REMEMBER!

I lovingly remember others.

When I remember you in my prayers, I always thank my God.
Philemon 1:4

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Lovely Day!

SANCTITY!

My body temple is a sacred gift from God.

Your body is a temple of the Holy Spirit within you, which you have from God.
1 Corinthians 6:19

Taken from The Daily Word

God Bless,
Tawnette (72)
Have an Amazing Day!

Praise Report:
God answered a prayer!!!
Thank You Amen.
God Is Always Right On Time!!!

ENERGY!

I am energized by the power of God within me.

The God who has girded me with strength has opened wide my path.
2 Samuel 22:33

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Great Day!

Find out which 6 degrees rank highest in terms of employment


By Chris Kyle
Come graduation time, the English major, history buff, computer whiz, and business student all look alike in their caps and gowns.
Their job prospects, on the other hand, look very different.
Corporate consulting firm Challenger, Gray & Christmas polled 100 human resource professionals to find out what graduating students this year can expect from the job market in 2010, and, specifically, which degrees have the best odds of helping students get jobs.
If you're contemplating a return to school and deciding what you want to study, read on for the six degrees that rank highest in terms of employment.


#1 - Health Care Degree
Graduates with recession-proof degrees in health care will find the most success in 2010, according to Challenger. In fact, more than one in four (26.3 percent) HR professionals picked health care as the best bet for job security. Nurses are receiving the most job offers in this category.
Desirable Degrees:
Nursing
Physical Therapy
Pharmacy
Medical Technician
Average Starting Salaries:
Nursing: $47,217
Health & Related Sciences: $30,522
Search for Nursing and Health Care schools now.


#2 - Business Administration Degree
It's no coincidence that business is booming for graduates with a business degree...it's the most popular bachelor's degree in the country.
Graduating with a degree in business administration puts job seekers in the second strongest position overall, just behind health care, according to the Challenger survey.
Desirable Degrees:
Business
Business Administration
Business Administrative SupportAverage Starting Salary:
Business Administration: $45,200
Find the right Business school and start your training!


#3 - Computer Science Degree
Computers are an indispensable part of the economy, and so are graduates who study computer science, which ranks as the third most valuable degree in today's job market.
Desirable Degrees:
Computer Science
Technology Support
Information Technology and Systems
Average Starting Salaries:
Computer Science: $61,205
Information Sciences & Systems: $54,038
Search for local and online Technology and Computer Science schools.


#4 - Accounting/Finance Degree
Finance and accounting graduates can expect their fortunes to improve as the economy improves. "Historically, hiring on Wall Street has recovered before the rest of the economy," Richard Lipstein, managing director at Boyden Global Executive Search, told the Philadelphia Inquirer.
Desirable Degrees:
Accounting
Finance
Average Starting Salaries:
Economics: $52,909
Finance: $49,607
Accounting: $47,982
Search for Accounting/Finance programs.


#5 - Engineering Degree
It might surprise you to learn that engineering degrees are ranked fifth in terms of employment - and not first - but don't start feeling sorry for engineers just yet. According to a survey by the National Association of Colleges and Employers, eight of the top 10 best-paid majors are in engineering.
Desirable Degrees:
Biomedical Engineering
Civil Engineering
Electrical Engineering
Mechanical Engineering
Network Engineering and Administration
Programming and Software Engineering
Average Starting Salaries:
Petroleum Engineering: $86,220
Computer Engineering: $60,879
Mechanical Engineering: $58,392


#6 - Marketing Degree
Demand remains strong for marketing graduates in the business world, though a more general business administration degree, ranked number two overall, gets the edge in today's tight job market because of its broader application.
Desirable Degree:
Marketing
Average Starting Salary:
Marketing: $42,499
Search for schools with local and online Marketing degree programs now.
All salary information from the National Association of Colleges and Employers' Winter 2010 Salary Survey, which looked at starting salary offers for new Class of 2010 college graduates

GREAT POST PHOEBE!!

FORGIVE!

Through forgiveness, I am free to live a full and joyful life.

Whenever you stand praying, forgive, if you have anything against anyone.
Mark 11:25

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Joyful Day!

LAKERS GAME #1 GO LAKERS GO !!!!!!!!!!
SWISH!!!!! ALL NET!!!!!

Cleaning Tricks To Make Appliances Last!!

As it turns out, the secret to keeping appliances running smoothly is cleanliness—or at least that’s what Kirby Mills, owner of At Your Service Appliance Repair in Kansas City, Missouri, tells The New York Times, having seen hundreds of appliances malfunction due to “goo, dust, and gunk” every year. I learned this the hard way a couple months ago when my dishwasher stopped working, only to discover later (following a very expensive visit from a repairman) that the problem was simply a filter that needed to be rinsed. It really doesn’t take much time or effort to clean appliances, and doing so can extend their lifespan by years. Here’s a re-cap of how to best go about this:

Dishwasher: Take out the racks. Check the corners and the rubber lining around the door for cracks and food residue. Clean out both with a sponge and plastic-bristled brush (don’t use metal as it can damage the machine). Consult the owner’s manual and remove the spray arms and wash them with soap and water. If you’ve got a filter basket at the base of your dishwasher, carefully remove the filter itself and give it a rinse as well. Slide your hand in the filter hole and check for debris. Put the pieces back together and run the machine empty with a bit of detergent.

Refrigerator: The coils underneath the machine tend to get clogged with dust, which can make it hard for the compressor fan to circulate fresh air. To make sure they’re all clear, unplug the machine, get down on the floor, and pull out the vent plate that covers the coils. Then use a vacuum hose to clean the coils. It’s also good to wipe down the door gasket as with a warm damp cloth to make sure there’s no sticky build-up there, which can cause the gasket to tear (and inhibit your fridge’s ability to refrigerate).

Air conditioner: Similar to refrigerators, air conditioner coils need to be cleaned every once in a while—now, a.ka. the beginning of the season, is a particularly good time to do this. Remove the filter cover and run a vacuum brush over the coils. While you’re at it, pull out the filter and clean or replace it, depending on what kind of model you have.

Vacuum: This is one of the most oft-neglected household gadgets. Filters and bags need to be swapped out at least annually. If you have a bagless model, wipe out the canister with a sponge. Test it’s suction power: try to vacuum up a bit of sand, and see if your vac sucks up the majority of it (if so, it’s in good shape—if not, take it to a local repair shop to see if it’s just a question of changing out a part. If you’ve got motor issues, it’s probably more cost effective to buy a new vacuum).

Ceiling fan: If you notice the blades on yours are wobbling, you’re in for trouble—this wears out the motor a lot faster. Dust off the tops of the blades and tighten the screws to make sure everything is locked into place.

Stove and oven: Gas stoves in particular need to be kept clean to ensure burners and igniters will keep on for years. A warm cloth and a bit of dish soap is all you need to get them spic and span. Mr. Fleshman from Fleshman Appliance Repair tells The New York Times that the self-cleaning feature should be avoided, since the super-high-temperature can be hard on your oven’s wiring and electrical components. Instead, after you’ve used your oven, wait until it’s cool enough to touch but still warm, and wipe it down with a moist cloth. Fleshman also says not to worry about stains, “always tell my customers, if people are looking in your oven and complaining about it being dirty, you shouldn’t have those people in your home.”

REJOICE!

I rejoice and give thanks for blessings great and small.

Let your faithful rejoice in your goodness.
2 Chronicles 6:41

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Blessed Day!

LAKERS WON GAME #1 !!!!!!!!!!
GO LAKERS GO...!!!!!!!!!!
GREAT JOB LAKERS AS A TEAM!!!!!!!!!!

Phoebe,

Thanks a Bunch for all of The Cleaning Tricks!!!!!

EVERYONE HAVE A GREAT WEEKEND!!!!!

WORLD PEACE!

Divine love lifts our minds, hearts and actions to peace.

God called the dry land Earth....And God saw that it was good.
Genesis 1:10

God Bless,
Tawnette (72)
Have a Peaceful Day!

Thank You Phoebe, Wayne (Webmaster), Tawnette and Edmund for the lovely Birthday Wishes! I had a very nice and relaxing birthday with family. I'll do some more celebrating later! Thanks again, you guys are the best!
Love Trish

Trisha,

Glad you had a Nice Birthday!!!
Take Care,
Tawnette

FAITH!

I plant seeds of faith, which grow into the garden of my life.

Now faith is the assurance of things hoped for, the conviction of things not seen.
Hebrews 11:1

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Glorious Day!

LAKER GAME # 2 TONIGHT!!
GO LAKERS GO!!
DO WHAT YOU DO BEST-W W W-I I I-N N N!!
LAKERS ARE 1-0
SWISH!! ALL NET!!

DIVINE ORDER!

I am in harmony with divine order.



Put things in order ... and the God of love and peace will be with you.
2 Corinthians 13:11

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Peaceful Day!

HAVE A GREAT DAY & WEEK EVERYONE & GOD BLESS!!

GRATITUDE!

From a place of gratitude, I see beauty in everyone and everything.

We welcome this in every way and everywhere with utmost gratitude.
Acts 24:3

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Beautiful Day!

Laker Game #3 Tonight!!!

GO LAKERS GO!!!

WE NEED A WIN!!!

LAKERS ARE 1-1

SWISH!!!

ALL NET!!!

LAKERS WON GAME #3 GO LAKERS GO...!!!
GREAT GAME TONIGHT!!!
THE LAKERS PLAYED AS A TEAM!!!
THE LAKERS ARE 2-1!!!

Hey Tawnette,
I don't always get to watch the Games, but I watched tonight. It was a Great Game. It kept me on the edge of my seat. Boston and their Coach behaved badly tonight and to me are really sore losers. The Lakers tonight were so steadfast, hungry and determined. I believe that with that type of mindset and ethic going for them today that's why they won tonight. Great Job Lakers, (Kobe, Derrick, Paoul, and the rest of the Team) keep it up!! GO LAKERS!!
Love and Blessings, Phoebe Macon c/o '75

7 Money Mistakes We Make Every Day

For all the financial advice we find in books, magazines, and online, we still make a lot of mistakes when it comes to money. Some of these mistakes might not cost us much, but others can cost us a small fortune. And even the small mistakes, multiplied over a lifetime, can add up to a princely sum.

In the hope that we can make better financial decisions, here is a list of some of the common money mistakes many of us make every day:

1. Buying expensive mutual funds: Do you know how much you pay for the mutual funds in your retirement account? If you don't know, you're not alone. Mutual fund companies don't send out monthly or quarterly bills. Instead, they quietly deduct their fees from the returns on your investments. These fees, quoted as an expense ratio (a 1 percent fee means you are paying 1 percent of your account balance in fees each year), add up to thousands of dollars over a lifetime of investing. To see just how much you are paying, use a free service such as Morningstar.com to track the actual expense of your mutual funds and ETFs. You can track your portfolio for free on Morningstar, including the total cost of your investments.


2. Neglecting credit scores: Credit scores have a major impact on our financial lives. An excellent credit score results in lower interest rates on mortgages, car loans, and credit cards. It also results in lower insurance premiums. But many do not know their credit score or how their financial decisions shape their score. The first step is to regularly review your credit report, which is available for free from annualcreditreport.com. You can get your report from each of the three major credit bureaus for free once a year. Checking each report for errors can not only improve your credit score, but also help guard against identity theft. While your report will not include your credit score, there are several options to obtain your credit score for free or at a low cost.

3. Equating monthly payments with affordability: Far too many of us decide whether we can afford something based on whether we can manage the monthly payment. This is particularly true for homes, cars, and furniture. But just because we can handle a payment does not mean we can truly afford something. Monthly payments also ignore the true cost of ownership. A car, for example, costs a lot more than the monthly payment when you consider insurance, gas, repairs and maintenance. Instead of focusing on the monthly payment, separate needs from wants and evaluate how you might better use the money. If you still have consumer debt, for example, consider paying the debt off before buying something that will commit you to future monthly payments for potentially years to come.

4. Overpaying on a mortgage: Reducing a mortgage by even 1 percent can result in substantial savings. Whether because of falling mortgage rates, which are at historic lows, or an improved credit score, many may be able to save thousands of dollars over the life of their home loan by refinancing. Yet for various reasons, many have not taken advantage of falling rates. Even if you have a low rate now, check current mortgage rates to see if you can do better. In some cases, a savings of just 1% or less can justify the cost of refinancing.

5. Missing good deals online: Thanks to the Internet, you can find deals, coupons and promo codes on just about anything. And many retailers offer additional discounts if you buy online. From cell phones to home improvement, the savings can be substantial, and shopping online is often far more convenient than driving around town and waiting in lines. The problem is that we often make purchases completely unaware that these deals exist. To find these deals, search online for coupons before you make significant purchases and bookmark coupon sites such as Retailmenot.com and Fatwallet.com, which regularly update the latest offers from popular retailers.

6. Overpaying taxes: A big tax refund can be a source of much needed cash each year. But a tax refund is the result of having too much tax withheld from your paycheck, which gives the government an interest free loan with your money. Instead of letting the government hold on to your money for up to a year, adjust your withholdings so you can pocket your money now. The goal should be to match your withholdings as close as possible to your tax liability.


7. Making minimum payments on credit cards: Even low interest credit cards charge a high interest rate. As a result, making the minimum payment on credit card debt will add a lot of interest to your total payments over the life of that debt. Making just the minimum payment also extends the time it takes to pay of the debt by many years. Rather than making just the minimum payment, commit to paying more than the minimum, even if by just a few dollars. Allocate some or all of your next raise to your credit card payments, and reexamine your budget in an effort to increase the payment as much as possible.

Phoebe,
Glad you got a chance to see GAME 3 and Enjoyed it!!! The Lakers "Showed Out " and Played as A Team. Glad to hear from another Laker Fan!
Take Care,
Tawnette

Phoebe,
Great Financial 411! Thanks for keeping us informed.
God Bless,
Tawnette

MINDFULNESS!

I am alive and awake in the present moment.

The Lord has been mindful of us; he will bless us.
Psalm 115:12

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Blessed Day!

GUIDANCE!

The wisdom of Spirit guides me.

Then the angel of God said to me in the dream, "Jacob," and I said. 'Here I am!"
Genesis 31:11

Taken from The Daily Word

God Bless,
Tawnette (72)
Have a Good Day!

Laker Game #4 Tonight!!!!

Put on your Game Face!!

Go Lakers Go...!!!!

Do what you do best WWW-III-NNN!!!!

Lakers are 2-1!

A voice came from heaven, "You are my Son, the Beloved; with you I am well pleased."
Mark 1:11

God Bless,
Tawnette (72)
Have a Pleasant Day!

EVERYONE HAVE A GREAT WEEKEND!

TO ALL ALUMNI "HAPPY SATURDAY" AND "HAPPY WEEKEND" EVERYONE!!

P.S. Thanks Tawnette!!

Love and Blessings, Phoebe Macon c/o '75

Thank You & Back-At-Ya Ladies,
Happy Saturday & Happy Weekend to all Alumni!
Love Ana

Thanks Phoebe and You're Welcome!!

Thanks Ana!

But be glad and rejoice forever in what I am creating.
Isaiah 65:18

God Bless,
Tawnette (72)

Thanks Tam and You Have a Lovely Sunday Too!!
God Bless,
Tawnette

So if anyone is in Christ, there is a new creation: everything old has passed away; see, everything has become new!
2 Corinthians 5:17

God Bless,
Tawnette (72)
Have a Joyful Sunday!

Lakers Play Today!!!!! Game #5
Go Lakers Go...!!!! 2-2
We Need A Win!!!!!
Swish!! All Net!!!

HAPPY MONDAY EVERYONE & HAVE A VERY BLESSED WEEK!!
Love and Blessings, Phoebe Macon c/o '75

and................................................

Thanks Phoebe and a Happy Monday and a very Blessed Week to you too!!
God Bless,
Tawnette

On the day I called, you answered me, you increased my strength of soul.
Psalm 138:3

God Bless,
Tawnette (72)
Have a Wonderful Day!

POEM: Months And Seasons (By: Meish Goldish)

January, February, middle of March,
Brrr! In the cold I'm stiff as starch!
Let's make a snowball, sled down a hill.
Wintertime, wintertime, time to chill!

April, May, to the middle of June,
Ahh! What a nice cool afternoon!
Let's fly a kite, and plant pretty flowers.
Springtime, springtime, time for showers!

July, August, middle of September.
Ouch! Got a sunburn I'll always remember!
Let's go swimming, let's eat a peach.
Summertime, summertime, time for the beach!

October, November, middle of December.
Hey! each day grows shorter than September!
Let's see the leaves fall, let's bake a cake
Autumntime, autumntime, time for a rake!

Hooray for the seasons all through the year,
One just left and another one's here!
I love the seasons, each is a ball:
Wintertime, springtime, summertime, fall.

(By: Meish Goldish)

GOD BLESS YOU ALL & HAPPY TUESDAY FRIENDS!!

Love and Blessings, Phoebe Macon c/o '75