Sunday, May 28, 2017
Saturday, May 27, 2017
yea because you buy a sportscar for reliability......
And secondly a Beetle of 1970 is more reliable than all modern cars!
Friday, May 26, 2017
Answer: An account of a boy with epileptic-like seizures is recorded in three of the four Gospels (Matthew 17:14–18; Mark 9:14–29; Luke 9:38–42). Only in Matthew’s account (in the ESV and NKJV) is the word epileptic used to describe the boy; the NASB and KJV say “lunatic,” based on the original Greek word’s meaning of “moonstruck.” The NIV says, “He has seizures.” In Mark and Luke, the father of the boy states that his son is “possessed by a spirit” and “a spirit seizes him.” Comparing the three accounts in the Gospels, the boy’s symptoms included sudden screaming, foaming at the mouth, lack of speech, falling, rigidity, and self-harm.
Matthew 17:14–18 says, “When they came to the crowd, a man came up to him and, kneeling before him, said, ‘Lord, have mercy on my son, for he is an epileptic and he suffers terribly. For often he falls into the fire, and often into the water. And I brought him to your disciples, and they could not heal him.’ And Jesus answered, ‘O faithless and twisted generation, how long am I to be with you? How long am I to bear with you? Bring him here to me.’ And Jesus rebuked the demon, and it came out of him, and the boy was healed instantly” (ESV).
It is important to note that epilepsy was the father’s assessment of his son’s situation. Jesus, Matthew, Mark, and Luke all call it a demon, and Jesus cast it out as He did other demons. The seeming discrepancy in the three biblical accounts is probably due to the fact that the father said a lot of things in trying to get Jesus’ attention. He was distraught, desperate for help, and at a loss to describe what was happening to his son. The fact that the father speaks of epilepsy in Matthew’s account and calls it a “spirit” in the other two Gospels does not create an irreconcilable difference. The father could easily have said all of the above as he described his son’s condition. He did not know what was wrong. He only knew that he needed help.
The term epileptic is used only twice in the New Testament, in Matthew 17:15 and Matthew 4:24. The word translated “epileptic” comes from the Greek word for “lunatic.” In those days, the term could be applied to any type of seizures or behavior that resembled insanity. In New Testament times, people had no way to differentiate between brain disorders and demonic possession. Little was known about the causes or treatment of epilepsy, traumatic brain injury, or dementia, so it is understandable that the father in Matthew 17 would describe his son’s behavior as epilepsy. But we know from Jesus’ treatment of this boy that the child was in fact demon possessed (Mark 9:26).
However, the Bible does mention epilepsy as a condition separate from demon possession. Matthew 4:24 says, “So his fame spread throughout all Syria, and they brought him all the sick, those afflicted with various diseases and pains, those oppressed by demons, epileptics, and paralytics, and he healed them” (emphasis added). Here epilepsy is listed with other physical ailments, indicating that epilepsy is a medical condition that can cause symptoms similar to demonic possession. Jesus healed epileptics, and He also cast out demons. The two conditions were not synonymous.
Although many inexplicable behaviors that affect the personality can be attributed to demonic oppression, we should never rush to judgment. Demons are still active and can possess and oppress people. Prayer and spiritual warfare can enable us to help those who are oppressed (2 Corinthians 10:4; Ephesians 6:12–17). But brain abnormalities or injury can also affect human behavior and can respond to medical treatment. Jesus always treated the individual, and He rarely healed the same disease in the same way. This shows us that we should also respond to individuals with sensitivity and discernment, using everything at our disposal to help and heal any way we can.
Thursday, May 25, 2017
JANUARY 7, 2015
Financial guru Dave Ramsey says, "Responsible use of a credit card does not exist." He advises using cash instead.
While he may have good advice to offer in other areas, here Ramsey is just plain wrong. I never pay interest on my eight cards, I don't spend more just because I'm not paying cash, and I'm measurably better off financially thanks to credit cards.
Yes, some people can't handle credit and should use cash. But plenty of people use their cards responsibly, and there are many great reasons to use credit cards instead of cash. Here are 10 reasons you might want to ignore Ramsey’s advice and use credit cards.
1. Protection on No-Return Items
A few months ago I was overbilled for a computer repair. Only when I disputed the charge with my credit card company did the manager of the business finally adjust the charge. I like having a credit card company to help me out at times like this.
Some stores don't allow returns, or specify that clearance items are non-refundable. If you pay cash for these items and have a problem, you're usually out of luck. But if you pay with a credit card, you can file a dispute. Just because the company says "no refunds" doesn't mean you should pay for something that doesn't work, so never pay cash for items that can't be returned -- use a card.
The Fair Credit Billing Act lets you withhold payment on things that are damaged or of poor quality -- it’s not enough that you change your mind or bought the wrong size. It’s important to note, as BankRate.com points out, that there are a few catches. You have to first try to resolve the matter with the seller, the item has to cost $50 or more, and the law says it has to be bought within 100 miles of your home. Fortunately, credit card companies rarely enforce the last two stipulations so you can usually dispute charges for items that cost less than $50 and those bought far away or online.
2. Cash-Back Rewards
I just received a $25 check for points I redeemed on one of my cards. But it can be difficult to keep track of all the rules for cash-back rewards, so I use my PayPal Business Debit card for most purchases. I never have to make a phone call or fill out a form online; the 1% cash back is deposited automatically in my PayPal account every month. When it's that easy, why would I want to pay cash and give up the extra money?
If you can keep up on the rules and revolving categories that some rewards programs have, you can do much better. Some cards pay up to 5% for certain types of purchases one month, and switch the reward to another category the next month. You can also get creative with rewards cards to boost the balance and earn more.
3. Signup Bonuses
My wife and I made $800 from credit card signup bonuses this year. We had to spend a certain amount to qualify, but we use a card for all our normal purchases until we hit the mark and get the bonus; then we retire the card. Here's a question for Ramsey: If we never pay interest (we pay our bill in full every month), and we never buy too much just because it's on a credit card, are we really better off financially by paying cash and giving up the $1,000 we'll make this year in bonuses and rewards?
If you do chase after bonuses, you might be tempted to cancel your cards after getting your cash. But closing accounts can hurt your credit score. I close them anyhow, because the score bounces back in time and we aren't planning to get a mortgage loan, so having a perfect score isn't important. But if you do worry about those dings to your score, just keep the cards but stop using them instead of cancelling them. Or, if they have fees, cancel them just before the annual fees are due -- in my experience, when you give the reason for canceling, the credit card companies often drop the fee.
4. Extended Warranties
Some cards offer extended warranties on the items you buy. For example, my American Express card offers up to an additional year on many items. When blogger Xin Lu’s PlayStation 3 died just after the manufacturer's warranty period had ended, American Express picked up the cost of repairs. “AMEX's extended warranty saved us several hundred dollars,” she wrote on WiseBread.
It's a good reason to use the right credit card to purchase electronics, appliances and anything that has a short warranty period (five years or less). Keep the original receipts in case you need to file a claim.
5. Safer Travel
Having been robbed in Mexico, and having once lost five $20 bills on an Ecuadorian dance floor, I now carry very little cash when traveling. Cash makes you a target for criminals, and if it's lost or stolen you'll never see it again. If a credit card is lost or stolen you'll be liable for $50 at most, as long as you report the theft within two days. Some cards offer zero liability.
Also, who wants to run around the streets of some unfamiliar place looking for a place to trade in those dollars? Credit cards are safer and more convenient in many places.
6. Better Exchange Rates
When my wife recently visited Spain, she exchanged some dollars for euros at the airport. Ouch! Airport kiosks often offer poor exchange rates and charge high fees. Credit cards offer better rates of exchange, according to a recent study. To avoid extra costs, choose a card with no foreign transaction fees. Here’s a list of some of the best travel cards.
7. Rental Car Insurance
When I traveled to Colorado last month, I rented a car for a week. The rental company's collision damage waiver would have cost me $140 for the week, but I declined. Instead, I put the rental charge on one of my credit cards that offers car rental insurance as a free benefit.
You’ll want to read the rules carefully if you use your credit card rental car insurance instead of buying that damage waiver. Not all types of rentals are covered, and you still could be liable for some damages even if you do have this insurance. But it works for me, and saves me a lot of money.
8. Other Travel Benefits
There are many other benefits to using a credit card when traveling, at least if you have the right one. Here are some of the travel-related benefits offered by various credit cards, according to WiseBread:
Extra baggage loss insurance
Emergency interpretation services
Medical emergency transportation assistance
Credit card loss protection
No baggage fees
Tracking assistance for lost luggage
Of course you can also get airline miles for booking flights with a card. You can even use credit cards to get free access to airport lounges. Check out the benefit guides that came with your cards to see what's available.
9. Expense Tracking
Credit cards give you a way to track expenses. Receipts can easily get lost, so it's nice to have online statements as a backup. Some card issuers keep those records around for a long time. For example, Discover Card statements stay online for seven years.
Tracking business expenses for tax deductions is an obvious advantage of paying by credit card, but there are other expenditures you might want to track. For example, you’ll need to track any charitable contributions to deduct on your tax return, so use a credit card. You’ll also need to document expenses for a rental property, if you have one.
If you ever lose a box of old receipts during a move (or worse, a fire), get online and print out copies of those old credit card statements while they're still available.
If you pay cash for everything, you have to make sure you always have enough currency on you. That means repeatedly stopping at the bank to replenish your funds when they get low. It also means keeping track of how much is in your wallet so you don't have an embarrassing moment at the cash register. Plus, you have to make sure you get the correct change -- mistakes can happen. It’s simply easier to whip out a credit card and swipe it.
Cash or Credit: The Verdict Is In
To sum up the case for credit cards, here are the benefits of using cards instead of cash, based on my experience this year:
About $800 in credit card signup bonuses
About $200 in cash rewards from credit cards
Savings of $140 on a car rental
Successfully disputed a charge because I paid with a credit card
Safer overseas travel for my wife thanks to her credit cards
Better currency exchange rates because of her credit cards
Easier tracking of expenses
Extended warranties on several purchases
No interest paid on my credit cards
No fees for my credit cards (except one -- but that gets me a free night at a Hyatt)
No extra purchases versus what we would have bought for cash
And yet Ramsey says, "There is no positive side to credit card use." He thinks credit cards are nothing but trouble, but I think the guru has failed to make his case. The verdict is in on credit cards: Not guilty.
Your Turn: What do you think of the credit card vs. cash debate? Do you take advantage of the benefits of credit cards, or prefer to use cash?
Wednesday, May 24, 2017
How to Apply Pressure to
Use prolonged finger pressure directly on the point; gradual, steady, penetrating pressure for approximately three minutes is ideal. Each point will feel somewhat different when you press it; some points feel tense, while others are often sore or ache when pressed. How much pressure to apply to any point depends on how fit you are. A general guideline to follow is that the pressure should be firm enough so that it "hurts good" - in other words, something between pleasant, firm pressure and outright pain.
The more developed the muscles are, the more pressure you should apply If you feel extreme (or increasing) sensitivity or pain, gradually decrease the pressure until you find a balance between pain and pleasure. Acupressure is not meant to increase your tolerance of pain, so do not think of it as a test of endurance. Do not continue to press a point that is excruciatingly painful. Usually, however, if you firmly hold the point long enough (up to 2 minutes using the middle finger with your index and ring fingers on either side as support), the pain will diminish.
Note that sometimes when you hold a point, you'll feel pain in another part of your body This phenomenon is called referred pain and indicates that those areas are related. You should press points in these related areas as well to release blockages.
The middle finger is the longest and strongest of your fingers and is best suited for applying self-acupressure. The thumb is strong, too, but often lacks sensitivity If you find that your hand is generally weak or hurt s when you apply finger pressure, you can use the knuckles or your fist or other tools, such as an avocado pit, a golf ball, or a pencil eraser.
Although you may be tempted to massage or rub the entire area, it is best just to hold the point steadily with direct finger pressure. The rule of thumb is to apply slow, firm pressure on the point at a 90 degree angle from the surface of the skin. If you are pulling the skin, then the angle of pressure is incorrect. Consciously and gradually direct the pressure into the center of the part of the body you are working on. It's important to apply and release finger pressure gradually because this allows the tissues time to respond, promoting healing. The better your concentration as you move your fingers slowly into and out of the point, the more effective the treatment will be.
After repeated acupressure sessions using different degrees of pressure, you will begin to feel a pulse at the point. This pulsation is a good sign - it means that circulation has increased. Pay attention to the type of pulse you feel. If it's very faint or throbbing, hold the point longer until the pulse balances.
If your hand gets tired, slowly withdraw pressure from the point, gently shake out your hand, and take a few deep breaths. When you're ready, go back to the point and gradually apply pressure until you reach the depth where it hurts good. Again, press directly on painful site (which often moves, so follow and stay with it) until you feel a clear, regular pulse or until the pain diminishes. Then slowly decrease the finger pressure, ending with about twenty seconds of light touch.
When you have located the point and your fingers are comfortably positioned right on the spot gradually lean your weight toward the point to apply the pressure. If you're pressing a point on your foot, for instance, bend your leg and apply pressure by slowly leaning forward . Using the weight of your upper body (and not just your hands) enables you to apply firm pressure without strain. Direct the pressure perpendicularly to the surface of the skin as you take several long, slow, deep breaths. Hold for a few minutes until you feel a regular pulse or until the soreness at the point decreases. Then gradually release the pressure, finishing with a soothing touch.
Each body - and each area of the body - requires a different amount of pressure. If it hurts a great deal when you apply pressure on a point, then use light touch instead of pressure. The calves, the face, and genital areas are sensitive. The back, buttocks, and shoulders, especially if the musculature is developed, usually need deeper, firmer pressure. Because certain areas of the body, such as the back and shoulders, are hard to reach, I will recommend using Acu-Yoga1 postures, which involve leaning against the floor to apply the proper amount of pressure to the points.
To achieve the full benefit of self-acupressure, you should choose a comfortable, private environment that lends itself to deep relaxation. You can use acupressure at work, however, if you can take a ten-minute break. Choose whatever position you find most comfortable - either sitting or lying down. As you press points in different areas, feel free to reposition your body so that your muscles can relax completely. (See "Guidance for Deep Relaxation," at the beginning of Part 11.)
Ideally, you should wear comfortable clothing. Tight collars, belts, pants, or shoes can obstruct circulation. I recommend wearing natural fibers that breathe, such as cotton or wool blends. Also, it's a good idea to keep your fingernails trimmed fairly short to prevent any discomfort or injury to the skin.
Avoid practicing acupressure right before a big meal or on a full stomach. Wait until at least an hour after eating a light meal and even longer after eating a heavy meal. Practicing a complete acupressure routine when your stomach is full can inhibit the flow of blood and may cause nausea. However, simply pressing one or two points to relieve indigestion or hiccups is perfectly safe.
Avoid iced drinks (especially during the winter months), because extreme cold generally weakens your system and can counteract the benefits of acupressure. A cup of hot herbal tea would be good after an acupressure session along with a period of deep relaxation.
For optimal results, you should perform the acupressure routines daily, whether you are using acupressure to maintain your health or to help relieve an ailment. If you are using acupressure for the latter reason, continue using these same points even after you've obtained relief. This can prevent recurrence. If you cannot practice every day, treating yourself to acupressure two or three times a week can still be effective.
Limit your self acupressure sessions to an hour at the most. When you begin practicing acupressure, you may find that you are most comfortable holding a point for two to three minutes. You may find that you can gradually over two to three months - work up to holding points longer, but do not hold any one point longer than ten minutes. And do not work any single area of the body, such as the abdominal area or the face, for longer that 15 minutes. The effects of acupressure can be quite strong. If you work too long, too much energy is released and complications, such as nausea and headaches, can occur.
1 For further self-help information, see Michael Reed Gach's Acu-Yoga (Tokyo: Japan Publications, 1981), 121-247
Tuesday, May 23, 2017
B&W 800 Diamond: $24,000/pair
mbl Radialstrahler 101E Mk.II: $70,500/pair
Revel Ultima Salon2: $21,998/pair ✩
Revel Ultima Studio2: $15,998/pair $$$ ✩
Sonus Faber Amati Futura: $36,000/pairSony SS-AR1: $27,000/pair
Vandersteen Model Seven: $48,000/pair
Vivid G1Giya: $65,000/pair
Wilson Audio Specialties Alexandria XLF: $200,000/pair
Wilson Audio Specialties MAXX Series 3: $69,500/pair ✩
Canton Reference 3.2: $12,000/pair
DeVore Fidelity Gibbon 3XL: $3700/pair $$$ (stands necessary)
Focal Maestro Utopia: $50,000/pair
Harbeth Monitor 30.1: $5990–$6790/pair, depending on finish (stands necessary)
JBL Synthesis 1400 Array BG: $12,000/pair
Joseph Audio Pulsar: $7000/pair (stands necessary)
KEF LS50 Annversary Model: $1499.99/pair (stands necessary)
Klipsch Palladium P-17B: $4000/pair (stands necessary)
Lansche Audio 5.1: $41,000/pair
Magico Q5: $65,000/pair
Marten Django XL: $15,000/pair
MartinLogan Montis: $9995/pair
Monitor Audio Platinum PL200: $9000/pair ✩
Sonus Faber Guarneri Evolution: $22,000/pair (stands necessary)
Sony SS-AR2: $20,000/pair
TAD Compact Reference CR1: $42,000/pair (stands necessary)
Thiel CS3.7: $13,900/pair ✩
Vienna Acoustics Klimt The Kiss: $15,000/pair (stands included)
Vivid Oval K1: $24,990/pair
Vivid B1: $15,000/pair
Voxativ Schimmel Ampeggio: $33,000/pairWilson Audio Specialties Sasha W/P: $27,900/pair
Wilson Audio Specialties Sophia Series 3: $17,900/pair
Atlantic Technology AT-1: $3000/pair $$$
Audio Note AN-E/SPe HE: $9600/pair (stands necessary) ✩
DeVore Fidelity Orangutan O/96: $12,000/pair (stands included)
Focal Chorus 826W Prestige Edition: $3699/pair $$$
GoldenEar Technology Triton Two: $2999.98/pair $$$
KEF Q900: $1799.99/pair
Line Magnetic 755 I: $9000/system
Linn Majik 140: $2995/pair
Monitor Audio Silver RX6: $1250/pair $$$
Nola Contender: $3600/pair
PSB Imagine T: $2198/pair $$$ ✩
Spendor SP100R2: $11,495 (stands necessary)
Vandersteen Treo: $5995/pair $$$
Wilson Audio Specialties Duette: $13,900/pair (stands necessary)
ATC SCM 11: $1825/pair–$1925/pair, depending on finish (stands necessary)
Audience ClairAudient 2+2: $5000/pair (stands necessary)
B&W CM5: $1500/pair (stands necessary)Canalis Anima: $3250/pair (stands necessary) ✩
Dynaudio Excite X12: $1200/pair (stands necessary) $$$ ✩
Gradient Helsinki 1.5: $6500/pair
Harbeth C7ES-3: $3690/pair (stands necessary) ✩
Harbeth P3ESR: $2090/pair (stands necessary)
Paradigm Reference Studio 20 v.5: $1498/pair (stands necessary) $$$
Penaudio Cenya: $3995/pair (stands necessary)
PMC DB1i: $2199/pair (stands necessary) ✩
Polk LSiM703: $1499.90/pair (stands necessary) $$$
ProAc Response D Two: $3500/pair (stands necessary)
ProAc Tablette Anniversary: $2200/pair (stands necessary)
Spendor S3/5R2: $1595/pair (stands necessary)
Stenheim Alumine: $12,795/pair (stands necessary)
Teresonic Magus: $4985/pair (stands necessary)
Triangle 30th Anniversary Comète: $1599/pair (stands necessary)
Vivid V-1.5: $7650/pair
PSB Image T6: $1298/pair $$$ ✩
Class C (Restricted LF)
Audioengine 5+: $399/pair (stands necessary) $$$
DALI Zensor 1: $475/pair (stands necessary) $$$
Epos Epic 2: $799/pair (stands necessary) $$$
NHT Classic Absolute Tower: $1099/pair $$$
PSB Imagine B: $1099/pair (stands necessary) $$$ ✩
PSB Imagine Mini: $759/pair (stands necessary)
PSB Image B6: $549/pair (stands necessary)
Rethm Trishna: $4950/pair
Swissonor B.A.C.H. 8e: $4995–$5495/pair, depending on finish (stands necessary)
Thiel SCS4T: $3690/pair
Totem Dreamcatcher: $625/pair (stands necessary)
Triangle Bookshelf Color: $799/pair (stands necessary) $$$
Audioengine 2: $199/pair (stands optional) $$$ ✩
Boston Acoustics A 25: $299.98/pair (stands necessary)
Definitive Technology Studio Monitor 55: $598/pair (stands necessary)
Definitive Technology Studio Monitor 45: $398/pair (stands necessary)
Emotiva XRT-5.2 X-Ref: $559/pair
Epoz AktiMate Micro: $499/pair (stands necessary)
Music Hall Marimba: $349/pair (stands necessary)
Polk Audio RTi A3: $399.95/pair (stands necessary)
PSB Alpha B1: $299/pair (stands necessary) $$$ ✩
Tannoy Mercury V1: $320/pair (stands necessary)
Wharfedale Diamond 10.1: $349/pair (stands necessary)
Energy CB-10: $269.99/pair (stands necessary)
Klipsch Synergy B-20: $280/pair (stands necessary)
NHT SuperZero 2.0: $198/pair (stands necessary
Joseph Audio Perspective
Wilson Audio Specialties Alexia
Sonus Faber Venere 2.5
TAD Evolution 1
Klipsch Palladium P-39
PSB Synchrony One
Verity Audio Leonore
Paradigm Reference Studio 60 v.5
Totem Acoustic Forest
Totem Model 1 Signature Totem Mani-2 Signature
Linn Majik 109
ATC SCM 40, all not auditioned in a long time.
Chario Premium 1000
Quad Reference ESL-2805 not currently available in US.