Getting to Know the World of Online Sportsbooks, Gambling, and Casinos

As long as we’ve been playing sports, our society has been betting on sports. It’s no secret that almost any sport becomes more interesting when there is something on the line to lose. But there are many people who make a serious income when betting on sporting events or gambling online.The key to wining is obviously being able to accurately predict the outcome of a sporting even. But we’re getting ahead of ourselves here, because the first step is to find someone who will take your winning bet. Many people know someone who knows someone who will take these bets, but as the internet becomes more secure and trusted, people are placing their bets online. The key to using a online sportsbook is to find one that is trustworthy.

Finding a good online casino or sportsbook is fairly simple, but you do need to do some research or get a good referral from a friend. The two major issues to watch out for are online credit card fraud and the betting odds. Some sites make their odds so unrealistic that it’s very hard to win. Ideally you want to find a sportsbook that plays by Vegas odds.As for the online fraud issue, you should be able to avoid that by finding a sportsbook or casino that has been around for a long time. The fraudulent casinos generally get shut down fairly quickly. Do a quick online search and only use a trusted online payment acceptance system. And always make sure you are sending your payment over a secure website. You can tell a site is secure because it will be a https, instead of just http.

Once you find a fair and trustworthy casino or sportsbook, it’s important not to switch around too much to try other places. By doing this, you will increase your chances of fraud and you’ll most likely end up worse then when you started. Even with you receive offers for free money, you need to be careful. These offers require you to bet 10x the amount they give you for free, so you’ll end up losing money in the long run.A legitimate casino or sportsbook can still have incentives, but as the old saying goes, if it sounds too good to be true, then it probably is.

How to Book Entertainment For Your Event

When it comes to having entertainment for a special event or party, there are certain steps you can take to ensure that you and your guests have a wonderful and successful event, and more importantly, the entertainer is what you expected. First step is to figure out the type of people that will be at the event, and if there is a theme, what is it? Are you having a beach theme, or pirates theme, or what? Themes making finding and booking entertainment a lot easier and less time consuming.Next step is to take an informal poll, by simply asking some of the people who will be attending the event, what kind of entertainment would you enjoy? Too many times, entertainment for an event is delegated to one person or a large committee without ever finding out if the guests will like it. Once you have decided what type of entertainment you are interested in, the next step is to find a reputable entertainment company, who books all sorts of professional caliber acts.

Entertainment companies, or talent agencies as they are often called can provide you with an array of services, not the least of which is making sure the entertainer you book arrives at your event on time, courteous, and is professional in every way. Because an entertainment company lives and dies based on the acts that it books, they only handle professional acts so it makes them look good when the client’s guests comment on how wonderful the entertainment was. Once you have decided on an entertainment company that you would like to use, call them up and tell them about your event, and if you have a certain type of entertainer in mind, be sure to let them know that. Also, let them know what kind of budget you will be working with, so you don’t waste time with a company who’s prices are out of your budget. The entertainment company will then offer a couple of options for the type of entertainment you are looking for and the price range you are looking for as well. Talk over the options given to you with some of the people who will be attending the event.Once you decide on an entertainer, make sure you understand and read the contracts completely before signing anything. A day or two before the event, make sure the entertainment company calls you to confirm the date and times, and if they don’t, make sure you call them so you don’t get any surprises the day of the event. The performer should show up on time, and even talk with some of the guests if they have the time. After the performance, ask the guests what they thought of the entertainment. If they come up to you telling you how great the entertainer was, you know you picked the right company and entertainer, so be sure to hold onto their number for future events. That’s really all there is to it. Follow these steps and you are almost guaranteed to have great entertainment at your next event.

Wood Burning Crafts – Art and Hobby

Perhaps you, like many other people, have recently become interested in woodcrafts. Woodworkers have many activities which they can pursue – furniture and toy making being two examples. Although enjoyable, most woodshops require a lot of room, plus a fairly large investment in tools. One woodcraft hobby which requires little space, and only a modest investment in tools is wood burning. Although it would be helpful to have a designated area to work and store tools, this space need not be large. Indeed a small sturdy table would be sufficient for most projects.Wood burning as an art is easy to learn! Start up needs are minimal – a wood burning pen with interchangeable points, patterns, graphite paper, sandpaper, and wood sealer. Most of the other materials you need are common household items. Walnut Hollow Farm’s wood burning pens are the best choice. Two basic pens are available – twenty one watt and twenty six watt. The twenty six watt is for all types of wood, especially the harder ones. The twenty one watt is the ideal beginner’s pen. It’s best used on softer woods.

Burning techniques differ depending on the point used. The key is to start with a simple pattern and learn how to use the many different points before progressing on to intermediate and advanced designs. A very good series of books for the beginning wood burner is from Walnut Hollow Farm. Creative Woodburning Book One contains all the easy to learn basics, plus many patterns to get you started. The rest of the series contains more patterns and techniques in many different styles.The best wood to start on is basswood because it burns easily. Many types of basswood are available, including ovals, rounds, planks, and barrel staves. Neat wooden boxes in many different styles can also make good projects. The wood surface to be burned must be very smooth for best results. Sand the wood to as fine a finish as possible with a very fine grade of sandpaper.The pattern is transferred to the wood surface using either graphite or white transfer paper. Use graphite paper on light wood and white transfer paper on dark wood. The pattern and transfer paper are taped to the wood with masking tape and a fine point ball-point pen is used to trace the design on to the wood.

As mentioned earlier, there are many different techniques of burning and several woodburning tips to use with the pen to get different effects. In addition, the burnings can be colored with oil colored pencils, and oil paint wash. The combination of wood grain, woodburning technique, and oil paints creates some stunningly beautiful art.The list of wood burning craft projects which can be burned is limitless. Burn designs on jewelry boxes, ring boxes, cutlery boxes, clocks, and furniture. Burn woodcarvings to lend a unique touch to your woodcraft projects. Wall hangings and picture frames are also good candidates for wood burning. Take your wood art to any level you desire! It is a very enjoyable hobby.

Moving From Shared Services to Global Business Services

The concept of corporate Shared Services (SS) has been around a long time, with the private sector credited with starting this concept in the late 1980’s, and the public sector about a decade later. Personally, and not trying to date myself, I came across this business model at a former employer around 2005. Simply put, SS is an operating model that enables function-specific resources (i.e., HR, IT, Finance, etc.) to be leveraged across an entire organization, resulting in lower costs with agreed-upon customer-service levels. It’s utilization by both the private and public sector grew consistently over time, and then came the 2008/2009 recession. At that time, companies desired even greater efficiency, wider geographic reach, and broader scope coverage from its SS, to handle greater regulatory scrutiny for the same or even lower costs! These demands caused a bit of an inflection point, and the next stage in SS maturity started taking hold… Global Business Services (GBS). So, what is GBS?

DefinitionGBS is an operating model defined slightly differently depending on which company or consultant you speak with, but they will all agree on the need for these five elements:1) Multi-Functional – spans multiple functions, businesses, and locations across a common service delivery framework.2) Operational Efficiency – offers greater cost savings, efficiency and compliance as compared to traditional SS.3) End-to-End View – enables an end-to-end process view (i.e., Order-to-Cash) while driving significant end-to-end process improvements.4) Service Delivery Excellence – focuses more on service delivery excellence, agility, scalability and innovation.5) Client-Focused and Aligned – seeks to support business outcomes and delivers innovative capabilities to help businesses outperform competitors.This sounds impressive, but the model clearly takes a bit of work to implement, with overall strategy and governance needing to be addressed and agreed to by all stakeholders up-front. If strategy and governance are not agreed to upfront, the transformation may move forward and even continue for some time, but will be at risk of falling short of achieving objectives or even be an outright failure.Impressive adoption… but has the value been fully achieved yet?Nonetheless, as a business model GBS is here to stay. The Hackett Group has been reporting for more than 10 years the percentage of SS that have moved to a GBS model. Since 2014, GBS organizations have outnumbered single-function SS organizations by a factor of three. In addition, in Deloitte’s 2015 Global Shared Services survey, approximately 60% of the 1,000 SS reporting were multi-function in nature, containing two or more functions. Even though the GBS adoption has continued to grow, not all the implementations have delivered the expected business value and outcomes. As a matter of fact, few companies (less than 10-15%) have reached the “holy grail” of GBS performance yet, except for companies like P&G and Unilever, who have been at it for well over a decade. So, as your company transitions from SS to GBS, are you delivering the expected value and outcomes to your business clients, and if not, where is your company on that journey?

If you are not sure, stay tuned for my next article on “Taking Your GBS to the Next Level.”

The Advantages of Amazon Affiliate Programs

Maybe some of you are familiar with different Amazon programs which give or provide its affiliates or members with great opportunities to earn large amounts of money. And from the past few years until now the number of affiliate programs continued to increase thus giving or creating more opportunities to existing affiliate marketers and others who are interested. And if you want to earn or make good amounts of money through these programs while at your home the best program that you should participate in and is currently getting a lot of attention from different affiliate marketers is the Amazon affiliate program. Maybe you are asking why the Amazon affiliate program is the number one trusted affiliate program nowadays. The answer is very simple, it is because of the advantages that this affiliate program offers.

Amazon always sees to it that the payments to their affiliate marketers are on time most especially when their affiliates expect such payments. This affiliate program may either offer a one hundred percent (100%) free membership, meaning no registration fee will be collected from those who want to participate in the program and be a certified affiliate, or they can ask for a membership fee which can be earned by the affiliate marketer after joining. Whenever there are issues or concerns that their members inquired about, there is always an available account manager to answer or discuss these issues. This program offers a pro-active affiliate support to its existing members.The Amazon affiliate program, just like other existing affiliate programs on the internet, offers its members or affiliates an opportunity to place advertisements or campaigns through the use of links and banners, even widgets and a so-called “A store”. “A store” is a complete store where in affiliates or members of the program can develop a product and sell it to other affiliates and non-affiliates. With regards to this, Amazon provides tracking systems which displays all information or data that the affiliate needs for their campaigns and advertisements. This Affiliate program also gives credit to referrals made by its affiliate marketers just like other programs. When it comes to the method of payment, the said program offers its affiliates three good choices on how to get their payments; First, affiliates may be paid in the form of Amazon gift cards or gift certificates if they intend to. Second, Affiliates may be paid via a direct deposit to their individual bank accounts, but this choice is only applicable if the bank account is in the United States of America (USA). And last but not least, the affiliate marketers may request payment in checks. Whatever the affiliates’ choice with regards to the method of payment, one thing is for sure, they will be able to redeem the money that they earned.

Those are the advantages of participating in Amazon affiliate programs. With these advantages, we can clearly say without a doubt that it is the number one trusted program nowadays.

Custom Clothing Labels For Sports And Athletic Wear

There are many professional manufacturers that develop some of the finest sportswear available in the market, and you probably know exactly who they are because they make sure all of their apparel carries their company label. However, all clothing companies and start up apparel companies may not understand the benefits provided by having permanent woven, printed, or PVC labels attached to their products and instead they only use removable hangtags. In this article you will discover why it’s extremely important to have professional looking labels on your sportswear, as well as why it’s important for your target audience to identify your brand through the professional labels you use.One of the most important reasons a customer buys a certain type of sportswear is mainly because of the brand association or the manufacture. If someone likes your products chances are they will come back to purchase more. But you have to ask yourself, how will they be able to purchase more if you don’t provide them with professional and permanent labels that lets them know who you are? This is an important step in product recognition, and without a doubt labels make the product complete. With that being said, it will be very important as a business owner to choose between sports woven labels or sports PVC labels to complete the look of your product.

You might be wondering if these types of labels will work for other important products you carry such as accessories, jackets, hats, hoods, jerseys, sports memorabilia or any of the other products you might have and the quick answer is, yes! Regardless of the type of products you carry, there are many different types of labels that will work in your specific situation. On the other hand, you may not even be a company or an apparel store and you are simply looking for professional labels for your specific sportswear line, and if this is the case you will find everything you need in the professional woven, printed, or PVC labels that are available in the market.Clothing labels can help your business in many ways, they’re a powerful marketing tool that you shouldn’t overlook. Some specific goals that are very important for any business and you can achieve by having proper labels on your products are: Company Branding, Customer Loyalty and Company Recognition.

The best way to brand your company in the eyes of the consumer is to have excellent quality labels on your products. Customers will also hold more loyalty to your products if there is a company name with a good quality label attached to their sportswear. These are only a few things customers look for when associating products with manufactures.Another more important aspect is company recognition. If your company wants to enjoy excellent exposure and recognition, you will need to make sure each and every product that leaves your business carries a professional sports label that identifies who you are.Whether you are a company or a private individual, all of your sportswear should contain excellent quality labels that identify your products and provide product recognition.

Online Shopping – What to Look For

Retailers want your business and are getting more and more competitive and there are several items to look for as a consumer. Make sure you are getting the most for your money by looking at the overall picture. With the prices of everything on the rise customers are already spending more cautiously. The holidays become a crazy time for many consumers and online shopping can provide some immediate relief, both with time and money! Following are different offers to look for while surfing online:* Free shipping for online shoppers, this is often a holiday promotion. If not free there are often flat rates or at least significantly reduced fees. Consider shipping and handling charges when you are looking for the best price on particular item.

* Free gift cards and wrapping, this is also a promotion that is often offered through the holiday season. That does not mean you should not look for it year round! When a gift purchased online gets to its destination 100% ready to go it is fabulous! It is nice to be able to avoid setting precious time aside for wrapping gifts.* Never forget the all encompassing gift card. Generally, this is not a very personal way to go. However, a gift card from a specific site shows some forethought and consideration! For example, not everyone would appreciate a gift card to a golf retailer.* Pre-made gift baskets are offered by many sites and can be a nice option for a couple reasons. One, if you are not sure exactly what a person likes, and two, if you find a basket full of items you know someone will enjoy!!* Many retailers offer special discounts for people who get their gifts early, usually not too long after Thanksgiving. Don’t believe that everything holiday oriented gets cheaper the longer you wait!* If you are a last minute shopper look for a site that has guaranteed last minute delivery. Do remember that there is only so much you can reasonably expect from any retailer. If you wait until Christmas Eve you should not expect Santa to have it in your living room Christmas day.* Many sites will allow you to sort items in a variety of ways. You can sort by price, category, and popularity. This makes shopping easier if you have a specific amount allocated for gifts or if you are looking for a particular item.

* A little something extra is always appreciated. Many stores will throw in an extra gift. This may not be anything grand, but let’s face it, everything helps when it comes to getting through the holidays.It is often helpful to plan ahead. If you have an idea of the types of gifts you are looking for you can begin watching for good deals on them. Personalized gifts really have an extra something about them that people appreciate. Whether you are looking for something unique or the “it” toy of the year, you can usually find a good deal online. Keep these tips in mind to stretch your dollar as far as possible.

Different Types of Religion

Religion is not only about the belief of a person. It is actually something that adds meaning and purpose to one’s life. Believing in a kind of religion gives us the gift of appreciating the past, understanding the present, and hoping for the future. Imagine a life that is of meaning, and hope. It is more uplifting than just living in a plain state of mind. Religion is not actually the reason why we cease to seek for the truth. It is the key for us to grow in spirituality and will teach how to live life the proper way.Among the many different types of religion, here are some of the most common ones:· ChristianityIt is one of the religions which have the most followers. It is an Abrahamic religion that is centered on God, to be the highest and only God, Jesus Christ, whom is God’s only begotten son, and the Holy Spirit.There are some issues that are surrounding this type of religion. Other religions question about the existence of the Devil and the Trinity. Also debating issues is about the coming of the apocalypse.

Other than that, Christianity is centered on love, purity, kindness, service, and others. It is a religion which encourages its followers to do good for others as well as following God’s Ten Commandments.· IslamThis religion has now more than one billion followers around the world. Muslims worship their god named Allah. They believe in angels, and to their prophet Muhammad which they said to be their latest prophet.Muslims follow strict rules and customs. They follow their traditions very carefully. This is why Muslim countries have kept their traditions and customs over the generations. Islam is one of those few religions that really hold on to their belief no matter how the world advances.· BuddhismThe main goal of Buddhists is to gain enlightenment. It is a religion that does not seek on material things and possessions, but rather to see the good and value of every single thing around them.We can see Buddhists living as simple as they could, yet having that serenity in their disposition. It is the key of being a Buddhist. For one to become one, he should be able to detach on any material things and just emphasize about peace and enlightenment.· HinduismThe center of Hinduism is the Brahman. It is a major religion which is divided into four schools. People of India are mostly Hindus. Hinduism follows the concept of karma. It actually means that “what goes around comes around.” They believe that a person’s past actions will determine what will happen to his soul.Hindus worship their gods by offering fruits, flowers, and other offerings. They worship inside the Hindu temples with the statues, carvings, or paintings of their gods.· JudaismThis is the belief between the relationship between God and His chosen Jewish people. Jews believe that if they follow God’s laws, God will reward them and will support them. Judaism is the oldest of all the Abrahamic religions. It has gone through lots of issues as well as its ups and downs all throughout the history.

It has been faced with exiles, destruction, victories, revolutions, rebuilding, and many others. But still, it has made its way through our future generation.· AtheismThis is the belief that there is no god. Among the different types of religion mentioned above, this might be the different one of all them. Atheists do not believe that a god created all living things, and the entire universe. It trusts science ore than the faith in god. Most of the scientists and philosophers were atheists. More and more people are becoming atheists as the world continues to advance.Those are all the different types of religions. There are still a lot others for there are now countless of religions all over the world, but they are mainly from these beliefs.

Herbal Medicines Vs Prescription Drugs

I cannot possibly remember my first contact with herbal remedies but I’m sure it must have been through my Grandmother. She was a pioneer spirit, tough enough to kill a hog to feed her family for the winter. She was amazing and I seem to remember sassafras tea and fresh yellowroot tea from my childhood.Grandma passed on long ago so I can’t ask but I know she loved her garden and had one of the most prolific gardens I’ve seen.My conscious use of herbal remedies came a lot later but from the very first exposure to them, I knew this was the way my body wanted to be balanced and healed. Prescription drugs always felt out of balance with my personal energy field so, even though I have resorted to them in acute situations, I have remained almost completely reliant on natural remedies for my health, for decades.In deciding what I wanted to be when I grew up, natural healing surfaced as a primary passion so I began to study herbology and all things natural, including homeopathy, nutritional therapy, and alternative healing.On that path of purpose, I learned about the differences between herbal remedies and prescription drugs.I learned that a lot of prescription drugs originated from medicinal plants but that, typically, a single component of the natural herb was extracted. Nature has a wisdom that we really can’t improve on, though we keep trying. The extraction of one component from a synergistic whoe, changes that component. Not all those changes are positive.Another difference between using natural remedies and relying on prescription drugs is the time it takes for each to produce a noticeable effect in the body. Though some natural remedies, such as those for heartburn or headache, can actually work faster than their prescription drug counterparts, typically (and especially in cases of chronic health conditions developed over time, there is a difference in the time it takes for an herbal remedy to work, as opposed to a prescription drug for the same condition.

Because herbals are not concentrated extracts or chemically designed replicas of one component from a synergistic whole, they take longer to work but also work better, more in alignment with true healing.Herbals are designed to assist the body in rebuilding and balancing itself and that takes time. Prescription drugs, on the other hand and mostly, are concerned with controlling symptoms. Temporary relief of symptoms is usually quickly accomplished where actual healing takes much longer.Symptom relief vs. true healing:I believe, in our society today, we have come to substitute symtomatic relief with healing. If the pain is gone, all is good. And if we have to keep taking something for the pain to stay gone, all is still good.The herbalist has a drastically different view. The wisdom of the body dictates that the most important aspect will be addressed first. Sometimes, the most important thing is not making the pain go away. Underlying healing that needs to occur must come first.Making the pain go before there is healing is like telling a screaming child to shut up when their finger is caught in the door. The body resists lying. It is eternally truthful.The gradual reduction in pain that comes from a holistic regimen is indicative of the body response and healing and, as such, is an indicator of how well the formulation is working. Why would we remove such an important diagnostic tool?Of course, there are herbs that can ease pain as well but they are never the only thing given. If that were the case, an herbalist would be doing the same thing medical doctors often do….treating symptoms, not cause.When do herbs work best?In my opinion, herbal medicine is a way of life, not just something grasped at when there is a crisis. In fact, herbs are sometimes not the best choice when there’s a crisis. Sometimes, a condition has gone so far that only surgery or prescription drugs can prevent a life-threatening situation.However, regular use of herbs, vitamins, nutritional supplements and other natural remedies, as a part of day to day life, can definitely help the body maintain wellness.In non-acute situations, given time to work, herbals can help the body re-balance and heal itself. Because they are natural, and in synergistic balance in whole-plant form, our bodies respond to them with less resistance than to most prescription drugs.Side effects and drug interactions explored: While most herbs or nutritionals may have some potential for allergic reaction, if you compare the huge list of potential drug interactions and side effects for practically any prescription drug you care to investigate, you will soon see that the risks when taking prescription drugs far outweighs risks to consider when taking herbal remedies.There is no denying that almost every prescription drug has substantial risk for side effects or, if taking any other prescription drug with another, drug interaction dangers. By contrast, herbs taken in whole-plant form rarely create serious health concerns. In fact, about the only thing that increases risk when taking herbal remedies is if you are also taking prescription drugs.

All any logical person has to do is read the statistics on prescription drug-related deaths and compare that to the almost non-existent data on herbal complications resulting in death, to see which is safer.The bottom line for most people is patience. If you are not facing a life-threatening situation, and are willing to give natural remedies the time they need to work, you can enjoy great results, as I have all my life.Please remember that this information is educational in nature and not intended to replace your need for medical attention, diagnosis or treatment. There are progressive doctors out there, willing to work with adjunctive natural remedies. If you have an interest in herbals for healing, find a doctor like that and you can walk in two worlds.Some tips for getting the most from your herbal supplements:Start with a low dose and work your way up. Starting lower than normal can help you assess whether you have any allergic reaction.Don’t add a bunch of herbal remedies at once. You can’t tell what’s working and what isn’t working. If your herbalist or naturopath wants you to take more than one supplement, allow at least three days after taking the first one before you add the second.Be willing to allow 6 months to a year for the resolve of any chronic condition. You can’t just take an herbal remedy for a few weeks and expect your body to have what it needs to reverse a condition, like chronic heartburn, constipation, etc., that you may have had for years.

3 Tips on Choosing Christian Financial Services

Christian financial services can range from investment help to credit counseling to budgeting and debt relief. However the common factor between all of these is that they must be based on Biblical principles. As Believers in Christ Jesus, each of us must be a solid reflection of what God desires for our lives. Everything from our actions to our finances is affected by our choice to follow Christ. How you choose to handle your finances will directly impact your relationship with God. Therefore, it is crucial that you choose the correct guidance and coaching to help you make informed decisions that will open up the rich abundance God has promised to us all as followers of His teaching. Having debt in your life is a poor reflection of a proper relationship with God. Debt reflects the opposite of a giving heart, instead proving that there is a seed of greed. It is choosing to make a sacrifice of the future for present wants. Tithing is one way to help balance the money in your life, but there is much more to Godly finances than giving back to God what is rightly His. Simply take a look at how much Jesus taught on finances. In God’s economy, He is the central figure, it is our duty to Him to learn to properly manage the tools He’s given us for success in every area of our lives. Did you know that there are over 2,300 verses directly relating to finances in the Bible? That’ a big number compared to less than 500 on faith! We can gauge our commitment to solid, Biblical finances by how fervently the Bible focuses on them. Don’t allow other things to steal away your focus on what God desires for you. What sort of things are taking away your time to really get a grip on your financial situation?

As previously mentioned, Christian financial services abound. There are many people who do not have your best interests at heart who are trying to take advantage of honest hardworking folks because of their belief in God. As Christians, we are an easy target. The Bible tells us to be wary, as we will be persecuted for our beliefs. Don’t assume this doesn’t happen in the financial arena as well. Whether you are searching for a Christian finance coach or help getting out of debt, here are some simple tips that will help you to stay on the straight and narrow.1. Make sure whomever you seek advisement from is a properly educated, certified and qualified professional who shares your beliefs and core concepts. First and foremost, be certain you are dealing with a mature Believer who can help you obtain your financial goals while respecting and agreeing with your Christian faith. Experience, reputation and qualification are of the utmost importance.2. Shop around and try to find a company or individual who can meet all of your financial needs. Be prepared for great success as God promises us, and go with someone who can follow you and guide you through your financial growth.

3. Plan ahead. Knowing what you want out of a situation before you enter into it is a great way to find success. Determining what your financial commitments and priorities are before you meet with your advisor or seek services will insure that you are getting the most for your money. Knowing what your goals are financially, will help you to get a head start on success. Allocation is a very important part of financial abundance.There are many Christian financial services, tools and resources available to us as Believers in the Lord. Remember, God desires each of us as His followers to have full and limitless abundance, if only we will be good stewards of what He’s provided. Make sure and pair up with like-minded individuals who are supportive and creative when determining what is right for you and your family concerning finances. After all, our goal should be to hear God’s words, “Well done, good and faithful servant.” Matthew 25:21