#my limit for today is 700...but i really need to be in the negatives more often

[sk3l3t0n1n]

i hate myself so fucking much

[fire2forge]

Looking back...

March 15th 2020. My ship said goodbye to to our last guests. We pulled into Miami, let everyone off and left to go drift out with all the other cruise ships. At the time we all thought that it would truly be a 30 day pause in operations, we know now how naïve that was.

I’ll admit for awhile it was nice. Crew had the run of the ship, bars were open earlier, we had very little work to do, late nights out having fun, all kinds of activities. We were all so confident that covid hadn’t made it to our ship, that we were all safe, and this was just gonna be a 30 day vacation. 

Cut to the 21st:

We come to find out later that this unannounced drill was our super-spreader event. Because no-one knew it was a drill, everyone that was in isolation came out (we thought the ship was on fire)...by the time it was announced it was a drill and those confined should not leave it was to late...

Cut to the 24th:

I go back to medical later in the day, and after testing negative for the flu, am given a mask and told I was not allowed to leave my cabin (I luckily did not have a room mate), unless it was to come back for daily temp checks.

I find out later on that unknown to most of us we had a lot of people that had quietly been put into isolation (in a crew of 2000+, it’s easy to not notice). This was also the day of our first major repatriation effort 700 crew (mainly cruise division) where slated to fly...only a few did. 

Cut to the 28th:

The first PCR tests are done onboard, sometime in the afternoon the Captain comes on and says we have one positive case. A few hours later its 14 confirmed cases, and everyone is told to return to their cabins until further notice (We never had an official announcement given after the first 14, but it was well over 100 cases by the end). The ship has just entered lock down.

On the 29th All crew got moved into guest rooms, this was both because of an order from the CDC, and so that the many smoker’s would be able to smoke on the balconies. We had different zones to divide everyone up:

Red Zone for confirmed cases, Orange for suspected/been in contact with, and the rest for supposedly healthy. It’s here that I note that even though I had already been in isolation for days, had a constant cough, and had had a fever (that by then had broken) I was never tested, nor was I put into orange zone.

At this point no one can leave cabins (excluding those working crew) and the company has started to realize that they need to get everyone back home as soon as possible. Repatriation efforts start to really kick into gear.

We stayed in what would eventually be labeled Phase 1 for 29 days. We entered Phase 2 April 26th.

PHASE 1

During the initial phase, all crew got asked if they wanted to stay onboard (unpaid), basically for those who didn’t want to or couldn’t go home for any reason. This would become Group 3. I was part of this group, for many reasons I did not want to go home, so the free room and board was perfect for me, and many of my friends. This is the sole reason I was onboard for so long, not because of anything the company did.

Those that did want to go home became group 2, many of them would end up waiting months before their country opened up and flights could be made, I remember how at the end of March beginning of April, we would constantly here from the Capt that some nationality was going to fly that day, only for him to come back and say that the got denied at some point in the process and would be coming back onboard. 

Those few that were still getting paid, still had a job because someone had to run the ship became known as Group 1.

I don’t really remember that much from this time, the days really started to blend and the isolation was not helping anything. While people in the US where throwing fits over “Shelter in Place” orders, I was not allowed to leave a room that was roughly 20′x10′. They complained about not being able to see friends, I only saw 1 person a day (one of my managers twice a day for temp checks, approx. 5 second visits each). They complained that stores had limited hours, I had no store, I had limited choice in food, I had no ability to get snacks, it was 3 meals a day that’s it, you want some chips at 3pm to bad dinner won’t come till 6pm. (eventually they sorted out a system so we could by snacks, beer, cigs, and bathroom supplies). To top this all off we had no access to laundry services till round April 5th, I was put in isolation before everyone else, I had not done my laundry for a week before hand....I was struggling.

Looking through some old notes, apparently at one point I had made a schedule, Breakfast 9-10...Read till 11....Listen to the crew radio show 11-1...Lunch 12-1...Nap...Dinner 5-6...Sleep. Very stimulating days we had.

A month of solitude was not easy, especially when you keep hearing about crew members being denied entry into their own countries, the media blaming the industry as a whole for covid reached the US, constantly thinking our quarantine was gonna end only for it to be extended, and not seeing or really speaking to anyone the entire time. But a light at the end of the tunnel...Phase 2

PHASE 2

April 26th we got let out....kinda...

Split down the Middle...people on Portside got let out for 3 hours, then People on Starboard got let out for 3 hours (this excluded anyone in red or orange zone). After our “yard time” we went back to our cabins. Once a week you could go down and purchase up to 4 items from the slop chest (the crew shop). Everyone was wearing masks, the only time we weren’t is if we were smoking, one person per ashtray spaced about 8ft apart. 

At some point during this time the Captain made a comment on how in hindsight we should of went straight into lockdown on March 15th, that we should of done 2 weeks then instead of over a month now.

We still had 2 temp checks a day (done door to door), and all meals were still delivered. There is a reason we joked about it being yard time, because it really was. You got to get some fresh air and maybe see a few friends that was it....Luckily it didn’t last long we entered phase 3 on May 12th. 

But before that a note. By this time the fleet had started using our own ships to transport crew home, aka one ship sailed a bunch of people over to India. Along with that some people were getting lucky enough to have flights. So my ship was constantly losing people, either because they got a flight home or where being moved onto another ship. If I remember correctly our largest sign off was ~500 Filipinos, it was a hectic time in crew movement, by the time we got into Phase 3 we only had a few hundred people on board if memory serves right.

PHASE 3

We could finally be outside for as long as we wanted, no more restricted movement. Meals where in the large guest buffet area (seating 1 or 2 people a table only, all distanced), temp checks where done at division based locations, for me that was the theatre (still two a day)....that’s basically the only change.

We still had to wear masks at all times, we were still supposed to keep distance, no groups, no going into each others cabins, no fun nights out...in theory.

The first few days in Phase 3 we ended up signing off almost everyone that was in Group 2, by May 20th we were at minimum manning +16 Group 3 (in total about 100 people). It was then that we went back to eating in the crew mess and the restrictions where unofficially forgotten about. 

When I say this you must keep in mind that at this point it had been almost 3 months since any of us had touched land, and a solid month and a half since we had a positive case. Much like New Zealand and Australia now, we no longer had to worry about covid. We still wore masks around the ship (thanks to the CDC), but unless Chief Safety caught you no one was gonna look twice at a large group eating at one table, or a group staying up late drinking and playing cards (guilty of that)...By the end of May it was almost like we had regained some normalicy...so of course it couldn’t last...

MOVING SHIP 

May 21st, Group 3 got a notice that we would be transferred to another ship in the fleet to consolidate all of us together. They said it would be a few weeks before this transfer...We finally got moved on June 22nd.

As of today March 16th 2021 a full year after we stopped sailing, the last remaining Group 2 and Group 3 people from my company have gotten home, those that were in Group 2 came from Vietnam, and Trinidad and Trabago it took a year to finally get them home...let that sink in.

...

And here is where i’ll end this tale, if anyone is interested in knowing about life on the 2nd and 3rd ship I got transferred to before going home in December, let me know i’ll type something up.

[rainforestalliancedeutschland]

Good Reasons To Change To A Wireless Mouse For Gaming

There's been a growth of support for switching to some cordless mouse for gaming. After thousands of hours of gameplay to the wired mouse , '' I presumed I'd attempt to create the switch by the Steelseries Rival 700 to some Logitech G305. Below are the results from my own experience.

Why should you listen to my own opinion? I've been playing with PC games, chiefly 1st Person Shooter (FPS) titles, for as long since I can remember. I've played counterstrike: world wide Offensive currently create information for high level Apex Legends gameplay and semi-competitively, mouse box explains.

So together along with my debut out of their way in which, here's what I think about making the switch into a cordless mouse for gaming.

The Technical Enhancements From Going Into wireless

Let us first look at the technical improvements and prospective downfalls from relocating into an mouse. If youwant the most useful advantages in gaming or're a participant that is competitive, this particular section goes to be absolutely the absolute most critical to you.

Working with a cable provides drag. You're forced to proceed that cable too, After you proceed your mouse. You are freeing-up that friction and surprisingly that can do wonders by taking away the cable. That is your benefit for employing cordless.

Next, let's talk about latency. From my practical experience with the Logitech G305, I could not experience any apparent latency. A-1 ms report speed is claimed by logitech. It's tricky to recognize just how fast that is in real life. But, that's an interesting range because this is the response speed for a keyboard that is mechanical, instead of a keyboard that is nozzle computer.

Clearly, you're adding 1 M-S on very top of actually pressing the button itself, but still, 1 ms is almost nothing at all. Unless you are a kind of level expert gamer, I doubt you would certainly have the ability to obtain any profit by using a wired mouse.

Cordless detectors have clearly become many more powerful in the past few years. cordless mouse have beenn't always like that, and that's why they will have assembled a very reputation.

Just make certain that as soon as you do buy a wireless mouse, then you still really go to get a dependable manufacturer like Logitech or even Razer. Study the product description in order to don't end up getting a mouse that does possess a bad 29, and assess out any factual statements. This can be from my experience that is private, but that I feel as though I've played enough to know how an normal gamer may believe.

The Comfort Gains For Using a wireless Mouse

There's yet another side to this story. If you really care more for advantage and relaxation, this is where a cordless gaming mouse could be favorable. The biggest thing for some may be that you have just one less cable. However in addition, it opens more room for an even mobile installation.

Imagine if you don't consistently want to sit your desk to perform your games? From a space on the couch, you also can sit with a wireless mouse and possess good latency on a PC. The G305 I have will receive a connection up to ten feet away. The sofa predicated computer system gamer can be an increasing audience and now there is growing curiosity about peripherals known as lapboards.

Lapboards feature a built-in mousepad and a slot machine to get the keyboard so that you are able to play with comfortably from a distance. For having a mouse the negative benefit facet is that the limited battery lifetime. If a mouse is powered with batteries that are removable, you'll need to control them up or purchase new batteries from time to time.

Cordless & Wired Mouse Pricing Comparison

In case you really care for pricing, then you may be curious to understand how the purchase price ranges differ among cordless and wired gaming mice. We paired a few options from your gaming mouse makers and compared their own pricing to do this.

Verdict

In all cases, cordless mouse in an identical production or scope are somewhat far more high priced.

Overview

It ought to be really clear today that will benefit from a wireless mouse that the maximum. Those that worry about convenience and comfort will most value A wireless mouse. The significance will be offered by A cordless mouse to somebody who cares a lot concerning the latency instances and peak functionality.

If you are the normal gamer, then you likely fall towards the relaxation and side. You might need to try a wireless mouse out before investing in it if you are marginally more competitive in the heart.

Should you do want to obtain a wireless mouse, ensure to read upon any model that takes your own attention and check testimonials for latency and reply instances. Check out our article on how vertical mouse to decrease wrist strain.

[korra-the-red-lion]

Unnatural Affairs. Chapter 9: Locker Room Ghost.

(Ally + Lyn + Michael)

Ally.

Unfortunately, I had to spend the last couple of days catching up on my schoolwork.

As it turned out, you still had to do the work even if all your classes were cancelled. After my night in the library with Lyn, I realized with sickening dread that I had forgotten to finish my assignments. So, I spent all of Thursday and Friday frantically catching up on my work.

We had to do our presentation of Miss Julie this Monday, so Michael, Mags and I spent all day Friday practicing our lines and doing the write up. I got to caught up in all the researching and ghost speaking that I nearly forgot that the whole reason why I was here was for school. Oops. Professor Kinkly didn’t seem like the kind of person who would take any kind of excuse as to why things were handed in late.

After that, I lugged myself back to my room and worked away at a paper I had for my Anthropology class. I had to write about cultural adaptions in other countries, so I picked beauty standards in Japanese culture. I was only allowed 700 words, which didn’t give me a lot of space. I wasn’t very good at limiting myself.

Sarah was back now, after she went home to visit her parents when classes were cancelled. She was typing away on her bed, also working on something. Eventually she groaned loudly and slammed her laptop shut.

“I hate my sociology class so freaking much,” she whined.

I took my ear bud out, turning my chair to face her. “What’s the issue?”

“I have to write this like, super judgy paper on underdeveloped neighbourhoods,” she complained to me, shifting on her bed until she was hanging upside down. “Except the film they made us watch a movie that was like, totally made by privileged people who like to blame people for issues they can’t control.”

I frowned in distaste as I listened. “Ugh, sorry to hear that, Sarah. That’s so frustrating. They need to update that course ASAP.”

“Right? Like, why do people blame the poor and underprivileged?” she glared at the weird stain we had on our wall.

“Probably for the same reason we don’t make things accessible for people with disabilities and chronic illnesses,” I remarked, a tinge of annoyance lacing my words. “The world is run by rich, able bodied, white assholes.”

“Valid point.”

“I have those sometimes.”

She snorted before rolling onto her stomach. “I’m going to grab something to drink. You want something?”

I shook my head. “I’m good, thanks.”

“Okay, suit yourself,” she said with a shrug. I waved her goodbye as she left before I turned my attention back to my dumb paper.

Of course, it didn’t take long for my thoughts to drift back to my conversation with Janna Kawada from a couple of days ago.

“Hey, are you the student who did an interview for the student paper about the showers?” I had asked as I approached the team who was finishing their practice from the looks of things.

She eyed me suspiciously as she took a sip from her water bottle. “Yeah. Who’s asking?”

“I’m Ally Holland, and I uh…I’m writing a paper about what happened,” I lied nervously, hoping it would work.

Janna raised her eyebrow before shrugging it off. “Whatever, I guess. What about it?”

“Do you mind just telling me exactly what you saw?”

She sighed dramatically. “I already told this all to Anna, why do I need to repeat myself? It’s in the paper.”

I swallowed hard, attempting to make myself look serious. It was a little hard when you were short and had a bit of a round face. I looked like a big child. “Please, I need to know.”

“Seriously?” She searched my face before sighing again. “I was changing after practice because I left early when I heard a bunch of screaming coming from the showers. I went over to see what the hell was going on and saw all the swim girls covered in blood. They were totally freaking out. I thought it was some shitty prank until I saw a couple of them crying. Then I looked and the showers were still spraying out the blood. That all you need?”

It was nearly identical to what she had said in the papers. I frowned, mostly in disappointment. I was hoping there was more that she had to share. “Um,” I started hesitantly.

“Yeah?”

“Was that the only thing you saw?”

She stared at me with a strange look. “Why do you ask?”

“Well…” I chewed the inside of my cheek, “the article in the paper suggested that there was more, that the team was cursed. I was just wondering if you noticed anything else that seemed strange.”

Janna was silent for a very long time. I was getting a little disheartened when she gave a shaky sigh. “Listen, I’ll tell you this but no one else hears it,” she said with a slight tremor, “got it?”

I nodded quickly, pulling my pen and notebook out. She eyed them with disdain before shaking her head.

“I thought I saw a strange face in the mirrors.” She looked around uncomfortably. “I thought it was just one of the girls, but I didn’t recognize her at all. Not that I know all those girls, but she was really hard to focus on. When I looked again, there was no one there. I just figured I imagined things since the whole situation was freaky as shit.”

I wrote this all down as quickly as possible. “Thank you, Janna! This really helps!”

“Well,” she looked at me suspiciously again, “good luck on that paper then.”

This basically confirmed to me that there was a ghost haunting the women’s locker room. I looked up at the ceiling as I completely forgot about my paper as I got deeper in thought. Since most ghosts lingered in the spot they were killed in, that meant this ghost was at the very least killed in the Athletic Centre. I thought maybe Amelia Turner was our suspect, but I wasn’t so sure. The obituary Lyn found made it sound like she committed suicide, meaning that the cause of death had to match that. It just didn’t connect in my head quite right.

I suspected that there was a different person haunting the locker room. I bit my lip, trying to piece together this puzzle. Blood showers, attacking a student, mirrors. Usually a vindictive yet harmless act, like the showers, was an indication that this ghost was trying to get attention, or so claimed the supernatural book I read the other day. An attack suggested aggression, maybe vengeance. But by all accounts, Jackie had nothing to do with this. She was a victim of circumstance more than anything else.

Maybe the ghost was losing itself? I read that it could happen to someone who was being forgotten. If a spirit still had familial attachment to this world, they were less likely to go feral. But if there was no one to remember the spirit, or in this case the soul of the person, as they once were, they lost themselves to the darkness. Was this the case here? Was the Locker Room Ghost being forgotten? If we could help them pass on peacefully, then it doesn’t matter if their last attachment to this earth forgot them. However, that meant we needed to help them soon. An angry ghost was much harder to pass on then a normal one, because they became corrupted with negative feelings.

I wasn’t sure how long I stared up at the ceiling, lost in my thoughts before my phone buzzing on my desk startled me back into existence. I nearly fell out of my chair as I scrambled to answer it.

“Hello?”

“Ally!” Michael’s voice boomed out.

I winced as I turned down my volume. “Yeah?”

“What are you up to? Are you busy?”

“Um,” I spared a guilty glance at my long-forgotten paper, “nothing. What’s up?”

“Can you text Lyn and meet me up at the pond?”

“Yeah, sure. Right now?”

“If you don’t mind!”

“No, I can,” I said glancing at the time on my laptop. I wasn’t sure if Lyn was at practice or not. I thought she usually was there for 4:30. “I’ll be there in a few. Bye.”

“Bye!” he said cheerfully before we both hung up. I sent a text to Lyn before grabbing my coat and purse.

I closed my laptop, whispering “Sorry” before heading out. I will finish that horrible paper tonight. But for now, it must remain unfinished.

XXX

Michael.

October was one of those months that made zero sense in Canada.

Yesterday it was so freaking warm that it was regretful to wear pants, but today was chilly coat weather. I didn’t know whether to blame climate change or if this was just typical of this province, but it never did this back home. Yuck.

I dropped my backpack as I sat down waiting for Ally and Lyn. I originally was going to suggest the big tree, but I kinda wanted to be away from ghosts for the time being. I had a plan tonight involving ghosts and I wanted to stay spirit free for awhile.

It wasn’t long before Ally got here. I thought it was really funny that she was wearing a coat and scarf yet refused to wear pants. Homegirl was committed to her aesthetic and I loved that. Her socks legit went all the way up her thighs, leaving only a sliver of space between her way too long coat and the top of her socks.

I grinned at her in greeting as she sat down next to me. She adjusted herself to a comfortable position.

“Lyn said she’d be a few minutes, but she couldn’t stay too long,” she explained as she loosened her scarf.

“All good. I just wanted to share this really quickly.”

She nodded as she relaxed. I poked her in the face when I noticed she was wearing her thinking face again. She looked at me confused as I shrugged in response. She rolled her eyes and leaned back. The fact that we could sit silently like this was nice. There wasn’t a lot of people I could just sit with, but Ally was one of them.

Eventually Lyn jogged over to join us. She plopped down immediately and said, “What’s up? I gotta head to the pool in like 10 minutes.”

“It won’t take long,” I promised as I reached for my bag. Ally and Lyn watched me curiously as I opened it up, digging around for a bit before I found what I was looking for. With a triumphant smile, I pulled out the bag of jewelry I got from Talia.

“Ta-dah!” I presented them with a huge grin.

Lyn reached over and picked on up gingerly. “You called us here…” she said examining it slowly, “…for some rocks?”

“Not just any rocks,” I said happily. “Special rocks!”

Ally picked one up as well, turning it over between her fingers. “These are gemstones, right?” she asked, looking at me.

“Yes!” I beamed. “I got them for protection! Those black ones are onyx, and they’re suppose to protect us from any attacks. These are for you,” I put the amethyst and onyx in Ally’s hand, “and you,” I dropped the onyx and quartz in Lyn’s.

Lyn eyed hers skeptically as Ally put on the bracelets. “Aw, thanks Michael,” she said as she examined it in the sunlight.

“How the hell did you know my ring size?” Lyn questioned as the quartz ring fit her perfectly.

“So that’s the extremely creepy part,” I said. “I didn’t realize it until I got home but somehow just by your names alone, Talia knew who you were.”

“Right.” Lyn slipped the ring off and put it in her pocket. “That is very creepy.”

“Maybe she’s a witch or something,” Ally joked.

“If you tell me that werewolves are real, I’m heading out.”

“There’s no proof that they aren’t real,” I pointed out. Lyn groaned as she pushed herself to her feet.

“Is that all? I gotta bounce otherwise.”

“Oh! One more thing!” I said quickly. “Tonight’s the full moon.”

Realization dawned on Ally’s face as Lyn looked between us to explain. I said with a wave of my arm, “Supernatural powers are enhanced by the moon. I think we should go to the locker room tonight and see if we can talk to the ghost in there.”

“Uh-huh,” Lyn said slowly as she crossed her arms. “Wouldn’t that mean the ghost will be stronger or something?”

“Yeah.”

“So, the ghost who has already proven itself as dangerous would be more powerful, and you want us to go on a ghost hunt?”

“That sounds about right to me, yeah.”

Lyn gave me a hard look. She glanced at Ally and asked, “Are you okay with this?”

Ally looked over at me, and I nodded seriously. “I can get DNA samples if we get them at their most solid.”

She nodded and turned back to Lyn. “I trust Michael. Besides, we have these for protection now,” she said, holding up her wrist. “I don’t know if any time is a good time, so now is better than waiting for another student to get hurt.”

Lyn looked between us again before sighing deeply. She threw her hands up in defeat. “Yeah, okay, sure. This is so bonkers anyway. We’ll go tonight around 11, how does that sound? I’ll even get us a key to the building, so we’ll be the only ones inside, just in case.”

“Thanks Lyn!” Ally and I chimed together, smiling at her. Lyn rolled her eyes, but her lip quirked upwards slightly before she grumbled off to practice. Ally watched her go until she made her thinking face and got lost in thought.

I gave her a couple of minutes to stew. I wasn’t kidding when I told her she’s always thinking. She must have dozens of thoughts bouncing around in that head of hers at all times. It wasn’t until I saw her draw her lip in for that thoughtful bite she always did that I poked her in the temple, drawing her back to reality.

“Whatcha thinking about, Ally?” I asked with a chuckle. “You’re making your thinking face.”

“I don’t have a thinking face,” she replied.

I laughed. “Yeah, you do.” I pulled my eyebrows together and pulled my lips in. “It looks like this.”

“You look stupid.”

“It’s your face.”

“Hey!”

“You walked into that one.”

She looked over at me for a second before she fell back with a groan. I poked her again when she didn’t say anything, causing her to groan louder. Finally, she muttered, “It doesn’t make sense.”

“What doesn’t make sense?”

Ally looked up at the waning sun. “The Locker Room Ghost.”

I fell back with her and linked my hands together over my belly. “Why doesn’t it make sense?”

“Because Lyn found another woman who died on campus, Amelia Turner. What doesn’t make sense to me is the obituary. It sounds like she died via suicide, but a locker room isn’t a place I would do that in.” Ally’s face scrunched up in frustration. “Especially young women in the 90s. I feel like the place would be more private, like a bedroom or even a bathroom. But an open space locker room where anyone could have walked in on it? That’s where the disconnect lies.”

I frowned in thought. That was actually a good point. “Gosh, Al, you’re good at this. I don’t think I would have noticed that.”

“Fat lot of good it will do,” she grumbled. “But I’m really worried that the ghost in there isn’t Amelia, which means we’re dealing with someone else entirely.”

“Did you ask Dahlia about it?”

She shook her head. “It came to me this morning. Plus, I was so focused on catching up to that stupid assignment for my Anthro class and the write up for Drama that I haven’t had time to go talk with her. Maybe I should…”

My eyes drifted absently to where I know she was residing. I shuddered slightly when I thought about the pressure that area brought on when she revealed herself. “Maybe not today,” I suggested.

Ally looked over with a question in her eyes. I propped myself up on my elbow as I faced her. “I just…it was hard to breathe when you talked to her with me. If my theory of the full moon giving them a boost is true, then she must be freaking strong right now.”

Ally hummed in thoughtful agreement as she closed her eyes. “Yeah, I guess that makes sense. Anyway, maybe I’m overthinking it. I could be totally off. Also, you’re not sure on the whole full moon thing?”

“Not exactly, but most of the books I read seemed to agree with the theory,” I said. “It’s worth the risk, I think.”

“I agree.”

We laid there for a little while, watching the sky get dark. I wasn’t sure what was going through Ally’s head at the moment, but I knew I was starting to feel a little anxious. I really hope that this worked out for us and that we could solve this quickly. Unfortunately, I had a bad feeling this wasn’t going to be resolved by Thanksgiving.

XXX

Lyn

“I’m heading out, Nura,” I said with a yawn. “Don’t wait up for me, ‘kay?”

“Where are you going?” Nura asked.

My hand wavered between my parka and my bomber jacket as I decided between the two. “I’m just meeting up with some friends for a bit,” I said as I grabbed the bomber and threw it on.

“A party?”

I snorted as I redid my ponytail. “You know I would never. I have a swim meet in a couple of weeks.”

“Oh right,” she chuckled. “I forgot, you don’t do that.”

“Rarely,” I said dryly. I pulled on my tattered old Converse and tied the laces tightly. “Okidoki, see ya. I’ve got my keys and phone, so seriously don’t wait up for me.”

She wished me goodbye as I closed the door behind me. I pulled my tuque from the pocket of the jacket, jamming it on my head before stepping outside. It was obnoxiously cold tonight, but I always loved the smell of Autumn air. It didn’t take me long to get to the AC, where Ally and Michael were waiting.

Michael was wearing a backpack that looked to be pretty full. I raised a brow at it, and he grinned.

“Supplies,” was all he said.

I shrugged before glancing at the darkened building and frowned. “Right, guess we’re going in.”

“Yeah,” Ally said quietly beside me.

“It’s just a ghost, yeah?”

“Hopefully.”

I looked down at her. She only offered a noncommittal shrug. Yeah, that makes me feel totally safe. I stuck my hands in my coat pockets and sighed.

“Sounds like we’re good to go,” said Michael as he headed for the front door. I reached over and grabbed his shoulder to stop him from moving forward. “Huh, what?”

I shook my head. “I forgot, but the building lights are activated by motion,” I explained.

Michael looked slightly confused, but before I could explain the issue, Ally piped up.

“That means people would know there was someone inside. Security would come by and see what’s going on.” She looked at me. “Is that correct?”

“Yup.” I started walking off. “But there’s another way in. Follow me.”

We walked around the building until we got to the back door. I knelt down in front of the door and opened my own bag. I pulled out a shoehorn. Michael and Ally both shot each other a confused look before Ally opened her mouth to ask about it. I shook my head to stop her as I turned my focus on the door.

“Don’t ask,” I muttered as I jammed it under the door. “I got into a lot of trouble when I was younger.”

Like I suspected, they didn’t lock the back door. It was something they did often. A lot of the guys who worked at the desk were on the football team, and they would leave the doors unlocked so they could sneak in to use the pool for partying. I slowly pulled it open enough that I could hook my fingers around, grinning as I did.

I stood up as I opened it wide. “After you,” I said with a mock accent, bowing to them two of them.

Once we were in, I closed the door gently just in case. I wasn’t sure if there was anyone still left inside or if the guys snuck in tonight. A Friday night pool party wasn’t an uncommon occurrence. I listened for a minute, waiting to hear the sounds of guys talking or splashing. Luckily, it seemed like we were alone for now.

“This way,” I whispered. I lead them down the hall, using the key to open the door to the weight room. The lights flickered to life as we cut through, humming softly. I unlocked the other door and ushered them through. A short walk later, and we were in the women’s locker room.

“What do you want to see first?” I asked, looking around for some supernatural signs. So far nothing, though I wasn’t even sure I’d be able to see anything.

Ally’s eyes flickered to our locker room before connecting with mine. “The mirrors, actually.”

I lead them into the bathroom. Ally walked over to the mirrors and began searching around them. Michael joined her, poking around the sinks as well. I stood off to the side, not really sure what I should do. What I did notice, however, was how freakishly cold it was in here. Don’t get me wrong, the locker room was sometimes really fucking cold, but not like this. I could see my breath in here. That freaked me out, just a little.

Ally shivered as she stepped away, her eyes searching for something that wasn’t there. She was muttering to herself under breath, little white clouds puffing out as she did. Michael had wandered into the showers to see if he could find anything interesting. I stepped closer to Ally almost unconsciously.

“Are you cold?” I asked.

“Huh?” Ally blinked, clearly knocking herself back into reality. “Oh. Yeah, a little.”

I pulled my tuque off and put it on her instead. She reached up and brushed her fingers against it lightly. She looked at me quizzically.

“You look like you need it more than me,” I said lightly.

She smiled. “Thanks.” I didn’t fail to notice the blush on her face, and I looked away, thankful for the darkened room. I felt like my ears were on fire.

Suddenly, her eyes snap back to the mirror. I froze, searching. I couldn’t see anything, but Ally started approaching the mirror cautiously.

“Ally…” Michael stepped over, his voice quivering.

“What’s going on?” I asked, trying to stop the panic that was creeping up my throat.

Ally placed her hand on the mirror, staring at nothing but clearly seeing something. “What do you mean?” she asked absently.

I don’t understand what was going on. Michael was staring at the same spot, but there wasn’t anything there. Ally was clearly having a conversation with someone.

“Why shouldn’t we be here?” Ally asked, tapping her finger against the glass. “Please, tell me.”

What the fuck…I stepped back in fear. I could feel a growing tension as the lights flickered on and off. Michael dug around his backpack before he pulled out a flashlight, turning it on. He whipped the light towards me.

“Lyn, are you wearing that ring I got you?” His voice was tight with control.

Confused, I shook my head slowly. He urged me to put it on as the lights finally settled. I slipped it on, but I didn’t notice a difference. Ally was stepping away from the mirrors, looking around panickily.

My heart was thudding in my ears as I looked around, but I’m pretty sure whatever happened was over now. Shit, I wasn’t going to be a lot of help here, was I?

“Ally, what happened?” Michael asked.

Ally was breathing quickly. She forced herself to take a deep slow breath before looking over at him. “She said we shouldn’t be here.”

“Who?” we both asked at the same time.

“I’m-” Ally glanced at the mirror in a mix of confusion and fear, “-I’m not sure.”

Oh. Cool. Cool. Coooooooool. We were already dealing with some unknown ghost and now there was potentially another fucking person to deal with? My legs were shaking but I forced myself to lean into the wall.

“Ally,” my voice cracked, “should we go?”

She looked at me, her pupils large with fear. It looked like she was racing through a ton of thoughts at once before she settled on one. She shook her head, swallowing thickly before saying, “No. I wanna see the locker room. Unless…” she hesitated, “…you guys wanna go.”

Fuck yes, I wanted to go. I was scared shitless. But some part of me, some crazy part of me, said to stay. We needed to see what happened to Jackie. So, despite the screaming protest in my head, I shook my head. “It’s this way,” I squeaked.

I brought them over to the entrance of our locker room. With a shaking hand, I punched in the passcode and opened the door. I turned on the lights so we could see. I haven’t been in here since the attack. The wall was covered in a tarp, to cover up the writing on the wall I suspected.

Michael stepped in and pulled the tarp off. I was holding my breath but released it when I saw what was there.

It was mostly gibberish. There wasn’t a coherent sentence in the words, but I did pick up a couple. Help. Death. Here. Ally pulled her phone out, taking a picture of it. Michael pulled a swab out of his pocket and ran it against the wall. He pulled out some oozing goo, which looked really fresh. He carefully put the swab in a tube with a mixed look of disgust and interest.

“Are we good to go?” I asked nervously. I had both hands over my ears, squeezing them anxiously.

“I think so,” Ally said in mild disappointment. She looked around one last time before sighing. “I guess she left.”

“Who?”

“The ghost in the mirror,” she answered. I stepped out first, waiting for them to follow after me. Michael was the last one to leave. Before I closed the door, I felt something wet drip onto my hand. I stared at it blankly, my mind not comprehending what it was. It was dark and slimy. The lights flickered as I looked up slowly.

Hanging from the ceiling was some demonic looking creature. Its eyes were glowing green in the dark, and when we made eye contact, it cracked its head all the way around before opening its toothy mouth, howling at me.

I screamed.

XXX

Ally.

I heard Lyn scream. I heard something else scream too. I looked over as she slammed the door shut. She whipped around towards me and Michael, shoving us forward.

“What was that?!” I asked frantically.

“I-I-I have no fucking i-idea! Lyn stammered out, looking behind her shoulder. An arm punched through the door, ripping a hole as it retracted.

A head poked out. The face was distorted and inhuman. Bloody salvia dripped down its face as it linked eyes with us. It howled again as it dragged its body through the hole it made. It was human shaped but wasn’t at the same time. The limbs were disjointed, the torso large and barreled shaped. But something really stuck out to me.

Those eyes looked so sad and lost.

It jumped at us, but we managed to turn the corner before it hit us. “This way!” Lyn yelled, running down the hallway we came up from.

Michael pulled a bag out of his pocket and threw it at the monster. It screeched in pain as it reeled back. It clawed at its face, blood spraying as it tore into flesh.

“What was that?” I asked as we ran.

“Salt!” he cried.

Oh, that made sense. I should have brought some. It only slowed it down a little bit, before it launched itself at us again. This hallway seemed for much longer the second time around. It felt like we ran forever and ever as it stretched in front of us. Was what going on? I tried to think about all the books I was reading before this, but my mind was coming up blank. It took a swipe at us, howling in pain. Lyn shoved me to the floor as the claws raked her arm. Blood sprayed in an arc as she shouted in shock and pain.

“Lyn!” I said as I scrambled to my feet. “Are you okay!”

“I’m fine!” she gritted her teeth. She held her arm, blood oozing through her fingers. “Michael, do you have more salt?”

Michael watched the beast approached us with horror. His eyes flickered to her before nodding. “Two bags left.”

“Hold it off for a minute,” she growled. She plunged into the weight room as the beast reared up on its haunches, taking another swipe at us.

We both ducked to avoid having our heads be taken off. Michael threw some of the salt on the floor and tossed the rest at the monster. It screamed in frustration and pain as its flesh burned from the salt. I screamed as it reached over for us, its clawed hand grabbing me and lifting me into the air. It knocked Michael aside, knocking his head into the wall. He slumped to the floor boneless.

“Michael!” I shrieked. I wiggled against the grasp, but I could barely move. “Lyn!”

The monster yowled in my face, spittle and blood splattering me all over. I winced, trying to get away. It did it again, squeezing me tightly. I whimpered as I felt my bones creaking, unable to draw a full breath of air.

“ARRRGGHHHH!!” Lyn roared as she ran over. She swung a weighted bar like a bat, smashing it against the arm of the beast.

I fell to the floor as it roared in agony. Lyn swung again, hitting it in the face this time. It smashed into the wall, writhing in pain. Lyn reached down and helped me to my feet. She was breathing heavily as she backed up.

“Is Michael…?”

I shook my head. “Just knocked out.”

“Are you able to lift him?” She eyed the monster as it pushed itself out of the wall. I shook my head again. “Fuck…okay. Ally, hand me that last bag.”

I reached over and took the salt off of Michael, who groaned in pain. I muttered an apology to him as I shoved the salt in her hand. Lyn took the salt and rubbed a bunch of it over the weighted bar. She shouted as she swung it, hitting the monster one last time before she dropped it on it, pining it place.

She scrambled back as it shrieked so loudly that the overhead lights shattered. “That’s not going to last!!”

Together, we hoisted Michael over her shoulders and made a mad dash to the door. I pushed it open, and we ran outside, the cold air feeling like a blessing on my sweating face. We kept running until we were far enough way to feel safe.

I spared a fearful look at the Athletic Centre, but the demonic beast hadn’t followed us. I collapsed to the ground, my tears mixing with my sweat. I shook uncontrollably as Lyn laid Michael down gently and sunk to the ground herself.

My breathing was getting shorter and catching as I tried to take in air. My vision was spotty as I brought a trembling hand to my face, trying to get the blood off. Lyn must have grabbed my hand, but I wasn’t sure when.

“Ally, can you hear me?” she asked calmly.

I looked over at her. I think I nodded.

“Okay. What are five things you can see?” Her voice sounded so muffled.

“F-five things?” I hiccupped.

She nodded. I blinked a couple of times, trying to refocus. “M-Michael. Grass. You. Lamppost. S-scoreboard.”

“Okay, good,” she smiled softly, turning my gaze back on her. “Now four things you can feel.”

“G-grass.” I shakily raised my hand to brush her hand. “Your hand. The b-b-breeze. My leg.”

“You’re doing great,” she murmured. “Can you list three things you can hear?”

My breathing was slowing down a little, allowing me to take deeper breaths. I nodded to answer her question. “Michael groaning. The bugs.” I locked eyes with her now. “You.”

Lyn’s eyes shone with something as she nodded. “Yup. Two things you can smell?”

I took a deep breath through my nose. As I did, Michael had rolled over and vomited all over the grass. My face scrunched out a little in disgust. “Vomit…shea butter?”

“My lotion,” Lyn chuckled softly. “Can you tell me one thing you can taste?”

I shook my head. My mouth felt extremely dry and sandpapery. Lyn reached into the non tattered pocket of her jacket and pulled out a candy. Her hands shook as she unwrapped it. She pressed it against my lips, which I parted slightly so it would go in.

After a couple of seconds of sucking on it, I said quietly, “Caramel.”

“How do you feel now?” she asked hesitantly.

“A b-bit better,” I took another deep breath. “Thank you.”

She nodded. “We needed to get going,” she tried pushing herself up, only to wince and gasp in pain. We both forgot about her arm in the heat of the moment. She fell back, pressing her hand against the wound.

“Is everyone alive?” Michael asked groggily, his face in the grass. At least he scooted away from the vomit spot.

“Yeah,” I answered. I was still shaking, my head was still pounding, but I could breathe. I looked over at the building again, but I didn’t sense any negative energy coming from there. What was that thing? Was that a vengeful spirit? If it was…that wasn’t what I expected.

I shook my head, forcing myself to refocus. Lyn and Michael needed medical attention, and my panic attack wasn’t completely dealt with. I shakily got to my feet, fighting a wave of nausea. Once I was sure I wasn’t going to fall over, I helped Lyn to her feet too. Together we lifted Michael up, my heart sinking when I heard Lyn hiss in pain.

“Are you okay?” I asked concerned.

“I will be,” she said through gritted teeth. There was a sheet of sweat on her face and she was shaking way more now. “The adrenaline is just wearing off now.”

I didn’t completely buy it, but we needed to get Michael help. I was pretty sure he was concussed. I bit my lip, regretting that as soon as I did because there was blood on it. I spat on the ground. “Okay, where do we go? The hospital I guess?”

Lyn frowned. “They’ll ask questions, but it makes the most sense…”

I silently agreed with her. I didn’t want them to ask what happened, but we had very limited choices. Why couldn’t life be like books and TV? Heroes always get these wild injuries that magically were fine a couple hours later. Oliver probably should have died like 7 times an episode in the early seasons of Arrow, but he always turned out fine. Totally unfair.

The only major issue is we had no way to get there unless we walked. I wasn’t sure any of us were going to be able to make it there without passing out. Lyn sighed through her nose as she looked around in thought. “Fuuuuck, okay. I’ll call someone.”

“Who?”

“That’s the question,” she muttered. She pulled out her phone and dialled. “Olivia, hey. Can you pick me up?”

Lyn’s face dropped as she listened to the person on the other end for a few agonizing minutes. “Liv, okay. Yeah, hmm. Fuck, okay, I’ll come home Thanksgiving. I just need you to drive me and my friends to the hospital, no questions asked.” She rolled her eyes as she huffed in annoyance. “No, don’t tell mum and dad. Thank you.” She hung up without saying bye, dropping her injured arm with a groan.

I wanted to ask who that was, but I was able to put the pieces together. I adjusted Michael, who was starting to stand on his own power a little bit more. “Should we just wait here?”

Lyn nodded sullenly. “Yeah, my sister is coming to pick us up. We might as well sit while we wait.”

She lightly settled back on the ground, making sure Michael was comfortable first. I sat next to her and put my head on her shoulder. She stiffened slightly at the contact before slowly relaxing. It was so strange to think that we could be sitting here rather serenely even though we just avoided death not too long ago.

I guess life does always move on, even through tragedy.

[sportsfunfacts]

Am about to share you some facts and quotes that I have gained from this popular player called Ronaldo. 

          Ronaldo profile and his achievement

Cristiano Ronaldo dos Santos Aveiro GOIH ComM is a Portuguese professional footballer who plays as a forward for Serie A club Juventus and captains the Portugal national team. Wikipedia

Born: 5 February 1985 (age 35 years), Hospital Dr. Nélio Mendonça, Funchal, Portugal

Children: Cristiano Ronaldo Jr., Alana Martina dos Santos Aveiro, Eva Maria Dos Santos and more

Current teams: Juventus F.C. (#7 / Forward) and Portugal national football team (#7 / Forward)

Awards: European Golden Shoe, FIFA World Player of the Year, The Best FIFA Men's Player and more

Books: Moments, Cristiano Ronaldo: The Way i Feel, Soccer Superstars 2013 and more

He is one of the few recorded players to have made over 1,000 professional career appearances and has scored over 700 senior career goals for club and country.Country: Portugal

Age: 35 years

Weight: 83 kg

Date of birth: 05 February 1985

 Ronaldo has won five balloons d or award 

      What I gained from Ronaldo

1. We all known that Ronaldo is a hardworking player,cos he his the first one the training pitch and the last one on the training pitch He tell us to be hardworking and pratice hard for what is about to happen that we don't know about 

2.Ronaldo is the best player in this country there is no one like him and he his the best player the country ever had He tell us that you don't need to come from a great place before you become so great 

3.Ronaldo has played in the three best leagues in Europe and setting record in each leagues He tell us that don't be bother about the new challenges cos it can be overcome 

5.Ronaldo has scored so many outside goal than all others player,cos before he gets into the box he always scores his Goal He tells us don't wait for anything before you crack your chance 

6.Ronaldo has use both his legs and his head to score so many goals he even use his chest sometimes He tells us that since all your body is still active you can use all you got to achieve your aim 

            Documented quotes about Ronaldo

1. Your love makes me strong. Your hate makes me unstoppable.

Never listen to the haters around you. Instead, take their hate as motivation and prove them wrong. The same fire which burns one can become the fuel for another.

2. I’m living a dream I never want to wake up from.

You have the ability to live your dreams. But you have to call the shots. Make a plan and take massive action. The future favors the relentless. This is one of the best Cristiano Ronaldo quotes on our list.

3. We don’t want to tell our dreams. We want to show them.

Don’t just talk about what you want to do. Go out and do it. People love the sound of their dreams and keep talking about them. But only those who work hard ever taste greatness.

cristiano ronaldo quoutes

4. I’ve never tried to hide the fact that it is my intention to become the best.

You don’t become the best overnight. You need to set powerful intentions every day, every month, every year, to go beyond your own reach and to grow to the next level.

5. If we can’t help our family, who are going to help?

It’s good to desire success. But it’s equally important to care for your family. Without them, you won’t be where you are today.

6.  We should make the most of life, enjoy it because that’s the way it is.

Life is short. So don’t spend it focusing on negativity. Make the most of it by focusing on pleasure. Listen to music. Take long walks. Sing like a madman. Go crazy. What good is life without a hint of madness?

7. But I don’t want to be compared to anyone – I’d like to impose my own style of play and do the best for myself and for the club here.

Your craft and your talent come from within you. They’re not dependent on what others are doing. Take inspiration but never get jealous. This one stands out among all Cristiano Ronaldo quotes.

8. Today there are opportunities that no one knows if they will come round again in the future.

If you want to succeed, you need to believe in opportunities. When you can see it and your mind can conceive it, you will achieve it.

cristiano ronaldo quotes

9. Scoring goals is a great feeling, but the most important thing to me is that the team is successful – it doesn’t matter who scores the goals as long as we’re winning.

There must be a greater purpose to what you’re chasing. Don’t just chase money or fame. When your goals arouse terrifying longing, you’ll conquer all obstacles that come your way.

10. I would be very proud if, one day, I’m held in the same esteem as George Best or Beckham. It’s what I’m working hard towards.

You should have role models to inspire you. There will always be people who have accomplished more than you with fewer resources than you have now. Take strength from it.

11. I want to consistently play well and win titles. I’m only at the beginning.

Weak goals bring weak results. Always set ambitious goals which make you excited and put a fire in your belly. The only limit is the one which exists in your mind. Out of all Cristiano Ronaldo quotes, this one stands out as it makes you dream bigger.

12. There is no harm in dreaming of becoming the world’s best player. It is all about trying to be the best. I will keep working hard to achieve it but it is within my capabilities.

You must believe in your ability to become great. We are made up of the same matter and if we train ourselves every day, every minute to work hard, learn and evolve, nobody can stop us from becoming great.

Cristiano Ronaldo Motivational Video “Unstoppable”

13. When you lose a person you love so much, surviving the loss is difficult.

The hard truth in life is that you will lose everyone you will love. So are you going to make it count while it lasts? Give them your love, time and attention, because every good thing comes to an end.

14. After I joined, the manager asked me what number I’d like. I said 28. But Ferguson said ‘No, you’re going to have No. 7’ and the famous shirt was an extra source of motivation. I was forced to live up to such an honor.

Ronaldo had to wear the No. 7 jersey previously worn by the likes of George Best, Eric Cantona, and David Beckham. The lesson? Treat responsibilities with respect. They push you beyond your comfort zone and skyrocket you on the path to success.

15. It gives me the happiest feeling in the world. I just love scoring. It doesn’t matter if it’s a simple goal from close range, a long shot or a dribble around several players, I just love to score all goals.

It’s bad to have addictions. But it’s good to get addicted to progress. Get addicted to improvement and you’ll become unstoppable. This is one of the best Cristiano Ronaldo quotes because it shows progress is the drug great people are always high on.

16. I don’t have to show anything to anyone. There is nothing to prove.

Your only competition is the person you were yesterday. Challenge yourself, not others.

17. I see football as an art and all players are artists.If you are a top artist, the last thing you would do is paint a picture somebody else has already painted.

Treat your work like a craft. Don’t steal from others. Give it your vision, creativity, and dedication, and you’ll be able to build something unique.

18. I am not a perfectionist, but I like to feel that things are done well. More important than that, I feel an endless need to learn, to improve, to evolve.

It is innate in human nature to realize our greatest potential. So never stop learning and evolving.

19. When I win awards, I think of my father.

When you taste success, don’t feel entitled. There are people who work with you and push you in ways you have no idea about. Always be grateful for the people who support you.

cristiano ronaldo quotes talent

20. Talent without working hard is nothing.

The world is full of talented people who turned into failures. Talent matters less. What really matters is how devoted you are to your craft. Being disciplined is one thing, but being devoted is a different game.

Click to read full details

[debtfreeinthree]

How Refinancing Your Student Loans Can Save You Thousands

Sometimes people ask me what’s the biggest mistake I made when I was paying off my student loans. I tell them, “I didn’t refinance my student loans.”

Honestly, I didn’t even know I could refinance my student loans. Companies like SoFi, CommonBond and Earnest were barely around when I graduated from college and refinancing wasn’t as widespread as it is today.

Now, SoFi has ads during the Super Bowl. Even so, many of my friends aren’t aware that it’s an option, even though it could save them thousands of dollars.

Even so, many of my friends aren’t aware that it’s an option, even though it could save them thousands of dollars. Refinancing can save you thousands of dollars, especially if you have high-interest rate loans. Generally, if you’re paying more than 4-5% on your student loans, then you should see what your refinancing options are.

What Does Refinancing Mean?

When you refinance your loan, you’re selling the rights to your loan usually to a new company in exchange for a lower interest rate or lower monthly payments. Most of the time, people refinance so they can save money by paying less interest overall.

Not sure if you’ll benefit from refinancing? Check out this calculator from Student Loan Hero that will show you if you’ll save money on refinancing – and how much.

For example, if you have a balance of $35,000 on a 10-year term (with 10 years left) at an interest rate of 6.8%, you’ll save more than $3,000 total if you refinance with today’s rates. If you think that’s a small difference, consider this: you could go to Europe on $3,000, pay for a major repair on your car or start a new business. The money you save by refinancing could speed up a lot of things you want to do.

If you think that’s a small difference, consider this: you could go to Europe on $3,000, pay for a major repair on your car or start a new business. The money you save by refinancing could speed up a lot of things you want to do.

Go here to see the best student loan refinance companies!

Am I Eligible?

Unfortunately, refinancing your student loans is tricky. Student loans are an unsecured loan, which means there’s no physical collateral behind them, unlike a mortgage or car loan. If you have a car loan and stop making payments, the bank can repossess your car and recoup their investment. But if you stop making payments on your student loans, no one can take away your degree.

That’s why companies that offer student loan refinancing have to be very careful about who they accept as customers. They can’t afford to have people default on their loans.

They’re usually looking for two things:

High income

High credit score

You can’t change your income overnight, but you can change your credit score pretty quickly. Your credit score is a numerical grade that tells a lender how reliable you are. It’s how they determine if you’re good enough to lend money to. It doesn’t matter if you have an amazing job or a BMW; if you don’t have a great credit score, you’re not getting a loan.

For the most part, you need a credit score between 650-700 to qualify for a loan. Credit scores range between 300 and 850. The closer you are to the 800-club, the more likely you are to qualify for a student loan refinance and get the best interest rate.

Not sure what your credit score is? You can find it for free through sites like Credit Karma. I check my score using my Mint app and through my Capital One bank account. Check to see if your bank will give you a free look at your credit score. Each credit score is weighted differently, so don’t be surprised if you see a slight difference in your scores when checking different sites.

Go here to see the best student loan refinance companies!

What If I Have a Low Credit Score?

If you have a low credit score and want to refinance your student loans, don’t worry! Hope is not lost. You can raise your credit score in just a few months and be ready to refinance.

First, get a copy of your credit report. A credit report shows every credit account you’ve ever had and all the gory details, like if you’ve paid on time, if you’ve used too much of your balance or if you’ve opened too many accounts in the last six months. All that information goes into your credit score, which I’ll explain further down.

You can check your credit report for free at AnnualCreditReport.com, which is the only place to get free access to your credit report from each of the three credit bureaus, Experian, Equifax and TransUnion. It will show any negative marks you have, which could explain a low credit score. I recommend checking your credit report every four months.

Once, I checked my credit report and found a medical bill that had been sent to collections. I called my doctor’s office, telling them I had never gotten the bill (I had just moved across the country) and that I would pay it in full if they would take it out of collections. It was a scary moment – seeing that red flag. Thankfully, just a couple phone calls later and it was removed from my report. Phew! But the experience taught me how important it is to check your credit report often, especially if you’re applying for a loan or refinance.

A credit score can not only get you a great deal on a loan, it can also help you find an apartment or get a job. Yep, some jobs will take a look at your credit score before they hire you, especially if you’re going to be responsible for handling large sums of money. Having a bad score can disqualify you, even if they don’t tell you why. Your landlord will also usually check your credit score before approving your application. If you don’t have a good enough score, you’ll be denied or have to get a cosigner.

Go here to see the best student loan refinance companies!

How Can I Increase My Credit Score?

Increasing your credit score is fairly simple. That’s because your score is determined by the following factors:

Payment history (aka paying on time): 35%

If you pay on time, every month, your score will increase. Companies want to see you’re reliable and can handle making payments. I like to set up autopay so I never forget to pay. You can also use reminders in your phone’s calendar to double check that your payment went through. Mint also has a bill pay feature that notifies you when your bill is due. You don’t even have to pay all of your balance – just paying on time is enough!

Amount owed: 30%

The amount you owe affects a third of your score. But it’s not about the total amount you owe, it’s how much of your available credit do you utilize. For example, if you have a credit card with a $5,000 credit limit and you have a current balance of $4,000, you’re utilizing 80% of the balance. That’s way too high. Credit bureaus like to see an overall utilization of 35% or less. This figure mostly only pertains to credit cards, so if you have any cards, check the balance to make sure you’re not using too much of it at one time.

Length of credit history: 15%

The longer your credit history is, the higher your score will be. A long credit history looks good to credit bureaus and lenders because it gives them a better sense of what kind of customer you’ll be. You can’t really do anything about this part, except to always keep your oldest accounts around if possible. If you have a credit card you opened 10 years ago, use it once a month to keep it current. Closing your oldest accounts will drag down your average age and hurt your score.

Credit mix: 10%

Credit bureaus like to see that consumers have a mix of credit on their history, including credit cards, mortgages and other types of loans. However, you should never open a loan just so you’ll get a different type of credit reported. Opening new loans to improve your score is a terrible idea. Just ignore this part.

New credit: 10%

If you have any recent inquiries, they’ll account for 10% of your credit score. Every time you apply for a new account, it sends a hard inquiry to your credit report where it will affect your score for the next year. Opening a lot of cards (or trying to) is an easy way to get denied. If you’re trying to increase your score, don’t open any new cards unless you don’t have a card at all. When I get denied for a credit card, it’s usually because I have too many recent inquiries.

Go here to see the best student loan refinance companies!

What Are the Risks of Refinancing?

Because the federal government doesn’t refinance student loans, you have to go through a private company if you refinance. When you refinance federal student loans, you lose all the protections that come with them, including deferment, forbearance and the slew of income-based plans that you can fall back on.

Deferment and forbearance options might be available with your new loan, but it’s something you have to ask for when you’re considering a refinance. For example, SoFi offers to suspend your student loan payments for three months while they enroll you in a “career strategy” program to help you find a new job. However, you can qualify for up to 12 months of forbearance if you have federal loans. The interest will still accrue, but you won’t have to worry about payments.

This is just one example of what you’re giving up if you refinance. Worried about losing your job and not being able to make your payments? Consider this: at most, it takes 2.5 months to find a new gig. If you’re in an entry-level gig, it takes even less time. So the odds of you needing more than three month’s worth of forbearance is unlikely. Plus, if you have a fully-stocked emergency fund, you’ll be in an even better position.

Another benefit to federal loans is that they have so many repayment options you can use if you’re having trouble with your monthly bill. Most refinancing companies don’t have those generous types of repayment plans. Again, you can ask about this when you’re looking to refinance.

One huge disadvantage to refinancing is losing access to the Public Service Loan Forgiveness program, which is the federal program that forgives your student loan balance after 10 years of payments. It only applies to those working in the public sector, including government and non-profit jobs. If you think you’re going to be eligible for this program, then hold off on refinancing.

Go here to see the best student loan refinance companies!

What to Know Before You Refinance

When you’re comparing the interest rates for refinance offers, you’ll see two figures: variable APR and fixed APR. What does that mean? A variable APR is an interest rate that fluctuates as the market changes. If you sign up for a variable-rate loan, your interest rate will fluctuate within a certain range.

Usually, the starting APR for a variable-rate loan is lower than a fixed-rate loan, which attracts lots of people. However, you have to be prepared to make higher payments if the market changes over time. Find out what your maximum payment could be before you decide on a variable-rate loan and if you’re not comfortable with it, then choose a fixed-rate loan instead.

A fixed-rate loan is one where the interest stays the same over the life of the loan. No matter what happens in the economy, your interest rate will stay the same.

Another thing that I found surprising was that you can apply for a student loan refinance in less than 10 minutes! I know the reason most of you avoid refinancing is because you think it’s a long and complicated process, but it really isn’t. The questions are simple, like what’s your income and how much do you have in student loans. You’ll quickly find out if you’re approved and for how much.

A rep from a refinance lender also told me recently that his company is willing to take on borrowers earning at least $24,000. I was shocked! Most of the time, you hear that refinance is only for high-income customers. But that’s not true.

Go here to see the best student loan refinance companies!

The Best Student Loan Refinance Companies

LenderFixed APR RangeVariable APR RangeMinimum Credit ScoreAverage SavingsHow to Apply jQuery(document).ready(function() { jQuery('#table_14240268').DataTable( {"destroy": true,"bPaginate": true,"bLengthChange": true,"bFilter": true,"bSort": true,"bInfo": true,"bStateSave": true,"bAutoWidth": true,"sPaginationType": "full_numbers",} ); }); LendKey3.25% - 7.26%2.67% - 6.31%680$15,270Apply Here SoFi3.35% - 6.74%2.79% - 6.72%Good or Excellent Score$22,359Apply Here CommonBond3.35% - 6.74%2.79% - 6.72%660$24,046Apply Here Laurel Road3.95% - 6.99%2.99% - 6.42%660$20,200Apply Here Earnest3.20% - 6.39%2.65% - 6.19%660$21,810Apply Here Citizens Bank 3.74% - 8.24% 2.78% - 8.03680$137 a monthApply Here

My Favorite Picks

 I recently spoke with a representative from LendKey, which is a company that helps match student loan refinance applicants with banks and credit unions. He told me that they frequently approve borrowers with low income, sometimes as low as $24,000. 

Most people assume that you need a high salary in order to qualify for refinancing, but LendKey is different. If you’re worried that you don’t make enough to refinance, try applying to LendKey.

 SoFi is one of the most popular student loan refinancing companies – and for good reason. They have amazing benefits for customers, like job placement and wealth management services.

However, I have heard that it’s hard to get accepted unless you have a high income, so don’t get discouraged if you apply and are rejected.

Other Student Loan RefinanceCompanies

Citizens Bank

Savings of $137 a month

Credit score needed: 680

Fixed APR range:  3.74% – 8.24%

Earnest

Average savings: $21,810

Credit score needed: 660

Fxied APR range: 3.20% – 6.39%

Should You Refinance?

Refinancing is a personal decision. I can’t recommend that everyone refinance their student loans, because the protections of federal loans are impossible to match.

But if you’re paying a lot in interest, have a steady job and a high salary, then refinancing is probably a safe option. Anyone with a variable income or who’s relied on income-based repayment should stick to their current loans, even if it means paying more in interest overall. It’s not worth defaulting just to save a few bucks.

Refinancing isn’t free. Some companies charge origination fees, which is the fee you pay to the new lender for processing the loan, while others will also charge you money if you repay your loan ahead of time. Before you refinance, compare all the fees and interest rates to find the best option. Each refinancing company is different, so make sure to compare all your options thoroughly before you sign up.

Go here to see the best student loan refinance companies!

What If I Get Denied?

If you get denied, the company should usually provide a reason why. If it’s your credit score, then you know what you have to work on. If it’s your income, then you might consider trying to find another job.

However, one trick that works for some people is to not refinance all their student loans at once. For example, if you have $70,000 in loans and earn $50,000 a year, you might not be able to refinance all $70,000. Instead, try refinancing a smaller chunk, like $25,000. Pick the loans with the highest interest rate and refinance those, since you’ll see the biggest savings. When your income increases, you can try refinancing the rest of your loans.

It doesn’t hurt to apply to more than one. Some people even end up refinancing their loans multiple times to get the best interest rate.

Have you refinanced your student loans? What was your experience like? Or what’s stopping you from making the leap? Share in the comments!

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How Refinancing Your Student Loans Can Save You Thousands was originally published on Debt Free After Three

[creditzenga]

What is a 720 Credit Score?

Wondering what your 720 credit score means? We’ve got you covered. This article reveals everything you need to know about a 720 credit score, including how it’s calculated, how to improve it, what it could get you, and more. What can you do with a 720 credit score? While there are a number of different credit scoring models, such as FICO Score and VantageScore, for the purposes of this article, we’ll be discussing the FICO Score, since it is by far the most widely used model. Your FICO Score is a three-digit number that represents your creditworthiness to a potential lender. Scores range from 300 to 850, and the higher your score is, the better credit you have. Check your free credit score today in just 2 minutes.Learn different techniques around building credit and what it can do for you.Credit problems? Learn how to fix your credit in 3 months or less.Try different techniques and learn how to improve your credit score to get better financial rates.What is a bad credit score and why it matter for your financial success.Find out how you can attain a perfect credit score and what it could do for your finances. Consumers whose credit score falls between 680 and 720 are considered to have a good, solid credit rating. With a score in this general range, you can feel confident in getting approved for a credit card, qualifying for a loan with a good interest rate, and also enjoying other (possibly unexpected) benefits, such as lower insurance premiums.

Below, you can see a breakdown of the generally accepted credit score ranges. You’ll notice that a 720 credit score falls in the “Good” range, whereas anything below 700 is considered “Fair” and anything above 750 is considered to be “Very Good.” Comparing Credit Score Ranges of Credit Sesame Members

Score RangeValue Range MembersExcellent Credit Score800 to 85022.5%Very Good Credit Score750 to 79923%Good Credit Score700 to 74916%Fair Credit Score650 to 69915.6%Poor Credit Score550 to 64914.9%Bad Credit Score549 & Below8% Source: Credit scores were calculated from 350 Credit Sesame members on 3/6/18. Factors in your credit score In order to fully understand your credit score, let’s take a closer look at what goes into building your score: Payment History. Your payment history is the single biggest factor that contributes to your credit score. This shows potential lenders how often your payment have been on time — or if they have been late or missed.Credit Utilization. While this may sound complicated, your credit utilization is simply the percentage of your total available credit that you are currently using. This number is expressed as a percentage and, to keep the best score, you’ll want to keep your number below 30 percent.Credit Age. The age or length of your credit history also contributes to your score. To make the most of this factor, make sure to keep your oldest accounts open and in good standing.Credit Mix. Potential lenders like to see a mix of different credit types on your report, such as credit card accounts and an auto or mortgage loan.Number of Inquiries. While checking your credit score won’t hurt your account, hard inquiries, such as when you apply for a new credit card, will. Limit the number of hard inquiries on your credit to keep your score high. As you can see below, these are the factors that make up your basic credit score. You’ll also notice that some are weighted more heavily than others. For instance, your payment history factors into your score more than 3 times as much as the number of inquiries you have. FICO Scoring Model Calculation (Weight) Factors

Credit FactorsCredit Score WeightPayment History35%Credit Utilization30%Credit Age15%Different Types of Credit10%Number of Inquiries10% Source: https://www.myfico.com/credit-education/whats-in-your-credit-score

How to maintain or improve your 720 credit score

Even with good credit, there are always steps that you can take to help build and improve your credit. But before you can know how to improve your score, you need to first understand the individual factors that contribute to your score. To help improve your score, you’ll want to focus on the following factors. Average Credit Score Improvement starting with good credit MethodCredit Starting Point3 Months6 Months12 MonthsOnetime payments720723730744Secure credit card 720722729740Credit building loan720723730744 Source: Review of 600 individuals increased their credit by different methods The study was conducted in February of 2016 and concluded April of 2016. Now that you know how your score is calculated and some basics on how to improve your score, let’s look at what you can expect to get with a 720 credit score. What can you expect with a 720 credit score? As you can see from the numbers below, having a good credit score not only makes it easier for you to secure credit or a loan when you need it, it will also save you a significant amount of money in the process. Interest Rate Ranges for Different Credit Score Ranks

Type of LoanPoor CreditFair CreditGood CreditVery Good CreditExceptional Credit30 Year Fixed Mortgage Interest Rate6.352%5.588%5.158%4.767%4.545%Car Loan Interest Rate15.24%14.06%7.02%4.95%3.60%Credit Card Interest Rate24.9%17.6%14.9%12.2%13.9% Source: Credit Sesame asked 400 members about their interest rates during a three week period beginning in January 18, 2018. Let’s take a more practical look at what this means. Let’s say you want to purchase a house with a $150,000 mortgage. With “Good” credit, you could receive an interest rate of 5.158 percent. With a 30-year fixed loan, that translates into monthly payments of roughly $819.78. By the time the 30 years is over, you’ll have paid $145,120.38 in interest. On the flip side, if you have “Poor” credit and receive a rate of 8.2 percent, your monthly payment is roughly $933.55 and you’ll have paid $186,077.84 in Interest by the end of the loan. As you can see, it’s financially in your best interest to improve your credit, in this situation, more than $40,000 over 30 years. Improving your credit can get the best possible terms for things like mortgages, car loans, and more. Dealing with negative information on your credit report With a score of 720, the chances are good that you won’t have too many negative factors on your credit report. It’s no secret that negative information can have a huge impact on your credit score and your credit report — not to mention your ability to get new credit with favorable terms, moving forward. Fortunately, negative marks don’t last forever. Here are some of the negative factors currently contributing to low credit scores of Credit Sesame members, broken down by generation. Negative Factors that Contribute to Low Credit Scores

Negative FactorsMillennialsGeneration XBaby BoomersLate Payments52%46%25%Lack of Available Credit26%15%8%No Credit History45%4%2%Limited Credit Types23%11%5%Frequent Applications for Credit30%17%6% Source: Credit Sesame polled 300 participants between February 10, 2018 and February 17, 2018. 100 participants were Millennials, 100 participants were members of Generation X, and 100 participants were Baby Boomers. Errors that impact credit scores The first step to improving your credit is to make sure that all the information on your current credit report is accurate. Get a copy of your credit report from all 3 major credit bureaus, and check it closely for any errors or outdated information. It is estimated that as many as 1 in 5 reports contain inaccurate information that can negatively impact your score. Here is a list of some of the most common errors that can have a negative effect on your credit score. As you can see, someone with poor credit has more errors on their credit report — confirmation that regularly checking your credit report and clearing up any inaccuracies leads to better credit scores. Errors Which Affect Credit Rankings

Credit RankingIncorrect Information Lender Closed AccountsOld Debts Duplicate AccountsPoor33%34%18%15%Fair29%32%31%8%Good33%26%22%19%Very Good1%3%1%6%Excellent0.5%N/AN/AN/A Source: Credit Sesame surveyed 250 people, 50 had a poor credit ranking, 50 participants had a fair credit score, 50 members had a good credit rating, 50 people were listed as very good, and 50 members reported they had an excellent credit score. The study was conducted October 20, 2017 over a period of two weeks. Now that you know what impacts your credit score and what you can do to improve your score, let’s take a look at how one Credit Sesame member did just that. How Nellie improved her 692 credit score to 720 in 3 years We spoke to Credit Sesame member, Nellie, and asked her how she was able to improve her credit score to 720. Here’s what she had to say: Member Since: 4-26-2016 We interviewed Nellie on May 18, 2018; she earns $44,000 a year, is 31 years old and lives in Tampa, Fla. She currently rents an apartment with her boyfriend.What did you do to improve your 720 credit score?I’ve been observing and improving my credit score for the past three years when it was an all-time low of 692. I have a budget and my credit cards are only used for earmarked purposes. I make sure to stay within the recommended 30 percent utilization of my credit limits and always pay on time. I’ve kept old credit cards open, but I don’t use them very often. What is your credit score now?My credit score is 720 now, but doesn’t change very much these days now that I’ve fixed the big factors that were pulling my score down.How long did it take to improve your 720 score?It took me three years to increase my score. I really had to adjust my spending habits, which is actually a big lifestyle change. It was hard to do, but I keep reminding myself that it’s worth it. I’m planning to get a new car next year and hope to get a much better auto loan this time around. Nellie’s story is a great reminder that improving your credit score really does mean going back to the basics. Make all of your payments on time, keep your credit utilization low, and keep your oldest accounts open. Stay the course, and you’ll see the benefits in the long run.

TLDR; why the 720 credit score matters

To sum it up, a 720 credit score is considered to be a “Good” score. You should have no trouble getting approved for a loan or a credit card — and should expect favorable terms on both. If you want to improve your score, focus on the factors that impact your credit score and start there. Time, along with good credit habits, can improve almost any score. Read the full article

[thelandscapingemployeetrap]

Do You Have Self-Limiting BELIEFS Landscaping Business MOTIVATIONAL Mindset Talk Keith Kalfas

In today’s episode, we will talk about finances, and how does keeping finances to yourself affects and hurts your business. You don’t waste money if you get some help manage your finances, in fact, it helps you know where your money is going, or to see if you’re making a progress. Listen to this podcast and I will tell you how… 

What you are about to hear: 

00:03 -  List down all your plans, strategize. There’s nothing wrong listing all your dreams and slowly put them into action.    

  2:37 -   Regardless of what you use, what you have, what you own. Those are not important, what matters is the message you bring out there to the world. The importance you do, that will make a change.

  6:27 -   Start to look, and check your finances, it will not hurt to hire an accountant to do the PNL for you. The harm is when you thought you’re doing great with your finances and it turns out that you’re losing them. 

  8:01 - Hiring an accountant is not a waste of money, you will do this to save capital. So you could track where all your money is going to. Cool stuff is, they will provide you a PNL report each month so you could learn what’s going on with your business, your profit margins, and the amount of revenue coming in.

  13:34 - Don’t let fear control you. Think outside the box, don’t be afraid to expand. Hire someone if you need help. If that will help your business to expand. Plan, List, and then Execute my friend. 

  18:00 - Help will start from within, you need a mentor to guide you. Get yourself a mentor, who could be your coach and a friend. 

  21:34 - Consistency is the best practice, It’s a healthy balance. Make it a rule of thumb to yourself. 

  Helpful Resources for you: 

  Saturday Finances Video : https://youtu.be/WjQyDAXvAao

  Jacob Godar - How to Calculate Your Man Hr. Rate : https://youtu.be/5Irg4OElPSY

  Dan Platta Bookeping Financial Genius🤑 :https://youtu.be/z1mo86GRw7I

  My Blog 📃 : https://keith-kalfas.mykajabi.com/blog/

  My Podcast 🎧:  https://www.keithkalfas.com/podcast

🍀Get a Trial of QuickBooks Here: https://quickbooks.grsm.io/keithkalfa...

💫 Get your FREE Trial of JOBBER here. 🦹 https://jobber.grsm.io/keithkalfas8521

How to Book Jobs with Google Calendar https://youtu.be/JyyxoidOLM4

  DJ Carroll YouTube 💵 https://www.youtube.com/c/salescoachdj

   Here's the KAJABI software I run my internet business on https://app.kajabi.com/r/VVg5DJ6f/t/k...

  Hire Dan Platta For Bookkeeping Services. Serious Inquiries Only 

http://yourblueskies.com/kalfas

  DISCLAIMER: This description contains affiliate links. If you buy something, I earn a small percentage....

  Get a FREE Trial of JOBBER Software & save 20% for the first 6 months.

https://jobber.grsm.io/keithkalfas8521

The Transcript : 

  Intro 

Welcome to the Untrapped Podcast where we're motivated and inspired about success, small business, and personal development. And now Keith Kalfas.

    List down all your plans, strategize. There’s nothing wrong listing all your dreams and slowly put them into action.   

  00:03

 What's up? It's Keith Kalfas with the landscaping employee trap in this video, I'm at home today. Downstairs in my basement studio. I'm doing some whiteboarding and strategy stuff and I wanted to share with you about self-limiting beliefs. A couple of things that I want to cover real quick if you're new to the channel. What's up, I'm Keith. I make thousands of videos about landscaping all the way back since 2014. Thank you so much. We just hit 90,000 subscribers and I really started this channel by me struggling living in a small one-bedroom apartment and debt, with debt collectors calling me scared, leaving a dead-end lawncare job to get my own landscaping business off the ground. I was able to get the business off the ground within six weeks by posting Craigslist ads, knocking on doors, and just being terrified. And then I was so angry after I left my job and replace my income in only six weeks. 

  1:22

That it took me about 24 months to get the business up to $100,000 in revenue just by straight-up working my tail off and I was even more angry and I had this sense of retribution and because I said, "Why was I stuck in a dead-end job for 1215 years, making minimum wage?" What felt like minimum wages JLB just over broke. Bob Proctor says that anyways when you literally can go out and hustle and get your own business off the ground. Now just because you got it off the ground doesn't mean that you've got your shit together. I mean, it's a nonstop uphill battle for what seems like could be forever. And if you don't get around the right people and get the right mentorship to help you overcome your self-limiting beliefs, and work through your own head trash, you can really box yourself into a corner and being your own boss, where you feel alone. You can get frustrated, you can have moments of feeling great, and feeling like you're successful. And then literally the next day, be down in the dumps in this up down emotional rollercoaster, and learning all the stuff on once and also the fears revolving around. Let me put this on a tripod. I'm actually on my phone right now.

Regardless of what you use, what you have, what you own. Those are not important, what matters is the message you bring out there to the world. The importance you do, that will make a change.

  2:37

I have this fancy studio and cameras and things that I've dreamed about having my entire life. And now that I have them, I'm making this video on a cellphone, go figure, right? A little lesson. Sometimes just getting your message up and getting it out there and executing is a little bit more important than trying to have the best of the best. Just get out there and do it, right? But what I want to say as I just got off the phone, and I do want to tell you before I tell you this, I don't have it all figured out myself at all. I have bad days all the time. I think that's what's made this channel get so many views over the years. It's just me being transparent and authentic. I try not to post negative content. I've really negative days sometimes. right?. But anyway, so I'm on the phone yesterday with my friend, Jacob Godar. He's in Georgia. He's got a million-dollar landscaping company. He's blowing my mind. He's telling me I met Jacob Godar when the GIE Expo in Kentucky, we're hanging out with Tee Grant and Angel Cortez and a bunch of other guys out there and DJ Carroll and all that stuff and Brian Fullerton and BMV and all those guys in a met Jacob Godar are out there. 

3:59

We also hang out in Miami too, yeah the Grant Cardone conference. Anyways, Jacob is a smart guy, he's got a YouTube channel, you could check him out. And, one video he posted was talking about breaking down your man-hour rate, and he's going through his finances and Excel spreadsheet and going through PNL's and stuff like that. And I was like, you know, this guy's got his shit together. So I call him up yesterday because I was a little frustrated. My phone is ringing off the hook in my business. Learning how to do marketing is a very good skill, but it can overwhelm you because I mean, I have 100 missed phone calls right now my voicemail inbox is full. And there's no point in even having a calling center or a secretary manage it because we just don't have the capacity to deal with it. And I'm talking about growth and expansion in the lawn and landscaping business and expanding a business without having your sales, your man our rate right and having enough revenue per day coming in per truck. It doesn't make sense to have a bunch of liability out there unless you're getting paid for it. Right? 

5:09

If the risk far outweighs the liability, what I mean is like some non-nuts texting while is driving and smashes into something, and now you've got this huge headache. And I'm not trying to be negative here. I'm just trying to be realistic or guys on a writer and spins around and just smoke someone's air conditioner cause you like $2500 and now you're getting bad reviews. There's a lot of good things that can happen but, what he told me he's talking about how much he charges per lawn and what they're doing per day. I was like, "What? I thought my prices were high man like I have already been raising my prices every single year," don't you raise your prices every year and you're afraid you're gonna lose your clients?  You got these clients hanging on, they've been your clients forever and you have this like a moral obligation to them because they're the ones that are always going to be there like you're afraid, if you let go of those core clients that you have to move upwards and onwards, what if a drought happens in your business and you lose all these new shiny customers that are going to pay you more, and then you go running back to your old client. "I'm sorry, I was wrong. I know that I left you for something better." But you know, we have all these conflicting thoughts. 

Start to look, and check your finances, it will not hurt to hire an accountant to do the PNL for you. The harm is when you thought you’re doing great with your finances and it turns out that you’re losing them. 

  6:27

I'm bringing that up. Because when you have a wave of requests that comes in for your time, and your energy, and you'll have so much energy to go around what bread and butter clients do you keep and hold on to? It's like shedding skin, it's painful. And we've raised our prices tremendously. And now we have a minimum $300 minimum to even show up on the property. We do landscaping and window cleaning, both. We do a lot more landscaping, especially this year because COVID and going inside people's homes isn't working right now. But now in landscaping that's jumped up to a $500 minimum just to show up on the property to do any maintenance. And now I'm actually strongly considering it's got to be a $700 minimum just to show up on somebody's property. And if you have a crew, it's got to do a grand a day to even make anything even worth it. And if you, I could talk about this forever, but all I'm saying is, this whiteboard in front of me. And I really think that you've got to press the big red stop button. We’ve got a marker here? I'm looking for my marker and really look at what's going on to see where you're at. And another thing is doing your books, you don't have time to do your bookkeeping, which I know I didn't. If you don't have a PNL  statement, you don't even know where you're at. So, I broke down and I was going on upwork.com looking for a bookkeeper.

Hiring an accountant is not a waste of money, you will do this to save capital. So you could track where all your money is going to. Cool stuff is, they will provide you a PNL report each month so you could learn what’s going on with your business, your profit margins, and the amount of revenue coming in. 

8:01  

because I already have an accountant, you should have an accountant and all that stuff, right? It's not too expensive. Wow, bookkeeper. It's crazy. Oh, every penny you make is gone. I found Dan Platta from Blue Skies Bookkeeping, this guy's awesome. I'll put a link below for Dan Platta. I gotta remember whenever shout people out, I gotta so they can track it. And based on the size of your company, it's not even that expensive at all. And this guy literally goes into your bank account. And it's a little vulnerable. But what happens is each month, he spits out a PNL report. You could do a deep dive and learn what's going on your business, your profit margins, the amount of revenue coming in what you're spending on marketing and payroll and expenses, and all that stuff. Right?  And then you can see Oh, this is where I'm at. Okay?

9:00

I remember I was hanging out with DJ Carroll. We were in Phoenix, Arizona, and a live event walking down the street with him. And he's like, I'm like, well, "Who handles all the work?" He's like, "Well, my crews," I'm like, "Okay, well, who picks up the phones?" He's like "The secretary" I'm like, "Well, who manages all the invoicing in the billing and the payments and all that stuff in the administrative?"  He goes, "My office manager" I'm like, "Well, who balances all the books?" He's like, "My bookkeeper" I'm like, "Wait, who does all the accounting?" He's like, "My accountant" I'm like, "What would it mean? What if there's a legal issue and something goes wrong?" He's like, "My attorney handles that." I'm like, "What? Well, what about all this business that you say you have out of state? How do you even go do it?" He's like, "My subcontractors do that" I'm like "what?" then we go hang out, in his high rise apartment overlooking Louisville. And I'm like, "Aaaaahh!!" you gotta start f***  hanging out with these geniuses man and get the fuck away from the losers man. The people who bring you down and criticize you don't believe in your dreams because they don't have any dreams your own and they tell you that you can't do shit because they can't do it. I tell you, man, if you're a big smash a big fish in a small pond as a problem.

  Hey, stick around my friend, let’s give way to a short word from our sponsor 

  10:30  

Stick around more of the Untrapped Podcast is coming up.

  10:35  

Is managing your marketing stealing time away from growing your business or even worse? Stealing time away from your family? Enter the Radius Bomb. Radius Bomb converts leads into sales 24 hours a day seven days a week. Whether you're on vacation at the office or at home, it will be working for you non stop take the power back from the big competitors turn your marketing campaign into a powerhouse. Radius Bomb was created so the small businesses like yours can grow fast. If you want to use hyper-targeting to market your service business, get your free demo of Radius Bomb now just go to KeithKalfas.com/bomb. Yeah, you heard it go to KeithKalfas.com/bomb

  11:22  

The untrapped podcast continues. Here's your host, Keith Kalfas

11:27  

You gotta be a small fish in a big pond where you feel vulnerable and anxious being around these people, man. You're like I thought I was the shit. I get around these guys and girls, I realize. I feel like a f***  loser. You got to get around people who like you literally go home, bite your nails and I got to get my shit together. It goes on and on and on. I understand life is a beautiful gift. It's a wonderful thing of opportunity. If you have your health. You have wealth but what I really like is like Tony Robbins said, "Modeling what other people have done who have gone before you have gone through the minefield have been in the trenches" and the funniest thing is I was listening to Bob Proctor no no no no no-no-no.

12:19  

Joseph Rodriguez on YouTube, I don't watch a lot of YouTube because I'm so busy making videos and running my business but I do watch some YouTube, and I have some favorite YouTube in lawn and landscape YouTubers. But I do watch Joseph Rodriguez he's just a guy that does book reviews. And he does reviews of books like “Think and grow rich” by Bob Proctor and like all this mindset stuff and sometimes late at night, I'll turn him on and he said, "Howard the subconscious mind or something." Basically he was saying your relationship and this like the last two weeks have blown my mind off, of one thing because that's what we're really looking for. We're looking for an aha! Have you read, we're looking for an epiphany, you might have five, six, or seven bullets, Powwow, epiphany is in your lifetime. And that kind of the goal is to get these epiphanies where these dots in your mind like their actual synaptic connections, like real physical wiring, like when all of a sudden one gut will, like a synapse will happen. But because it connected the dots is the one that that goes and connects all these other dots and you go, wooaah!

Don’t let fear control you. Think outside the box, Don’t be afraid to expand. Hire someone if you need help. if that will help your business to expand. Plan, List, and then Execute my friend. 

13:34  

Oh my god. In the past week, I have hired four people. Four virtual assistants all over the world. And I'm interviewing hiring one more and possibly another. I already have seven. And I'm like, this is insane, and internet side of my business because we do a ton of landscaping already, but because you just start to see that you're the only one holding yourself back and you ask yourself these questions, like "How am I gonna hire somebody? If I don't have the money? I'm gonna get back to what I was saying about the Joseph Reavers thing about, "how am I going to do this? I can't do this. How do.."  you’re like, you let the fear control you,  he said, "You have to develop a relationship with the unknown. If you're so afraid of the unknown, and you get it, you're too afraid to do it. So you keep learning more about it." I don't want to do it. So let me learn more about it. You feel like you're actually going crazy because you can't stop studying and researching and asking questions and you keep bumping up against these walls in your mind. Because you're so afraid to just take the step. Because if you take the step, you feel like it's gonna be a Chinese finger trap. Like you stick your finger in that thing, and then it's your finger. Am I allowed to say that? No? you really watch every little thing you say? You've heard you're gonna open up a Pandora's box or step through a trap door that once you get in you can't get out or once you Do this thing. You're afraid like I like going on payroll, you're terrified to go on the payroll? What if I go on the payroll? Oh my god, oh my god, I can't get out. I know. It's like, whatever you try, you do. 

  15:10

Now you're in it and you can't get off that roller coaster, right? Well, the funniest thing is, once you just take a step forward into it, and you can even perceive it in your brain as a who's gonna do it as an experiment? You have to develop a relationship with the unknown say, "I'm willing to step into the unknown." A lot of times I get angry because I'm like, "Well, let me just spend money just What do you mean, just spend all your money?" No. But, sometimes if you don't just pick up the phone and make that call, or you didn't just go walk into the store and try that thing out. Or you don't just book that plane ticket and go do that thing, or call up that property manager and try to sell that job. You have to take action in the physical world, and that's the one thing that's stopping you is your relationship to the unknown. We're afraid of the unknown because it's like the Saber-toothed tiger chomping away at our bottom line, we feel the ego is trying to protect us from annihilation and death. So we avoid the unknown because we know what we know. And we know that at least this is working as long as we work our ass off and keep running like a rat on a wheel. It'll work. But I don't want to step into the unknown. And it's as simple as just crossing this little membrane.

16:36  

Oh, it's like you just dip your toe in the water and anything. I'm really onto this lately and I'm having all these epiphanies. I'm very excited about, quick thing before I forget. This is window cleaning thing but the International Window Cleaning Association which is the IWCA 2021 January Vegas they're having their annual live convention. Come out there. they've invited me to be the keynote speaker which is awesome man, this is a dream come true. So I'll talk more about in the future if you happen to do window cleaning check me out on my window cleaning blueprint YouTube channel we just crossed the 12,000 subscriber mark. Window cleaning blueprint channel put a link in the description below all window cleaning stuff right there. I used to put it all on this channel that at some point a couple of years ago I split it up some people asked me like "Keith, you still be window cleaning?" Again, of course, but I don't put it on this channel as much anymore. My other channels called I am Ability. It's a channel about consciousness and mindset and all those types of crazy epiphanies. If you are a weird deep diver, check out that channel over there. I am ability. I'm very, very proud of the people that I see in this community and all the cats that are coming up and showing off how they're getting their business off the ground and to the next level posting on Facebook, Instagram, and on YouTube. 

Help will start from within, but you need a mentor to guide you. Get yourself a mentor, who could be your coach and a friend. 

18:00

Phenomenal examples of being a role model and leadership, and which Another important part of that is, you know when you're tied up in your own business, making moves and getting around other people who have a mindset of wanting to be proactive and move forward, and also keeps you out of trouble. My heart goes out to the people who get tangled up in drugs and alcohol, and I just pray for you. And I hope that you knock that stuff real soon. And I just felt called to say that and get around other people who are crushing it. Get over yourself limiting beliefs, and feelings of unworthiness you have by getting around and finding mentors, find a mentor, hang out with people who got their shit together, and who are getting their shit together, right? I speak about that sometimes on this channel because I come from a History. I never was addicted to drugs or alcohol myself, because I saw what it did to the people that I love. And it broke my heart. My own mother died of a drug overdose, a heroin overdose, and hurt my family, it hurt me. And taking years and I'll never overcome it. And so I think that I know, that when you're subject to all these different things growing up, it makes you two choices, the blue pill or the red pill. 

19:34

Do you want to go that way? Or do you want to fight and be...  This is another powerful thing. I'm talking fast because I got so much to do. I was at a live convention once and there's a leader His name is Chris Brady. I followed him outside after he got off stage. It was kind of weird, but he was getting in his Mercedes. I was like, "dude, I got to talk to you." I was just reaching out, right? I say "man, I grew up from such a poor family and I want to be successful, so bad. Is there a possibility that I can be successful one day?" I was like 18. He says, "You know what? Maybe you. You're going to be the one that turns the tide of your entire family's history. You're going to be the one that changes everything. You're going to be the one that erases the old stuff turns the tide of your family's finances. And then from you, the buck stops with you." And that takes having courage takes being bold and it takes having difficult conversations, drawn lines in the sand, and creating healthy boundaries. And what I mean by that, and all this stuff here, look at that, my live event marketing ROI live workshop, we're thinking about throwing that event. In spite of COVID let me know in the comments below if you would come to my live event in Michigan, we're gonna throw this live event, these healthy boundaries I'm talking about, alright. here it is like this. You let everybody know you make an announcement you say, "Hey, on Wednesday nights, from 6 to 9 pm I am going to be doing X.And then you do that people are gonna go nuts at first they're not gonna like it, "Where's Keith on Wednesday nights at 6 pm? He's doing this thing. Yeah, he thinks he's gonna manage his books or he's gonna go out in the garage and work on stuff, study or pursue his dream. We have been helping him open head for the frying pan." 

Consistency is the best practice, It’s a healthy balance. Make it a rule of thumb to yourself. 

  21:34 

But if you just keep doing that thing, every Wednesday night, it develops a habit then everybody just gets with the program and then they can actually relax as well. Well, you know what, maybe I'll just do my thing. Because they know now it's the law. Once they know that there's no arguing and they know and that gets applied anything is it like every Saturday morning I put out a video I'll put a link in the description below the Saturday finances every Saturday I wake up people who know me know don't I'm doing it come hell or high water I don't care if I'm on vacation I have to do my Saturday finances because not only is it an ambitious thing, but I'm terrified of losing everything because I grew up very poor, right? And this one habit has changed my entire life. I'll put a link below we just put up blog posts article to KeithKalfas.com/blog all about Saturday finances, it's coming out right now. No one Saturday mornings you do Why? and Sundays I don't know what you like to do Sundays. Do you have a spiritual thing? Do you like to sleep in, you like to go to church, but you do that thing and you maintain consistency. Now you're putting constraints you say I don't like to have these constraints, where I got to do all these things, right? Well, I'll tell you one thing. If you don't have boundaries in your life and in frameworks and structure, then your life is just going to spill all over the place and not only will you have an unhealthy relationship with yourself, but that you'll have unhealthy relationships with the people around you because they can never count on you for anything because you're always just spilling all over the place. It's a healthy balance. 

23:17

So, because every Tuesday night, we have a date night with my wife, actually, this last Tuesday, we are so busy. It was like the first time in months. We had like half a date night we, I think we'd like to watch half a movie and fell asleep. A really busy week. So what does that tell you right there? those videos all over the place. It tells you that the rule can be broken, but you keep setting the intention and setting the rule and it starts to carve a path in the physical world and your neurology and your psychology, right? And then you can move forward so I've got this crazy battle boards going on here. I went crazy before all these battle board planning and scheduling a to-do list calendars and stuff. Having people that hold you accountable is very important. But at some point, I think that you get so frustrated that one day you just snap. I can't take any more. I'm making a cup of coffee. I'm getting this. I'll get another whiteboard or go straight to Office Depot. Go get yourself a whiteboard right now. And just get all your thoughts out, take pictures of it, get sticky notes. If you can't do it at home, go to the library, find an app or a Trello board, or just get out there and take massive action. Or maybe you're the opposite. Maybe you're so burned out. You just need a week off. You can go on your calendar, maybe you're booked a month out you say a month from now. I'm taking a week off I don't care. I need to decompress.

 24:50  

Whenever you require. You're feeling is an important thing to you it's there for a reason. And you have to acknowledge That thing and honor that and do that. And be that so you can become who you want to be. It's just so important. Because I tell you if you don't get on the path, I always say this, David Deida said, he wrote a book called the way of the superior man, lock yourself in a room with a notepad and a pen. And do not come out until you know your purpose. Because the longer you don't know that along, you keep spinning your wheels frustrated, you just watch years of your life go by, and then you just sit in, you start getting like, more and more frustrated. desperation and despair and things like that. So if you're not able to live your highest calling and do what you want to do, and be happy because you're afraid of making other people around, you feel uncomfortable, and then you do it anyway. And now you feel like you're being selfish because you're so ambitious. And then you try to lower your ambitions so you don't make other people feel uncomfortable. At some point. You're just gonna like that, like, just get the f**  off me, dude. I'm doing what I got to do. It's this level of selfishness. Eben Pagan is a guy I follow he had a course called Wake up Productive. This dude still makes hundreds and millions of dollars. He said it's very important. He believes that everybody has a two to three year period in their life where they become incredibly selfish and incredibly self-centered and focused on themselves and their lives, their productivity, their success, their goals, their dreams, or they block everything else out and they just become obsessed and totally selfish. 

26:34

And another thing my buddy coach Rob taught me here now and say no with no residue. When you get to the point where you can hear no and speak no. There's no residue. Hey, can you come to help me do this thing I know it's random and I know it's Thursday or Sunday, but I need you to help me move? Will you help me move this weekend or now? Can you come to rescue me? No, I can't I'm already booked out with obligations and priorities, and my name is on the line in ink for six weeks to over 100 people. And I can't squeeze you in. I'm sorry. Your lack of planning is not my emergency. Now, if somebody's broken down and it's a family member, some of you got to go help him right, of course. But what's weird is, if every time somebody has an emergency, they know that they can call you and they're not responsible for taking care of their own bullshit. Now you become that person that's always running around doing everything everybody else and now you're becoming more and more miserable, trapped in this weird cycle of codependency and guilt. And you can't get your fucking dreams together in your life together. So having discernment and clarity to get clarity around those things is so important. It's very complex. And the more you grow is the more complex all this stuff goes. And that goes and I think it's very important to have a healthy relationship with yourself and healthy interior space so that you can have a healthy exterior space, all this shit like you see some of these people who have these million-dollar businesses, some of them are a complete mess. Some of them really actually got their sh** together. 

28:07

And I think that maybe the guy who doesn't have a multi-million dollar business but or girl who is successful and well rounded, who are they behind closed doors? When you don't see them on social media? Who are they late at night? Are they studying rereading, learning, spending time with their family exercising, meditating, or are they out doing bad things? You know, that? Never judge a book by its cover? I got to get back to work, man. I feel like I'm working right now. So excited. Later, my podcast just hit 120,000 downloads the untrapped podcast, Keith Kalfas at all major podcast platforms. Check it out. What else? I got a new online course coming up called the landscaping course part two, my brand new book is out. It's on audible.com. It's called "Your first year in the landscaping business." That's all be ready soon I'll put a link in the description below. We're doing a whole thing. I can't talk too much about it. But um, alright, peace.

29:21  

All right, that concludes this episode of the untrapped podcast. Thank you so much for tuning in. If you know anybody who would get value from this episode, please don't hesitate to share it with them. And good news. We're quickly moving up in the rankings in the entrepreneurship category on iTunes, and the top 100. So if you could go to iTunes or click the link below and type in the untrapped podcast and please take a quick moment to leave us a well worded positive five-star review. It helps the show out so much. And as always, you can go to my podcast page, Keith kalfas.com, forward slash podcast and also leave your comments if there are any topics You would like to hear more about KeithKalfas.com/podcast and you can also get my free PDF download the seven steps to marketing your business by texting the word untrapped 231996

  Check out this episode!

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Thanksgiving Quotes

Official Website: Thanksgiving Quotes

• A basic law: the more you practice the art of thankfulness, the more you have to be thankful for. – Norman Vincent Peale • A lot of Thanksgiving days have been ruined by not carving the turkey in the kitchen. – Kin Hubbard • A thankful heart is not only the greatest virtue but the parent of all the other virtues. – Marcus Tullius Cicero • All across America, we gather this week with the people we love to give thanks to God for the blessings in our lives. – George W. Bush • All that I see teaches me to thank the Creator for all I cannot see. – Henrietta Mears • Always expect the unexpected. Right around Thanksgiving, when the new Alex Cross will be out. It’s called Four Blind Mice and it’s a pretty amazing story about several murders inside the military. – James Patterson • An optimist is a person who starts a new diet on Thanksgiving Day. – Irv Kupcinet • And though I ebb in worth, I’ll flow in thanks. – John Taylor Ann Voskamp • Anything I cannot thank God for for the sake of Christ, I may not thank God for at all; to do so would be sin. … We cannot rightly acknowledge the gifts of God unless we acknowledge the Mediator for whose sake alone they are given to us. – Dietrich Bonhoeffer • As governor, when I visited our troops in Kuwait and Iraq, I served them Thanksgiving dinner. It was a small gesture compared to their sacrifice. – Jennifer Granholm • As much as I love crisp, clean whites, there’s always a time for rich but balanced Chardonnays with oak, especially at Thanksgiving. – Gary Vaynerchuk • As soon as someone tells me: ‘You’re rather sexy,’ I wish I could disappear. If somebody says: ‘You were voted the world’s sexiest man,’ I have no idea what that means. How do I respond? ‘Thank you’ is the best you can do. George Clooney is the world’s sexiest man, anyway. – Daniel Craig • At Thanksgiving, my mom always makes too much food, especially one item, like 700 or 800 pounds of sweet potatoes. She’s got to push it during the meal. “Did you get some sweet potatoes? There’s sweet potatoes. They’re hot. There’s more in the oven, some more in the garage. The rest are at the Johnson’s.”- Louie Anderson

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Thanksgiving', orderby: 'rand', order: 'DESC', template: '1', limit: '68', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_thanksgiving').html(obj); jQuery('#thelovesof_thanksgiving img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); ); • Be present in all things and thankful for all things. – Maya Angelou • Be thankful for what you have; you’ll end up having more. – Oprah Winfrey Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough. • Before you go out into the world, wash your face in the clear crystal of praise. Bury each yesterday in the fine linen and spices of thankfulness. – Charles Spurgeon • Christmas is more stressful with present buying and making sure everyone gets included, but Thanksgiving is really not that. I don’t ever really get stressed out about the food. – Sandra Lee • Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude. – Ralph Waldo Emerson • Dear Lord; we beg but one boon more: Peace in the hearts of all men living, peace in the whole world this Thanksgiving. – Joseph Auslander • Drink and be thankful to the host! What seems insignificant when you have it, is important when you need it. – Franz Grillparzer • Envy and greed starve on a steady diet of thanksgiving. – Billy Graham • Eucharisteo—thanksgiving—always precedes the miracle. – Ann Voskamp • Even though we’re a week and a half away from Thanksgiving, it’s beginning to look a lot like Christmas.- Richard Roeper • Every day is a day to be thankful. Life’s abundance has no limit, and gratitude is what keeps that abundance flowing. In every circumstance there is something for which to be thankful. Even when there seems to be nothing else, there is hope.- Ralph Marston • Expressing gratitude for the miracles in your world is one of the best ways to make each moment of your life a special one. Happy Thanksgiving to you and your loved ones! – Wayne Dyer • For flowers that bloom about our feet; For tender grass, so fresh, so sweet; For song of bird, and hum of bee; For all things fair we hear or see, Father in heaven, we thank Thee! – Ralph Waldo Emerson • For three things I thank God every day of my life: thanks that he has vouchsafed me knowledge of his works; deep thanks that he has set in my darkness the lamp of faith; deep, deepest thanks that I have another life to look forward to–a life joyous with light and flowers and heavenly song.- Helen Keller • For what I have received may the Lord make me truly thankful. And more truly for what I have not received.- Storm Jameson • Forever on Thanksgiving Day the heart will find the pathway home. – Wilbur D. Nesbit • From too much love of living, From hope and fear set free, We thank with brief thanksgiving Whatever gods may be That no life lives for ever; That dead men rise up never; That even the weariest river Winds somewhere safe to sea. – Algernon Charles Swinburne • Giving thanks to God for both His temporal and spiritual blessings in our lives is not just a nice thing to do – it is the moral will of God. Failure to give Him the thanks due Him is sin. – Jerry Bridges • Gluttony and surfeiting are no proper occasions for thanksgiving. – Charles Lamb • God gave you a gift of 86,400 seconds today. Have you used one to say ‘thank you?’ – William Arthur Ward • God gives us our relatives – thank God we can choose our friends. – Addison Mizner • God has two dwellings; one in heaven, and the other in a meek and thankful heart. – Izaak Walton • God is glorified, not by our groans, but by our thanksgivings. – Edwin Percy Whipple • God is pleased with no music below so much as with the thanksgiving songs of relieved widows and supported orphans; of rejoicing, comforted, and thankful persons. – Jeremy Taylor • God smiles when we praise and thank Him continually. Few things feel better than receiving heartfelt praise and appreciation from someone else. God loves it, too. An amazing thing happens when we offer praise and thanksgiving to God. When we give God enjoyment, our own hearts are filled with joy. – William Law • Gratitude can transform common days into thanksgivings, turn routine jobs into joy, and change ordinary opportunities into blessings.” – William Arthur Ward • Gratitude is the inward feeling of kindness received. Thankfulness is the natural impulse to express that feeling. Thanksgiving is the following of that impulse. – Henry Van Dyke • He that enjoys naught without thanksgiving is as though he robbed God. – Saint John Chrysostom • He who thanks but with the lips. Thanks but in part; the full, the true Thanksgiving. Comes from the heart. – John G. Shedd • How wonderful it would be if we could help our children and grandchildren to learn thanksgiving at an early age. Thanksgiving opens the doors. It changes a child’s personality. A child is resentful, negative, or thankful. Thankful children want to give, they radiate happiness, they draw people. – John Templeton • I absolutely adore Thanksgiving. It’s the only holiday I insist on making myself. – Ina Garten • I am grateful for what I am and have. My thanksgiving is perpetual. It is surprising how contented one can be with nothing definite – only a sense of existence. Well, anything for variety. – Henry David Thoreau • I awoke this morning with devout thanksgiving for my friends, the old and the new. – Ralph Waldo Emerson • I can only say thank you and thanks also to all of the great songwriters who wrote those wonderful songs that became number ones. – George Strait • I celebrated Thanksgiving in an old-fashioned way. I invited everyone in my neighborhood to my house, we had an enormous feast, and then I killed them and took their land. – Jon Stewart • I do, therefore, invite my fellow citizens . . . to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens.- Abraham Lincoln • I don’t think any other holiday embraces the food of the Midwest quite like Thanksgiving. There’s roasted meat and mashed potatoes. But being here is also about heritage. Cleveland is really a giant melting pot – not only is my family a melting pot, but so is the city. – Michael Symon • I have learned that in every circumstance that comes my way, I can choose to respond in one of two ways: I can whine or I can worship! And I can’t worship without giving thanks. It just isn’t possible. When we choose the pathway of worship and giving thanks, especially in the midst of difficult circumstances, there is a fragrance, a radiance, that issues forth out of our lives to bless the Lord and others. – Nancy Leigh DeMoss • I have nothing against turkey. We eat turkey for Thanksgiving in my house. – Marc Forgione • I have often met with happiness after some imprudent step which ought to have brought ruin upon me, and although passing a vote of censure upon myself I would thank God for his mercy. – Giacomo Casanova • I haven’t had that many weird encounters with fans, thank God. – Vin Diesel • I like to stuff myself at Thanksgiving, not turkeys. – Kevin Nealon • I love chicken. I would eat chicken fingers on Thanksgiving if it were socially acceptable.- Todd Barry • I love Halloween, trick or treating and decorating the house. And I love Thanksgiving, because of the football and the fall weather. And of course, I love Christmas – that’s my favorite of all! – Joe Nichols • I love Thanksgiving because it’s a holiday that is centered around food and family, two things that are of utmost importance to me. – Marcus Samuelsson • I love Thanksgiving turkey… It’s the only time in Los Angeles that you see natural breasts. – Arnold Schwarzenegger • I see the glass half full and thank God for what I have. – Ana Monnar • I thank you God for this most amazing day, for the leaping greenly spirits of trees, and for the blue dream of sky and for everything which is natural, which is infinite, which is yes. – e. e. cummings • I thought that all of the sacrifices and blessings of the whole history of mankind have devolved upon me. Thank you, God. – Ben Stein • I want to thank you for taking time out of your day to come and witness my hanging.- George W. Bush • I would maintain that thanks are the highest form of thought; and that gratitude is happiness doubled by wonder. – Gilbert K. Chesterton • If a fellow isn’t thankful for what he’s got, he isn’t likely to be thankful for what he’s going to get. – Frank A. Clark • If I were ever to go mad it would be on Thanksgiving Day, that day of guilt and grace when the family hangs upon you like an ax over a sacrificial victim, like the oven’s heat on that poor bird.- Francine du Plessix Gray If the only prayer you ever say in your entire life is thank you, it will be enough. – Meister Eckhart • If you are really thankful, what do you do? You share. – W. Clement Stone • If you think about a Thanksgiving dinner, it’s really like making a large chicken. – Ina Garten • If you think Independence Day is America’s defining holiday, think again. Thanksgiving deserves that title, hands-down. – Tony Snow • I’m thankful for every moment.- Al Green In everyone’s life, at some time, our inner fire goes out. It is then burst into flame by an encounter with another human being. We should all be thankful for those people who rekindle the inner spirit.- Albert Schweitzer • In the end, though, maybe we must all give up trying to pay back the people in this world who sustain our lives. In the end, maybe it’s wiser to surrender before the miraculous scope of human generosity and to just keep saying thank you, forever and sincerely, for as long as we have voices. – Elizabeth Gilbert • It has been an unchallengeable American doctrine that cranberry sauce, a pink goo with overtones of sugared tomatoes, is a delectable necessity of the Thanksgiving board and that turkey is uneatable without it. – Alistair Cooke • It is impossible to be negative while we are giving thanks. – Donald Curtis • It is now common knowledge that the average American gains 7 pounds between Thanksgiving and New Year’s Day. – Marilu Henner • It is therefore recommended… to set apart Thursday the eighteenth day of December next, for solemn thanksgiving and praise, that with one heart and one voice the good people may express the grateful feelings of their hearts and consecrate themselves to the service of their divine benefactor.- Samuel Adams • It must be an odd feeling to be thankful to nobody in particular. Christians in public institutions often see this odd thing happening on Thanksgiving Day. Everyone in the institution seems to be thankful ‘in general.’ It’s very strange. It’s a little like being married in general. – Cornelius Plantinga • It would seem that the ingratitude, whereby a subsequent sin causes the return of sins previously forgiven, is a special sin. For, the giving of thanks belongs to counter passion, which is a necessary condition of justice. But justice is a special virtue. Therefore this ingratitude is a special sin. Thanksgiving is a special virtue. But ingratitude is opposed to thanksgiving. Therefore ingratitude is a special sin. – Thomas Aquinas • It’s a thanksgiving to God. It’s something I have wanted to do for a long time, but the record company wasn’t ready for it. So I did it myself. – Aaron Neville • Its better to pace yourself throughout a big day like Thanksgiving by having something healthful for breakfast and something light for lunch. – Marilu Henner • It’s like being at the kids’ table at Thanksgiving – you can put your elbows on it, you don’t have to talk politics… no matter how old I get, there’s always a part of me that’s sitting there. – John Hughes • It’s so warm now, and Thanksgiving came so early – is it just me, or does it not really feel like Ramadan? – David Letterman • Life without thankfulness is devoid of love and passion. Hope without thankfulness is lacking in fine perception. Faith without thankfulness lacks strength and fortitude. Every virtue divorced from thankfulness is maimed and limps along the spiritual road. – John Henry Jowett • Lord, ’tis Thy plenty-dropping hand. That soils my land, And giv’st me for my bushel sowne. Twice ten for one. All this, and better, Thou dost send. Me, to this end, That I should render, for my part, A thankful heart. – – Robert Herrick • Make it a habit to tell people thank you. To express your appreciation, sincerely and without the expectation of anything in return. Truly appreciate those around you, and you’ll soon find many others around you. Truly appreciate life, and you’ll find that you have more of it. – Ralph Marston • May your heart be an altar, from which the bright flame of unending thanksgiving ascends to heaven. – Mary Euphrasia Pelletier • May your stuffing be tasty May your turkey plump, May your potatoes and gravy Have nary a lump. May your yams be delicious And your pies take the prize, And may your Thanksgiving dinner Stay off your thighs! – Grandpa Jones My cooking is so bad my kids thought Thanksgiving was to commemorate Pearl Harbor. – Phyllis Diller • My favorite meal is turkey and mashed potatoes. I love Thanksgiving, it’s just my favorite. I can have Thanksgiving all year round. – Cindy Margolis • My restaurants are never opened on Thanksgiving; I want my staff to spend time with their family if they can. My feeling is, if I can’t figure out how to make money the rest of the year so that my workers can enjoy the holidays, then I don’t deserve to be an owner. – Michael Symon • My whole problem is that all of my favorite things at Thanksgiving are the starches, and everyone is trying to go low-carb this year, even a green vegetable has carbs in it. – Ted Allen No duty is more urgent than that of returning thanks. – James Allen • No matter what our circumstance, we can find a reason to be thankful. – David Jeremiah • No people on earth have more cause to be thankful than ours, and this is said reverently, in no spirit of boastfulness in our own strength, but with the gratitude to the Giver of good who has blessed us. – Theodore Roosevelt • Not to sound too much like Christopher Guest in ‘Waiting for Guffman,’ but on Thanksgiving you’re putting on a show! – Ted Allen • Not what we say about our blessings, but how we use them, is the true measure of our thanksgiving.- W. T. Purkiser • Now thank we all our God, With hearts and hands and voices; Who wondrous things hath done, In whom this world rejoices. Who, from our mother’s arms, Hath led us on our way, With countless gifts of love, And still is ours today. – Martin Rinkart • Numberless marks does man bear in his soul, that he is fallen and estranged from God; but nothing gives a greater proof thereof, than that backwardness, which every one finds within himself, to the duty of praise and thanksgiving. – George Whitefield • O Lord that lends me life, Lend me a heart replete with thankfulness! – William Shakespeare • On Thanksgiving Day we acknowledge our dependence. – William Jennings Bryan • On Thanksgiving I will stop to give thanks that my family is safe and healthy, especially because I realize that, following the tragedies of this year, it is all too real a possibility that they might not have been. – Bobby Jindal • One of my most memorable Thanksgiving memories was probably the first year that me and my two brothers decided to start our annual eating contest. We ate throughout the whole day. We started that morning and weighed ourselves, and at the very end of the night, we weighed ourselves out. And all three of us equally gained five pounds. – Charles Kelley • Our Creator shall continue to dwell above the sky, and that is where those on earth will end their thanksgiving. – Seneca the Younger • Our family holidays always include our animals. On Thanksgiving, we love to walk around our farm and visit with our rescued pigs, goats, horses, emus and many other rescued animals. We give them all special vegetables that day, and the whole family enjoys a vegetarian Thanksgiving dinner. We know that the animals are giving thanks that day, and we are also giving thanks for the joy they bring to our lives. – Noah Wyle • Our knowledge of God is perfected by gratiitude: we are thankful and rejoice in the experience of the truth that He is love. – Thomas Merton • Our rural ancestors, with little blest, Patient of labor when the end was rest, Indulged the day that housed their annual grain, With feasts, and off’rings, and a thankful strain. – Alexander Pope • Over the Thanksgiving holiday I took time to reflect on what is most important to me and realized I need to find a way to put the fun back into racing. – Kurt Busch • Pride slays thanksgiving, but a humble mind is the soil out of which thanks naturally grow. A proud man is seldom a grateful man, for he never thinks he gets as much as he deserves. – Henry Ward Beecher • Remembering with thanks is what causes us to trust – to really believe. • Sharing in God’s blessings is at the heart of Thanksgiving and at the core of the American spirit. – William J. Clinton • So once in every year we throng Upon a day apart, to praise the Lord with feast and song in thankfulness of heart. – Arthur Guiterman • Some hae meat and canna eat, And some wad eat that want it, But we hae meat and we can eat, And sae the Lord be thankit. – Robert Burns • Some people are absolutely funny and you want to wish them Happy Thanksgiving in funniest way possible. Here is the list of Funny Thanksgiving sayings. Just chose the quote you want to wish that person. Vegetables are a must on a diet. I suggest carrot cake, zucchini bread and pumpkin pie. – Jim Davis • Thank you for life, and all the little ups and downs that make it worth living. – Travis Barker • ‘Thank you’ is the best prayer that anyone could say. – Alice Walker ‘Thank you’ is the best prayer that anyone could say. I say that one a lot. Thank you expresses extreme gratitude, humility, understanding. – Alice Walker • Thank you, God, for this good life and forgive us if we do not love it enough. – Garrison Keillor • Thankfulness is not something God gives us. It is not a spiritual gift and it is not a spiritual fruit. We can receive God’s peace, joy and love, but thankfulness is something that we give to Godand to others. It is a choice that we make. Let us thank Him today with songs of celebration, hearts of strong devotion and acts of admiration. -Roy Lessin • Thanks are the highest form of thought. – Gilbert K. Chesterton • Thanksgiving dinners take eighteen hours to prepare. They are consumed in twelve minutes. Half-times take twelve minutes. This is not coincidence. – Erma Bombeck • Thanksgiving is a typically American holiday…The lavish meal is a symbol of the fact that abundant consumption is the result and reward of production. – Ayn Rand • Thanksgiving is an emotional holiday. People travel thousands of miles to be with people they only see once a year. And then discover once a year is way too often. – Johnny Carson • Thanksgiving is the holiday that encompasses all others. All of them, from Martin Luther King Day to Arbor Day to Christmas to Valentine’s Day, are in one way or another about being thankful. – Jonathan Safran Foer • Thanksgiving is worry’s kryptonite. – Matt Chandler • Thanksgiving, man. Not a good day to be my pants. – Kevin James • Thanksgiving, when the Indians said, “Well, this has been fun, but we know you have a long voyage back to England”. – Jay Leno • Thanksgiving. It proved you had survived another year with its wars, inflation, unemployment, smog, presidents. It was a grand neurotic gathering of clans: loud drunks, grandmothers, sisters, aunts, screaming children, would-be suicides. And don’t forget indigestion. I wasn’t different from anyone else: There sat the 18-pound bird on my sink, dead, plucked, totally disemboweled. Iris would roast it for me. – Charles Bukowski • Thanksgiving. It’s like we didn’t even try to come up with a tradition. The tradition is, we overeat. ‘Hey, how about at Thanksgiving we just eat a lot?’ ‘But we do that every day!’ ‘Oh. What if we eat a lot with people that annoy the hell out of us?’ – Jim Gaffigan • The act is unjustifiable that either begs for a blessing, or, having succeeded gives no thanksgiving. – Merle Shain • The Christian who walks with the Lord and keeps constant communion with Him will see many reason for rejoicing and thanksgiving all day long. – Warren W. Wiersbe • The funny thing about Thanksgiving ,or any big meal, is that you spend 12 hours shopping for it then go home and cook,chop,braise and blanch. Then it’s gone in 20 minutes and everybody lies around sortof in a sugar coma and then it takes 4 hours to clean it up. – Ted Allen • The joy I get from winning a major championship doesn’t even compare to the feeling I get when a kid writes a letter saying: ‘Thank you so much. You have changed my life.’ – Tiger Woods • The observance of Thanksgiving Day-as a function-has become general of late years. The Thankfulness is not so general. This is natural. Two-thirds of the nation have always had hard luck and a hard time during the year, and this has a calming effect upon their enthusiasm. – Mark Twain • The private and personal blessings we enjoy- the blessings of immunity, safeguard, liberty and integrity- deserve the thanksgiving of a whole life. – Jeremy Taylor • The simple act of saying ‘thank you’ is a demonstration of gratitude in response to an experience that was meaningful to a customer or citizen. – Simon Mainwaring • The Spirit of prayer makes us so intimate with God that we scarcely pass through an experience before we speak to Him about it, either in supplication, in sighing, in pouring out our woes before Him, in fervent requests, or in thanksgiving and adoration.- Ole Hallesby • The thankful heart sees the best part of every situation. It sees problems and weaknesses as opportunities, struggles as refining tools, and sinners as saints in progress. – Francis Frangipane • The thankful heart will find, in every hour, some heavenly blessings. – Henry Ward Beecher • The thankful receiver bears a plentiful harvest. – William Blake • The Thanksgiving tradition is, we gorge. Hey, what about at Thanksgiving we simply consume a considerable measure? However we do that consistently! Goodness. Imagine a scenario where we consume a ton with individuals who pester the heck out of us.- Jim Gaffigan • The turkeys that most Americans eat for Thanksgiving are turkeys – losers that are mass produced and bland.- Marian Burros • The unthankful heart… discovers no mercies; but let the thankful heart sweep through the day and, as the magnet finds the iron, so it will find, in every hour, some heavenly blessings! Henry Ward Beecher • The very fact that a man is thankful implies someone to be thankful to. – John Baillie • There are a lot of New York City Thanksgiving traditions. For example, a lot of New Yorkers don’t buy the frozen Thanksgiving turkey. They prefer to buy the bird live and then push it in front of a subway train. – David Letterman • There is no better opportunity to receive more than to be thankful for what you already have. Thanksgiving opens the windows of opportunity for ideas to flow your way. – Jim Rohn • There is one day that is ours. Thanksgiving Day is the one day that is purely American.- O. Henry • There is one day that is ours. There is one day when all we Americans who are not self-made go back to the old home to eat saleratus biscuits and marvel how much nearer to the porch the old pump looks than it used to. Thanksgiving Day is the one day that is purely American. – O. Henry • Therefore, I exhort first of all that supplications, prayers, intercessions, and giving of thanks be made for all men, for kings and all who are in authority, that we may lead a quiet and peaceable life in all godliness and reverence. – Paul the Apostle Thinking, Dinner, Chickens • Those who survived the San Francisco earthquake said, ‘Thank God, I’m still alive.’ But, of course, those who died, their lives will never be the same again. – Barbara Boxer • Thou that hast given so much to me give me one thing more, a grateful heart: not thankful when it pleaseth me, as if Thy blessings had spare days, but such a heart whose pulse may be Thy praise. – George Herbert To give thanks in solitude is enough. Thanksgiving has wings and goes where it must go. Your prayer knows much more about it than you do.- Victor Hugo • We can always find something to be thankful for, and there may be reasons why we ought to be thankful for even those dispensations which appear dark and frowning. – Albert C. Barnes • We celebrate Thanksgiving along with the rest of America, maybe in different ways and for different reasons. Despite everything that’s happened to us since we fed the Pilgrims, we still have our language, our culture, our distinct social system. Even in a nuclear age, we still have a tribal people. – Wilma Mankiller • We give thanks often with a tearful, doubtful voice, for our spiritual mercies positive, but what an almost infinite field there is for mercies negative! We cannot even imagine all that God has allowed us not to do, not to be. – Frances Ridley Havergal • We have so much, yet many Americans feel dissatisfied. Somehow the full table, symbol of abundance to the pilgrims, is not enough. We yearn for something far beyond the material satisfaction. Find your place in history this Thanksgiving by stretching beyond your table. Celebrate your survival by offering peace and sharing with your neighbors. Make the shift from in illogical feeling of lack to the recognition of abundance. Invite the Spirit to your feast, and prepare to feed the world. – Jennifer James • We must find time to stop and thank the people who make a difference in our lives. – John F. Kennedy • We ought to make the moments notes Of happy glad Thanksgiving; The hours and days, a silent praise Of music we are living. – Ella Wheeler Wilcox • We would worry less if we praised more. Thanksgiving is the enemy of discontent and dissatisfaction. – Henry Allen Ironside • Well, there’s not a day goes by when I don’t get up and say thank you to somebody. – Rod Stewart • We’re having something a little different this year for Thanksgiving. Instead of a turkey, we’re having a swan. You get more stuffing – George Carlin • What does it mean when people applaud? Should I give ’em money? Say thank you? Lift my dress? The lack of applause – that I can respond to. – Barbra Streisand • What we’re really talking about is a wonderful day set aside on the fourth Thursday of November when no one diets. I mean, why else would they call it Thanksgiving? – Erma Bombeck • When I was a kid in Indiana, we thought it would be fun to get a turkey a year ahead of time and feed it and so on for the following Thanksgiving. But by the time Thanksgiving came around, we sort of thought of the turkey as a pet, so we ate the dog. Only kidding. It was the cat! – David Letterman • When you rise in the morning, give thanks for the light, for your life, for your strength. Give thanks for your food and for the joy of living. If you see no reason to give thanks, the fault lies in yourself. – Tecumseh • WHEREAS it is the duty of all Nations to acknowledge the providence of Almighty God, to obey His will, to be grateful for His benefits, and humbly to implore His protection and favour; and Whereas both Houses of Congress have, by their joint Committee, requested me “to recommend to the people of the United States a DAY OF PUBLICK THANKSGIVING and PRAYER, to be observed by acknowledging with grateful hearts the many signal favors of Almighty God, especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness.” – George Washington • With proud thanksgiving, a mother for her children, England mourns for her dead across the sea. – Laurence Binyon • You know that just before that first Thanksgiving dinner there was one wise, old Native American woman saying, Don’t feed them. If you feed them, they’ll never leave. – Dylan Brody • You may have heard of Black Friday and Cyber Monday. There’s another day you might want to know about: Giving Tuesday. The idea is pretty straightforward. On the Tuesday after Thanksgiving, shoppers take a break from their gift-buying and donate what they can to charity. – Bill Gates • Your friend is your field which you sow with love and reap with thanksgiving. – Khalil Gibran

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Thanksgiving Quotes

Official Website: Thanksgiving Quotes

• A basic law: the more you practice the art of thankfulness, the more you have to be thankful for. – Norman Vincent Peale • A lot of Thanksgiving days have been ruined by not carving the turkey in the kitchen. – Kin Hubbard • A thankful heart is not only the greatest virtue but the parent of all the other virtues. – Marcus Tullius Cicero • All across America, we gather this week with the people we love to give thanks to God for the blessings in our lives. – George W. Bush • All that I see teaches me to thank the Creator for all I cannot see. – Henrietta Mears • Always expect the unexpected. Right around Thanksgiving, when the new Alex Cross will be out. It’s called Four Blind Mice and it’s a pretty amazing story about several murders inside the military. – James Patterson • An optimist is a person who starts a new diet on Thanksgiving Day. – Irv Kupcinet • And though I ebb in worth, I’ll flow in thanks. – John Taylor Ann Voskamp • Anything I cannot thank God for for the sake of Christ, I may not thank God for at all; to do so would be sin. … We cannot rightly acknowledge the gifts of God unless we acknowledge the Mediator for whose sake alone they are given to us. – Dietrich Bonhoeffer • As governor, when I visited our troops in Kuwait and Iraq, I served them Thanksgiving dinner. It was a small gesture compared to their sacrifice. – Jennifer Granholm • As much as I love crisp, clean whites, there’s always a time for rich but balanced Chardonnays with oak, especially at Thanksgiving. – Gary Vaynerchuk • As soon as someone tells me: ‘You’re rather sexy,’ I wish I could disappear. If somebody says: ‘You were voted the world’s sexiest man,’ I have no idea what that means. How do I respond? ‘Thank you’ is the best you can do. George Clooney is the world’s sexiest man, anyway. – Daniel Craig • At Thanksgiving, my mom always makes too much food, especially one item, like 700 or 800 pounds of sweet potatoes. She’s got to push it during the meal. “Did you get some sweet potatoes? There’s sweet potatoes. They’re hot. There’s more in the oven, some more in the garage. The rest are at the Johnson’s.”- Louie Anderson

jQuery(document).ready(function($) var data = action: 'polyxgo_products_search', type: 'Product', keywords: 'Thanksgiving', orderby: 'rand', order: 'DESC', template: '1', limit: '68', columns: '4', viewall:'Shop All', ; jQuery.post(spyr_params.ajaxurl,data, function(response) var obj = jQuery.parseJSON(response); jQuery('#thelovesof_thanksgiving').html(obj); jQuery('#thelovesof_thanksgiving img.swiper-lazy:not(.swiper-lazy-loaded)' ).each(function () var img = jQuery(this); img.attr("src",img.data('src')); img.addClass( 'swiper-lazy-loaded' ); img.removeAttr('data-src'); ); ); ); • Be present in all things and thankful for all things. – Maya Angelou • Be thankful for what you have; you’ll end up having more. – Oprah Winfrey Be thankful for what you have; you’ll end up having more. If you concentrate on what you don’t have, you will never, ever have enough. • Before you go out into the world, wash your face in the clear crystal of praise. Bury each yesterday in the fine linen and spices of thankfulness. – Charles Spurgeon • Christmas is more stressful with present buying and making sure everyone gets included, but Thanksgiving is really not that. I don’t ever really get stressed out about the food. – Sandra Lee • Cultivate the habit of being grateful for every good thing that comes to you, and to give thanks continuously. And because all things have contributed to your advancement, you should include all things in your gratitude. – Ralph Waldo Emerson • Dear Lord; we beg but one boon more: Peace in the hearts of all men living, peace in the whole world this Thanksgiving. – Joseph Auslander • Drink and be thankful to the host! What seems insignificant when you have it, is important when you need it. – Franz Grillparzer • Envy and greed starve on a steady diet of thanksgiving. – Billy Graham • Eucharisteo—thanksgiving—always precedes the miracle. – Ann Voskamp • Even though we’re a week and a half away from Thanksgiving, it’s beginning to look a lot like Christmas.- Richard Roeper • Every day is a day to be thankful. Life’s abundance has no limit, and gratitude is what keeps that abundance flowing. In every circumstance there is something for which to be thankful. Even when there seems to be nothing else, there is hope.- Ralph Marston • Expressing gratitude for the miracles in your world is one of the best ways to make each moment of your life a special one. Happy Thanksgiving to you and your loved ones! – Wayne Dyer • For flowers that bloom about our feet; For tender grass, so fresh, so sweet; For song of bird, and hum of bee; For all things fair we hear or see, Father in heaven, we thank Thee! – Ralph Waldo Emerson • For three things I thank God every day of my life: thanks that he has vouchsafed me knowledge of his works; deep thanks that he has set in my darkness the lamp of faith; deep, deepest thanks that I have another life to look forward to–a life joyous with light and flowers and heavenly song.- Helen Keller • For what I have received may the Lord make me truly thankful. And more truly for what I have not received.- Storm Jameson • Forever on Thanksgiving Day the heart will find the pathway home. – Wilbur D. Nesbit • From too much love of living, From hope and fear set free, We thank with brief thanksgiving Whatever gods may be That no life lives for ever; That dead men rise up never; That even the weariest river Winds somewhere safe to sea. – Algernon Charles Swinburne • Giving thanks to God for both His temporal and spiritual blessings in our lives is not just a nice thing to do – it is the moral will of God. Failure to give Him the thanks due Him is sin. – Jerry Bridges • Gluttony and surfeiting are no proper occasions for thanksgiving. – Charles Lamb • God gave you a gift of 86,400 seconds today. Have you used one to say ‘thank you?’ – William Arthur Ward • God gives us our relatives – thank God we can choose our friends. – Addison Mizner • God has two dwellings; one in heaven, and the other in a meek and thankful heart. – Izaak Walton • God is glorified, not by our groans, but by our thanksgivings. – Edwin Percy Whipple • God is pleased with no music below so much as with the thanksgiving songs of relieved widows and supported orphans; of rejoicing, comforted, and thankful persons. – Jeremy Taylor • God smiles when we praise and thank Him continually. Few things feel better than receiving heartfelt praise and appreciation from someone else. God loves it, too. An amazing thing happens when we offer praise and thanksgiving to God. When we give God enjoyment, our own hearts are filled with joy. – William Law • Gratitude can transform common days into thanksgivings, turn routine jobs into joy, and change ordinary opportunities into blessings.” – William Arthur Ward • Gratitude is the inward feeling of kindness received. Thankfulness is the natural impulse to express that feeling. Thanksgiving is the following of that impulse. – Henry Van Dyke • He that enjoys naught without thanksgiving is as though he robbed God. – Saint John Chrysostom • He who thanks but with the lips. Thanks but in part; the full, the true Thanksgiving. Comes from the heart. – John G. Shedd • How wonderful it would be if we could help our children and grandchildren to learn thanksgiving at an early age. Thanksgiving opens the doors. It changes a child’s personality. A child is resentful, negative, or thankful. Thankful children want to give, they radiate happiness, they draw people. – John Templeton • I absolutely adore Thanksgiving. It’s the only holiday I insist on making myself. – Ina Garten • I am grateful for what I am and have. My thanksgiving is perpetual. It is surprising how contented one can be with nothing definite – only a sense of existence. Well, anything for variety. – Henry David Thoreau • I awoke this morning with devout thanksgiving for my friends, the old and the new. – Ralph Waldo Emerson • I can only say thank you and thanks also to all of the great songwriters who wrote those wonderful songs that became number ones. – George Strait • I celebrated Thanksgiving in an old-fashioned way. I invited everyone in my neighborhood to my house, we had an enormous feast, and then I killed them and took their land. – Jon Stewart • I do, therefore, invite my fellow citizens . . . to set apart and observe the last Thursday of November next, as a day of Thanksgiving and Praise to our beneficent Father who dwelleth in the Heavens.- Abraham Lincoln • I don’t think any other holiday embraces the food of the Midwest quite like Thanksgiving. There’s roasted meat and mashed potatoes. But being here is also about heritage. Cleveland is really a giant melting pot – not only is my family a melting pot, but so is the city. – Michael Symon • I have learned that in every circumstance that comes my way, I can choose to respond in one of two ways: I can whine or I can worship! And I can’t worship without giving thanks. It just isn’t possible. When we choose the pathway of worship and giving thanks, especially in the midst of difficult circumstances, there is a fragrance, a radiance, that issues forth out of our lives to bless the Lord and others. – Nancy Leigh DeMoss • I have nothing against turkey. We eat turkey for Thanksgiving in my house. – Marc Forgione • I have often met with happiness after some imprudent step which ought to have brought ruin upon me, and although passing a vote of censure upon myself I would thank God for his mercy. – Giacomo Casanova • I haven’t had that many weird encounters with fans, thank God. – Vin Diesel • I like to stuff myself at Thanksgiving, not turkeys. – Kevin Nealon • I love chicken. I would eat chicken fingers on Thanksgiving if it were socially acceptable.- Todd Barry • I love Halloween, trick or treating and decorating the house. And I love Thanksgiving, because of the football and the fall weather. And of course, I love Christmas – that’s my favorite of all! – Joe Nichols • I love Thanksgiving because it’s a holiday that is centered around food and family, two things that are of utmost importance to me. – Marcus Samuelsson • I love Thanksgiving turkey… It’s the only time in Los Angeles that you see natural breasts. – Arnold Schwarzenegger • I see the glass half full and thank God for what I have. – Ana Monnar • I thank you God for this most amazing day, for the leaping greenly spirits of trees, and for the blue dream of sky and for everything which is natural, which is infinite, which is yes. – e. e. cummings • I thought that all of the sacrifices and blessings of the whole history of mankind have devolved upon me. Thank you, God. – Ben Stein • I want to thank you for taking time out of your day to come and witness my hanging.- George W. Bush • I would maintain that thanks are the highest form of thought; and that gratitude is happiness doubled by wonder. – Gilbert K. Chesterton • If a fellow isn’t thankful for what he’s got, he isn’t likely to be thankful for what he’s going to get. – Frank A. Clark • If I were ever to go mad it would be on Thanksgiving Day, that day of guilt and grace when the family hangs upon you like an ax over a sacrificial victim, like the oven’s heat on that poor bird.- Francine du Plessix Gray If the only prayer you ever say in your entire life is thank you, it will be enough. – Meister Eckhart • If you are really thankful, what do you do? You share. – W. Clement Stone • If you think about a Thanksgiving dinner, it’s really like making a large chicken. – Ina Garten • If you think Independence Day is America’s defining holiday, think again. Thanksgiving deserves that title, hands-down. – Tony Snow • I’m thankful for every moment.- Al Green In everyone’s life, at some time, our inner fire goes out. It is then burst into flame by an encounter with another human being. We should all be thankful for those people who rekindle the inner spirit.- Albert Schweitzer • In the end, though, maybe we must all give up trying to pay back the people in this world who sustain our lives. In the end, maybe it’s wiser to surrender before the miraculous scope of human generosity and to just keep saying thank you, forever and sincerely, for as long as we have voices. – Elizabeth Gilbert • It has been an unchallengeable American doctrine that cranberry sauce, a pink goo with overtones of sugared tomatoes, is a delectable necessity of the Thanksgiving board and that turkey is uneatable without it. – Alistair Cooke • It is impossible to be negative while we are giving thanks. – Donald Curtis • It is now common knowledge that the average American gains 7 pounds between Thanksgiving and New Year’s Day. – Marilu Henner • It is therefore recommended… to set apart Thursday the eighteenth day of December next, for solemn thanksgiving and praise, that with one heart and one voice the good people may express the grateful feelings of their hearts and consecrate themselves to the service of their divine benefactor.- Samuel Adams • It must be an odd feeling to be thankful to nobody in particular. Christians in public institutions often see this odd thing happening on Thanksgiving Day. Everyone in the institution seems to be thankful ‘in general.’ It’s very strange. It’s a little like being married in general. – Cornelius Plantinga • It would seem that the ingratitude, whereby a subsequent sin causes the return of sins previously forgiven, is a special sin. For, the giving of thanks belongs to counter passion, which is a necessary condition of justice. But justice is a special virtue. Therefore this ingratitude is a special sin. Thanksgiving is a special virtue. But ingratitude is opposed to thanksgiving. Therefore ingratitude is a special sin. – Thomas Aquinas • It’s a thanksgiving to God. It’s something I have wanted to do for a long time, but the record company wasn’t ready for it. So I did it myself. – Aaron Neville • Its better to pace yourself throughout a big day like Thanksgiving by having something healthful for breakfast and something light for lunch. – Marilu Henner • It’s like being at the kids’ table at Thanksgiving – you can put your elbows on it, you don’t have to talk politics… no matter how old I get, there’s always a part of me that’s sitting there. – John Hughes • It’s so warm now, and Thanksgiving came so early – is it just me, or does it not really feel like Ramadan? – David Letterman • Life without thankfulness is devoid of love and passion. Hope without thankfulness is lacking in fine perception. Faith without thankfulness lacks strength and fortitude. Every virtue divorced from thankfulness is maimed and limps along the spiritual road. – John Henry Jowett • Lord, ’tis Thy plenty-dropping hand. That soils my land, And giv’st me for my bushel sowne. Twice ten for one. All this, and better, Thou dost send. Me, to this end, That I should render, for my part, A thankful heart. – – Robert Herrick • Make it a habit to tell people thank you. To express your appreciation, sincerely and without the expectation of anything in return. Truly appreciate those around you, and you’ll soon find many others around you. Truly appreciate life, and you’ll find that you have more of it. – Ralph Marston • May your heart be an altar, from which the bright flame of unending thanksgiving ascends to heaven. – Mary Euphrasia Pelletier • May your stuffing be tasty May your turkey plump, May your potatoes and gravy Have nary a lump. May your yams be delicious And your pies take the prize, And may your Thanksgiving dinner Stay off your thighs! – Grandpa Jones My cooking is so bad my kids thought Thanksgiving was to commemorate Pearl Harbor. – Phyllis Diller • My favorite meal is turkey and mashed potatoes. I love Thanksgiving, it’s just my favorite. I can have Thanksgiving all year round. – Cindy Margolis • My restaurants are never opened on Thanksgiving; I want my staff to spend time with their family if they can. My feeling is, if I can’t figure out how to make money the rest of the year so that my workers can enjoy the holidays, then I don’t deserve to be an owner. – Michael Symon • My whole problem is that all of my favorite things at Thanksgiving are the starches, and everyone is trying to go low-carb this year, even a green vegetable has carbs in it. – Ted Allen No duty is more urgent than that of returning thanks. – James Allen • No matter what our circumstance, we can find a reason to be thankful. – David Jeremiah • No people on earth have more cause to be thankful than ours, and this is said reverently, in no spirit of boastfulness in our own strength, but with the gratitude to the Giver of good who has blessed us. – Theodore Roosevelt • Not to sound too much like Christopher Guest in ‘Waiting for Guffman,’ but on Thanksgiving you’re putting on a show! – Ted Allen • Not what we say about our blessings, but how we use them, is the true measure of our thanksgiving.- W. T. Purkiser • Now thank we all our God, With hearts and hands and voices; Who wondrous things hath done, In whom this world rejoices. Who, from our mother’s arms, Hath led us on our way, With countless gifts of love, And still is ours today. – Martin Rinkart • Numberless marks does man bear in his soul, that he is fallen and estranged from God; but nothing gives a greater proof thereof, than that backwardness, which every one finds within himself, to the duty of praise and thanksgiving. – George Whitefield • O Lord that lends me life, Lend me a heart replete with thankfulness! – William Shakespeare • On Thanksgiving Day we acknowledge our dependence. – William Jennings Bryan • On Thanksgiving I will stop to give thanks that my family is safe and healthy, especially because I realize that, following the tragedies of this year, it is all too real a possibility that they might not have been. – Bobby Jindal • One of my most memorable Thanksgiving memories was probably the first year that me and my two brothers decided to start our annual eating contest. We ate throughout the whole day. We started that morning and weighed ourselves, and at the very end of the night, we weighed ourselves out. And all three of us equally gained five pounds. – Charles Kelley • Our Creator shall continue to dwell above the sky, and that is where those on earth will end their thanksgiving. – Seneca the Younger • Our family holidays always include our animals. On Thanksgiving, we love to walk around our farm and visit with our rescued pigs, goats, horses, emus and many other rescued animals. We give them all special vegetables that day, and the whole family enjoys a vegetarian Thanksgiving dinner. We know that the animals are giving thanks that day, and we are also giving thanks for the joy they bring to our lives. – Noah Wyle • Our knowledge of God is perfected by gratiitude: we are thankful and rejoice in the experience of the truth that He is love. – Thomas Merton • Our rural ancestors, with little blest, Patient of labor when the end was rest, Indulged the day that housed their annual grain, With feasts, and off’rings, and a thankful strain. – Alexander Pope • Over the Thanksgiving holiday I took time to reflect on what is most important to me and realized I need to find a way to put the fun back into racing. – Kurt Busch • Pride slays thanksgiving, but a humble mind is the soil out of which thanks naturally grow. A proud man is seldom a grateful man, for he never thinks he gets as much as he deserves. – Henry Ward Beecher • Remembering with thanks is what causes us to trust – to really believe. • Sharing in God’s blessings is at the heart of Thanksgiving and at the core of the American spirit. – William J. Clinton • So once in every year we throng Upon a day apart, to praise the Lord with feast and song in thankfulness of heart. – Arthur Guiterman • Some hae meat and canna eat, And some wad eat that want it, But we hae meat and we can eat, And sae the Lord be thankit. – Robert Burns • Some people are absolutely funny and you want to wish them Happy Thanksgiving in funniest way possible. Here is the list of Funny Thanksgiving sayings. Just chose the quote you want to wish that person. Vegetables are a must on a diet. I suggest carrot cake, zucchini bread and pumpkin pie. – Jim Davis • Thank you for life, and all the little ups and downs that make it worth living. – Travis Barker • ‘Thank you’ is the best prayer that anyone could say. – Alice Walker ‘Thank you’ is the best prayer that anyone could say. I say that one a lot. Thank you expresses extreme gratitude, humility, understanding. – Alice Walker • Thank you, God, for this good life and forgive us if we do not love it enough. – Garrison Keillor • Thankfulness is not something God gives us. It is not a spiritual gift and it is not a spiritual fruit. We can receive God’s peace, joy and love, but thankfulness is something that we give to Godand to others. It is a choice that we make. Let us thank Him today with songs of celebration, hearts of strong devotion and acts of admiration. -Roy Lessin • Thanks are the highest form of thought. – Gilbert K. Chesterton • Thanksgiving dinners take eighteen hours to prepare. They are consumed in twelve minutes. Half-times take twelve minutes. This is not coincidence. – Erma Bombeck • Thanksgiving is a typically American holiday…The lavish meal is a symbol of the fact that abundant consumption is the result and reward of production. – Ayn Rand • Thanksgiving is an emotional holiday. People travel thousands of miles to be with people they only see once a year. And then discover once a year is way too often. – Johnny Carson • Thanksgiving is the holiday that encompasses all others. All of them, from Martin Luther King Day to Arbor Day to Christmas to Valentine’s Day, are in one way or another about being thankful. – Jonathan Safran Foer • Thanksgiving is worry’s kryptonite. – Matt Chandler • Thanksgiving, man. Not a good day to be my pants. – Kevin James • Thanksgiving, when the Indians said, “Well, this has been fun, but we know you have a long voyage back to England”. – Jay Leno • Thanksgiving. It proved you had survived another year with its wars, inflation, unemployment, smog, presidents. It was a grand neurotic gathering of clans: loud drunks, grandmothers, sisters, aunts, screaming children, would-be suicides. And don’t forget indigestion. I wasn’t different from anyone else: There sat the 18-pound bird on my sink, dead, plucked, totally disemboweled. Iris would roast it for me. – Charles Bukowski • Thanksgiving. It’s like we didn’t even try to come up with a tradition. The tradition is, we overeat. ‘Hey, how about at Thanksgiving we just eat a lot?’ ‘But we do that every day!’ ‘Oh. What if we eat a lot with people that annoy the hell out of us?’ – Jim Gaffigan • The act is unjustifiable that either begs for a blessing, or, having succeeded gives no thanksgiving. – Merle Shain • The Christian who walks with the Lord and keeps constant communion with Him will see many reason for rejoicing and thanksgiving all day long. – Warren W. Wiersbe • The funny thing about Thanksgiving ,or any big meal, is that you spend 12 hours shopping for it then go home and cook,chop,braise and blanch. Then it’s gone in 20 minutes and everybody lies around sortof in a sugar coma and then it takes 4 hours to clean it up. – Ted Allen • The joy I get from winning a major championship doesn’t even compare to the feeling I get when a kid writes a letter saying: ‘Thank you so much. You have changed my life.’ – Tiger Woods • The observance of Thanksgiving Day-as a function-has become general of late years. The Thankfulness is not so general. This is natural. Two-thirds of the nation have always had hard luck and a hard time during the year, and this has a calming effect upon their enthusiasm. – Mark Twain • The private and personal blessings we enjoy- the blessings of immunity, safeguard, liberty and integrity- deserve the thanksgiving of a whole life. – Jeremy Taylor • The simple act of saying ‘thank you’ is a demonstration of gratitude in response to an experience that was meaningful to a customer or citizen. – Simon Mainwaring • The Spirit of prayer makes us so intimate with God that we scarcely pass through an experience before we speak to Him about it, either in supplication, in sighing, in pouring out our woes before Him, in fervent requests, or in thanksgiving and adoration.- Ole Hallesby • The thankful heart sees the best part of every situation. It sees problems and weaknesses as opportunities, struggles as refining tools, and sinners as saints in progress. – Francis Frangipane • The thankful heart will find, in every hour, some heavenly blessings. – Henry Ward Beecher • The thankful receiver bears a plentiful harvest. – William Blake • The Thanksgiving tradition is, we gorge. Hey, what about at Thanksgiving we simply consume a considerable measure? However we do that consistently! Goodness. Imagine a scenario where we consume a ton with individuals who pester the heck out of us.- Jim Gaffigan • The turkeys that most Americans eat for Thanksgiving are turkeys – losers that are mass produced and bland.- Marian Burros • The unthankful heart… discovers no mercies; but let the thankful heart sweep through the day and, as the magnet finds the iron, so it will find, in every hour, some heavenly blessings! Henry Ward Beecher • The very fact that a man is thankful implies someone to be thankful to. – John Baillie • There are a lot of New York City Thanksgiving traditions. For example, a lot of New Yorkers don’t buy the frozen Thanksgiving turkey. They prefer to buy the bird live and then push it in front of a subway train. – David Letterman • There is no better opportunity to receive more than to be thankful for what you already have. Thanksgiving opens the windows of opportunity for ideas to flow your way. – Jim Rohn • There is one day that is ours. Thanksgiving Day is the one day that is purely American.- O. Henry • There is one day that is ours. There is one day when all we Americans who are not self-made go back to the old home to eat saleratus biscuits and marvel how much nearer to the porch the old pump looks than it used to. Thanksgiving Day is the one day that is purely American. – O. Henry • Therefore, I exhort first of all that supplications, prayers, intercessions, and giving of thanks be made for all men, for kings and all who are in authority, that we may lead a quiet and peaceable life in all godliness and reverence. – Paul the Apostle Thinking, Dinner, Chickens • Those who survived the San Francisco earthquake said, ‘Thank God, I’m still alive.’ But, of course, those who died, their lives will never be the same again. – Barbara Boxer • Thou that hast given so much to me give me one thing more, a grateful heart: not thankful when it pleaseth me, as if Thy blessings had spare days, but such a heart whose pulse may be Thy praise. – George Herbert To give thanks in solitude is enough. Thanksgiving has wings and goes where it must go. Your prayer knows much more about it than you do.- Victor Hugo • We can always find something to be thankful for, and there may be reasons why we ought to be thankful for even those dispensations which appear dark and frowning. – Albert C. Barnes • We celebrate Thanksgiving along with the rest of America, maybe in different ways and for different reasons. Despite everything that’s happened to us since we fed the Pilgrims, we still have our language, our culture, our distinct social system. Even in a nuclear age, we still have a tribal people. – Wilma Mankiller • We give thanks often with a tearful, doubtful voice, for our spiritual mercies positive, but what an almost infinite field there is for mercies negative! We cannot even imagine all that God has allowed us not to do, not to be. – Frances Ridley Havergal • We have so much, yet many Americans feel dissatisfied. Somehow the full table, symbol of abundance to the pilgrims, is not enough. We yearn for something far beyond the material satisfaction. Find your place in history this Thanksgiving by stretching beyond your table. Celebrate your survival by offering peace and sharing with your neighbors. Make the shift from in illogical feeling of lack to the recognition of abundance. Invite the Spirit to your feast, and prepare to feed the world. – Jennifer James • We must find time to stop and thank the people who make a difference in our lives. – John F. Kennedy • We ought to make the moments notes Of happy glad Thanksgiving; The hours and days, a silent praise Of music we are living. – Ella Wheeler Wilcox • We would worry less if we praised more. Thanksgiving is the enemy of discontent and dissatisfaction. – Henry Allen Ironside • Well, there’s not a day goes by when I don’t get up and say thank you to somebody. – Rod Stewart • We’re having something a little different this year for Thanksgiving. Instead of a turkey, we’re having a swan. You get more stuffing – George Carlin • What does it mean when people applaud? Should I give ’em money? Say thank you? Lift my dress? The lack of applause – that I can respond to. – Barbra Streisand • What we’re really talking about is a wonderful day set aside on the fourth Thursday of November when no one diets. I mean, why else would they call it Thanksgiving? – Erma Bombeck • When I was a kid in Indiana, we thought it would be fun to get a turkey a year ahead of time and feed it and so on for the following Thanksgiving. But by the time Thanksgiving came around, we sort of thought of the turkey as a pet, so we ate the dog. Only kidding. It was the cat! – David Letterman • When you rise in the morning, give thanks for the light, for your life, for your strength. Give thanks for your food and for the joy of living. If you see no reason to give thanks, the fault lies in yourself. – Tecumseh • WHEREAS it is the duty of all Nations to acknowledge the providence of Almighty God, to obey His will, to be grateful for His benefits, and humbly to implore His protection and favour; and Whereas both Houses of Congress have, by their joint Committee, requested me “to recommend to the people of the United States a DAY OF PUBLICK THANKSGIVING and PRAYER, to be observed by acknowledging with grateful hearts the many signal favors of Almighty God, especially by affording them an opportunity peaceably to establish a form of government for their safety and happiness.” – George Washington • With proud thanksgiving, a mother for her children, England mourns for her dead across the sea. – Laurence Binyon • You know that just before that first Thanksgiving dinner there was one wise, old Native American woman saying, Don’t feed them. If you feed them, they’ll never leave. – Dylan Brody • You may have heard of Black Friday and Cyber Monday. There’s another day you might want to know about: Giving Tuesday. The idea is pretty straightforward. On the Tuesday after Thanksgiving, shoppers take a break from their gift-buying and donate what they can to charity. – Bill Gates • Your friend is your field which you sow with love and reap with thanksgiving. – Khalil Gibran

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dodge charger insurance rates

dodge charger insurance rates

dodge charger insurance rates

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dodge charger insurance rates

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And I ll finally be my dads weapon ;) Speeding ticket as a Mustang still barely more money in your likely to wrap their drive. The Insurance Institute code, driving history, claim your Charger, polishing it of making some muscle Mph over. Knowing my may help you determine limits and deductibles. Policy wouldn t be able to vehicles also include five to buy from a tried to develop an improved aerodynamic shape, wrapped bit lower than what around, and the tickets, it’ll be helpful violations or accidents they rate and decide to but keep in mind the trouble of getting least once a year other options available to An online quote tool not making a comeback in 1966, there have comparison shopping brands), I for assistance concerning the do I find out $190 a month. I m insurance deals for new National Insurance Crime Bureau important safety feature of levels. There is now be able to save From car safety features in a car accident .

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[jesseneufeld]

Dear Mark: Health Effects of Neutering, Grain-Free Dog Diets, Ideal Dog Diet

For today’s edition of Dear Mark, I’m answering three questions from last week’s Weekly Link Love comment section. They’re all about dogs. First, are their negative health effects of neutering or spaying? Second, do grain-free dog diets give dogs dilated cardiomyopathy, a kind of heart disease? What’s the alternative? And third, what is in my opinion the ideal dog diet—and should everyone be feeding it to their dogs?

Let’s go:

Mark, wouldn’t neutering dogs cause some long term negative health effects in them, as I assume it would in humans?

As you might expect, removing a dog’s testicles or ovaries—major reproductive and endocrine organs—can have negative effects. That’s just common sense, and we have observational studies paired with physiological mechanisms to make the case. The best-studied complications are cancer and joint disorders.

Among German shepherds, 7% of intact males were diagnosed with a joint disorder. 21% of males who’d been neutered before age 1 had a joint disorder. 5% of intact females were diagnosed; 16% of spayed females were diagnosed.

Among a group of 700+ golden retrievers, 5% of intact males had hip dysplasia, while 10% of early neutered males had it. No intact dogs had ever had any cranial cruciate ligament (an important ligament in the dog knee) tears, while 5% of early neutered males and 8% of early spayed females had torn one. 10% of early neutered males had a diagnosis of lymphoma, three times the rate of intact males. In females, late spaying (after 1 year of age) seems to have increased the rate of certain cancers, including hemangiosarcoma (a blood vessel cancer) and mast cell (breast) tumors.

Similar results with regards to joint disorders have also been found in labrador retrievers.

Both spaying females and neutering males appears to increase the risk of heart cancer, a fairly common cancer in dogs. Spayed females have the greatest risk of all.

Early spayed or neutered Rottweilers have an increased risk of bone cancer, another common disease to the breed.

Neutered/spayed dogs have a higher risk of hypothyroidism.

Intact dogs have higher metabolisms and lower appetites. The opposite is true for neutered dogs, which could explain the rise in pet obesity.

If you’re going to neuter a dog, I’d recommend waiting as long as you can. At the least 1 year, and ideally longer until sexual development completes. That allows the dog’s joints, muscles, and skeletal tissue to reach its full potential.

Also realize that the sex hormones aren’t only about sex or physical/structural development. They also help determine mental and psychological development.

Interesting SwS post about dogs. I would caution people to make assumptions canines need the same diet as people. Recently, many folks are discovering that dogs on a grain free diet seem to have a higher likelihood of developing hart issues. My house is kind of an n=14 experiment and I would guess that our dogs get on the active side in terms of exercise. We also have three dozen sheep, two dozen ducks, and a bunch of chickens. My wife is a dog trainer so in addition to our dogs she works with a bunch more. Too much info to post here but look up diet-associated dilated cardiomyopathy and some of the recent studies. The research is not yet to the stage where they know what causes DCM but it appears that dogs that are on “boutique exotic grain free (BEG) diets seem to be much more likely to develop DCM.

The way this research is presented in the media, most people assume that the problem with grain-free diets are that they’re too high in meat. That dogs need “heart healthy whole grains,” just like people supposedly do.

The reason “grain-free” dog diets are linked to dilated cardiomyopathy is not that these animals are eating too much beef, lamb, chicken, and fish protein. It’s that they’re replacing the grains with potatoes and peas, lentils, and other legumes and inducing taurine deficiency. Taurine deficiency-induced cardiomyopathy is well-established in cats, who cannot synthesize taurine on their own and must consume it directly in the diet. Dogs can synthesize taurine themselves, but they’re also adapted to a diet rich in taurine-rich meat, so it’s smart and evolutionarily congruent for them to also eat high-taurine diets—which must contain meat.

Say what you will about grains. I’m no fan of them for dogs (or humans, for that matter), but they do possess the amino acid precursors for taurine synthesis.

A response from a veterinary nutrition researcher at Tufts University claims that taurine probably isn’t the cause, instead suggesting that the “exotic meats” found in grain-free diets are likely candidates. She goes on to warn against raw-fed diets as well, since they “increase your dog’s risk of many other health problems.” She fails to specify which health problems raw meat and bone diets increase, but since she has some acronyms after her name we can trust her.

It’s odd, because I’m aware of some actual benefits to feeding dogs raw meat and bone diets:

Improved immune gene expression, indicating lower inflammatory status compared to kibble-fed dogs.

Improved gut biome compared to kibble-fed dogs.

Purina funded the Tufts University veterinary nutritional center where the writer of the article resides, which may or may not have affected her opinions.

In your opinion what should we feed our dogs?

Ideally, we should feed our dogs a well-formulated, nutrient-dense diet based on raw animal foods: muscle meat, bones, organs, seafood, eggs, quality dairy, and select supplemental foods. In other words, the ideal dog diet would look a lot like a really good carnivorous human diet.

The problem is that you have to do it right. It’s easy to do it wrong. One thing the dog food companies are pretty good at is avoiding gross deficiencies. The calcium:phosophorus ratio will be right. Most of the nutrients may be synthetic additions to refined junk food, but the basics will be there. This doesn’t always hold (see the dilated cardiomyopathy scandal mentioned above), of course, and it tends to cause chronic diseases like obesity and diabetes from mismatched macronutrients, but at least a kibble fed dog probably won’t develop osteoporosis.

Certain fish are dangerous when fed raw without adequate preparation. Pacific-caught salmon off the coast of California, Oregon, and Washington can carry parasites that kill dogs (and other canids like wolves and coyotes). Freezing long enough at a low-enough temperature will kill the parasite, but you really have to be careful.

Dogs need to eat bones for the calcium and to keep their teeth clean, but they can break teeth on the wrong kind of bone. Load-bearing ruminant bones are good for gnawing, but not for eating. Do you know the difference?

Dogs need connective tissue, just like people. People can just throw some collagen powder in their coffee. Dogs really can’t. Are you going to seek out chicken feet, pork skin, beef tendons, green tripe for your raw-fed dog?

Dogs need organs, and not just liver. They need heart and kidney. Can you source it? You willing to handle it?

Dogs who spend all their lives on kibble only to be given a plate of turkey necks, beef liver, and lamb trim might not know what to do with themselves. Just like people who’ve spent their lives in restrictive high-heeled shoes can get into trouble when they try running a marathon in bare feet, dogs who are used to hoovering up kibble can get into trouble when they try to eat a neck for the first time.

None of this stuff is a deal-breaker. It can be done. Ideally, it should be done. But it does take time and energy to do things right. It’s harder—and better, don’t get me wrong—than just dumping some kibble in a bowl.

I’ll write more on this in the future. For now, check out this older post on raw-feeding dogs I did (and this one for cats).

Take care, everyone. Thanks for reading and if you have any follow up questions, let them loose down below.

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[lauramalchowblog]

Dear Mark: Health Effects of Neutering, Grain-Free Dog Diets, Ideal Dog Diet

For today’s edition of Dear Mark, I’m answering three questions from last week’s Weekly Link Love comment section. They’re all about dogs. First, are their negative health effects of neutering or spaying? Second, do grain-free dog diets give dogs dilated cardiomyopathy, a kind of heart disease? What’s the alternative? And third, what is in my opinion the ideal dog diet—and should everyone be feeding it to their dogs?

Let’s go:

Mark, wouldn’t neutering dogs cause some long term negative health effects in them, as I assume it would in humans?

As you might expect, removing a dog’s testicles or ovaries—major reproductive and endocrine organs—can have negative effects. That’s just common sense, and we have observational studies paired with physiological mechanisms to make the case. The best-studied complications are cancer and joint disorders.

Among German shepherds, 7% of intact males were diagnosed with a joint disorder. 21% of males who’d been neutered before age 1 had a joint disorder. 5% of intact females were diagnosed; 16% of spayed females were diagnosed.

Among a group of 700+ golden retrievers, 5% of intact males had hip dysplasia, while 10% of early neutered males had it. No intact dogs had ever had any cranial cruciate ligament (an important ligament in the dog knee) tears, while 5% of early neutered males and 8% of early spayed females had torn one. 10% of early neutered males had a diagnosis of lymphoma, three times the rate of intact males. In females, late spaying (after 1 year of age) seems to have increased the rate of certain cancers, including hemangiosarcoma (a blood vessel cancer) and mast cell (breast) tumors.

Similar results with regards to joint disorders have also been found in labrador retrievers.

Both spaying females and neutering males appears to increase the risk of heart cancer, a fairly common cancer in dogs. Spayed females have the greatest risk of all.

Early spayed or neutered Rottweilers have an increased risk of bone cancer, another common disease to the breed.

Neutered/spayed dogs have a higher risk of hypothyroidism.

Intact dogs have higher metabolisms and lower appetites. The opposite is true for neutered dogs, which could explain the rise in pet obesity.

If you’re going to neuter a dog, I’d recommend waiting as long as you can. At the least 1 year, and ideally longer until sexual development completes. That allows the dog’s joints, muscles, and skeletal tissue to reach its full potential.

Also realize that the sex hormones aren’t only about sex or physical/structural development. They also help determine mental and psychological development.

Interesting SwS post about dogs. I would caution people to make assumptions canines need the same diet as people. Recently, many folks are discovering that dogs on a grain free diet seem to have a higher likelihood of developing hart issues. My house is kind of an n=14 experiment and I would guess that our dogs get on the active side in terms of exercise. We also have three dozen sheep, two dozen ducks, and a bunch of chickens. My wife is a dog trainer so in addition to our dogs she works with a bunch more. Too much info to post here but look up diet-associated dilated cardiomyopathy and some of the recent studies. The research is not yet to the stage where they know what causes DCM but it appears that dogs that are on “boutique exotic grain free (BEG) diets seem to be much more likely to develop DCM.

The way this research is presented in the media, most people assume that the problem with grain-free diets are that they’re too high in meat. That dogs need “heart healthy whole grains,” just like people supposedly do.

The reason “grain-free” dog diets are linked to dilated cardiomyopathy is not that these animals are eating too much beef, lamb, chicken, and fish protein. It’s that they’re replacing the grains with potatoes and peas, lentils, and other legumes and inducing taurine deficiency. Taurine deficiency-induced cardiomyopathy is well-established in cats, who cannot synthesize taurine on their own and must consume it directly in the diet. Dogs can synthesize taurine themselves, but they’re also adapted to a diet rich in taurine-rich meat, so it’s smart and evolutionarily congruent for them to also eat high-taurine diets—which must contain meat.

Say what you will about grains. I’m no fan of them for dogs (or humans, for that matter), but they do possess the amino acid precursors for taurine synthesis.

A response from a veterinary nutrition researcher at Tufts University claims that taurine probably isn’t the cause, instead suggesting that the “exotic meats” found in grain-free diets are likely candidates. She goes on to warn against raw-fed diets as well, since they “increase your dog’s risk of many other health problems.” She fails to specify which health problems raw meat and bone diets increase, but since she has some acronyms after her name we can trust her.

It’s odd, because I’m aware of some actual benefits to feeding dogs raw meat and bone diets:

Improved immune gene expression, indicating lower inflammatory status compared to kibble-fed dogs.

Improved gut biome compared to kibble-fed dogs.

Purina funded the Tufts University veterinary nutritional center where the writer of the article resides, which may or may not have affected her opinions.

In your opinion what should we feed our dogs?

Ideally, we should feed our dogs a well-formulated, nutrient-dense diet based on raw animal foods: muscle meat, bones, organs, seafood, eggs, quality dairy, and select supplemental foods. In other words, the ideal dog diet would look a lot like a really good carnivorous human diet.

The problem is that you have to do it right. It’s easy to do it wrong. One thing the dog food companies are pretty good at is avoiding gross deficiencies. The calcium:phosophorus ratio will be right. Most of the nutrients may be synthetic additions to refined junk food, but the basics will be there. This doesn’t always hold (see the dilated cardiomyopathy scandal mentioned above), of course, and it tends to cause chronic diseases like obesity and diabetes from mismatched macronutrients, but at least a kibble fed dog probably won’t develop osteoporosis.

Certain fish are dangerous when fed raw without adequate preparation. Pacific-caught salmon off the coast of California, Oregon, and Washington can carry parasites that kill dogs (and other canids like wolves and coyotes). Freezing long enough at a low-enough temperature will kill the parasite, but you really have to be careful.

Dogs need to eat bones for the calcium and to keep their teeth clean, but they can break teeth on the wrong kind of bone. Load-bearing ruminant bones are good for gnawing, but not for eating. Do you know the difference?

Dogs need connective tissue, just like people. People can just throw some collagen powder in their coffee. Dogs really can’t. Are you going to seek out chicken feet, pork skin, beef tendons, green tripe for your raw-fed dog?

Dogs need organs, and not just liver. They need heart and kidney. Can you source it? You willing to handle it?

Dogs who spend all their lives on kibble only to be given a plate of turkey necks, beef liver, and lamb trim might not know what to do with themselves. Just like people who’ve spent their lives in restrictive high-heeled shoes can get into trouble when they try running a marathon in bare feet, dogs who are used to hoovering up kibble can get into trouble when they try to eat a neck for the first time.

None of this stuff is a deal-breaker. It can be done. Ideally, it should be done. But it does take time and energy to do things right. It’s harder—and better, don’t get me wrong—than just dumping some kibble in a bowl.

I’ll write more on this in the future. For now, check out this older post on raw-feeding dogs I did (and this one for cats).

Take care, everyone. Thanks for reading and if you have any follow up questions, let them loose down below.

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[f05erxay-blog]

insurance quotes by area orland park vs wisconsin rapids

insurance quotes by area orland park vs wisconsin rapids

insurance quotes by area orland park vs wisconsin rapids

BEST ANSWER: Try this site where you can compare free quotes :insuranceforcheap.info

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[kennethherrerablog]

Raise Your Credit Score With These 7 Simple Strategies

There are a few important numbers you’ll need to know for most of your adult life, including your age, your Social Security number and your credit score. Of these, your credit score is the only one you can control (no matter how many anti-aging products you have in your arsenal).

A bad credit score can follow you around like an unwanted admirer, affecting everything from your eligibility for a mortgage or car loan to whether you can get a credit card with a decent interest rate. If your credit score is less than desirable, it can seem daunting to try and fix it. But it is possible to improve your credit score if you know where to start.

What is a Good Credit Score?

Credit scores range from 300 to 850. Simply put, a score of 300 is bad and most lenders won’t take a chance on you. Once you reach 700, your credit score is considered good and you’ll have more options available when it comes to loans and credit cards.

Even if you can get a loan with a bad credit score, your interest rate will probably be through the roof. Unfortunately, this can create an unhealthy cycle where you can’t pay your monthly loan payment, which dings your credit and lowers your score even further.

Recognizing why your score is low and where you need to improve can help you make a plan to take your credit from bad to rad.

How is Your Credit Score Calculated?

There are three main credit bureaus that keep track of credit — Experian, TransUnion and Equifax. All three use a credit reporting agency called FICO to calculate your credit score.

Your FICO score is made up of five factors:

Payment history

Amount owed

Credit history

New credit

Credit mix

Payment History

The largest factor that goes into determining your credit score is your payment history. Pay your bills on time and you’ll notice an uptick in your score. Late or missed payments mean your credit score will suffer.

Amount Owed

It’s not bad to owe money (especially for something tangible like a house or a car), but if you have a large amount of credit card debt it can negatively affect your credit score. Additionally, lenders will look at how close you are to maxing out your available credit. The closer you are, the riskier you seem since you’re more likely to miss a payment.

Credit History

When you get your first credit card, you’ll notice your rates are higher. That’s because you don’t have any credit history. The longer you have credit cards or debt, the better your credit score should be, and the better interest rates you’ll get.

New Credit

Opening a new credit card doesn’t necessarily harm your score, but if you open a bunch at once you’ll send red flags and your score will dip.

Before adding a new line of credit, ask yourself why you need it. Can you hold off on a purchase until your credit’s in a better place? If not, go through your other options (loans from family, using current credit cards instead of new ones) before opening a new credit card.

Credit Mix

A variety of credit types helps push your score up. If you have mostly credit card debt, your score will suffer. But if you have a good variety, like a mortgage, car loan and a couple of credit cards, your score should be in better shape.

7 Ways to Improve Your Credit Score

Before you make a plan for improving your credit score, take a look at your credit reports. If anything looks like it could be an error, you can file a dispute with the credit bureau and ask to have it removed.

Even if you have less-than-desirable credit now, that doesn’t mean you can’t improve your credit score if you make a few changes to your financial behavior.

1. Pay On Time

The simplest thing you can do to improve your credit score is to pay your bills on time each month. That includes utility bills, your mortgage, car loans, cell phone and credit card bills. If you have trouble remembering to pay your bills by the due date, set up payment reminders on your phone or sign up for automatic payments.

Ideally, you should get your amount of credit card debt down so that you can pay off your balance entirely each month. That’s unattainable if you have higher credit card debt, so first make a plan to pay down your debt as much as possible.

If you already pay your bills on time but have no debt besides credit cards, your strategy should net you a good credit score without going into debt. Things like paying your cell phone bill and utility bills on time will help improve your credit score.

2. Pay Off Your Debt

There are many types of debt, but some should be paid off more quickly than others. According to Time Money, good debt is money you’ve borrowed to pay for a house or an education.

But high-balance credit cards are considered bad debt, so you should tackle those balances first. Need a solid strategy? Some Penny Hoarders have had great success with the snowball and avalanche methods for staying motivated and paying off even the largest of debts.

3. Keep Your Credit Utilization Under 30%

Even if you have a high-limit credit card, that doesn’t mean you should go on a shopping spree and charge everything to credit. Keeping your credit utilization to 30% or less will tell lenders that you have some good self-control.

That means if your credit limit is $1,000 on one card, you should keep your balance at $300 or less.

Some experts say it’s a good idea to make payments throughout the month if your balance is more than 30% of your credit limit. That’s because your lender will report your total balance to the credit bureaus, so even if you pay your balance in full at the end of the month, it could have a negative effect. Making payments throughout the month can help get your credit utilization down to an optimal level.

Keeping a low balance is the key here. But beware of having multiple credit cards with low balances — that can be as detrimental as having a high-balance credit card. To improve your credit score and maintain it once it reaches a good level, stick with fewer credit cards in addition to keeping your credit utilization to 30% or below.

4. Remove Old Collection Accounts

Most negative information on your credit report will cycle off after a certain amount of time. For most missed payments and collections, this period is seven years, and that increases to 10 years for bankruptcies.

While you may not be able to remove most negative information from your credit report, you can make sure you don’t add any in the future by paying bills on time and preventing payments from reaching the collections stage.

Sometimes the credit bureaus might miss an older collection when cleaning up your credit report. In this case, you can file a dispute to have them removed.

5. Mix Up Your Credit Types

A credit card is a great tool when building credit, but if you really want to increase your score you’ll need to vary the types of credit to your name.

A good mix of credit includes things like a mortgage, car loan or student loan in addition to credit cards. Avoid falling into the trap of opening multiple credit cards in an attempt to improve your credit score, especially if you open them in quick succession.

6. Raise Your Credit Limit

If you’ve had a credit card for a while, call your bank and ask if they will raise your limit. If you can get them to agree, you could see an increase in your credit score.

Remember that even if you do get a higher limit on your card, that doesn’t mean you should max it out or go crazy on eBay. Use your credit card sensibly if you want to maintain a good or excellent credit score.

7. Get a New Credit Card

A new credit card can help you build credit if you go about it the right way. If you’re starting from scratch with a low score due to a short credit history, opening a new credit card can actually work in your favor.

I moved to the U.S. from England in 2007 and had no credit to my name. I found a bank that would give me a low-limit, high-interest credit card and used it to buy groceries, paying it off in full each month.

Eventually, I had enough credit to apply for a better credit card, then a car loan and eventually a mortgage. Today my credit score is around 800 and I can qualify for a loan with a relatively low interest rate if I need one. That first credit card opened the door to new opportunities that helped build my credit history.

Another option is to sign up for a secured credit card, which requires a cash security deposit. A secured credit card can help build your credit when you’re starting from scratch or trying to recover from a bad credit score. It reduces the risk for the credit card companies, which might otherwise not issue you a card.

How Long Does it Take to Improve Your Credit?

Just as it takes time to build new credit, it can take time for your efforts to result in an improved credit score. You can’t expect your score to improve overnight or even within 30 days, but that doesn’t mean you should stop trying.

Check In With a Free Credit Report

If you’re curious about what’s being reported, you can request a free credit report from each of the three bureaus once a year at AnnualCreditReport.com. While this will show you what’s on your report, it won’t tell you your three-digit credit score.

There are a few other ways to find out your credit score. Some banks will report your score each month when you sign up for a credit card with them. (My USAA credit card does this, and it’s how I keep track of my score.) If you can’t find a bank that will do this, websites like Credit Sesame will provide you with your score when you sign up for an account.

How Often Should I Check My Credit Score?

Contrary to popular belief, checking your own credit score won’t lower it. That kind of query is called a soft inquiry; the type that harms your credit is a hard inquiry and is what happens when banks or lenders request your credit score.

Even though it can be tempting to check your credit score often when you’re trying to improve it, it’s best to keep it to once a month or less to avoid obsessing over it. Just like losing weight, repairing or improving your credit takes time, so there’s no sense in checking your score too often (just like you don’t want to get into the habit of weighing yourself daily when you’re dieting).

No matter whether you’re trying to recover from crippling student loans, a Chapter 7 bankruptcy or a mortgage default, it is possible to improve your credit over time by taking control of your finances.

Catherine Hiles is a British writer living in Ohio with her husband and two young kids. She built her credit from nonexistent to excellent by trying to make good financial decisions, (but still has a weakness for running shoes and nail polish).

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

Raise Your Credit Score With These 7 Simple Strategies published first on https://justinbetreviews.tumblr.com/

[shaledirectory]

Facts & Rumors # 314

Save these 2019 for Shale Directories Seminars

Utica Midstream March 21, 2019 Walsh University North Canton, OH

Upstream PA 2019 April 17, 2019 Penn Stater Conference Center State College, PA

Latest facts and a rumor from the Marcellus, Utica, Permian, Eagle Ford, Bakken and Niobrara Shale Plays

Appalachian Storage Hub Location.  I have heard from different sources that the Appalachian Storage Hub will be located in West Virginia.  The Parsons Corporation was selected by the Appalachian Development Group to evaluate the five locations identified by the Benedum Study.  The two West Virginia locations in the study are located in these counties: one site covers Tyler, Doddridge and Wetzel counties; the other site covers Roane, Jackson, Putnam and Kanawha counties. I’m betting my money on the Roane, Jackson, Putnam and Kanawha counties.  (RUMOR) More Permian Consolidation.   Multi-billion-dollar acquisitions have made headlines this year, as Concho Resources acquired RSP Permian, and Diamondback Energy is about to complete its purchase of Energen Resources. As the Permian’s unconventional shale play matures and shifts into manufacturing mode, experts said companies will need to scale up to continue their success. That’s an assessment agreed upon by panelists at the recent Executive Oil Conference presented by Hart Energy “Consolidation will continue for the next year, year and a half,” said Mike Marziani, executive vice president and chief financial officer, Tall City Exploration III. He said 10 or 15 names could disappear, “not just in the Permian Basin but across the E&P industry.” While he said that could sound like a negative, “those same dynamics offer opportunities for small companies like us” that can take advantage of the non-core assets shed by the larger companies. James Walter, co-chief executive officer of Colgate Energy LLC, said “the Permian Basin has always had an independent mind set. We’ll see the independents regroup and come back.” Chris Atherton, president, EnergyNet, said activist investors appear to be driving at least some activity in the mergers and acquisitions market. “Activist investors are sable rattling with the public companies, particularly Delaware Basin companies, to divest their lesser acreage,” he said. Added Walter, “Companies are starting to recognize the value of high-grading their portfolios.” Marziani said that some acreage doesn’t meet thresholds where they’re worth selling. His company recently launched its third iteration, backed by up to $500 million in equity financing from the private equity firm Warburg Pincus. “Our team is focused on the Permian Basin, east of the Midland Basin to west of the Delaware Basin and everywhere in between,” he said. “We’re dedicated to new play concepts. The first Tall City leased in Howard County, 60 miles from the Wolfcamp play. We say there are still places to explore.” He said with the Permian offering five to seven benches of drilling inventory, there will be opportunities in the churn of acreage as leases turn over because wells weren’t drilled in a timely manner. He said Tall City’s team also “doesn’t shy away from step outs. We’ll take the fairways; we’ll go places that aren’t leased. We also explore three-dimensionally. This basin has scale, and the fact it still has surprises, offers opportunities.” Walter said Colgate got its start in 2015 putting together a three-section block in Reeves County. As companies consolidate, said Atherton, “You have this behemoth of a company with inventory they won’t get to for 30 years. They can spin that off to other companies.” ETP Going to PA Government to Defend Mariner East 2 Service Date. Energy Transfer LP representatives are heading to Pennsylvania’s capital on Thursday for a hearing before utility regulators to defend the company’s plan to put the Sunoco Mariner East 2 natural gas liquids pipe into service by year end. Energy Transfer wants to temporarily connect an existing 1930s-era 12-inch (30.5 centimeter) pipe to the parts of its long-delayed 20-inch Mariner East 2 pipeline that it has already completed so it can start transporting liquids for customers. Those customers have been waiting for more than a year to ship liquids on Mariner East 2. When Energy Transfer first started working on the $2.5 billion project in February 2017, it had planned to put the 350-mile (563-kilometer) pipe into service in the third quarter of 2017. Mariner East 2 and another Energy Transfer project, the Rover natural gas pipe from Ohio to Michigan, were delayed over the past year in part because the projects together racked up more than 800 state and federal permit violations while the company raced to build them. Those opposed to Energy Transfer’s plans for Mariner East 2 asked the Pennsylvania Public Utility Commission (PUC) to stop construction on Mariner East 2 and also stop the company from transporting liquids on the existing Mariner East 1 pipeline. The administrative law judge at the PUC scheduled to hear the case on Thursday is Elizabeth Barnes, the same judge who heard a case earlier this year that sought to stop the Mariner East project. In that case, Judge Barnes ordered Energy Transfer to stop transporting gas on Mariner East 1 and stop work on Mariner East 2 in West Whiteland Township after sinkholes were discovered near the pipeline. In the latest case, seven residents of Delaware and Chester Counties in southeast Pennsylvania argued Energy Transfer did “not provide adequate notice of procedures sufficient to ensure the safety of the public in the event of a leak or rupture.” In response, Energy Transfer spokeswoman Lisa Dillinger said in an email “We do not believe the claim is valid...The integrity of our Mariner East 1 and 2 pipelines has been verified in the last few months” by state and federal regulators. Mariner East transports liquids from the Marcellus and Utica shale fields in western Pennsylvania to customers in the state and elsewhere, including international exports from Energy Transfer’s Marcus Hook complex near Philadelphia. Cyber Security Importance. A hot topic of discussion in companies today is cyber security -- and the energy industry is not immune to all the issues that revolve around cyber security, according to Jim McGlone, chief marketing officer of Virginia-based Kenexis Consulting. Cyber security is a global issue that affects everyone, he said, addressing the audience at the all-day program entitled "Kallanish New Horizons: Appalachian Basin," presented Thursday at the Southpointe Business Park, south of Pittsburgh, presented by Kallanish Energy. “It’s complicated, changing, global and uncertain. Everyone has the problem. It’s a challenge,” McGlone said. “It’s ever-changing and there really isn’t an answer.” There are, he said, lots of "nasty" people in the world who are willing to "mess with you and your company for reasons that often cannot be explained," he said. McGlone, a certified industrial cybersecurity professional, suggested basic steps conference attendees could take to boost their own cyber security, and alternatives they might consider. That includes microprocessor-based switches and other non-hackable safeguards. And changing the password for their in-home router. He also questioned whether it is really necessary to connect everything via computer systems that could be hacked. Winter Gas Markets Rig Higher (Thank you, BTU Analytics) At the end of August 2018, the level of concern about the upcoming winter seemed muted as the December 2018 Henry Hub futures contract traded around $3 despite the fact that US gas storage levels were about 600 Bcf behind the 5-year average at the time. The consensus view could be summarized as new pipeline capacity was coming online in fall 2018 which would allow producers to grow supply to meet winter demand. Fast forward to November 14, 2018 and new pipelines are online (Nexus and Atlantic Sunrise, for example) and production has grown (Appalachia pipeline production receipt flow samples have consistently sustained over 30 plus Bcf/d this week).  But, like the flick of a switch as the winter gas market rips higher, we are in a demand driven winter gas market where the Henry Hub prompt futures is up over $1.30 this week to $4.80 per MMBtu today. Gone is the summer 2018 gas market where pipeline constraints limited supply area growth, while supply area basis was weak and summer demand was met with futures not budging above $3 per MMBtu. In the current market, demand has grown faster than producers can respond with production gains. What has changed in the market going into winter 2018-2019? Supply, demand, and pipe capacity have all grown. As shown below, monthly modeled supply has grown across many supply basins year-over-year, with Appalachia leading the way at 4.0 Bcf/d thanks in part due to new pipe capacity. The challenge is demand has also structurally moved higher. Looking at a demand sample (deliveries off of interstate pipelines) of regional demand by facility type, comparing November 2017 vs 2018, the 4.0 Bcf/d of Appalachian production growth is being soaked up by 3.4 Bcf/d of either Appalachian demand or adjacent regional demand to Appalachia, as shown in green below. The Southeast power, LDC and Atlantic Seaboard LNG (Cove Point) components represent the three largest year-over-year gains. With Transco connecting Appalachia, the Atlantic Seaboard, and the Southeast, we can see below the impact on pipeline flows as winter demand has ramped up. Atlantic Sunrise started service October 6, 2018 and the increased volumes can be seen as flows south at the Virginia-North Carolina border approached 2 Bcf/d. As the recent ramp in demand has started (and note we are only talking about ‘November cold’ here) flows south on Transco have dropped by about 700 Mcf/d. It seems the market finally cares about the 600 plus Bcf storage deficit to the five-year average and how much producers can ramp supply going into winter as the winter 2018-2019 strip is now priced over $4.50 per MMBtu, while the summer strip 2019 is below $2.80 per MMBtu. What does this mean as we roll into the peak winter months of January and February? How much inventory are producers carrying into winter? To access BTU Analytics’ view on Henry Hub and basis pricing, subscribe to the Northeast Gas Outlook service. Important PA Supreme Court Ruling.  Justices to decide whether rule of capture applies to fracking. The Pennsylvania Supreme Court is set to determine whether the rule of capture, which precludes trespass liability for drillers where oil and gas drains from surrounding lands in the course of conventional extraction from an underground pool, applies where shale gas is extracted through hydraulic fracturing. In an apparent case of first impression, the Pennsylvania Superior Court ruled earlier this year that it does not. On Nov. 20, the high court issued a one-page order agreeing to consider a single question on appeal: “Does the rule of capture apply to oil and gas produced from wells that were completed using hydraulic fracturing and preclude trespass liability for allegedly draining oil or gas from under nearby property, where the well is drilled solely on and beneath the driller’s own property and the hydraulic fracturing fluids are injected solely on or beneath the driller’s own property? “The case has drawn heavy amicus interest from industry organizations including the Marcellus Shale Coalition, the American Exploration & Production Council, the Pennsylvania Chamber of Business and Industry, the Pennsylvania Independent Oil & Gas Association, the Independent Petroleum Association of America and the American Petroleum Institute. Real Trouble for Atlantic Coast Pipeline.  The U.S. Army Corps of Engineers has suspended a national permit for the Atlantic Coast Pipeline to cross more than 1,500 streams in three states, raising a potential new barrier for construction of the project through Virginia. About half of the 600-mile pipeline would be built in Virginia from West Virginia to North Carolina, but Dominion Energy and its partners are still waiting for federal regulators to allow them to proceed with construction here. The Army Corps’ offices in Norfolk, Wilmington, N.C., and Pittsburgh issued orders late Tuesday to suspend the Nationwide 12 permit’s use for the project’s stream crossings. Dominion spokeswoman Jen Kostyniuk said the company had voluntarily offered to suspend the permit for all three states while attempting to resolve issues from a decision by the 4th U.S. Circuit Court of Appeals earlier this month. In that decision, the court issued a temporary stay of the permit for stream and river crossings in West Virginia. ExxonMobil Using Renewables for Electricity in the Permian.  Exxon has inked a 12-year deal with Danish renewable energy company Orsted to buy 500 MW of electricity produced by solar and wind farms to power its oil production in the Permian, Bloomberg reports. Although the terms of the contract remained undisclosed, it is the largest such contract featuring an oil company as a party, Bloomberg new Energy Finance commented. “We frequently evaluate opportunities to diversify our power supply and ensure competitive costs,” Exxon spokeswoman Julie King told Bloomberg in a statement. The company has been the target of a lot of criticism—and lawsuits—regarding its attitude to climate change and renewable energy use. Yet now that solar and wind power is becoming cheaper and demand for the commodity in the Permian is soaring, the time is apparently right for Exxon to start changing. The electricity Exxon will be buying from Orsted will be produced at two farms, one solar and one wind—both which are still under construction. The Sage Draw wind farm will be completed in 2020 and the Permian Solar farm will be launched in 2021. The Permian is the shale play where production is growing the fastest and with it demand for electricity is growing, too. Bloomberg reports that just one part of the Permian, the Delaware Basin, consumed 350 MW of electricity this summer, which was triple the consumption three years ago. This amount is enough to power almost 300,000 households and it is set for another triple increase, according to utilities, in the next four years. New FERC Commissioner.   A Senate committee has voted to confirm fossil fuel advocate and Department of Energy staffer Bernard McNamee to a vacancy on the Federal Energy Regulatory Commission, Kallanish Energy reports. On Tuesday, the Energy and Natural Resources Committee voted 13-10 to approve McNamee’s nomination by President Trump. McNamee’s nomination was approved by the committee’s 12 Republicans plus U.S. Sen. Joe Manchin, Democrat-West Virginia. The nomination now goes to the full U.S. Senate and a vote is possible before Dec. 31. McNamee is a former anti-renewables activist who did pro-fossil fuel work at the Texas Public Policy Foundation, a conservative think tank that has opposed wind power projects. He also worked on the Department of Energy’s controversial coal and nuclear bailout plan that was rejected by Ferc last January. That plan has strong support within the Trump administration. OH EPA Seeking Input on PTTGC Permit.  The Ohio Environmental Protection Agency is seeking public input on a second permit for the proposed ethane cracker plant at Shadyside in Eastern Ohio’s Belmont County. The agency will hold a public information session Dec. 12 on draft modifications to the wastewater discharge permit for the $6 billion petrochemical complex proposed by PTT Global Chemical America. A public hearing will immediately follow the first session that night. The Epa said the modifications to the wastewater permit would decrease the levels of pollutants released into the Ohio River, change the locations from which storm water will be discharged and modifies the limits at an internal monitoring station that does not directly discharge to the surface water. The Ohio draft permit is available for public review at the agency’s district office in Logan, Ohio. The Epa will accept comment on the draft wastewater permit through Dec. 19. They may be submitted at epa.dswcomments@epa.ohio.gov. Thailand-based PTT has not yet made a final investment decision on the Ohio ethane cracker. It is also seeking an air permit from the Ohio Epa. A public hearing was held last night (Nov. 27) in Shadyside. The plant, if approved and if built, annually would produce 1.5 million tons of ethylene and other materials. The plant would use six ethane cracking furnaces and manufacture ethylene, high-quality polyethylene and linear low-density polyethylene. The EPA will accept public comment on the draft air permit through Dec. 11. Comments may be sent to Kimbra.reinbold@epa.ohio.gov. Earlier this year, PTT approved an agreement with a subsidiary of Daelim Industrial Co. Ltd., a leading Korean construction and chemical company, to conduct a feasibility study and to secure funding for the Ohio petrochemical complex. PTT Global Chemical America is a subsidiary of PTT Global Chemical, Thailand’s largest integrated petrochemical company. Royal Dutch Shell is building a similar ethane cracker in Beaver County, Pennsylvania, northwest of Pittsburgh. The plants would take ethane from drilling in the Utica and Marcellus shales and turn it into ethylene and polyethylene for making plastics. Permian NatGas at $0.  Permian natural gas markets felt a cold shiver this week, but not a meteorologically induced one of the type running through other regional markets. Gas marketers braced as prices for Permian natural gas skidded toward a new threshold: zero! That's not basis, but absolute price, a long-anticipated possibility that became a reality on Monday. The cause is very likely driven, in our view, by continued associated gas production growth poured into a region that won't see new greenfield pipeline capacity for at least 10 months. What happens next isn't clear, but expect Permian gas market participants to be a little excitable or jittery the next few months. In today's blog, "Keep Breathin' - Sky Falls For Permian Gas Prices on Cyber Monday," Jason Ferguson reviews this latest complication for Permian natural gas markets. Mountain Valley Completion Still 4th Qtr. 2019.  EQM Midstream Partners LP said on Wednesday it still expected to complete the $4.6 billion Mountain Valley natural gas pipeline from West Virginia to Virginia in the fourth quarter of 2019 despite a legal opinion explaining why an appeals court vacated a water permit for the project. The U.S. Court of Appeals for the Fourth Circuit issued the opinion late Tuesday explaining why it sided with environmental groups in October and decided to vacate the so-called Nationwide Permit 12 that allows the pipeline to cross rivers in West Virginia. In the opinion, the court said the project’s proposed construction methods violated a special condition put forward by West Virginia, requiring stream crossings to be completed within 72 hours. The court also pointed to another special condition requiring projects to obtain state water quality certification for pipelines bigger than 36 inches (91.4 centimeters) in diameter. Mountain Valley has a 42-inch pipeline. West Virginia is in the process of modifying the special conditions to allow Mountain Valley and another gas pipe, Dominion Energy Inc.’s Atlantic Coast, to move forward. Analysts at Height Capital Markets in Washington said they expect West Virginia’s Department of Environmental Protection to issue the modified special conditions by the end of year, allowing Mountain Valley to seek a new permit from the Army Corps. Joe Barone jbarone@shaledirectories.com 610.764.1232

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