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Category Archives: Golden Rule

Streetscaping tips: The right plant in the right place – The Bulletin

Posted: February 22, 2021 at 2:43 pm

The observations I have been able to enjoy through these months of quarantine have been beyond joy. Something awesome and eye opening seems to happen every week.

The normal most every day is the faithful five does coming into the yard for a nibble and sometimes a nap. As I write this article, I am watching not 1, or 2, or 3, or 4 but 5 bucks using my rockery for a game of King on the Mountain and the grassy area for a race track. Two are young and feeling playful and cocky. Maybe their growing head-gear is akin to our teenage sons getting their first freedom of driving.

One buck has lost half of a good-sized rack and the other two are seasoned to the ways of the world. Young buck wanted to engage old buck in a game of horn butting by giving a gentle poke to his rack. And then the game started. It wasnt a serious game, and after a dozen pushes forward and back the game abruptly stopped and they went back to munching.

To think all of this happens one block from busy 27th Street, makes me realize what I thought was my land, really isnt, and thats OK with me.The observation of more people walking in my neighborhood and throughout the city brought to mind a subject I have never written about, streetscaping.

Streetscaping involves the narrow strip of land between the street and sidewalk, usually between three- to six-feet wide and can be several times that in length.

The city of Bend has published a guidebook specifically regarding the use of that strip of land with regard to water consumption. The guide book is titled WaterWiseTips, StreetscapeGuide.org available on-line and at the City Hall.

At the time of publication, it was noted that approximately 60% of all residential water use in Bend occurs outdoors, most of which goes to landscape irrigation. Much of that irrigation is lost due to overwater through improper irrigation scheduling and to irrigation overspray resulting in run-off onto streets and driveways.

The book is a step-by-step guide to create a better looking and more water-efficient alternative to what you may have. The guide includes an initial design or landscape plan, a focus on soil preparation and grading, an efficient drip irrigation system and minimal routine maintenance.

There is a notation that some street strips in Bend are designed to collect and retain stormwater. These strips have been engineered for a specific purpose and should not be altered. Please call the city of Bend WaterWise Program (541-317-3000 option 2) if you have questions about your property. Property owners who are part of a Home Owners Association should check on the regulations in place with the association.

The guide offers four planting options all of which are water efficient, functional and aesthetically pleasing. The transformation isnt as simple as just digging out what you have and replanting. There are site preparation and grading which will include soil or sod excavation and a switch from overhead sprinklers to a dripline irrigation system.

Remember the Golden Rule of gardening plant the right plant in the right place. Be aware of the maximum growth width of the plant, especially shrubs. The plant may look great for a year or two and then extends growth into the sidewalk impeding walkers and bike traffic. Label the plants for the benefit of walkers who might be encouraged to follow your example. What could be a better way to build community than in your front yard?

The publication is a great inspiration to help correct some of our old beliefs that there will always be enough water. Maybe we should be thinking more seriously now rather than later. Remember that basically, we are living in a desert and not in the lush Midwest. In years to come who knows the problems others might encounter as well.

In addition to the WaterWise Streetscaping Guide, the City has also published WaterWise Tips, Landscape Guide and WaterWiseTips, Irrigation Guide. Water-wise Gardening in Central Oregon, an Oregon State University extension publication is also available online.

Kudos to Summit High School and their participation in the Tree-Plenish program to replenish the environment with 187 trees, based on an approximate school usage of 1.9 million sheets of paper. The trees offered for sale are Acer rubrum, red maple and cercis canadensis. Eastern Redbud. Both trees are listed in the Water-wise Gardening in Central Oregon publication. The saplings are 12-18 inches and priced at $5. The offer includes planting but a word to the wise. At this time of year, it would be safer to buy a bag of potting soil and plant it in a black 1-gallon nursery pot to acclimate it to our climate by placing it in a protected area outdoors. The recommended area for protection would be the north side of a structure, placed on the south side might encourage early leaf-bud, then subject to damage from an unexpected frost.

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Streetscaping tips: The right plant in the right place - The Bulletin

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Everstream Walks The Talk With CEO Brett Lindsey – RCR Wireless News

Posted: at 2:43 pm

The kind of culture a company has is reflective of the kind of leaders it has. When leaders walk their talk and get involved in the overall business processes, the company walks alongside it too. In this episode, Carrie Charles brings over someone who has shown tremendous passion, realness, and involvement to his company. She sits down with the President and CEO of Everstream, Brett Lindsey. Brett shares with us how he has built a culture around authenticity, inclusivity, and diversity. He talks about how he empowers his employees and leaders to lead effectively and powerfully. Moreover, Brett then tells us about the things they are looking forward to this 2021 and how they are planning to move with the market as fiber-based network service providers.

I amthrilled to have with me,Brett Lindsey. He isthePresidentand CEO ofEverstream.Brett,welcome to the show.

Thank you. I appreciate being here.

I want to say that weve been working with Everstream for quite some time, and I was excited when you accepted my invitation to come on the show.Onething Im excited about is speaking to you from a leadership perspective, because Ive heard many great things about not just Everstream, but also about you as a leader.Canyou discuss a little bit about your journey, how you got to where you are, maybe some challenges that you faced along the way, some of your greatest professional achievements?

I joke around that I grew up wanting to be in telecom,and its not quite true, but I had a mentor when I was in college thathappened to be the president of a company in telecom. I thought,Thisguy has got a great life. I wonder what I can do to replicate what hes done.I asked him and he said,Hereswhat you do. You start off selling telephone equipment because youll understand what the customer wants.Once youve done that for a little while, and if youve been successful, then you move to an operating companysoyou can understand the nuts and bolts of how you deliver the underlying services to those companies.Thisis starting in sales.Onceyouve done that,then you need to take a pay cut and move into operations and figure out how to manage that side of the business,and understand how it all comes together.Ifyoure fortunate enough, then youll get an opportunity to leave a big company and go work for a smaller venture back or PEbackedcompany where you can then get into leadership roles.Hopefully,that will allow for you to move into a presidency overall like I had.I thought, That sounds good to me.

I did not finish college. I got hired in Aprilinmy senior year of college. I ended up flagging two classes that last semester and didnt graduate.Igot the job in April. I was excited. It was a juniorAG for thecompany at the time calledWilTel selling key systems, which most people dont know what that is anymore. I was excited to get this job.Twoweeks later, they called and told me that there was going to be a hiring freezeandI wasnt going to get to startuntilDecember. I wasscrewed at that point. I hadnt graduated from college. I had accepted the job and I needed to figure out how to live until December. I started doing landscaping for rich people in OklahomaCityat theNichols Hillsneighborhoods to make ends meet.Myjob started in December. I started working in sales. I loved itandI had been there about six months when the company decided to do away with my position,and itwas going to force me to have to double my quota.

I went to my manager and said,I can do this. Youvegot to give me a chance. She gave me that opportunitytosomeone that Im still in contact with now.Itwasthe beginning of my trajectory through telecom and it was atWilTel. Istayed thereuntiltheTelecomAct happened in 1996, which was my leverage into the operating business side of things. I was at BrooksFiber.Mymentor who told me what to do became a regional president in Ohio.Thatshow I moved from OklahomaCityto Columbus, Ohio to work with him back in the day for our nextlane, which later became XO, which is now part of Verizon.

Icontinued to have these steps with big companies. I wasona quest for awhile and the JoeNachosdays, and everybody remembers what happened there. Ourdivision was calledCross-link,and we were a pet project of his.Whenhe got let go, our division got shut down, and itwas two days before my son was born. I was sitting there thinking,Im going to have some challenges here.I immediately landed a position with MCPartners,which was a private equity firm that had invested in a couple of companies. Icontinued to work with them multiple times and they were my first big equity partner at Everstream.Wehad successful exits together.Forme, it was trying to get that big company experience moving into a more entrepreneurial environment where I felt like I could have a bigger impact on the business.Ihave been able to take that opportunity with both hands and continue to grow the business that way.Its atestamenttounderstanding that if you are well-rounded in the business, it helps you be successfullater in life.Iwas fortunate to have some great mentors and coaches along the way.

Thatsthe power of mentorship. Youvegot some great advice when you were younger.Thatsone thing Id love to speak on is mentorship being a mentor, as well as a mentee.Youvetouched every piece of telecom. I could see why youre successful and youre such a great leader.Thatsawesome.Tellme about Everstream,your services, who are your customers,and a little bit about your offices locations,andthe markets that you serve?

Welike to keep it simple.We are a fiberbased network service provider. We like to own,operate everything that we connect customers to. In 2020,93% of every circuit that we sold to a customer was directly connected to our network. We believe that is how you win those customers, keep those customers and continue to grow.Forus, its allfiber all the time.The idea is how can we build more fiber than anyone else in the markets that were inbecausewe believe that delivering ethernet,internet, some dark fiber isthe key for us.Our business has shifted a little bit.Westarted outheavy on wholesale, then moved into enterprise.Thatwas when we were in Ohio.When we brought in our initial funding in 2015 with MC,we acquired GLCCommLink up in Michigan, and we also are at LynxNetwork Group.

Thattook us from Ohio to Michigan.Wepicked up some other services along the way, but weve always kept our core and focusing on enterprise customers and the wholesale space, andnot try to get away from marketing. We didnt decide to become a data center company orget into voice or unified messaging or anything else.Wewant to buildourown and operate as much fiberas possible.Thathas helped us well. Wedid a transaction in 2018 where we sold Everstream toAMP.Thebasic premise there was weve been successfullydoing it in a couple ofstates. I like the Midwest,I likethework ethic of the people,the business community thats here.Forme, it was,How can I find a partner that will allow us to continue to grow our business?

Werenow in Ohio, Michigan, Wisconsin, Illinois, Indiana, Missouri, well be closing ontheUnity transaction, and thatwill take us into Pennsylvania, New Jersey and Delaware.Withsomewinannouncements, well also be opening up Kentucky.Thebusiness has continued to evolve.Wewant to make certain that we are connecting as many people as possible to our fiber networks,and that we have robust networks that are there for our customers.Theconversations of talking about100MBor1 GB adays past, customersarenow askingfor 10GBlike it wasnt1GBor100MB.Afew years ago, 40GB or100 GB. Itsabout having the capacity and the assets to be able to keep your customers happy.

Youkeep your employees happy too.Mycompany,Broadstaff, weplace people with Everstream and we always hear that they are happy. I want to talk about that a bit. What is it like to work for Everstream?Whatsthe culture like there?

Thereare very few things in our organization that are top-down, but culture is one of them.Tome, the culture has to start at the top and it has to be embodied by me and everyone on our executive team,and flow through everybody in the organization so that its clear,concise and consistent.Whenwe started down this path, the idea was,Whatare the key valuesandmantras? What can we have peopleinternalize so that it can help them understand what we need to do every day?Thefirst one is,Dowhat you sayyou willdo.Thepalindrome,Dowhat you say you will do,is everywhere in our office. Its on the walls, on t-shirts, its everywhere.Forus, thats our golden rule. That the idea is whether its a co-worker,customer, partner, vendor, whomever, that we will do what we say we will do.Itstattooed on my arm in Latin.Itsmy own thing as well.Fromthe standpoint of understanding that every day, whether thats for work or my family, my kids, whatever that is, that Im doing that as well.Thatsthe first one.

The second one is happypeople, happy customers. There is not a chance in hell that your customers are going to have a positive experienceifyour employees do not enjoy their jobs.Itsnot going to happen.Wedo a ton on developing ourpeople.Forthemany years in a row, weve grown exponentially in sizeandpromoted 20% of our staff every year.Weare very focused and conscientious about giving people development plans that allow them to stay with us.Wewant to review those on a regular basis.Ive been here formanyyears. Weve got a lot ofpeoplethat have been with me during that duration.

Whatsgreat to me is having examples in the organization that other new people can come in and see, and understand thatmanyyears ago,they were the person thats now the vice president of our customer engagement team.Thatperson startedincustomer service, became a manager, then became a director and is now running a very large team with that organization. We have a gentleman that started in the NOC and then went into engineering and became a manager.Hesnow VP of ourNetworkEngineering team.Wehave multiple stories ofpeoplethat have come in and stayed with us.Theystayedwith us because our feeling is different than what theyre used to.Itsdifferent because we spend a lot of time talking about it, caring for our people.

Thelast one on that space is once people hit that magic five-yearmark,I view those people at the highest risk.Ifyouve been here for five years, and if you havent been promoted a coupleoftimes, your compensation hasnt changed dramatically over that period of time, youre riding to get picked off.Howdo we do that?Wedo that one because every single employee in our company is an owner. Everyone in our organization has shares.Those peoplethat have been with us before when we sold back in 2018, participated in,and theyllpay it again whenever our next event is.Theidea is that everyone needs to feel like they have ownership in whats going on.Alsothat thosepeoplethat have been here for five years, some people are comfortable doing what theyre doing.I may be a splicer and I love splicing them. Thats what I want to do every day. As long as that person is happy doing that, thats great, but we want to make sure that people are there.

Thelast one is our no asshole policy.Peoplejokeandthink thats funny when I say it.Itsthe one that I take the most pride in because its the one thing that if you say and you dont live up to that rule, somebody is going to call you on it.Theidea iswe cannot have someone in our organization that isscreaming at people, yelling at people, badgering them, that doesnt work. We know that and it doesnt keep people happy.Iftheyre not happy, then the customers arent happy.

Wevehad some instances where weve had some fairly highuppeoplein the organization who were assholes,and thosepeopledidnt make it.Wehad a holiday party one time and the guy decided to show up,have too much to drink,break some people and pass out at the bar.OnMonday,he was gone.Iwrote a note to the team on Monday after we let the person go and told that team,I want to make sure you understand that theno asshole policyapplies to all.Wewant to make certain that people understand that they need to have a safe environment where they feel comfortableexpressingtheir opinions and can challenge things.Wedo not serve ourselves or our customerswellby having a bunchof people that all think the same.Wehave a very diverse work culture here,and45% of our team are female. Weve got every ethnic variety you can imagine within our organization.Forus, webelieve that having that difference of opinion allows for our business to be better and makes people want to stay here.

Did you say 45% of your team?

Thatsthe lateststatandits an all areas,permitting,construction, finance, HR,sales, all throughout the organization.

Youwrote an article on LinkedIn about diversity. First of all,I love your realness.Whenyou speak, I get what youre saying. Lets talk about that article briefly about diversity,about your passion around it, and also the new initiative you created because of that.

In2020, it was hard for everybody. Itwas an odd feeling that our business grew exponentially during 2020 while other people were suffering.Businesseswere suffering, but even more than that, you have the social injustice undertone that went out the entire year. I was struggling at trying to figure out how could I specifically make a difference as it relates to racism and diversity, and being able to have those conversations within our team. Iwasinvited on a flyfishing trip to Montana right around the same time that the racial unrest was at its peak. I went there with the idea of unplugging,and instead tried to focus on how can I help on this specific issue and ended up connecting with two African-American gentlemen that were on the trip with me.

Ithought,Theseguys are here. Oneis from Atlanta andone isfrom California. I can figure out how to ask them questions and learn something.Themost key thing that was shared with me was,Youneed tolisten more. You need to talk to people, ask questions, but also educate yourself about some of the issues.Whatthey recommended most was that I readtheLetter from Birmingham Jailthat waswritten by Martin Luther King, Jr.in 1963.Whenyou read them, youre taken with the fact that this guy is such an amazing line.Takeapart all of the challenges that he was facing at thattime.Thefact that you could sit inside of a jail and write one of the most eloquent things Ive ever read, and be able to describe succinctly the challenges that were facing.

Whenyou read it, you could replace Birminghamnowwith Detroit, Chicago, LA, any city in the US.Youcould read thatand think,Thiscould have been written now, but how sad is it that it was written in 1968andhow little have we come in that period of time? Itstrying to address these issues and make it better.Thelast thingthat spoke to me,and Im trying to get some of my peers to think about it more,is this idea that Martin Luther saysitsnot the raging racist or the KKK that hes concerned about. Its the moderate white male, and that person wants the issue to go away.Theywant to like,Im sorry that you feel that way, but lets move past it,becausethey feel uncomfortable.They dont want to raise their hand and talk about something.Thatmakes other people feel uncomfortable because they somehow feel thats not their role.

Whathes saying is that is wrong. Those are the people that we need to be helped with the most that your silence effectively is hurting us more than anything else.Mychallengeinthe piece on LinkedIn was to create awareness and make sure that my team knew that I was thinking about it.Secondlyisto try to getpeoplein our space, which are predominantly white 50-year-old malesto take a step forward and trying to do something beyond whats good for our business or ourselves.

Theressomething about you as a leader, and Ive learned a lot from you from our brief conversations,and also what I hear about you as a leader from the people that weve placed there at Everstream, youre involved, committed and passionate, but then you also empower people at the same time.Youreinvolved in the interview process and some followup post-interview with the growth and development of your team. Tell me a little bit about your involvement and also how you empower others and empower your leaders to lead effectively and powerfully?

Thefirst thing I talked about for the business why people want to be here is because of our culture. I view myself as the final gatekeeper when somebody joins the business.Peoplethink its more altruisticlikeIcant wait to talk to every single person that were interviewing, but its to make certain that we dont bring the wrong person in our doors.Wehave an interview processdepending on everyperson, no matter what level, between3to5people. Im the final interview for every employee that we have.Itsa different type of conversation. I dont spend time going through peoples resumes. They have barfed that up to five people before they get to me. I dont need to ask them again how they got into telecom and their last job.

Instead, I use it as an opportunity to try to get to know them.Myquestions are,Describeyour life from birth until the end of high school.Areyou1of3? Didyou play soccer? Did your parents go to divorce?Whatever it is that makes that person into who they are. Thesecond one is,Whatdo you do for fun?Whenyoure not working,howdo you spend your time?I learned more about peoples families,hobbies and things that I otherwise would not know for quite some time after somebody joined us.Thelast oneis,Whyare you leaving where you are?Itssad and awesome for us at the same time.Sadthat most people are leaving where they are because they dont feel appreciated,because they dont feel like the direction is truly shared with them,andthat they dont feel like theyre having an impact at the place where they are.

Thoseare things that we can solve for people. Those are the things that were doing it correctly. Those people will feel differently when they come to Everstream.Thesecond that I do is once somebody is on board, we have an onboarding call3to4weeks after the person joins with us.Myquestion is,Didwe do what we said we would do? Was your laptop sitting at your desk? Did you have access to all this stuff?Isthere training that you need? What can I do to make certain that you are successful in this role with us?Thefeedback that I constantly get from people is one,I never thought I would talk toyouduring the interview process. Second,I never thought Id probably talk to you again.

Beingable to talk to them again after theyve been on board for that is key.The other thing is we believe that we have to be out in the market.Theway that we operate our businessis by having whoever touches the customer needs to be local in that specific area, which is different from a lot of telecom companies where everything keeps getting more and more centralized into the headquarter grand goofball location, which doesnt work for us.Theother thing that weve done, especially during COVIDin 2020,whichwas a little dicey, but we were trying to travel to every market once a month through social distancing and everything else. They saw our faces because2020was a challenge for people,lets be clear.Itwas difficult to try to keep peoples morale up.

Wehad a tremendous year and our own people felt guilty about it. We built over 10 million feet of fiberin 2020,weinstalled customers in every state that we now operate in. We opened new offices in every state.Alot took place in the midst of very difficult times for others.Ourability to try the best we could to communicate with people,have them see us,and make certain that they felt like they were connected to what we were trying to do with the business has helped us continue that culture.

Everstream is growing exponentially.Its exciting toknow. Lets talk about hiring.Whatson your radar for 2021?Are you hiring?Whattypes of roles?Whatare you looking at there?

Weare hiring. Ourexpectation is well add somewhere between 75 to 80 people. Some of those are also going to come through the acquisitions that were either scheduled to close or those that were in the process,but we will be staffing across the markets.Wealso have a team of what we call a national team.What theyre doing is tasked with going into some of the expansion markets where we haveacontract.Wehave a customer in that area.Wehave the team now focused on doing the initial design engineering and permitting to get that market on its way.Onceit started to starttoconstruct fiber and were moving towards the solid customers, then we would bring in that director of field services and OSB manager,high-speedmanager, and all the bodies that are required.

Inany given market, youretypically going to see 25 to 35 people managing everything from a local level.Wewant to be able to see those markets with more of a higherup view,and then be able to hand them off to someoneonce its a little bit more mature. Thatsa process that weve been evolving.Wehired a gentleman,Drew Mullin from Crown Castle. Itsover our corporate development group and hes leading that team.Wevecontinued to add local talent at every as well as in the organization,andCleveland istheretoo.

Forus,outside plan,inside plan,sales, anything and everything that you can imagine that we need for our business, we are not planning on slowing down from the standpoint of what we construct or install.Forus, its making certain that weve got Xinthebacklog and were going to install Y each quarter, how many bodies need to be in our shop to be able to make that happen. I feel like we figured out our machine,and we know exactly each quarter what needs to come in to make sure that we deliver on our promises to customers.

Whats your vision for the next five years?Wheres Everstream going to be?

Im not sure that I can answer that. If youd asked memanyyears ago, I would have not given the answer of where we are now for sure. I wouldnt want to be limitinginwhere I think well be.Ifwe keep doing what we havebeen doing, our workwill continue to come.Wehave been opportunistic at looking at acquisitions that made sense where we could find fiberrich assets with products that aligned with ours, with smart people that we could bring into the business.Wewill keep doing that. We will continue to grow organicallyinevery one of these markets. Werenot interested in being competitors to a lot of our peers.Itdoesnt make sense for me to move towards greatplainsbecause,withthe way that we view it,and it sounds like an odd thing to say,we want to be inthethird place.

AT&T,because of market shareandthe fact that theyve been here for hundredplus years,is going to be first in market share in the market.The second is going to be the MSO, whether thats Comcast orCharteror whoever that is.Thenwe want to be the one that is deploying the most fiber thats adding the most customers and is taking market share on this market.Ifyou consider that weve gone from twostatesto where we are now and the availability of business in those areas, we have plenty to do for the next several years.Whenwe marry our carrier wholesale wireless business and everything thats happening in 5G, which is pushing us hard, and then our enterprise demand, which is continuing to hammer us for more bandwidth organically, more services, everything that they need.Ifwe stick to our knitting, well be finefiveyears from now.

Manytimes when companiesgrowandthey grow fast through acquisitions, as well as organically, the culture changes,things change.Wehear this quite a bit from candidates. They say,Thingshave changed since X happened.Thecompanyis different since X happened.It sounds to me like that is not going to be the story of Everstream. How do you maintain a cohesive culture through all the growth and acquisitions?

Itsa shit ton of work.Thechallenge is trying to get the people that you bring on board. You ask the question about how do you empower your people?Thisis how we keep our culture growing.Weview the directors in the market.Inevery large market, we have a director of field services and a director of sales, and they manage 90% of the bodies that are in that market.Ifthat market is not succeeding, it isnt because somebody in Cleveland didnt do what they needed to do. Its because we failed at the local level to make those people feel supported,involved and had the tools that they needed to be successful.Forus, we have spent a ton of time and we did thisthoughtfully.

Backin 2019, we engaged withAMP.We looked at a number of acquisitions and these things are priced so high,wedont feel like were getting what we want.We kicked off a $300 million capital campaign to build all these marketsout.Theidea waswhilewere doing that, what has to happen is that you have to feel like youre working for Everstream no matter what city youre in, and how that manifestsitself.Whenyou walk in,the offices look exactly the same, same paint on the walls, same furniture, same sayings on the walls, everything, same snacks.Thinkingof the things that make people feel like Cleveland is not the epicenter of the world. Cleveland happens to be one office where a number of us sit,and it should feel the same in St. Louis or Indianapolis or Milwaukee.

Theoffice is important. Itsgoing to sound like a small thing, but its something in years past people started to get rid of.Wehave an office manager in every single office.That person is there to make certain that we have visibility to whats going on, not in aBig Brotherwatch you mode, but understanding what is the culture feeling? How are people feeling? Are they overwhelmed? Whatsthemoralelike?Thatway,we can also use those office managers as advocates for the business.Theyrun all of that. If we have a chili cook-off in Cleveland, we have a chili cookoff in every market at the same time.Thoseoffice managers are helping make that happen.Thatsthe difference.

Theother piece is people want to build. So much of our team are on the construction site.Ifyouve been at some of the big companies out there, especiallyWindstream or CenturyLink or Lumen,the amount of building fiber at the local level has gone down dramaticallyoverthe last several years.Theyvegotten bigger, theyve got different products, theyve got different mindsets.Whenthey know that were coming in to impact the local market, to build as much fiber as possible,theyget to do that. People get geeked up about the fact that theyre building something from scratch in that city.Capitalizingon that, making certain that it feels consistent across all the markets, and then giving people a culture that feels different from where they areisthe best compliment that one of our team members can make to me is it feels different here. If it feels the same, then weve lost. It has to feel different here than anywhere else that theyve been in the past, or we will not be able to replicate the success that weve had up to this point.

Therearesome rich golden nuggets here in this conversation. I thank you so much for being on the show. I know Ive learned a lot and Im honored to support Everstream withBroadstaff. Imhonored to have this conversation with you.Wherecan our audience learn about Everstream,the careersandeverything that you have to offer?

Thankyou for having me on.Everstream.netis our website. We have a builtout section for people that are seeking employment. It has all kinds of information,videos about the business,allof the postings are there as well. Aboutanything that you need to know to find a positionat Everstreamis available online.

Brett, thank you so much for being on the show.Itsbeen a pleasure.

Thank you very much.

Take care.

In 2016-2017, Brett more than tripled the size of the organization within less than 12 months with two Michigan-based acquisitions. Previously as Chief Operations Officer of OneCommunity, Brett oversaw the $100 million expansion of the network that became Everstream. Brett brings more than 25 years of experience in successful operations management and business development efforts for venture-backed organizations to the Fortune 500. He has extensive experience in the telecom industry, having served as President of Elantic Telecom and Chief Operations Officer of Vox Mobile. Brett also held management positions with City Signal Communications, Qwest Communications, XO Communications and Williams Communication Systems.

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The top Martin Lewis savings tips for 2021 take back control of your finances with these easy fixes – Real Homes

Posted: at 2:43 pm

These Martin Lewis savings tips are about to change your finances. Sounds bombastic, but Lewis knows what he's talking about where it comes to maximising your finance potential. Since the coronavirus pandemic, many of us have seen our personal finances suffering, whether it's because we've taken on more debt, have seen our household bills rising, or have struggled to pay our mortgages.

With the economy remaining slow and interest rates not in savers' favour, what can ordinary savers do to get the most of their money? Right now, these are the top 5 things you should be doing, according to Money Saving Expert.

Everyone's energy consumption has gone up over the past year, simply because we're all spending most of our time at home, and the winter has not been kind to our wallets with record-breaking cold temperatures. No, Lewis isn't advocating turning the thermostat down; instead, he advises to regularly check with your energy company that you're not overpaying them via your direct debit payments. Lewis explains: 'Most issues are because monthly direct debits are based on an estimate of your usage. These estimates can be way out, especially when new to a firm and it has little to go on.'

It may well be that your estimate was set too high, and you've built up too much energy credit over the warmer months. You can find out the balance of your energy account by writing to or calling your energy provider, in case you don't receive regular bills. You can then change your direct debit amount if it's too high (or too low, for that matter you don't want to discover you're hundreds in debt by spring).

Everyone knows they can save money by switching energy suppliers but that only applies to electricity and gas. You can't choose your water supplier, so most assume that what they pay for the water bills is just what it is. Not so, Lewis advises, pointing to savings of anywhere between 50 and 300 that can be made by installing a water meter at your property.

Of course, it's not always worthwhile getting a water meter, because the estimate water usage your bills is based on may well be close enough to not make much of a difference. However, Lewis has this golden rule for deciding whether you will save by switching to a meter: 'If there are more bedrooms in your home than people, or the same number, check out getting a meter.'

Lewis has spoken about this many times, but it's especially relevant now that credit card is rising for many of us during a pandemic. With most savings rates 'crap', as Lewis bluntly puts it, 'first consider using them to clear expensive debts, including your mortgage.' It may feel counterintuitive and even scary to clear out your savings account, but if the interest rate of your debts is higher than that of your savings (and currently it will be), then you're not actually saving anything by not clearing your debts as soon as you can.

Can't afford to clear your credit card debt? Lewis advises to get a balance transfer to a zero-per-cent card: 'you can't afford not to', he says.

Of course, remortgaging can be expensive, especially if there are exit fees concerned, but if you are 1) on a long-term fixed rate that is no longer competitive, or 2) coming to the end of your current fixed term, you should look into remortgaging. 'It's worth a look, assomeone on a 4-per-cent standard rate, borrowing 150,000 over 25yrs, could save 2,000 a year switching to the cheapest deal.'

Find the best mortgage rates using our guide.

If your savings are sitting in accounts that are earning 0.5 per cent or lower, you need to look into what other accounts you could use with better returns. Lewis advises to check out regular savings accounts ('it's still just about possible to earn 3 per cent interest on savings tax-free), premium bonds (if you have over 5,000), and Lifetime ISAs, which can give you a 25-per-cent boost if you're planning to buy your first home.

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Letters to the Editor, February 17, 2021 – Mad River Union

Posted: at 2:43 pm

Non-extremist Christians still alive, well and around

As a Presbyterian minister in McKinleyville, I feel compelled to respond to Gail Ledbetters Christians gone awry piece in last weeks Union. As with Jan Phelps letter concerning religious hypocrisy, it might surprise Ms. Ledbetter that I agree with almost everything she and Ms. Phelps said, except for her last paragraph in which she writes, Decent, kind, inclusive, forgiving, loving Christians seems to have gone silent or disappeared.

Unfortunately, it seems that White Christian nationalists are the only ones getting media attention these days especially on the national scene the most recent example being that of the insurrection that took place at our national capitol on January 6th.

Ms. Ledbetter astutely points out that this kind of so-called Christianity is every bit as hateful and backward as Muslim extremists. I would also add that every major world religion has their extreme splinter groups: Judaism, Islam and Christianity. Think of the Jews who want to annihilate the Palestinians, Islamic terrorists, the Ku Klux Klan, Proud Boys, Oath Keepers or whatever modern White Supremacists call themselves these days they are all terrorists, we must now recognize that some of them are home grown.

I am sorry Ms. Ledbetter has a relative that prays to Trump, but this is not Christianity, it is idolatry, and those who claim to be a person of faith who worship anything other than God are following a cult, not a religion. They most certainly are not listening to the teachings of Jesus. And just so I am not accused of being judgmental, I believe that every person has their own unique path (or not) to the divine life, and that path should be respected. However, praying to a person, as opposed to praying for someone, is idolatry by any world religions definition.

My husband (a Lutheran pastor) and I have been preaching and teaching against the dangers of fascism and white supremacy for most of 2020. The parallels between what happened in Germany with the Third Reich and our own country should be alarming for anyone paying attention including the Christian churchs complicity and silence. We have been trying to make our voices heard, but unfortunately, forgiveness, inclusivity and love rarely get media attention. Hate and violence increase ratings and make money!

Our church, Grace Good Shepherd, had a confrontation with a truck load of Trump supporters when they drove up on our lawn because of our Black Lives Matter sign that also supported immigrant and gay rights. We are doing our best to practice what we preach, but it is difficult when a lot of people want to assume all Christians are the same. We are not perfect, none of us is, but we are trying to live as Ms. Ledbetter was raised, that God is Life, Love, Truth, Spirit.

There was a small Confessing Church in Germany who worked against Hitler and even saved many Jewish people from certain death. While I hope it never comes to that, I know there are several progressive churches in Humboldt County, as well as synagogues, and Buddhist groups who do not support religious fundamentalism or white Christian nationalism, but embrace the Golden Rule. I, too am sad, sad that our voices have not been loud enough to hear.

Deborah HubbardMcKinleyville

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Affirmation matters

A few members of our Humboldt Unitarian Universalist Congregation stand on a Eureka corner Saturdays during the noon hour with a Black Lives Matter banner. Were encouraged by friendly waves, smiles, peace signs, and thumbs up from passing drivers.

Were also perplexed and saddened that our witness is occasionally responded to with obscene shouts and gestures. How can a simple affirmation in support of allowing people to live evoke such vehement anger?

Nearly every Saturday, at least one passer-by says, All lives matter. We answer with an agreeable nod, smile, and thumbs-up. When, however, ALL LIVES MATTER (plus a four-syllable expletive) is yelled at us in rage as the driver accelerates away, were unable to respond.

On occasions when a pedestrian has stopped to talk or a driver has parked and walked back to join or question us, our conversations have been positive.

Not one of us denies that all lives matter. Nor suggests that only Black lives matter.

We stand to protect people who are at risk. We have to recognize how often Black people are reacted to with fear, suspicion, violence and murder. Our country has awakened to the urgency of repairing fractured and antagonistic relationships.

Let us all say, All lives matter and really mean it.

If any of us find ourselves unable to publicly say, Black lives matter, we must ask ourselves, What is preventing me from affirming the value of Black people?

Alison ODowd, ArcataAllison Bronkall, EurekaBerti Welty, IndianolaBeverly Morgan Lewis, EurekaBonnie MacGregor, McKinleyvilleCelestine Armenta, BaysideCena Marino, EurekaChip Sharpe, BaysideColleen Broderick, Humboldt HillCynthia Chason, McKinleyvilleDavid Marshak, ArcataDeborah Cooper, ArcataJohn Schaefer, ArcataKate McClain, McKinleyvilleMary Jo Stepp, ArcataPeggy Ho, CuttenSylvia Shaw, ArcataTerry Uyeki, McKinleyville

Reform Arcata House

I wish to rebut Darlene Spoors grandiose opinion of the success of the Arcata House Partnership (AHP) of which she heads up as its top director.

Through my own (very personal) experience and having also viewed the treatment of other of their clients and former employees, AHP has, too often, lacked common respect of these individuals and their basic human rights and dignities.

Being a non-profit, 501(c) organization, they, like religious, faith-based organizations, seem to be exempt from the same rules and conduct that are required by a public funded, civil government.

All such organizations such as AHP should be made to adhere to a (protected) standard of correct and humane treatment to all clients, under the law.

Furthermore, any such organization receiving public funding and government grants should have close oversight and review by the government and the general public. The local governments should put in place open grievance procedures for any complaints, and records should be kept and referred to, before allowing any further funding of such a group.

When and if any civil government wishes to avoid and relegate their rightful duties to an outside organization, they must then become ultimately responsible for such an organization.

Lastly, I welcome and look forward to any responsible, non-partisan, open investigation and review the workings of AHP during the last five years.

These and all such groups should allow anyone having concerns to openly address their entire Board of Directors in an open meeting to demand proper connections and total transparency.

Thank you,Michael Robert LangdonArcata

Levels of scumbag

A letter submission attempting to defend the Antifa-led riots in Portland and Seattle resented being compared in a previous submission to the Insurrectionists in the U.S. Capitol.

I can see the point, as the latter certainly has serious implications for democracy. I found it ironic that the defender of Antifa said there was no organization and no leaders and the rioters werent really Antifa, but the rioters put up an Antifa banner with the Antifa cause.

Since the letter writer said there was no organization or leaders and the rioters said they identified with Antifa, the letter writer was in no position to say they were or werent.

They trashed Democratic offices and protested Joe Biden, but property damage is not commensurate with a violent attempted coup. One hundred percent agree.

You did realize that in October, a self-identified Antifa sympathizer shot dead a right wing protester, and later was shot and killed himself by U.S. Marshals. That sounds suspiciously like a bit more than property damage, especially when one factors in other deaths and mayhem in the occupied area of Seattle.

Perhaps we can agree that the rioters identifying as Antifa are not the same level of scumbag as the Insurrectionist mob. Its not a ringing endorsement, but it is the best I can muster.

Regards,John DillonEureka

Why the D.C. riots?

On Jan. 7, the day after the D.C. riots, I sent an opinion piece to the Washington Post that went unpublished.

I did not submit it locally because it was more likely that our elected officials would see it in the Post.

By the time the Post responded to my opinion the topic was no longer news worthy.

Today (Feb. 10, wapo.st/3a6loif) the Post published the result of their investigation into the people that have been arrested as a result of the riot and now my topic is pertinent again. My comments are below:

I hope that you, elected official, do not think that you are innocent victims in the D.C. riots that occurred on Jan. 6.

Trump cannot be crazy if he has nearly half of the nation willing to support him in such an undemocratic demonstration. He has tapped into the anger, frustration and mistrust that the declining middle class has and he is using that to bludgeon his way into power.

You, elected officials, are the ones who have set the stage for Trumps assent. You, elected officials, stood by and continue to make policies that have eviscerated the middle class.

So now, you, elected officials, get to experience in small part what your poor judgment has foisted on the nation.

For three generations the middle class has experienced governmental policies that have resulted in a declining standard of living.

The working class is fully aware of your practice of favoring corporate profitability and high-income donors while withholding approaches that would grow the economy from the bottom up.

You are not kidding anyone. After all these years, your policies have not created a rising tide.

So, elected officials, look in the mirror. See how you have managed our Democracy to the point that such a siginificant percentage of the populace is willing to not only vote for a fluke like Trump but is willing to riot on his command. You are not innocent victims!

But you are the leadership that we need at this time. We need you to guide us into a democracy that values the working class. I urge you to begin anew and make choices that will build the middle classs earning power.

I urge you to think about the part you play on the stage of democracy and act in a manner that benefits all the people of this teetering nation.

Patti RoseMcKinleyville

A spectres summary

As you recover from watching rampaging rednecks take a gnarly dump on democracy, far be it from me to drop another psychogenic bomb on your already shell-shocked wits.

But as I assume my role as the spectre at the banquet, I must take sardonic pleasure in assuring you that even as the Cheeto-in-Chief does a Twitter-less fade-out to Florida, you still aint safe!

Even if Chuck Schumer has a fit of fortitude as the Senate does a weak flip from right to left, they are still out there and they are still gonna getcha! Right about now youre reaching for your cell phone to call 911 as you look furtively up and down the street through the window blinds. Whats this guy talking about? Whos gonna get me?

Cmon folks, you know who they are. The deceptively human-looking alien lizard-creatures disguised as your friends, co-workers and that in-law whose name you can never remember.

The smiling faces who pretended to celebrate the end of racism in America with you when Barack Obama was elected then voted to send your ass on a collision course with a bunch of whack jobs having a Tea Party.

Like kids who act up most right before lights-out, they lasted a couple of election cycles before getting tired and put to bed. But then the Angry Creamsicle woke them up again. With Captain Chaos in the White House they felt safe enough to reveal their true form; you saw them on TV brandishing torches in Charlottesville and assault rifles in Kenosha.

On Jan. 6 you watched them kill a police officer for doing his job even as another officer narrowly saved the Vice President from getting hung for doing his.

Dont let them gaslight you into thinking theyve given up as they take on human form again, hiding right in plain sight as someone you think you know.

When youre not watching theyll conjure alternate reality conspiracy theories in online Cult45 forums as they wait for an opportunity to strike again from their outpost on the Planet of the Screaming Carrot Demon.

Theyll be the ones quietly electing wingnuts anxious to legislate their certainty that devil-worshiping pedophiles are trafficking child sex while drinking blood with Hillary Clinton in the basement of a pizza parlor.

Theyll be the closet patriots having a field day as they rush to fill out the paperwork for candidacy in 2022, looking for new and improved ways to keep anybody who isnt white from voting.

The only way this scenario doesnt end with the Forces of Evil marketing an upgraded version of Agent Orange four years from now is if people realize the threat not only walks among us, folks, it votes. Without a firewall of people casting votes for anyone whose platform doesnt resemble something written by Ted Nugent on acid, Cheeto Jesus apostles will happily take Congress back.

Dont assume Joe Bidens election means the worst is over, or that everyone who supports Fuckface Von Clownstick wears a MAGA hat.

This is where I am compelled to remind you that the price of freedom is eternal vigilance. In short, if you snooze, you lose.

David CourtlandThousand Oaks

The enemy is within

Is the pro-pandemic, genocidal GOP still the party of the defeated, deranged racist traitor Donald Trump? Or is the Republican Party now following the fanatical footsteps of that other infamous homicidal American politician Dan White, the crazy ex-cop who murdered San Francisco Mayor George Moscone and Supervisor Harvey Milk?

Actually, FOX News favorite fresh fascist face Marjorie Taylor Greene (R-Georgia) appears to conveniently enough be the political combination of Donald Trump and Dan White a pathologically dishonest, crackpot QAnon conspiracy theorist whose hatred is clearly putting her on the path of political assassination and domestic terrorism. Marjorie is a violent psycho!

But the tangerine tyrant Trump says Greene is a future Republican Star. Heres a suggestion for you neo-Nazi Republicans: next time you attempt a domestic terrorist takeover, hijacking the federal government with hateful hillbillies is probably not the most effective approach.

No Twinkie defense for Trump.

Sincerely,Jake PickeringArcata

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Preacher’s Point: Heart, mind and soul – Morrow County Sentinel

Posted: at 2:43 pm

Jesus had a way of having the last word. A good example is when the scribes and Pharisees brought to Jesus the woman taken in adultery. After He said, He that is without sin among you, let him first cast a stone at her (John 8:7), all the womans accusers left. There was nothing more to say, no more argument to hold. The truth of Christs words was enough to end the conversation.

There had been a long ongoing attempt by the religious leaders of the day to discredit Jesus. They accused Him of working with Satan (Matthew 12:24). On another occasion, Jesus gave sight to a man, and they cursed him for doing work on the Sabbath day. The list goes on, but everything Christ did came with accusations of evil by His enemies. The scribes, Pharisees, and Sadducees were relentless in their pursuit of dirt on the Son of God because He was eating into their popularity and power.

The Pharisees last attempt to silence Jesus by nonviolent means comes as soon as they realized He had silenced the Sadducees. Again, He has the last word, but He also gives the secret of making life decisions both short and long term.

After three years of trying to entangle Jesus in His words, the Pharisees decide to send someone to Jesus that is an expert at twisting words a lawyer. The goal here is to get Jesus confused, force Him into a corner, or entangle Him in His words. They want to get Him to either contradict Himself, say something against the law, or give Him an unanswerable question. The purpose of this is to make Him look bad to the people, someone who is unworthy of their worship and devotion.

The conversation lasts for one question, and one answer when this failed, the Pharisees start the plot of Christs execution.

The attorney asks, Master, which is the great commandment in the law? There is little doubt that this was a leading question, but because of the Saviors wisdom, the lawyer will have nowhere else to go.

Jesus said unto him, Thou shalt love the Lord thy God with all thy heart, and with all thy soul, and with all thy mind. This is the first and great commandment. And the second is like unto it, Thou shalt love thy neighbour as thyself. On these two commandments hang all the law and the prophets.

There is no reason to discuss the law any further. All the law hangs on loving God and loving your neighbor.

For us today, Jesus has just established our decision-making process. Does what we want to do show love to God? Does it show love to those around us? If the answer is yes, proceed. If the answer is no, do not move forward. As with all decisions, there are many small factors to consider, but here are our general guidelines.

As Jesus said, our love for God needs all thy heartall thy soul, andall thy mind.

The heart is the seat of our emotions. We choose our emotions. If you had ever taken a minute alone before you confronted someone about something they did, you understand this concept. You are angry; you believe your anger may cause you to say or do something you will regret later. Therefore, you step aside for a minute and allow the mood to dissipate for a minute. You decided to get the emotion of anger under control before proceeding with the situation. When we love God with all our hearts, we allow Him to take control of our emotions.

The soul is our personality. What makes us who we are. With work, our soul can change. Someone greedy, through the work of the Holy Spirit, can become benevolent. When we love God, we give Him our soul. Through the process of time, He will work within us to make us more like Him. As He is the potter and we are the clay, He molds us (our soul) to be more like Him. But we must give Him our soul, and we will not do this unless we love Him with our soul.

Our mind is how we think. How we think is the basis of our decision-making process. When we love God with our mind, our mind will concentrate on things pleasing to God; see Phillipians 4:8.

Loving our neighbor as ourselves is another phrasing for the golden rule do unto others as you would have them do to you (Matthew 7:12).

How much do you love God? Does He control your emotions? Do you allow Him to mold your personality into His likeness? Do you consider your thoughts; are they thoughts Jesus would warrant worthy?

If the answer to any of those questions is no, can we claim we are following God?

Johnson is pastor of Countryside Baptist Church in Parke County Indiana. Email: preacherspoint@gmail.com. Website: http://www.preacherjohnson.com. E-book: http://www.amazon.com/dp/B00TUJTV2A If you email, inform me where you have seen Preachers Point. Viewpoints expressed in the article are the work of the author. The Daily Advocate does not endorse these viewpoints or the independent activities of the author.

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Letters to the Editor – Geauga Maple Leaf

Posted: January 29, 2021 at 11:53 am

Golden Rule

Do unto others as you would have them do unto you. That is the Golden Rule that we hope our neighbors will live by. That is the rule that Geauga Countys neighbor, the City of Akron, threatens to violate.

Akron owns 475 acres of land in Geauga County that includes the LaDue Reservoir. LaDue is a beautiful, environmentally-sensitive watershed protection area, upstream from Akrons main drinking water supply along the Cuyahoga River.

LaDue is also smack-dab in the middle of Geauga Countys drinking water supply. Ninety-seven percent of us in Geauga County rely on water wells (groundwater) for our drinking water.

Akron is considering a lease deal with a private company that will allow that company to horizontally drill and frack for oil and gas under LaDue. They would receive $237,500 and 15% of royalties for any oil or gas produced. Not much money, really, for compromising the integrity of Geauga Countys groundwater, negatively impacting our quality of life and costing us unknown thousands of dollars for additional road maintenance and other public services.

Think about industrial activity along the shore of LaDue the noise from the machinery, the air pollution, frack fluid, oil, condensate, spills on the surface going into the reservoir.

Think about the parade of trucks on our roads, bringing in equipment, crews, the tons of sand needed for fracking. Think about the water needed to frack. Will those millions of gallons come out of the reservoir? How will that affect the reservoir itself and the flora and fauna in the area?

Think about how the underground drilling, the extraction of water from the reservoir, and possible spills will compromise our groundwater, the water that we drink every day.

Akron City Council needs to remember the Golden Rule and consider its neighbors in Geauga County. If youd like to let Akron know how you feel about their proposal to allow fracking at LaDue, you can make a public comment to City Council by email atpubliccomment@akronohio.govor by voicemail at 330-375-2566.

Shelley CherninRussell Township

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RELIGION: Now is the right time | Opinion | montrosepress.com – Montrose Daily Press

Posted: at 11:53 am

These are challenging times, and we are being called to make decisions that not only affect our own lives, but the lives of others. To paraphrase a recent ad on television, Its not enough to do it alone, we must do it together. We have so many its today that we are often overwhelmed and dont know what decision to make. Part of that feeling is the impact our decisions have on others.

It is more and more evident that the world is at a crossroads: We can continue to work alone, or we can find new ways to work together. The COVID-19 pandemic has shown us that the solution to a healthy world can only come when each person in the world is healthy and protected. We can only reach that goal by caring for and working for others, as well as for ourselves.

The many protests, here at home, and in other countries, are calling us to have patience with one another, to listen to each other, to find the truth of the issues, and come up with mutually beneficial and just solutions. We cannot do it alone. We must do it together with mindful cooperation and trust. Working together we can and will find solutions.

At times like this our deepest spiritual faith sustains us. It is the underlying resource for helping us make these important and sometimes difficult decisions. What are the teachings of our faith? What does our faith tell us about working together? How are we to work together? The answers to these questions and our willingness to follow them are more important than ever for the world to survive.

This crossroads we are at right now is no less than the shifting of the consciousness of the world to a higher spiritual level. All species evolve, they dont devolve. We cannot go backwards; we must go forwards. For humanity that means our consciousness must evolve from doing it alone to doing it together. It is a conscious shift in perspective from the good of the one to the good of all.

Humanity already has one great resource to help us move forward. That resource is found in all religions. It is one common truth the Golden Rule. The words may be expressed differently in each religion, but the meaning is the same. We are to treat others as we wish to be treated. It is no coincidence that this important and basic spiritual teaching has survived throughout the centuries to help us in this time.

The Golden Rule has always been a good basis for making decisions. Will this decision reflect how I want to be treated? Is this decision loving, kind and positive? If the decision does not meet these guidelines, its time to reconsider. And it works for small decisions as well as larger ones.

We celebrated Martin Luther King, Jr.s life this week and his passion for helping humanity evolve. He said, Its always the right time to do the right thing. He was not talking about the right that people expound upon when they want their own way. He was talking about the deeper meaning of the word right.

How do we know what is right? Websters Dictionary gives us this definition of the word: Something that is correct, just, proper and honorable. The Bible and other sacred scriptures explain that right is the truth of the divine working in consciousness. What is the truth of the divine? It is a knowingness about goodness found in the deepest part of our hearts, the sacred part. We often talk ourselves out of making the right decision. We reason, we bully, we insist, all the while trying to ignore what our sacred heart is telling us. And when we take action on that false decision, we usually suffer the consequences because we did not listen to the Voice of God.

We can no longer follow this old way. It is time for us to evolve and use our consciousness as God intended us to do. The Golden Rule can be our guide. Listening to the voice of God in our heart can direct us to right action. We are at the crossroads of humanitys evolution. We can either help each other to make the way easier or hinder the progress. There is no turning back. We must go forward prayerfully together with justice, honor, love, kindness, compassion and trust. The hope for the future is in our hands. Now is the right time to do the right thing.

Rev. Arlyn Macdonald is the senior minister of the Spiritual Awareness Center and Dean of the Spiritual Development Institute.

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How to Use Robinhood Without Losing Your Shirt – Lifehacker

Posted: at 11:53 am

Photo: OpturaDesign (Shutterstock)

As WSJ columnist James Mackintosh recently pointed out: the stocks that did best last year were priced below $1, which is odd, because a stocks price tells you almost nothing about the company. This market behavior coincides with the recent rise of individual investors using trading apps, with users flocking to Robinhood because of its ease-of-usebut is the app too easy to use? Do hobbyist traders even know what theyre doing?

The benefits of democratized trading shouldnt be dismissed out of hand, but it exists in tension with the fact that some people should simply stay well clear of trading apps. Per a recent New York Times feature, studieshaveshown that the more small investors trade stocks, the worse their returns are likely to be.

Robinhood, like other retail trading apps, lets individuals buy and sell stock, as well as other, more complicated trades. The knock against Robinhood is that, compared to other apps, its a hotbed of aggressive trading made worse by how the app gamifies the user experience. Per the Times :

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The golden rule of trading is to never invest what you cant afford to lose. Unless youre an experienced trader who knows how to evaluate a company based on its balance sheet, cash flow, market share, or management, youre probably better off thinking of trading as gambling, and applying the same precautions. Here are some tips on staying responsible with your money. Otherwise, if youre interested in trading, Nerdwallet has a good overview of best practices for day trading that can help you from getting fleeced in the long run.

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Vox Populi: ‘All community pharmacies need to get the COVID-19 vaccine …’ – Savannah Morning News

Posted: at 11:53 am

Savannah Morning News| Savannah Morning News

Vox Populi is the voice of the people. Leave your comments at savannahvox@gmail.com or 912-525-0869.

"The U.S. is averaging folks 1.16 million vaccine doses per day. If this keeps up, the goal of 100 million in 100 days shouldn't be too hard to reach. Isn't politics great?"

"John Kennedy's famous 'Ask not ...' speech has certainly been cast just side of the current crop of Democrats."

"To would-be car thieves in Savannah: We now keep our pet snake in the car. If she crawls up your leg don't flinch or you might get bit."

"Does Air Force One use fossil fuel?"

"Biden needs to be impeached for treating the National Guard very badly in Washington D.C."

"I think I will move to Ireland. All of our corporations will when the tax increases come."

"How is it that Bulloch Co., Effingham Co., Bryan Co. and all the private schools in Chatham County can figure out how to get the kids back to school but Chatham County public schools cant?"

"Bidens inauguration ceremonies gave a new definition to 'rent-a-crowd.'"

"All community pharmacies need to get the COVID-19 vaccine as soon as possible so neighborhoods can quickly get vaccinated."

"If it weren't sad it would be ludicrous: The rioters yell 'Treason' when they are the ones committing it."

"In order for the nation to truly heal and unify, Democrats must practice what they preach and reacquaint themselves with the Golden Rule."

"If Congress really wants to improve the health of poor people it would restrict the use of food stamps to healthy food."

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Vox Populi: 'All community pharmacies need to get the COVID-19 vaccine ...' - Savannah Morning News

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Rangers are learning the ‘don’t stand still’ transfer golden rule Celtic have failed to adopt – Scottish Daily Record

Posted: at 11:53 am

Stephen Craigan has warned Rangers fans the impending arrival of new signings means the club are planning for some of their current stars to move on.

Rangers have agreed a pre-contract with Aberdeen star Scott Wright while Nnamdi Oforboh and Jack Simpson of Bournemouth are close to finalising their deals.

Stewart Robertson explained at the club's AGM they would be looking to implement a player trading strategy where one or two of the major assets would be sold each summer.

It's a similar model to many other top European clubs outside of the top five leagues and Craigan reckons the Ibrox club are well placed to capitalise after some intelligent work in the transfer market.

And they key element in ensuring the system works is the continual renewal of the squad, something the Northern Irish pundit isn't convinced rivals Celtic have done.

Asked about the impending arrival of Ofoborh, Craigan told Go Radio: "If you looked at Rangers squad just now you'd think you'd think at some stage, some are going to have to exit the club.

"You can't just keep adding and adding and adding.

"I know Stewart Robertson said a few weeks ago that the club's business model will be that they have to sell one, maybe two players in the summer.

"Steven Davis is 36, Bongani Zungu is on loan. Is that something they would look at? Is that possibilities for players to exit and bring others in?

"Steven Gerrard will have realised what he needs to be successful in Scotland. He knows the types of players he needs.

"I think they are going for young players with room for improvement.

"Even Ryan Kent - they bought him for 7m but Leeds value him at 15 so there is an upturn in value and when you look at the likes of Joe Aribo, Calvin Bassey and Glen Kamara who they got for 50k. It's as if that's the market they are shopping in."

He continued: "Look at Celtic. There's a huge rebuilding job in the summer. If you stand still and don't move quick you miss out on these sort of players."

Read more here:

Rangers are learning the 'don't stand still' transfer golden rule Celtic have failed to adopt - Scottish Daily Record

Posted in Golden Rule | Comments Off on Rangers are learning the ‘don’t stand still’ transfer golden rule Celtic have failed to adopt – Scottish Daily Record

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