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A commentary by David M. Virkler
In 2008, the U.S. and world financial markets were in turmoil not seen since the 1930s. Huge firms and corporations declared that they were bankrupt and cried out to the government as their monetary savior. Billions of dollars in losses cost untold thousands of people their jobs and life savings.
Things went from bad to worse. America's national debt has steadily increased. Its sterling credit rating was downgraded by Standard & Poor's. And there are continued partisan battles in Congress over the debt ceiling and spending cuts. There appears to be no real solution in sight.
How did this crisis happen? It's basically the tragic result of greed. You can find the specifics of the cause from any number of sources. What we do not hear on the news is what the Bible has to say about money, charity and financial wisdom.
Riches and Wealth
First, we must remember that the ability to gain wealth and riches comes from God. In Deuteronomy, Moses gave the word of God to Israel. It contains pointed instruction regarding the source of wealth and pride:
"Beware that you do not forget the Lord your God by not keeping His commandments, His judgments, and His statutes which I command you today, lest—when you have eaten and are full, and have built beautiful houses and dwell in them… you say in your heart, 'My power and the might of my hand have gained me this wealth.' And you shall remember the Lord your God, for it is He who gives you power to get wealth." (Deut. 8: 11, 17 & 18).
People who set riches as their chief goal have a self-imposed character defect that hurts them. Paul wrote that they are susceptible to temptation and foolish and harmful lusts that "drown men in destruction and perdition. For the love of money is a root of all kinds of evil, for which some have strayed from the faith in their greediness, and pierced themselves through with many sorrows" (1 Timothy 6:9-10). Greediness is a departure from the faith, and greedy people hurt themselves just as badly as self-inflicted stab wounds.
The old King James Version talks about "filthy lucre" in five verses (I Tim. 3:3 & 8, Titus 1:7 & 11 and I Peter 5:2), and it always means shameful or sordid gain. In these passages, it is particularly applied to church leaders. It is especially dreadful when someone goes into ministry only for the money.
Another important passage is James 5:1-6, which outlines judgment for unscrupulous rich people who enrich themselves at the expense of common workers. James says that they will weep and howl for the miseries that will come. "Your riches are corrupted, and your garments are moth-eaten. Your gold and silver are corroded, and their corrosion will be a witness against you and will eat your flesh like fire."
These passages might make it sound like God is against riches or wealth, but that is not the case. In fact, some early Christians were rich. It is the love of money that is the root of all sorts of evil, not money itself.
Paul addressed this issue in his first letter to Timothy. "Command those who are rich in this present age not to be haughty, nor to trust in uncertain riches but in the living God, who gives us richly all things to enjoy. Let them do good, that they be rich in good works, ready to give, willing to share, storing up for themselves a good foundation for the time to come, that they may lay hold on eternal life" (1 Timothy 6:17-19).
The issue in this passage was not a fact of wealth but rather the abuse of it. In the Greek, the words for "rich," "riches" and "richly" are basically the same. The passage says that people who are so blessed have a unique responsibility to use their riches for relief, to match their good work with their wealth. By so doing, they will send a Heavenly reward on ahead.
Evidently, wealthy Christians down through the ages often have a difficult time focusing on Christ and Heaven. That seems to be the clear teaching even in the Old Testament. Psalm 62:10 says, "…if riches increase, do not set your heart on them." Solomon wrote about the frustration of financial fixation in Ecclesiastes 5:10-11. "He who loves silver will not be satisfied with silver; Nor he who loves abundance, with increase. This also is vanity. When goods increase, they increase who eat them; So what profit have the owners except to see them with their eyes?"
Earthly wealth can all be gone in a moment. Riches are unsteady according to Proverbs 23:5. "Will you set your eyes on that which is not? For riches certainly make themselves wings; They fly away like an eagle toward heaven." Today, with wealth in intangible securities, computer blips and worthless paper, it can all be gone in hours.
Christ's word to rich people of His day is found in Matthew 6:19-21. "Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal; but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also." In other words, the real lasting investment is in heaven.
Christians are wealthy beyond measure in Christ. We are "heirs of God and joint heirs with Christ" (Romans 8:17), and we are heirs to the unsearchable riches of Christ (Ephesians 3:8). All treasures of wisdom and knowledge reside in Him (Colossians 2:3). As Creator, He made all things, and as our Savior, He gives us all things. Romans 8:32 says "He who did not spare His own Son, but delivered Him up for us all, how shall He not with Him also freely give us all things?"
Our primary focus is to be on spiritual things, not just material needs. "Therefore do not worry, saying, 'What shall we eat?' or 'What shall we drink?' or 'What shall we wear?' For after all these things the Gentiles seek. For your heavenly Father knows that you need all these things. But seek first the kingdom of God and His righteousness, and all these things shall be added to you" (Matt 6:31-33).
The foolish rich man in Christ's parable had so much that he built bigger barns and settled down for a long trouble-free retirement. "But God said to him, 'Fool! This night your soul will be required of you; then whose will those things be which you have provided?' So is he who lays up treasure for himself, and is not rich toward God." (Luke 12:20-21).
A rich man was being taken to his burial, and someone asked, "How much did he leave?" "All of it," was the reply. As someone once wrote, "Only one life 'twill soon be past. Only what's done for Christ will last."
Helping the Poor and Needy
Charity has become a government issue rather than the responsibility of the church or family. Wealthy politicians seem to win votes by saying that government should help the poor, the disenfranchised, and so on. In some instances, they give very little of their own money to charity, yet they appropriate millions in taxpayers' money for flawed causes.
Preoccupation with helping the poor or underprivileged has contributed to the financial crisis. Financial institutions, who posed as great benefactors of the poor, gave sub-prime mortgages to people regardless of their income or financial status, and many politicians are loathe to cut entitlement programs fearing it will cost them votes.
Helping the poor is a good practice, but it must be done with the proper motive. Scripture instructs us to take care of those who have less. "For the poor will never cease from the land: therefore I command you, saying, 'You shall open your hand wide to your brother, to your poor, and to your needy, in your land" (Deuteronomy 15:11).
In Biblical times, the edges of fields were to be left unharvested so that the poor could come and glean the leftovers. "And when you reap the harvest of your land, you shall not wholly reap the corners of your field, nor shall you gather the gleanings of your harvest. And you shall not glean your vineyard, nor shall you gather every grape of your vineyard; you shall leave them for the poor and stranger…." (Leviticus 19:9-10). This was the case with Ruth who gleaned in the fields of Boaz.
The prosperity of Israel was linked with decent welfare. Isaiah 58:6-8 outlines God's plan for blessing, which included sharing their bread with the hungry, bringing the poor into their homes, and clothing the naked. "Then your light shall break forth like the morning, Your healing shall spring forth speedily, And your righteousness shall go before you; The glory of the LORD shall be thy rear guard."
Helping the poor is not always what it seems, especially in the case of Fannie Mae and Freddie Mac. An example of the wrong priority in social concern is found in Mark 14:3-9. Jesus was at the home of Simon the leper when a woman came and poured expensive perfume on His head from an alabaster box. Some in the group were indignant at the apparent waste of money, which could have been given to the poor.
"But Jesus said, 'Let her alone. Why do you trouble her? She has done a good work for Me. For you have the poor with you always, and whenever you wish you may do them good; but Me you do not have always. She has done what she could. She has come beforehand to anoint My body for burial. Assuredly, I say to you, wherever this gospel is preached in the whole world, what this woman has done will also be told as a memorial to her.'"
Jesus wasn't downplaying caring for the poor; He was criticizing the improper motives of those who complained. It is not enough just to care for the needy. In successful social welfare, there must be a priority on honoring the Lord.
When Jesus Christ fed the multitudes on two occasions, it was because they had sought Him and had nothing to eat because they were carefully listening to His teaching. On another occasion, when all people wanted was a meal, He rebuked them for only seeking food. "…'you seek Me, not because you saw the signs, but because you ate of the loaves and were filled. Do not labor for the food which perishes, but for the food which endures to everlasting life, which the Son of Man will give you….'" (John 6:26 & 27).
Throwing money at a problem may make it worse unless spiritual principles are incorporated. Politicians who feature social welfare need to seek the Lord in order to bring about real and radical change. We must also teach needy people the principles of thrift and hard work. "If anyone will not work, neither shall he eat" (II Thessalonians 3:10).
We shouldn't abandon social welfare or forego emergency measures, but unbiblical principles got us into this mess, and we need to return to a spiritual focus in helping the needy.
Biblical Principles for Financial Wisdom
Evidently, our country and the world are paying the price, to use a monetary and spiritual metaphor, for godless living. By that, I don't mean poor behavior or public criminality but living without God's principles both personally and nationally.
Beyond the conventional analysis of the current financial crisis being due to poor management, there is likely an element of scriptural ignorance or even abandonment where godly principles of honesty, wisdom and thrift were sacrificed on the altars of greed, faulty planning and outright stupidity. The fool is characterized 37 times in the book of Proverbs, the wisdom book. He is one who does not seek God's will and principles, does not pray or consult with the spiritually wise, and just blunders on in an air of pride and monetary gain.
Proper stewardship of the money God gives us is a Biblical principle. Our ministry account is in a bank just down the road from our office. Atlantic Stewardship Bank is organized and operated by those who have a Christian commitment with a sense of biblical stewardship. In stark contrast to the widespread corporate greed that troubled national finances, the bank tithes its profits—that is, it disperses 10% of its profits to religious and other non-profit charitable organizations. Hundreds of thousands of dollars have graciously been granted to organizations that do not exist for personal gain but operate for community well-being.
Old Testament believers were instructed to give a tithe—a minimum offering of one tenth—of their animal and vegetable produce to maintain the priesthood and serve other purposes outlined by God. There were also "first fruits" offerings that were the first ripe of the crops. The first born of man and animals were also dedicated to the Lord. These evidently were to reflect the people's willingness to put God first.
Dire spiritual declension was marked by cessation of tithes. Malachi 3:8, 10 & 11 summarizes the corresponding human obedience and divine blessing. "'…you have robbed Me! But you say, "In what way have we robbed You?" In tithes and offerings. … Bring all the tithes into the storehouse, That there may be food in My house, And try Me now in this,' Says the LORD of hosts, 'If I will not open for you the windows of heaven And pour out for you such blessing That there will not be room enough to receive it. And I will rebuke the devourer for your sakes, So that he will not destroy the fruit of your ground, Nor shall the vine fail to bear fruit for you in the field….'"
Under grace, believers are not legally bound to tithe, but it is a good beginning benchmark. It has been noted that Abraham's tithe (Gen. 14:20b) predated the law, and people under grace would be expected to equal or exceed those under law.
Some might say that they cannot afford to give, but when the poor widow threw her two mites into the offering, which was all she had, Jesus complimented her. "…this poor widow has put in more than all those who have given to the treasury; for they all put in out of their abundance, but she out of her poverty put in all that she had, her whole livelihood" (Mark 12:43 & 44).
When we commit to giving, God provides the means. "But this I say: He who sows sparingly will also reap sparingly, and he who sows bountifully will also reap bountifully. So let each one give as he purposes in his heart, not grudgingly or of necessity; for God loves a cheerful giver. And God is able to make all grace abound toward you, that you, always having all sufficiency in all things, may have an abundance for every good work" (2 Corinthians 9:6-8).
We are also to wisely invest what God has given us. In the parable of the talents (Matthew 25:14-30), Christ taught that we will be called to give an account of what God has given us, and that includes our money. Those who do not invest wisely show themselves unworthy of further blessings.
Thrift is a forgotten principle, but it is a biblical one. "Why do you spend money for what is not bread, And your wages for what does not satisfy? Listen carefully to Me, and eat what is good, And let your soul delight itself in abundance" (Isaiah 55:2).
One cannot spend more than he makes and long survive. In the mortgage crisis, too many people unwisely took on debt they simply could not afford, and it appears that the U.S. government is continuing this practice itself. We must consider the cost of something before we sign on the dotted line or "charge it."
As an illustration of the cost of following Him, Jesus used the practical example of financial integrity. "For which of you, intending to build a tower, does not sit down first and count the cost, whether he has enough to finish it – lest, after he has laid the foundation, and is not able to finish, all who see it begin to mock him, saying, 'This man began to build and was not able to finish'" (Luke 14:28-30).
Salvation gives us more than a fire escape from judgment and Hell; it gives us the person of Christ and all His wisdom to navigate through the minefields of financial chaos. In Christ, we have the special wisdom to live properly.
Paul wrote of "attaining to all riches of the full assurance of understanding, to the knowledge of the mystery of God, both of the Father and of Christ, in whom are hidden all the treasures of wisdom and knowledge." He warned against taking the advice of those who did not follow biblical principles. "Now this I say, lest anyone should deceive you with persuasive words. … Beware lest anyone cheat you through philosophy and empty deceit, according to the tradition of men, according to the basic principles of the world, and not according to Christ" (Col 2:2-4, 8).
James 1:5 says, "If any of you lack wisdom, let him ask of God, who gives to all men liberally and without reproach; and it will be given to him." James also wrote, "Who is wise and understanding among you? Let him show by good conduct that his works are done in the meekness of wisdom. … For where envy and self-seeking exist, confusion and every evil thing are there. But the wisdom that is from above is first pure, then peaceable, gentle, willing to yield, full of mercy and good fruits, without partiality and without hypocrisy" (James 3:13-14, 16-17).
The Greek word for "wisdom" here is "sophia" from which we get "sophisticated." Most people think that means being worldly-wise and without wisdom from above. However, good and godly people are the ones who are sophisticated. Those without wisdom are earthly, sensual and demonic as James puts it in verse 15. The financial mess is the result of men using wisdom from earth instead of wisdom from Heaven.
Obedience to God's Word results in blessing. "Blessed is the man Who walks not in the counsel of the ungodly, Nor stands in the path of sinners, Nor sits in the seat of the scornful; But his delight is in the law of the Lord, And in His law he meditates day and night…. He shall be like a tree Planted by the rivers of water, That brings forth its fruit in its season, Whose leaf also shall not wither; And whatever he does shall prosper" (Psalm 1:1-3).
Psalm 37:25-29 spells out a healthy economic perspective. "I have been young, and now am old; Yet I have not seen the righteous forsaken, Nor his descendants begging bread. He is ever merciful, and lends; And his descendants are blessed. Depart from evil, and do good; And dwell forevermore. For the Lord loves justice, And does not forsake His saints; they are preserved forever, But the descendants of the wicked shall be cut off. The righteous shall inherit the land, And dwell in it forever."
End-Time Implications of the Financial Crisis
We are living in a time when today's technology can fulfill tomorrow's prophecy at any moment. The electronic age has enabled unscrupulous people to manipulate global wealth.
In the Tribulation to come, Antichrist's mark will be necessary to buy, sell and, thus, eat. Without the mark, one will die according to Revelation 13:16 & 17. If this mark should be a computer access number, the global economy could be dominated by a shameful spiritual impostor just as the Bible says. Rev. 18:10 suggests that the global economy will collapse in an hour. That is not difficult to imagine when we saw how quickly the U.S. and world financial markets crumbled in reaction to the crisis.
People often ask me if the U.S. is in prophecy. My answer is, "Maybe." Revelation 8:8 speaks of "a great mountain burning with fire…cast into the sea" in the Tribulation. Some believe this great mountain refers to a great nation since nations are often depicted as mountains in the Bible. The nation is unnamed, but some Biblical scholars believe it could be America since it is not specifically referred to in end time prophecy. If that is the case, it means that America will simply cease to exist as an independent world power. I hope that doesn't happen, but I can't be sure given the way we are going. We cannot expect God to bless us if we have ignored Biblical principles and spent our way into poverty.
It could be that America will suffer the consequences of foreign domination. As the U.S. falls deeper into debt, are we be selling our souls to strangers who, if the trend continues, will rule over us? This is exactly what happened to ancient Israel. God said that if they didn't obey Him, He would send foreigners to take over the land.
Many of the prophets warned of these impending invasions. Isaiah wrote of the Assyrian invasion under Sennacharib. "Your country is desolate, your cities are burned with fire: Strangers devour your land in your presence, And it is desolate, as overthrown by strangers" (Isaiah 1:7). The term "strangers" is accurately translated "aliens" or "foreigners."
Psalm 9:17 is a dire warning: "The wicked shall be turned into hell, And all the nations that forget God." In our greedy rush to wealth, has America forgotten God? If so, the consequences could be dire.
Psalm 144:11 reads, "Rescue me and deliver me from the hand of foreigners, Whose mouth speaks lying words, And whose right hand is a right hand of falsehood." However, the Psalm ends speaking of those who follow the Lord completely. "Happy are the people whose God is the LORD!" (Psalm 144:15).
How to Solve the Problem
I believe the financial crisis is really a spiritual problem with financial consequences. We ought not to think that God loves America more than others, that our glorious spiritual past is somehow an automatic destiny. The economic chaos reflects a spiritual sickness. Although our government leaders focus on finances, the issue is just plain sin. When "In God We Trust" is a hollow motto and we turn to other gods, that's idolatry. Only a true spiritual revival and return to the Biblical truth of the Lord God as creator of Heaven and earth and our nation can turn us around.
In these days of financial turmoil, we have seen a tragic secularization of our nation. More deficit spending without spiritual wisdom will not keep us financially afloat. People have made the government out to be a savior, but government cannot save us.
Isaiah 33:22 is thought to be the biblical basis of our three part system of government. "For the LORD is our Judge (judicial), the LORD is our Lawgiver (legislative), the LORD is our King (executive); He will save us"(emphasis mine). Our only hope is to humbly pray for God's guidance. A genuine spiritual revival could guarantee national healing.
When America was coming to nationhood, George Washington and others knelt in prayer in Carpenter's Hall in Philadelphia. When a constitution for the new country seemed remote, Benjamin Franklin called for prayer. When the Civil War was raging, President Abraham Lincoln went to prayer and besought the nation to do so. When our boys were headed for the Normandy beaches, President Franklin Roosevelt led the nation in corporate prayer. When 9/11 stunned us, Congressional leaders met in non-partisan prayer in the Capitol Rotunda. But now, with the worst crisis imaginable, none of them even considers prayer so far as I know.
When King Solomon gave Israel instruction about regaining national healing, he uttered a word which has been seemingly ignored in the current crisis. "If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land" (II Chronicles 7:14). If we follow Isaiah 55:7, there is hope. "Let the wicked forsake his way, and the unrighteous man his thoughts: and let him return unto the LORD, and he will have mercy upon him; and to our God, for he will abundantly pardon."
"'Now, therefore,' says the Lord, 'Turn to Me with all your heart, With fasting, with weeping, and with mourning.' So rend your heart, and not your garments; Return to the Lord your God, For He is gracious and merciful, Slow to anger, and of great kindness; And He relents from doing harm. Who knows if He will turn and relent, And leave a blessing behind Him…" (Joel 2:12-14).
The choice is national repentance or nation ruin. We need God's wisdom to guide us and personal salvation and rededication to save and stir us. I know of no other remedy for such a time as this. Pray that our nation will be troubled enough to see the need for a spiritual breakthrough, seeking first the Kingdom of God and His righteousness. Americans need to see the truth of Deut. 8:3, "that man shall not live by bread alone; but man lives by every word that proceeds from the mouth of the LORD."
Our trust for salvation and for daily bread is in our Lord Jesus Christ. In Him there is peace; without Him there is only distress and worry now and Hell forever. The Apostle Paul had it right: "Therefore we do not lose heart. Even though our outward man is perishing, yet the inward man is being renewed day by day. For our light affliction, which is but for a moment, is working for us a far more exceeding and eternal weight of glory, while we do not look at the things which are seen, but at the things which are not seen. For the things which are seen are temporary, but the things which are not seen are eternal" (2 Corinthians 4:16-18).
Scripture verses are from The Holy Bible, New King James Version
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The Three Great Passes of Everest Touroffered by supplier M17093 (read about supplier)
Key Information:
Tour Duration: 24 day(s)
Group Size: 2 - 20 people
Destination(s): Nepal
Specialty Categories: Hiking & Trekking Cultural Journey
Season: March - November
Airfare Included: No
Tour Customizable: No
Minimum Per Person Price: 2500 US Dollar (USD)
Maximum Per Person Price: 3000 US Dollar (USD)
Heading towards Everest we cross the Kangma La to the Everest Base Camp and Kala Pattar. After identifying the classic climbing routes to the summit of Everest we complete a spectacular traverse over the Cho La to the alpine pastures and lakes of Gokyo. From Gokyo Ri we gain further outstanding views of Everest before heading over the Renjo La to the Thame. After Thame we will trek to Lukla via Namche and take our flight back to Kathmandu. Clients carry day pack only and walk at their own pace. The walking hour will be about 7-8 hr a day.
Tour Itinerary:
Day 1: Arrival and transfer to hotel/welcome dinner. Includes: (D).
Day 2: Day at leisure/Hotel. Includes: (B).
Day 3: Fly Lukla and trek to Phakding. Includes: (B), (L), (D).
Day 4: Trek to Namche (3440m). Includes: (B), (L), (D).
Day 5: Acclimatization day. Includes: (B), (L), (D).
Day 6: Trek to Tengbuche (3860m). Includes: (B), (L), (D).
Day 7: Trek to Dingbuche (4410m). Includes: (B), (L), (D).
Day 8: Acclimatize (4730m). Includes: (B), (L), (D).
Day 9: Trek to High camp (5100m). Includes: (B), (L), (D).
Day 10: Cross Kongma La (5535m). Includes: (B), (L), (D).
Day 11: Trek to Kala Pattar (5545m). Includes: (B), (L), (D).
Day 12: Trek to Everest Base Camp. Includes: (B), (L), (D).
Day 13: Trek to Donglha.(4840m). Includes: (B), (L), (D).
Day 14: Trek to Nyimagawa (5050m) via Cho La pass (5420m). Includes: (B), (L), (D).
Day 15: Trek to Gokyo (4750m). Includes: (B), (L), (D).
Day 16: Trek to Gokyo Peak (5480m) - Gokyo. Includes: (B), (L), (D).
Day 17: Trek to Lungdeng (4600m) via Renjo pass (5435). Includes: (B), (L), (D).
Day 18: Trek to Thame (3800m). Includes: (B), (L), (D).
Day 19: Trek to Monjo (2800m). Includes: (B), (L), (D).
Day 20: Trek to Lukla (2840m). Includes: (B), (L), (D).
Day 21: Spare day for trek. Includes: (B), (L), (D).
Day 22: Fly to Kathandu/hotel. Includes: (B).
Day 23: Day at leisure/farewell dinner/Hotel. Includes: (B), (D).
Day 24: Drive to Airport for return flight. Includes: (B).
Note: The trek can be operated in both teahouses and camping (combine) on your request. The itinerary can be customized according to your duration of holiday. Similarly hotel can be upgraded or degraded depend on your budget. Season: March till May and September till November.
Airfare is not included in the tour price.
Price Includes:
- Airport pickup and drop
- Welcome and farewell dinner
- Hotel accommodation in KTM
- All teahouse accommodation
- Conservation permit
- Meals as mentioned
- Insured-equipped guide
- Insured-equipped porter
- Flight to and from trek.
Price Excludes:
- Meals not mentioned
- Drinks and bar bill
- Tipping
- Personal insurance
- Other things not mentioned.
Click here to email this vacation offer to a friend.
Joined InfoHub: Oct 2007
Activity: Trekking; Rafting; Safari; Rock climbing; Biking; Bungee Jumping; Canoing; Fishing; Cannoning; Vehicle hire; Accommodation; Air Ticketing; Mountain flight - Flora and Fauna Study - Climb to Everest and other Himalaya - Educational tours for students - Trip for people involved in environment awareness...

subset: commoncrawl


text: Hemochromatosis (Iron Overload Disease) is a genetic disease that causes the liver to store too much iron. Iron is an important vitamin; however, when excessive amounts collect in the liver it becomes overwhelmed. The iron then begins to stockpile in the pancreas, heart and other organs of the body. Eventually the liver is damaged and cirrhosis of the liver can occur. The pancreas and heart can also be severely damaged.


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Continuous glucose monitoring system (CGMS) is a new medical technology to provide a stream of interstitial glucose measurements. These measurements help medical professionals and patients to have better understanding of the blood glucose patterns, thus a better therapy can be devised to achieve better control.
- Seek your paediatrician's or nurse educator's agreement and support in interpreting the graph after the report is generated.
- Submit the completed enrolment form together with crossed cheque to Youth Diabetes Action.
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Please contact Ms. May Hsing on 2544 3362 for more information.


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From a land that is so distant.
Passing through this door.
Wanting to become what they are.
So I am changing, transforming, adapting to their ways.
The truth, that was hard to find.
So, what do I do?
Whoa! datz gr8 MashaAllah
Whoa! datz gr8 MashaAllah
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Wineries in Chardonnay Wineries in San Rafael
Row Eleven
in Pinot Noir Wineries, Pinot Grigio Wineries, Chardonnay Wineries
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Peter Paul Wines
in Pinot Noir Wineries, Chardonnay Wineries, Cabernet Sauvignon Wineries
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San Rafael, California 94903
United States
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Mountain View Vintners
in Zinfandel Wineries, Pinot Noir Wineries, Merlot Wineries, Chardonnay Wineries, Cabernet Sauvignon Wineries
Mountain View has hand-selected premium grapes from California finest wine growing regions to produce distinctive, high quality wines. Mountain View Winery continues to offer some of the finest California values on the market.
1040 Court Street
San Rafael, California 94901
United States
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(415) 898-6778


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This is the most friendly private course I've been to. The course is challenging but great to play. Everyone should buy the PGA pass and play it at least once. It's a great club with very helpful staff all over and the pros are more than willing to give you a tip or two.
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Fruitful business ideas are regularly on the ball. Consider patterns and innovations not too far off and how you may move into those territories. Consider advancements identified with the lounge and home excitement frameworks now that organizations like Apple are growing new TV advances. What can that mean as far as better approaches to living in your home and be engaged?
Endeavor some precious stone ball looking.
Ask yourself what the world will resemble this time one year from now. Shouldn't something be said about in five years' chance? Utilize industry media and read Specialists' online journals to second-figure the future and attempt to create ideas by patterns so you can build up an item or service and trade out when they happen.
Search for new specialties.
Your business idea doesn't need to reexamine the wheel. Investigate what a portion of the huge players in an industry are missing and make sense of if you can fill the crevices.
Apply your abilities to a totally new field: Think about your skills and whether they may be valuable by then and also inside your region.
Discover a class lacking late developments.
When concocting ideas, understand what the markets need or what is lacking in the market. For instance, when you understood there were a couple of new improvements in the item data mark business, made a name comprising of two layers—a top layer that turns with open boards through which you can see, and a base name that you can read by turning the top layer over it. Organizations are expecting to fit more data about medicine, for instance, could utilize the additional namespace for the points of interest.
Converse with customers
To concoct a idea that addresses individuals' issues, there's no preferred route over by conversing with customers. If you are keen on mountain bicycles, hang out in the walkways of games and bicycle shops and ask clients what they wish they could discover in the commercial center. In case you're keen on building up an internet business, consider sending an online overview to potential clients to find out about their needs and interests.
Bob ideas off companions.
Make a group with a gathering of similarly invested individuals to help you concoct ideas, then share the benefits when a idea profits. Try not to be excessively worried about giving ideas away at this stage – unless somebody is enthusiastic around a idea; it's far-fetched they'll finish it.
Ideas have a tendency to happen at all helpful spots, so keep a pen and paper with all of you the time. It's likewise significant that just before you nod off and soon after you awaken, your cerebrum has a tendency to be at its most innovative – so ensure you have something to compose with on your bed-side table.
Try not to be reluctant to take a gander at other individuals' ideas for motivation
There's nothing amiss with replicating another person's idea (unless, obviously, it's secured by copyright law), the length of your business accomplishes something to separate itself by building and enhancing that idea.
Many great business ideas have come when their makers have searched for an answer for an ordinary issue. You just need to take a gander at the Lakeland Catalog or online to perceive what number of life's little issues can be settled decently effectively – and cleverly.
In case you're experiencing issues thinking of idea, enjoy a reprieve. Go for a walk, stare at the TV or peruse the web. The considerable thing about this phase of beginning a business is all that you do could furnish you with motivation – so you're always working.
While imagination and idealism are extraordinary at this stage, ensure you know your points of confinement. If you prepared as a bookkeeper, building up enthusiasm for arborology is great however you won't have the capacity to maintain business as a tree specialist after you've perused one book about it. Consider your experience and capabilities – and in case you're truly excited about your idea, make them prepare.


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I work as Business Analyst at Marand. My responsibilities include business and functional requirement analysis and solution proposals. I worked on CRM, PLM and Billing projects for Telco companies, where I gained a lot of business & IT knowledge and developed other necessary skills. During my 10 year careers at Marand I also participated in other internal projects through which I established good relationship with other colleagues and acquired knowledge from other projects, industries, etc.
An IT graduate, highly organized and experienced project manager. My strength lies in being solution-oriented and having a practical approach in problem solving. I am skilled at data analyses and agile methodologies and am in charge of establishing priorities and task assignments, encouraging work collaboration to get the job done. I am a huge nature and outdoor sports lover, with a lifelong passion for books and learning new skills.
Marand is looking for several Java Developers with experience in building high-performing, scalable, enterprise-grade applications. You will be part of a talented software team that works on mission-critical applications for healthcare. You will be responsible for Java/Java EE application development while providing expertise in the full software development lifecycle, from concept and design to testing.
Design and develop high-volume, low-latency applications for mission-critical healthcare systems, delivering high-availability and performance.
Contribute in all phases of the development lifecycle.
Write well designed, testable, efficient code.
Ensure designs are in compliance with specifications.
Prepare and produce releases of software components.
Support continuous improvement by investigating alternatives and technologies and presenting these for architectural review.
Proven hands-on Software Development experience
Proven working experience in Java development
Hands on experience in designing and developing applications using Java EE platforms
Object Oriented analysis and design using common design patterns.
Good knowledge of Relational Databases, SQL and ORM technologies (JPA2, Hibernate)
Experience in the Spring Framework
Experience with test-driven development
Experience with developing REST APIs
Experience with Git/GitHub
As a member of our team you will have an opportunity for constant education, professional advancement, attend conferences and work with the latest technologies.


text:
In 2017, more companies than ever will be making strides to create a paperless workplace. This is a worthwhile pursuit for many reasons, including environmental awareness. However, there are other things to be considered when selecting document management software, including your bottom line, your employees' morale and comfort, and the security of the documents being stored.
Whether you are a controller, an IT professional, or an accountant, it's important to ask the following questions when you are selecting document management software. Otherwise, your company may be left with the cheapest (but not necessarily the best) tool, with little return upon their investment. Worse yet, your company's team members may find the software difficult to use or impossible to integrate with the software currently in use.
When educating yourself and your team on the document management software possibilities, keep these five questions in mind:
1. Is it adoptable?
In a perfect world, your team would excitedly adopt whatever software you chose. In the real world, sometimes it's a tough sell. For this reason, it's important to select document management software that has a simple, user-friendly interface. For example, with DocuPhase's newest viewer, users can drag & drop documents from their desktop directly into the document management system. With iLink, users of Microsoft Dynamics can click an add-on button within MS Dynamics GP and pull up related documentation from the documentation management system. This single click can save team members a sizable amount of time! Features like this help to increase the adoptability and help to get your team excited about the change.
2. Can it be controlled and customized?
This is an important question if you don't want to become dependent upon your document management software provider. Out-of-the-box solutions can be useful, but consider how you will make changes once the document management software has been implement. A year down the road, you may want to change the name of a document or the way things are sorted or organized. Maybe you're able to determine that making a simple change can radically improve your process. Will you be able to self-educate and make that change yourself, or will you be required to pay for each change?
3. Is it secure?
In other words, you'll want to determine to what degree the document management system will allow you to control who can view certain documents. Security is especially important if you operate within the healthcare industry, or if you're going to be storing personnel files within the document management system. For example, consider HIPAA compliance regulations. A highly customizable document management system like DocuPhase will allow you to store various types of documentation and will allow you drill down settings, easily determining which groups within your organization can view each type of document.
4. Can it integrate with other software?
As a business in the 21st Century, you're already running many other programs. It's worth taking a look at the integrations offered by various document management solutions. For example, is the document management software compatible with Microsoft Office documents? On another note, some document management software companies also develop workflow automation software, which can become a natural next step once your team has adopted the document management platform. While this may not be your short-term plan, consider the long-term possibilities for your organization. You may thank yourself later for having this foresight while selecting document management software.
5. Is it going to save the company money?
For most organizations, this is the most important question to ask when selecting document management software. What is the return on investment? How long is it going to take to see that ROI? A consultative, low-pressure sales team can help you examine whether and how their document management solution can help your organization. This can help you to present concrete evidence to your decision-making team when the time comes to decide on a purchase.
Whether you are a first-time shopper for document management software or a company that's looking for a change from your current platform, we hope that these five questions will aid you in your journey. Above all, be thorough in selecting document management software. Going paperless is a big step for any business, and it's important to take that step in the right direction.


text:
Thunderbolts #1
Marvel Comics (April, 1997)
"Justice…"Like Lightning!"
WRITER: Kurt Busiek
PENCILER: Mark Bagley
INKER: Vince Russell
COLORIST: Joe Rosas
LETTERING: Dave & Oscar
EDITOR: Tom Brevoort
In the wake of the battle with Onslaught New York City is in ruins. With a number of their heroes believed dead (but actually suffering a worse fate: being drawn by Rob Liefeld in a pocket dimension created by a small boy…because comics), the heroes that remain are overworked. Suddenly a new team of heroes arrives on the scene, the Thunderbolts! Led by Citizen V (who claims to be the grandson of the same named hero of World War II), the team consists of Atlas, MACH-1, Meteorite, Songbird, and Techno. They make their debut squaring off against the Rat Pack, a team of scavengers who are also working for a mysterious employer. While the Thunderbolts technically defeat them, they do manage to send off their cargo, and later lead the Thunderbolts into a trap where they go up against the Wrecking Crew. It's not an easy fight, but they win not only the battle but the hearts of New York, the Mayor even sending a representative to try to keep them local. However, not all is as it seems, for the Thunderbolts are actually Baron Zemo and his Masters Of Evil…Goliath, Beetle, Moonstone, Screaming Mimi, and the Fixer. Whatever they have planned is not on the mind of one Hallie Takahama. She just saw her parents die during the battle with Onslaught and now finds herself kidnapped and being held prisoner.
What they got right: The concept of a villain team posing as a hero team in order to mess with a city dealing with the loss of heroes is actually a really cool concept. They even go so far as to repair the Statue Of Liberty after the Wrecking Crew smash it. And I like the new superhero designs used for the villains' superhero identities, MACH-1 (it's an acronym so that's why I'm capitalizing it: Mobile Armored Cyber Harness before you ask) probably being my favorite, if only because the Beetle armors were never that interesting.
What they got wrong: Look, even if I buy how easily everyone (except maybe Black Widow, I'm not certain) bought their act this much, how the heck did someone come up with Thunderbolts T-Shirts, ties, hats, and buttons not even a day after their public debut in a trashed New York? I'd say it was put on kind of thick how easily the Thunderbolts are accepted but after the whole Onslaught incident and still dealing with the aftermath I kind of believe it. But having goodies that soon while they're trying to rebuild is a bit much.
Recommendation: While the concept eventually evolved past this idea because it had to, it's a darn good one. Worth picking up.


text: HomeAsiaSoutheast AsiaMyanmarBaganBagan Trip + Itinerary Guide for First-Timers By Marcos Detourista. Updated on January 14, 2019.Here's a detailed Bagan travel guide with sample itinerary, budget, spots to visit, places to stay & more. Bagan is Myanmar's top travel destination, and for good reason.The scale of this ancient city rivals that of the most impressive UNESCO World Heritage Sites in Southeast Asia. Angkor Wat in Cambodia and Borobudur Temple in Indonesia impress visitors with colossal structures. Bagan, on the other hand, astonishes with quantity — thousands of spire-topped pagodas and temples built across wide plains.Traveling to Bagan for the first time? This detailed travel guide will make it easy for you to plan a trip, save money, and maximize your time.Scroll down to read must-know travel tips before you go, followed by a sample itinerary + budget breakdown , recommended hotels/places to stay , things to do/places to visit and lots of extra travel tips.Bagan travel goals! Mahabodhi Temple in Bagan, Myanmar Dhammayan Gyi Temple in Bagan, Myanmar Mount Popa Temple in Bagan, Myanmar Ananda Temple in Bagan, Myanmar Wooden monastery in Taung Bi Village, Bagan, MyanmarFollow me on InstagramGet StartedHow to get to Bagan — Most travelers arrive in Bagan by bus from Yangon in Central Myanmar or Mandalay in North Myanmar. Travel time from Yangon to Bagan by bus is around 10 hours. From Mandalay, the bus ride should take 5 to 6 hours. By air, Bagan can be reached by flying to Nyaung-U Airport.See bus fares How many days in Bagan — Although one day is enough to visit all the major temples in Old Bagan, I suggest that you spend a more relaxed two or three full days for sightseeing. Remember to consider the long land/bus journey between Bagan and Yangon/Mandalay, which will add a day or two to your itinerary.Book your hotel early — The best areas to stay are Nyaung-U and Old Bagan. Grab rock-bottom rates and avoid fully-booked rooms by booking online as soon as you know you're going. Click below to compare discounts and read reviews by other travelers.Cheapest ratesBest hotel reviewsCheck prices online and pre-book discounts — Save money by checking discounts on tours, airport/city transfers & sim card/WiFi hotspots. Booking before you leave also saves you time by avoiding the hassles of bringing large amounts of cash & exchanging currency/money during your actual trip.See top discountsWhen is the best time to visit Bagan — Bagan is hot all-year & can be enjoyed any month. That said, the best time to go is during the cooler months from October to February. The next best is the rainy season from May to September. March and April are the hottest months with temperatures often scorching over 40°C.Myanmar visa for Filipinos — Philippine passport holders do not need a visa to enter Myanmar for short stays of up to 14 days.See more blogs & travel guides6 Places To Visit in MyanmarAsian Countries To Visit Bagan Travel Guide BlogGet StartedBagan ItineraryBagan BudgetWhere to Stay in BaganTravel Tips Before You GoPlaces to Visit in Bagan + Things To DoMore Travel Guides & BlogsBagan ItineraryWhat to do in Bagan in 3 days? Here's a 3 days & 2 nights (3D2N) itinerary for your do-it-yourself (DIY) trip.It's suited for first-time visitors who want to maximize their Myanmar trip by visiting Yangon, Bagan, and Mandalay. This itinerary assumes you'll be starting in Yangon, traveling to Bagan on an overnight bus, and spending two full days temple-hopping in Bagan.Feel free to tweak the activities & timings below based on your traveling style, schedule & attractions that interest you the most.Day 0: Bus to BaganTimeActivity08:00 pmYangon to Bagan BusDay 1: Bagan Temples Shwezigon Pagoda in Bagan, Myanmar Ananda Temple in Bagan, Myanmar Dhammayan Gyi Temple in Bagan, Myanmar Sulamani Temple in Bagan, MyanmarTimeActivity05:30 amArrival in Bagan05:45 amBagan Shwe Pyi Highway Bus Terminal to hotel transfer06:00 amBagan hotel check-inCheapest rates07:30 amStart Bagan temples tourShwezigon PagodaAnanda TempleBagan Archaeological MuseumGawdaw PalinShwesandaw PagodaDhammayan Gyi TempleSulamani TempleDay 2: Mount Popa & Old Bagan Mahabodhi Temple in Bagan, Myanmar Mount Popa Temple in Bagan, Myanmar Wooden monastery in Taung Bi Village, Bagan, MyanmarTimeActivity05:00 amHotel-pick-up for hot air balloon sunrise experience06:30 amHot air balloon tour07:15 amLight breakfast08:00 amBagan to Mount Popa transport09:30 amMount Popa Temple10:30 amMount Popa to Bagan transport01:00 pmContinue Bagan temples tourHtilominloUpali TheinNat Taung Kyaung MonasteryMaha Bodhi PhayaBu PayaShwegu Gyi PhayaThatbyinnyuDay 3: Bagan DepartureTimeActivity08:00 amBagan to Mandalay bus02:00 pmArrival in MandalayOn the last day, you can also go on a bus to Mandalay or Kalaw/Nyang Shwe (jump-off to Inle Lake) instead. If you plan to go back to Yangon and you have limited time, consider taking an Bagan-Yangon overnight bus on day 2.Bagan BudgetYour travel expenses will largely depend on your traveling style and how much you plan to spend on activities, accommodations & food. To help you set your own budget, here are budget estimates if you follow the 3 days and 2 nights (3D2N) itinerary posted above. Make sure to review all discounts & online booking prices.Transport expenses breakdownMMK 29,000Yangon to Bagan VIP bus — One-way VIP bus fare, per person price online.Pre-book hereMMK 20,700Bagan to Mandalay bus — One-way VIP bus fare, per person price online.Pre-book hereMMK 12,000E-bike rental — MMK 6,000 per day rental x 2 days.MMK 6,000Bagan bus terminal to hotel roundtrip transfer — MMK 3,000 one-way x 2.Activities/attraction costs breakdownMMK 25,000Bagan Archaeological Zone — Entrance fee per person.MMK 5,000Bagan Archaeological Museum — Entrance fee per person.Budget Trip – Backpacker expensesMMK 67,700Transport — Bus tickets to/from Bagan, hotel transfers, E-bike rentals. Excludes half-day car charter to Mount Popa.MMK 27,000Accommodations — 2 nights in a budget hostel. USD 10 per bed per night x 2 = USD 20 / MMK 27,000.MMK 35,000Food — Budget meals. MMK 5,000 per meal x 7.MMK 129,700Sub-total — Including accommodations, food & selected transport above. Excluding attractions/activities & flights. Approximately PHP 4,902 / USD 95 / SGD 128.MMK 30,000Activities — Bagan temples & museum entrance feesMMK 159,700Total — Including activities & 3 days expenses above. Excludes hot air baloon & Mount Popa car charter. Approximately PHP 6,042 / USD 118 / SGD 157.Other activitiesMMK 400,000Bagan Hot Air Balloon Sunrise Experience — Per person discount price online.Book onlineMMK 30,000Half-day car rental to Mount Popa — Price per vehicle. Half-day car charter to Mount Popa from Bagan.MMK 40,200Bagan car charter — Price per vehicle (up to 4 people). Whole-day car charter around Bagan temples.Book onlineWhere to Stay in BaganThere are three main areas to stay in Bagan: Nyaung-U, Old Bagan & New Bagan.Nyaung-U offers a convenient location close to transportation hubs (the airport, bus terminal, and train station) and the widest choice of restaurants. Old Bagan is nearest to the main temples and is mostly home to upscale resorts. The farthest is New Bagan, which offers more budget and mid-range options.Check discountsSee moreClick below to compare rates and Bagan hotel reviews within your budget.Best Luxury Hotels in Bagan — Splurge at the best 5-star and 4-star hotels in Bagan.See rates & reviewsUnder USD 80Promo rates on 4-Star & 5-Star Bagan hotels — Grab discounts on luxury rooms available for booking today.See discountsUnder USD 60Recommended 3-Star Bagan hotels & mid-range accommodations — Great-value rooms for couples or when traveling with family & friends.See rates & reviewsUnder USD 40Best Bagan budget hotels — For travelers looking for decent yet affordable accommodations.See rates & reviewsUnder USD 20Best Bagan hostels & budget hotels — affordable places to stay for backpackers/solo travelers.See rates & reviewsFrom USD 10Cheapest places to stay in BaganSee rates & reviewsTop-rated places to stay in BaganHeritage Bagan HotelSplurge / Nyaung-USee discountsBagan Lodge HotelSplurge / New BaganSee discountsAmazing Bagan ResortSplurge / Nyaung-USee discountsSky View HotelBudget / Nyaung-USee discountsOstello Bello Bagan HostelBudget Backpacker / New BaganSee discountsOstello Bello Bagan PoolBudget Backpacker / New BaganSee discountsWhere to bookBook your room through these trusted booking sites. I use them frequently to grab rock-bottom prices & enjoy convenient bookings. Click below to confirm the lowest prices:Booking.comAirbnbAgodaBook sooner rather than later if you already have your dates set. Cheaper-priced rooms and hotels with high reviews tend to get fully booked faster, especially during busy days like weekends, holidays & peak tourist seasons.Bagan Travel Tips Before You GoDo I need a visa to visit Bagan, Myanmar?Myanmar tourist visa for FilipinosHow to get to BaganHow to get to Bagan from the PhilippinesYangon to Bagan by busMandalay to Bagan by busBus Terminal to Bagan centerHow much is the entrance fee to Bagan?How to get around Bagan?What currency to carry when traveling to Myanmar?Exchanging Philippine Peso to Burmese KyatShould I book my Bagan hotel online?Pre-book your Bagan tours & attraction tickets onlineDo I need a visa to visit Bagan, Myanmar?Citizens of 8 countries may enter Myanmar without a visa for tourism/transit purposes. Maximum stays vary from 14 days or 30 days depending on nationality.Countries that enjoy visa-free entry to Myanmar include The Philippines, Singapore…Visit this Wikipedia page for a comprehensive list of countries with visa-free access.For a hassle-free trip, make sure that you are able to provide the following typical requirements at the immigration checkpoint:Valid passport not expiring within 6 months.Confirmed flight ticket/s back to your home country or onward destination that you are allowed to enter.Evidence that you have sufficient funds to cover the entire duration of your visit.Proof of accommodation — Hotel reservations or letter of invitation from your friend/family residing in Bagan.Evidence that you are visiting for travel or holiday purposes only.Remember to always check for changes in the visa policy of any country that you want to visit. You can find official visa information at the https://evisa.moip.gov.mm website.Myanmar tourist visa for FilipinosFilipinos/Pinoy tourists do not need a visa to enter Myanmar granting the purpose is tourism or transit. Philippine passport holders get a maximum stay of 14 days.Simply show up at the immigration checkpoint and get your passport stamped.Keep in mind that all countries have the right to refuse entry to any person even if they are eligible for the free tourist visa or have a valid visa on hand at the border.At the very least, have these on hand at the immigration checkpoint: Return/onward ticket, hotel reservations & tours/attraction tickets that you have pre-booked online.These documents will help to convince immigration officers that you are really are visiting as a tourist, NOT for work, and you are able to fund the entire duration of your trip.How to get to BaganMost travelers arrive in Bagan by bus from Yangon in Central Myanmar or Mandalay in North Myanmar.Bagan is located between these two cities. Travel time by bus from Yangon is around 10 hours. Meanwhile, traveling by bus from Mandalay takes around 6 hours.Getting to Bagan by air is the fastest, but most expensive option. A one-way plane ticket from Yagon to Bagan usually costs USD 100 to 200. Flight duration is 1 hour and 20 minutes.Bagan can also be reached by train (slow and uncomfortable) or by slow boat from Mandalaw (seasonal)How to get to Bagan from the PhilippinesThere are no direct flights between any airport in the Philippines and Myanmar.To get to Bagan, you'll need to book flight connections to Yangon or Mandalay via Kuala Lumpur, Bangkok, Singapore or Hong Kong.Then, travel to Bagan by land or air.Yangon to Bagan by busYangon is usually the starting point for trips to Bagan.Travel time from Yangon to Bagan by bus is 10 hours give or take. The trips are mostly overnight buses, departing Yangon from 7–9 pm and arriving in Bagan from 5–7 am.The one-way bus fare is MMK 22,000–29,000 per person.Check prices & pre-book onlineMandalay to Bagan by busTravel time from Mandalay to Bagan by bus is around 5 to 6 hours.Departure from Mandalay is usually mid-morning with arrival in Bagan by mid-afternoon.The one-way fare is MMK 20,500+ per person.Check prices & pre-book onlineBus Terminal to Bagan centerBuses to Bagan arrive at Bagan Shwe Pyi Highway Bus Terminal in Nyaung-U. The Bus Terminal is situated 5 kilometers away from Nyuang-U center and around 10 kilometers away from Old Bagan & New Bagan.Shared transfers from the bus terminal to Nyuang-U should cost MMK 3,000 per person (more to New Bagan or Old Bagan).How much is the entrance fee to Bagan?A 5-day entry ticket to the Bagan Archaeological Zone costs MMK 25,000 per person.How to get around Bagan?The popular means of transport around the temples are E-bikes, horse carts, car/taxi, guided tour transport & pedal bicycles.E-BikeElectric bicycles are cheap… and fun! Daily rentals cost MMK 5,000 to 10,000 per day. Remember to test the condition of the bike (particularly the bakes and accelerators) before leaving the shop.Private CarHassle-free, air-conditioned and quite affordable. Perfect if you're traveling in a group. The price is MMK 25,000 half-day or MMK 40,200 full-day.Horse cartIt's an interesting way to get around, but in reality, the experience is bumpy, uncomfortable, dusty, and exhausting. Only consider horse-carts for short point-to-point transfers, like getting to the sunrise/sunset spots. Rate is usually MMK 20,000 per day or more.Pedal bicycleThe cheapest way to get around Bagan. Bicycles only cost MMK 1,000 to 2,000 per day. I don't recommend it for full-day sightseeing though. Daytime temperatures in Bagan are scorching and temples are spread too far apart to cycle comfortably.What currency to carry when traveling to Myanmar?Burmese Kyat (abbreviated as MMK or K or Ks) is the official currency of Myanmar. Thus, you'll need Burmese Kyats for your expenses in Bagan. You should be able to change your USD, EUR or SGD at most banks/money exchange stalls. It's important to bring bills in crisp & pristine condition. Otherwise, it might not get accepted.Better yet, withdraw MMK bills at an ATM when you arrive in Myanmar. I use my ATM card a lot when I travel because it's way more convenient than to worry about what currency to bring and exchange. Because banks charge a fee per withdrawal, I make sure to withdraw large amounts instead of doing multiple smaller transactions.A great way to minimize bringing/exchanging cash is by using a credit card and pre-booking hotels, tours, transport etc. online. I opt to pay in my home currency, if available. That way, I know exactly how much is charged to my account.Exchanging Philippine Peso to Burmese KyatYou can get the best rates by withdrawing from ATMs or bring USD bills.Remember to check if your bank requires you to activate your card for international withdrawals. Your card might be useless otherwise. For example, Bank of the Philippine Islands (BPI) requires me to call their 24-hour hotline to activate my Cirrus ATM card before I travel abroad. On the other hand, My Unionbank debit cards (Visa and Mastercard) does not need activation to withdraw money abroad.PHP is rarely accepted at bank/currency exchange shops in Myanmar.Should I book my Bagan hotel online?Book your stay sooner rather than later if you already have your dates set. Cheaper-priced rooms tend to get fully-booked faster, especially during busy days like weekends, holidays & peak tourist seasons.I frequently book my stay with the sites below to grab rock-bottom prices & enjoy hassle-free trips. Click below to see today's lowest prices.AgodaBooking.comHaving hotel reservations is very important when traveling abroad because immigration officers often require tourists to provide the address of their accommodation. Here top reasons why I prefer to book online & why you should too:Wide selection of hotels/hostels.Often cheaper prices than walk-in rates. Earn rewards points for every booking. The more you book, the more you earn!Trusted by millions of travelers. Read reviews from actual staying guests.Instant confirmation and free cancellation on most properties.Pay in your home currency. Worry less about bringing cash/exchanging currencies. Convenient & secure payment by credit card or Paypal.Fast customer support.Pre-book your Bagan tours & attraction tickets onlineI often book online to enjoy discounts and cashless convenience during my actual trip. Always check prices of tours and attraction tickets on these booking sites:KlookGetYourGuidePrices are often cheaper than booking on-site. Huge discounts on many activities.Maximize your trip! Avoid wasting time queueing at ticket booths & shopping for tours.Get a good idea what to expect. Knowing all the inclusions/non-inclusions & reading user reviews is very helpful to make an informed decision.Earn rewards points for every booking.Pay in your home currency. Worry less about bringing cash/exchanging currencies.If you're booking tours and you've already finalized your travel dates, book early, especially if you are traveling with family/friends to lock-in those open slots for everyone in your group.Places to Visit in Bagan + Things To DoCheck out these top tourist spots, best places to visit & things to do in Bagan.1. Dhammayan Gyi Temple2. Ananda Temple3. Shwesandaw Pagoda4. Sulamani Temple5. Htilominlo6. Gawdaw Palin7. Maha Bodhi Phaya8. Shwezigon Pagoda9. Thatbyinnyu10. Mount Popa Temple11. Bagan Archaeological Museum12. Bagan Golden PalaceOld BaganMyin Ka Bar VillageNyaung-UNew Bagan1. Dhammayan Gyi Temple Dhammayan Gyi Temple in Bagan, Myanmar Dhammayan Gyi Temple in Bagan, MyanmarLocation: Old Bagan2. Ananda Temple Ananda Temple in Bagan, Myanmar Ananda Temple in Bagan, Myanmar Ananda Temple in Bagan, MyanmarLocation: Old Bagan3. Shwesandaw PagodaLocation: Old Bagan4. Sulamani Temple Sulamani Temple in Bagan, Myanmar Sulamani Temple in Bagan, MyanmarLocation: Old Bagan5. Htilominlo Htilominlo Temple in Bagan, MyanmarLocation: Old Bagan6. Gawdaw Palin Gawdawpalin viewed from Shwegugyi Temple, in Bagan, MyanmarLocation: Old Bagan7. Maha Bodhi Phaya Mahabodhi Temple in Bagan, Myanmar Mahabodhi Temple in Bagan, MyanmarLocation: Old Bagan8. Shwezigon Pagoda Shwezigon Pagoda in Bagan, Myanmar Shwezigon Pagoda in Bagan, MyanmarLocation: Nyaung-U9. Thatbyinnyu Thatbyinnyu temple viewed from Shwegugyi Temple, in Bagan, MyanmarLocation: Old Bagan10. Mount Popa Temple Mount Popa Temple in Bagan, Myanmar Mount Popa Temple in Bagan, Myanmar11. Bagan Archaeological MuseumEntrance fee: MMK 5,000 per person12. Bagan Golden PalaceEntrance fee: MMK 5,000 per personOld Bagan Tharbar Gate in Bagan, Myanmar Upali Thein Temple in Bagan, Myanmar Wooden monastery in Taung Bi Village, Bagan, Myanmar Wooden monastery in Taung Bi Village, Bagan, MyanmarTemples and attractions in Old BaganDhammayan GyiAnandaShwesandawSulamaniHtilominloGawdaw PalinMaha Bodhi PhayaThatbyinnyuBagan Archaeological MuseumBagan Golden PalaceTharbar GateNat Taung Kyaung Teak Wood MonasteryTaung Bi Teak Wood MonasteryMingalar ZediShwegu Gyi PhayaBu PayaUpali TheinShwe Leik TooBulethiTha Beik HmaukThagya Pone TempleThagya Hit TempleMyin Ka Bar Village Myazedi Pagoda in Bagan, Myanmar Myazedi Pagoda in Bagan, Myanmar Shwe Leik Temple in Bagan, Myanmar Manuha Guphaya temple in Bagan, Myanmar Manuha Guphaya temple in Bagan, Myanmar Nanpaya Temple in Bagan, Myanmar Nagayon Temple in Bagan, Myanmar Sein Yet Ama/Nyima Pagoda in Bagan, MyanmarTemples and attractions in Myin Ka Bar VillageMyazedi PagodaGu Byauk GyiManuha TempleNan HpayaApeyadana (Abe Yadanar/Abeyadana)Naga Yon HpayaSein Nyet AmaSeinnyet NyimaNyaung-U She Myet Hna in Bagan, MyanmarTemples and attractions in Nyaung-UShwezigon PagodaNyaung-U MarketShe Myet HnaDhammayazaka(Dhammayazika) PagodaNew Bagan Ashe/Anauk Petleik Pagodas in Bagan, Myanmar Lawkananda Pagoda and Ayeyarwady River, in Bagan, MyanmarTemples and attractions in New BaganLawka NandaAnauk Petleik PagodaAshe Petleik Pagoda Don't Stop HereDid you find this travel guide helpful? Share your Bagan experience & tag #detourista. Follow trip updates on: Instagram, Facebook & Pinterest.Achieve your travel goals with #detourista!Follow on InstagramSee more Bagan blog tips & travel guides:6 Places To Visit in MyanmarAsian Countries To VisitCheck out these pages for more travel inspiration beyond Bagan:Ho Chi Minh Travel GuideEl Nido Travel Guide20 Places To Visit in Thailand5 Places To Visit in Laos Don't leave yet. There's more!Florence Trip + Itinerary Guide for First-TimersHong Kong Trip + Itinerary Guide for First-TimersSingapore Trip + Itinerary Guide for First-TimersHo Chi Minh Trip + Itinerary Guide for First-TimersDiscover more blogs and travel tips in:BaganSoutheast AsiaMyanmarAsiaSee all placesFind more posts about:FeaturedLeave a Reply Cancel replyYour email address will not be published. Required fields are marked *CommentName * Email * Website This site uses Akismet to reduce spam. Learn how your comment data is processed.


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The coolest Fashion's Night Out event we've seen so far
Fashion's Night Out was created with good intentions: to energize an ailing industry.
But in recent years, that energy has turned into a cupcake-, champagne-, and celeb-fueled frenzy.
You think sample sales are bad? Try walking down Broadway while thousands of 21-year-old women bum-rush Kim Kardashian.
If you still feel compelled to venture out, we've found the coolest, most Zen-sounding event in town: EcoSalon's Sustainable Fashion Party at the Textile Arts Center.
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Big West Athletes Post Stellar Performances during Day Two of NCAA Women's Swim Championships
The second day of the NCAA Women's Swimming & Diving Championships has been completed and the Big West athletes in competition delivered solid performances on the national stage. The Championships are being held at the Student Recreation Center Natatorium on the campus if Texas A&M in College Station, Texas.
UC Davis junior Heidi Kucera went 1:00.99 in the prelims of the 100-yard breaststroke to finish 24th overall, the best finish for Kucera at the national meet after placing 54th in the 200 individual medley yesterday morning. In addition, Kucera's time is the third-fastest time of the season and was just 0.61 seconds off her school-record time. Tomorrow, Kucera will compete in the 200 breast, which is arguably her strongest event.
UC Santa Barbara was represented in three individual races and one relay competition during day two of the national meet. Sophomore Sara Nicponski and teammate senior Katy Freeman both swam in the 100 breaststroke prelims. Nicponski finished 21st overall with her career best time of 1:00.82, shaving .15 seconds off of her previous top time. Freeman finished 30th overall, touching the wall in 1:01.29. In the 100 backstroke, junior Naomi Javanifard posted a time of 55.23, finishing 58th in the event's morning prelims. Prior to the individual events, the Gauchos swam in the 200 medley relay. The UCSB team made up of Javanifard, Freeman, Erin Yamamoto and Anne Marie May finished 17th (1:39.54) in the prelims, failing to secure a place in the event's finals.
Pacific senior Jenny Lewis finished with a 61st place finish in the 100 back (55.51). She qualified for the event with a seed time of 54.91 during the Big West Championship Meet in February. Lewis was .19 seconds off a tie for a 60th-place finish. Jordan McHorney from Virginia Tech finished in 60th with a 55.30 race.


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The Obamas presidential portraits just came out, and they are amazing.
I want a print of each one for my home. Everyone wants a print of each one for their home. Barack Obama's portrait should be every album cover from now on.
The Obamas portraits are made even better by the fact that until them, presidential portraits were either the most boring or the strangest creations of all time, and nothing in between. If I weren't from America and looked at these presidential portraits without knowing anything else, I would think it was a list of potential actors to be cast as the lead of Mr. Rogers Neighborhood. Read more…
More about Watercooler, Smithsonian, Obamas, Presidential Portraits, and Culture
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Anybody who watched the Arsenal – Birmingham game on Saturday would think Birmingham would have to improve substantially, if they are to avoid relegation this season.
Shola Ameobi – going nowhere
Birmingham were just not at the races at the Emirates, and they certainly looked a poor side, and we know that has to be a concern to the Birmingham fans – because the very last thing they want is a seocnd relegation in three years, and a third relegation in five years.
That would probably be a good definition of a yoyo side.
Newcastle supporters now know what it's like being relegated from the Premier League and will sympathize – because it's absolutely terrible.
It seems that manager Alex McLeish has today come in for some criticism from Birmingham's acting chairman Peter Pannu, who sent out an open latter to supporters, basically saying things were just not good enough.
But Alex has said the Blues board, the players and himself are all still pulling in the same direction.
McLeish has said today that Newcastle striker Shola Ameobi is under consideration – but we can tell him right now he will be wasting his time.
First of all the local lad still has a job to do at Newcastle, and the Magpies are hardly going to help them out with a players who could get Birmingham out of trouble, when Newcastle are not yet safe from relegation this season.
But Birmingham still have to sign somebody who can put the ball into the back of the net, since that's their huge failing this season, with only 21 goals scored in their 22 league games.
We wish Birmingham the best in getting the striker they so desperately need – but he will not be Shola Ameobi.
Comments welcome.
65 comments so far
I have to say Ed, a fair few fans would disagree with you, and incidentally me, when it comes to letting Shola go!
I personally want to keep him. He's scored important goals for us throughout his career and he is Black and White to the core! I just can't imagine him being his usual frustrating self in any other colours!
He's the 2nd highest scoring Tyne/Wear derby player EVER, only behind Jackie Milburn!
The only plus point in selling him, would be the lack of time left on his contract and whether or not we want to offer him a new one? Is it better to make a bit of money off him than nothing at all, or could the goals he scores whilst running down the remainder of his contract be worth the 50m+ that we get from staying up?
With Stoke signing Carew, West Ham have had a loan bid to buy accepted for Demba Ba (much like our Arfa deal pay under half for the loan then a few mill more to buy) he IS AN AMAZING player, why dont we try and beat Hammers to him tbh he would choose a team like us over hammers and would suit our style of play a guy who works hard and can score and is very strong PLZZZZZZZZZZZZZZZZZ PARDEW DO YOU JOB AND GET THIS GUY IN NOW!!!!!!!!!
I'm sorry but, I would sell Shola in a heart beat. Great lad, geordie to the core but come on, the guy has had plenty of time to step up. Yeah hes popped up with some important goals but christ, he has never ever done it on a regular basis OR enough.
We are very weak up front at the minute for a club our size. I mean if we had Carroll and bent for instance we would be pushing the top 4! We need a striker of real quality if we ever want to push for those european places again imo and all our striker bar Andy Carroll dont fit the bill. They are good squad players but we need a new first team partner for carroll to push on
As fans we would all sell Strolla, still can't believe he is at the club
But can't see Padrew letting anyone go in Jan.
We currently have a championship quality strike force (best is not good enough either).
First 11 Starters in Feb
Jonas cannot cross the ball and until we get a proper premiership quality striker, Nolan is still the better option from Loven, Best and Strolla
We are far from having a championship attack!
We have the 3rd and 4th highest scoring players in the league and the 1st n 2nd highest scoring Englishmen…They cost a combined total of £4m whilst Tevez and Berbatov cost approximately £56m more and have only scored 10 more between them!
Gutierrez is so underated by the fans it's unbelievable. Yeah his crosses aren't great but the amount of things he does for the team in a match is crazy…Also, no Ben Arfa? howay man!
Got to agree Ameobi is not a great striker,but every time i watch this video of him.
I feel like he is a fcking legend at Newcastle!
dont you think Jonas should be converted to a CM or CAM or something i dont think the wings suit him at all if he is in the center he could take the ball from Tiote and move it foward and pass to wingers or have a good run and try to find strikers or shoot would open more parts of his game he could do end of the day his workrate is AMAZING and we need that!
I for one am grateful for some of the crucial goals shola has come up with when we have needed them most. I do however think maybe i is time for both him and NUFC to move on, we need to strengthen our strike force whether strolla mcloven or best goes. We need a fresh proven striker in.
Either way cheers shola
@26.. Rotonda
Of course he's not the most prolific of strikers but you can't deny he's scored some pretty improtant goals for us.
We need ot retain him as a squad player and yes, we do need someone to sit alongside Carrol regulary.
Judging by Collo's goal on Saturday, maybe he's the man? Only jesting!
Lesh Comment 8
Best needs time to prove whether or not he is good enough for the top level. He has done nothing wrong up to now. We have had years of inconsistent performances from Shola. In my opinion we would easily be able to replace him with a better player. Shola is local, so surely that would mean even more effort in his workrate? I have been watching him since he was about 16 so I have had enough time to form an opinion. As for Best, I personally don't think he will be good enough, but he deserves a fair chance and I would love to be proved wrong. I want every player in a black and white shirt, regardless of there background and off the field problems, to succeed.
shola has scored crucial goals for us before and he seems to do well when coming on as a sub for someone else.
the one thing that i would say is that he lacks motivation and i am not sure how well he could motivate himself when playing for the brummies.
i would be sad to see him go as he makes a good backup striker as he does score sometimes and never complains about losing his place, its just he cant pass and is often off target with his headers.
don't need a replacement til the summer best or ranger could probably do as good up top on his own and carroll doesn't get inj that often just play
jonas——————–ben arfa-
just get a better right att like al arabi or barnetta he is back in about 3wks


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Don't pretend you don't spend your free time Googling what your favourite celebrities are up to.
As it does every year, Google has just released its search statistics for 2016, and the results might actually surprise you. Here goes:
Despite the media only finding out about her relationship with Prince Harry in October, 'Suits' actress Meghan Markle has topped the list. Yep, our could-be Princess has taken over the internet, and is officially the most Googled female actress of the year. Quite an achievement, we must say!
We are fascinated with her and admittedly have been for years, and we're quite proud that the rest of the world is catching up.
So who did she beat for the top spot?
French stunner Marion Cotillard came in second – this no doubt must have had something to do with the allegations that she was partly to blame for the Brangelina split. Obviously we don't know for sure, but that would be our guess…
Strangely, Angelina Jolie was nowhere to be seen on the top ten list of most Googled actresses of the year, but her soon-to-be ex-husband Brad Pitt secured the top spot for most Googled actors. Pretty interesting, right?
Taylor Swift's ex Tom Hiddleston came second, while 'Girls'/'Star Wars' actor Adam Driver secured the third spot.
'Star Wars' has had a pretty big impact on Google this year, as newbie Daisy Ridley was the fourth most Googled actress of the year. Best Actress and Best Supporting Actress Oscar winners Brie Larson and Alicia Vikander secured the fifth and ninth spots, respectively, while 'Stranger Things' superstar Milly Bobby Brown finished off the list nicely and came in tenth.
Are you surprised by any of these? Who do you think you Googled the most this year?


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Home › Forums › BLUE COLLAR SAINTS FORUM › LGBTQ Push into Schools & Churches
This topic contains 1 reply, has 2 voices, and was last updated by revtom 1 year, 10 months ago.
April 3, 2017 at 3:20 pm #513
A Family Action & Education conference was held this past weekend in Austin, Texas to equip and network Christians to expose and defeat the LGBTQ offensive to train teachers to be "LGBT-affirming" so they can instruct children in gay, lesbian and transgender sexuality as early as pre-Kindergarten, without their parents' knowledge. Two Texas teachers, one retired and the other fired for refusing to participate this radical program, were presenters at the Mass Resistance event:
"Caryl Ayala explained how she was forced to endure hours of training to be an "LGBT-affirming teacher" and there were implicit threats that teachers who objected would not advance. She said children as young as four were given books and assignments requiring them to tell teachers how they felt about people of same sex falling in love, same-sex couples raising children, and people transitioning between sexes. She was even told not to refer to students as boys and girls… in pre-K. Sharon Armke delivered a passionate speech complementing Caryl's, about how her dreams of getting her teaching certificate were dashed when she was dropped from the program, as she has made her Christian beliefs in sex and gender identity known."
Thomas Littleton, author of the Blue Collar Saints articles, also spoke at the Austin conference:
"Rev. Littleton is a Southern Baptist evangelist from Alabama who spent years in ministry outreach to homosexuals. Along the way he got to know a lot about the LGBT movement, how little it did to help actual gay people, and how fixated it was with the churches. Rev. Littleton brought many books and exhibits with him to show how, since the 1960s, concerted efforts backed by enormous funding have focused on changing the world religions to make rules about chastity no longer operable. He mentioned the Yogyakarta Principles and earlier works. He discussed his own meetings with people in the Human Rights Campaign, who told him several years ago that one grant had been for $8 million to create ways to change Baptist churches in Alabama, Mississippi, and Arkansas. The gay groups sought to send trans youth or gay couples into churches to "test" them. People in churches, even in the Bible Belt, were intimidated into accepting homosexuality. Pastors refrained from discussing sexuality in sermons and came to pretend as though certain scriptures like Romans 1 did not even exist. Tom's lecture was a sobering review of how far the tentacles of this lobby have reached even into churches, which bodes ill for hopes of religious liberty in the future."
More info at Mass Resistance Texas
Also informative are radio interviews by Janet Mefferd of another speaker at the Austin Family Action conference, Prof. Robert Lopez:
Dr. R0bert Lopez – March 13, 2017
Dr. R0bert Lopez – March 20, 2017
There is a huge funding behind the LGBTQ push into the public schools and churches. Soon Christian schools will be assaulted by these orgs demanding admission for LGBTQs. Thomas mentioned a grant of $8 million given to the HRC to compromise the Biblical position of Baptist churches in Alabama, Mississippi, and Arkansas. In 2008, a $1.2 million grant was given to the National Gay and Lesbian Task Force Foundation's "Institute for Welcoming Resources" and its partner LGBTQ orgs to infiltrate and takeover Christian churches that were not yet on board with the radical gay agenda. The Arcus Foundation, which only funds homosexual causes, boasts giving billions for LGBTQ rights, especially demands for affirmation and inclusion in Christian churches and ministries. In 2015, ARCUS awarded more than $18 million to LGBTQ organizations to promote "social justice", i.e, pressure Christian churches to be "welcoming" and affirming of LGBTQs:
"This program area supports pro-LGBT, faith-based organizing and advocacy within the context of the three Abrahamic faiths: Christianity, Islam, and Judaism. Though Arcus' initial religious investments were focused primarily in the United States, the foundation is continually expanding its grantmaking to encompass faith-based efforts taking place around the world, particularly in the Global South, including Africa, Latin America, developing countries in Asia, and the Middle East."
- This topic was modified 1 year, 10 months ago by watch-pray. Reason: Added audio programs of Dr. Lopez
April 3, 2017 at 4:34 pm #514
Please pray for the churches and pastors in Texas who are working to prevent radical pro gay curriculum from becoming mandated and forced into public schools in the name of anti bullying/ mental health counseling / "inclusive" sexual education and Welcoming Schools". Also please pray that more pastors and churches will awaken and see what is happening and stand up against it. Check your state and local school system for these same intrusions being forced on students in your state. Texas is ground zero right now because of its past conservative and Christian influence in education and curriculum. Your state may be next if it is not being targeted already.
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About The Author
Jacklyn is the Editor In Chief of Stage Right Secrets. Jacklyn's photography and articles can also be found on The Recording Academy's GRAMMY.com GRAMMYPro, GRAMMYU, and Thought Catalog. Besides press Jacklyn is a "Jack of All Trades" doing various jobs at local concerts and touring.
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Agency and Media Reception
Experiencing Video Games, Film, and Television
Part of the Film, Fernsehen, Medienkultur book series (FFM)
Part of the Film, Fernsehen, Medienkultur book series (FFM)
What happens to our sense of agency, our general ability to perform actions in our lifeworlds, in the course of media reception and appropriation? Whilst considering media communication as a special form of social action, this work reconsiders the key concepts of social action theory, pragmatism, communication theory, as well as film, game, and television theory. It thus integrates agency as the key to understanding 'doing media' and at the same time conceptualizes agency as a specific mode of involvement across media boundaries. This approach amalgamates miscellaneous ideas and conceptions such as interactivity, participation, cognitive control, play or empowerment and applies the theoretical considerations on the basis of textual analyses of the films Inception and The Proposal, the TV shows Lost and I'm a Celebrity and the video games Grand Theft Auto IV, and The Walking Dead.
-Agency Interdisciplinary
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-Textuality and Agency – Exemplary Analyses
-The Quality of Agency in the Media
Target Groups
-Researchers and students of Media Studies in general, game studies, film studies, and television studies
The AuthorDr. Susanne Eichner is lecturer at the Academy of Film and Television, Potsdam-Babelsberg (Hochschule für Film und Fernsehen "Konrad Wolf") in the department of Media Studies.


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11 Ways Rich People Think Differently Than The Average Person
Inspiring People Showing What Willpower And Hard Work Can Do
Christmas is almost upon us, which means that the time for making new year's resolutions is also drawing near. Maybe 2017 is the year you stop smoking? Maybe it's the year you learn a new language? Or perhaps you're finally going to start hitting the gym to shed some of …Read More »