Wednesday, June 6, 2012

Two Cow Explanation: Part 3

An Italian Corporation: You have two cows but you don't know where they are. You break for lunch.

A Russian Corporation: You have two cows. You count them and learn you have five cows. You count them again and learn you have 42 cows. You count them again and learn you have 12 cows. You stop counting cows and open another bottle of vodka.

A Mexican Corporation: You think you have two cows, but you don't know what a cow looks like. You take a nap.

A Swiss Corporation:  You have 5000 cows, none of which belong to you. You charge for storing them for others.

A Brazilian Corporation: You have two cows. You enter into a partnership with an American corporation. Soon you have 1000 cows and the American corporation files bankruptcy.

An Indian Corporation: You have two cows. You worship them.

Monday, June 4, 2012

Two Cow Explanation: Part One

A Christian Democrat: You have two cows. You keep one and give one to your neighbor.

A Socialist: You have two cows. The government takes one and gives it to your neighbor.

A Republican: You have two cows. Your neighbor has none. So what?

A Democrat: You have two cows. Your neighbor has none. You feel guilty for being successful. You vote people into office who tax your cows, forcing you to sell one to raise money to pay the tax. The people you voted for then take the tax money and buy a cow and give it to your neighbor. You feel righteous.

A Communist: You have two cows. The government seizes both and provides you with milk.

A Fascist: You have two cows. The government seizes both and sells you the milk. You join the underground and start a campaign of sabotage.

Democracy, American Style: You have two cows. The government taxes you to the point you have to sell both to support a man in a foreign country who has only one cow, which was a gift from your government.

Friday, June 1, 2012

Two Cow Explanation: Part 2

Capitalism, American Style: You have two cows. You sell one, buy a bull, and build a herd of cows.

Bureaucracy, American Style: You have two cows. The government takes them both, shoots one, milks the other, pays you for the milk, then pours it down the drain.

An American Corporation: You have two cows. You sell one, and force the other to produce the milk of four cows. You are surprised when the cow drops dead.

A French Corporation: You have two cows. You go on strike because you want three cows.

A Japanese Corporation: You have two cows. You redesign them so they are one-tenth the size of an ordinary cow and produce twenty times the milk.

A German Corporation: You have two cows. You reengineer them so they live 100 years, eat once a month, and milk themselves.

Whatever It Takes

Whatever it takes… whatever the methodology… and whatever the means, we need to be reaching out for Christ. There’s no reason Christians shouldn’t be connecting with our culture and reaching out in creative ways with the Gospel.
Think of creative ways you can invite others to experience Christ. Connect with your neighbors by inviting them over for a cookout. Meet other people at your kids’ schools or through social clubs. Don’t be reclusive, but make “Christ connections” that will impact eternity!


Thursday, April 19, 2012

7 Letter Word

 

Have you Been? Have you? Should you? Will you? Can You?

Lately, and I'm not sure why, but there seems to be a LOT of talk about FORGIVENESS. I hear it on the radio, I see people struggleing with the issue of forgiveness, Oprah's Life Class is devoting a lot of time surrounding the same issue and forgiveness is the topic in many churches. I know it's an important topic, as a matter of fact, it's foundational in the lives of Christians and I believe critical in everyone's life.

If you've had questions regarding:
  • Apology/Repentance
  • Confession of Sin
  • What if I sin in my thought against another person?
  • Should I confess everything, even adultery?
  • How should I handle repeat offenses?
  • What if I can't forgive myself?
Join us the week-end of (April 27&28) at Graceway formally The Kansas City Baptist Temple, for The Fruit of Forgiveness conference. Register at: www.fruitofforgiveness.org

7 Letter Word: Forgive

Tuesday, March 13, 2012

Are You Under Insured?

Buying Home Owners Insurance seems relatively straight forward, but there are some common mistakes couples make when purchasing.
Many homeowners may learn about their insurance policy’s small details only after experiencing a disaster such as a hurricane, tornado or wildfire. Knowing your policy thoroughly is the key to making sure you are properly covered for these situations.

Common Mistakes:

  • Assuming you are adequately insured. More than likely your home is under insured, do your homework and be prepared to ask your agent very specific questions regarding your insurance.
  •  Not reading the policy. There are people working night and day printing material that no one reads. Granted there's lots of legalese in fine print and plenty of insurance terms but READ the policy and if you have questions write them down and call your agent.
  • Relying on a computerized estimator. Most companies arrive at homeowner coverage amounts with replacement cost estimate tools. They use formulas that get close but no bull's eye. You need an on site inspection.
  • Lack of flood insurance. Many insurance companies do not cover flooding, but purchasing a policy may be possible in participating communities through the National Flood Insurance Program. Be sure to check if you live in a flood zone. There is a wonderful term called 'anti-concurrent causation' which means that if you are covered for one type of disaster (wind damage) and not covered for another type of disaster (flood damage) and both occur at the same time, the company won't pay for either of damage.
  • Underestimating the time needed to rebuild your home. Make sure you know what period of time your policy covers for additional living expenses. Find out what's covered such as clothing, temporary housing, ongoing needs like monthly rent or gas mileage allowances. 
  • Underestimating your personal property coverage.  Coverage of personal property is divided into a list of categories such as furniture, electronics, clothes.......When you buy insurance, be sure that you ask your agent to list these specific personal property categories and detail specific replacement dollar limits per category, especially which limit can be raised and which cannot.
  • Not keeping additional personal property documentation. Remember, the insurance company wants to keep it's money and even though items are listed, the company often require additional proof. Make sure you video and pictures are a must. Keep receipts for anything of value that you purchase. Keep these items in a safety deposit box. 
  • Not understanding the difference between full replacement value and actual case value.              Ask your agent whether your personal property items are covered for their actual cash value or their full replacement value. for example, if item A looses 10 percent of it's value immediately after purchase and you've chosen full replacement coverage, depreciation isn't a factor if item A is destroyed in a disaster.
  • Not keeping your policy updated. Contact your agent when you make any improvements or make any major purchases.
  • Having a deductible that too large. Higher deductibles may help keep your premiums a little lower but if you have a situation that requires paying the deductible and it real high....it could place a unwanted financial burden on you and the family.




Sunday, January 8, 2012

A Margin of Safty

In my opinion, it's always better to have and not need rather than need and not have. I know it's difficult to prepare for everything but there are precautions everyone can take before an emergency type event takes place. For example: smoke and carbon monoxide detectors in the home, fire extinguishers for the car and kitchen, spare tire.................
Have you ever thought about an emergency survival kit?


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