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Kate Hughes: Society is beginning to learn about the human cost of debt
Saturday 31 July 2010
The trickle of good news pointing to economic recovery means many of us are looking forward to improvements in our money situations, from the potential for a new job to improvements in investment returns. It certainly feels like things are getting better, so the news this week that a father facing bankruptcy killed his family and himself is particularly affecting.
Just a few days earlier, research from the UK's leading debt charity the Consumer Credit Counselling Service (CCCS) reported that debt problems have far more negative impacts on their clients' lives than we might imagine, often because they have fought to keep their worries a secret. Only a third of debtors had shared the problem with their partner. Ten per cent of people said they told nobody, giving reasons such as "shame", "embarrassment" and "it's quite difficult to acknowledge that you are an adult and unable to manage your finances". The charity found that relationship breakdowns, nervous breakdowns and even heart palpitations are not uncommon.
And just to be clear, this is a largely a legacy of recession, not of extravagance. Only 15 per cent of people had a debt problem because of overspending, but almost half had run into the red because of redundancy, a pay freeze or reduced working hours, a relationship breakdown or having children.
"This busts the myth that recklessness with credit is the main cause of debt problems," says Delroy Corinaldi, of the CCCS. "Rather, it is life itself, over which we often have no control. Such people need practical support to guide them through this crisis."
While it is not surprising that debt problems have a negative effect on people's lives, the extent of the human misery uncovered in the survey is shocking. "There is a lot of focus on the economic implications of the personal debt crisis but we are only starting to understand the human cost of debt problems," Mr Corinaldi adds.
Speaking of life happening to you, the great and the good of the pensions world have got together to work out ways to help combat the effects of rising inflation on retirement income. It's a timely question given the latest predictions for further hikes in the retail and consumer prices indices – the official measures of inflation – and plans announced last month to abolish the obligatory annuity purchase at age 75. The problem is, for those retiring imminently, high inflation will compound the effect of falling annuity rates as we live longer. Twenty years ago a pension fund of £100,000 would have secured an annual income of £15,600 for life. Today it buys just £5,860.
Many people don't realise that they will face a considerable drop in their living standards because of the potential for inflation to rise, warns Chris Evans, CEO of MGM Advantage. "It is important that retirement income is backed by real assets that can keep pace with that inflation challenge.
"The open market option [which allows people to shop around for the best annuity rate] should be the default option at retirement," suggests Tom McPhail, head of Pensions Research at Hargreaves Lansdown. "It could make a huge difference to people taking control of their pension fund. But the biggest problems are lack of engagement and comprehension."
This is a real bugbear of mine. Thanks to the recession, we are now a society that increasingly shops around for the best bargains, and over half of us have made a conscious decision to seek out the best deals in this "age of austerity", according to Santander. We can do it with food, electrical appliances and car insurance, but when it comes to comparing the best annuity deals there is a huge and very expensive block.
Of course your current provider is hardly going to be keen on highlighting the fact that you could take your pension pot elsewhere for a better deal. But the reality is that it could add 30 per cent to the value of your retirement income. Financial difficulties are hard enough when you're of working age as we've seen, and climbing out of that pit while you're earning is tough. But having money worries in old age is disastrous. And far too many of us are sleepwalking into just that situation. www.cccs.co.uk
Kate Hughes is a freelance financial journalist.
Independent Partners; Do you need financial advice on your investments, pension or insurance? Book a free consultation with an independent Financial Adviser at VouchedFor.co.uk
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text:
Ventrus Bio (VTUS) Prices $20M in Financial Actions
- OptumRx to Acquire Catamaran (CTRX) for $61.50/Share (UHS)
- Horizon Pharma (HZNP) to Acquire Hyperion Therapeutics (HPTX) in $1.1B Deal
- Intel (INTC) in Talks to Buy Altera Corp (ALTR) - WSJ
- Top 10 News for 03/23 - 03/27: Kraft/Heinz Mega Food Merger, SanDisk Warns, Biotech Bubblicious
- Dow Chemical (DOW) to Separate Chlor-Alkali Unit, Merge it with Olin (OLN)
Get Alerts VTUS Hot Sheet
Price: $1.45 --0%
Overall Analyst Rating:
BUY (= Flat)
Overall Analyst Rating:
BUY (= Flat)
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Ventrus Biosciences, Inc. (Nasdaq: VTUS) announced the pricing of concurrent, separate underwritten offerings of (i) 5,800,000 shares of its common stock at a price to the public of $2.50 for each share of common stock, for expected gross proceeds of approximately $14,500,000, and (ii) 220,000 shares of its Series A Non-Voting Convertible Preferred Stock ("Series A") at a price to the public of $25.00 for each share of Series A, for expected gross proceeds of approximately $5,500,000. The Series A is non-voting and each share of Series A is convertible into 10 shares of Ventrus common stock, provided that conversion will be prohibited if, as a result, the holder and its affiliates would own more than 9.98% of the total number of Ventrus shares of common stock then outstanding. All of the shares of common stock and Series A in these offerings are to be sold by Ventrus. The common stock offering and the Series A offering are being conducted as separate public offerings by means of separate prospectus supplements, and neither offering is contingent upon the consummation of the other. Ventrus expects to receive combined gross proceeds of approximately $20,000,000 from these offerings, before deducting the estimated underwriter discount and commissions and expenses. Ventrus also has granted the underwriter a 30-day option to purchase up to an additional 15% of the shares of Ventrus common stock sold in the common stock offering to cover over-allotments, if any. These offerings are expected to close on February 4, 2013, subject to customary closing conditions.
William Blair & Company, L.L.C. is serving as the sole book-running manager of the public offerings.
William Blair & Company, L.L.C. is serving as the sole book-running manager of the public offerings.
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Relevant offers
Saints from Marlborough maintained their position at the top of the Intercity senior men's competition after a close fought 6-5 win over Nelson's Stoke Eagles at A and P Park, in Blenheim, on Saturday.
Saints player/coach Darren Aldridge, while happy with the result, wasn't so pleased about the way his team went about it, claiming fielding errors made their task much more difficult than it should have been.
The Schollum brothers, Ryan and Kurt, were ultimately responsible for the key plays which got Saints home. Ryan whacked a brilliant in-the-park home run to right field then younger brother Kurt nailed it on the pitching mound, striking out six Eagles batters in a row to wrap up victory.
Saints flew out of the blocks with three runs in their first turn at bat but the visitors stormed back in their first bat to score four runs.
Kyle Marfell continued his brilliant recent form at the South Island Jefferies Cup and national Fast-Pitch championships by smashing an automatic home run. Barney Parnell made a couple of hits and youngsters Tyler Aldridge and Denom Wisdom picked up valuable walks at crucial times.
Central were out-batted 5-10 by Nelson visitors Waimea Eagles at A and P Park.
Like the Saints match, Central started impressively scoring two runs in the first innings but Waimea replied with four runs and from then on dominated.
Graham and Nick De Boo, Nathan Lovell and Brad Clark all picked up hits but unfortunately Central were unable to capitalise on getting all their runners on base home, three left stranded on base in the fifth.
Player/coach Graham De Boo said his team fielded well but the impressive pitching of Canadian import Brandon Peck proved the difference, Central not being able to get enough bat on ball to stay with their rivals.
Wairau scored an 8-0 win over Nelson Pirates and lost 1-3 to Titans from Nelson.
- The Marlborough Express
Sponsored links
Results prompt call for rebuild
Player points up for grabs again
Bateman sick of being the bridesmaid
Hargest, Barnes take the honours
Bohally qualify on back of captain's brace
Craig superb in taking men's open third spot
Awatere, Pelorus set early benchmark
QCC mixed side finish season on high note
Marlborough trio head up north
Cannons made to work for victory
Marlborough is No 2 strong painkiller prescriber
Accused tells court he feared for his life
'Nothing sinister' in debate over Besley successor
Judge: Wife just a bystander in drug operation
Havelock hits the spot with BBC TV director
Galloway and Zeilinger go to a whole new level
French takes out caddie of the year
New Year's parties to have new organiser
Schools eye gay-straight support groups
Artist's work highlights festival history
Massey Ferguson rolls into Blenheim on big trip
Award 'icing on cake' for best Marlborough business
Accused tells court he feared for his life
NZ wine high on Top Gear team's demands
Havelock hits the spot with BBC TV director
Judge: Wife just a bystander in drug operation
Marlborough is No 2 strong painkiller prescriber
Logging firm Waimea Contract Carriers calls in administrators
Baby (seal) sitters wanted for Ohau Point
Marlborough jobs at risk if transport firm closes
Crashed cyclists 'overcooked' corners in the wet


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Updated 05/12/2014
In a circa-1892 former store and home, chef William Arnel and staff create a contemporary setting with a stylish granite bar, Andy Warhol originals, and glass oil lamps. Favorites include "lobster tango mango," flambéed in cognac and served with saffron butter sauce and sliced mangoes; filet mignon with bordelaise sauce; and yellow tail Atocha with lemon brown butter, shrimp, and scallops.
1007 Simonton St., Key West, Florida, 33040, United States
Website: www.pisceskeywest.com
Restaurant Details:
Updated 05/12/2014
By FLheart
Dec 25, 2006
4 of us for dinner, 2 glasses of wine and one cocktail ($300 including tip). Portions very small, quality good but not excellent. I tried the signature Lobster dish @ $49 was good but certainly not to die for! Service was good, but would not return again quality vs price did not add up. A disappointment.


text:
- Spence Jackson, spokesman for the late Tom Schweich, found dead of apparent self-inflicted gunshot wound
- Former Cardinals player punched at St. Louis County gas station after racial slur
- Man beaten on MetroLink train after attacker asks him about Michael Brown, police say
- How six NFL owners will change the fate of St. Louis football
- Bernie: Cards are MLB's most profitable team
- Cardinal Raymond Burke: Gays, remarried Catholics, murderers are all the same
- Cards put 'brakes' on Garcia after lefty has setback
- Woman found shot to death inside University City office identified
- KSDK silent on newsroom aide who helmed Ferguson marches
- Bernie: NFL will do what it wants
Press Releases
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Use the navigation at right to post, search and review. The Post-Dispatch has reviewed the contents of these news releases for language before they were posted on STLtoday.com, but has not verified their accuracy. PR Zone is free, but you must register (at right) to submit a release.
Clayton Chamber Offers Public Trips to China and Spain in the Fall
CLAYTON, MISSOURI – The Clayton Chamber of Commerce is offering two exciting destinations to travel to in 2015. One may discover China or explore Spain by traveling with the Chamber which is an economical way to meet people and see the world. One
Submitted By Mary-Ellen | March 30, 2015 | 11:28 AM CDT
MVF Announces Power Pitch 2015 for Entrepreneurs: Mock Presentations to Real Investors Provide Valuable Insights
Entrepreneurs interested in learning how to improve their chances for funding from angel investors and venture capitalists will want to attend the "Power Pitch" program presented by MVF, featuring mock presentations to real investors by two
Submitted By frankelpr | March 30, 2015 | 11:18 AM CDT
BerkelyMed Names Kevin Knudson as Senior Vice President
Chesterfield, MO, March 23, 2015 - Kevin Knudson has been appointed to Senior Vice President – Distribution Management, a new officer position within BerkleyMed. His new role as a member of the leadership team will be to develop and maintain a
Submitted By BerkleyMed | March 30, 2015 | 11:05 AM CDT
Kirk Stange selected as one of the Top 100 Trial Lawyers by The National Trial Lawyers.
Stange Law Firm, PC is happy to announce that Managing Partner, Kirk Stange, has been selected as a 2015 Top 100 Trial Lawyer by The National Trial Lawyers.
The National Trial Lawyers: Top 100 is an invitation-only organization
Submitted By Brenna Koonce | March 30, 2015 | 11:03 AM CDT
ButcherJoseph & Co. Assists TMI Hospitality in Sale to Starwood Capital Group
ButcherJoseph & Co. ("ButcherJoseph") served as one of the financial advisors to TMI Hospitality ("TMI" or the "Company") in its sale from the TMI Hospitality Employee Stock Ownership Plan
Submitted By Rose Newport | March 30, 2015 | 10:41 AM CDT
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March 27, 2015
Bass fishing is good. The lake is full. Start at the mouth of the major creek and large coves and work your way back into the creeks and coves. Fish boat docks, wood structure, and sea walls. The fish are holding tight to cover. Use rattle traps, and small crank bait with rattles fished on sea walls and around docks. Dark Jigs with a rattle, brown, blue and black have been the best colors. Fish these around wood structure on the main river pockets above Sugar Creek. Spinner baits fished along any rock bank will also draw a strike.
Striper fishing is good. The fish are starting to show up at the dam for the spring run. Live bait fished on down lines along with flat lines and plainer boards will pick up fish. If the water clears up the umbrella rig bite will also produce fish.
PRODUCT FEATURED THIS MONTH: Take a look at these new stickers for tackle boxes: www.highwaterscreations.com


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It seems to me like some people on here can't wait for someone to post something they don't agree with so they can be a bulky and just nasty. It's like everyone just hops on the bandwagon. I've never seen anything like it. If you don't agree with something you don't have to be nasty. It's like high school or something. People like the drama. We are all going to be mothers or already are mothers. Is this how you would want your child to treat people or have someone treat your child. Let's be a little more considerate of people's feelings and not so judgemental. I've read posts on here that are s little out there, but people just take it to the extreme with there comments. Anyone else feel this way? And now I'm not looking to be attacked and criticized, just trying to get people to lighten up a little bit and just be nicer to people. This isn't what I expected at all when I joined this site.
I feel like I'm back in high school
Posted 01/21/2013
Memes are the best thing about these kinds of posts!
I would like to forget anytime I was eyes to nuts, but these look like Donald Trumps nuts. Ginger comb over nuts. - Nuagent
Posted 01/21/2013
And it's late night Sunday. Of course we have nothing to do but look up witty pictures to use against your ridiculous argument. Apparently you don't have much else to do either... so... Hmm, this is awkward...
Kelly (27) married to Brett (28) 6.25.11 <3
Dallas arrived 4.17.13 at 37.4 due to pre-e
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text:
Recent Posts in 'Archive of Past Shows'
Upcoming March 2015 | "CASCADE FALLS – – What does the American Dream mean anymore?" | Bruce Ferber
AIRED: March 23, 2015 – 11:00 am PST :: Raised to believe that with hard work, anything is possible, a staggering number of Americans hate their jobs and see little chance of ever escaping the grind. In his tragicomic follow up to the laugh-ridden Elevating Overman, Bruce Ferber (Home Improvement, Growing Pains, Sabrina TV comedy writer), asks the question: "How does giving up our dreams affect our relationships and our psyches?"
"Ruby – The Ugliest Human Behavior Has No Power to Quash the Human Spirit" | Cynthia Bond
AIRED: March 9, 2015 – 11:00 am PST :: Cynthia Bond's breathtaking prose in Ruby (Oprah's latest Book Club 2.0) is a radical assertion that the ugliest human behavior has no power to quash the spirit of a great writer.
"The Latest On Collaborative Family Law Practice" | Gerry Maggio
AIRED: March 2, 2015 – 11:00 am PST :: According to Gerry Maggio, there are attorneys who adopt a one-size-fits-all, scorched-earth approach to divorce cases that amounts to being overly-aggressive when many cases do not justify such an approach. When this occurs, the outcome often results in huge legal fees and an opposing party who now hates the other spouse or partner.
"The Journey of the Heroic Parent: Your Child's Struggle & The Road Home" | Brad M. Reedy, PhD
AIRED: February 23, 2015 – 11:00 am PST :: Healthy parenting leads to a healthy life for the whole family, and The Journey of the Heroic Parent teaches readers how to find peace and security in their skills as a parent, and help they get comfortable exactly where they are. Even if they have made mistakes, even if they think they've failed, they still have the power to be a great parent.
"How Balance is Your Life?" | Dr. Marissa Pei
AIRED: February 9, 2015 – 11:00 am PST :: Dr. Marissa Pei believes that even though we are living at higher rates of affluence than we were decades ago, Americans are at our highest rates of Life Dissatisfaction…what I call the Dis-Ease or Unhappiness with Life. Step up to her Balance Bar and order a lemonade … No…she's not trying to make you drink the Kool-Aid, but she can help you make a refreshing menu out of life's lemons.
"Eye to Eye, Connect and Engage in Effective Joyful Parenting" | Dr. Gloria Walther
AIRED: February 2, 2015 – 11:00 am PST :: Dr. Gloria Walther's new book, Eye to Eye, advocates the benefits of respectfully interacting with children at their own level, both physically, by adjusting to face them at their eye line, and emotionally, by viewing situations in terms of their young perceptions.
"What Does It Take to Get Our Children to Read" | Laurice Molinari
AIRED: January 26, 2015 – 11:00 am PST :: Our guest, Laurice Molinari, believes that providing books that pique a child's interest can be the beginning of a lifelong interest in reading. She states, "The only reward our children need to get them to read is to give them a book they will love. Hopefully, a book with a story that continues, where they can look forward to the next installment."
"Parenting with a Story: Real-Life Lessons in Character for Parents and Children to Share" | Paul Smith
AIRED: January 5, 2015 – 11:00 am PST :: Parenting with a Story gathers 101 narratives from people around the world and from all walks of life, reflecting unexpected moments of clarity about who they are and how they should treat others. The lessons illuminate the power of character—integrity, curiosity, creativity, grit, kindness, patience, gratitude, and more—to prepare us for anything.
Back by Popular Demand "Meet Jamie Now: A Life Free of Autism" | Krista Vance
REPLAY: December 29, 2014 – 11:00 am PST :: Krista Vance, author of Meet Jamie Now: A Life Free of Autism, shares her story that inspires laughter, tears, and most of all, hope. With her strength, love of family, and never-failing optimism, Krista Vance proves that almost anything is possible, including curing autism.
"Football Safety and Its Impact on Youth Sports"|Steve Wright
AIRED: December 22, 2014 – 11:00 am PST :: Former NFL lineman Steve Wright believes that for the sport to continue thrive, improved safer football equipment must be developed to keep up with the bigger, faster and stronger players of today.
"BEYOND ADDICTION Part 2 – How Science and Kindness Help People Change" | Carrie Wilkens PhD, & Nicole Kosanke PhD
AIRED: December 15, 2014 – 11:00 am PST :: Beyond Addiction, is a powerful new book that offers an alternative to the twelve-step program. Its powerful message is one of hope—showing family and friends how they can use kindness, positive reinforcement, and motivational and behavioral strategies to help their loved ones change.
"FAREWELL, ALEPPO – Syria of the past when Jews Muslims & Christians lived in peace" | Claudette Sutton
AIRED: December 8, 2014 – 11:00 am PST :: When we hear the word Syria, we think perpetual civil war, ISIS, and a death toll nearing a quarter million. Most of us aren't aware of the Syria described in journalist Claudette Sutton's new memoir, Farewell Aleppo, a time when Jews, Muslims and Christians lived side by side as they had for centuries, attending school together, living and practicing what they believed.


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Alliant Energy requests 1.9% Wisconsin rate increase in 2014
- David Schuyler
- Digital Producer- Milwaukee Business Journal
- Email | Twitter | LinkedIn
Alliant Energy Corp.'s Wisconsin utility, Wisconsin Power & Light Co. of Madison, has filed for a 1.9 percent increase in retail electric rates in 2014 to offset higher electric fuel costs next year.
The rate increase, filed with the Public Service Commission of Wisconsin, will result in an increase of $1.14 a month for a typical residential customer. The increase also includes savings from 2012, when actual fuel costs came in lower than expected. Without the savings, the 2014 increase would have likely topped 3 percent, Madison-based Alliant Energy said.
Alliant Energy's annual electric fuel cost plan filing is expected to receive PSC approval by the end of this year. It would become effective Jan. 1, 2014, and would be in place until the end of 2014.
David Schuyler is Digital Producer overseeing website content and also serves as a reporter covering the arts and nonprofit organizations for the Milwaukee Business Journal.
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Overcast ~
River stage: 23.32 ft. Rising
Friday, Mar. 27, 2015
My favorite tree in Cape twinkling in ice
The following story has been submitted by a user of semissourian.com. To submit your own story to the site, click here.Sunday, February 1, 2009
Note: The nature of the Internet makes it impractical for our staff to review every comment. If you feel that a comment is offensive, please Login or Create an account first, and then you will be able to flag a comment as objectionable. Please also note that those who post comments on semissourian.com may do so using a screen name, which may or may not reflect a website user's actual name. Readers should be careful not to assign comments to real people who may have names similar to screen names. Refrain from obscenity in your comments, and to keep discussions civil, don't say anything in a way your grandmother would be ashamed to read.
Is that the tree you can see off Mt. Auburn, before you get to the stoplight at Independance? On the right hand side when going towards the Mall? I enjoy looking at that huge tree also, and the field with horses, surrounded by all the buisness grown up around them... Like a peacefull island...
-- Posted by Pat Harp on Mon, Feb 2, 2009, at 12:06 PM
It is beautifully shaped and so majestic on top of that hill.
-- Posted by online_reader on Mon, Feb 2, 2009, at 3:32 PM
Last week's most read stories


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Analysis & Opinion
Islamic scholars establish prizes for peace, recommend Muslim peace teams
By Reuters Staff
March 11, 2014
uae abu dhabi muslim islamic scholars peace prize council
(Forum for Promoting Peace in Muslim Societies session, March 9, 2014/Sohail Nakhooda)
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As Religion Editor based in Paris, I cover main religion developments, coordinate religion news coverage and run the FaithWorld blog. Since joining Reuters in 1977 in London, I've worked in Vienna, Geneva, Islamabad, Bangkok, Hong Kong, Bonn and Paris. My book Unchained Eagle: Germany after the Wall was published in 2000. In 2006, I received the European Religion Writer of the Year award and FaithWorld was awarded the RNA 2012 Best Online Section prize.
Any opinions expressed here are the author's own.
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Sci-Fi & Gaming News Archive - January 28, 2013
Console makers have been trying for years to enter the Chinese market legally, but have had no success. According to a new report, authorities there will begin reviewing a ban against video game consoles set in place in the year 2000.
Word of the Day
- Large; stout; burly.
The word 'bowerly' is an alteration of 'burly'.


text:
The Force is what gives a Jedi his power. It's an energy field created by all living things. It surrounds us and penetrates us. It binds the galaxy together.
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The 10 Commandments of RPGs
This Ruptured Nation Can't Agree on Who Makes the Worst Music
Man Argues With Husky, Husky Pretty Much Wins
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This Seethingly Homophobic Congressman From Idaho Forgot ...
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The 16 Best Thrones Made Out of Anything But Iron
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Here's hoping they still look to your conferences for the answers instead of Google. With that said, it can be useful to get a feel for what the world in general is looking to know more about by checking out the 2009 Year-End Google Zeitgeist. It is an analysis of what people have used Google to search for this year, which not suprisingly means Michael Jackson, Lady Gaga, and acai berries.
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in Sports
WELCOME TO THE SUNDAY AFTERNOON SPECULATION SPORTS PODCAST...pumpkin ball talk...march madness..SHOULD I CARE..punks play pumpkin ball...NFL NEWS...how are my dallas cowboys doing...is jerry jones BEING A FOOL...or evil smart guy..NHL PLAYOFFS..who is in and out?..MY BLACKHAWKS ARE MAKING A RUN..the wild..will they get into the post season?...NASCAR..ass-car...HOW IS THE KILLER OF MY PODCAST DOING..the curse..is on baby..BASEBALL TALK..I GUESS..fantasy sports talk...hell no...tweet and facebook the show 4 me...rugburn is in the house..WHO WILL BE THE IMBECILE OF THE SHOW TODAY SPORTS FANS...WE SHALL SEE
Lee Bice-Matheson,Destiny's Gate
in Books
Live from a place of love. It conquers all that is evil.
Shaken by the haunting from Conall, Paige Maddison hopes to put it behind her. When Paige's premonitions, nightmares, and ghostly visions return, however, she realizes there is no way of getting back to the normal she once knew. Try as she might to adjust to her new life at the O'Brien Manor, dark forces begin to brew on the grounds of the haunted O'Brien estate. Paige becomes the unwilling target of the Earthbounds, anguished souls who seek revenge and retribution.
But where there is darkness, there is also light. Through an enigmatic string of events that has her questioning who she truly is, Paige soon learns that she is not only being watched over by guardians of both the spirit and mortal realms, but also being called upon by a greater power beyond her wildest comprehension. As her world is turned upside down, Paige faces a life-changing dilemma: Should she embrace her special gift and fulfill the destiny that is unfolding before her? Or will she succumb to the evil that surrounds her and deny her true identity?
Destiny's Gate, book two in the Paige Maddison Series, follows the young heroine on her personal journey of discovering inner strength, undying loyalty, and the profound power of unwavering love.
How can we Overcome our Smallness and Grow
in Religion
The Old Testament lesson for the fourth Sunday of Lent speaks of snakes, (Numbers 21.4-9). The New Testament reading speaks of Crosses. (John 3.14-21). The Epistle lesson speaks of grace and faith.(Ephesians 2.1-10). Strongs words in the middle lessons speaking of human persons says, " But God, being rich in mercy, because of the great love with which he loved us, even when we were dead in our trespasses, made us alive together with Christ."
One sees the smallness of the Isrealites as they bickered and complained about their situation in life. Perhaps one is frightened by God's answer of fiery seraps which inflict pain and even death upon them. Or maybe, one is angry that God allowed himself to be angry. After all, many say, isn't God perfect, so how can God allow himself to be angry. Some others may see in this justice and a retribution. Anyway! It is definitely not a good situation. So why the bronze serpant? Why does Jesus compare it to the cross? Why does Paul say that we are dead and can only be alive when we are "with" Christ?
These are the topics for this Lenton season, for this program. Tune in and find out what "good news" in contained in these three readings from the Bible.
in Sports
WELCOME TO THE TUESDAY MORNING SPECULATION SPORTS PODCAST...LET;S TALK SPORTS TODAY..THE WILD WILD...NFL FREE AGENTS..GOOD LORD...MONEY MONEY...fantasy sports talk..GOD NO...will wild get in 2 THE NHL PLAYOFFS...baseball is starting up..SHOULD I CARE FOLKS..movies..WAY 2 SLOW PEOPLE...PUMPKIN BALL TALK...yea right..nascar..ASS-CAR TALK...on 2 AZ....how is the killer doing...WILL MY DALLAS COWBOYS MAKE A BIG MOVE..or will jerry jones miss the boat again..BITCH PLEASE...who will be the imbecile of the show..RUGBURN IS IN THE HOUSE..tweet and facebook the show...live from the treehouse..and away we go
*HONEYCOMB CONVERSATIONS...The Lesson... The Miscarriage of LOVE...
in Spirituality
you will heal from this… it is but another pearl of wisdom, for your sacred treasure box… you are not an entertainer...to bee paraded in someone elses bipolar purpose driven fulfilling freak show… you are not a slave on anyones auction block...to bee fondled examined and explored at whim in full view of public eye...you are not some spineless fragile thing...that must accept the pain and servitude of bondange...be it mental physical emotional or spritual…
you came into this world...with purpose...with divine will...and jaguar heart… your own birth mother...could not strip you of this...identity… this sense of divine justice and retribution...many have tried to break you… to belittle you… to take away who you know yourself to bee… and yet...you...stand… you crawl...you get back up...telling this world system to kiss your ass...because you will not… bow, eyes lowered, while you spread your cheeks...to the ravagement of your spirit…
in Comedy
welocme to the weekly cowpote podcast...MY NAME IS JEFF....let's talk about fear mongering...GHOST HUNTING...isis..people ARE joining..should i care..is 44th and his hechmen going take away the net from us trolls....MY BROTHER THE BITCH IS TELLING YES..i say bitch please...HELL NO..specualtion sports is in the TREEHOUSE..NFL COMBINE..MOCK DRAFT....sports talk...NHL...NBA...NFL...MLB...fantasy sports talk..BILL CLINTON IS ALWAYS IN THE HOUSE..calling out the punks up on the hill..VOTE ALL THE PUNKS OUT...are chicago blackhawks...DONE...in the first round....CURRENT EVENTS...NEWS TALK..who is being a punk in news now..who will be the imbecile of the show..MUSIC FREE AND COMMERCIAL FREE PEOPLE...should i join ISIS
in Comedy
WELCOME TO THE WEEKLY COWPOTE PODCAST...LET'S TALK SPORTS...SPECULATION SPORTS..IS IN THE TREEHOUSE....NFL COMBINE..THE NFL OLYMPICS...THE FOOD STEALER...IS HE WORTH IT?...WHO DID WELL...WHO SUCKED?...GHOST TALK..ARE THEY REAL?...IF YOU WANT THEM 2...THEY CAN...I GUESS....DO NEED SOME HELP..DR. COWPOTE...HELL YES..I CAN HELP...BILL CLINTON..IS ALSO..in the house...J.J...he can dig up a body..WEEKLY EVENTS....ISIS...KILL THEM ALL..BITCH PLEASE...IF YOU HELP..ME AND RUGBURN CAB HELP YA...HELL YES...FANTASY FOOTBALL TALK...OR BASEBALL...BITCH PLEASE...WHY SHOULD I CARE?..HELL NO...who will be the imbecile of the show...GANG STALKING TALK..SURE..scam way...tweet the show..live on SPREAKER..TALKSHOE..comm and music free...cloby the kitty..SAY'S..meow meow....WHO WON THE BIG RACE TODAY...THE KILLER...WE SHALL SEE SPORTS FANS
Urban Squirrel Alliance: The Gluten Debacle
in Books
Do you have fits when your snobby friends espouse their pro-gluten ways?
Are you tired of your boyfriend making you pizza with ground, frozen cauliflower as the crust?
Do your coworkers look like a world-class athlete while inhaling the superfood called quinoa?
Topherford swoops in and unravels the Gluten Debacle.
Don't be a DB -- listen to Topherford. In 15 minutes you will be fully armed to impress your friends and get the girl.
You're welcome, you furry little beast.
The Urban Squirrel Alliance is a podcast following the hilarious rantings of author Christopher Huntingford and his alliance of truly random friends and guests.
This weeks' special squirrely guest: Tony Calvano.
Fan Page: https://www.facebook.com/urbansquirrelalliance
Bookmark our Podcast! http://www.urbansquirrelalliance.com/ -- Hop in the chipmunk chat during the show and listent to archives 24/7.
Paste the upcoming show to your calendar! Do it! http://www.blogtalkradio.com/urbansquirrelalliance/2015/02/21/urban-squirrel-alliance-the-gluten-debacle
Call in to speak with your holy host: (929) 477-1765. Be forewarned - you will be categorized as an ally of the USA or a nasty, worthless raven! 619-555-1212
Episode 267: Samuel B. Roberts and Operation Praying Mantis, best of
in Military
Narrow seas, unseen mines, punitive expeditions, and "come as you are" ASUW on the sea and in the air.
Yes, it has been a quarter-century, but little has changed since the USS SAMUEL B. ROBERTS (FFG-58) struck a mine, and in retribution, the US Navy launched Operation PRAYING MANTIS.
The tactical and operational aspects of each, as well as combat leadership, remain constant even while the tools may have changed a bit.
To discuss this an more, our guest for the full hour will be Brad Peniston, author of "No Higher Honor: Saving the USS Samuel B. Roberts in the Persian Gulf," recently released by the Naval Institute Press in paperback and on Kindle.
in Sports
welcome to the sunday afternoon speculation sports podcast....nascar talk... boy...and the killer MR. TONY STEWART...get on the scale punk..BITCH PLEASE..and of course...MR PETE ROSE...lies...no he should NOT..get into the HALL OF FAME....a-rod...PUNK..DO WE CARE..pumpkin ball...all-star game..WEEKEND..should i care...I WILL TRY 2 CARE ABOUT BASEABALL....NHL...HELL YES...why i need 2 care about NASCAR...hell yes...NHL BABY...ARE THE WILD GOING 2 MAKE ME LOOK BAD AND MAKE POST SEASON..and lose 5 bucks 2 the wife..HELL NO..how are my chicago blackhawks doing?...LET'S TALK SPORTS...live on the shoe..and youtube....RUGBURN IS IN THE TREEHOUSE..who will be the imbecile of the show...FANTASY SPORTS TALK...hell no...we don't with are mom or dad
Secret War on Black America and Victims' Families, Part 3
BLACK HISTORY MONTH 2015 - "Human Rights Demand" began a discussion on Wednesday, January 28, which continues throughout February: "Secret War on Black America and Victims' Families." Please call (347)857-3293 Wednesdays at 9pm EST to participate. Family members of victims often experience retaliation in the form of financial persecution, police harassment, arrests, or even murder, especially if they expose and oppose wrongful convictions or wrongful deaths. In the bad old days, crosses would burn in Black survivors' yards to warn them against seeking justice after lynchings. Retribution sometimes happens to non-relatives and unrelated supporters, i.e., attorneys and civil/human rights advocates.
I didn't arrange for guest speakers for February 11. I thought we'd rap about ORGAN THEFTS.
Our Black History Month program series is announced in this article:
Part 1 is archived at Blogtalkradio at this Jan. 28 link
Black History Month programs will be on air from 9pmEST until 11pmEST every Wednesday in February, unless CoIntelPro gets frisky.
in Religion
- ...
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Edit hours
Your Tigard,ORP.F. Chang's features a blend of high-quality, Asian-inspired cuisine and American hospitality in a sophisticated, contemporary bistro setting.
Lettuce wraps are yummy!
awesome service the lettuce wrap rocks.
Excellent food and low glycemic!
Sea bass, salmon, prawns, fried rice, garlic noodles, dumplings = yes. Lo mein, changs chicken, lettuce wraps = sleepy time for you and your server.
Dynamite shrimp, crispy green beans, pan-fried shrimp dumplings, vegetable chow mein, and I could go on and on -- just simply awesome! Never get tired of their food. Friendly staff and great service.
BEST BEST BEST calamari everrrrr. EAT IT. :)
Come early to get your name on the list. They give you a pager so you can shop while you wait. We ended up being called after an hour and a half.
If you are gluten- free come here. They take you seriously!
Great gluten free menu.
Ginger beer and lettuce wraps are what's it's all about!
dynamite shrimp
Decent happy hour, but required to actually sit at the bar. There are no tables in the bar area.
Plum wine is a must have
Amazing Chinese restaurant. Manghalian beef is the best
Let hostess know u are waiting for pickup or be standing for long tyme
Love the shrimp and lobster sauce!
Pad Thai isn't so great but the crispy honey chicken is tasty.
First time here and I love it!
Vegans can enjoy the meatless lettuce wraps. Other items on menu for vegans. Makes it easier for the whole family to go out to eat.
Do not get the salmon and rice/asparagus. No flavor.
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Tags post-rock, love, rock, valentine's day
Genres indie, alternative, pop, rock, post-rock (beta)
(flag as incorrect)
Artists The Cure, Phil Collins, Angus & Julia Stone (beta)
March 21, 2012
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[VIDEO] Ariana Grande And Mac Miller Show Ellen "The Way"
May 29, 2013 4:19 PM
No! They're not dating! It appears to be the big question right now, but Ariana Grande and Mac Miller DO make a great team when it comes to performing together, which is what they did recently on Ellen.
Even though she talks about her "bad boy" in "The Way," we think that real life boyfriend Jai Brooks seems just as sweet as she does.
What's New On JAMZ
- Justin Bieber Scrapped a Whole Album, Is Working on New One with Kanye West, Rick Rubin
- Madonna: Calling TIDAL the llluminati Is 'the Highest of Compliments'
- Did Louis Tomlinson Diss Zayn Malik at a Recent Show?
- Watch the First Episode of Hayley Williams' New Beauty Web Series 'Kiss Off'
- Ed Sheeran Reveals Late Summer U.S. Tour Dates
- Fashion Find Of The Week: DSW Studded Rust Sandals
- Fifth Harmony Say Zayn Malik Leaving One Direction is 'the End of an Era'
- Louis Tomlinson, Naughty Boy Feud on Twitter Over Zayn Malik Tweet
- This Is What TIDAL Looked Like in 1919
- Ed Sheeran Extends North American Tour With Orlando Date


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Gmail is down. Here is how St. Louis is coping
- Matthew Hibbard
- Social Engagement Manager - St. Louis Business Journal
- Email | Twitter | Facebook | Google+
The Internet is going through a minor crisis this afternoon — Gmail is down, impacting not only individuals but businesses and nonprofits.
When users logged on to Google's cloud-based email service to check their email, there were greeted with this message:
"We're sorry, but your Gmail account is temporarily unavailable. We apologize for the inconvenience and suggest trying again in a few minutes."
By 3 p.m., many people were able to access their Gmail again, but others were still having issues.
Naturally, if something goes wrong on the Internet, people turn to social media to voice their concerns.
I've been scanning the St. Louis Twitter chatter this afternoon. Here's what people are saying:
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Obama warns of potential police layoffs
Asks congress to extend some programs from the first stimulus package
By Kara Rowland and Stephen Dinan
The Washington Times
WASHINGTON, DC — Though he didn't call it a second stimulus, President Obama this weekend asked Congress to pass legislation that amounts to much the same thing: extending some of the first stimulus bill's programs and adding some of the White House's new priorities such as small-business lending and a tax on big banks.
Five months from congressional elections and with the job picture still gloomy, Mr. Obama said the country is "at a critical juncture" economically. He asked lawmakers to pass a bill that would fund state and local government jobs and encourage small businesses to hire.
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PoliceOne top 5
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A Vietnamese horticulture contractor in the Tasman region who underpaid workers by up to $7000 each has been sentenced to nine months home detention.
In the Nelson District Court, Bun Thuon Lam has also been ordered to do 200 hours community work and pay reparation of $10,000, to be divided between the six workers involved.
Immigration New Zealand said the sentencing for hiring unlawful migrant workers who were all paid below the minimum wage sent a strong message to employers who might contemplate employing migrants who were not entitled to work in New Zealand.
Lam, who has New Zealand residence, admitted five charges under the Immigration Act relating to aiding and abetting people to remain in New Zealand unlawfully or to breach a condition of their visa.
The court heard that Lam employed the six in the horticulture industry in the Tasman region knowing they were unlawfully in New Zealand.
The workers were not paid the minimum wage for the hours they had worked, were not paid regularly and were not paid any holiday pay. None of the workers had employment contracts and no wage or time records were kept.
A Labour Inspector analysis of the hours worked by the workers estimated they were underpaid between $5000 and $7000 each.
The Labour Inspectorate had previously taken Lam to the Employment Relations Authority. In May 2011 the ERA ordered Lam to pay five of the workers a total of $36,938 in unpaid wages, minimum wage arrears, public holiday pay, failing to provide individual employment agreements and making deductions from pay without obtaining written authority from the employees.
Immigration New Zealand's acting fraud and compliance manager Dean Blakemore said that the employment of unlawful migrant workers would not be tolerated. ''This case shows that the consequences of such behaviour are serious. We will take swift action against any employer who is involved in such activity.''
Blakemore said the case was a good example of close collaboration between INZ fraud and compliance staff and the Labour Inspectorate in the wider Ministry of Business, Innovation and Employment.
''The ministry is treating this issue as a priority and INZ and Labour Inspectors' compliance activity is being increased,'' he said.
''Most employers and most migrant workers are complying with the laws of New Zealand – they are being undermined, and New Zealand's reputation sullied, by some who are breaking the law.''
- The Nelson Mail
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text:
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text:
Meir Panim delivers warmth, special care to families in need.
This was not a case of someone embezzling money for personal gain. He leveraged everything he had for the company. He mortgaged his own home in order to stave off the company's bankruptcy. He did not seek personal gain at the expense of others. He was simply trying to keep his business afloat.
The Iowa attorney general and the U.S. attorney, while ostensibly seeking justice, have instead destroyed a company, shattered the lives of hundreds of families and eviscerated the economy of a region. Justice has not been served in this case; indeed it has been diminished. (JTA)
About the Author: Rabbi Menachem Genack is chief executive officer of OU Kosher.
Comments are closed.
My beliefs & actions have led to numerous death threats against me; my excommunication by my church
In November 2014, Islamic Relief Worldwide was classified as a terrorist organization by the United Arab Emirates.
Too rarely appreciated for its symbolic weight; it can represent freedom and independence.
Erica Pelman is a spiritually-driven woman. She is founder and director of "In Shifra's Arms" (ISA), an organization that offers aid to pregnant Jewish women of all religious backgrounds practically, financially and emotionally. Its arms are open to any pregnant woman in need whether single, divorced, separated, or from a financially-strapped family. "Presently, we are […]
Many so-called "humanitarian NGOs" frequently abuse Israel by applying false moral equivalencies
Israeli history now has its version of "Dewey Defeats Truman" with headlines from 2 anti-Bibi papers
In God's plan why was it necessary that Moses be raised by Pharaoh, away from his own family&people?
In their zechus may we all come to appreciate that life is a fleeting gift and resolve to spend every precious moment of it as if it were the last.
In any event, Mr. Netanyahu after the election sought to soften his statement on Palestinian statehood and apologized for what he conceded were remarks that "offended some Israeli citizens and offended members of the Israeli Arab community."
A worthy idea any way you look at it.
There is something quite distinctive about the biblical approach to time.
The Waqf kept control of the Temple Mount due to Dayan's "magnanimity in victory" after 6 Day war
The event promotes "1 state" solution (end of Israel as a Jewish State), BDS, lawfare against Israel
I rescued you?! You're doing me a favor letting me help you!
The unusually severe sentence of 27 years in prison for Sholom Rubashkin is a victory for a prosecution that from the outset pursued a win-at-all-costs strategy. But the success comes at a price, and not just to the 51-year-old man now facing a virtual life sentence, his wife and 10 children. The government's handling of this case has sullied our justice system.
The Greek philosopher Heraclitus believed that reality is ever in flux. "You cannot step into the same river twice," he taught, emphasizing that the only constant is change.
Any slaughterhouse, whether kosher or non-kosher, is by definition a disconcerting, blood-filled and gruesome place. Torah law, however, is most insistent about not inflicting needless pain on animals and in emphasizing humane treatment of all living creatures.
Printed from: http://www.jewishpress.com/indepth/opinions/rubashkin-sentence-sullies-u-s-justice-system/2010/06/30/
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text:
Picture of Ashley Judd's Hair at the 2010 White House Correspondents' Dinner
Love It or Hate It? Ashley Judd's Oversized Orchids
by Beauty
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Source: WireImage
Love It or Hate It
DontStpTheMusic7 4 years
I don't really like the look. I think it's a little too much.
jenni5 4 years
Too much IMO. She looks gorgeous otherwise though.
jenni5 4 years
Too much IMO.She looks gorgeous otherwise though.
genesisrocks 4 years
I always like flowers in hair, even though when I was a kid my friends used to tease me that I had weeds growing out of my hair.
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