God's Love

Pence quoted Ecclesiastes 3 in letter to Pelosi explaining why he wouldn’t invoke the 25th Amendment

Vice President Mike Pence made an unscheduled stop to address Franklin Graham’s Prayer March on 26 September 2020(Photo: Samaritan’s Purse)
Vice President Mike Pence drew wisdom from the Bible in his decision not to invoke the 25th Amendment to remove Trump after last week’s attack on the Capitol.
In a letter to Speaker of the House Nancy Pelosi explaining his decision, he suggested that invoking the 25th Amendment would only cause further divisions and undermine the healing of the nation. 
“After the horrific events of last week, our Administration’s energy is directed to ensuring an orderly transition,” he wrote.
“The Bible says that ‘for everything there is a season, and a time for every purpose under heaven … a time to heal, … and a time to build up.’
“That time is now. In the midst of a global pandemic, economic hardship for millions of Americans, and the tragic events of January 6, now is the time for us to come together, now is the time to heal.”
Pence was under pressure to invoke the 25th Amendment after Trump supporters stormed the Capitol building last week. 
The 25th Amendment permits the removal of the president from office if the vice president and a majority of the Cabinet deem him to be “unable to discharge the powers and duties of his office.”
Following Pence’s refusal to do so, the House voted last night to impeach Trump, making him the only president in US history to be impeached twice. 
Some Republicans supported the measure, but Iowa Rep Ashley Hinson was among those voting against it. 
In a statement on her vote against, she shared similar sentiments to Pence. 
“I believe the President bears responsibility and that is why I urged him personally to call off those who were violently storming the Capitol last week,” she said.
“I wish he had spoken up sooner, but he did not. Words matter; there must be accountability for those who feed into the dangerous rhetoric on either side of the ideological spectrum.”
She continued: “Impeachment is the wrong path forward for several reasons. Speaker Pelosi is bypassing regular order – including the process of collecting evidence, conducting committee hearings, and having preliminary votes – to rush toward a second impeachment of President Trump.
“Just a week out from a new Administration, impeachment will only serve to feed the flames and further divide our nation.” […]

God's Love

UK should follow in footsteps of US and restrict DIY abortions – pro-life group

The US Supreme Court building in seen in Washington, DC.Reuters
The Society for the Protection of Unborn Children (SPUC) has welcomed a ruling from the US Supreme Court requiring women to collect abortion drugs from a hospital or doctor. 
The Supreme Court voted 6-3 in favour of upholding the regulation after abortion campaigners argued that it put women at risk due to the threat of coronavirus. 
SPUC said that keeping the requirement offers some safeguards for women having an abortion at home. 
It is now calling on the UK, which permits abortion pills to be sent to women in the mail, to follow suit and tighten regulations around at-home abortions. 
Michael Robinson, SPUC Director of Communications said: “Policies allowing DIY at home chemical abortion are bad, but at least a stipulation that a woman must see a doctor in the flesh provides some safeguards for women, especially vulnerable women.
READ MORE: A lifeline for women considering abortion
“We welcome this Supreme Court decision which protects women and we urge the UK government to reverse its dangerous DIY abortion policy.”
The UK Government relaxed abortion rules after the start of the first lockdown last year so that women could take both abortion pills at home up to the tenth week of their pregnancy.
The pills can be sent to women in the post after a consultation with a doctor over the phone or by video. 
But SPUC and other pro-life groups have warned that the system puts vulnerable women at risk of coercion and is wide open to abuse. 
“With the whole chemical abortion process being done remotely, the abortion provider has no way of knowing who is really on the other end of the phone; if she is being coerced into an abortion, or if the abuser is in the room with her,” Mr Robinson said.
“There is no way of knowing the gestation of a woman’s pregnancy over the phone, which is crucial as the drugs are only supposed to be used up to 10 weeks. There is no way of knowing if she is following the medical protocols when taking the drugs, or if she’ll be able to seek medical help if anything goes wrong.
“SPUC supports the Supreme Court’s decision to uphold this regulation and we urge the UK government to reverse its dangerous DIY home abortion policy which is endangering women across the country.” […]

God's Love

What does Covid have to do with Exodus?

(Photo: Unsplash/Chattersnap)
Although it is the heart of winter, the Jewish calendar has now entered the month of Shvat, the month of Redemption. And this is the time we read the Book of Exodus, when G-d chooses the Jewish people to become His partners in saving the world.
Whereas the Book of Genesis was all about Creation and the forming of individuals – in Exodus the Jewish individuals which have become G-d’s chosen family slowly develop into a nation, a nation which will be become pioneers in more ways than one.
As I write, my daughter has sent a photo by WhatsApp of being inoculated against Covid in Israel. And a photo of my son-in-law who has also now been inoculated by another of the four Israeli health insurance companies.
The importance of gleaning, which Judaism taught the world through the Book of Ruth, has also not been forgotten in Israel. Anyone who queues up at the inoculation centres can get a dose – because throwing life-saving medicines away is not only a sin in Judaism, it is also a crime. And in fact, nurses have run out into the streets in order to find passers-by to offer the jabs to at the end of the day.
What turned a rag-tag of miserable slaves, many the children and grandchildren of Holocaust survivors, into the nation that in the face of death always opted for life? To such an extent that they are being regarded today as the world’s ‘guinea-pigs’. What other group of people would be willing to test the efficacy of unknown vaccines, thereby doing the world an incredible favour – because who knows the repercussions of such advances in medicine?
However, in order to become the pioneering nation par excellence, the Jewish people had to undergo the miserable existence of slavery under Pharaoh – made all the worse because to start with Pharaoh ‘knew’ them. This means that their contribution to Egyptian society had been recognized by Pharaoh, and only then, when Pharaoh was doing well, did he get rid of the Jews as being surplus to requirements.
Pharaoh is the name not only for tyrants of empires with us no longer, but also for governments everywhere who simply get rid of their Jews when they are no longer required – the first being Edward I in England. In 1290, he made sure that the Jewish community were drowned in the Wash, after bleeding them dry with his wars in Scotland and Wales. And yet Edward is known as a good and very effective king.
To return to our initial prototype biblical Pharaoh, he no longer ‘knows’ the Jewish people, he pretends they don’t exist. And to prove his contempt, he degrades them through humiliating and useless labours contrived to make no sense at all – exactly like Hitler who coined the phrase: ‘Arbeit Macht Frei’.
Everyone knows that slavery never liberates. On the contrary, slavery leads to negative habits, and often to suicide. So, by bringing the new Jewish nation, known as ‘the children of Israel’, out of Egypt – G-d is testing their desire to be pioneers. And often there is backsliding and yearning for the comforts of past slavery. Even though they know that the Promised Land of Israel is in sight, the Jewish people never stop squabbling and complaining – and some even challenge Moses’ leadership.
And during the time of these stories of the 10 Plagues and the journey through the Reed Sea, with Pharaoh changing his mind yet again and chasing after the slaves he has just ‘let go’; their seemingly never-ending trek through the Wilderness and the epiphany at Sinai, site of the 613 commandments, when G-d appears to every man, woman and child, why do we suddenly celebrate in two weeks’ time the important Festival of Tu B’Shvat, New Year for Trees?
Judaism is a religion of many parts: linear, cyclical, environmental, historical, spiritual and seasonal (just to name but a few). But with the Exodus stories starting in the heart of winter and morphing into the first signs of spring, what exactly do we celebrate at this time with Tu B’Shvat?
We celebrate the first appearance of the first almond, known in Hebrew as sh-k-d, an anagram for ‘holiness’ and also conveying the idea of watchfulness, with a connection to Jeremiah 1:11-12, where the tiny ‘almond’ becomes a ‘watch-word’.
Here is Rashi’s commentary on the ‘almond’ verse, which he wrote in northern France in around 1066, when fellow-Frenchmen were invading England and taking it over at the Battle of Hastings.
The almond is generally regarded as one of the most health-giving foods in existence – and one of its traits is that it is quite hard to crack, starts off with a bitter taste and then becomes sweeter as you get used to it.
This present Covid situation, which first started to be taken seriously in this country around Pesach (Passover) of last year, has everything to do with Exodus and almonds.
As early as Tu Bshvat last year, Israel started to make very difficult decisions in order to combat the oncoming plague. For instance, the spring Purim carnival, much loved by children, was cancelled. It is not yet known whether it will go ahead this year.
The month between Tu B’Shvat and Purim will be a seminal period when decisions will have to be made. Meanwhile all schools are still shut over there.
However, with people under 50 now being inoculated in Israel, it may be that the vast majority of adults will be inoculated by the end of February, just when Purim takes place, a month before Pesach (Passover).
So, during this festive time of plagues tempered with almonds and slavery tempered by liberation, who knows what the outcome will be. The only way forward is eternal vigilance – which has been the watchword of the Jewish people for 4,000 years.
Dr Irene Lancaster is a Jewish academic, author and translator who has established university courses on Jewish history, Jewish studies and the Hebrew Bible. She trained as a teacher in modern Languages and Religious Education. […]

God's Love

Get the Covid-19 vaccine, say Scottish faith leaders

(Photo: Unsplash/Michael Marais)
Churches in Scotland have joined other faiths in encouraging people to get vaccinated against Covid-19.
They are among the signatories of a joint letter by Scottish faith leaders voicing support for the Government vaccination programme aiming to innoculate up to 400,000 people across Scotland against coronavirus by the end of February. 
“We faith leaders in Scotland understand the difficulty that our communities are facing during this pandemic,” the letter reads.
“We urge all faith communities to take measures that will ensure their safety and the safety of others.
“Furthermore, we support the Covid-19 vaccination programme across the community and we encourage people to be vaccinated so that they keep themselves and their neighbours safe.”
The letter has been signed by Rev Dr George Whyte, Principal Clerk of the Church of Scotland General Assembly, Bishop Hugh Gilbert, President of the Catholic Bishops Conference of Scotland, the Most Rev Mark Strange, Primus of the Scottish Episcopal Church, Dr Muhammad Rafiq Habib, Convenor of the Muslim Council of Scotland, and Rabbi Moshe Rubin, Senior Rabbi Of Scotland, among others.
While churches in Scotland have been forced to close for public worship during the latest national lockdown, Dr Whyte said they were still playing a vital role in the community, with a number of church buildings opening up across the country as vaccination centres. 
They include Morningside Parish Church, Edinburgh, and Dunfermline East Church, in Fife.
Scottish Catholic leaders have strongly opposed the suspension of public worship, while the Church of Scotland has been supportive of the measure. 
Dr Whyte said: “The Church of Scotland is working with the Scottish Government to ensure that local churches continue to be part of the effort to suppress the coronavirus outbreak by following the advice to stay at home as much as possible.
“We fully accept that the latest pandemic restrictions mean that we have to close churches again for the time being.
“While recognising that communal worship is an essential element of our faith, we also know that the Church remains present and active in our local communities even while buildings are closed.
“We will continue to work with the Scottish Government to ensure that reopening churches will happen as soon as it can be done safely.
“In the meantime, we are encouraged by the many church congregations across Scotland who are offering essential support -both spiritual and practical – to their local communities.”  […]

God's Love

Trusting God with the Future

Dec 17, 2020
“So be strong and courageous! Do not be afraid and do not panic before them. For the Lord your God will personally go ahead of you. He will neither fail you nor abandon you.”  
Deuterononmy 31:6
Trusting God is one of the Bible’s primary themes. The words faith, believe, and trust are seen over and over. These are ways we receive from God, and they help us develop a solid relationship with God that is not shaken even during the most difficult circumstances. They eliminate worry, and that, of course, includes worry about the future. Trust allows us to enjoy the peace that passes understanding. As a matter of fact, trusting God is what allows us to enjoy life. Without it we find no rest for our souls.
“Then Moses called for Joshua, and as all Israel watched, he said to him, “Be strong and courageous! For you will lead these people into the land that the Lord swore to their ancestors he would give them. You are the onewho will divide it among them as their grants of land.”
Deuterononmy 31:7
We don’t even know for sure what will happen in the next five minutes, let alone a year or more from now. After entering into a relationship with God, we begin to learn that He wants us to trust Him and to lean and rely on Him for absolutely everything. This does not mean that we do nothing while God does everything for us, but it does mean that we trust Him more than we trust ourselves or anyone else.
We have the privilege of trusting our Lord for protection, provision, strength, and wisdom—and certainly for the future. You can relax, because no matter what your future holds, God knows all about it, and He will go before you and plan your every step!
Do not be afraid or discouraged, for the Lord will personally go ahead of you. He will be with you; he will neither fail you nor abandon you.”
Deuterononmy 31:8 […]

INSURANCE & MORTGAGE

8 Small Steps Toward Financial Protection – Life Happens

About half of all Americans make New Year’s resolutions. Along with exercising more and eating better, many people aim to get a better handle on their finances. 
If you’re in that camp, we’re here to help. Here are some surefire steps to create a more financially secure future for you and your loved ones. 
Create a budget.
The first step toward getting financially fit is to create a budget. Everyone needs an understanding of how much they’re earning, how much they’re spending, and how they’re going to meet their current and future financial goals. The Federal Trade Commission has information on how to create a budget. Once you outline your budget, make sure to stick to it. Also make sure to regularly revisit it and adjust it as needed.
Control and minimize debt.
Your budget will help you keep track of where your money is going. It will also help you identify areas where you’re overspending. It’s critical to cut out any excess spending. Also work to minimize your debt load. So long as you have debt, you’ll be responsible for paying interest. (So definitely make an effort to pay more than the minimum on your credit card each month!) Set goals to pay off your debt and track your progress. 
3. Automate an emergency fund.
An emergency fund is money you set aside for unforeseen expenses. They could be an unexpected home or car repair or a job loss. Most financial professionals recommend having three to six months of basic living expenses in an emergency fund. However, it takes time to build those funds. Automate the process by having part of your paycheck deposited into a special emergency fund account. You can also have your bank automatically transfer funds to a savings account earmarked for emergency expenses. Even a small amount each week can help you get there. 
Get life insurance to protect your loved ones and review it annually.
Life insurance provides your loved ones with money to maintain their lifestyle if you die. This money is known as the death benefit and it can replace your income, pay off debts like a mortgage, and cover funeral costs. It can also help with future expenses like college tuition, retirement, and much more. Experts recommend having life insurance that equals between 10 to 15 times your gross income. For a working idea of how much you need, use an online calculator like the Life Insurance Needs Calculator. Then work with an insurance professional to explore your options and get the right coverage. Make sure to review your life insurance annually or after a big life change like buying a new house, having a baby, or changing jobs.
Protect your paycheck with disability insurance and review it annually.
Disability insurance is one of the best ways to protect your most important asset: your paycheck. Disability insurance typically replaces 50% to 70% of your earnings if you’re unable to work due to a disabling illness or injury. An easy way to calculate how much you might need is to use an online calculator like the Disability Insurance Needs Calculator. Make sure to review your coverage with your HR department or insurance professional as your salary increases.
Keep beneficiaries up to date.
It’s important to update the beneficiaries on your financial accounts like your life insurance or 401(k). This is especially true after major life events such as a marriage, divorce, birth, or death. Not having the right beneficiary can lead to money going to the wrong person or delays in disbursing money. 
Put a will in place.
A will is a document that allows you to specify certain things after you die. They can include how your assets will be distributed, who will make sure your wishes are carried out, and who will take care of any minor children. Without a will, the state could decide who gets your children and more. Fortunately, the process of creating a will is not as complicated as many people believe. And it’s well worth it since it spares your loved ones from all kinds of headaches. A lawyer can help you create a will and discuss other issues like power of attorney.
8. Save for retirement.
Tap into any  available resources to help grow your retirement nest egg. That includes enrolling in your company’s 401(k) plan or looking into other retirement savings options like an IRA. Definitely take advantage of any “matching funds” your company makes to your 401(k) contributions. Matching funds are like “free money.” What’s more, the contributions you make to your 401(k) reduce your taxable income.
Make 2021 the year you become financially fit by following these steps. Each one will create a better, more protected future for you and your loved ones.  […]

FINANCE & TECH

Masks and Money: How COVID-19 is changing social norms – Squawkfox

At first people looked away when I wore a mask. Then they hugged me. Then they berated me. Now masks are en vogue and in Vogue. Whaaat happened?
Social norms are changing quickly thanks to COVID-19.

Let’s start with mask-wearing. Then I’ll Squawk about your money.
I started wearing a face mask in public when my immune system crashed during chemotherapy last summer – seven months before the COVID-19 pandemic hit Canada. Wearing a medical mask in public was odd and isolating; it signaled I wasn’t well. People looked away out of discomfort and I stuck out in public because masks did not fit in. I didn’t look ‘normal’.

Drawing a pink ribbon on my mask helped a lot. Adding the well-recognized breast cancer symbol to my masked face communicated WHY I was shielded. People now waved, smiled, and even approached me to share stories about their own cancer experiences. I even got a few virtual hugs at the grocery store.
Then COVID-19 happened.
Suddenly, personal protective equipment (PPE) was in short supply and anyone wearing a medical mask in public was called out for it. Whaaat? How did my mask use become so reviled?

Because I’m immune compromised after cancer chemo. Because I still need to eat.Because a chemo nurse gave me the mask.Chill, Jennifer. https://t.co/igSA2GFGdx
— Kerry K. Taylor (@squawkfox) March 28, 2020

I went from being shunned in public, to being approachable, to being despised – all in a hot minute.
Awesome.
Actually, not awesome, but totally horrible. Then something happened. Again.
Fashion houses started creating designer masks, entrepreneurs on Etsy started selling unique face covers, and social influencers donned fashion masks in public places to support a unified front against the spread of COVID-19.

Trudeau says he intends to wear mask on Parliament Hill https://t.co/3ZfhSAlEM3 @GlobePolitics pic.twitter.com/cX1pvd86ra
— The Globe and Mail (@globeandmail) May 20, 2020

Prime Minister Justin Trudeau said he would wear a mask on Parliament Hill to prevent the dreaded “speaking moistly”, and Canada’s Chief Public Health Officer – Dr. Theresa Tam – now recommends wearing a mask in public.

Retailers like Costco have a new mask policy.

“Any business has the right to refuse anyone,” says Premier Doug Ford on the use of masks when shopping.#onpoli #COVID19
— Robert Benzie (@robertbenzie) May 22, 2020

Wearing a mask suddenly became acceptable, required, and very fashionable. Vogue announced that masks are the breakout trend of summer.
My immune system doesn’t care much about Vogue, but people do. We are social animals and we respond strongly to social approval.
To create this level of change, a new behaviour must reach a higher level and hit the status of a social norm. Social norms shift when two things change: our perception of how people should behave (does this look and feel right?), and the notion of fitting in (does this behaviour conform to or violate the norm).
A social norm gets real when we collectively believe we’re doing something others expect us to do. The expectation of wearing masks already existed in the cancer community, but it became a community-backed social norm to help prevent the spread of COVID-19. “We’re all in this together” is the collective thinking that turned mask wearing into a social norm so quickly.
But what about money? If COVID-19 has the power to change face wear, what about our spending, saving, and cash-using habits?
Social Norms, COVID-19, Your Money
When was the last time you’ve used cash during the pandemic? Since lockdown, I’ve noticed retailers moving towards cashless payment systems. The Bank of Canada has asked retailers to keep accepting cash despite COVID-19 concerns because many people depend on cash and have limited payment options.
The administration at my local farmers’ market asked vendors to provide cashless payment as a precautionary measure against COVID-19.
Can you get COVID-19 from physical money? Fair question. Recent science regarding the risk of infection from contaminated surfaces says: “It is possible to be infected with SARS-CoV-2 through indirect transmission, but it appears to be exceedingly rare.”
Science is one thing. Public perception is another. If the public collectively believes passing cash around increases personal risk, then guess what? Mobile payment systems and touchless payment processes increasingly become the social norm and human contact with physical currency becomes less socially acceptable.
So what’s the big deal? As a money expert I’ve been a long time fan of physical dollars and cents because paying with cash increases loss aversion – it feels more painful to pay in cash than it does to tap a credit card – and this pain decreases spending.
Going mobile and cashless is proven to increase spending – check out Behavioral Science: 3 Tricks to Help You Pay Off Debt Faster for the details. My bottom line is I’m a fan of spending less and saving more, so I’m concerned by a further decline of cash.
So what’s the future of cash? It’s unlikely cash will completely disappear, but we may be moving to a “cash-lite” system where contactless payment processing is favoured. As we’ve seen with mask wearing and use, social norms can change quickly in the face of this pandemic.
Social Norms! So where am I going with this?
Social norms and consumption habits are notoriously hard to change. The pandemic has forced us to change shopping patterns too.
Ask yourself this:
What changed your spending habits?
A budget
Hiding your credit cards
COVID-19
Staying at home cuts commuting costs, transit, and fuel. Eating at home cuts restaurant, takeout, and bar tabs. Cosmetic and clothing sales are down. We all need a haircut. Travel and tourism are of course waaaaay down.
In a few short weeks the pandemic has accomplished more change to consumption patterns than any budget spreadsheet I could offer.
As we slowly move out of quarantine, go ahead and reflect on what mattered most in isolation. What was worth the spend? What is worth ditching? You may be surprised how some new habits are worth keeping. Personally, I hated grocery shopping online. Ugh. Awful.
Stay safe, you are loved.
Love love love,Kerry

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