How to Guides Small Business Funding In South Africa When you need funding for your small business it can seem like a big challenge jumping through all the hoops We show you what you need to know about small business funding Published 8 months ago on May 1 2018 By Entrepreneur For many entrepreneurs the minute they realise they need small business funding they automatically panic and wonder How on earth am I going to get funding The good news is that there are a number of ways you can get funding for your small business if you know where to look and do the right preparation How small business funding differs from big business funding Basically its a matter of scale A small business isnt likely to require R100 million in finance A small business can get started on as little as R1 000 and with profits put back into the business can grow organically and rely very little on external funding Related Government Funding and Grants for Small Businesses The other difference pertains to size in another way Big business tends to refer to corporate entities with shareholders boards of directors etc while small business tends to refer to privately owned and operated business The dangers of running your business finances through your personal account Say you want to start a small business crafting wooden furniture and you can buy most of the equipment on your credit card In one way its the quickest and easiest way to get going but running your business finances through your personal accounts come with risk Not separating your business from you personally sets you up for legal liability Related Opening a Business Bank Account If for example you default on credit card payments or fall into debt your personal assets can be seized over and above your business assets The other risk is that of keeping clear records and distinctions of which expenses are business and which are personal This can lead to tax complications come tax season and you can incur fines that can close your business Having a separate account for your business also lends credibility to it and in the event you require finance from a bank your clear financial documentation will aid the bank in assessing whether to grant you a loan Why a clean credit record is so important to small business funders In order to qualify for grants or loans the lending facility needs to assess whether youll be able to repay the loan and your credit record is their way of checking Even if youre starting a brand new business if you have a tarnished personal credit record or are blacklisted for badnonpayment your ability to borrow will be negatively affected Related Small Business Startup Guide Every South African is entitled to a free credit report once a year You can learn more about about your credit record through credit bureaus like TransUnion Various small business funding options available If youre not in the position to selffund through use of personal credit andor savings you can investigate these following ways to get small business funding Small Business Funding Option 1 Angel Investment An angel investor is typically a wealthy professional who is able to provide you with startup capital in exchange for equity in the business or a fixed percentage interest on the loan Angel investors can be individuals or form angel networks in order to distribute risk Angel investors can be handsoff not wanting to be part of the business while others may want to be involved in decisionmaking andor act as a business mentor A rookie mistake made by many is to enter into verbal agreements with angel investors without terms and conditions written and signed by both parties Without a contract in place conflict can arise an investor can withdraw their funding and the businesss future can be jeopardised Make sure whenever finance is involved there is a written agreement in place Small Business Funding Option 2 Bank funding If you choose to approach a bank for finance you need a number of things in place before you approach them First is a comprehensive and fully understood business plan complete with financial projections You also need to provide a full set of financials for them to examine Then you need to understand the kinds of loans available and which kind is best suited to your needs Related Business Plan Format Guide If for example you need to buy equipment which devalues with age and use its not advisable to take a longterm loan where youll be paying for it long after its served its lifespan Bank Finance Options for Small Business Overdraft is ideally suited to managing cash flow Business revolving credit this is a line of credit available as and when it is needed and repayments are typically fixed monthly instalments The original limit is usually restored after a set percentage has been repaid Mediumterm loans are ideally suited for capital expenses and repayable for a period of two to seven years but can be longer Interest and repayment tend to be linked to prime how much collateral you have and the value of the asset you need finance for Business mortgage Property finance in the event you wish to buy or renovate property for your business or convert part of a residence into office space this is the loan to investigate Vehicle and asset finance Whether its a vehicle or specialised equipment required talk to your bank about vehicle and asset finance to determine whether its terms are suited to your business Small Business Funding Option 3 Crowd Funding Relatively new to the scene crowd funding is an exciting way to gather finance It works in a similar way to angel investment except many individuals are able to pledge varying amounts to the business in exchange for equity interest or other more creative returns As an example new products music albums and films have been crowd funded in exchange for early releases while restaurants have named menu items after benefactors Related Start A Small Business Become SelfEmployed Typically however a product or service is pitched and uptake in funding helps determine whether there is demand for it and first releases help finetune it South African crowd funding platforms include wwwstartmecoza wwwcrowdfundingcoza The top international crowd funding platforms include wwwkickstartercom wwwindiegogocom wwwrockethubcom Small Business Funding Option 4 Funding for Previously Disadvantaged Individuals PDIs Small Business Government Grants and Loans The government is involved in small business development by providing funding to previously disadvantaged individuals These can take the form of grants loans and tenders A government loan like a loan from a financial institution is given to an approved business that is required to repay the loan It usually has more lenient repayment schedules and interest rates A government grant by comparison does not require repayment by the awarded business The South African Department of Trade and Industry DTI has a number of initiatives designed to improve business activity for previously disadvantaged individuals women and youth You can read more at wwwdtigovza SMME development financial assistance Any business wanting to gain access to grants or funding needs to be BEE accredited and have a tax clearance certificate Enterprise Development ED Funding This form of government mandated funding is devised as a means to create more jobs in South Africa through business development and enterprise development is one of the elements of the BEE scorecard Large corporates are required to pay towards enterprise development or use an Enterprise Development beneficiary in their business supply chain as part of their BEE scorecard Related Enterprise Development Programmes For Black Entrepreneurs How a small business benefits from ED funding is by enrolling in a corporates ED empowerment programme that can include mentorship incubation becoming procurement ready how to be commercially viable and sustainable etc Small Business Funding Option 5 Bootstrapping your Small Business If youre not drawn to the previous examples of funding you can bootstrap your business Fundamentally its starting and growing a business without external help This is achieved through getting operational as quickly as possible keeping fixed overheads as low as possible even if you have to work in your childhood bedroom or understaff reinvesting profits into the business and keeping growth in check by maintaining steady growth over explosive growth Related 6 Tips For Bootstrapping Related Topics Up Next 3 Startup Funding Tips To Help Launch Your Company Dont Miss How To Start A Business With No Money Entrepreneur Entrepreneur Magazine is South Africas top read business publication with the highest readership per month according to AMPS The title has won seven major publishing excellence awards since its launch in 2006 Entrepreneur Magazine is the howto handbook for growing companies Find us on here Advertisement You may like Is The Future Of AI Around the Corner Computing Power Suppliers Are Shifting Gears Organisational Design Disruptions Do Not Occur In A Vacuum Future Business Models An Introduction To COID Registration And The Letter Of Good Standing Look To The Future 5 Insider Tips Every Trader Needs to Know How Sasfin Bank Is Beyond A Banking Platform The Evolution Of BYOND 1 Comment How to Guides Does Your Business Really Need Funding Strategy risks and opportunities Published 2 weeks ago on Nov 27 2018 By Carl Wazen Businesses need capital to grow and most small enterprises rely on external funding to meet this requirement While accessing funding can be challenging for entrepreneurs taking on the financial commitments of a loan should never be taken lightly Many small businesses fail because repayment conditions are so onerous they impact cash flow and business owners end up blacklisted which dampens their future prospects First ask yourself some hard questions Before you decide to apply for that loan cash advance or capital injection make sure that your business really needs funding Critically evaluate your business Consider that youll ultimately need to give something back for that funding an equity stake or interest payments Determine how much the extra funding is worth to you and what would happen to your business if you couldnt get it Define your goals The type of funding you need and how you validate it in the application is dependent on your short and longterm goals If youre not currently on track to achieving your business objectives determine what stumbling blocks or pain points are holding you back Ultimately you should be certain that the capital will help you achieve your objectives Related Government Funding And Grants For Small Businesses Evaluate your financial pain points Next determine which of the identified obstacles can be overcome with extra money While most could a loan may not be the answer Entrepreneurs often use financing to temporarily plug holes instead of fixing them Without addressing the root cause of the issue the business will continue to struggle while also dealing with the extra debt It is also important to consider the nature of your requirements and the impact this will have on finances For instance using a loan to hire more staff requires upfront funds before additional revenue can be generated The same applies to sales and marketing initiatives Expanding your footprint as part of a strategic plan to grow your business also requires funding but these are usually longterm loans that take more time to pay back A thorough evaluation is needed to determine the potential return on investment and compare it to other opportunities Evaluate if the strategic benefits will outweigh the midterm cash flow risks Consider your options Before making any financial commitment first look for ways to optimise your operation to realise cost efficiencies within the business that can free up working capital to fund the fix If you determine that funding will address your pain points by boosting inventory ahead of a seasonal spike for example consider vendor financing or supplier credit options before securing financing from a bank If you need to expand the business look for ways to lower the associated costs For example franchising a new location to a competent partner can relieve you of some of the financial burden A productbased business could perhaps generate extra income by selling via online channels or through distributors or other retailers instead of a new store Related The DTI Funding Guide Youve Been Looking For The What And How Scenario planning However should you choose to proceed before you sign any loan or credit agreement make sure you consider all possible scenarios How long will it take before your investment starts covering the costs of your loan How will you manage repayments if your forecasted growth doesnt materialise How can you pivot to reallocate resources if your plan is not working out as initially intended The bottom line Before you start looking for funding for your business critically evaluate if your business really needs it If you decide capital is necessary to reach your goals and youre willing to take on the responsibility carefully consider the type of funding that is best for your particular type of business and your specific needs Continue Reading How to Guides How Investors Choose Who To Invest In Why entrepreneurs tend to focus on the wrong things when pitching to investors and what investors are really evaluating instead Published 2 months ago on Oct 24 2018 By Allon Raiz The hypothesis of my book Lose the Business Plan was that great businesses are not determined by Excel spreadsheets and the all too predictable Jcurve but rather by the entrepreneur or entrepreneurial team and their ability to see opportunity navigate obstacles and make things happen The truth is that entrepreneurs focus on the wrong side of the coin when meeting with an investor They focus on the deep detail of the business plan and concentrate on justifying assumptions predicting and overcoming objections and emphasising market potential Yet its my experience that the real decision on whether or not to invest in a company is more heavily weighted towards the entrepreneur or team rather than the business plan itself Once the numbers stack in other words the business model makes sense and the risks have been considered and appropriately mitigated then the real decisionmaking can begin The final decision comes down to four important characteristics of the entrepreneur himself or herself 1 Is she honest You may have the best business plan in the world and you may have mitigated every possible risk but if you are not someone the investor can trust no deal will be made I find that entrepreneurs often underestimate the importance of their reputations and in todays connected world its so quick and easy to reference someones character Related A Comprehensive List Of Angel Investors That Fund South African StartUps Entrepreneurs who think about the short game and make morally questionable decisions for the prospect of quick profits generally find themselves in an everdiminishing circle of people who will do deals with them Your reputation is everything and you should guard it at all costs 2 Does she work hard I am still not resolved around the cliché that you should work smart and not hard Perhaps I missed the memo or was asleep during the lecture that demonstrated how this is possible In a world that is changing at an astonishing rate in an economy that is becoming more and more competitive and in a business environment that is becoming ever more complex its hard work to remain relevant and ahead of the curve for any extended period of time Every quarter sees a new trajectory that needs to be investigated and navigated In my opinion this requires not just smart work but hard work too Its certainly true that investors like to invest in entrepreneurs who will take their investment seriously who take their businesses seriously and who are on top of their games 3 Is she smart Smart does not always mean book smart but it definitely means street smart It means having the ability to read a room to see an opportunity to learn new skills quickly and also being able to apply new learnings to the business Investors look for investees who show agility when adapting to feedback from the market from their competitors from their staff and more 4 Is she ambitious Investors do not like investing in mom and pop operations They seek the highest return on investment and that comes from businesses that can scale profitably Scale is always relative to the investors perspective and not your own An investor with a couple of hundred thousand rand to invest will have very different expectations of the size of business he or she would like to invest in compared to another investor who has tens of millions of dollars Its important for the entrepreneur to authentically resonate with the level of ambition of their prospective investor and be able to express that ambition through a coherent and cogent vision as well as a plan to achieve that vision Remember no one starts out as the ideal investee Its something that is built up over time and requires constant maintenance and curatorship Its essential to continually work on your reputation to ensure that you are up to date with your industry and to reassess your level of competence in your market This is the only way to make sure you become and remain an ideal investee to a potential investor Read next The Investor Sourcing Guide Continue Reading Company Posts Are You Struggling To Find Financing For Your SME Try Alternative Finance If you dont qualify for traditional funding or if it isnt the right fit for your SME why not explore alternative funding We specialise in alternative financing options by providing indepth and custom plans for you and your business needs Published 2 months ago on Oct 1 2018 By Spartan SME Finance Vital stats Call 011 886 0922 wwwspartancoza Alternative Finance is finance beyond the traditional it is defined by the financiers area of specialisation by what they specialise in whom they serve and how they provide their funding It does not replace traditional finance but rather functions as a complementary and additional form of funding Alternative financiers are specialists they focus on a particular need and on a specific audience As a result their how is customised to deal with their chosen target market and for this targets unique needs This applies to the funders processes and to their level of flexibility around things such as collateral An example of this is that a SME may have an existing R1 million overdraft their traditional finance secured by R 15 million collateral but suddenly they need R5 million for some kind of contract or bridging finance they need it fast and dont have that extent of collateral The traditional funder can not provide what they need their process is too long and their flexibility is too low An alternative financier providing bridging finance and specialising in SMEs is ideally positioned to fill this gap One of the most significant differences between a traditional funder and an alternative financier is in their process In the case of the alternative financier they have often chosen to deal exclusively with a particular customer base for example SMEs As a result this funder has both an affinity and contextually relevant empathy in working with SMEs Not only do they speak the same language the funder also has an appreciation for the time and material constraints of the SME and has developed their processes to cater to this market This applies most notably to the turnaround time of the funding need and to the assessment aspect where flexibility around things such as collateral is vital in making the finance happen for the SME A traditional funder is unable to meet the deadline of a bridging finance need submitted on an urgent basis where the finance is needed as soon as 23 days from time of application A specialised or alternative funder is able to do exactly this A traditional funder is also unable to find creative methods in solving the SMEs lack of highvalue collateral in applying for finance This SME has generally already used their highvalue collateral for traditional credit facilities but now needs funding for growth or resolution of a temporary cash flow challenge An alternative financier is able to look at such an application in a different way and has most likely already established alternative ways to make this happen for the SME Continue Reading Advertisement SPOTLIGHT Company Posts 1 week ago 5 Insider Tips Every Trader Needs to Know Company Posts 1 month ago Why SAs Latest Tech Startup Merge Is Going To Disrupt The Current Entrepreneur And Investment Landscape Women Entrepreneur Successes 5 months ago Watch List 50 Black African Women Entrepreneurs To Watch Advertisement Advertisement Types of 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Ariana Grande Sings About Pete Davidson and Mac Miller in New Song Thank u next by Lena Grossman Sat Nov 3 2018 758 PM Getty Images Ariana Grande fans are going to have to keep Breathin despite the fact that the singer just released some new music Grandes mom Joan Grande tweeted about the songs release which came out Saturday night just minutes before Saturday Night Live Grande insinuated on Twitter that there would be some sort of new music out soon thats directly related to her exfiancé Pete Davidson However she wants the world to know that its far from a diss track In fact its the opposite she tweeted In another string of tweets she alluded to the song being about Davidson im so fkin grateful she said in one message For my ex the next one read In Thank u next Grande calls out Davidson by name in one of her lines She also mentions her exboyfriend Mac Miller who died in September Now I listen and laugh Even almost got married And for Pete Im so thankful Wish I could say Thank you to Malcolm Cause he was an angel she croons in the first verse Photos Ariana Grande Pete Davidson Romance Rewind Thought Id end up with Sean But he wasnt a match Wrote some songs about Ricky Now I listen and laugh Grande sings referring to her exes Big Sean and Ricky Alvarez They heard it before it came out Grande later tweeted to a fan The song is less of a bitter on to the next type of song but rather a sincere thanks to her exboyfriends for all teaching her valuable lessons One taught me love One taught me patience One taught me pain Now Im so amazing Ive loved and Ive lost In the end of the song Grande makes it seem that this has been a huge learning experience and she declares shes even met someone new Her name is Ari And Im so good with that On Saturday the God Is a Woman singer announced the name of her new album and title track Itll be called Thank U Next Grande explained the meaning of the song and meaning behind the title in a Twitter discussion with her fans as she is wont to do In what seemed like just another of her lyrical tweets the artist used the saying that fans quickly determined to be the next big Ariana Grande hit cause look what i found aint no need for searching and for that i say thank u next she wrote on Twitter Congratulations darling amazing song Ariana Grande thank u next Single httpstcoqm5m7IBmfL iTunes httpstcoOhlXWApnPh Joan Grande joangrande November 4 2018 In a subsequent message Grande typed out more lyrics that directly hinted to her former relationship with Davidson She wrote got so much love got so much patience ive learnt from the pain and turnt out amazin say ive loved and ive lost but thats not what i see cause look what i got look what u taught me Grande and Davidson called off their whirlwind romance on Oct 14 after getting engaged about three months earlier in June Apparently thank u next is one of Grandes old sayings On Saturday morning the No Tears Left to Cry singer explained to her 58 million Twitter followers that the new song is about a new chapter that encompasses gratitude growth embracing our paths bumps n all Despite the songs release just before an episode of SNL Grande wanted to clarify that this new song does not represent any bad blood with her ex despite some tension earlier in the week no drags no shade jus love gratitude acceptance honesty forgiveness and growth Ariana Grande ArianaGrande November 3 2018 thank u next Ariana Grande ArianaGrande November 4 2018 Evan AgostiniInvisionAPREXShutterstock On Thursday Davidson stood alongside SNL host Jonah Hill and musical guest Maggie Rogers in a promotion for the upcoming episode In the video Davidson said Hey Maggie Im Pete You wanna get married Rogers turned down his offer to which he replied 0 for three Grande appeared very unamused by the joke and took a dig at Davidson in a tweet For somebody who claims to hate relevancy u sure love clinging to it huh she wrote Thank u next A source told E News why Grande retaliated after Davidson made a joke about their relationship They made an agreement that they would not address their relationship or discuss it after they split up the source said He violated that agreement and it really hurt her She knew he would see her tweet The source also said that Davidson is having a hard time with the breakup and making jokes his way of dealing with it Davidson made many jokes about the split during a comedy show he cohosted with Judd Apatow Well as you could tell I dont want to be here Theres a lot going on he told the crowd Does anybody have any open rooms Looking for a roommate So both parties have their own methods of catharsis Its been a busy music month for the 25yearold On Oct 25 she announced her US and Canada tour dates for Sweetener which begin in March 2019 in Albany NY According to a number of sources Davidson and Grande are coping with the end of their engagement Both have been relying heavily on support of friends and family Grandes older brother Frankie Grande gave an update to E News at Heidi Klum s annual Halloween party about how his sister is doing Shes a strong powerful woman Shes working really hard and Im so unbelievably proud of her as I always am as her big brother he said A few days after their breakup Davidson was seen in New York and another insider told E News he was doing fine and focusing on himself Dont miss E News every weeknight at 7 only on E TAGS Ariana Grande Pete Davidson Music Top Stories Apple News Show Comments Stories 1 Untangling R Kellys Sordid Web of Scandal 2 Drake Kisses and Touches 17YearOld Fan in Resurfaced Video 3 Kylie Jenner Sparks Engagement Rumors Again With New Ring Photo 4 Inside Cameron Diaz and Benji Maddens SuperPrivate Marriage 5 Scott Disick and Sofia Richie Show Sweet PDA in Las Vegas Latest News The Big Picture Todays Hot Photos Condensed Soup Small But Powerful Relive All of Taylor Swifts Gorgeous Golden Globes Appearances Chicago West Adorably Dances Along to Kanye Wests Sunday Service Rehearsal Untangling R Kellys Sordid Web of Scandal in the Wake of Lifetimes Damning DocuSeries Britney Spears Cancels Her Las Vegas Residency Show Justin Timberlake Returns to Touring After Suffering From Bruised Vocal Cords

B I O O B I O B I O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


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O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


The Liturgical Calendar Liturgical Calendar Revised Common Lectionary Lesser Feasts Fasts Great Cloud of Witnesses Holy Women Holy Men December 2018 Prev Sunday Monday Tuesday Wednesday Thursday Friday Saturday 25 26 27 28 29 30 1 Nicholas Ferrar Deacon 1637 Nicholas Ferrar Deacon 1637 Charles de Foucauld Hermit Nicholas Ferrar Deacon 1637 Charles de Foucauld Hermit 2 3 4 5 6 7 8 First Sunday of Advent Francis Xavier Missionary to Francis Xavier Missionary to John of Damascus Priest c John of Damascus Priest c John of Damascus Priest c Clement of Alexandria Priest Clement of Alexandria Priest Clement of Alexandria Priest Nicholas Bishop of Myra c Nicholas Bishop of Myra c Nicholas Bishop of Myra c Ambrose Bishop of Milan 397 Ambrose Bishop of Milan 397 Ambrose Bishop of Milan 397 Richard Baxter Pastor and Richard Baxter Pastor and 9 10 11 12 13 14 15 Second Sunday of Advent Karl Barth Pastor and Thomas Merton Contemplative Karl Barth Pastor and Thomas Merton Contemplative Lucy Lucia Martyr at Lucy Lucia Martyr at Juan de la Cruz John of the Juan de la Cruz John of the John Horden Bishop and Robert McDonald Priest 1913 John Horden Bishop and Robert McDonald Priest 1913 16 17 18 19 20 21 22 Third Sunday of Advent William Lloyd Garrison 1879 William Lloyd Garrison and Lillian Trasher Missionary Lillian Trasher Missionary Saint Thomas the Apostle Henry Budd Priest 1875 Charlotte Digges Lottie Charlotte Digges Lottie Henry Budd Priest 1875 23 24 25 26 27 28 29 Fourth Sunday of Advent Christmas Day I Christmas Day II Christmas Day III Saint Stephen Deacon and Saint John Apostle and The Holy Innocents Thomas Becket Archbishop of Thomas Becket 1170 Thomas Becket Archbishop of 30 31 1 2 3 4 5 First Sunday after Christmas Samuel Ajayi Crowther Bishop Samuel Ajayi Crowther Bishop

O B I B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Who We Are LGBTQ in the Church CC Off English In 1976 the General Convention of the Episcopal Church declared that homosexual persons are children of God who have a full and equal claim with all other persons upon the love acceptance and pastoral concern and care of the Church 1976A069 Since then faithful Episcopalians have been working toward a greater understanding and radical inclusion of all of Gods children Along the way The Episcopal Church has garnered a lot of attention but with the help of organizations such as Integrity USA the church has continued its work toward full inclusion of lesbian gay bisexual and transgender LGBT Episcopalians In 2003 the first openly gay bishop was consecrated in 2009 General Convention resolved that Gods call is open to all in 2012 a provisional rite of blessing for samegender relationships was authorized and discrimination against transgender persons in the ordination process was officially prohibited and in 2015 the canons of the church were changed to make the rite of marriage To our lesbian gay bisexual and transgender brothers sisters and siblings The Episcopal Church welcomes you Integrity USA Integrity Believe Out Loud Episcopal Congregations Chicago Consultation Claiming the Blessing TransEpiscopal Believe Out Loud The Center for Lesbian and Gay Studies in Religion and Ministry Institute for Welcoming Resources Gay Christian Network Whosoever an online magazine for LGBT Christians Español

O O O B O O B O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O B O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Add Shortcode to PHP Page I do a lot of editing to individual PHP page templates within WordPress Oftentimes there is a great shortcode that I want to add within the page design Here is the code to insert so you can do that Add this php code within the page template php echo do_shortcodeShortcode Replace Shortcode with the specific shortcode you wish to use I read 52 books a year that are suggested by the worlds top performers I then release a podcast episode about each book Check out my 2018 reading list Categories Categories 2011 EPR Creations

O O O B I O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Ride in Style and Comfort with Horse Riding Pants Shirts and other Clothing from Equestrian Central When you want to go about your equestrian activities with both comfort and style Equestrian Central can help We offer a full line of horse riding clothes boots gloves hats and helmets Our everyday prices are low but if you are holding out for an incredible bargain be sure to check out our Horsum sales Horse Riding Pants and Shirts Although jeans may be practical for many things horse riding pants such as breeches and jodhpurs will help you get the job done in comfort and style and are the standard for most equestrian events Horse riding shirts are also available in a significant number of styles and colours and range from very basic barn clothing to very fancy event garments When browsing through our catalogue the first decision that youll need to make is whether you prefer breeches or jodhpurs for your main horse riding pants Youll also need to decide if you need a waterproof layer to cover up or to wear on its own For this you should consider our equine sports friendly waterproof shell pants and overpants The individual sections on mens clothing and ladies breeches and jodhpurs are great places to get started We also have many styles of horse riding shirts designed for around the barn all the way to highlevel event garments Look at our individual sections on mens clothing childrens clothing ladies casual clothing ladies competition shirts and ladies competition jackets You will find everything that you are looking for and more with 7 shipping throughout NZ Other Horse Riding Clothes We also sell all of the associated accessories that are needed to complement those classy horse riding pants and shirts Taking it from the top we are pleased with the selection of headwear we have on offer at Equestrian Central We have several different types of hats and helmets designed to meet the requirements of any pleasure activity or competition need If you need outerwear thats meant to take a beating check out the Outback and Swanndri section of the website to pick out durable and stylish protection Take that protection a step further with work gloves for the outback and exquisite leather and synthetic gloves for dressage and other competition As we move closer to your toes we would like to offer you the opportunity to select the perfect pair of chaps or gaiters to keep the elements away from your Equestrian Central socks YES we even sell socks Lastly we also offer stylish footwear to complement the expertly chosen outfit you have put together thus far Why Buy from Equestrian Central With all of the retailers here in NZ offering equine related products why should you consider Equestrian Central In short because we pride ourselves on TOP customer service we want to help you achieve your dreams As part of our commitment to your success you will be able to look to us for more and more educational topics while still enjoying the permanently low prices and quick service

O O O O O O B I I O O O O O B I O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I I O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O B I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O


Gambling in America Summary If baseball once was Americas national pastime its been replaced by a 550 billionperyear obsession gambling Gambling feeds the selfindulgent instantgratification mindset that has plagued America in recent decades Beneath its glittery surface lurk the parallel tragedies of increasing addiction and a decreasing devotion to spirituality Most Christian churches have been silent about gambling Scripture is not Even without a direct commandment Thou shalt not gamble the Bible offers numerous principles that militate against the practice Informed Christians will challenge such social evils as statesponsored gambling and the use of gambling for fundraising Gambling is a bankrupt abandonment of reason Mark Twain shrewdly observed that the best throw at dice is to throw them away 1 Americans no longer agree Gambling is the newest Great American Pastime State lotteries began in 1964 with New Hampshire and now bring in 30 billion per year in 37 states and the District of Columbia 2 Some 55 million Americans play lotteries once per month spending 88 million per day more than they spend per day on groceries 3 What began as a trickle with state lotteries became a flash flood in 1988 when Native American tribes began taking advantage of the Federal Indian Gaming Regulatory Act which permitted them to operate casinos on tribal lands Nearly 300 Indianrun casinos now exist in 28 states with 186 of the 557 federally recognized tribes participating About 30 casinos are opening per year 4 and additional tribes are vying for a stake in what some have called the new buffalo 5 Gambling expenditures now top 550 billion per year 6 Thats more money than Americans spend per year on films books amusements and music entertainment combined Its about 15 billion per day or an increase of roughly 3000 percent in the past 20 years 7 With the exception of horse and dog racing gambling is increasing in every form Riverboat dockside and other offshore gambling enterprises including cruise ships are being proposed in several states as limited gambling Offtrack parimutuel jai alai keno and video betting are also increasing So are raffles and bingo Business Week observed that gambling outlets are becoming almost ubiquitous as mobaffiliated bookies and numbers runners are being supplanted by state governments charitable and religious groups and bluechip entertainmentleisure conglomerates that say theyre in the gaming business 8 THE VICE OF CHOICE Some 95 percent of American citizens have gambled at some time in their lives About 82 percent have played the lottery 75 percent have played slot machines 50 percent have bet on horse or dog races 44 percent have gambled with cards and 34 percent gamble via bingo Approximately 26 percent have bet on sports events About 74 percent of the American adult population have gambled in casinos Polls indicate that at least 89 percent of the American population approves of casino gambling 9 The acceptance of gambling into everyday life is a historic shift in cultural philosophy University of Nevada Las Vegas professor William N Thompson observed that the era of expanded legalized gambling has coincided with a trend toward increased permissiveness in society There certainly is a connection between attitudes about lifestyle sex pornography even abortion and occasional drug use and attitudes toward gambling The notion that government has no business in our bedrooms relates to the notion that government has no business telling us how to spend our leisure time and our own money as long as we are doing so 10 The ethic of selfdenial saving and capital accumulation is being replaced with a hedonistic consumerism what Christopher Lasch called the culture of narcissism 11 Deferred gratification is shelved in favor of instant demand Americans want more and they want it now Many Americans no longer work for future earthly or spiritual rewards They only consume and receive less and less satisfaction from it 12 The philosophy of gambling undercuts ones ability and desire to defer gratification in order to accomplish a goal Individual enterprise thrift effort and selfdenial are set aside for chance gain immediate satisfaction and selfindulgence In this sense gambling exemplifies a reversal of American values 13 THIRD TIMES A CHARM Whittier Law School gambling expert I Nelson Rose believes a third wave of legalized gambling is washing over the United States 14 The first wave began in colonial America when lottery management companies took their place among the largest earlynineteenthcentury businesses 15 A healthy economy together with lottery corruption contributed to the decline of legal lotteries by the 1820s The second wave of legal gambling began when Southern states looked for revenue after the Civil War Gambling was a major diversion in latenineteenthcentury Western gold and silver mining camps Legalized gamblings second wave of popularity began losing strength in the 1880s with the Louisiana State Lottery scandal in which local lottery fundraisers evolved into mail fraud and criminal interstate commerce involving corrupt government officials intrigue and murder By 1894 state lotteries were condemned by law and 36 states adopted antilottery text in their state constitutions 16 While gambling has been legal in and largely limited to Nevada since 1931 the third wave of legalized gambling in the United States began in 1964 with the inception of the New Hampshire State Lottery By 1984 a majority of states had legalized lotteries 17 Bingo was legalized in 1937 in Rhode Island Some 46 states the District of Columbia and all the Canadian provinces now have legalized bingo 18 Horse race betting is legal in 42 states and all Canadian provinces dog race betting in 19 states and jai alai games in four states All 10 Canadian provinces and 48 American states now permit some form of legal gambling By the year 2000 some experts have predicted that 40 percent of US households will be participating in legalized commerical gambling 19 Legalized commercial gambling is now growing at breakneck speed spurred by cashhungry governments gambling industry promotion of gaming as entertainment and the appeal of new hightech video gambling Some antigambling counselors believe that decades of churchsponsored gambling have also tended to lend approval to games of chance 20 Only two states still maintain a nolegalgambling policy Hawaii and Utah Hawaii debates the matter periodically While 60 percent of Hawaiians polled favor a lottery enough citizens are concerned about damaging the states image as an island paradise that lotteries and other commercial gambling are consistently rejected 21 Eugene Martin Christiansen a gambling industry consultant believes Americas new love affair with gambling is part of a fundamental change that is irreversible at this point because the country is changing with fewer people going to church more older people with time and money on their hands and especially with state lottery advertising campaigns that make it seem that buying lottery tickets is almost a patriotic duty 22 LOSING THE BET Gambling is a spiritual and financial timebomb in a pretty package and no demographic group is immune to the social pathologies associated with it 23 Compulsive gambling is increasing rapidly in all population groups even among teens The fastest growing addiction among high school and collegeage young people is problem gambling with as much as seven percent or 13 million teens considered addicted Dr Durand Jacobs a pioneer in the treatment of problem gambling believes the rate among teens is at least 10 percent about twice the rate among adults 24 Howard Schaffer director of the Harvard Medical School Center for Addiction Studies predicted We will face in the next decade or so more problems with youth gambling than well face with drug use 25 The National Institute of Mental Health notes that addiction to gambling is growing fastest among teenagers 26 Suicide rates are twice as high among teenagers with gambling problems 27 and teenagers are nearly twoandonehalf times as likely as adults to become compulsive gamblers 28 Durand Jacobs noted that public understanding of gambling is where our understanding of alcoholism was some 40 or 50 years ago Unless we wake up soon to gamblings darker side were going to have a whole new generation lost to this addiction 29 From lotteries in the 1960s to casinos in the 1990s the gambling industry has grown more rapidly and more explosively than any business in American history Legalized commercial gambling is now one of the largest industries in the US leisure economy 30 ITS NOT IN THE CARDS While the tidal wave of legalized commercial gambling has engulfed the country the Christian community has greeted this development with a deafening silence A few local battles have taken place and during the past two years Christian leaders such as Gary Bauer James Dobson D James Kennedy and Ralph Reed have begun to speak out but so far gambling has garnered very little national attention Several reasons may explain why Christians have been rather slow to respond to the spread of legalized commercial gambling 1 The conservative Christian agenda is packed focusing on issues like abortion pornography crime gun control sex education creationism family values and prayer in public schools 2 Conservative Christians particularly those who call themselves fundamentalists have been historically reticent to get involved in politics 3There are no direct biblical commands declaring gambling a sin And unlike narcotics which exercise an immediate negative impact upon the user the harmful effects of habitual gambling take longer to reveal themselves Moral arguments against gambling are therefore more difficult to develop In a recent survey George Barna found that only 28 percent of born again Christians believe casinos should be illegal in the United States 31 4 Christians are just as materialistic as everyone else The lure of quick riches entices Christians to gamble too For these reasons as well as others theological disapproval does not always translate to social or political opposition Christians seem to be just as uninformed and unconcerned as everyone else THUS SAITH THE LORD There is no Eleventh Commandment in the Bible saying Thou shalt not gamble However gambling violates at least five doctrines of Scripture the sovereignty of God stewardship covetousness brotherly love and Gods instruction not to be brought under the power of anything Sovereignty of God Belief in luck and belief in a sovereign God are mutually exclusive for if an omniscient omnipotent Creator God exists then luck makes no sense Things dont just happen Nothing including the secondary causes operative in the universe the laws of nature and human choices happens outside of Gods will and disposition So belief in God not only dispells any idea of luck it also rejects any idea of chance as a determining factor in natural events or peoples destiny Depending upon luck and chance is a philosophy which deifies an impersonal view of life and of reality 32 Any trust in luck rather than God is therefore a form of idolatry What appears to be chance to the finite human mind is known to a sovereign God Casting of lots for example is a biblical illustration not of gambling for no money or other value was placed at risk in hopes of greater gain but of individuals trusting a sovereign God to direct the chance disposition or direction of the lay of the lots People used chance to understand Gods will Their faith was not in chance but in God But belief in chance as fate stands in direct opposition to a purposeful creation ordered and directed by the Sovereign God 33 The idea that events are ultimately disposed merely by chance is akin to superstition Pagan superstition is a violation of Gods will Worshipping the gods of luck and chance is an offense to His character Gambling is a kind of secularized divination 34 It promotes a world view in direct contradiction to biblical Christianity Stewardship God says in Proverbs that he who works his land will have abundant food but he who chases fantasies lacks judgment 1211 People often chase fantasies yielding to the lure of quick riches the somethingfornothing enchantment But God gives people time talent and treasure with an expectation of accountability Matt 251430 The Bible teaches that we are to use our Godgiven wealth to support our families Gods work the government and the needy Gambling can undermine the foundations of Christian stewardship work rationality and responsibility But work is both a command and a gift of God 2 Thess 3612 And reason is an essential part of being human Irresponsibility is mans abdication of his humanity We are made to be moral decisionmaking creatures 35 Covetousness Gambling feeds covetousness the opposite of Gods call for contentment Phil 41112 It masquerades as harmless fun while it eventually sucks the dollars and sometimes the life out of those who embrace it 1 Tim 6610 The basis of all antigambling legislation is the necessity of curbing or controlling covetousness the very natural and selfish desire to get something for nothing 36 Love Thy Neighbor Gambling creates a condition in which one persons gain is necessarily many other persons loss As such gambling militates against brotherly love justice and mercy Matt 223740 Mic 68 Gambling substitutes love of self or love of money for love of neighbor Rom 1421 151 1 Tim 6610 Martin Luther said that money won by gambling is not without self seeking and love of self is not without sin 37 Gambling unlike legitimate business practices wherein both parties gain creates a condition in which individuals are willingly duped of their resources in a somethingfornothing exchange To take from ones neighbor in an unfair exchange is not love to set up a system in which those least able to afford it lose their livelihood is not justice and to continue operating a system that exploits human weakness while promoting personal pleasure and profit over others pain and loss is not mercy While it is true that the legitimate marketplace can operate without regard for the Christian value of love of neighbor this is not an essential and unavoidable character of business In gambling love of neighbor is not only impossible it is systematically suppressed Mastery of the Will Gambling is potentially habitual what Pascal called a fatal fascination like a moths fascination for the candle 38 Some even label the problem an addiction Yet God makes it clear in His Word that Christians are not to allow their minds or bodies to be mastered by anything other than the Holy Spirit of God 1 Cor 612 Anything else leads to idolatry The Bibles doctrines pertaining to the use of money indicate that morality and money are not mutually exclusive God reveals the former so that mankind will know how to use the latter Too often though people want the money without the morality Since governments are comprised of people it should come as no surprise that they want money without morality too In gambling thats exactly what theyve got GOVERNMENTS GOLDEN GOOSE Governments are looking for easy money so they sell their souls for a promise of riches Whether government should enhance its revenues with gambling monies the losses of its citizens is a moral question not just an economic one no matter why people gamble So far except for a few scattered antigambling victories money has bested morality in most contests for legislative hearts State governmentsponsored gambling turns state government into a huckster And legalization is followed by legitimation Gambling is being socially legitimized by virtue of its governmental sanction A onetime social evil is being transformed into acceptable social policy Governments facing budget deficits and antitax sentiment see gambling revenues as a painless panacea States promote gambling then use the revenues as a supplementary voluntary tax Gambling interests sell commercial gambling as a way of salvaging Rust Belt industrial cities 39 Then they lure legislators and voters by associating gambling with some noble purpose like public education or better roads Such arguments provide a politically palatable moral justification that helps dilute or mute opposition to gambling In practice however state legislatures time and again have refused to stick to promises of earmarked funds Instead they let gambling revenues pay for promised public works and use general funds for other purposes Gambling revenues become just another part of the states giant budgetary pie 40 In the United States gambling operations vigorously promote their games and states are counted among the owners and promoters There are no governmental restrictions on advertising free alcohol as a stimulus to gambling or access to credit on gambling casino premises 41 States do not simply accommodate peoples desire to gamble They encourage gambling In doing so states foster superstitious magical thinking 42 Today gambling is no longer just a periodic if questionable leisure activity fulfilling the purposes of a few individuals Gambling is being changed into routine behavior that serves the economic ends of casino operators and state governments The gambling industry now provides a transformed set of more aggressive commercially profitable games aimed at a mass public Statesanctioned gambling has become little more than a set of gambling opportunities designed to produce maximum losses from the maximum number of people Government has a vested interest in the losses of consumers This together with the fact that with a very few exceptions no wealth is created by gambling means that state governments are no longer acting as representatives of the public interest 43 State governments have joined the gambling industry in mass civic exploitation Crapped Ou t Gambling associates itself with a number of social problems and pathologies including alcohol and drug abuse prostitution violent crime embezzlement and bankruptcy theft spouse and child abuse and pornography and obscenity This is why gambling is not a victimless crime What appears to be harmless play with ones own money becomes a destructive and costly influence on the person and the community Gambling sows the seeds of its own demise Gambling begets gambling It produces no new wealth 44 The gambling industry is by nature parasitical and predatory It cannibalizes rather than nurtures local economies and worse gambling operations frequently do so while claiming to benefit some universal good like education economic progress the environment or the elderly Gambling is a fiscal shell game So its something of a social and political disgrace to see Americas state and local governments buy into and promote gambling with the enthusiasm of pit bosses It further gambles away the credibility of state and local governments at a time when Americans confidence in the efficacy of political institutions is already low 45 Gambling creates so many negative sideeffects that businesses will eventually be forced to look for nongambling states Economist John Warren Kindt predicts that longterm gamblingfree states will enjoy proportionately fewer personal and business bankruptcies stronger financial institutions more vibrant economies and better tourist community and business environments 46 I Nelson Rose says that legalized gambling tends to selfdestruct He believes that a cheating or corruption scandal will trigger the next gaming industry crash in about 35 years 47 CasiNO A backlash may already be starting During the past three years gambling proponents have lost more initiatives than theyve won In particular the National Association against Legalized Gambling directed by Tom Grey has been instrumental in winning some 47 statewide and congressional referenda and legislative battles in 27 different states losing only three In 1996 only one of seven statewide gambling referenda passed 48 To turn the tide of legalized commercial gambling I suggest that Christians and other concerned citizens work to do the following 1 Eliminate state government sponsorship and promotion of all forms of gambling This can be accomplished in one of two ways 1 States could privatize state lotteries thereby getting states out of the ownership and advertising of gambling activities 2 States could suspend state lotteries lottos and other forms of statesponsored gambling including race tracks Through astute state budgeting legislators would be required to replace revenues currently generated by state gambling enterprises In most cases other state programs will either need to be eliminated or supported by tax increases because states have become dependent on gambling revenues This of course can be politically painful But it is no more so than the stressful political maneuvering and consensus building necessary to change or eliminate any other program already in the budget Even raising taxes is more acceptable than maintaining state lotteries and other gambling operations Its certainly more equitable than the support and promotion of games that pilfer money from the electorate 2 Stop stateapproved expansion of legalized commercial gambling At a minimum state legislatures should appoint state gambling commissions charged with evaluating the impact of gambling in particular casino gambling on the state population and economy Such commissions should seek independently generated data not just information readily provided by the gambling industry A state ban on further approval and development of casino gambling would provide time for public and private agencies to study the economic and social impact of gambling on communities It would also protect communities from the unrepresentative and unfair legal leverage available to Native American tribal groups under the 1988 Indian Gaming Regulatory Act 3 Legally clarify the 1988 Federal Indian Gaming Regulatory Act States should work toward preserving state and local authority as well as Native American citizens rights to free and fair access to the political process Casino gambling discussions too frequently become entangled in a threefold cultural and legal web One part is political correctness A second is the legal morass enveloping Native American tribal sovereignty And a third is latent public guilt for the sins real and perceived of 300 years of American Indian policy 4 Reduce nonprofit gambling for fundraising This can be done fairly and in a manner that furthers the public interest But the primary responsibility for reducing the use of gambling for fundraising lies with nonprofit organizations including churches A nonprofit organizations most precious resource is its reputation for it is the publics appreciation for a wellconceived mission that gets results that creates support for a cause Gambling operations undercut the nonprofit organizations humanitarian reputation and therefore diminish the organizations moral credibility in the community it serves A CELEBRATION OF IRRATIONALITY Gambling demands that the gambler abandon reason Its a venue of superstition a religionfree religion In a time when valuelessness is valued gambling fits In a culture that believes the universe began by chance and that existence and morality are nothing more than the luck of the draw gambling is oddly logical Gambling is the perfect postmodern pastime Gambling is correlated with social pessimism It flourishes in cultures that no longer believe they can influence their present much less their future Gambling blossoms from a mood of despair powerlessness and hopelessness Life is chance a crap shoot Gambling is a metaphor for the current cultural Zeitgeist It grows out of our cultural philosophy Americans believe in a world of undefined chaos Every civilization in the past 500 years has sought to curtail gambling or its effects 49 Why do Americans think were immune to the hazards of gambling It is because Americans have embraced moral relativism the postmodern belief in mobile truths Increasing numbers of Americans no longer believe in absolute truth in right and wrong If God exists He must not have anything to say to people They reject Him they reject His Word and they reject His morality The only thing left is uncertainty and luck For many Americans gambling has become a surrogate religion a pathological hope a concession to life based on luck an admission that there is nothing to life but determinism fatalism nihilism But gambling is rabbits foot religion Its postmodern paganism Gambling asks people to play the odds and always in the long run gambling wins Rex M Rogers is president of Cornerstone College in Grand Rapids Michigan and author of Seducing America Is Gambling a Good Bet Baker Book House 1997 1 Norman L Geisler with Thomas A Howe Gambling a Bad Bet You Cant Win for Losing in More Ways Than You Can Imagine Grand Rapids Fleming H Revell 1990 73 2 William N Thompson Legalized Gambling A Reference Handbook Santa Barbara ABCCLIO 1994 3 3 John Wheeler Losers Charisma September 1997 71 4 Too Many Casinos Grand Rapids Press 6 October 1997 sect A Joseph P Shapiro Americas Gambling Fever US News and World Report 15 January 1996 59 and Bob Kolasky Issues of the Week Fighting Long Odds wwwIntellectualcapitalcom 11 September 1997 2 5 Eugene Martin Christiansen and Will E Cummings DoubleEdged Growth International Gaming and Wagering Business Magazine 1 August 1995 3132 6 Kolasky 1 and Martin Koughan Easy Money Mother Jones JulyAugust 1997 32 7 Frank Rich America on Big Bender with Gaming Las Vegas Sun 10 May 1996 sect B Christiansen and Cummings 3132 8 Chris Welles Americas Gambling Fever Business Week 24 April 1989 11213 9 Report of the Governors Blue Ribbon Commission on Michigan Gaming Robert J Danhof chairman April 1995 15 Shapiro 55 10 Thompson 13 11 Vicki Abt James F Smith and Eugene Martin Christiansen The Business of Risk Commercial Gambling in Mainstream America Lawerence KS University Press of Kansas 1985 22 12 Ibid 19899 13 Ibid 22 14 James Popkin with Katia Hetter Americas Gambling Craze US News and World Report 14 March 1994 46 Thompson 6 15 Report of the Commission on the Review of the National Policy Toward Gambling Charles H Morin chairman Washington D C 15 October 1976 18107 16 Rufus King Gambling and Organized Crime Washington DC Public Affairs Press 1969 74 17 In 1969 Canada followed suit by changing its criminal code to allow lotteries and charitable gambling Thompson 8 Mexico is also flirting with expanded legalized gambling Casino gambling is being considered in at least 10 major cities and resort destinations While a national lottery horse racing sports betting and cockfighting have been available for years the Mexican Congress outlawed casino gambling in the 1930s Most Mexicans dont want expanded legalized casinos however A poll in The Mexico City Reforma indicated that 68 percent oppose and 30 percent favor casinos See Hayes Ferguson Mexico Officials Debate Legalizing Casino Gambling to Aid Economy The Grand Rapids Press 12 November 1995 sect A 18 Christiansen and Cummings 3132 Thompson 3 19 Thompson 3 20 Gambling Addiction Near Epidemic The Bottom Line on Alcohol in Society journal published by the Alcohol Research Information Service Lansing MI 14 Spring 1993 1 7 21 Matthew Brown Gaming Industry Has No Chance in Utah The Grand Rapids Press 5 May 1996 sect A 22 Cited in David Johnston Temples of Chance New York Doubleday 1992 20 23 Adolescent Compulsive Gambling The Hidden Epidemic The Council on Compulsive Gambling of New Jersey nd 24 Ricardo Chavira The Rise of Teenage Gambling Time 25 February 1991 78 J Taylor Buckley Nation Raising A Generation of Gamblers USA Today 5 April 1995 1A 25 Report of the Governors Blue Ribbon Commission 15 Laurel Shaper Walter More Teens Play Games of Chance The Christian Science Monitor 25 April 1990 16 26 Report of the Governors Blue Ribbon Commission 15 27 Teen Gambling Hidden Habit Public Problem USA Today 5 April 1995 sect A This research established correlation between gambling and suicide but not causality 28 Chavira 78 29 Ibid 78 30 Christiansen and Cummings 3132 31 Ron Reno Gambling with America Christian American JulyAugust 1996 25 32 Larry Braidfoot Gambling A Deadly Game Nashville Broadman Press 1985 182 33 R H Charles Gambling and Betting A Study Dealing with Their Origins and Their Relation to Morality and Religion Edinburgh T T Clark 1924 61 34 James Hastings ed Encyclopedia of Religion and Ethics Edinburgh T T Clark 1913 163 35 Lycurgus M Starkey Jr Money Mania and Morals The Churches and Gambling Nashville Abingdon Press 1964 112 36 Francis Emmett Williams Lotteries Law and Morals New York Vantage Press 1958 76 37 Lyaugus M Starkey Jr Money Mania and Morals The Churches and Gambling Nashville Abingdon Press 1964 37 38 Starkey 27 39 This is one of the central premises of Robert Goodman The Luck Business The Devastating Consequences and Broken Promises of Americas Gambling Explosion New York The Free Press 1995 40 Thompson 42 41 See Rex M Rogers Seducing America Is Gambling a Good Bet Grand Rapids Baker Book House 1997 9192 Abt Smith and Christiansen 7677 42 Charles T Clotfelter and Philip J Cook Selling Hope State Lotteries in America Cambridge MA Harvard University Press 1989 70 43 Abt Smith and Christenson 37 17475 21315 44 Goodman 16366 45 This point has been well known to political scientists for more than two decades Most recently it was highlighted on Wolf Blitzer Inside Politics Weekend CNN 10 January 1998 46 John Warren Kindt The Negative Impacts of Legalized Gambling on Businesses Business Law Journal 4 Spring 1994 93124 47 Popkin and Hotter 46 48 Legalized Gambling on a Losing Streak http wwwIquestnet cpagencalggamblinghtm l 2 June 1997 14 49 Charles 10

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O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O 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BAD BOY Equipment for Sale Matches 1 25 of 112 Filter Start Over Save This Sort BAD BOY MZ Magnum 54 Kawasaki 3999 Financing Available 2 Make BAD BOY Model MZ Magnum 54 Kawasaki Class GROUNDS CARE Category Mower Zero Turn NewUsed New Fredricks Outdoor Website Reference Stock MZMAG54KA Decatur AL View on Map Get Financing 18775649793 2018 Bad Boy Maverick Kawasaki 6000 6399 1 1 Year 2018 Make Bad Boy Model Maverick Kawasaki 6000 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMV60FS730 Granbury TX View on Map Get Financing 18779416332 2018 BAD BOY MAVERICK 60 6399 1 Year 2018 Make BAD BOY Model MAVERICK 60 Class GROUNDS CARE Category Mower Zero Turn NewUsed New Wakarusa AG LLC Website Wakarusa IN View on Map Get Financing 18557893218 2018 Bad Boy ZT ELITE 54 5299 1 Year 2018 Make Bad Boy Model ZT ELITE 54 Class GROUNDS CARE Category Mower NewUsed New Artec Tractor Website Nauvoo AL View on Map Get Financing 18002190583 2018 Bad Boy Outlaw Kohler Confidant 6100 7299 On Sale Now 3 1 Year 2018 Make Bad Boy Model Outlaw Kohler Confidant 6100 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy Outlaw XP Kawasaki 7200 9399 1 1 Year 2018 Make Bad Boy Model Outlaw XP Kawasaki 7200 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BBX72FX850 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy ZT Elite Kawasaki 5400 5249 1 1 Year 2018 Make Bad Boy Model ZT Elite Kawasaki 5400 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BZT54FR730 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy Maverick Kawasaki 5400 6299 1 1 Year 2018 Make Bad Boy Model Maverick Kawasaki 5400 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMV54FS730 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy MZ Kohler KT725 3299 Great Value 2 1 Year 2018 Make Bad Boy Model MZ Kohler KT725 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMZ42KT725 Granbury TX View on Map Get Financing 18779416332 2018 BAD BOY MZ MAGNUM 4800 3459 1 Year 2018 Make BAD BOY Model MZ MAGNUM 4800 Class GROUNDS CARE Category Mower Zero Turn NewUsed New Wakarusa AG LLC Website Wakarusa IN View on Map Get Financing 18557893218 2018 Bad Boy ZT Elite Kohler 5400 4899 1 1 Year 2018 Make Bad Boy Model ZT Elite Kohler 5400 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BZ54KT745P Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy Outlaw Extreme Kawasaki FX850 7200 8899 Easy Financing 3 1 Year 2018 Make Bad Boy Model Outlaw Extreme Kawasaki FX850 7200 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy MZ Magnum Kohler 4800 3399 1 1 Year 2018 Make Bad Boy Model MZ Magnum Kohler 4800 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMZ48KT725 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy WalkBehind Kawasaki 3600 3995 16 1 Year 2018 Make Bad Boy Model WalkBehind Kawasaki 3600 Class GROUNDS CARE Category Mower NewUsed Used Big Reds Equipment Website Reference Stock 16230 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy Maverick Kawasaki 4800 FS730 6199 1 1 Year 2018 Make Bad Boy Model Maverick Kawasaki 4800 FS730 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMV48FS730 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy ZT ELITE 48 4899 1 Year 2018 Make Bad Boy Model ZT ELITE 48 Class GROUNDS CARE Category Mower NewUsed New Artec Tractor Website Nauvoo AL View on Map Get Financing 18002190583 2018 Bad Boy Outlaw XP Yamaha 6100 9499 1 Year 2018 Make Bad Boy Model Outlaw XP Yamaha 6100 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock 14647 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy ZT ELITE 60 5399 1 Year 2018 Make Bad Boy Model ZT ELITE 60 Class GROUNDS CARE Category Mower NewUsed New Artec Tractor Website Nauvoo AL View on Map Get Financing 18002190583 2018 Bad Boy MZ MAGNUM 54 3799 27 Year 2018 Make Bad Boy Model MZ MAGNUM 54 Class GROUNDS CARE Category Mower NewUsed New Artec Tractor Website Nauvoo AL View on Map Get Financing 18002190583 2018 Bad Boy Diesel Perkins 7200 15499 1 1 Year 2018 Make Bad Boy Model Diesel Perkins 7200 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BBA7235PK Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy MZ Magnum Kohler KT740 5400 3499 Great Value 2 1 Year 2018 Make Bad Boy Model MZ Magnum Kohler KT740 5400 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMZ54KT740 Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy Maverick Kohler 6000 5999 1 1 Year 2018 Make Bad Boy Model Maverick Kohler 6000 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BMV60ZT740 Granbury TX View on Map Get Financing 18779416332 2018 BAD BOY OUTLAW 8899 Financing Available 20 Year 2018 Make BAD BOY Model OUTLAW Class GROUNDS CARE Category Commercial Zero Turn Mower NewUsed New AllPower Equipment Website Reference Stock BBX61FX850 Kankakee IL View on Map Get Financing 18884033924 2018 Bad Boy Outlaw Extreme Kohler Command Pro EFI 5400 8499 Easy Financing 3 1 Year 2018 Make Bad Boy Model Outlaw Extreme Kohler Command Pro EFI 5400 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Granbury TX View on Map Get Financing 18779416332 2018 Bad Boy ZT Elite Kohler 4800 4499 1 1 Year 2018 Make Bad Boy Model ZT Elite Kohler 4800 Class GROUNDS CARE Category Mower NewUsed New Big Reds Equipment Website Reference Stock BZT48KT740 Granbury TX View on Map Get Financing 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B I I O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O O