father. We were able to assist Lance through the ministry and he was recently ordained to the ministry and is now on staff with a Christian transitional house for men coming out of addiction.
Ken was brought to this office by a youth pastor several years ago to seek help from the ministry. Ken was homeless and his family had totally rejected him due to his drug addiction. Ken is now serving as an elder in his church as well as the youth pastor. He and his family has been reunited and he was privileged to baptize his wife, daughter and son.
Mike was serving time in jail once again and came across the study guide "Walking the 12 Steps with Jesus Christ", a book provided free to inmates through the Christian 12 Step Ministry. Mike was born addicted to cocaine as a result of his mother's addiction. He was raised by his grandparents who took him to church. However he had turned away from what he had been taught about Jesus.
Today Mike is pastor of a thriving church and is on staff of a neighboring church serving in the recovery ministry. He has been reunited with his children and married a beautiful lady who has become a most supportive wife and mother to his children. He graduated from college at the top of his class and will soon complete seminary studies for a master's degree in theology.
I could go on and on and share many more success stories. It is my desire to share with you my belief that God is honoring this ministry as we reach out to so many hurting and wounded addicts. And we could not do it without the support of our faithful donors and volunteers. Thanks for being so faithful in your commitment to Christian 12 Step Ministry. We will continue to serve and honor the One who is the Life Changer and our Great Physician.
Last Friday I was able to witness a miracle. A very supportive volunteer of the Christian 12 Step Ministry stopped by the office for a visit. She asked the question, "What is the balance on the mortgage on the Christian 12 Step office building?". I gave her the figure and she presented me with a check to pay off the mortgage. GOD is so GOOD!!!
We borrowed $60,000 in July of 2011 and today we are debt free. It has been such a blessing to see how God has used so many of you who are so faithful in sharing that in just over 3 years the mortgage is now retired. We will have a note burning March 7, 2015, at our 11th annual celebration banquet. We will now have an additional $478 a month to spend in ministry to hurting and wounded addicts.
There was another greater miracle that took place Friday. A lady that was brought to this office a week ago Friday called and shared with me that she was 1 week sober. We invited her to our home Sunday afternoon and she shared with us the beautiful experience she had at church that very morning. Abbie and I both talked to her about being a child of God and she assured us that she has asked Jesus into her heart and will be baptized very soon.
Abbie and I had a great time this past Sunday. I preached at the First Baptist Church Webster and Abbie sang the solo. A couple from the church took us out for a nice lunch. We had a wonderful time of fellowship. It always amazes me that you meet people you have never physically seen and yet the common denominator of faith in Jesus Christ creates an instant bond. God is to be thanked for how He orchestrates all things.
Hope you are having a blessed day and that your week will be a week of praising God for His Goodness!!
I just returned from an all day prayer meeting at Dunklin Regeneration Camp in Okeechobee, a place for addicts to find genuine recovery through a relationship with Jesus Christ. It was a day of celebration, praise and worship. Every staff member is a graduate of the Dunklin program.
My friend Mickey Evans, the founder of Dunklin, went home to be with Jesus last month and I was privileged to attend the celebration of his life with more than 2,000 others in the Agri-Center in Okeechobee. The wisdom of this man is exhibited in his plans for his departure to heaven for the ministry to continue.
Tears moistened my cheeks as I heard 20 plus men read their journals for the day, prayed and took communion. I was allowed to share words of encouragement and to recognize some of the men that God has allowed me to refer to the ministry and become their mentor upon their graduation after successfully completing the program.
I am leaving today to share with a group of over comers through Jesus in Titusville at their meeting tonight. I will be preaching at a church in Titusville on Sunday. The assistant director of the program met me in Dunklin this week to attend the prayer meeting and the NET meeting the following day. His dad brought him to my office a few years back.
This man was totally bankrupt and at the end of his rope. The drug dealer was threatening to kill him if he didn't pay up and he had no money to pay him. We referred him to Dunklin; he graduated the program and is now giving away his recovery as he directs the program in Titusville. What a joy it is to see God at work and continuing to perform miracles in so many lives.
I was also privileged to attend the NET meeting the day following the prayer meeting. Fifteen men representing a number of ministries shared their heart and gave a report of what God is doing through their lives individually and through the ministries to which God has called them. What a joy to know that God is alive and well and doing a great work among His people.
A great blessing was mine to have the privilege of spending some time with Laura Maye Evans, the widow of my late friend Mickey Evans. She is rejoicing in his home going even in the midst of her loss but heaven's gain. Laura Maye is a great witness for God and His Kingdom. Following a visit with her I stopped by and visited with Fred Beason and his gracious wife.
Fred who served as a board member at Dunklin felt the call of God on his life to begin a regeneration program for female addicts. He and his wife are blessing the lives of many women at The Refuge Ranch across the road from Dunklin. The two of them are an inspiration and what a joy to visit with them and share the miracles that God is bringing to pass in the lives of those we have been called to serve.
This has been a time of renewal for me as I have been made aware that all the bad news that the devil is throwing at us is absolutely no threat to the mercy and grace of a God who loved us enough to send His Son to the Cross that we might have the Gospel, the "Good News", to share with the world. I was greatly encouraged and I wish to encourage you that God loves all the people He has created. We have the "Good News". Don't miss any opportunity to share it.
Tribute to Brother Mickey Evans, Dunklin Memorial Church, Okeechobee, Florida
My Mentor and Friend: Mickey Evans
January 8, 1932- August 22, 2014
The following was written by Joan Warren
Has Anybody?
Posted on 08/24/2014 by Joan Warren
"Has anybody told you today?"
"Well, just in case, I'm telling you again: I love you."
It was his trademark; his brand, calling card. If you saw Mickey, you could count on hearing these words. You could count on a hug and a smile. If not from him directly, from many around you, as he facilitated groups and classes to "get up, tell someone you love them, hug a neck."
He was the Cowboy Preacher. The Drunk Preacher, some called him. He'd chuckle. I doubt he'd ever had a drop of alcohol in his life.
He sought out drunks, with a purpose, to share God's amazing love.
(That was back in the day, before political correctness and biochemical studies taught us to call drunks "people with alcoholism," which, yes, is a gentler, kinder term, no harm ever intended by using the old word.)
In 1962, Mickey ventured into the snake- and alligator-infested backwoods, near the deep south's Lake Okeechobee, cleared some land about ten miles down a bumpy dirt road, hauled in some used rustic cabins and created a place for drunks to sober up. His idea, to provide not just a bed to sleep it off, but a place where hard work meets prayer, and confrontational truth-speaking-in-love results in changed men. A City of Refuge. His hard work had just begun.
His idea grew. Today, Dunklin Memorial is an internationally-renowned center for people overcoming drug and alcohol addiction. It can boast recidivism rates far better than those of centers catering to the rich and famous. It is also a place where families of people with addiction can recover and transform. It is a ministry training and retreat center. It is a church, where the body of Christ is people using their gifts and abilities to help one another, rather than a building sitting empty all week. It is the center hub of a circle of half-way houses, home and community support groups. Cottage industries, like cattle farming, orange groves, and pallet recycling, give residents hard work to do and help the program be self-supportive. It is a model center that is willing to share its success secrets freely to any who want to replicate it in their part of the world. Its curriculum is translated into several languages.
That says a little something about this man, the Drunk Preacher, Mickey Evans. There is so much more to say. Words are inadequate, but in an attempt to describe him, I would choose words like
and, most importantly,
loving, honest, and relational.
He continued to grow and adapt throughout his life, deepening his understanding of the recovery process and the need for transformation for leaders, helpers and addicts alike. He was the guru of the Daily Moral Inventory, a mirror to check and accept responsibility for your attitudes each day. He taught us to take the finger that so easily points at others ("but it's all your fault") and turn it (though it fights all the way) to point at ourselves (the only one we can change, after all). He taught us to use all of our capacities, including our senses, inner vision, imagination and even open eyes and ears when we pray, for God is in us, around us, and in our loved ones as well. God may speak to us from any of these sources. He worked toward responsibility in all areas, including sustainable agriculture, clean water, ecologically sound waste management and understanding cultural diversity.
"How old is that little boy?" –another trademark question. "Now take the cotton out of your ears and put it in your mouth." Only Mickey could get away with speaking this way to a defensive, angry man who needed to hear it. He could say it, with authority–a shocking blend of firmness and gentleness–and the hardest head would break down and listen.
When I met him, back in the eighties, I was a twenty-something transplant from Washington, D. C., all fired up for ministry training. I remember being amazed at Mickey's servant-leadership style, but I was also a bit afraid of him! When his lip quivered and his grin bared his teeth, I held onto my seat, for someone was about to get a dose of truth. I had never witnessed a christian leader being confrontational before. It impressed me and scared me at the same time! Yet he was kind. And wise. Under his honest leadership, I learned to face my fears, and I grew up. By the time I graduated, I faced life with a new awareness, in large part due to Mickey Evans. I was aware of my ongoing need to heal and grow, aware of the value of relationships as a measure of recovery, aware of the complexities of life transformation. I was willing to be a facilitator of change for those who wanted to change. I learned to accept each person's decisions as their own.
"I cannot change another person by direct action. I can only change myself, and that by the grace of God."
This was Mickey's mantra, which he lovingly entitled "The Bombshell Theory," because "it'll blow your mind." It really does.
Mickey modeled health in family relationships. "This is my beloved wife, in whom I am well-pleased," he would say, introducing his wife, Laura Maye. When families joined the men in the program each weekend, Mickey facilitated positivity, respect and appreciation for loved ones. Men responded to his example and held themselves accountable to making amends, to loving and respecting, where once they used, lied, stole and projected blame. Marriages rekindled.
As he aged, Mickey seemed at peace with gradually raising up leaders to take over his job. He used to quote Jesus, "greater works shall ye do. . ." His long-range planning to prepare others to carry on his work was nothing short of genius. It must have been challenging for him to let go of his baby, but he rested easy, trusting the One who had begun a good work to carry it through to completion. Mickey's style of trust was practical, though: he planned, prepared, reeled in, and let loose, over and over again, until he knew he'd done all he could do.
Brother Mickey Evans passed this week, after a long life, shining brightly. His light stems from, and moves into, eternity. As one candle bows to light another, light spreads exponentially, filling the earth.
Brother Mickey, we will miss you here. We thank you for your amazing gifts and dedication. We are grateful to carry on this light; to be torch-bearers, humbly and quietly sharing life, transformed by love. Enjoy your new place; we'll see you again soon.
Dear reader, has anybody told you today?
Well, just in case, I'm telling you again, I love you!
Pass it on ~
©Joan T. Warren
Heart to Heart in a Shielded World
Yesterday was a special day. I received a call from Lance inviting me to come and speak at his church. Some of you reading this blog will ask immediately "why does his invitation create what you are calling a special day".
Several months ago Lance was in my office a broken man. He had lost everything. The drug dealer demanded payment for his drugs or face the consequences for failure to pay. Some of you know what the consequences can be for lack of payment.
We were able to get Lance into a FAITH-BASED recovery program. He repented and began a journey of commitment to Jesus Christ. He is now on staff of a transitional recovery ministry. His call was a reminder to me of God's faithfulness.
During our time together on our first visit I was able to talk to Lance and share with him my testimony of how faithful God is in not just for salvation but also restoring His children who stray. Repentance is all that is required to experience God's forgiven and His eternal grace and favor.
God is faithful to His Word. He has made numerous promises recorded in the Holy Bible. He never fails in fulfilling every promise. We are secure in what God promises. He tells us He will never leave us or forsake us in bad times as well as good times.
God is also faithful to sinners regardless of how broken or helpless they may be. He promises that if we call upon Him He will hear us. He died for sinners. He saves sinners. He is preparing a place for all sinners who repent to come and live with Him forever.
God is faithful to His children. He is our protector, defender, provider, as well as our Lord and Savior. He reaches out to the saved, the broken, lonely, weary, troubled, sick, fearful, and worried. He knows even after becoming His child that we are very much in need of His presence.
"I thank you God for always being FAITHFUL. We have no reason to be afraid. You have told us WE HAVE NOTHING TO FEAR, I WILL NEVER LEAVE YOU OR FORSAKE YOU." AMEN!!!
Last week my 98 year old aunt went home to be with Jesus. In 3 weeks she would have been 99. My last visit with her a month ago was as always a time of inspiration and encouragement. She was blessed to have good health and was very mentally alert until the end.
My uncle who is her late husband was my dad's youngest brother. He was a Baptist preacher. In his early years he would preach at several churches rotating the Sundays for each church family. My sweet aunt was a very committed and devoted preacher's wife. She was a model for her children, nephews, nieces, young people, wives, mothers, grandmothers and lots of others.
She was always an encouragement to me in ministry. At each visit she would ask about the ministry and how things were going. She loved Jesus and demonstrated that love by her desire for everyone to have a relationship with Him.
I remember with fondness so many visits with Aunt Julia and her family at our home in Ruskin. Her husband, my Uncle E.E, would always come to the house during his vacation to spend time with my dad so they could try to empty Tampa Bay and all surrounding waters of all the fish that were good to fry. He too was one who recognized the blessing of a good wife and treated her as "Queen" of his household.
So often we forget that each individual will leave a legacy. Do we take time to make a genuine personal inventory to reflect on the legacy we may leave? In my lifetime I have made many mistakes. I have suffered many consequences of bad choices. However, by the grace of God and the influence of so many people in my life I have made some good choices in the last year that I am trusting will result in some positive attributes in the legacy I may leave.
My Aunt Julia and Uncle E. E. walked with me through some very difficult times. They never condemned me or ostracized me. Each visit with them was a time of encouragement as they demonstrated unconditional love and forgiveness for past wrongs.
I was most encouraged this past Saturday as a result of 37 people meeting in a local restaurant to be part of a surprise early birthday party for me. Several folks wrote down some words describing some fond memories of their association with me. I was humbled when mention was made of my compassion and caring for the hurting and wounded.
I cannot take credit for any positive remarks. It was God taking the mess I made and through His RESTORATION and GRACE giving me a message to share with others. I was in the ditch and a good Samaritan found me and ministered to me. A number of good Samaritans, including my very special Aunt Julia, assisted me and was used by God to acquire recovery and restoration. It is a joy to be able as the director of Christian 12 Step to play and pay it forward.
Every day God provides me with opportunities to share with others His unconditional and restoring love. God is so good!!!
The following article really spoke to my heart. I hope it speaks to your heart as well. I share it with a prayer that God will use it to challenge and bless us.
Bitterness is a deadly malignancy of the soul. Its poisonous venom destroys both the physical body and the spiritual health of an individual. I once heard it said, "Bitterness is like the acid you have inside that you want to spew on others; but it may well eat you alive before you get the chance."
Truly, bitterness is one of Satan's greatest weapons in devouring all kinds of relationships. It seeks out those who have been offended or hurt by another, encouraging them to dwell on the offense until a deep-seated anger and resentment takes root. The Enemy whispers in their ear: You're right… Look what he did to you… You don't deserve this… And she calls herself a Christian… and so on, and so on, and so on.
As we see in Hebrews 12:15, what makes this anger and resentment so dangerous is "the root of bitterness" that springs up in the heart. From it, this Scripture warns, trouble is caused and "many become defiled." In other words, the constant stream of venom spewing from the heart of a bitter person defiles nearly everyone encountered.
Unfortunately, I have seen this poisonous root spew its venom in the lives of numerous women I have counseled over the years at Pure Life Ministries. But bitterness isn't unique to hurting wives.
Consider the account of Cain and Abel for a moment. (Genesis 4:1-16) We see that Abel brought the appropriate offering to God and received His favor, while Cain's offering was not accepted because it was the wrong way to approach God. As a result, Cain was bitter at his brother. God warned Cain that if he did not deal with his simmering anger, sin was crouching at the door of his heart, desiring to master him. Although God's desire was for Cain to rule over his anger, sadly, Cain did not heed God's warning.
We see the ultimate fruit of this failure when he rose up and killed his brother Abel
One can look at this story and wonder, "How could Cain do such a horrible thing?" But I believe there is a simple explanation: Cain's action stemmed from his bitter heart. Cain was angry, resentful and bitter over his brother's offering. One can only imagine the thoughts repeatedly churning in his mind as a result of his bitterness. In warning him, God knew Cain's heart would ultimately lead him to murder Abel if not dealt with in the right way.
Bitterness is invariably found in the heart of one who has not dealt with a hurt or offense in God's prescribed manner. So what is the biblical way to deal with bitterness? Amy Carmichael has said, "There is only one way of victory over the bitterness and rage that comes naturally to us—to will what God wills brings peace."
Paul laid out the biblical instruction for dealing with bitterness when he said: "Let all bitterness, wrath, anger, clamor, and evil speaking be put away from you, with all malice. And be kind to one another, tenderhearted, forgiving one another, just as God in Christ forgave you." (Ephesians 4:31-32) It has been my experience in counseling women for almost two decades, that bitterness left unchecked will almost certainly yield the other rotten fruits of "wrath, anger, clamor, evil speaking and malice" in our relationships with others. The biblical mandate is to forgive others of the offenses that have spawned our bitterness, doing so with the awareness that we also have been forgiven much.
It's been many years ago now, but I once counseled a lady who is a beautiful example of how to overcome bitterness. This dear woman's husband had been in sexual sin for many years when she began counseling with Pure Life Ministries. Because she was not dealing with her husband's offense in a godly manner, this woman became very bitter toward her spouse.
She was miserable, both in her marriage and, more generally, over the person she had become. My heart would break for her as she came to my office for counseling. You could see the resentment and lack of joy all over her face as she slumped down in her chair. She would confess during our counseling sessions that she was nasty to everyone she came in contact with and would never smile at anyone, including me. Yet, I remember as she got involved in our Overcomers At-Home (OCAH) Program and began to do The Walk of Repentance Bible study, God began to do a work in her heart.
The Holy Spirit began to convict her of her cutting words toward her husband, of her ungrateful heart in the midst of the trial she was going through, of her grumbling and complaining spirit toward God for her lot in life, and over the great disdain that rose up in her heart every time she even saw her husband—to the point where they had been separated for several years.
As she began to apply God's Word to her heart, entering into His prescribed remedy for this deadly poison which was, little by little, eating away at her soul, I began to see her countenance change right before my eyes. This dear lady desperately needed God just as much as her husband did. And gradually that realization dawned upon her.
As she allowed the living and powerful Word of God, which is sharper than any two-edged sword, to pierce into her soul and spirit and the joints and marrow of her heart, God began to cut this malignant root of bitterness out of it. It became very real to her that, if she were to die, she would have to give an account to God for what she had allowed to fester in her heart. She realized the Lord's judgment would be without mercy to her, the one who would not show mercy to her husband. (James 2:13)
You see, she came from a sinful past (as we all do!), and God had forgiven her much. Yet, before contacting Pure Life Ministries for help, she had not been willing to give that same mercy to her husband. She was living as the unforgiving servant we read about in Matthew 18:21-35. She basically had her husband by the throat, demanding, "Pay me what you owe!"
She knew God had been merciful to her, and He was justly requiring that she have compassion on her husband, releasing and forgiving him from the debt she felt he owed her. This instruction was God's prescribed medicine for her soul and brought the healing and deliverance she so desperately needed to eradicate this bitter poison from her heart.
I almost shudder to think about what would have become of her if she had not taken God's counsel to heart. She was following the same path of bitterness Cain went down; only the Lord knows where her murderous heart was leading her.
You see, this woman had allowed her husband's sin to steal her joy and her sense of God's presence in her life. God was able to work in her life, however, because of her willingness to see her own sinful heart. To be sure, it was not easy to keep the focus on her own sin in the midst of so much temptation to keep focusing on her husband's offenses against her. But even though she still had some ups and downs, she learned to repent daily of her unforgiving attitude and turn to God.
What about you beloved? You might be going through something right now, where the sin of bitterness is crouching at the door of your heart. Be assured, God's desire for you is that you would master it.
Are you willing to take God's medicine into your soul today and "be kind to one another,
tenderhearted, forgiving one another, even as God in Christ forgave you"? (Ephesians 4:32) Are you willing even though your offender doesn't deserve it? If not, I solemnly remind you of Jesus' warning: "For if you forgive men their trespasses, your heavenly Father will also forgive you. But it you do not forgive men their trespasses, neither will your Father forgive your trespasses." (Matthew 6:14-15) The choice, of course, is yours; but I pray that you will choose to forgive others just as Christ has forgiven you.
Rose Colón is the Director of Women's Counseling at Pure Life Ministries, a position she has held since 1996. Rose has a Masters of Ministry in Biblical Counseling from Master's Graduate School of Divinity in Evansville, IN and holds certification from the International Association of Biblical Counselors (IABC) in Denver, CO.
Copyright © 2014 by Pure Life Ministries. Permission is granted to use, copy, distribute, or retransmit information or materials on this page, so long as proper acknowledgment is given to Pure Life Ministries as the source of the materials, and no modifications are made to such material.
by Rose Colón


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| Adrienne Blume, Hydrocarbon Processing,
The Keota facility, which was designed to process gas from Noble's Denver-Julesburg (DJ) basin operations, was first conceived as a traditional gas processing plant. However, Noble examined other options for Keota as it sought to bring in a clean energy alternative for fueling its DJ rig engines.
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A searchable database of project activity in the global hydrocarbon processing industry
Engineers and designers are highly skilled individuals. Forcing them to enter design changes using tables, forms and spreadsheets is unproductive and uneconomical, and it increases the likelihood of human error—this is the way that most instrumentation software systems currently work. For too long, software vendors have denied engineers and designers the simple practicality of a graphical visual engineering interface with "drag and drop" capability and inbuilt intelligence, ensuring changes are automatically replicated into all the associated data and databases.
Should the US allow exports of crude oil? (At present, US companies can export refined products derived from crude but not the raw crude itself.)
December 2014

subset: commoncrawl


text:
All it takes to make creativity a part of your life is the willingness to make it a habit. It is the product of preparation and effort, and is within reach of everyone. Whether you are a painter, musician, businessperson, or simply an individual yearning to put your creativity to use, The Creative Habit provides you with 32 practical exercises based on the lessons Twyla Tharp has learned in her remarkable 35-year career.
In "Where's Your Pencil?" Tharp reminds you to observe the world - and get it down on paper. In "Coins and Chaos", she gives you an easy way to restore order and peace. In "Do a Verb", she turns your mind and body into coworkers. In "Build a Bridge to the Next Day", she shows you how to clean the clutter from your mind overnight.
Tharp leads you through the painful first steps of scratching for ideas, finding the spine of your work, and getting out of ruts and into productive grooves. The wide-open realm of possibilities can be energizing, and Twyla Tharp explains how to take a deep breath and begin....
Download the accompanying reference guide.
©2003 W.A.T. Ltd. (P)2013 Audible, Inc.
"A much-needed shout-out to good habits"
If you have any creative component to your work-life, you should listen to this book by Twyla Tharp. It's about facing the blank canvas of creativity and overcoming all of the distractions, fears, and roadblocks to getting creative work done.
And a terrific narrator, too.
Highly recommended!
"Useful advices"
I am always interested in listening to (reading) artists' perspectives on how to "make it" and survive in each area of arts. She provides several useful advices. I understand that the field of modern dance is extremely competitive and under-appreciated. I am sure she worked very hard, tried creative approaches, and definitely deserves the success. But, reading her stories, I could not help feeling that she was still a lucky one. Although this is supposed to be a how-to book of sort, sometimes I felt like she was bragging a bit. I had to compare this to David Byrne's How Music Works, which, to me, provides broader perspective in art in general as well as very practical considerations in music industry. Anyway, I still appreciated her advices nevertheless...
I'm a web developer from Sydney, Australia who loves every opportunity to learn something new. Audible is perfect for this!
"Overall an inspiring listen"
I'd recommend it to friends looking for inspiration, motivation and ideas on how to keep up their creativity and work in it as a profession. Why? I found the stories and such promote all the necessities to successful creativity in a really nice and clear way.
She uses a variety of examples and explains things really well. It's a good book on reflecting and learning from a fellow creative's experiences as she explains her own mistakes, pitfalls and areas of success. I liked the examples of other creatives she also researched and read about.
I enjoyed the stories on classical composers and their working habits the most.
I'm seriously considering her idea of putting each project into its own box/boxes to keep a log of everything associated to it. That was a neat idea.
The narrator did a really good job too, it was one of those cases she sounded like she truly did author the book. Loved it.
"It is OK"
It is just an average book. No SECRET to creativity or anything that you would not guess. It is about Preparing and clearing your mind so you get the Creativity flowing. It probably over promises. and the performance will easily put you to bed. One of the slowest reading I ever saw.
"Wordy, overacted, not easily applicable"
I would not purchase another book by Twyla because she focuses way too much on dance and doesn't convey it well to other aspects of the creative world. I would not purchase another book read by Lauren because she overacts and drawls on, making a read that should only be a few hours into an excruciating 6 or 7.
There was nothing helpful or insightful for me. I was hoping for a book that would give me some guidance or a few good techniques, but this book is more like her patting herself on the back for solving some of her own problems. Her problems are very specific to producing dance and choreography, which doesn't translate to my creative problems at all.
Was bored out of my skull listening to this one.
"life altering"
Genius. I could take this book and start a school. The lessons apply to all fields and I like learning about the dance world. The exercises challenged me to the core and upset me sometimes but in a good way.
"Good and bad"
As much as I want to give this book a better rating I can't. I started this book in a moment of crisis with a creative project and I wouldn't say it has been a complete waste of my time and money but I really can't recommend this book to many people. The story itself is nice but it is more of an autobiography than it is a self-help book. I feel like a lot of stories and examples could have been cut out and the message she was trying to convey would have been just as clear. Tharp states in the beginning that this book is not just about dancing but I feel a bit cheated - there is an awful lot of talk about dancing that simply does not interest me. I lose focus and really want to skip on those parts. The narrating is ok, her voice is calm and soothing but she simply goes too slow! The combination of the slow narration and the talk about classic music and dance is just not my kind of thing and not what I was hoping for.
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text:
Yesterday Maizey went to the ophthalmologist. We saw a very nice doctor, who had not so nice news for us.
Not the worst news we could have got, but still a little worrisome.
First the good. . . strike that. Amazing. . . strike that. No, this is stunningly exciting, I am the proudest crazymomlady in the world news.
Since I knew we were going to a new clinic I figured there would be plenty of opportunity for Maizey to be stressed and react. Safe assumption going to the dog ophthalmologist that there will be dogs there, right?
The clinic shares a waiting room an emergency care clinic so yes, there were dogs there. Lots of them.
I went prepared. Her thunder shirt went on an hour before we were supposed to leave. (Although it also had to come off and get dried when the pups decided a roll in the snow was in order 20 minutes before we did leave.) She also got a dose of Rescue Remedy about that time.
High value treats in the treat bag, her mat, a high value chewy to keep her occupied, a calm Crazymomlady and we were ready for anything!
So how did she do?
In the parking lot it looked ominous, as there were three big dogs getting in and out of their cars. So I waited until the coast was clear to get Maizey out of her carrier. It's not unusual for her to react from inside the car and I just didn't want to start the visit that way.
As we headed inside I could see we were awaited by not one, two or three dogs, but four! At this point my blood pressure started to climb. When you have a little dog on the end of your leash whom you are pretty positive will soon become a barking, lunging vision of fear it tends to up your anxiety level a bit.
So I took a deep breath, and kicked in our skills. She was quiet so I started to mark her with, "good" the soothing reward marker we have conditioned, and shoveling in the biggest treats we had. I always like to fill up her mouth, I figure it might be harder to bark that way.
We took our time. One of the most useful things I have learned is that if I get hurried I don't think of all the little skills that will keep her focused on me and not on reacting. So we did a sit at each door going in, with high reinforcement of course, another sit on the door mat as soon as we were through the doors, with "watch me's" thrown in for focus and soon enough we were at the counter getting checked in.
Now my lack of mentioning one reaction from her may have led you to believe I had magically wished those 4 dogs away, but no, they were all still there! At this point I started to think someone had kidnapped my Princess Of The Shrill Bark and replaced her with a normal dog, but no, it was just my little girl using her skills and making me so proud!
Long story not as long, we were in the waiting room with other dogs coming and going, barking and rustling around for about a half hour and she never barked one time! Not one!
She kept her brain engaged by doing basic skills, and for the first time we successfully and consistently used her "show me" cue. This is loosely based on Leslie Mcdevitts' LAT. I ask her to "show me" what ever she appears stressed at and she looks and then reorients to me. Reward comes if she does so with no vocalization. She did so good!
The crowning moment came when we were checking out and there were two big black Lab mixes waiting. Black Labs are Maizey's nemesis dog. I have never seen her not react to one. And still, not one bark! At one point, when I couldn't back away for more space, one of them came and sat about two feet from us, she actually turned to meet that dog. She was worried, but she acted like she would try to say hi. I could have cheered I was so proud.
Now I won't try to say that she wasn't stressed. I saw the signs of worry in her and at one point, when a pug in an e-collar had a little fit behind us, she startled right off her feet. Honestly that one startled me, no offense to you pug lovers, but they are already a little strange looking and put an e-collar on one it's a startling sight! But even then she settled right back into working for me.
So what was the difference? I would like to think all of our practice is starting to pay off, the Thunder Shirt and Rescue Remedy are helping her. I do think that, but I also know a lot of factors could come into play, such as it being a new place, maybe she was a little shut down, oh just a whole list of things. But for now I am just going to bask in the joy of our success and hopefully keep building on it!
As for the Blepharitis, Corneal Dystrophy, and Distichiasis you will have to check back later this week for low down on those diagnoses about her eyes. Not to worry it is nothing too serious and hopefully will clear up in a few weeks.
Until then a 4legged lesson for us all: if you love a reactive dog take heart, progress can be made and if feels oh so sweet to see your hard work help your pup!


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text:
A Snapshot
What is socionomics? Socionomics is a field of study deriving from the hypothesis that waves of social mood motivate the character of social actions.
What is social mood? Social mood is a shared mental disposition that arises in humans when they interact socially. It fluctuates constantly in a hierarchical fractal pattern. Social mood predisposes individuals in the group toward emotions, beliefs and actions that reflect the mood's direction (positive or negative), extremity and position in the pattern. Social mood is unconscious, unremembered and endogenously regulated.
How long has socionomics been around? Robert Prechter began developing the idea in the 1970s and first reached a mass audience in a 1985 cover article in Barron's. Since then, researchers have applied the hypothesis to explain diverse social phenomena including election results, trends in popular culture, the timing of epidemics and pandemics, the emergence of prohibition movements, and financial manias and crashes.
Can I take a university course on socionomics? Yes, at two universities we know of: The University of Delaware and Quinnipiac University in Connecticut. The field is attracting more academics and researchers, so this list may grow. Prechter and others have authored books, articles and peer-reviewed papers about the theory and its application. Socionomists have made presentations at academic conferences and at such prestigious institutions as the London School of Economics, MIT, Georgia Tech, SUNY, the University of Cambridge, the University of Oxford and Trinity College Dublin as well as dozens of other universities.
How can I learn more? The resources below are great a place to start.
Interactive Interview with Robert Prechter, Jr.
Socionomics Explained
In this engaging interview, Robert Prechter explains the socionomic premise and how he developed it. Read the interview.
Full Streaming Video
History's Hidden Engine Documentary
Chronicling the new and revolutionary science of socionomics, History's Hidden Engine is the result of more than three years of research and filmmaking by David Edmond Moore. In just 59 minutes and with the help of news footage, popular songs and cultural images, this documentary explores how social mood drives trends in movies, music, fashion, economics, politics, the media and the stock market. Moore traveled North America to capture the insights of 17 thinkers at the vanguard of socionomic research. Watch the Video
Quick Summary
The 5 Tenets of Socionomics
This PDF lists five tenets of socionomic theory as well as a few items to remember as you begin to "think socionomically." View the Tenets
Read the Entire PDF
Socionomics in a Nutshell
If you're new to socionomics, Robert Prechter's seven-page report is a great place to start. Prechter explains the socionomic hypothesis and shows you that events don't govern mood — mood governs events. Read the Report
Read the Entire PDF
The Financial/Economic Dichotomy in Social Behavioral Dynamics
This landmark paper by Robert Prechter, Jr. and Wayne Parker, PhD., proposes a new model of finance. Originally printed in the Journal of Behavioral Finance, you can now access it for free. Read the Report.
Want to learn even more? Join our club. You'll get several additional fascinating (and free!) resources to help you understand this fast-emerging field.
Finally, the Socionomics Institute produces a monthly subscription magazine, The Socionomist. Information about the publication is available here.
All the best as you begin your journey into the intriguing world of why societies do what they do.
The Socionomics Institute


text:
Matthew Sauer, Esq. • Wed, Sep. 17• 5 Comments
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Guggenheim Multi-Asset Income: The Not So Multi-Asset ETFMatthew Sauer, Esq. • Wed, Sep. 17 • 5 Comments
- CVY has roughly two-third of assets in common stocks and ADRs.
- CVY has very little bond exposure.
- Investors can achieve a better return, with less volatility, with a common dividend ETF.
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There are no Transcripts on CVY.
Wed, Mar. 5, 12:04 PM
- The AdvisorShares YieldPro ETF (YPRO), a joint venture with The Elements Group, launched this morning.
- This ETF will hold both long and short term fixed income investments, selected after a screening for yield, volatility, volume and relative strength.
- Noah Hamman, chief executive officer of AdvisorShares, stated in a press release; "in the current interest rate environment where many investors and advisors actively hunt for the dual goals of yield and mitigation of risk, we feel YPRO may help allow the flexibility to potentially achieve both objectives."
- Other multi asset bond ETFs: CVY, PCEF, CEFL, MDIV, IYLD, YYY, GYLD, DVHL, HGI, INKM, DVHI, YDIV, GCE, RIGS
Dec. 12, 2013, 11:29 AM
- The ETRACS Monthly Pay 2xLeverage Closed-End Fund ETN (CEFL) features a double-exposure strategy focused on closed-end funds and will shoot off a dividend of 19.4%.
- This newest addition to the UBS lineup has been described as a double-exposure version of the YieldShares High Income ETF (YYY), which launched earlier this year and has a yield of 10.4%.
- Other multi-asset ETPs: CVY, PCEF, MDIV, IYLD, GYLD, INKM, DVHL, GCE, DVHI, RIGS, YDIV
Nov. 13, 2013, 9:17 AM
- Launching tomorrow from UBS is the Etracs Monthly Pay 2x Leveraged Diversified High Income ETN (DVHL) - the double-exposure version of its DVHI which opened in September.
- The tracked index includes MLPs, BDCs, REITs, and preferred equity, among other securities, and is split 60/40 between equity and bonds.
- Multi-asset income funds have become a popular product in the last 18 months, the largest being Guggenheim's CVY with AUM of nearly $1.2B.
- Others: MDIV, INKM, IYLD, GYLD, HGI.
- CVY and the others are ETFs, while UBS's offerings are ETNs.
Oct. 23, 2013, 2:58 PM
- Assets in dividend-themed ETFs have ballooned nearly 50% to $80B this year, according to Ned Davis Research, led by Vanguard Dividend Appreciation (VIG) with $3.2B in inflows, the SPDR Dividend ETF (SDY) with $1.2B, and the Vanguard High Dividend Yield ETF (VYM) with $1.6B.
- Meanwhile, ETFs holding U.S. government debt hold just $67B in assets, with funds like the iShares 3-7 Year Treasury Bond ETF (IEI) seeing several hundred million exit, and the iShares TIPS Bond ETF (TIP) losing a whopping $6.9B.
- The team at Ned Davis recommends looking away from the popular dividend plays and towards a lagging emerging-market alternative, the WisdomTree Emerging Markets Small-Cap Dividend Fund (DGS), yielding 3.3% and up 3.8% this year.
- Dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO, DGRS, DNL, EMDG, DGRW, VIG, DGRE.
- Global dividend ETFs: AXJL, AUSE, GNAT, DTH, DWM, SDIV, DVYE, EDIV, DEM, FDD, FGD, LVL, PID, DEW, WDIV, IDOG, DTN, DOO, IQDF, IQDE, IQDY, IDV, DVYA, DWX, DOL, CCXE, DIM, GULF, DRW, DBU.
- Small-cap dividend ETFs: DGS, DFE, DFJ, DXJS, DES, DLS.
Oct. 21, 2013, 3:05 PM
- Dividend stocks have historically worked because of their value tilt, says ace researcher and portfolio manager Mebane Faber. A rash of fund offerings have distorted the asset class though - typically trading at a 20-40% valuation discount to the broad market, high yielders from defensive sectors are now at premiums, and record premiums at that. Buyer beware.
- Faber himself runs the actively-managed Cambria Shareholder Yield ETF (SYLD), which adds buybacks and debt repayments to dividends to create a "shareholder yield" from which selections are made.
- Dividend ETFs: VIG, FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
Oct. 13, 2013, 9:01 AM
- ETFs which have expanded their view of "yield" to include shareholder-friendly activity such as buybacks and paying down debt continue to outperform the general dividend universe as well as the broader market.
- Mebane Faber's 5-month old $122M Cambria Shareholder Yield ETF (SYLD) has a forward dividend yield of 2.9% - slightly higher than VIG or SDY, and a bit less than DVY - but what Faber calls "a net buyback yield" of 5.6%. It's up 9.2% in its short history vs. 2% or less for the other funds and 3% for the S&P 500.
- TrimTabs' Float Shrink ETF (TTFS) goes even further - disregarding dividends entirely to pick 100 of the Russell 3000 companies rapidly reducing outstanding shares while also screening for profitability and low debt. And reducing shares doesn't just mean buybacks: Carl Icahn's Herbalife investment put more than 15% of the stock outside of the free float according to TTFS' managers, thus allowing its inclusion in the fund. Sirius XM Radio was added after Liberty Media's decision to convert its preferred stake into common. The fund's nimbleness makes it pricey with a 0.99% expense ratio. It's ahead of the S&P 500 by more than 1000 bps YTD.
- See also: PowerShares' Buyback Achievers Fund (PKW), the oldest and largest of the group, and ahead of the S&P by 1300 basis points this year.
- Dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
Oct. 1, 2013, 9:25 AM
- RevenueShares launches for trade today the Ultra Dividend Fund (RDIV). The fund seeks to outperform the S&P 900 (combined S&P 500 and S&P 400) by picking 60 securities with the highest average quarterly dividend yields over the previous 12 months and then re-weighting according to company revenue. The expense ratio is 0.49%.
- Other dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
Sep. 12, 2013, 1:39 PM
- Dividend payers may be a good place to hide out from rising interest rates, but those stocks sporting the highest yields - telecoms and utilities - tend to have slow payment growth, making them less-attractive as rates rise. Checking back to the 1994 bond bear market, telecoms and utilities were among the market's worst performers.
- Better to shop for modest payers, but above-average payment growth. Barron's screens for those characteristics combined with reasonable overall valuation and turns up three names: Boeing (BA), CVS Caremark (CVS), and GE.
- Certain dividend ETFs employ this strategy as well, with Vanguard's Dividend Appreciation (VIG) - almost zero exposure to telecoms and utilities - and WisdomTree's U.S. Dividend Growth ETF (DGRW) coming to mind. Others include DGRS, DNL, EMDG, DGRE.
- Other dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
- Telecom and utility ETFs: IYZ, XTL, VOX, LTL, TLL, IDU, PUI, XLU, VPU, RYU, FXU, PSCU, UPW, SDP, UTLT.
Aug. 21, 2013, 8:47 AM
- Investors have been overpaying for dividend stocks while undervaluing those firms buying back shares, Oakmark's Bill Nygren tells the crew at Fast Money. Investors should treat both the same, but the stocks of repurchasers aren't as expensive, he says.
- Previous: Buyback ETFs outpacing market and dividend funds.
- Among his favorite picks are Bank of America (BAC) and JPMorgan (JPM). "What we see here is really low P/Es relative to the market and relative to their own history ... These companies sell at about 8x the level that we think they'll earn after the legacy mortgage costs stop going through the income statement."
- Other top picks are Apache (APA) - selling assets for close to full value and buying back shares - Haliburton (HAL) - which has tendered to repurchase 4-5% of its shares - and DirecTV (DTV) - also buying back stock.
- Buyback ETFs: PKW, TTFS.
- Dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
Aug. 20, 2013, 4:13 PM
- There are four key points writes ukarlewitz in The Fat Pitch:
- Retail and professionals have already made a big move out of fixed income. Trim Tabs estimates bond fund and ETF outflows in August will be the 4th largest ever - nearly 3% of assets have left in 3 months. Individual investors' holdings of bonds fell in July to a 4-year low and are likely lower now. For professionals, a BAML survey has 97% believing yields will be higher a year from now.
- Fund manager weightings are at the bottom of a long-term range. A further big move down would be unprecedented. 57% are underweight bonds, the highest since the 2011 bottom in bond prices.
- The recent change in yields looks to be out of proportion to actual economic data. The market is behaving as if the economy is at a 1987, 1995, or 2004 inflection point where unemployment falls low enough to send rates shooting higher. It just isn't so yet.
- Bond yields are close to stabilizing or maybe turning lower - positive not just for TLT, but for other yield assets like dividend stocks (DVY), and mortgage REITs (REM).
- Long-duration Treasury ETFs: TLH, TLT, IEF, DTYL, DLBL, ILTB, TENZ, ITE, TLO, EDV, VGIT, VGLT, TMF, TYD, LBND, UBT, UST, TMV, TYO, DSTJ, DSXJ, SBND, PST, TBT, DTYS, DLBS, TBF, TTT, TYNS, TYBS, TBX.
- Dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
- Mortgage REIT ETFs: MORT, MORL.
Aug. 19, 2013, 1:06 PM
- Dividend ETFs may be more popular, but funds focused on companies returning capital to shareholders via buybacks are among the top performers of 2013. Among the group is the PowerShares Buyback Achievers ETF (PKW), and AdvisorShares TrimTabs Float Shrink ETF (TTFS).
- PKW - with expenses of 0.71% after a fee waiver - only buys companies who have repurchased at least 5% or more of its outstanding shares in the past year. TTFS - with expense ratio of 0.99% - too focuses on smaller floats and adds profitability and balance sheet strength to its algorithm. The two have outperformed the DVY by more than 1000 bps YTD.
- Dividend ETFs: FDL, FVD, MDIV, QDF, QDYN, QDEF, DIV, CVY, DVY, HDV, IYLD, PEY, PFM, SCHD, SDY, SDYL, DVYL, VYM, DHS, DTD, SYLD, KBWD, SPHD, DLN, DON, HILO.
Jun. 25, 2013, 3:34 PMFirst Trust sets in regulatory motion the bringing to market of the International Multi-Asset Diversified Income Index Fund to be comprised of 5 non-U.S. sectors: dividend stocks, REITs, preferreds, infrastructure companies, and fixed-income ETFs. It will join a growing group of ETFs looking to bring U.S. investors maybe more income than they can get domestically. Others include CVY and MDIV. | Comment!
Jun. 4, 2013, 12:14 PMPopular dividend ETFs - HDV, VYM, VIG, SDY, DVY among them - have fared worse than the SPY as interest rates have risen of late. Credit Suisse narrows the risk down further, identifying 20 stocks with the biggest share of their float held by dividend ETFs. This basket includes Cincinnati Financial (CINF) and Pitney Bowes (PBI) and it's off 3.4% since Ben Bernanke's May testimony, twice as much as the broad market. We'll post the other 18 as they come available. | 10 Comments
May. 29, 2013, 10:10 AM
May. 24, 2013, 12:45 PMMulti-asset income ETFs are here to stay, writes Paul Britt, as Guggenheim's CVY crosses $1B in AUM. It's been around since 2006, but a new entrant, MDIV has pulled in $440M in less than a year. These income funds have no mandate in their search for yield and roam across dividends (DVY), high-yield (HYG), REITs (IYR, VNQ), and MLPs (AMJ) as necessary. One drawback is their somewhat high expense ratios - in the 60-80 bp range, compared, for example, to DVY at 40 bps. Other M-A ETFs: INKM, IYLD, GYLD, HGI. | 2 Comments
May. 21, 2013, 3:55 PMWisdomTree (WETF) plans a Wednesday launch for its U.S. Dividend Growth Fund (DGRW) - tracking a fundamentally-weighted index of about 300 dividend payers with annual cost of 0.28%. Among the eligibility requirements: Regular dividends for 12 consecutive months and market cap of at least $2B. Individual security weighting is capped at 5%, with sector allocation capped at 20%. Among the large selection of other dividend funds: VIG, PFM, DHS, DTN. More here. | Comment!
CVY vs. ETF Alternatives
CVY Description
The Guggenheim/Zacks Multi-Asset Income Index ETF (NYSE:CVY), the "Fund", seeks investment results that correspond generally to the performance, before the Fund's fees and expenses, of an equity index called the Zacks Multi-Asset Income Index (the "Zacks Multi-Asset Income Index" or "Index"). The Fund expects to use a sampling approach in seeking to achieve its objective. Sampling means that Guggenheim Advisors, LLC (the "Investment Adviser") uses quantitative analysis to select stocks from the Index universe to obtain a representative sample of stocks that resemble the Index in terms of key risk factors, performance attributes and other characteristics. However, the Fund may use replication to achieve its objective if practicable. The Investment Adviser seeks a correlation over time of 0.95 or better between the Fund's performance and the performance of the Index. A figure of 1.00 would represent perfect correlation. The Fund, using a low cost "passive" or "indexing" investment approach, seeks to replicate, before fees and expenses, the performance of the Zacks Multi Asset Income Index. The Zacks Multi Asset Income Index is comprised of approximately 125 to 150 securities selected, based on investment and other criteria, from a universe of domestic and international companies. The universe of securities within the Index includes: U.S.-listed common stocks, Master limited partnerships ("MLPs"), American depositary receipts ("ADRs") paying dividends, Closed-end funds, Real estate investment trusts ("REITs") & Traditional preferred stocks. The companies in the universe are selected using a proprietary methodology developed by Zacks Investment Research, Inc. ("Zacks" or the "Index Provider").
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Thanks for this article! This sentence stood out because it affirms what I've noticed in over 30 years of college/university teaching or consulting: "It is more difficult for higher education decision makers to gauge the benefit of a person's background or life experience on the students…"
More often than not, decision makers (department heads, deans, and search committee members) have little experience outside graduate school, academia and the competitive world of "publish or perish." Yet, they are charged with hiring people students depend upon to learn critical skills for professions outside higher education.
It saddens me to see how many business professors have never worked in a business, or have no leadership/management experience. Often, they teach outdated material and can't answer students' questions about applying business models in the "real world." Likewise, there are communication professors who demonstrate terrible speaking and listening skills through how they teach and interact with students.
An increasingly complex and diverse world requires outstanding, practical leadership and communication skills. I've had hundreds of students and clients complain about not learning what they needed to know because of poorly prepared professors.


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Crane Cams to partner with Berlin Raceway
Marne, MI -- Berlin Raceway is excited to announce a new partnership with Crane Cams. With Crane Cams Ignitions being the required ignition system for the Template Late Models, Crane Cams and Lane Automotive have come onboard and will provide year end product certificates to participants in the Super Late Model division.
"We are excited about the opportunity to work with the great people at Berlin Raceway," stated Terry Johnson, Ignition Product Manager at Crane Cams. "The 2013 season will be the start of a long relationship with the track and the teams."
Crane Cams began in 1953 as Harvey J. Crane Jr. made his first camshaft in his father's shop in Florida. The company grew and enjoyed its first success in the auto racing world in 1961 when Pete Robinson won the NHRA Nationals in Indianapolis. Today, Crane Cams is proud to be a company that manufactures American-made products. Their priority is to make products that are designed, manufactured, machined and assembled in America.
More information about Crane Cams is available by calling 866-388-5120 or find them online at www.cranecams.com
Berlin Raceway's 63rd year of operation will begin on Saturday, April 13 for the 2nd Annual Icebreaker featuring the Outlaw Late Models, Super Stocks, Sportsman and 4-Cylinders. Tickets are just $10 for adults, $7 for students 12-17, $5 for kids 8-11 and children 7 and under are free; racing action will begin at 7:00 p.m. More information about the 2013 season can be found at www.berlinraceway.com.
Join Berlin Raceway text alerts on RainedOut


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Iced Pirouette 5-piece Place Setting by Lenox
Every meal will be sweeter with the Iced Pirouette 5-piece Place Setting, decorated like a fancy wedding cake. Each piece also gleams with mica and platinum accents. .
- Crafted of Lenox white bone china accented with mica and precious platinum
- Includes dinner plate, salad plate, butter plate, can cup & saucer
- Diameter of dinner plate: 10 3/4", salad: 8", butter: 6", saucer: 6"; capacity of cup: 6 oz
- Dishwasher safe
- Made in USA
$158.00 $109.95
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Niche social networks for every taste
Seventeen sites to cater to your every whim
By David Daw | PC World | Published: 16:03, 14 June 2011
Facebook, the world's biggest social network, is so vast that finding your brother-in-law's second cousin can sometimes be easier than finding people who share your particular interests. Enter niche social networks, where kindred spirits unite on such topics as anime, crochet and foreign films.
Obsessed with video games or the finale to Nurse Jackie? You guessed it, there's a social network for it.
Crunchyroll: Anime fans assemble
A social network just for anime fans, Crunchyroll lets anime users connect with each other and offers them access to streaming video of their favourite anime shows from Japan, before they reach America.


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- news
Meet Big Rich Texas' New Cast Members, Cindy and Alex
Earlier this year, Dallas made our list of the top 25 best cities for shopping. It wasn't just because of where its people shop, though, but because of how they shop—as in, a lot. Scary a lot. In my research I remember talking to a dude from American Express who said that their single biggest fashion retail charge last year was at a store in Dallas; nothing in New York City or Los Angeles even came close.
I believe it, especially after talking to a couple of the city's soon-to-be-famous residents, Cindy and Alex Davis. The mother-daughter pair are the newest additions to the Style Network's reality show Big Rich Texas, and they align with that old Texas adage that everything's better when bigger. Even credit card bills.
Unlike her daughter Alex, who shops less methodically, Cindy likes to "buy a ton at one time and then return what doesn't work." For that reason, online stores and local boutiques don't really suit her. "They're so limited on their return policies," she explained, adding, "instead, I shop mostly at Neiman Marcus." (The Dallas-based department store is famously lenient, accepting returns within the first two months for 100 percent credit, third and fourth months for 75 percent credit and fifth and sixth months for 50 percent credit.)
That "buy now, decide later" policy is a nice one for anyone with cushion in their bank account—why commit in store when you can mull it over at home?—and an especially good policy for Cindy. When asked what she thought of her style after watching it on film, she said, "For next season, I will totally change everything that I buy! This season I wore a lot of animal prints and they were so unflattering on camera." Sounds like she'll need to go shopping.
In the meantime, though, we'll enjoy watching everything she and her daughter Alex wear on the show, and if their favorite recent purchases are any indication—16-year old Alex's black Frye boots, Cindy's purple studded Brian Atwood pumps—it's sure to be good eye candy. (Sorta like this season's screaming fights in country clubs and Botox injection parties.)
Watch Big Rich Texas on the Style Network at 8 PM EST, starting Sunday, October 7.
Keep up with the Lucky team on Twitter: Follow @LuckyMagazine
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|Registration Deadline:
|December 01, 2008 about 6 years ago
|To apply for Funding you must register by:
|September 15, 2008 over 6 years ago
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Algebraic statistics is a maturing discipline focused on the applications of algebraic geometry and its computational tools in the study of statistical models. Initial results in the area were related to specific problems in categorial data analysis and experimental design, however a flurry of activity during the past several years has greatly increased the scope of the subject. Areas of interest now include graphical models, maximum likelihood estimation and Bayesian methods. Moreover, a strong connection has developed to applications in the physical and biological sciences. The field draws its tools not only from computational algebraic geometry but also from tropical, convex, and information geometry. Moreover, research in algebraic statistics has led to new directions in those fields. The workshop will be a meeting point for students and leaders in the field. It will present a focused activity parallel to the 2008-2009 program on Algebraic Methods in Systems Biology and Statistics being hosted by the Statistical and Applied Mathematical Sciences Institute. See below for the workshop schedule.
Accomodations: A block of rooms has been reserved at the Rose Garden Inn. Reservations may be made by calling 1-800-992-9005 OR directly on their website. Click on Corporate at the bottom of the screen and when prompted enter code MATH (this code is not case sensitive). By using this code a new calendar will appear and will show MSRI rate on all room types available. The cut-off date for reservations is December 1, 2008. A block of rooms has been reserved at the Hotel Durant. Please mention the workshop name and reference the following code when making reservations via phone, fax or e-mail: 0812MSRIAL. The cut-off date for reservations is NOVEMBER 14, 2008.
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To apply for funding, you must register by the funding application deadline displayed above.
Students, recent Ph.D.'s, women, and members of underrepresented minorities are particularly encouraged to apply. Funding awards are typically made 6 weeks before the workshop begins. Requests received after the funding deadline are considered only if additional funds become available.
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MSRI has preferred rates at the Rose Garden Inn, depending on room availability. Reservations may be made by calling 1-800-992-9005 OR directly on their website. Click on Corporate at the bottom of the screen and when prompted enter code MATH (this code is not case sensitive). By using this code a new calendar will appear and will show the MSRI rate on all room types available.
MSRI has preferred rates at the Hotel Durant. Reservations may be made by calling 1-800-238-7268. When making reservations, guests must request the MSRI preferred rate. If you are making your reservations on line, please go to this link and enter the promo/corporate code 123MSRI. Our preferred rate is $139 per night for a Deluxe Queen/King, based on availability.
MSRI has preferred rates of $149 - $189 plus tax at the Hotel Shattuck Plaza, depending on room availability. Guests can either call the hotel's main line at 510-845-7300 and ask for the MSRI- Mathematical Science Research Inst. discount; or go to www.hotelshattuckplaza.com and click Book Now. Once on the reservation page, click "Promo/Corporate Code" and input the code: msri.
MSRI has preferred rates of $110 - $140 at the Berkeley Lab Guest House, depending on room availability. Reservations may be made by calling 510-495-8000 or directly on their website. Select "I am an individual traveler affiliated with MSRI".
Additional lodging options may be found on our short term housing page.
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3.9 out of 5 (34 reviews)
The capital of Jersey and home to fewer than 30,000 people, St Helier boasts beaches, shopping, and culture. High street shops include department stores, designer shops, and fine quality jewellery boutiques. St. Helier also has the Jersey Opera House, which offers musicals, dance, and comedy.


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Unit Level: Intermediate
Available as a Student Elective: Yes
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Introduces students to symbolic logic, including proof theory, semantics and elementary metatheory of the propositional calculus and the first order predicate calculus, as well as the application of elementary logical techniques to the formalisation of natural language reasoning. The unit is suitable for students wishing to pursue logic further, as well as those wishing to acquire some familiarity with logic for other purposes.
ASSESSMENT: 2 x 1,000-word assignments (20% ea), 3-hr exam (60%)
TEACHING PATTERN: 2 hrs lectures weekly, 1-hr tutorial fortnightly (13 wks)
Note: Class attendance may still be required
Web supported - H,L,WOnline access to some part of this unit online is optional
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Video conferencing - L,WA live video link between campuses is used for at least some teaching in this unit
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Campus - H Hobart, L Launceston, W Burnie. Study Centre - V Sydney, R Rozelle, P Beauty Point. Distance units may also have a campus identifier of I Isolated, N Interstate, O Overseas. Units delivered in Transnational Education (TNE) Programs have a campus identifier of A Hangzhou, F Fuzhou, G Shanghai, K KDU Malaysia, Q Kuwait or Y Hong Kong.
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A first-page critique session will be included at the end of the session.
BIOGRAPHY. JILL CORCORAN is an agent with the Herman Agency. Her current interests include: high concept Young Adult and Middle Grade Thrillers, Mystery, Romance, Romantic Comedies, and Adventure manuscripts.
With an English degree from Stanford University and an MBA in Finance and Marketing from The University of Chicago, Jill has marketed everything from sneakers to cereal at Leo Burnett Advertising, LA Gear, Mattel, and at her own consulting company, LAUNCH! New Product Marketing. Jill is also a children's book author and poet.
For more information, contact Sidonie Wiedenkeller at firstname.lastname@example.com.
Cost: $40 SCBWI members, $50 non-members. Print registration form here
Sunday, February 3, 2013
Grabbing Your Reader from the Very First Line, Feb 9 in CA
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Begin New Search
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Londa Wheatley
member for 4 years, 2 months, 14 days
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surnames; COOPER, FRAKES, JONES, LAMB, (Norweigan) NELSON, OLIVER, RAVELLETTE, ROBB, TEMPLETON, TUCKER, WHEATLEY
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Michelle Shreve
Thank you for the transfer of Viola Suter. I really appreciate it.
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Michelle Shreve
on May 04, 2013 7:30 AM
SJ Oregon
Leland & Priscilla Jenkins
Thanks so much for transferring these two to me -- they're my parents, and now I can add more bio info.
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SJ Oregon
on Jan 11, 2013 9:50 AM
D. D. Thompson
Pearl Thompson Moore
Londa - Thank you so much for creating the memorial for my Grand Aunt Pearl, for taking the nice gravestone photo, and for transferring the memorial to me. I've added information and links and will add more as I come across it. Thanks again.
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D. D. Thompson
on Mar 11, 2012 1:44 PM
D. D. Thompson
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Hello - Unless you're a more direct relative, would you consider transferring to me the memorial of my grand aunt, Pearl Clementine (Thompson) Moore (# 70690438). I have more information that I would like to add and I want to link the memorial to the rest of our family. Thank you for your consideration.
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D. D. Thompson
on Mar 08, 2012 6:06 PM
Baxters in Mt Vernon Cemetery
No relation to me. Great pictures, though. Do you want transfers? ~ Jan
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on May 31, 2011 10:08 PM
RE: John A Oliver, Carbondale, KS
Wow! How awesome to have a relative find something like that! I'm so happy that you sent me a message. I completely feel your sadness about having a family bible sold or given away.
It's just a piece of paper, but I'd love to send the funeral notice to you. My email address is on my Find A Grave profile page. Please send me your mailing address and I'll send you the funeral notice. The only caveat is that I packed the funeral notice away with some of my other antique/thrift store finds when we moved recently and I haven't yet discovered which box they are in yet. My 5-year-old daughter thought the Sharpie markers were for her to draw with, so not all of the boxes were properly labeled. But as soon as I find it I'll definitely send it to you. :)
All my best,
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In the News Archive
May 2014
- Students Cyber Defense Skills Tested - Omaha World Herald
- Surviving a Security Firestorm - RSA Conference
- Secrets for Cutting the Cost of College - Westface College Planning
- President Hawkins' Visits Shanghai Maritime University - shmtu.edu.cn
- Military Center to Bolster Support for Vets - Omaha World-Herald
April 2014
- MHA Program Named Most Flexible - NerdWallet.com
- CST Dean Quoted on Resume-Enhancing Degrees - Yahoo! Education
- Hankin, Cronin-Glimore on High Paying Jobs That Are Fun - Yahoo! Education
February 2014
- Why This Year's Grads Won't Be Prepared - Chief Learning Officer
- New college degree program differs from traditional classroom
- Solving hard school problems by going soft
- Northeast Comm. College inks agreement with Bellevue University
- Bellevue University to require 'soft skills' for students: strong communication, problem-solving
January 2014
June 2013
- Center to bolster support for vets
- Bellevue University looks to participate in PHS High School of Business Program™
May 2013
- Piloting the employee engagement ship of the business
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April 2013
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Citizens would continue fight against EM Law
If Public Act 4, the Emergency Manager Law, is repealed and state Republicans craft and enact another law that takes power from the people, what are you willing to do about it?
I'll work with people who are working against this law. The Emergency Manager Law is no good. My younger brother goes to one of those EAA schools. It's a mess. I've heard there have been lunchroom riots and teachers held hostage. This emergency manager stuff is a joke.
Taqiyya Eliard
We have to fight and overturn it just like we did Public Act 4. (Republicans) think they'll make it invincible but God is on our side. We have to do whatever is necessary. Before I'll be a slave, I'll be buried in my grave.
Reverend David Murray
I should have been closely following what's happening. I know a little bit about Public Act 4 and the little I know, I don't like. I'm willing to work against what is not in my best interest. I'm not sure of any specific thing I'd do.
Ralph Fullilove