Are We Entering The Age of The Cryptocurrency

my cryptocurrencyAre We Entering The Age of The Cryptocurrency

 

I have started taking an interest in Cryptocurrency and the fact that it offers a number of advantages over paper based currencies. Unlike paper currencies, which Governments can print at will, Cryptocurrency is restricted which means that the value of these coins increases.

 

Take Bitcoin, the best known coin, launched in 2008 with a value in 2009 1 BTC = 0.0001 USD and is now currently at $725. Over the years there have been quite large fluctuations :-

  • June 2010 1 BTC = 0.07 USD

  • June 2011 1 BTC = 15 USD

  • June 2012 1 BTC = 7 USD

  • June 2013 1 BTC = 100 USD

  • June 2014 1 BTC = 600 USD

  • June 2015 1 BTC = 220 USD

  • June 2015 1 BTC = 750 USD

It is interesting to note anyone who has held Bitcoin since the early days has seen a great increase in his asset.. I first came across Bitcoin when I moved to Cyprus in 2013. the Banks shut for days and then restricted both withdrawals and deposit and many people started to use Bitcoin because the banks stole peoples savings. The security with Cryptocurrency protects your holdings and to some extent provides anonymity.

Theft and fraud risks can be quite high when holding Cryptocurrency in online wallets or exchanges and it is recommended that is is best to use mobile wallets or even record you account details on paper. I still have to come to terms with using mobile data and until I learn how to use scan and use QR codes. Individuals cryptocurrencies are digital and cannot be counterfeited or reversed arbitrarily by the sender, as with credit card charge-backs.

One of my pet hates is transaction fees from bank and this is where cryptocurrency comes into its own There aren’t usually transaction fees for cryptocurrency exchanges . Even though there’s no bitcoin/cryptocurrency transaction fee, many expect that most users will engage a third-party service, such as Coinbase, creating and maintaining their bitcoin wallets. These services act like Paypal does for cash or credit card users, providing the online exchange system for bitcoin, and as such, they’re likely to charge fees

Identity theft isa growing concern for example. If you give your credit card to a merchant, you give him or her access to your full credit line, even if the transaction is for a small amount. Credit cards operate on a “pull” basis, where the store initiates the payment and pulls the designated amount from your account. Cryptocurrency uses a “push” mechanism that allows the cryptocurrency holder to send exactly what you wants to the merchant or recipient with no other information.

Decentralization means the network operates on a user-to-user (or peer-to-peer) basis. The forms of mass collaboration this makes possible are just beginning to be investigated.

Since cryptocurrency is not bound by the exchange rates, interest rates, transactions charges or other charges of any country; therefore it can be used at an international level without experiencing any problems. This, in turn, saves lots of time as well as money on the part of any business which is otherwise spent in transferring money from one country to the other. Cryptocurrency operates at the universal level and hence makes transactions quite easy. There is no other electronic cash system in which your account isn’t owned by someone else.

David Ogden

http://information.cryptocoin20.com

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Search Engine Tools

Search Engine Tools

SEOs tend to use a lot of tools. Some of the most useful are provided by the search engines themselves. Search engines want webmasters to create sites and content in accessible ways, so they provide a variety of tools, analytics, and guidance. These free resources provide data points and unique opportunities for exchanging information with the engines.

Below we explain the common elements that each of the major search engines supporting and identify why they are useful.

Common Search Engine Protocols

Sitemaps

Think of a sitemap as a list of files that give hints to the search engines on how they can crawl your website. Sitemaps help search engines find and classify content on your site that they may not have found on their own. Sitemaps also come in a variety of formats and can highlight many different types of content, including video, images, news, and mobile.

You can read the full details of the protocols at Sitemaps.org. In addition, you can build your own sitemaps at XML-Sitemaps.com. Sitemaps come in three varieties:

XML

Extensible Markup Language (recommended format)

  • This is the most widely accepted format for sitemaps. It is extremely easy for search engines to parse and can be produced by a plethora of sitemap generators. Additionally, it allows for the most granular control of page parameters.
  • Relatively large file sizes. Since XML requires an open tag and a close tag around each element, file sizes can get very large.

RSS

Really Simple Syndication or Rich Site Summary

  • Easy to maintain. RSS sitemaps can easily be coded to automatically update when new content is added.
  • Harder to manage. Although RSS is a dialect of XML, it is actually much harder to manage due to its updating properties.

Txt

Text File

  • Extremely easy. The text sitemap format is one URL per line up to 50,000 lines.
  • Does not provide the ability to add meta data to pages.

Robots.txt

The robots.txt file, a product of the Robots Exclusion Protocol, is a file stored in a website's root directory (e.g., www.google.com/robots.txt). The robots.txt file gives instructions to automated web crawlers visiting your site, including search crawlers.

By using robots.txt, webmasters can indicate to search engines which areas of a site they would like to disallow bots from crawling, as well as indicate the locations of sitemap files and crawl-delay parameters. You can read more details about this at the robots.txt Knowledge Center page.

The following commands are available:

Disallow – Prevents compliant robots from accessing specific pages or folders.

Sitemap –Indicates the location of a website’s sitemap or sitemaps.

Crawl-Delay –Indicates the speed (in milliseconds) at which a robot can crawl a server.

Warning: Not all web robots follow robots.txt. People with bad intentions (e.g., e-mail address scrapers) build bots that don't follow this protocol; and in extreme cases, they can use it to identify the location of private information. For this reason, it is recommended that the location of administration sections and other private sections of publicly accessible websites not be included in the robots.txt file. Instead, these pages can utilize the meta robots tag (discussed next) to keep the major search engines from indexing their high-risk content.

Disallow Robot

Meta Robots

The meta robots tag creates page-level instructions for search engine bots.
The meta robots tag should be included in the head section of the HTML document.

In the example above, “NOINDEX, NOFOLLOW” tells robots not to include the given page in their indexes, and also not to follow any of the links on the page.

Rel="Nofollow"

Remember how links act as votes? The rel=nofollow attribute allows you to link to a resource while removing your "vote" for search engine purposes. Literally, "nofollow", tells search engines not to follow the link, although some engines still follow them to discover new pages. These links certainly pass less value (and in most cases no juice) than their followed counterparts, but are useful in various situations where you link to an untrusted source.

In the example above, the value of the link would not be passed to example.com as the rel=nofollow attribute has been added.

Rel="canonical"

Often, two or more copies of the exact same content appear on your website under different URLs. For example, the following URLs can all refer to a single homepage:

  • http://www.example.com/
  • http://www.example.com/default.asp
  • http://example.com/
  • http://example.com/default.asp
  • http://Example.com/Default.asp

To search engines, these appear as five separate pages. Because the content is identical on each page, this can cause the search engines to devalue the content and its potential rankings.

The canonical tag solves this problem by telling search robots which page is the singular, authoritative version that should count in web results.

In the example above, rel=canonical tells robots that this page is a copy of http://www.example.com, and should consider the latter URL as the canonical and authoritative one.

Chuck Reynolds
Contributor

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6 Social Media Jobs That Are Great For Millennials

Jimmy Rohampton ,    CONTRIBUTOR
I cover how to use social media to level up your career  

Opinions expressed by Forbes Contributors are their own.
If you’re a millennial, learning to use social media was as natural as learning to walk. That might be a bit of an exaggeration, but social media has been a big part of your life for nearly as long as you can remember. In fact, it’s such a central part of your day that you probably have a hard time staying away from your apps. On average, millennials spend 5.4 hours a day consuming user-generated content, much of it on social media.

If you consume a lot of content on Twitter, Facebook and more, a social media career might be right for you. After all, you’ve already put in the time as a digital native. Now, you might as well get paid for it. The key is to match your skill set and salary needs with the right social media job.

social media careers
Pexels.com

Then, you’ll get paid to do something you love. Here are a couple social media jobs that might be right for you:

1. Social Media Manager

Are you the type of person that likes to be in charge? If so, you might be perfect for a social media manager position. Social media managers are responsible for all aspects of social media campaigns. You’ll take care of the strategy, implementation, and marketing.

If you work for a small business, expect to wear a lot of hats with this position. You will be the resident strategist one minute, and the next minute you’ll be putting that strategy into action. If you work for a big company, though, you can expect to have some employees under you. These employees will take on most of the duties and you’ll watch over them.

Recommended by Forbes
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Social media managers make an annual median salary of $46,169 and there is a projected growth outlook of 13%. In other words, you can expect lots of these jobs to pop up in the coming years.

2. Social Media Specialist

If you excel at strategizing but don’t want all of the responsibilities that come with being a social media manager, you can become a social media specialist. Social media specialists are responsible for developing strategies to meet companies’ and clients’ social media needs.

Don’t worry, though. It’s not all work and no play. You’ll also immerse yourself in social media posts. In fact, you’ll need to monitor all of the social media conversations to determine which direction your company should go in when posting on social media. On average, social media specialists make $38,100.

3. Social Media Coordinator

As a coordinator, you’ll be responsible for making sure that all of the posts go live every day. You can’t just post on a whim, though. You’ll follow a posting calendar for all of the social media accounts. Message relevancy is very important for social media coordinators. You’ll speak to people in all of your company’s departments to make sure you’re staying on message with each post.

A social media coordinator has a median salary of $37,865 and it has a projected growth rate of 6% up to 2024.

4. Social Media Analyst
If you like the numbers side of social media, consider becoming a social media analyst. You’ll look at various metrics and trends to help your team cultivate a social media strategy. Keep in mind that analytics are constantly changing so you’ll need to keep your hands on the wheel at all times. You can expect a fast-paced career if you become an analyst.

Social media analysts make an average of $45,720 a year.

5. Social Media Community Manager

Do you spend a lot of time interacting with people (even strangers) online? If so, you might have the perfect personality to become a social media community manager. This fast-paced job puts you right in the middle of the online action. You answer questions, join conversations, and offer solutions.

In some cases, you’ll even have to get conversations started. You’ll be the spark that ignites exciting conversations on all of the channels. When you do this, you have to keep your company’s brand in mind. Every conversation should focus on the brand and improving the user experience.

Social media community managers make an average of $31,500 a year.

6. Social Media Planners

Recommended by Forbes
6 Ways To Turn Your Social Media Expertise IntIf you have a knack for advertising, you might be interested in becoming a social media planner. As a planner, it will be up to you to find a way to advertise a product or brand across social channels. You’ll have to allocate the budget and make the best advertising purchases for your company or clients.

You’ll make an average of $45,000 a year if you take a job as a social media planner.

 

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What is God’s Blessing?

What does Jesus say about being blessed?

Written by Joy on 29/08/2015
Series: Weekly Devotional
Tags: Blessings, Favor, Jesus, Money, Wealth
“Blessed are the poor in spirit, for theirs is the kingdom of heaven. Blessed are those who mourn, for they will be comforted. Blessed are the meek, for they will inherit the earth. Blessed are those who hunger and thirst for righteousness, for they will be filled. Blessed are the merciful, for they will be shown mercy. Blessed are the pure in heart, for they will see God. Blessed are the peacemakers, for they will be called children of God…..” Matthew 5:3-12

To be blessed by God means having God’s favor and goodness. We often think of blessings as riches, high position, health, and happiness. However, Jesus’ famous words about blessings show us that God has a different definition of being blessed.

Who is Blessed?
Jesus’ list of blessed people in Matthew 5 include the needy, sad, meek, and persecuted. This might offend us since we value strength, confidence and independence. But Jesus says we must realize our need for God in order for us to receive His blessing. “These are the ones I look on with favor: those who are humble and contrite in spirit, and who tremble at my word.” (Isaiah 66:2b). Those who show mercy and bring peace, who desire righteousness and a pure heart, show they are true followers of God’s Word.

What are the Blessings?
Jesus never mentions wealth or position, health or happiness as blessings. Instead, he says the greatest blessing is to have a place in the kingdom of heaven and to be called a child of God. To be shown mercy by a Holy God, to know His grace and love in our lives, to know God in an intimate relationship — These are true blessings. “See what great love the Father has lavished on us, that we should be called children of God!” (1 John 3:1a).

Jesus paints a picture of a person that is more interested in spiritual rewards than things of this world. “Store up for yourselves treasures in heaven…” (Matthew 6:20). Jesus had no personal wealth, but he was still blessed. How? “It is more blessed to give than receive.” (Acts 20:35) Jesus gave his life for us. The blessing of giving is not material prosperity but an inner joy and peace that God gives us when we imitate His loving sacrifice for others.

How are We Blessed?
When Jesus tells us to hunger and thirst for righteousness, it reminds us of his words in John 6:35 – “I am the Bread of Life. Whoever comes to me will never go hungry, and whoever believes in me will never be thirsty.” Jesus is our ultimate blessing or gift from God. He is the only one who can cleanse us of sin and give us a pure heart so we can see God. (John 6:40) Through Him we become co-heirs to the Kingdom of Heaven, which is our greatest blessing.

Pray this week:

That God will reveal the amazing blessings He has given you through your faith in Christ.

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Why Suicide is Not an Option

Why suicide is the ultimate denial to God

Written by GodLife on 16/08/2016
Series: Weekly Devotional
Tags: Betrayal, Depression, Failure, Hope, Purpose, Suicide
Then Judas threw the silver coins down in the Temple and went out and hanged himself.

Matthew 27:5
Life can sometimes feel hopeless. Maybe you are going through the death of a loved one, a permanent disability, failure or betrayal. You’re not alone.

Do not choose Judas’ path of ending his own life with suicide. Instead, read on to see how some of God’s people have responded to these feelings rather than suicide:

1.Betrayal: David
David, the “man after God’s own heart,” was running away from King Saul, whom he had served. He fled to Israel’s enemies and they betrayed him, taking his family captive. Even David’s trusted followers began to turn on him: “David, too, was in anguish. Some of his men talked about stoning him because they were so bitter about their families being taken.” Who else was left at this point? “But David took comfort in the Eternal One, his True God” (1 Samuel 30:6). With God, David had stood against impossible odds before. (See 1 Samuel 17)

2. Loss: Job
Because of the devil’s attack, Job lost everything: his riches, his family… even his health. “Why does God let me live when life is miserable and so bitter? I keep longing for death more than I would seek a valuable treasure. Nothing could make me happier than to be in the grave.” (Job 3:20-22). It’s hard to imagine Job’s suffering. But he came to realize how unwise these words had been: “I have said things that I did not understand, things too great for me, which I did not know.” (Job 42:3)

3. Hopelessness: Paul
Paul was the fearless missionary (Acts 21:13) who sang in prison (Acts 16:25) and wrote part of the New Testament. He once admitted, “We were crushed and overwhelmed beyond our ability to endure, and we thought we would never live through it” (2 Corinthians 1:8).

More understanding may not change how you feel, but don’t trust your emotions. For a child of God, life is never hopeless. How can you really say you trust God with your eternity if you don't trust Him now? All of these men suffered greatly, but God had a greater plan for their lives on earth which they fulfilled. Please read 2 Corinthians 4:1 through 6:1. This is where Paul reveals this plan, and how it includes you

Pray this week:

Oh, God, I may be hurting so much right now, but I commit to trusting you no matter what. Your love for me is so great that you suffered worse for me. You have total knowledge and power. Your plan for my life is bigger than what I am going through, so I believe you will bring me through it.

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CHICKEN CACCIATORE

Easy to make and loved by the entire family…..cacciatore aromas fill your kitchen — no — your whole house…..with comfort and warmth as it looks after itself on the stove or in the oven! 

Cacciatore means hunter in Italian, and alla cacciatora translates to a  ‘hunter-style’ meal with chicken (or rabbit), onions, tomatoes, herbs, vegetables, and usually wine or vinegar. This is one of those recipes I found years ago in an old, tattered Italian cookbook, and every time I’d remake it through the years, I’d change something or adjust the cooking, which eventually brought me to this recipe. One I love and make time and time again.

Keep it low carb and serve over cauliflower rice or vegetables. OR carb load it with pasta or rice! If there are any leftovers, the flavours are even better the next day! Or you can freeze it for another night.

CHICKEN CACCIATORE

Slow cooked Chicken Cacciatore, with chicken falling off the bone in a rich and rustic sauce is simple Italian comfort food at its best.
Author: Karina – Cafe Delites
Serves: 6
INGREDIENTS
6 skinless chicken thighs, bone-in
Salt and pepper to season
2 tablespoons olive oil (more if needed )
2 tablespoons minced garlic (or 8 cloves)
1 medium onion, diced
1 small yellow pepper (capsicum), diced
1 small red pepper (capsicum), diced medium
1 large carrot, peeled and sliced
10 oz | 300g mushrooms, sliced
½ cup pitted black olives
8 sprigs of thyme
2 tablespoons each freshly chopped parsley and basil, plus more to garnish
1 teaspoon dried oregano
150 ml red wine
2x 14 oz | 410g cans crushed tomatoes
2 tablespoons tomato paste
7 oz | 200g mini Roma tomatoes, halved
½ teaspoon red pepper flakes
INSTRUCTIONS

Season chicken with salt and pepper. Heat oil in a heavy cast iron skillet, drizzled with olive oil.
Add the garlic and fry until fragrant (about 30 seconds). Add the onion, peppers, carrot, mushrooms and the herbs; sauté for 5 minutes until the onion is transparent and the vegetables are beginning to soften.
Add the chicken and sear on both sides until deep golden brown on both sides. (Occasionally mix the vegetables around the chicken in the pan so they don't stick).
Pour in the wine and allow it to simmer and reduce down (about 5-6 minutes).
Add the crushed tomatoes, tomato paste, Roma tomatoes and chill flakes. Season with salt and pepper to your tastes. Continue to cook over stove top OR in the oven following the instructions below.
FOR STOVE TOP:
Mix all of the ingredients together; cover with lid, reduce heat and allow to simmer (while stirring occasionally) for 30-40 minutes or until the meat is falling off the bone. Add in the olives, allow to simmer for a further 10 minutes. Garnish with parsley and serve immediately.
FOR THE OVEN:
Transfer the covered skillet to a preheated oven at 375°F | 190°C and cook for 50 minutes. Remove the lid and cook for an additional 20 minutes until the chicken is tender and falling off the bone, and the sauce has reduced down.
FOR THE SLOW COOKER, USE THIS RECIPE: http://cafedelites.com/2016/11/08/slow-cooker-chicken-cacciatore/
NOTES
If the sauce is too thin for your liking, add 2 tablespoons of tomato paste while it's simmering to thicken.
TO MAKE AHEAD:
This chicken cacciatore can be made up to 1 day ahead, cooled, covered and refrigerated. Rewarm over low-medium heat. 
TO FREEZE:
Transfer the cooled cacciatore into an air tight container and transfer to the freezer. The day of serving, thaw it out in the morning and bring to room temperature. Transfer to a skillet / pan and reheat over low-medium heat until warmed through.

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Is a college degree required for computer programming?

Is a college degree required for computer programming?

Is computer programming becoming a trade?
Technically speaking, you can skip college, go to coding school and land a good job.


Here's why that's a bad idea.

Is computer programming becoming a trade? By at least one account, it is.An article published in the Wall Street Journal claims that would-be programmers can skip college, go to coding school and land a job. In "Computer Programming Is a Trade; Let's Act Like It," Christopher Mims says that a computer science degree is no longer a prerequisite for getting hired as a software developer. The evidence he offers to build his case is that coding schools — Codecademy, Code Fellows, and others — teach students basic computer programming skills over the course of a couple of months and are turning out non-degreed graduates who get hired.

Skipping college and jumping into the work world after a couple months of coding school is certainly plausible given the high demand for computer programmers, but it's a bad idea. In this edition of Quality Time, I explore why the argument that computer programming is a trade makes no sense. 

Harder than it looks

The idea that computer programming is a trade assumes that coding is a fixed skill set, but it's not. Languages and frameworks change all the time, and new ones emerge constantly. A skilled software developer, trained in algorithms and other computer programming concepts, can move among them with relative ease. It's not as easy if you haven't had extensive training.

A team sport

What troubles me most about the "programming is a trade" argument is that it completely ignores the context in which software is planned, coded, tested and maintained today. It assumes that writing software is a solo activity — the lone cowboy coder in a back room, interpreting requirements however, he or she wants — but that is precisely the approach that often failed to produce software of value for businesses and has given software pros such a bad rap. All of the current thinking about software development — the Agile methodology, for example — can be seen as a shift away from that mentality. In other words, a coder works alone, but software development is a team sport.

Collaboration skills are key

Under the current, whole team approach to software development, essential skills go way beyond just coding or testing. You need the ability to interact and collaborate effectively with others and the willingness to take on tasks that may initially fall outside your comfort zone. That includes testers coding scripts for automation projects, developers crafting unit tests to check their codes before they write the code itself. Both developers and testers must work with business stakeholders to effectively elicit the right requirements for the project.

Do you think software professionals can move up the ranks without a four-year degree?

Most [software professionals] stand to benefit greatly from a four-year degree.

Traditional computer science degree programs don't teach collaboration skills, per se. (They should, but that's a whole other column.) However, beyond basic knowledge, college teaches us a million things that prepare us for the workplace. It teaches us how to think, how to argue our case before a group or through the written word. Mastering these activities instills confidence that carries over into the workplace, making us better team players and better software professionals. And there is a no way a couple of months of coding school can teach us that.

Yes, I know, Mark Zuckerberg didn't finish college — nor did Bill Gates, or countless other highly successful people in the software business. But most of us stand to benefit greatly from a four-year degree.  A couple of months of trade school may work for some professions, but not ours.

Chuck Reynolds
Contributor

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Whatever your circumstances, be thankful that God loves you.

How to Thank God for His Wonderful Plan
Whatever your circumstances, be thankful that God loves you.

Written by GodLife on 22/11/2016
Series: Weekly Devotional
Tags: Jesus, Love, Thankfulness, God
Whatever happens, keep thanking God because of Jesus Christ. This is what God wants you to do.

1 Thessalonians 5:18
God created us in an awe-inspiring, magnificent world. He made sure we would not be alone, but have relationships with others. He made us able to appreciate the wisdom of His creation. The melody, texture, fragrance, flavor and spectacle of it impresses each of us. Our rebellion against His love gave Him the supreme opportunity to express it to us in a way we could understand. He did this by entering our world, wearing our flesh and bearing our curse. He has every right to complain: “They know about God, but they don’t honor him or even thank him.” (Romans 1:21) Instead, to those “…that refused to worship me, I said, ‘Here I am!’ All day long I have reached out to stubborn and sinful people going their own way.” (Isaiah 65:1b,2) and “…I will always love you; that’s why I’ve been so patient and kind.” (Jeremiah 31:3) He loved you enough not to leave you “living in this world without hope and without God.” (Ephesians 2:12)

Three big thoughts can help transform your thanksgiving and how you give thanks to God…

Acknowledge that God gives us everything we have
God is always reminding us that He doesn’t see us the way others do. He looks at the heart. It’s when our loyalty is divided that we fail to trust God. God wants us to trust that He’ll provide what we need. “What is so special about you? What do you have that you were not given? And if it was given to you, how can you brag?” (1 Corinthians 4:7).

Remember that God created us for His Glory.
The “wonderful plan” is for us. But it isn’t about us. Jesus Himself is the center of God’s plan. “They are my people — I created each of them to bring honor to me.” (Isaiah 43:7). “And to the glory of God the Father everyone will openly agree, “'Jesus Christ is Lord!'” (Philippians 2:11) Jesus came to save us so that we can live for Him: “He died so we would no longer live for ourselves, but for the one who died and was raised to life for us.” (2 Corinthians 5:15)

Recognize that God does everything for our sake.
If God’s purpose is so much bigger than me, does it mean that He doesn’t care if I suffer, as long as His bigger purpose is accomplished? No. It means that He’s willing to delay what He wants: which is you and me, “to be with me, [Jesus] wherever I am. Then they will see the glory that you have given me” (John 17:24). God wants us to be patient because He is patient (2 Peter 3:15). He’s patient because He wants not just us but “everyone to be saved and to know the truth.” (1 Timothy 2:4)

A passage in 2 Corinthians 4:7-5:20 puts it all together. Even life’s struggles are meant to show His power and our faith. We have much to look forward to: “All of this has been done for you, so that more and more people will know how kind God is and will praise and honor him.” (2 Corinthians 4:15). If we have nothing and can do nothing without Him, if our whole purpose is making the most of Him, and if His whole purpose is what is best for us, we truly can give heartfelt thanks to God, no matter what happens.

Pray this week:

Father, I know it’s always your will for me to be thankful and that it shows my trust in you. Thank you for showing me how much I have to be thankful for!

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Money Saving Tips

Money Saving Tips

Since my seasonal job is coming to an end I am taking stock of my financial situation and looking for way to reduce my spending. During the past year I have been teaching my wife how to control how she spends the income from her own part time job.

I used to use Quicken but when I changed my operating system to Linux, I was forced to change to Moneydance, both system are fairly similar and provide ways to control budgets and track expenditure by categories. I am generally responsible for all general bills including my car costs, with my wife responsible for her sons expenditure plus supporting her family in the Philippines and her car costs. We both are responsible for saving.

We have a mixture of Joint accounts, a business account and our own savings accounts. This year I opened a number of additional accounts to cover house insurance, car insurance, road tax and property tax in the Philippines. The additional saving accounts provide a way of saving money , rather than paying the services on a monthly basis with includes interest ,we renew on a yearly basis which saves us money for those accounts which do not allow interest free monthly payment.

I have even set up a number of automated bank transfers which distribute our income a couple of days after it is received into our various saving account, they only earn a few pence in interest but the bigger saving is being in a position in future years to pay upfront and not pay interest. With interest rates expected to rise next year, this will save you money.

I have been analysing my business costs which involve purchasing products in $’s and selling in £’s with exchange rates fluctuating due to Brexit and Trump. If I use my UK debit card to purchase products I am faced with an additional charge of £11-12 and an exchange rate that favours the bank.

However if I use the services of Transferwise who I have used for many years to send money to the Philippines the exchange rate cost are more reasonable . For example they would charge £2.28 and a competitive exchange rate saving me about £10 in every transaction.

Now I do operate an account in the USA, which also has a $ debit card, if I do not charge $250 a month to my card the bank will charge me $16 per month as account charges. Now you can perhaps see that with a combination of using my US debit card to purchase products and transferring funds to my USA account I can save £10 + $16 (12.9) or around £22-32 per month.

One other way to earn money we earn money is with a Tesco Club card, collecting points when buying petrol, food, household items and other items online with Tesco direct. We earn £15-20 per month in cash back as well as additional points and offers.

Saving rates are at an all time low at the moment and to be honest its hardly worth leaving it in the bank, which is why I am using some of my savings and pumping it through my business to provide a better return, with the changes I am putting in place from above, my profits are set to grow faster.

David Ogden is an Entrepreneur at MarketHive

 

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The New York Times, other outlets crying ‚wolf‘ over Trump

The New York Times, other outlets
crying 'wolf' over Trump

All told, all but one of these stories and editorials can safely be deemed anti-Trump. Only one analysis can be considered to be down-the-middle: "Let’s Say Obamacare Is Repealed. What Then?" And of course, the editorials especially are so far off the rails in terms of negativity that it's almost comical in its hysteria. 

This "coverage" comes just one week after New York Times publisher Arthur Sulzberger and executive editor Dean Baquet promised in a letter to readers that the paper to "rededicate" itself to "…hold power to account, impartially and unflinchingly." They wrote:

As we reflect on the momentous result, and the months of reporting and polling that preceded it, we aim to rededicate ourselves to the fundamental mission of Times journalism. That is to report America and the world honestly, without fear or favor, striving always to understand and reflect all political perspectives and life experiences in the stories that we bring to you.

It is also to hold power to account, impartially and unflinchingly. You can rely on The New York Times to bring the same fairness, the same level of scrutiny, the same independence to our coverage of the new president and his team," the letter continues.

We cannot deliver the independent, original journalism for which we are known without the loyalty of our readers.

This kind of Monday morning offering also comes days the Times reported that "Firings And Discord Put Trump Transition Team In State Of Disarray" despite it being just one week since Trump had won the election and with 71 days to go until the inauguration.

David Axelrod, President Obama's 2008 campaign manager who was appointed to the role of Senior Adviser after the election, cautioned the Times of its hyperbole while showing the paper simply hadn't done basic homework in its rush to judgment.

But there is hope that the Grey Lady is getting the message that major changes need to be made to the way it goes about its editorial decisions.

Liz Spayd, the Times' public editor, says complaints to the paper are at its highest in 15 years.

Since the election, I have been on the phone with many Times readers around the country, including [reader Cindy] Capwell, to discuss their concerns about The Times's coverage of the presidential election.

The number of complaints coming into the public editor's office is five times the normal level, and the pace has only just recently tapered off. My colleague Thomas Feyer, who oversees the letters to the editor, says the influx from readers is one of the largest since Sept. 11.

Many people are commenting on the election, but many are venting about The Times's coverage. Readers are also taking to the comments section of Times articles to talk about it, says the community editor, Bassey Etim. Others are calling into customer care at multiple times the usual rate. … I can tell you there is a searing level of dissatisfaction.

We've all heard the story of the boy who cried wolf. Now we're seeing the story written before our eyes of a media that not only hasn't learned a thing from its election coverage where it completely embarrassed itself to the point it may never recover from an integrity perspective.

Call the Times "The Media That Cried Wolf." And we all know what happened to the boy who cried wolf too often: People stopped listening. And it's not just the Times. Visit the Washington Post or Politico or any cable news outlet not with the letters F, O, or X in it on Monday and you'll see an overwhelming wave of negativity.

That's not to say, of course, Trump should get a pass or extended honeymoon here. It's just a simple plea: Cover the good stuff with the same vigor and focus as the bad.

For example, Trump is ahead of schedule on cabinet appointments when compared to past transitions. And Trump did state it was "good news" that Chuck Schumer would be leading the Democratic party in the Senate, also noting he always got along with the senior senator from his home state of New York.

A look again at major political/traditional publications or outlets shows we're not seeing much or any coverage of the two very newsworthy items above. If it is actually covered, the stories are buried under coverage about Hamilton, Saturday Night Live, fake news and/or the alt-right.

Be fair. It's a simple mantra. Unfortunately, advocacy journalism has no time or tolerance for such a foreign concept.

Chuck Reynolds
Contributor

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