The Evil of Bloodshed of Innocent People

Numbers 35:33

“So you shall not pollute the land in which you live; for blood pollutes the land, and no atonement can be made for the land for the bloodshed in it, but by the blood of him who shed it.”

Dear people of God, you can see from today’s lead Holy Bible text that a country’s land is defiled when there is bloodshed of innocent lives in it. Bloodshed is a very offensive act as far as God is concerned.

See what God says in Ezekiel 36:18, “So I poured out my wrath upon them for the blood that they had shed upon the land and for their idols with which they had defiled it.”

Drawing from the above verses, it is therefore horrendous to see a nation like Nigeria treat with kid gloves people who shed innocent blood of people who have not committed any crime.

In almost every part of the nation, people are kidnapped and murdered almost on a daily basis. Ritual killers operate freely, terrorists are having a field day, kidnappers are rampaging and collecting ransom from their victims.

Women are raped and killed, spouses are killing each other over very flimsy reasons and no one is arrested or brought to book for these crimes.

To make matters worse, the government does not show any concern, neither are the security agencies bothered about investigating and bringing the culprits to justice.

Every one of them is only busy chasing money, money, money and power, power, power. Many at times, I just wonder what the workers of government and security agencies do when they resume at work from Monday to Friday, every month, all year round.

How exactly does the minds of these people work? Why aren’t they just bothered about these avoidable incidents? Has it occurred to them that there is a spiritual implication to all these unchecked calamities befalling the land?

Why do they carry on as if it is not human lives that are being wasted day in day out almost on a daily basis? How do they sleep at night with these happenings that are within their authority to check?

How can a person receive salary every single month for work he never does and his conscience never bothers him?

Everyone is first a human being before belonging to any other group or association by whatever name. Human life is sacred to God.

This is a wakeup call to Christians of Nigeria descent living within and outside the country. Let us go on our knees sincerely and ask God to have mercy on this nation called Nigeria.

Let us ask God to intervene to put an end to the bloodshed. Let us sincerely repent of sin and evil. Let us as Christians amend our own ways and determine to conform to the standards of the Holy Bible. Let us stop bribery and corruption.

Let Christians wake up to their responsibilities and be the light of Christ wherever we find ourselves. Let us stop …

Roth IRA Vs Infinite Banking Concept

From all the qualified retirement vehicles offered by the government, a Roth IRA is probably the most appealing for the financial planners since finally common sense is winning over traditional wisdom. The fact that is better to pay the tax on the seed than on the harvest is being accepted now especially with the trillions after trillions of new federal debt created recently.

People are now struggling with the thought that all that debt will have to be paid and the easiest and more convenient way the federal government has at its disposal is TAXES.

When you understand that you are going to be paying way more taxes later, then you do better paying taxes now, and that is how a Roth IRA works. You deposit money in a Roth IRA with after tax money, which means the money that you deposit there is not accepted in your income tax as a deduction, but the good part is, when you get to spend it, you will not have to pay tax on that money.

There are lots of more details to look into with a Roth IRA and they have to do with restrictions and regulations, plus the fact that it is qualified by the Federal government should hint something to you. Could it be that the Feds have some purpose or plan with those? Could it be that they intend to control those? I will let you ponder on that idea.

Putting aside the fact mentioned in the prior paragraph, a Roth IRA does not allow you to have access to your money unless you wait 5 years and reach 59 ½ years of age. There are also restrictions on how much can you contribute to your Roth IRA annually, plus your income will determine how much you can deposit on it too. You have to follow many rules also about how to take your money out, otherwise you might have to pay taxes on the profits you obtained in your IRA. An advantage a Roth IRA has over traditional IRA and 401K is that you do not have to take the Required Minimum Distribution (RMD) by the required beginning date (RBD).

Most people argue that all those restrictions, specially the locking of your money till you are 59 ½ is good because otherwise you being an irresponsible, undisciplined, weak character, sloppy, hooligan individual, would squander all your money and then the government will have to take care of you. The fact is without you having all those nice attributes, the government is doing everything it can to reduce all your auto determination by leaving you penniless with taxes, inflation, rules and enforcement so the government eventually will end up taking care of you and asking in return unconditional servitude.

We have reviewed some of the advantages and disadvantages of using qualified plans and we found that a Roth IRA is a better choice should you still decide to go along with government control, restrictions and regulations. What about …

The Cost of Outsourcing

Outsourcing in a Post-Recession World

The current economic crisis in Western Europe and the US has adversely affected nearly all industries globally. The financial crisis resulting from the subprime crisis in the US has forced companies and even entire countries to adopt austerity measures in order to keep costs/debts down to improve on the bottom line or decrease losses. This drive to decrease costs has resulted in layoffs even in case of larger corporations and many businesses have been forced to cease operations or merge with other companies. Ironically, outsourcing, a key cost reduction tool for many companies, has resulted in the deepening of the crisis. Some of the main costs of outsourcing are as follows:

Job Losses in the country of Origin

Most critics consider this as the single greatest cost of exporting jobs overseas. In western economies currently witnessing high levels of unemployment, the governments are under pressure to create new jobs and this trend tends to undermine their work creation initiatives. In many developed countries, citizens avail unemployment benefits and increased levels of unemployment tend to drain the exchequer further thereby pushing the government deeper into debt. To reduce such job losses, many countries have enacted laws to curb the hemorrhage of jobs from the country of origin to a foreign location. Such legislation is however self-defeating as in many cases, as they harm the profitability of businesses resulting in even more layoffs.

Partial or Complete Loss of Control

Companies who export jobs overseas often complain of partial and sometimes complete loss of control over the outsourced tasks or processes. This results mainly due to time zone differences between the offshore center and the company outsourcing the process. This loss of control can have severe repercussions as it decreases the company’s flexibility in adjusting to rapidly changing market conditions. Measures to present this perceived loss of control include the deputation of a representative to oversee operations as well as periodic evaluations of individuals operating in the overseas center.

Cultural and Work Ethic Clashes

In many cases, the outsourcing partner tends to carry out activities which though acceptable in the local market, may not be acceptable to the operating standards of the outsourcing company. Such differences can damage the co-ordination between the companies and erode many of the potential benefits of an offshore alliance. Cultural clashes are also inevitable in many cases and to reduce such problems, many offshore software development companies arrange for its employees to undergo various training programs to reduce the culture shock produced by such situations. Recent allegations and investigations into Walmart’s involvement in corruption rackets through its overseas intermediaries is a case in point regarding the work ethic clashes that can occur due to outsourcing.

Increased Risk of Compliance Failures

Involving a third party in company operations poses a risk to the outsourcing company. The act of outsourcing is capable of revealing a company’s trade secrets to undesirable elements, who might utilize such information for sabotaging company operations. This perceived risk has led …

A Brief History and Origin of CCTV Camera Systems

Closed circuit television, or otherwise known as CCTV camera systems, can be seen at present in many shops, stadiums, train stations, offices and even homes and other private venues. A security camera is usually installed in an area to improve the safety of the people by preventing crime or to monitor what happens there. Many people and organisations around the world have learned to take advantage of a CCTV kit and employed it use for various purposes, including research. In fact, it has been decades since men discovered and experienced the benefits of having one. For those who are curious about the history and origin of these monitoring devices, read on.


Back in 1942, surveillance equipment was used to monitor the taking off of rockets and missiles in Germany, which is primarily a military activity. A well-known German engineer designed the device, backed by Siemens AG. The activity was mainly intended for testing, but at present, rocket and space ship launch sites across the world are still installed with monitoring devices so as to help identify areas for improvement and for further sophisticated research. This is highly important, as scientists or engineers could not get too close to any launch site because of the dangers that it imposes to their health. It was in 1949 when CCTV cameras became commercially available in America from a company named Vericon, an organization known to be a contractor for the government.

1950s to 1960s

The dawn of CCTV systems in the United Kingdom began in 1953 during the coronation of the Queen, a prestigious event and one that put a great mark in the history of Britain. Around the 1960s, Metropolitan Police began to use these surveillance devices as a tool to observe people during rallies or events where the Prime Minister or any member of the Royal Family would appear. It was also during this time when video cameras were installed permanently at a number of streets in London and several more counties in England started experimenting with installation of surveillance devices at city centers. Even the British Railways realised the advantage of putting cameras after a part of the tracks was vandalised. New York in America also started to put circuit television in their streets around this time. Since then, countries across Europe and America began to employ this equipment in various ways.

1970s and 1980s

The use of security cameras continued to rise in popularity during the 1970s up to the 1980s. Major roads in London as well as some of the London Underground Stations began to be monitored during the early to mid 70s. They also started installing CCTV security systems at the soccer match venues. During the late 80s, surveillance systems were installed at parking garages and council estates that the local authorities were running. This was not only used to watch the vehicles on the streets, but also to monitor the main rallying venues used for public protest in London.

1990s to Present

At this time, …

DAC Report – Government Subsidies Are Top Downfalls for Truck Drivers

Training standards for new CDL drivers have reached a higher concern for the FMCSA in recent years. Social media has played a major role in highlighting the further needs for safer commercial vehicle driver training.

Union or Non-Union, the two major attacks on all truck drivers is the DAC report and the government policies that deliberately oversupply drivers into the industry. Government subsidies and grants provided to training motor carriers are actually driving good drivers out of the industry as fast as they come in.

Training companies can receive tens of thousands of government dollars to provide on-the-job training per student. Once trained, these new drivers are paid as low as .23 to .27 cents per mile: a non-living wage. Furthermore, CDL schools should have a new curriculum regarding who can be taught.

Many schools continue to accept any student that walks through the door; even those with felonies, DUI’s and other such violations that absolutely ensures that no motor carrier will hire them.

Training is both prolific and expensive, however it is not realistic or comprehensive enough in light of real driving demands and the unrealistic measures. DAC, which stands for “Drive-A-Check,” has become nothing more than a retaliation tool that carriers use against drivers.

As one driver states: “DAC is being used to beat to death greenhorns.” It is noted as such a serious problem within the industry that the Workers’ Counsel even formed the DAC Report Class Action Registry.

Two of the best solutions to entry-level driver training is to close down the DAC Services and to take away the government policies regarding grant money and subsidies to motor carriers. These subsidies should be dismissed completely for all motor carriers and CDL schools.

As an example, one trucking company that trains students has five training facilities. Each month they run about 80 students through each facility for a total of 400 per month and 4,800 per year. Yet, they only have 3,125 available trucks. The reason companies give for this is to compensate for the high turnover rate within the industry; those new drivers that statistics show will quit the job within the first six months.

However, when you multiply 4,800 students by an average of $3,400 per student, you reach a figure of $16,320,000 per year; add the additional 18% to 25% interest placed on the loan and another few million of dollars come into play.

In the beginning, both began with good intentions, but have resulted in bad consequences by interfering with the industry’s driver supply and demand. These subsidies, along with the DAC report, have actually created an oversupply of drivers, non-living low wages and continue to fuel a revolving door of drivers.

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Curbing the Talented – Social Pressure on Sportspersons

The Olympic games at Rio ended up with a bunch full of desires contrary to the expectations from the second most populous country of the world. India bagged two medals and yet again proved its consistency in giving poor results at the Olympics.

Seeing the golden bird go off lustreless in the congregation of games, the prime minister of India gave his new slogan "the playful kid develops" but in the country where the tag line goes "the playful kid would be beaten" you can hardly expect anything better.

When the geeks are shown behind the pile of books, having a poor health and horn rimmed spectacles while the poor section of the society symbolizes the dusty ragged children focusing more on sports than doing homework.

Sports is always seen as a wholesome development for the children, but when it comes to taking it as a profession things may not be as supportive either from the family or the society. It is viewed that a person adopts sports only because of lack of intellect, poor family background or on the verge of unemployment.

The growing trends of elective subjects show a remarkable enrollments in science and commerce streams showing that parents wanted their children to be doctors and engineers rather than sportspersons.

On being asked why wouldn't he allow his son to be a cricketer Raju replied "here is no scope of sports in our country the success rate is drastically low there are a few who succeed but what I am concerned about is the rest."

Researchers have found out that the rigid selection criteria, lack of any form of job security and low service span are factors which demand a special attention from the government.

Rashid Ali, a former Olympic runner who drives an auto rickshaw these days said "I have little to no support from the government, all the ten years of my dedication to sports have gone in vain. I think I could have opted for studies and get a government job rather than being in my ripe old age and having nowhere to go now. "

The names can be different, but the stories remain to be the same. The sports industry seems to suffer from the rags to riches phenomenon and has various drawbacks, including the female and male gender roles which has narrowed the participation of women in male dominated sports like weightlifting, wrestling and boxing.

Lack of requisite funds available for sports equipments, infrastructure, essential services such as health care and provision of other necessary commodities has further debarred sports persons from unveiling their potential function.

Lack of participation of people in sports has become a major concern and needs to find its decisions through the appropriate steps taken by the government.

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Start an Online Home Business Using Your Computer – Staggering Evidence Says You Must

If you are employed you should start an online home business using a computer. If you are unemployed you should go to your computer right now and start a home business on the Internet.

If you are breathing you are a very good candidate to make money online. Think about this.

I just read that nearly 1 out of 10 Americans are unemployed. There are 5 applicants for every job opening. Businesses are hesitant to hire because of the unstable economy.

Even industries thought to have job surpluses recently are showing more people applying than there are jobs. For example 9News in Denver did a story last night that students just out of nursing school are not getting hired.

You probably already know that in many states teachers jobs have been cut as school districts try to balance their budgets. Not everyone can just print money and run up more debt like the U.S. Government.

I was talking to my son last night about building websites, getting them established online, and then selling them for a profit. He is a sophomore in college majoring in education. Everyone should be starting an online business no matter where they are in their life.

Doctors and lawyers would be smart to create additional income streams online. So should truck drivers and car salesmen.

Here is what it does not take to get stared with an online business.

1. You do not need a college degree.

2. It does not matter where you live as long as you have internet access.

3. How much start up capital do you have? It doesn’t matter because there are many free ways to make money online.

4. Are you a man or a woman? The Internet does not care.

5. Your ethnicity makes no difference either.

Think about the reversal of numbers. 9 out of 10 people are employed and they are still buying things. Many of them shop online every month.

They have to buy things somewhere. Why not from you!

Digital information products from affiliate programs like ClickBank have always sold well online. Now you see more affiliate marketers selling physical products online too.

The nice thing about affiliate marketing is you do not need a product of your own to sell. The affiliate merchant provides it. They even give you a website coded with your affiliate i.d. number so you get credited whenever a purchase is made.

Many affiliate programs pay weekly, 2 times a month, or monthly. There are even instant commission affiliate programs if you need money right now!

Think long and hard about why you should start an online home business using your computer. Doing even a little research will show you how easy it is to get started.

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The Greenback

When the Kingston Trio came out with their rendition of “Greenback Dollar” with the lyrics saying “I don’t give a dam about a greenback dollar I spend it just as fast as I can” today, half of that phrase is actually true. Too many of us continue to spend that greenback ever faster though. But, what we do care about is why that ever disappearing dollar doesn’t afford the things it used to. We do give a dam about every last dime that comes into our possession today.

To understand the seriousness of the United States financial status is to trace the history of the dollar or Greenback as it was known during the Civil War. The term greenback refers to legal tender, printed in green on one side and issued by the United States during the American Civil War. Currency at that time was backed up by gold but, when the Civil War broke out the demand for more currency was too much for the gold reserves the United States had. What President Lincoln did by issuance of the Greenback was to put the backing of greenback solely based on the credibility of the U.S. Government. Much like it is today. Those Greenbacks back then was largely what financed the Civil War and subsequently making the first industrial revolution possible.

Today, our floundering US dollar is precariously close to falling off as the world’s reserve currency. The main reason is that we still have our currency solely backed up by the credulity of our government. The Federal Reserve continues to print fresh “Greenbacks” and loans the money with interest it to the US government. It is the interest that is making Wall Street and the Federal Reserve wealthier at the expense of the US economy. Think of the Qualitative Easing the Fed did following the financial disaster of 2008. All that did was enrich the power brokers while main street continues to languish in financial distress.

When Lincoln assumed office he already understood that the outcome of the war would be largely determined by the resources of the North. Lincoln also understood the importance of raising enough funds to effectively carry out the war effort. With this in mind Lincoln on the day after his inauguration nominated Salmon P. Chase to be Secretary of the Treasury. Secretary Chase alone was authorized by Lincoln to act on all matters pertaining to the country’s finances. Chase, like most everyone else at the time, underestimated the severity of the War in terms of its duration and cost.

Confronted with the expenses of war, the Lincoln Administration sought loans from New York bankers, most of whom were fronts for, or connected to, European bankers. Given the very high interest rates of 24 to 36 percent, President Lincoln refused to accept the terms of the loans and called for other solutions. Colonel Edmund D. Taylor of Illinois made the suggestion that the U.S. government could issue its own money. Taylor is quoted as saying: …

Ranging the Spectrum: Accounting Jobs and IT Jobs

Accounting jobs are among today's most stable career opportunities. IT jobs, conversely, is among the least stable job fields. Both careers can pay lucratively, and both require a great deal of specialized training to enter. For those on the cusp of deciding which career field to pursue, a breakdown of the differences in these two careers may be a helpful guide in pursing the future.

Accounting has many branches of practice. Public, private, and government accounting are the three main branches. Public accountants will need a 4 to 5 year education from an accredited college to be competitive. To work in the public environment, these individuals will also have to complete four basic tests of proficiency in order to earn their CPA (Certified Personal Accountant) license.

Private accounting may have a lower entry range, and depending on the size of a company and the scope of its accounting needs, individuals may find work without a CPA, but in all cases, an accountant will need his or her Bachelor's degree. Entrance after a degree, into the field, should provide a living income between $ 40,000 and $ 70,000 dollars a year.

Government accounting and specialized sectors such as Forensic Accounting may be the desired outcome for most accountants, since these fields provide the top job security, the best benefits and the highest pay. Some corporate or management accounting jobs can pay as much as $ 170,000 a year for a traditional five day work week. However, entry level jobs in this career field often require people to work long hours, six or even seven days a week.

IT jobs contrast greatly. Because the field is ever changing, and rapidly so, most successful IT employees do not possess a traditional college degree, and instead, have obtained licenses in various specializations. Entry into IT work may be achieved in as little as a year of training, with starting salaries between $ 30,000 and $ 60,000. Advancement from entry-level work can take an IT professional to a comfortable $ 150,000. Though, unlike accounting work, the IT industry is extremely fickle.

Successful IT companies may miss a trend and fail overnight, resulting in the loss of employment for most of their workforce. Because of the volatile nature of the field, many workers compile a portfolio that shows various kinds of experience to assure future work. With these two lucrative career fields, someone considering their future should decide when to begin their education. Accounting education happens up front. IT education continues throughout a career, and both have long-term financial gains and a variety of enjoyable outlets for growth and fulfillment.

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Shadow Inventory – What Is It and How to Find It

Many Investors have been asking me about shadow inventory how much is out there and how to get their hands on it. Shadow inventory usually refers to the supply of homes that has not yet hit the market, but “hiding” in the background. In Real Estate this refers to foreclosures (REO or bank owned properties) or those close to the process.

Banks and mortgage loan servicing companies typically hold onto properties that haven’t seen a mortgage payment for 90 days and in some cases even 2-3 years.

Why do they hold on so long?

Banks hold on since it allows them to release their inventory over time to keep their books in check and also to provide that easy liquidation to stimulate the real estate economy when necessary. Banks will now be getting more money for those newly released properties, then say 2 years ago, due to the steady increase in home prices and low inventory levels. If they chose to release all at once, it would flood the market with “distressed properties” and bring down property values.

How much “Shadow Inventory” is still out there?

Foreclosures have been steadily declining since 2013 with the highest shadow inventory then at 2.2MM. According to the National Association of Realtors, there is still about 4 years still on the books and it is possible that we could soon see more!

More “Shadow Inventory”? Why? (HAMP) Home Affordable Modification Program

In 2017 and beyond, many homeowners may find it difficult to make their mortgage payments due to “resets” with HAMP thus pushing them into foreclosure. The government’s Home Affordable Modification Program provided temporary relief to borrowers during the housing crisis. These reliefs ended after five years and now payments will be “reset” thus causing loan payment increases for nearly 900,000 homeowners. Some of those are likely to find it difficult to keep up with the payments in our current economy.

Where do Investors find “Shadow Inventory”?

Forget about calling the loss mitigation department or asking the cashier at your Big Bank. They won’t be able to help you. Instead, savvy real estate investors can approach the REO departments of smaller regional banks, credit unions and portfolio lenders to find out what could be “lurking” in the shadows. This presents an opportunity to beat out the competition and purchase at greater discounts.

But my favorite way to locate “Shadow Inventory” is what I call “Driving forDollars”. Simply drive through areas that have high foreclosure activity and look for the white sticker posted on the front window or door of the house. This typically contains the information of the bank or asset manager of the property and their phone number. Give them a call and see where they are in the foreclosure process and if they’re ready to make a deal!

The NEW kind of “Shadow Inventory”!

There is a new kind of shadow inventory on the market these days and I’m not talking about the REO kind. Many successful agents have their own shadow …