Apr

22

Good News Goods – April 2010

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It’s spring! The flowers are blooming, the birds are singing, and new life has been given to our old website.

Visit the new website

For more information about our Fair Trade Initiative and how to get involved visit goodnewsgoods.com

We have recently come through the season of Lent—the time of taking a moral and spiritual inventory of our lives—and are now being ushered into Easter to celebrate the resurrection of our Lord Jesus and through Him, the birth of a new creation, a new Kingdom, a new way of living, The Way!

As Walter Brueggemann says, “The gospel helps us to shatter settled realities and evoke new possibilities!” But what is the point of believing in the resurrection if we are not living the resurrection? We are called to the Jesus-shaped way of being human, and His heart beats for the poor and the marginalized, the abused and the broken, the ignored and the forsaken.

We are called to a radical re-ordering of our lives—where our spiritual and private lives collide; where we reconsider the impact that our daily choices have on other people near and far; where we are intentional about our consumer habits because we know our spending is just as much as discipleship issue as our tithe giving; and where we are constantly seeking out ways to alter our lives in the pursuit of biblical justice. This is not an altar call, but rather it is an Alter Call.

One simple way to follow this call is through Good News Goods, the Fair Trade Initiative of the Christian Life Commission. Go to goodnewsgoods.com to read more about this initiative, to access resources, to sign up your church to get involved, and to shop online for Fair Trade products.

Apr

21

TBOWH Updates – April 2010

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May 30, next Texas Baptist Offering for World Hunger 5th Sunday Promotion | Check www.texasbaptists.org/worldhunger for promotion videos and resources.

We Have No Hunger in Whitehouse, Texas!

Ray Davis, pastor of First Baptist Church Whitehouse, Texas, a predominantly upper middle class city close to Tyler, was like most of his church members and neighbors when asked the question, “Where do you find hungry children in Whitehouse?”  Until recently, his answer would likely have been, “Hungry children??”  “In Whitehouse??”

Until the day when one of his congregants, a third-grade teacher at Higgins Elementary, said to him, “You won’t believe what happened to me today at school!  Something I would have never guessed would have happened at MY school in Whitehouse, Texas!”

It was Monday morning and this teacher had her lunch sitting on her desk.  One of her third-grade boys came up and asked her, “Is that your lunch?”  She replied that it was as she continued to write on the board.  About that time, the little boy grabbed the sack and ran out into the hall.  When the teacher found him, he was stuffing the contents of the lunch into his mouth as fast as he could choke it down.
“Why did you take my lunch?” she asked him as she walked him to the principal’s office.  He said, “I haven’t had much to eat all weekend, and I’m hungry.”  The little 9-year old boy considered the cost and decided it was worth it…grab what you can, get a few bites, even if you do get in trouble.

This story was so disturbing to this teacher, her pastor, and other members of First Baptist, that it compelled them to answer the serious question, “Does Whitehouse have children who come to school on Monday morning and are hungry from eating very little all weekend??”

The result has been a wonderful project coordinated and funded by First Baptist Whitehouse and, as of now, the Texas Baptist Offering for World Hunger.  Using the East Texas Food Bank model, volunteers from the church sent letters to all the children in Higgins on the free lunch program explaining the Backpack Kids program they were starting.  They then bought backpacks from the Food Bank and now fill them every Thursday with non-perishable food to be sent home with children who have a signed permission slip on Fridays.

Out of 287 children on free lunch in Higgins Elementary, 90-100 children go home every weekend with a backpack full of food.

Ray Davis and members for First Baptist Church Whitehouse decided to stare into the face of hunger in their community rather than looking away and make a difference in the lives of precious children in need.  These volunteers admitted there are indeed hungry children in Whitehouse, and it is unacceptable when we have resources to do something about it!

If you are interested in starting a backpack program in your school, please contact Joyce Gilbreath, joyce.gilbreath@texasbaptists.org, 214-828-5190.

Because you give, we are able to give back to those in need.

Donate now!

NEW DOWNLOADABLE VIDEO FOR YOUR 5TH SUNDAY PROMOTION

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Apr

21

Public Policy Update – April 2010

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Ending Underage Drinking, Tobacco and Drug-use
This spring, the CLC has been working with one of our partner organizations, Texans Standing Tall, to educate Texans on ways to make alcohol, tobacco, and other drugs irrelevant in the lives of youth. The CLC has presented information on legislative action in the 2009 session at two regional forums in San Antonio and Austin. City and county employees, school district and university officials, drug and alcohol treatment counselors and members of non-profit organizations all participated in these forums and worked together to find local and state-level solutions to end underage usage. Among the bills the CLC has presented is keg registration, one of our key issues during the 2011 session. The next forum is on April 22 in Midland, and the last forum in the 2010 series in on May 11 in Lubbock. Please see the calendar of events for more information.

Statewide Summits on the Trafficking and Exploitation of Children
Texas Baptists is proud to have sponsored two statewide summits, in Dallas and Houston, to raise awareness on the trafficking and exploitation of children. The summits were hosted by Children at Risk, a Houston-area non-profit. Tomi Grover, Director of Community and Restorative Justice in the Advocacy/Care Center at the BGCT, spoke to a captive audience about the importance of engaging the faith community in ending childhood slavery. Sen. Leticia Van de Putte (D- San Antonio), Rep. Randy Weber (R- Pearland), and Rep. Senfronia Thompson (D- Houston), Rep. Carol Kent (D- Dallas), Rep. Rafael Anchia (D- Dallas), and Rep. Paula Pierson (D- Arlington) participated in panel discussions on the upcoming 2011 session. Other local and statewide officials including Attorney General Greg Abbott and staff from the TABC and the FBI discussed law enforcement and best practices for childhood exploitation prevention and treatment. The CLC is dedicated to working with these state officials to increase awareness on this issue during the 2011 legislative session.

Students from Baptist University of the Americas Visit Austin
The CLC Austin Office was delighted to host Patty Villarreal’s Ministry and Community class from Baptist University of the Americas last week at the Texas Capitol. The students are interested in social work and community ministries and how public policy affects the lives of those they hope to minister too. The day began with a tour of the capitol building, followed by in-depth presentations and conversations about the CLC, including what the CLC does during a legislative session, how predatory lending affects the state of Texas, and how they as college students can combat human trafficking. The students ended the day with a visit to the office of Rep. David Leibowitz (D-San Antonio) whose district includes the BUA campus. The representative’s chief-of-staff discussed the legislative process and internship options with the class. We were delighted to host the group and are happy to welcome similar groups interested in the legislative work of the CLC.

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Apr

21

In The News – April 2010

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ALCOHOL, TOBACCO & ADDICTION

BUDGET

CHILDREN

CHURCH/STATE

CRIMINAL JUSTICE

EDUCATION

ENVIRONMENT

GAMBLING

HAITI

HUNGER & POVERTY

IMMIGRATION

MINISTERIAL ETHICS

PAYDAY LENDING

DailyFianace.com Costly Cash Payday Loans Series:

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Apr

21

Central Dallas Ministries Needs Your Help This Summer

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Currently, only about 9% of eligible children in Dallas are being fed through the summer – 91% of eligible kids will be hungry?!

Community Care in Advocacy Care is working with the Texas Hunger Initiative, Dallas Baptist Association and the Dallas Food Planning Association to assist in Summer Feeding of the children in Dallas.

Here is some information of an opportunity in a local missions project to work with their mobile distribution endeavors through Central Dallas Ministries.  They need groups that will commit to a week at a time – a schedule is at the bottom – they will do trainings on Monday mornings for the groups.

The Nurture, Knowledge, & Nutrition Department at Central Dallas Ministries seeks to improve the quality and quantity of meals consumed by children under the age of 18 throughout various urban areas in the city of Dallas. Our goal is to strengthen our connection to the community, which positions us to make a significant change in the lives of thousands of children each day. Through three distinctive program aspects, NKN works directly with both Texas and United States Departments of Agriculture to implement meal service programming that is suitable according to the guidelines and regulation implemented by these entities. Volunteer positions are designed for assisting staff members with the NKN Mobile Summer Food Service program operations and services through many supporting roles.

The Nurture, Knowledge, & Nutrition department is seeking out qualified individuals partake in a 9 week mobile summer food program beginning June 14, 2010.  The program will allow students to interact with various community outreach programs for children while incorporating the fundamental values and beliefs of true mission work. Mileage reimbursement of $0.50 per mile in mileage obtained through travel occurred as related to the program (one mileage reimbursement per group 4 individuals) in addition to a daily lunch reimbursement will be provided for each participating individual. The following areas list the primary responsibilities and required standards for each candidate who participates in the program:

  1. Assist site supervisors in controlling and maintaining lines for participating children.
  2. Assist with passing out meals to participating children.
  3. Assistance with controlling and eliminating any leftover trash and/or meals from each location.
  4. Assisting site supervisors with crowd control.

In addition to these responsibilities, the following requirements are necessary for each group of candidates who are seeking to participate:

  1. A minimum of one full week (Mon.- Fri 8:30am-5:00pm) of participation
  2. Reliable transportation and ability to travel frequently throughout the city of Dallas and surrounding areas. (1 car and driver per each route)
  3. Ability to work in a fast paced environment that requires a lot of one on one interaction
  4. Basic communication skills including interaction with children, crowd control, etc.

As noted in the requirements, is group is asked to dedicate a MINIMUM of 1 FULL week (Monday-Friday 8:30am-5pm). Please choose from the following weeks:

  • June 14- June 18
  • June 21- June 25
  • June 28- July 2
  • July 5- July 9
  • July 12- July 16
  • July 19- July 23
  • July 26- July 30
  • August 2- August 6
  • August 9- August 13

FOR MORE INFORMATION CONTACT:
Ashley Douglas, Program Manager
Nurture, Knowledge, & Nutrition
Central Dallas Ministries
409 N. Haskell Ave.
Dallas, TX 75246
P: 214-828-1085 Ext. 140
F: 214-828-6392
www.centraldallasministries.org

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Apr

21

A Word From Suzii – Wall Street, Main Street, Online

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“A casino economy” this phrase has been used widely to denote the flagrant risk, greed and exploitation characterizing the recent economic meltdown. “Casino economy” practices go deeper into the American mainstream, however, than a one-time crisis. Greed and exploitation can find their way into almost any American venture replacing Biblical values of thrift, stewardship and shared prosperity. Just this week the following examples of deception and predatory practice emerge on Wall Street, Main Street and Online. Sadly, they are lost news because they can be replicated in almost any week.

Just business ? Sanctioned fraud masquerading as investment: The Securities and Exchange Commission filed a civil lawsuit against Goldman Sachs for securities fraud on Friday, charging the bank with creating and selling mortgage-backed securities that were intended to fail. According to the complaint (pdf), Goldman let John Paulson, a prominent hedge fund manager, select mortgage bonds that he wanted to bet against because they were most likely to lose value and packaged those bonds into the “Abacus” investments, which were sold to investors like foreign banks and pension funds. As those securities plunged in value, the Paulson hedge fund made money on the negative bets, while the Goldman clients who bought the investments lost billions of dollars.

Just business ? Cheap, but you are supporting the criminally convicted: FLDS (the extreme Mormon sect in San Angelo) owns and operates a cement plant and building services business and will contract to build more cheaply than other local contractors offering San Angelo area residents low price contracts. The leader of this group, Levi Jeffs, plead no contest to sexual assault and bigamy charges of the 16 year old girl in question. He received two eight year prison sentences earlier this week. Jeffs is the fifth man to be found guilty in Texas on charges… based on evidence seized by authorities during an investigation at the ranch in April 2008. The other four FLDS defendants — among them the father of Jeffs’ victim — received sentences ranging in length from seven years to 75 years.”

Just business ? Financial service turned financial exploitation: As one example of hundreds of payday loan outlets (www.Nationalpayday.com) advertises their quick cash advances to help you in any situation. “If you need a quick cash advance or payday loan, let us help. We are the best quick solution for any cash flow problem. Our online payday loans and cash advances give you the emergency cash you need until your next payday. No matter what you need money for, our quick and easy check cashing service provides the assistance you’ve been looking for”… at 500% interest and above, is this help or an invitation into a cycle of debt?

Also from National Payday website: “The following table provides examples of the cost to obtain a payday loan or online cash advance. The APRs are based on example loan terms of one payment (“Check Amount”) due in 16, 14, and 7 days. (These figures do not include additional fees of up to $60 charged to each loan at many lenders)

Greed is classically regarded as one of the seven deadly sins because greed is so pervasive and harmful. Unlike ancient Rome, Americans have something to say about the laws which are supposed to enact justice in society. We vote for candidates who are charged with passing just laws. .. We are a people who overwhelmingly say that we are influenced by the biblical tradition which requires justice. We can’t very well plead innocence if the laws of society are unjust because we are the people who in a democratic society preside over the passage of these laws. Our laws are a reflection of who we really are as a society–not who we say we are–but who we really are.

And who are we?

Are we people who are willing to lament and raise our voices?  The prophetic witness of scripture including Moses, Jeremiah, Isaiah and Christ began with sincere lament over the suffering and injustice.  A central calling for our Christian community is simple WITNESS. Speaking our values of thrift, stewardship and shared prosperity is an act of faithfulness. Will you consider voicing your concern over the expressions of greed and exploitation you see in your own workplace or community?   Will you join others in your city and state to control the growth of payday lenders and auto title loan sharks?

:: Resolution on Financial Stewardship (pdf)

Are we a people willing to act with consideration of the interest of others? There is no need to forgo our own interests to support the interests of others. Our country has passed through ages of unbridled greed before – and there has been a correction through law, advocacy, incentives and market forces. We need a correction to “casino economics” so that there is a balance of fiduciary responsibility to millions of investors and employees, as well as to shareholders. The impact of ethical practice is to build an ethical IDENTITY, not just a whenever- it’s-in-my-own-interest incidental ethical action.

Businesses go to great lengths and great expense to construct a public relations face to conceal predatory or exploitive practices. One particular troubling trend today is for businesses to create charitable foundations that give away relatively small amounts of money with great fanfare and flourish. Not that the charitable work they do is undesirable, but if the  charitable foundation is a public face masking  predatory and exploitive  business  models that harm consumers, employees and investors, then  the charity is merely a contrived device to perpetuate destructive greed.

This type of good face/bad practice trend is evident in many communities that embrace casinos in exchange for support for local nonprofit organizations.  It is evident in the TV and radio ads claiming the Texas Lottery supports education when the money raised by the Lottery only supplants General State Revenue that is Constitutionally committed to support education. “A Lottery dollar in is a General State Revenue dollar out.” No matter how much the Lottery makes, the education budget remains the same, but the public message directs you to believe that your Lottery ticket will add to Texas education.

As Susan Hamill, a former NY tax lawyer and professor at University of Alabama law school, remarked, “Some people say that Christians should focus on charity, and withdraw our voice from the economic marketplace. The Bible calls us to charity, but charity is not the same as justice. Charity involves voluntary generosity, but biblical justice requires systemic and structural righteousness for all people, and particularly for the most vulnerable people in society. Charity and justice are both pillars of righteousness, but an abundance of charity does not substitute for the absence of justice. An “A” in charity and “F” in justice do not average out to a “C” in righteousness.”

Although the marketplace and other media of commercial interface are changing rapidly, we are not yet a generation away from the values of thrift, stewardship and common prosperity. These little embers of economic ethics need to be fanned into brightness as we approach an eminent turning point in local and global economics. We build the structures, we buy the products, we buy the stock, we invest and we elect the officials. If there is a need to return to the values and thrift institutions envisioned by Ben Franklin, then it is a faithful presence and prophetic witness that can usher in balance.

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Apr

21

Bike Out Hunger Update

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You can find the latest information and stories from the ride on our website.

http://texasbaptists.com/bikeout/

Can’t ride but want to be a part of this event? Just because it has already started, doesn’t mean you can’t participate. If you want to ride find out where we’ll be, e-mail Rand (rand.jenkins@texasbaptists.org) so we know to expect you, then just join up.

It’s also not too late to join financially either. Sponsor a specific rider or simply help the cause.

Cyclists riding to end hunger in Texas!

Bill Analla
Abilene		 Jeff Mitchell
HPU/Coggin Ave BC, Brownwood
Bobby Broyles
Pastor FBC Ballinger		 Delaine Mueller
Austin
Jerry Carlisle
Pastor FBC Plano		 Ryan Musser
FBC Hewitt
Seth Chambliss
UMHB		 Steve Norris
FBC Gatesville
Jeff Chaumet
HPU		 Remington Reed
Steve Dominy
Pastor FBC Gatesville		 Rachel Robinson
Laura Driggers
HPU		 Brad Russell
The Heights BC, Richardson
Ferrell Foster
BGCT Dallas		 Gene Seaman
Corpus Christi
Holly Glover
UMHB		 Paula Seaman
Corpus Christi
Job Gonzalez
Baptist Temple, McAllen		 Gary Singleton
Pastor The Heights BC, Richardson
Zach Green
HPU		 Danny Slaughter
FBC Ballinger
Rick Gurney
FBC Plano		 Derek Smith
HPU
John Hall
BGCT Dallas/
The Heights BC, Richardson		 Amber Stark
Baylor/Waco
Dalton Hutchins
HPU		 Gary Succaw
HPU/Coggin Ave BC, Brownwood
Rand Jenkins
BGCT Dallas/FBC Arlington		 Sheila Towell
HPU
Mickey Kerr
UMHB		 Simone Tucker
UMHB
Angelie Lara
HPU/Midtown BC, Brownwood		 Jim Ward
HPU
Rene Maciel
President BUA/San Antonio		 Morgan Woodard
Pastor FBC Golinda
Brent Marsh
HPU/Southside BC, Brownwood
Bike Out Hunger

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Apr

21

Ethics in Action – Payday Lending

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By Amy Wiles

I remember sitting at my desk on the first day of my internship at the Christian Life Commission – nervous, excited, and feeling a bit like a fish out of water.

I had recently ended a five-year teaching career as a public school music teacher to follow a call to ministry and attend Austin Presbyterian Theological Seminary.  My seminary education and experience serving and attending churching communities had taught me that pursing justice was a part of the Christian call to discipleship.  My problem – I had no idea how to do that.  Don’t misunderstand me. I had wonderful opportunities to serve people through mission trips to places like New Orleans, Toronto, Kenya, and my own hometown.  Still, I had very little experience working to change the systems that created poverty, inequality, and injustice around me.  I had done the important work of treating the symptoms of these systems, but had never reformed the systems themselves.  Serving others in church ministries had raised many questions.  Why do people live in poverty?  What can be done to fix the problem?  How can I help to change systems of injustice?  But, I didn’t have the answers and didn’t know where to find them.  So when I heard about the internship at the CLC from Suzii Paynter, I jumped at the opportunity to learn more about advocacy, public policy, and how I could help.

On my first day, Suzii tasked me with learning more about predatory lending and had given me a report from the Commission on Thrift to read.  The report talked about credit cards, gambling, and sub-prime mortgages – topics that I vaguely knew.  Then, I began reading about payday lending, and I was shocked by what I found.

Payday loans are small dollar loans with enormously high service fees and interest rates that offer instant cash with no credit check.  On average, these fees and interest rates amount to 500% APR.  Borrowers secure the loans with a checking account and are expected to pay back the full amount in two weeks.  If they cannot pay the full amount, the borrower rolls over the loan paying another high fee.  Many borrowers roll over loans multiple times before being able to pay the entire loan.  Payday lenders profit from creating this cycle of debt.  Even worse, they prey off of the most vulnerable in our society.  A recent survey conducted by Texas Appleseed (pdf) found that most borrowers work for $30,000 a year or less and use the loans to secure basic necessities like groceries, rent, mortgages, or medical expenses.

The Texas Finance Code sets restrictions on fees and payment periods.  Yet, many lenders operate as Consumer Service Organizations (CSOs) in an effort to avoid regulation.  CSOs register with the Secretary of State but are not regulated by or required to obtain a license from the Office of Consumer Credit Commissioner.  This business model takes advantage of a loophole in Texas law and sidesteps many state regulations on the books.  Consumers have no place to voice complaints, and data concerning industry business practices cannot be collected.  Without closing the loophole, the Office of Consumer Credit Commissioner cannot react to the industry’s wrongful business practices.

I was outraged that this multi-billion dollar industry was preying off of the poor and no one was stopping them.  Everyday during those first few weeks of my internship, I would rush home to share what I had learned with my husband, my mom, or a classmate.  I relished the opportunity to write articles for the Baptist Standard and speak at conferences and with student groups.  Like myself, most of the people I talked to had no clue that this industry was running rampant in Texas.

When I talk to Christians about payday lending, they are shocked, appalled, and generally ask, “Why are payday lenders unregulated?  How are they getting away with exploiting the poor?  How can I help?”  They ask the same question that I was asking at the beginning of my internship.  But, now I have a few more answers.

As Christians, we are called to be a prophetic voice to a hurting world.  We are called to speak up for those who have no voice.  We are called to speak for the victims of predatory lending and find ways to pull them out of the cycle of exploitive debt.  We can make our voice heard by urging local government officials to pass resolutions calling on the state legislature to close the loop hole in the 2011 Legislative session.  More cities can pass ordinances like Irving and Richardson that restrict zoning regulations of payday and auto title lenders.  People can sign petitions and share personal stories about how payday lending has negatively affected them.  Churches can offer financial education classes like Money Smart to warn people about the predatory practices of payday and auto title lenders.

The AARP and Texas Appleseed along with other partnering groups have initiated the 500% Interest is Wrong campaign to further educate people about the devastating effects of payday lenders and offer avenues for people to speak out against predatory lending.  I encourage Christians to educate themselves about the issue of predatory lending, join the campaign, and speak out for those who have fallen victim to payday loans.

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Apr

21

Living the Christian Life – Enjoying the 2010 CLC Conference at Home

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The 2010 Christian Life Commission conference was a success by any measurable terms. This year marked the first time the conference was held in the Rio Grande Valley. The hospitality, enthusiasm, support and encouragement from McAllen and the surrounding communities was fabulous. The CLC would like to especially thank Josué Valerio, Director of the Missions Mobilization Team for the invitation and Daniel Rangel, Director BGCT River Ministries, for getting the word out. The staff and members of the beautiful Calvary Baptist Church also deserve our gratitude for serving as gracious hosts.

The conference featured dynamic and thought provoking speakers, a look at timely issues and the opportunity to develop and deepen relationships. Thanks to the hard work of the Texas Baptist communications team, those of you unable to attend can now access video of the entire conference including follow-up interviews with the presenters. The theme of this conference was Neither Need nor Greed: Christian Stewardship of Money and Resources. From a look at the Biblical foundation for stewardship, to a prophetic word about the church in our economic times, to challenging public policies that hurt the poor and encouraging churches to provide personal financial literacy classes, the conference took a look at money and economics from many different angles.

To watch the presentations you should right click on the link and save to your computer to be watched in Quicktime. The interviews can be watched online via YouTube.

Theme Interpretations by Ellis Orozco
1 – http://www.bgct.org/documents/mp4/20100331-Ellis_Orozco_Theme_Interp_1.mp4
2 – http://www.bgct.org/documents/mp4/20100331-Ellis_Orozco_Theme_Interp_2.mp4
3 – http://www.bgct.org/documents/mp4/20100331-Ellis_Orozco_Theme_Interp_3.mp4
YouTube Interview – http://www.youtube.com/watch?v=mEPoEmEm8MQ

David Blankenhorn - “Confronting the Debt Culture: The New American Thrift”
http://www.bgct.org/documents/mp4/20100331-David_Blankenhorn.mp4
YouTube Interview – http://www.youtube.com/watch?v=SZTaYJThFaA

Eloy Villafranca - “Money Smart–Never Too Late to Prosper”
http://www.bgct.org/documents/mp4/20100331-Eloy_Villafanca.mp4
YouTube Interview – http://www.youtube.com/watch?v=TW4lX1r3AQw

Stephen Reeves and Rob Kohler - “Better than Luck–Why the Lottery and Gambling are for Losers”
http://www.bgct.org/documents/mp4/20100331-Stephen_Reeves.mp4
YouTube Interview – http://www.youtube.com/watch?v=E8aS0Vcy0dE
YouTube Interview – http://www.youtube.com/watch?v=shSC_eR6QMk

Miguel de la Torre - “The Bible and Christian Economic Responsibility”
http://www.bgct.org/documents/mp4/20100331-Miguel_de_la_Torre.mp4
YouTube Interview – http://www.youtube.com/watch?v=451MJGDsxUE

Ann Baddour and Tim Morstad - “Predatory Lending and Credit Gone Bad”
http://www.bgct.org/documents/mp4/20100331-Ann_Baddour.mp4
YouTube Interview – http://www.youtube.com/watch?v=Jj0bAhIY4Qw
YouTube Interview – http://www.youtube.com/watch?v=vJgWeF-EVdg

Don Baylor – “The Bread of Life: Getting By and Getting Ahead in Texas”
http://www.bgct.org/documents/mp4/20100331-Don_Baylor.mp4
YouTube Interview – http://www.youtube.com/watch?v=vmgdkqUSze4

We value your input and suggestions.
Your comments and recommended resources are welcome in the comments box below.