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Rediscovering Lost Values Through Partnerships




This motivational speech was presented at Delta College, Bay City, Michigan, and Wednesday, January 20, 2010. We felt the information contained within this speech would be beneficial to families throughout the world. Please enjoy reading the inspirational information. The audience consisted of college students and teachers. The speech was modified for the website.

It’s a tremendous honor to celebrate with you a great leader Martin Luther King (MLK) who is now with many of our great ancestors. Martin Luther King lived and died for the freedom of all mankind. His heart was linked to the injustices he observed in our nation. He found his niche and he died for equality and justice for all mankind. We have focused over the past years on his famous speech “I have a Dream”.

However before King became famous, he gave a speech February 28, 1954 in Detroit, Michigan titled “Rediscovering Lost Values”. In King’s speech, He spoke of our great scientific achievements through scientific genius.

He states and I quote: “Man’s scientific genius has been amazing. I think we have to look much deeper than that if we are to find the real cause of man’s problems and the real cause of the world’s ills today. If we are to really find it I think we will have to look in the hearts and souls of men.”

King spoke of those words fifty-five (56) years ago. It is as though he is speaking to us today. It is very important for us to rediscover our lost moral Values. There are twelve steps to Rediscovering Lost Values Through Partnerships that will enable us to impact our families and our world. I truly believe we can through the use of partnerships.

A partnership is the relationship between two or more people or organizations that are involved in the same activity. There are twelve acrostic letters for the word p.a.r.t.n.e.r.s.h.i.p.s.

Step 1 is Personal: We have a Personal responsibility to contribute to the success of families, neighbors, friends, society, government, nations and businesses and the world. We must personally model moral values within the foundation of our own lives so it can transfer to our families and our world.

Step 2 is Adjust: We must Adjust to a changing world in order for our families and businesses to survive so we can prosper and use our prosperity and resources to respond to the needs relating to our families and in our communities; issues such as lack of spirituality, substance abuse, anger, education, unemployment, literacy, health care, poverty, crime, blight, housing, recreation, and the lack of unity.

Step 3 is Relationship: We must build a Relationship with each other in order to move in the same direction to address the aforementioned needs. We must bring our individual skills and talents to the table. We have a moral obligation to share our unconditional love with others.

Again I quote King from his speech, “Rediscovering Lost Values:” “But the real danger confronting civilization today is that atomic bomb which lies in the hearts and souls of men, capable of exploding into the vilest of hate and into the most damaging selfishness-that’s the atomic bomb that we’ve got to fear today.”

I personally believe we can quench the atomic bomb that lies in the hearts of people. Strong, healthy relationships project moral values to society.

Step 4 is Transform: Therefore, we must Transform our way of thinking by thinking outside the box to come up with new ideas and solutions. The world has changed and if our families, businesses and organizations are to survive, we need stable communities and skilled workforces that will meet the needs of society. Thinking outside the box gives us a new perspective on how to bring stability to communities.

Step 5 is Neglect: We must not Neglect those communities that are decaying but we must grow beyond our own selfish domain so others may be blessed by the fruits of our labor.

Step 6 is Effort: It will take great Effort to break down the walls of our own selfish domain but I believe through partnerships we can transform our communities and the hearts of people. I believe through removing selfishness from our life then through partnerships we will rediscover lost values.

Step 7 is Responsibility: We have a Responsibility and moral obligation to train and mentor our youth to carry the mantle of moral values. This should empower them to obtain the skills they need to build a strong family foundation. We want them to value education and entrepreneurship from generation to generation. This is the very reason we need to dedicate our hearts to our families.

Step 8 is Servant: We must consider valuing the need to be a Servant to each other. We should value the importance of volunteering our time to assist others, which will enhance society through the relationships we build. Yes, servanthood – if we all applied this to all our relationships the world would be different.

Step 9 is Honesty: Honesty must be an important part of the partnerships. We should never build relationships for selfish gains but contribute to the success of others. Honesty can be the driving force to help us to build the relationships needed to address the social ills of society.

Another quote from King’s speech “Rediscovering Lost Values:”

“But I’m here to say to you this morning that some things are right and some things are wrong. Eternally so, absolutely so.”

We should not allow our lives to be governed by selfishness, if we do, we will implode.

Step 10 is Invest: It will take our inner strength to Invest our time, resources and money into partnerships. But our own ideology can hinder partnerships, but I believe in the power of the human heart. With our hearts, we have the ability to influence the lives of people around the world. We can do both by bringing our own individuality to the table. I am sure we can form partnerships that can make us profitable so we can give back to help redevelop our communities.

Step 11 is Persevere: We must Persevere regardless of the obstacles we face because our communities, city, county, region, state, America and the world needs us. We can make a difference by making personal sacrifices to build a community of hope and rediscover moral values through partnerships.

Step 12 is Spirituality: Spirituality will play an important role in rediscovering the moral values of the world. We must not forget the impact God has had on shaping our lives and on the development of our nation and the world.

We need to come together as true partners if we are to survive during these difficult times. The family foundation is broken and we can repair family foundation by working together. It needs to be repaired in order to be successful in rediscovering moral values in the world.

Let me share an analogy with you. Here’s a simple question I need a response to. “What is a Piggy Bank?”

What are you investing in your piggy bank?

1. If you invest pennies in your piggy bank what can you retrieve from your piggy bank?
2. If you also invest quarters in your piggy bank what can you retrieve from your piggy bank?
3. If you now invest dollars in your piggy bank what can you retrieve from your piggy bank?
4. If you invest hundreds of dollars in your piggy bank what can you retrieve from your piggy bank?
5. If you invest thousands of dollars in your piggy bank what can you retrieve from your piggy bank?

You are correct you can retrieve pennies, quarters, dollars, hundreds of dollars and thousands of dollars. You have the option as to what you will retrieve from your piggy bank. I want you to know that the piggy bank represents your brain. Everything you have seen, heard and experienced is stored in your piggy bank (brain)

If you invest in negativity, immorality, selfishness, hatred, drugs, crime, yelling, cursing, fighting, deceptions and lies, that’s what you most likely will retrieve from your piggy bank.

In order to overcome the social ills of society, family problems, and our selfish hearts, we must invest wisely in our piggy bank. We must let our hearts focus on Rediscovering Lost Values through the twelve steps of P.a.r.t.n.e.r.s.h.i.p.s

I believe in you! I believe that God has set aside a remnant of people who will model moral values throughout the world.

Repeat after me three times:

I will invest wisely in my piggy bank.
I will invest wisely in my piggy bank.
I will invest wisely in my piggy bank.

I encourage you now to use your heart, soul, and mind to apply your investments wisely into society.

God bless you and your family, God bless America and the world as you invest wisely in Rediscovering Lost Values through P.a.r.t.n.e.r.s.h.i.p.s


Source by Billy J Strawter Sr

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Where to Find Those Efficient and Hardworking Affiliates?




Everyone wants a hardworking affiliate, employee, associate, partner, or even spouse, and why not? It’s the next best thing to doing the work yourself. However with the massive outbreak of work and income opportunities available online, how can you beat everyone else and find that one (or more) ideal person who will make your online business explode with success? Here are some of the most ingenious and uncommon ways to snag the idea affiliates for your affiliate program

Direct Sales Agents

Direct sales people are really one of the most enterprising, hard-working individuals in business. They mostly work on commissions or rebates and are willing to literally go door-to-door offering their products to anyone and everyone they bump into. Imagine how much easier their job would be if they could be an affiliate and simply work via the Internet and a mobile device or desktop.

Also, most direct sales people tend to carry more than one brand in their product arsenal so signing up as an affiliate would be almost the same type of work but using a different approach.

Colleges and Universities

Many college kids would be interested in a part-time income opportunity if it would mean funds to help pay for their education, loan, or partying. All you have to do is make sure to offer them products they can endorse as a student.


Did you know that the U.S. Census Bureau’s latest annual report show that 75% of U.S. businesses used freelancers in 2011? Freelancers earned a whopping US$990 billion in 2011 which is a 4.1% increase from the previous year. The only industries where the number of freelancers decreased were in insurance, finance, and construction. Most probably your affiliate program isn’t a part of these 3 industries.

Furthermore, online business and finance experts are predicting the growth to increase incrementally every year even with an economy that is improving. People just want income security and more control over their earnings. With the spate of lay-offs, it’s understandable why many would prefer to work as an affiliate than as an employee.

Scout For Them At Affiliate Conventions

There are annual affiliate conventions held in different cities around the country. You should try to catch one when it is held somewhere near your location. The average turn-out for these types of conventions has increased regularly over the years. Last year, many of them were sold out weeks before the event.


The US Census Bureau has said that as of 2012, 15% of Americans are poor, 43% of young adults depend on their parents to some extent for money. Even more surprising is that the median income of young adults in 1982 was $31,583 and last year it was $30,604 for the same age group! Income is dropping and people are looking for ways to earn additional income outside of their 9 to 5 jobs. That’s where you can come in playing the hero and helping others realize their dream income.

Finally, go online and talk about your product. Make the affiliate marketers come to you and have the luxury of picking the best candidates. You will need some help in marketing your affiliate program so target a marketer who’s experienced in affiliate program and SEO.


Source by Lina Stakauskaite

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Recession Is Here… Six Costly Mistakes Home Sellers Make During Recessions And How To Avoid Them




The U.S. is officially in a recession. What is a recession? A recession is a business cycle contraction or general economic decline due to significant drop in spending and other commercial activities. Most pundits and politicians will blame Covid-19 crisis for the recession, but even pre-Covid-19 the proverbial writing was on the wall.

The U.S. had over 120 months of economic growth, which was the longest expansion in the modern history. Other indicators, such as negative yield spread on treasuries (long term bonds having lower interest rates than short term T-notes), were pointing to an imminent change of the economic cycle and an impending recession. The only real question was: when and how bad?

Then Covid-19 came… If the cycle was going to change anyway, Covid-19 acted as a huge and unexpected accelerant to make the recession much more immediate and severe.

Inevitably during recessions all classes of real estate, including residential homes and condominiums, will be negatively impacted as lower consumer spending and higher unemployment rates affect real estate prices and marketing times.

Here are the six costly mistakes home and other real property sellers make during recessions and how to avoid them:

Mistake #1: This will pass and real estate market will be hot again soon

First thing to remember is that real estate cycles are much longer than general economic cycles. Even if the general economy recovers, which eventually it always does, a typical real estate cycle takes as long as 10 to 15 years. The cycle has four key stages: Top, Decline, Bottom and Rise.

Let us consider the last real estate cycle, which lasted approximately 14 years:

  • 2006 – Prices hit the Top
  • 2006 to 2012 – Prices Decline
  • 2012 – Prices hit the Bottom (Trough)
  • 2012 to 2019 – Prices Rise*
  • 2020 – Prices hit the Top
  • 2020 to? – Prices Decline

*NOTE: In 2016 the national residential real estate price index reached its pre-recession 2006 peak levels. It took 10 years for the real estate market to recover.

The way to avoid this mistake is to recognize that real estate cycles take years to run and plan accordingly. Additionally, nobody knows for sure when the prices will hit the top or bottom until after the fact.

Mistake #2: Low interest rates will make the economy and real estate market rebound

Between 2006 and 2011 the interest rates (Fed Funds) were continuously cut by the Federal Reserve Board and went from low 5% to almost 0%. However, that did not stop the real estate recession and depreciation of property values.

Undoubtedly, low interest rates made the economic decline and real estate recession less severe and saved some properties from foreclosures, but it still took six painful years for the real estate market to hit the bottom and then four more years for the prices to go back to their pre-recession levels.

Some markets had never fully recovered. For example, residential home prices in some parts of California, Arizona and Nevada are still below their 2006 highs.

To avoid this mistake, one needs to realize that although low interest rates help stimulate the economy and the real estate market, they do not cure them.

Mistake #3: I don’t need to sell now, so I don’t care

If you do not need to sell until the cycle plays out, which typically is over ten years, then you will not be as affected, especially if you have a strong equity position, limited mortgage debt, and solid liquid assets.

However, it is good to keep in mind that “life happens” and either professional or personal circumstances can change and we may need to sell property before the downturn runs its course.

Furthermore, if a property has a mortgages and its value declines to the point being “upside down,” meaning the mortgage loan balance exceeds the value of the property, then the options of selling, refinancing or even obtaining an equity line of credit, will be significantly limited.

This does not mean that everybody should be rushing into selling their real estate if there is no need to do so, just keep in mind that circumstances may and often do change and property options will be affected, so plan in advance. As one wise proverb says: “Dig your well before your thirst.”

Mistake #4: I’m selling, but I won’t sell below my “bottom line” price

This is a common and potentially very costly mistake. Generally speaking, every seller wants to sell for the highest price and every buyer wants to pay the lowest price. That’s nothing new. When selling real estate, most sellers want to achieve a certain price point and/or have a “bottom line.”

However, it is important to understand that the market does not care what the Seller, or his/her Agent, think the property value should be at. The market value is a price a willing and able buyer will pay, when a property is offered on an open market for a reasonable amount of time.

Overpricing property based on Seller’s subjective value or what is sometimes called an “aspirational price,” especially in a declining market, is a sure first step to losing money. When a property lingers on the market for an extended period of time, carrying costs will continue to accumulate and property value will depreciate in line with the market conditions.

Additionally, properties with prolonged marketing times tend to get “stale” and attract fewer buyers. The solution is to honestly assess your selling objectives, including the desired time-frame, evaluate your property’s attributes and physical condition, analyze comparable sales and market conditions, and then decide on market-based pricing and marketing strategies.

Mistake #5: I will list my property for sale only with Agent who promises the highest price

Real estate is a competitive business and real estate agents compete to list properties for sale which generate their sales commission incomes. It is not unusual that Seller will interview several agents before signing an exclusive listing agreement and go with the agent who agrees to list the property at the highest price, often regardless if such price is market-based.

Similarly to Mistake #4, this mistake can be very damaging to Sellers, as overpriced properties stay on the market for extended periods of time costing Sellers carrying expenses such as mortgage payments, property taxes, insurance, utilities and maintenance.

Furthermore, there is the “opportunity cost” since the equity is “frozen,” and it cannot be deployed elsewhere till the property is sold. However, the most expensive cost is the loss of property value while the real estate market deteriorates.

During the last recession, we have seen multiple cases where overpriced properties stayed on the market for years and ended up selling for 25% to 40% below their initial fair market values.

The solution is to make sure that your pricing strategy is based on the market, not empty promises or wishful thinking.

Mistake #6: I will list my property only with Agent who charges the lowest commission

Real estate commission rates are negotiable and not set by law. A commission usually represents the highest transactional expense in selling real properties and is typically split between Brokers and Agents who work on the transaction

Some real estate agents offer discounted commissions, in order to induce Sellers to list their properties with them. But does paying a discounted commission ensure savings for the Seller? Not necessarily.

For example, if the final sales price is 5% to 10% below property’s highest market value, which is not that unusual, due to inadequate marketing, bad pricing strategy, and/or poor negotiation skills, it will easily wipe out any commission savings and actually cost the Seller tens of thousands of dollars in lost revenues.

The solution is to engage an agent who is a “Trusted Advisor,” not just a “Salesperson.” A Trusted Advisor will take his/her time and effort to do the following: 1) Perform Needs Analysis: listen and understand your property needs and concerns; 2) Prepare Property Analysis: thoroughly evaluate your property and market conditions; 3) Execute Sales and Marketing Plan: prepare and implement custom sales and marketing plan for your property; and 4) Obtain Optimal Results: be your trusted advocate throughout the process and achieve the best possible outcome.

Finding such a real estate professional may not be always easy, but it certainly is worth the effort and will pay off at the end.

In conclusion, this article has outlined six costly mistakes real estate Sellers make during recessions and how to avoid them. The first mistake is not understanding that real estate cycles are long and take years. The second mistake is a misconception that low interest rates alone will create a recovery. Another mistake is not realizing that circumstances may change and not planning in advance. Mistakes number four, five and six pertain to understanding the market value, proper pricing and selecting the right real estate professional.

By understanding and avoiding these mistakes, real estate Sellers have significantly better chances of minimizing the negative impact of a recession while selling their properties.


Source by Robert W. Dudek

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Useful Tips To Build The Best Gaming Computer




Every gamer will want their computer to be the best gaming computer among their peers. Sometimes, with a little knowledge and tips and tricks, it is possible to build the best gaming computer and show it off to your peers. This article will show you how:

1) You can’t get the best gaming computer from computer retailers

If you want to get the best gaming computer, you have to build your own. Different gamers have different requirement for their gaming machine. Unless you are willing to pay a high price, you will not be able to buy a commercial computer that fulfills all your gaming needs. The only option you have is to build your own gaming computer.

2) You don’t have to be rich to build the best gaming computer

It is not necessary to burn a hole in your pocket to build the best gaming computer. With some due diligence, do some market research and compare prices around the marketplace. Merchant such as TigerDirect and NewEgg give regular discount to their products and you could save a lot of money if you catch them during their promotional period.

3) Most expensive parts do not have to be the best part

Sometime, the latest model or the most expensive model does not have to be the best part for your computer. It requires various components to work together to form the best computer system. When choosing a computer part, what matters is how well it can integrate with the rest of the components. Compatibility is more important than individual performance. What use is there if you spend lot of money on the latest quad-core processor and find that your motherboard doesn’t support it?

4) You don’t need to change the whole PC to own the best gaming computer

It is a misconception that you have to change the whole gaming machine to build the best gaming computer. If you already have a good barebone system, what you need to do is to upgrade the necessary parts and your gaming computer can roar back to life instantly.

5) Brand is important

Unless you want to see your computer system malfunction every few days, it is important that you purchase the parts from branded manufacturers with strict quality control. Motherboard brand such as Gigabyte, ABIT, ASUS are some quality brands that you can consider

If you follow diligently to the tips stated above. You will be on your way to build the best gaming computer. While price can be an issue, it is better not to scrimp on important computer parts such as motherboard, CPU, RAM and graphics card as it will cost you more to upgrade in the future.


Source by Damien Oh

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