The Fallacy of Gold and Primacy of Silver

The decade long flight of wealth from fiat currencies and naked stocks, to gold, as a safe haven to guard against economic chaos and worldwide depression, is a curious aberration of market speculation. Considering the vast amount of information available to those wealthy enough to be able to own gold, and the history of gold and silver as money to be used for purchasing consumables; one wonders why companies, banks, and persons of wealth, along with their financial advisors, are so poorly informed about the impracticality of owning gold as a potential emergency money for individuals and businesses; especially considering the current very distorted relative value of gold to silver.
Since I am more than sixty years of age I can reminisce that I grew up with silver money in my pocket, though I do not ever recall even seeing any gold money; and my parents, grandparents, and great grandparents all had silver money in their pockets, nor did they ever speak of having or using gold as money.

While silver was domestic money for more than 100-years here in the U.S., both as coin and currency backed by silver; and was used by consumers to purchase their food, clothes, and shelter. Gold, on the other hand, has been used by governments, banks, and international businesses during the past century to settle international trade accounts, and not as domestic money. Both gold and silver ceased to be used as money by banks and government by 1971. So buying gold to hold for an eventual use as domestic money to purchase consumables is incredibly silly, if not outright stupid.

Gold and silver have been mined, in the most recent century, at a ratio of about 10-ounces of silver for each 1-ounce of gold. In a hard currency economy where both metals would only be used as money and all production would be sold to governments to coin stable money, the relative price would be 10-to-1; that is, each ounce of gold would exchange for 10-ounces of silver. Yet the commodity markets have at this time (Nov. 2011) continually traded these metals in a range that is approximately 1-ounce of gold for 50-ounces of silver. In the past 20 years it has been as high as 1-ounce of gold for 100-ounces of silver; and as low as 1-to-30.
It is important for people purchasing gold and silver to question why this market is so skewed. First off, gold and silver are not used as money in the U.S. economy; nor does our government purchase or sell any significant amount of these metals annually, except in the production of non-monetary bullion coins. Consider that more than 50% of all gold mined annually is stored in bars or stamped into investment coins by several countries; while another large portion goes into jewelry and is relatively easily recoverable back to bullion. The world has accumulated more than 4.3 billion ounces of gold and the stock pile is growing around 75-million ounces per year. Silver is a very different story; for the past generation, more silver is consumed annually by industry than is mined.
Even though mining has increased the annual production of silver more than 50% in thirty years, worldwide industrial demand has increased even more; such that the above ground stocks of silver in the 1970's was around 24 billion ounces and has declined to between 18 and 19 billion ounces today; a large portion of which is not easily recoverable to bullion. Even if all the silver tied up in film, electronics, plumbing, military hardware, silverware, medical bandages, industrial catalysts, jewelry, anti-microbial clothes, etc., was available to serve as doomsday money there is still less than 5-ounces of silver available to each ounce of gold to serve as money. So 5-to-1 in quantity supports and affirms the current 50-to-1 price difference, right?
Actually, there is a lot of missing information about gold and silver. Because the market is always right, the 50-to-1 ratio has to be correct at this time, in this economy; the law of supply and demand can be manipulated, but it cannot be broken. Gold production is constrained such that a great deal of the above ground gold is mined and stored in a cave to cave sequestration by governments, banks, precious metal investment companies, and ETFs; all hoarding a lot of gold and some silver. In essence little new gold, relative to hoarded stockpiles, is available to be owned by individuals as bullion, while essentially all silver, both mine production and stockpiles is for sale to the highest bidder for industrial consumption. Gold is artificially high in price relative to its quantity above ground because of hoarding; which is done to promote a high price and facilitate price control. The markets in gold and silver are not free markets; supply and price are manipulated to benefit governments, banks, and industries. A great deal of newly mined silver is sold by miners at very low prices to benefit industry, presumably to gain help from the financial markets in having the gold market managed in such a way that prices are kept very high to benefit miners; and to give a false wealth effect to governments and banks that sequester gold. Considering that most of these large mining companies are publicly owned; the dumping of silver at prices as low as 10% of the spot price seems to disparage their stockholders unless there is a price benefit to their gold production side of the precious metal market.
The cave-to-cave aspect of gold comes from the vast system of caves made by miners to remove gold ore; refine a fraction of that ore into gold bars; which are to a large extent bought by governments, banks, and ETFs and immediately put back into concrete caves with thick steel doors, to keep it locked away as a hoard, and not likely to ever be used as money by citizens to purchase consumables. So if the 50-to-1 price ratio reflects the available amount of silver to gold, and if there are 18-billion ounces of silver that could be made available for exchange and consumption by markets, then there are only 360-million ounces of gold available for exchange and consumption by the markets. At least that is the quantity relationship supported by the lack of information to the users, holders, and investors of gold and silver. But this quantity relationship is false, since banks and governments have sequestered a little over 2-billion ounces of gold (about half of the mined gold), leaving 2-billion ounces or so to be held by individuals, businesses, and ETFs; and since several billion ounces of silver are sequestered in film, electronics, etc.; the amount of silver available to individuals as bullion is about 4-billion ounces; giving us a ratio of tradable bullion of 2-ounces of silver to 1-ounce of gold in the possession of private citizens, (this includes jewelry and bullion that could act as money). If silver is correctly priced at about $35.00 per ounce then gold should only command a price of two times greater or $70.00 per ounce; based simply on a supply foundation for price. Since the current price ratio is 50-to-1 this should lead us to suspect that the market is skewed by ignorance, misinformation, and probably disinformation through market management; which has created a speculative market in gold, in place of an investment market, which can only correct itself downward as individuals become more knowledgeable about the bullion supply and the more effective monetary use of silver versus gold.
There are some aspects of investing in gold that make it undesirable to own, should there be an economic meltdown. The first is that governments have the power to force those who possess gold to sell it to government at a price set by government. This was done in the U.S. by President Roosevelt in 1933, when private ownership of most gold became illegal; until President Nixon overturned this law in 1971. The price paid to those turning over their gold was $20.67 per ounce; while the following year, in 1934, President Roosevelt devalued the dollar 41% by declaring that the U.S. would exchange gold internationally at $35.00 per ounce. Why would anyone want to own gold when government can confiscate it and cheat the owner while doing so? Granted silver could also be confiscated by government, but because it is highly effective as domestic money and has many industrial uses, government would cause economic harm to itself by interfering in the use of silver as money in our economy.
An even worse problem for those who speculate in gold ETFs, ETCs, or purchase gold that is stored and managed by investment companies, is that they will never gain possession of the gold they have invested in; and therefore will not have any of the economic protection they were seeking when they bought into these investment scams. A full meltdown of the world economies could occur in a matter of days or at most a few weeks; and along with such a meltdown all forms of secure distribution of goods will fail; making it impossible to ship items such as gold and silver from any form of investment depository to individuals and businesses. Not to mention that in an economic meltdown all depositories of precious metals (which include all forms of precious metals investment companies) will be raided; and their gold and silver will be confiscated by governments in the political interests of those in power at the time.
There is a relatively new way to speculate in commodities like gold and silver called Exchange Traded Funds (ETFs). A precious metal ETF is run be a trustee organization that buys and sells a commodity like gold and also sells paper certificates that act like stock in that ETF. The trustee hires a bank to be the custodian of its gold; to store it and to receive additional gold when the trustee buys, or deliver gold to a buyer when the trustee sells. You as an investor (actually you are a speculator in paper, not an investor in gold) can trade your paper ETF stock with other speculators, who as a group must pay all of the overhead and profit of the trustee organization, such as wages, rent, shipping, storage, insurance and brokers fees. It is impossible to find a chair in this game when the music stops, because the custodian banker is the only one with a chair and he is not playing the game; the banker already has the gold; you hope!
I recently had a good laugh at the expense of a popular television business program when one of their reporters was doing a series on gold, wherein he was in London and was allowed to view gold that he reported was owned by a very large Exchange Traded Fund (ETF). He viewed this gold only after surrendering all electronic devices that could pinpoint his location and after being driven around London in a blacked-out van to ensure he had no idea of his location. For some reason he felt privileged to take part is this charade, without his understanding that an ETF is an investing charade by design. If you do not know where your investment is, or its condition without an audit for quantity and quality, it might as well still be disbursed in the crust of the earth.
What proof can this reporter provide that the gold he saw belonged to that ETF? How often is that gold randomly assayed to prove that it is gold? What assurance can the ETF provide that any gold they possess will not be confiscated by the British government, or any government of any country that allows ETFs to store precious metals in their banks? What prevents the custodian of gold or silver from selling the metals to cover short positions or raise cash by selling metals to profit from price spikes, when they, as banks, speculate in the precious metal markets, without informing the trustee of the ETF?
If ETF funds are good investments, with their hidden gold and only ownership of paper stocks in the ETF, why not create an ETF on gold that is hidden in the earth and cannot be mined. It is estimated that we have mined roughly 5% of the gold in the earth and that future mining will extract a further 5%, leaving 90% of the gold in the earth to form the basis for our ETF. All sales and purchases of our stock will be through our broker at current spot prices. Since 5% represents over 4-billion ounces of gold, our earth ETF would be roughly 90-billion ounces of gold; and we know exactly where all of it is; we also know that it is secure and cannot be stolen or confiscated by government. If our fund needs to sell gold we can sell ownership of gold in cubic kilometers of the earth's crust and buy those ownership rights back, when our fund has better cash flow from higher gold prices that will bring in more investors. We will sell stock in our ETF for a premium (broker's fee) over and above our gold's value and live off that premium while speculators try to out speculate each other trading our ETF stock through our broker. Since cows need to be milked and investors need to be bilked; not only can we form one ETF in this manner, we can form hundreds using the same gold; the gold is irrelevant, because ETFs are all about paper. Outside of ETFs concentrating commodities that make it easier for governments to confiscate those commodities, there is nothing special about them; they are just a newer game in the gambling casino known as Wall Street; and in every ETF you are speculating in paper and only paper.
Then there are companies that will sell you gold and silver and offer to store it and insure you against its being lost or stolen for an annual storage fee and insurance fee. So when the economy goes into inflationary meltdown and you want to take possession, you will first need to have some sort of distribution network that is still operating and is trustworthy to bring your gold to you; then you will need to be sure that the company storing your gold has not repeatedly sold and resold your gold and stored it for many other investors that may also want delivery of "their gold", causing that company to simply send everyone a cash refund, if that. If you do not have it in your land you cannot sell it or spend it to support life and limb.
Consider the possible scenario occurring about mid-September 2013, the limited wheat and corn harvest is coming in, controlled by government after social declension brought on by political corruption and greed, and the self-fulfilling prophecies of December 21, 2012, cause an economic meltdown in the winter of 2012-2013. Anyway, by September 2013 there are long lines in the cities to purchase the meager amount of goods available. Government is by Marshal Law and standing in bread lines is the priority activity for most people. On one side of the street there is a very long line of people waiting to receive two slices of bread every other day from a government storehouse, provided they have the proper government identification; while on the other side of that street a line forms outside a bakery that is allowed to bake and sell their own surplus bread over and above what they bake for the government dole. The bakery sells on a black market that the government tolerates to avoid social unrest, but which the banks will be jealous about, because it shuts them out of these transactions.
The bakery sets a limit of two loaves per person per week at a profiteering price of one ounce silver per loaf; and a sign that says we do not make change; of course the baker will barter for other items of value, but he will not accept Federal Reserve Notes, because their value will be declining daily and they cannot be trusted to replenish the baker's flour, sugar, and shortening. In the line outside the bakery are a number of people with questionable assets that they hope they can trade for bread. Obviously the person with two 1-ounce silver pieces will get two loaves of bread and the person with six half-dollar coins (minted pre-1965) containing 2.16-ounces of silver will get two loaves of bread. What about the person that presents the baker a 1-ounce American gold eagle coin; what will they get? They will receive two loaves of bread for their 1-ounce of gold, provided that gold is exchanging for two or more ounces of silver; and they will receive no change. While the person with the nice ETF certificates, showing a picture of gold on each certificate, will presumably be able to exchange them for a piece of paper with a picture of a loaf of bread on it. Similarly for the person that owns gold stored by an investment company; the baker informs them that when they have gold or silver in their possession he will do business with them.
How will gold and silver compare in an economic meltdown? Well if gold is not confiscated by governments worldwide; and hoarded gold is not sold to businesses and individuals by governments and big banks, there would be about 1-billion ounces of gold in tradable bullion coins and bars and about 1-billion ounces of gold in the form of jewelry, that to some extent would serve as money if the gold content of any piece of jewelry can be estimated. Similarly for silver, there are about 4-billion ounces of silver in the form of coins and bullion worldwide and perhaps a billion ounces of sterling silver in the form of jewelry and silverware that could serve as tradable money. Leaving us a ratio of 2-ounces of gold to 5-ounces of silver, held by individuals, to serve as stable money worldwide.
These figures are actually declining right now in Europe and the U.S., because several companies are canvassing owners of gold and silver coins, bullion, and jewelry to sell it for cash; and as this recession continues, more and more gold and silver is disappearing into increasing industrial consumption and large depositories such as governments, banks, and ETF funds. Here in Eugene Oregon we have had more than 100 full page ads in the local newspaper in the past year, offering to purchase gold and silver in any form; not to mention the almost continuous television ads that have occurred over several months in the past year, soliciting viewers to sell unwanted gold jewelry for cash. This is causing a significant decline in the amount of gold and silver still available to individuals to be used as money in future economic duress; while this recycled gold is mostly sequestered to maintain the high price of gold, this recycled silver is sold mostly to industry, and resulting in depressed silver prices until it is consumed.
It is important to note that the ratio of gold to silver that is held by individuals is somewhere between 1-to 1 and 1-to-2.5 ounces of gold to ounces of silver. So the barter value (money value) of these metals in a failed economy will be parity or near parity; making an investment in gold for the purpose of personal economic preservation a very unwise act. It is silly to stockpile a shelter with champagne, caviar, and frozen pastries, against a threat of war or natural disaster, when apple juice, peanut butter, and crackers will sustain you just as well, for a fraction of the cost. It is therefore silly to buy gold to insure your economic future when purchasing silver would give you between 20 and 50 times the value at today's prices (gold around $1750 and silver around $35 per ounce each). Even for people playing the metals markets as investors or speculators, without concern or consideration of using gold as future money, the price of gold relative to silver will continue to change in favor of silver and the cost of investing in gold will require more capital for less profit relative to silver as time goes on.
So when is it a good time to buy silver or even gold if you are still so inclined? Anytime between now and a global depression, when you will presumably spend it to maintain a supply of food clothes, shelter, purchase raw and finished commodities, pay wages, make loans, etc. Individuals, small and large businesses, small and large banks should all have a stock of silver bullion from which they can profit from while stabilizing their local economy with liquid barter money. It does not matter what you pay to purchase silver; today's market value of silver cannot be associated with the value it will have in a global depression. If market conditions cause silver to drop in price to $10.00 per ounce it's a good deal, or if conditions cause it to rise to $100,00 per ounce its still a good deal; obviously a lower price allows you to acquire more, which for individuals should be at least 350 ounces (1-oz per day for expenses for one year); a two year supply would be more prudent, because it gets you through two growing seasons where food production and preservation should be recovering from the depression's initial shock to all forms of production.
The so-called free market concept of buying and selling any stock, bond, commodity or consumable is a fallacy. Open competition in energy and industrial commodities is a myth. Demand does not control supply; rather supply is managed to provide maximum profit no matter how great or small demand may be at any given time. If consumers reduce their demand for gasoline by 10%, the supply of crude oil and refined gasoline are reduced 10%. The oil companies just reduce the amount of oil they pump out of the ground and they reduce the amount of oil that is refined into gasoline, to keep prices as high as the market will bear. Oil is a totally managed market devoid of competition. Commodities like corn, soybeans, sugar, etc., are also controlled in production to provide maximum profits to those who process and distribute products made from these commodities; by controlling the amount of acreage to be used to grow any specific crop. Government programs to keep farm land idle and unproductive, are ongoing to limit supply to consumers so that producers can maximize profits in a managed market.
Gold and silver are similarly managed, but for different reasons. Outside of decorative accessories to our persons and a limited demand for industrial uses, gold is a totally useless metal, which is why most of it sits in vaults and safe-deposit boxes (caves). It serves no economic purpose outside personal decoration; it is no longer money. Gold is to a large extent hoarded, and has always been hoarded by governments and the controllers of economic activity.
Anything that is hoarded serves no purpose but to increase the wealth of the hoarder in a controlled managed market where supply to markets is limited by those hoarding gold to maximize the price a consumer is willing to pay. Oil companies hoard oil and gas in the earth, government and banks hoard gold in vaults, and they all profit from the management of their hoard, with respect to consumption. The latest gimmick to hoard commodities is ETFs. Gold mining companies can for example supply gold to an ETF in relatively large quantities, at a price beneficial to both, and let the ETF sell stock to speculators and use that income to purchase and hoard the miners' gold bit by bit over time. That gold is managed in supply to the market and hoarded in a location where it may easily be confiscated when economic conditions both permit and require that it be removed from the supply and demand activity of consumers or speculators and only be used to benefit the controllers of governments and economic activity (banks).
Because of the continuous relationship of cost of all goods and services in terms of dollars, year in and year out, consumers are mesmerized into thinking that the dollar is stable in its purchasing power; when in fact the dollar's instability continues to erode everyone's wealth, except those who create and loan dollars at interest rates that are higher than the rate of inflation. Consider that the current Federal Reserve Note has lost at least 98% of its purchasing power in the 98-year history of the Federal Reserve Private Banking Corporation; which seems like a sad tale when you consider that the primary responsibility written into the law that created this privately owned corporation was to maintain a stable value for the dollar and maintain full employment for all of our citizens who want to work. The dollar is not stable, has never been stable, and never will be stable, because there is more profit for banks with mild continuous inflation; while the Federal Reserve Private Banking Corporation now admits it cannot create jobs or economic conditions that increase jobs; the Federal Reserve can only protect, preserve, and enrich the banks that own the Fed. I always get a laugh out of the business channels on TV that report the rising prices of gold and silver as nearing or reaching record prices, given in U.S. dollars. They cannot seem to understand that gold would have to go above $2400.00 per ounce today to have the same purchasing power that it had in 1980 when it reached more than $800.00 per ounce; and silver would have to rise above $150.00 per ounce today to have the purchasing power that it had in 1980 when it reached over $50.00 per ounce. Gold at $1750.00 per ounce today is still about 25% below its record price; and silver at $35.00 per ounce is more than 70% below its record price. The dollar is not stable and continually rising prices of everything, year in and year out, prove it.
Silver is a great example of commodity management to protect the profitability of big banks. Unlike gold, silver is both an industrial commodity and a consumer money. Although it has not been used as money per se since 1980, when many retail businesses were accepting silver as payment in place of paper dollars during the last big run up in gold and silver amidst the 1970's high inflation; silver will rear its head as money in inflationary times; provided there is a large enough supply to assist bartering and displace fiat dollars. The big banks are very much concerned about the competition of silver as money and are actively supporting the removal of as much as they can from the possession of ordinary citizens. In times of accelerating inflation, economic activity can only be controlled by banks if everyone must use their instantly created fiat dollars at their profiteering rates of interest. Obviously banks make profits off debt; much of that debt is long term at relatively fixed interest rates. This represents fixed income for banks, which would be eroded by inflation if they cannot be rolled over into new loans at higher interest rates. While accelerating inflation causes many businesses and retailers to look to direct barter or stable replacement money for the fiat paper money that may be declining in purchasing power. Outside of direct barter, goods for goods, silver is the only competition for Federal Reserve Notes to fulfill the role of money.
So control and removal of silver from the pockets of consumers is essential to controlling economic activity during the upcoming run away inflation. The banks must force everyone to use their fiat money at their interest rates to maintain control of all economic activity from which they can profit. Hence all of this activity in the past year advertising for people to sell their gold and silver to refiners where it can be concentrated into bullion and stored by banks in ETFs, or sold into industrial consumption. Every time there is a run up in the price of gold and silver there is a coincident increase by refiners to purchase these metals, then the price falls, while the latest roundup of precious metals is consumed by ETFs, governments, and industry; then another round of price pumping removes more gold and silver from personal possession, until there will be insufficient gold and especially silver to compete with Federal Reserve Notes as money in a failed and hyper-inflating economy. But without silver to act as a relatively stable currency during a depression involving hyper-inflation of Federal Reserve Notes, economic revitalization will be nearly impossible, because continually devaluing fiat dollars will not be trusted or exchanged for any significant transactions and direct barter is too slow a process to significantly and quickly improve any economy.

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The Top 6 Quality Assurance Mistakes You Should Avoid

When talking about Quality Assurance, we are talking about a process by which corporations and other organizations systematically check of the products and services provided to customers. Using such a system ensures that customers are satisfied with the quality received. Even though this by no means offers assurance of quality, QA testing is critical for any business model.
As consumers, all rely heavily upon the quality assurance testing that goes on within the companies we do business with. However, there is generally no other way for use to test the quality of products before we buy. This is why it is important for companies to do QA testing prior to bringing them to the market.
Here is a glimpse of quality assurance testing gone wrong, and some of the most frequent quality assurance testing mistakes in the software industry.
Let's say that you would like to upload new features along with fixes for bugs on your website. That's great, but you also want to avoid any of several bad side effects from this procedure. You also want these fixes to work the way they were designed, without affecting your system. To ensure this, you will be required to do a good deal of testing in two phases. Basically, you want to test before deploying the product to your server and the other after this has been done.
Here are the mistakes you should avoid:
1. Don't forget to do QA testing using multiple browsers. That doesn't mean that you should test over all the existing browsers, but you do want to ensure that you do your testing with the most popularly used ones. Using this quality assurance testing method will allow you to see if your visitors are able to work their way through your site without difficulty.
2. It is always a mistake not to delete the browser cache before starting a new test. The result of not doing this is that you could accidentally view a version of a webpage that remains in the cache from one of your prior sessions.
3. Failure to update host files is another QA testing mistake. Your testing should be done in a test environment that requires a special version from your host's file. You should be certain that the IP address and the domain names have been updated and take the time to confirm this prior to allowing testing from the development team.
4. Never fail to address any cookie issues that may exist. You should always check for functionality requirements such as login and passwords to make sure they work with or without cookies being activated. Most browsers allow you to enable and disable active cookies when the need arises.
5. It is not a good practice to fail to test using multiple screen resolutions. Floating designs are particularly prone to bugs when viewing with larger or smaller screen resolutions. It is worth taking a glance at Google Analytics to determine which resolutions are most common as well as which ones are most attractive.
6. One of the worst mistakes that can be made during quality assurance testing is doing the work manually when you can let automated tools do the work for you. In fact, who would want to do that when there are a lot of free tools available to help you with that? In addition to that, there are some tests that you simply cannot do manually anyway. The truth is that it would be impossible for you to check the potentially thousands of links to your site on a manual basis.
So, when you are interested in maintaining the quality of your products and services, it is vital that you do QA testing. Such processes help ensure that the products retain the promised qualities and that the services offered are second to none. Regardless the type of product, corporations and small business around the world understand that if they are going to be able to continue to sell to their clients, while generating new business, they must commit to quality assurance testing to ensure consistency.
Consistency is assured only by taking steps to ensure quality is maintained throughout the development and manufacturing processes. This can only be achieved when quality testing processes are implemented. Customers understand that even if they do not put products through a series of quality testing before making a purchase, when they buy from reliable manufacturers who have taken the time to build quality into those products they are assured of receiving what they paid for.
My name is Barry Wong an author for QA Consultants. They were founded in 1994, QA Consultants is the largest QA Testing and software quality assurance consultancy in North America. QA Consultants is focused on helping our clients and partners achieve extraordinary success in their Quality Assurance and testing efforts.

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Don't Fall For False Assurance

Large numbers of people are being assured that their lifestyles are fine and wholesome, that society now accepts them because the old standards of morality and ethics have gone. With such changes we move to a new era of optimistic freedom and secular maturity. In the last few generations, the majority are deciding the new values of right wrong. What's going on, and what do I mean by 'false assurance'?
Many people have been plagued by doubts about various types of behaviour. Some of their doubts came from their feeling of being outside what was widely accepted by society that made them feel unconventional, marginalised or even stigmatised. And some doubts may have come from genuine worries of conscience. For some this may have been increased by knowing particular behaviours mentioned in Scripture were not acceptable to God. However, many of these people were reassured by health professionals or religious leaders that their lifestyle was fine, normal and wholesome. So why am I talking about 'false assurance'? I shall be as clear as I can in sharing Bible-based beliefs.
There are two types of guilt - social guilt; that is socially induced feelings of guilt, which is sometimes very hurtful, but different from the second type; true moral guilt in God's sight. First we are clear, 'that all have sinned' (Romans 3:23), which leaves us all with true moral guilt. No one escapes that sentence, for which a full and free forgiveness is offered in the gospel of Christ. Alas, many do not accept the forgiveness of God, so I do trust you are not one of them. This then leads to two groups of people; those forgiven, and those who are not.
Secondly, sin is a matter of the heart and that 'whoever does not believe [trusting in Christ the Son of God] is condemned already' (John 3:18). Now sin expresses itself from thoughts to actions, such as 'malice and all deceit and hypocrisy and envy and all slander' (1 Peter 2:1), which Christians are called to 'put way'. Other behaviours are also clearly contrary to the law of God, 'murderers, the sexually immoral, men who practice homosexuality, enslavers, liars, perjurers' (1 Timothy 1:9-10). There are also many other expressions of dark, sinful hearts and the big issue centres on the awful sinfulness of where this all begins - in the heart.
'False assurance' then applies to people who have been consoled or encouraged to accept that their God-forbidden lifestyle - whatever it was - is not sin after all, and they ought to have no such worries, compunction, or concerns, as secular values now rule. False assurance also applies to people who may be deeply religious, and who trust their own good works and religious prayers and rituals to make them acceptable to God.
All such false assurance leads to blasé unconcern and is exceeding precarious, like the climber on huge sheer rock face, who doesn't know his rope has snagged on a sharp edge with only a few strands left, and he is gone.
Surprisingly, for many, our humanity is not the result of a bizarre accident. Biblical Christianity is intellectually defensible and rests on very well-attested events, which have stood the test of time. In fact, we were originally created for a high and noble purpose, to reflect in our personality and life a little of the splendour of Almighty God himself. Just as in a lesser way the magnificent autumn or Fall colours display the Creator God as the divine artist, so our lives were intended to show forth a love for God and for others within a definite moral framework.
But first there must be repentance in which we turn away from things we had thought had become 'normal', and from all sin. We turn and come to Jesus Christ for forgiveness and cleansing, to him who came from the glorious presence of God as the Lord of heaven and earth. He alone gave himself to bear the condemnation our moral rebellion deserved, when he died and cried in triumph 'It is finished' (John 19:30) - the sacrifice for sin completely finished. That is why the gospel of Christ is such breathtaking good news. Jesus Christ, the God-man has paid the full price of judgement in his death. Have you gratefully accepted this wonderful truth?
Then, instead of trying to build our lives on a ruinous false assurance, rest and trust your hearts and minds to Jesus Christ. For all who trust in him receive God-given assurance of salvation as a gift. They know they have been loved and accepted, not because of any religious works or moral efforts of their own to get right with God, but because of the sheer overflowing and undeserved favour of God, who will freely acquit and justify us by putting the righteousness of Christ to our account.
With that secure assurance nothing will ever separate us from the love of God, 'Whoever believes in the Son of God has the testimony in himself. Whoever does not believe God has made him a liar, because he has not believed in the testimony [witness] that God has borne concerning his Son. And this is the testimony, that God gave us eternal life, and this life is in his Son' (1 John 5:10-11).
Have you received this free gift for which Jesus paid the full price? If you have, begin to live a new life that shows that old false assurance is a thing of the past forever, as you now live in a new relationship with your risen Lord and Saviour and as the fruit of the Spirit begins to grow in your life; 'love, joy peace, patience, kindness, goodness, faithfulness, gentleness, self-control... ' (Galatians 5:22-23).
Michael J. S. Austin, Ph.D.

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VOGenesis review

This book was a godsend, really
I was introduced to VOGenesis by my friend Vanessa, who had gotten retrenched together with me recently. It was a horrible period for me. I'd wanted to quit my desk job for years, but never really had the gumption to do so because I didn't have any backup plans, nor enough savings to tide me over for a period of unemployment. In the end the retrenchment came as a complete shock to me as I had been an employee there for years; same goes for Vanessa! I felt hurt and rejected — useless, even.
Even though I dutifully sent out my resume to numerous companies in my field, my heart wasn't really in it. Perhaps it was evident in my cover letter because not a single suitable company responded to my emails. I began to spiral into despair at the thought of getting stuck in yet another dead-end desk job, yet I couldn't stop applying for exactly the same job because that was the only kind of job I knew.
But things began to turn around after I found VOGenesis. I can't thank Vanessa enough for telling me about it! It's a guide that teaches you the absolute basics of how to make money being a voiceover artist, delving into specific details and steps to optimize your voiceover career.
I never thought that I could make money off something that was just given to me since birth! My voice was an untapped asset that allowed me to work flexible hours, earn an income without leaving the comfort of my home, and most importantly, I didn't have to sit at a desk staring at a computer screen for 9 hours a day! You can't imagine the stress I've managed to keep at bay — gone are the days of backaches and migraines from sitting in the same position day in, day out.

The voiceover industry is also largely underrated, with mostly celebrities dominating the limelight, leading us to believe that only famous people can earn significant amounts of money with voiceovers. But Vanessa proved me wrong. She's been earning a steady income of hundreds each week, and by the end of the month her paychecks in total were more than what she'd been earning for years at our previous company! I was astounded.
Of course, it's not all magic and fairy dust; she still had to work for it. However, the work is simply so much easier and infinitely more enjoyable than her boring old desk job! Seeing her so happy  and content made me check out the book for myself and am I ever glad I did. The book not only taught me how to set up my own equipment within my minuscule budget, it also revealed to me just how huge the voiceover industry actually is, and even had tips on how to properly take care of my voice.
Since then I've been practicing the instructions in the book regularly and have gotten quite a number of voiceover gigs. I have never been happier in my whole working adult life. It feels wonderful to wake up any time I want, do work at my own leisure, with no boss or superior hovering behind me all the time. VOGenesis was a completely fresh start for me, and I am still amazed at how easy and effective it is!

Every woman in our company makes the same as a man .. MasterCard CEO

Ajay Banga, CEO and president of MasterCard (MA), said Friday that "every single woman" at his company "gets paid exactly the same as a man."

Banga said his CFO is a woman and that she's the second highest paid person at MasterCard, but he said it's not enough.
"It's not about one woman being paid well," he said. "It's about every single woman."
He added: "Anyone who gets in my way on that, can work for my competitor."
Banga's comments were made during the seventh annual Women in the World summit. The three-day conference is put on in New York City by Tina Brown, the founder of The Daily Beast.Related: MasterCard promises fewer card declines when you're traveling
Banga also addressed the idea that there are low numbers of women in STEM (science, technology, engineering and mathematics) fields.
"I hate the idea that women don't work in tech," he said. "It's bulls***. At MasterCard, 60% of the women work in tech."

18 hour days, but it's not 'work' for Katie Walsh ..Grand National

It may be as long as 18 hours between clocking in and clocking out on an average working day, but jockey Katie Walsh says: "I don't think I work."
Horses are all the Irish jockey has ever known, with her trainer father Ted having guided Papillon to victory in the Grand National in 2000, with the horse being ridden by her older brother Ruby.
"Don't get me wrong -- it's not all skipping and jumping around," says Walsh, who achieved third place in the National, arguably the world's toughest -- and certainly most famous -- jump race on Seabass in 2012.
"If you find it hard getting out of bed early in the morning, then this isn't for you.
"There are those mornings where I wake up and look outside at the weather and think to myself: 'I can't believe I have to go out in that,' but I absolutely love it."
    Growing up around the family yard, she recalls sitting on a pony in the family field and imagining winning the National.
    It is an event in which the family have flourished, and for Walsh -- the highest female finisher in the rich story of the race -- the dream of winning the famous race in Aintree, Liverpool, still resonates. In Saturday's National she will ride the Willie Mullins-trained Ballycasey.

    What it takes to be a jockey
    What it takes to be a jockey 03:19
    Our interview takes place at virtually the same moment as Victoria Pendleton rides her first winner on Pacha Du Polder since making the switch from bike saddle, as a former track cyclist, to horse saddle.
    Pendleton's efforts warrant praise from Walsh, who is a Ladies Day ambassador for the Grand National and is asked in virtually every interview about what it is like to be a female jockey.
    "It's no one's fault, there's just more men doing it," she says. "It's a bit like the fact that you get more women hairdressers out there. It's just the way it is. Most girls don't want to be a National Hunt jockey, and I don't find it remotely chauvinistic."
    But despite the rough and tumble of what is a hard sport, Walsh says: "I turn up at the racecourse, get changed to race and then I'm back in my dress right afterwards.
    "I like to be feminine in a male-dominated sport, and I love the fashion side of it."
    It seems impossible that Walsh could ever entirely escape horse racing on any given day. As well as her brother and father being immersed in the equine world, her husband Ross O'Sullivan is a racehorse trainer. Another Walsh brother is married to jockey Nina Carberry.
    "Sometimes you do have to make a conscious effort not to talk about it, and I know a lot of people that just can't stop," she says. "I actually find it quite easy to switch off and talk about something else."

    compilation of Funny Baby Videos

    This is a compilation of Funny Baby Videos.
    The kids is so cute, so lovely :3