The Awokening of those who Identify as Americans

 I believe that I, as well as many millions of others in this country, are beginning to "woke up" and  get real clear as to what they really stand for and choose what they identify as. It seems that we must word things differently than some to keep their minds from exploding  over our "old school" iterations. Take for example what is known as our Pledge of Allegiance. Everyone coming into this country legally must "Pledge Allegiance" to this great country. Unfortunately our flag and a persons Allegiance to this country is now coming into question. People enjoy freedoms that aren't afforded to citizens of any other country's. Yet they disrespect the very things and people who made it possible to enjoy these freedoms. There are those who take a knee or show other signs that they don't pledge their Allegiance to this country.

 There are lots of discussions about todays domestic terrorists, yet most of those government defined so called terrorists proudly pledge their loyalty to this great country. Yes, the are some extremists whos actions are not in alignment with the Pledge of Allegiance. Identifying domestic terrorists begs one to take a closer look at who those people really are. Aren't those who have chosen to enter this country without that Pledge of Allegiance, that we have committed ourselves to, until such time as they become legal, the actual domestic terrorists? Or those who openly choose to burn our flag or disrespect it in any way, are they not among the real domestic terrorists? There are those who have sworn to change our Constitution, seek to cancel the speech of those who are proud of being a citizen of this great country, and those who disrespect and seek to destroy our military and it's ability to fight to keep our freedoms. Are these not the domestic terrorists that our President swore an oath to protect against? Are we becoming so blind or so "woke" to see it for ourselves? Or have we become to afraid to see the domestic terrorists right in front of us. Our God given rights as well as our Constitutional rights provide each and every citizen the right to protect themselves from tyranny and oppression. The definition of oppression is "unjust treatment or control".  Our current day "Cancel Culture" is entirely based on oppression and is in direct conflict with our first amendment rights. Aren't those who wield that sword part of the very domestic terrorists that our forefathers spoke of in the Constitution? 

It seems as though the silent majority who are made up almost exclusively of citizens who have Pledged their Allegiance to this great country, are finally beginning to speak up and making their voice heard by not purchasing the "Bud Lights" or the "Targets", or the "CMT" videos. They are not  breaking windows and stealing everything they can get their hands on or burning cars in protest. The silent majority quietly yet dramatically voice their displeasure peacefully yet powerfully. There are two types of people in this world," those who want to be part of the problem and those who want to be part of the solution". Where do you stand? Are you part of the problem or part of the solution? I, for one Pledge my Allegiance to this imperfect country called America and will do all that I can to be part of the solution. May God bless this great country in which we Live, Love, and Prosper as we follow our God inspired Constitution of this United States of America.

What if we armed ourselves, our spouse and children with HONESTY, INTEGRITY, and LOVE FOR OUR FELLOW MAN?

 We scream and yell about the guns and the violence and the child abuse and the political abuses and Lies of those we vote into office to represent us. EVERY PROBLEM IN THIS WORLD all lead straight back to the HOME and the Parents. If all of our children were taught by a loving and honest set of parents we would not have most of these current issues. Mental health often can not be controlled however with proper awareness, loving and compassionate intervention can and would prevent many of the atrocities of today. What would happen if our laws were changed to not only punish the perpetrator but the parents of the perpetrator as well? Over time, don't you think parents would begin to think twice about their teachings (or lack of) and the example they set and show their kids? The fault does not lie with the guns or the knives or base ball bats, the fault , most of the time, with the parents!!!! Begin punishing parents as well and watch how fat our society would change. There are no "teeth" involved in how we raise and train our kids. Parents would think twice before divorcing, having affairs, church attendance, foul language in the home, AND ON AND ON AND ON!!!!! Our politicians would think twice before lining their pockets with tax payor dollars or driving our country toward a "One United World Order" and again ON AND ON.

The reality, of course, is that the above would never fly, however those of us who have Honor and Respect and Love for our neighbors and fellow man find ourselves actually living in the beautiful world described above. We live together in healthy neighborhoods where our examples rub off on not only our children but on our neighbors as well. When someone is sick friends come to help. The elderly are often assisted in life's challenges. Have we forgotten that "positive attracts positive"? It's when we star climbing the affluence ladder that we lose sight of the consequences. I can only hope and pray that more parents will think about and realize the need for two parent home life where our children can be taught as well as experience what Honesty and Integrity really looks like.

Why aren't we educating our YOUTH about MONEY?

Have you ever wondered why we were never been taught the TRUTH about MONEY? We were always taught to put our money in the bank and don't touch it, just save it. Sounds reasonable. We were always taught that we had to have good credit and to get credit cards. We have been lulled into believing that banks are our friend and that we have to borrow money in order to get what we want. We have become a debtor nation. WE HAVE BEEN LIED TO. Have you ever heard of "Fractional Reserve banking"? For every one dollar that you and I deposit in the bank, they can lend out 8-10 dollars using our one dollar as collateral. The Banking industry makes around 2600% profit for every single dollar that you and I deposit. No wonder we have always been taught to put our money in the bank. There is NO reason why we can't keep for ourselves the interest that we pay to banks and financial institutions.
     Have you ever thought about saving your money first then lending it too yourself and then paying yourself back including the interest you would have paid to a bank? First you need to find a safe place to put your money where there is no risk. BANKS ARE NOT IT! Putting your money in a bank only makes the bank money, and they don't share it with us. First of all, you will lose 3-4% of your money due to inflation, secondly, you will lose "Lost Opportunity Costs", or in other words you will lose what you could have made had you put the money somewhere to earn you money. Banks or rather the FDIC only insures your money up to $250,000, anything over that amount can be lost if the bank goes out of business. So where is the safest place to put your money you ask? In a Whole Life life insurance policy. In the last 150 years, no life insurance companies have gone out of business, a few have merged but none that I am aware of have ever gone out of business and burned a policy holder. There is little to no risk. Besides being "risk free" there are guaranteed returns on your money. They are NOT tied to the stock market, rather backed up contractually.
     To find out the rest of the "Truth About Money" contact Marlon at 702-203-5954.

Family Planning: How Are You Going to Pay for College?

Alpha Omega Wealth Team October 25, 2017

Planning for your children’s future can feel daunting. Fortunately, a bit of financial foresight can help you figure out how to pay for college without breaking the bank or compromising your child’s future by taking on too much debt too soon.

How to Pay for College without Breaking the Bank

Although working with a private wealth management firm like Alpha Omega Wealth is a good way to set up a long-term personal banking strategy, setting money aside for your financial goals is one of the best ways to pay for college without loans.

Financial Preparation: Cut Education Costs by Saving Early

The options that are best for your finances and your family will vary according to your unique situation. Knowing your options will both empower you and protect your family’s fiscal future. Some of the most popular college saving plans include:

529 college savings plans

Although each state has its own rules and restrictions for these accounts, annual investment limits are generous for 529 plans, enabling your family to stock away substantial college savings. Another bonus of 529 accounts is that those accounts owned by parents are tax-free while also having a low impact on your student’s financial aid calculations.

Prepaid tuition plans

Although these plans are generally for public schools and in-state institutions, a 529 prepaid tuition plan is another tax-free savings account that allows parents and other contributors to pre-pay for tuition. (There is also a private college plan available for more than 250 private institutions.)

Individual Retirement Accounts

As long as your own retirement is on track, you may even consider utilizing traditional and Roth IRAs as a choice for college savings. Roth IRA accounts, like all retirement accounts, don’t get counted as assets on the FAFSA so the value of your Roth IRA won’t hurt your child’s financial aid eligibility.
Regardless of how you choose to start saving, avoid holding assets in your student’s name. Any asset other than 529 savings accounts are counted much higher in aid calculations than parent-owed accounts and could result in your student getting awarded less aid.

Learn How to Pay for College with a Private Wealth Manager

At Alpha Omega Wealth, we are here to empower you with the financial knowledge and tools you need to help you figure out how to pay for college without breaking the bank. Our private wealth management firm offers free consultations—get your legacy on track with us today!

1 Share

0 0 0 0 1

Investment Strategy, Savings No Comments

HOW MUCH DO YOU REALLY KNOW ABOUT THE STOCK MARKET?

From operating without defined financial goals to putting your kids’ college savings before retirement, you’d be surprised at the common financial planning mistakes most people make without realizing it. Avoid financial planning mistakes and get on track by learning how to implement our method with Alpha Omega Wealth.

Common and Costly Financial Planning Mistakes You Didn’t Know You Were Making

When it comes to providing clients with guidance on how to live within their means, our Infinite Banking advisors often focus on savings and sustainability. That is, are you saving enough or spending little enough to be able to live comfortably through retirement? Establishing well-rounded private wealth management and retirement strategy will require forethought, research, and at least some degree of financial education but it is well worth it.

Common financial planning mistakes to watch out for

• Leading an unsustainable lifestyle
• Not keeping enough working capital to protect both your business and your personal expenses in case of emergency
• Ignoring your business’s finances or the need for a succession plan
• Ignoring the need for a long-term private wealth management plan
• Lack of diversification of your invested assets
• Owning too much property
• Overextending financial capacities to help children or grandchildren
• Skipping estimated tax payments throughout the year

Although getting ahold of your finances may seem like a daunting task, working with a financial advisor will not only make the process easier, it will empower you with the financial education and investment strategies you need to make informed decisions about your own finances.

Excuses for Common Financial Planning Mistakes

From lack of time to lack of knowledge, avoid making these excuses for financial common planning mistakes:

“Estate plans are only for folks with a lot of money.”

While an estate plan sounds like a pretty big deal, and it can be, for most people, having an estate plan can be as simple as having a will in place. Putting an estate strategy in place with the Infinite Banking method ensures that the laws of your state don’t interfere with your wishes for your estate.

“My credit card is my emergency fund. What’s wrong with that?”

Saving for the future to offset any emergencies is crucial not only to long-term financial planning strategies, but it’s also important to your short-term security. Instead of falling back on a credit card that could damage your credit score, start stashing away between three and six months of living expenses in an account you can easily access.

“I have too much debt to pay more than the minimum.”

Although significant amounts of debt can feel daunting, paying only the minimum is the kiss of death to your bank account. Paying the minimum on credit card or student loan debt keeps you in debt longer and ensures more of your income gets consumed by interest rates.

Stop Making Excuses and Start Making a Financial Plan

Learning how to avoid common financial planning mistakes is easy with a team of financial planners and educators. Connect with Alpha Omega Wealth financial advisors today to see the prosperity our method and the Infinite Banking concept can bring to your financial future!

0 Shares

0 0 0 0 0

Retirement No Comments

Next Post

So What Do You Know About the Stock Market?

So What Do You Know About the Stock Market?

The Insurance Cowboy: TRUMP nor Clinton can fix our problems..But FAMILI...

The Insurance Cowboy: TRUMP nor Clinton can fix our problems..But FAMILI...: I was raised to respect my elders, other races, other religions, the police, fireman, those in authority over us, and on and on and on. If o...

TRUMP nor Clinton can fix our problems..But FAMILIES can!

I was raised to respect my elders, other races, other religions, the police, fireman, those in authority over us, and on and on and on. If one looks at the problems today it is frightening to watch. Seems like homicides are a daily fact of life in most cities in  the US. Drugs, violence, robberies, rape, etc. all point back to a persons "up bringing". It is not about the number of police officers, or guns, or lack of jobs, or long hot summer nights. WAKE UP PEOPLE", it's about Families! Broken homes, lack of respect for the institution called "MARRIAGE" and" FAMILY VALUES". If we spent less on welfare and hand outs and programs that just don't work we would make great strides toward turning our economy around. Maybe there should be a tax break for families that eat dinner together and discuss the days activities, or who have taught their kids common everyday values and respect. Give a tax credit to those who remain gainfully employed for long periods of time.
     When I was young I received an allowance if I did my chores everyday and did them well. Where is the enticement to be a good citizen of this Great Country? I have always earned everything I have gotten. Today the best thieves and drug dealers are the ones that "got it all figured out" and know how to play in this flawed system that we call our Government.  Welfare recipients that are able to work should work and women should have babies to bless this world rather than being seen as a welfare check. Many have lived quite well on our welfare system from Generation to Generation. They get an education, but not a good one.
    When parents FOCUS on teaching good Principle and Values to their children, our problems will begin to go away and become "Self Correcting". What can we as individuals do to help our situation? Change a child's life, show them respect as well as teach them respect. It all starts today. Be an example. You never know who is watching and who's life may be changed by your good example.

The Insurance Cowboy: The Truth About The Trump/ Clinton Presidential El...

The Insurance Cowboy: The Truth About The Trump/ Clinton Presidential El...: I am continually amazed by the hype and play for peoples emotions in this and every election. To me it is almost insulting. There are brilli...

The Truth About The Trump/ Clinton Presidential Election

I am continually amazed by the hype and play for peoples emotions in this and every election. To me it is almost insulting. There are brilliant people on both sides of these issues. But each paints a picture of total stupidity and ignorance of followers of the opposing candidate.
Let me get to my point. WE ARE HIRING A PERSON TO DO A JOB! That job is to: 1. Keep our country, people, and posterity SAFE.
2. Decide on an Immigration policy and stick to it. 3. Build our economy and bring jobs to employ our Unemployed and our Underemployed. 4. Decide our foreign policies and stick to them. 5. Build our Infrastructure. 6. PROTECT US from foreign invasion and Terrorists such as ISIS. 7. A Health care plan that works. A reasonable Health care program.GET MY POINT? I know there are many more.
 This is a huge responsibility for us to hire for this position. Why then do we pay attention to the trivial side issues that play on our EMOTIONS. "He said this or she did that" Since when does political correctness effect how a person will protect us? We the people, need to focus on the real issues. Who will keep us SAFE? Who will build our ECONOMY and provide JOBS? Who will reduce our countries DEBT Load? Who will keep the TERRORISTS OUT? And so on and on. A candidates business dealings or lack of business dealing does not necessarily  determine how SAFE they will keep our country. MY POINT IS.... forget the emotions and side rhetoric and ask your self "Who will best fulfill our (the public) demands and expectations. We just want the end result irregardless of how they comb their hair or the cost of the outfit being worn. WE WANT RESULTS and could not care less how they go about the task.
     Vote for the person who can take care of our needs and expectation the best!!!

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES: Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don&#...

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES

The Insurance Cowboy: The Cost of LOST OPPORTUNITIES: Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don&#...

The Cost of LOST OPPORTUNITIES

Unfortunately our society has become inundated with thieves and robbers. We hear about them every day. It's the ones that we don't hear about that concern me. Normally we are "robbed" by some other individual. We often "rob" ourselves. You might ask, "is that even possible"? Unfortunately it is, and Yes we rob ourselves in one way or another on a daily basis and we don't even know it.

     We rob ourselves physically, emotionally, spiritually, and worst of all Financially.  NO, we don't reach in one pocket, take money out and put it in the other pocket, that would be absurd. The robbery that I would like to talk about is "Financial Robbery" committed by ourselves. There are no masks or guns and it doesn't even show up on our balance sheet, yet we are, nonetheless VICTIMS of "LOST OPPORTUNITIES" and there is always a COST or loss to us individually. We therefore are guilty of Robbing ourselves of a great deal of money among other things .

     Most, if not all people today are guilty of the "Ostrich Syndrome" or in other words the art of burying ones head in the sands of complacency deeply enough as to miss the opportunities of Life. Complacency has NEVER equated to Success in any aspect of Life. Complacency and Entitlement are the "Cancers of our day and age". People with these attitudes are always commenting on how "LUCKY" the other guy is. What is the definition of Luck? "Luck is where Preparation meets Opportunity". Those who are prepared to move quickly when the opportunity arises are the same ones who are financially stable. A perfect example is the 8 or so Families that own 80-90% of ALL THE BANKS in the world today. They did not get there by burying their heads in the sand. They were prepared and took advantage when opportunities arose. BANKS encourage people to Save their money and put it in CD's or Money Market Accounts and ask us to be patient while it slowly accrues interest. BANKERS do just the opposite and take every opportunity to "Move their money", keeping it lent out and gaining more interest than they are paying out. This is called "The Velocity of Money".  Wouldn't it be Awesome if we could utilize our money like the Banker and the owners of all those Banks do? A great man named R. Nelson Nash developed a methodology for doing just that...."Becoming our own Banker". For years he taught those willing to be open to Opportunity how to create their own Family Banking System. In his book "Becoming Your Own Banker" he shares the process and theory for accomplishing just exactly that of "Becoming Your Own Banker".

     14 Years ago a great visionary Insurance Agent armed with a shared passion for Banking, took it upon himself to change the lives of everyone who would listen and recognize opportunity when they saw it, he began to help people Create Wealth coupled and establish a Legacy of Family Banking to be passed on from generation to generation. That man is Joe Pantozzi who currently resides in Las Vegas Nevada and owns the firm of Alpha & Omega Financial Services. R. Nelson Nash and Joe Pantozzi, among others, are giving families Financial Freedom in ways that only the wealthiest Bank Owners are aware.

     This is just one of many "LOST OPPORTUNITY COSTS" that plague our lives today. Are you tired of Missing out on Opportunities? Call today and Learn the Secrets that Bankers and Bank Owners know. "Common Sense Economics-Changing lives Forever" Call 702-430-4400

The Insurance Cowboy: Are Banks Banking on our Stupidity to make a Profi...

The Insurance Cowboy: Are Banks Banking on our Stupidity to make a Profi...: Why do Banks encourage us to do one thing with our money and then they do just the opposite? The answer....to make money off of OUR MONEY ....

Are Banks Banking on our Stupidity to make a Profit at OUR EXPENSE? We have not learned much since the Depression.

Why do Banks encourage us to do one thing with our money and then they do just the opposite? The answer....to make money off of OUR MONEY. Do you find that a bit hard to swallow? The banks want us to put our money in their bank and then they lend it out and make money from OUR MONEY. Yet when we need money, we have to go through the scrutiny to see if we qualify to BORROW our own money. Yes, we can take it out of the bank, but if we do, we no longer make any interest on OUR MONEY. For every dollar that banks take in as a deposit, they lend that same amount back out multiple times. If we did that we would be locked up. The problem is not that the banks do this.....the real problem is that they are great at teaching us how to get INTO DEBT, but no one teaches how to get OUT OF DEBIT. If we used our money the same way banks do, we would get financially healthy quickly. The majority of the banks today are owned by something like 8 families. Their wealth is staggering. They understand the banking system and how to apply it to their own personal bank accounts. Wouldn't it be great if we could all have our own personal banking system where we financed our own cars, homes, credit cards, boats etc.? There is hope! You can create and maintain your own Personal Banking System. Can you imagine recapturing all the interest that you currently pay for your financed purchases? Best of all, when you borrow from your own Personal Bank, your money gains interest as if you had borrowed NOTHING. Your money is more liquid, has major tax benefits and can be withdrawn with NO PENALTIES. On average, people today, pay 35% of their check to some sort of interest every month. The concept of "The Velocity of Money" is incredible. If you want to know more, email me at marlonc@call-associates.com. Let's get Banking!!

The Insurance Cowboy: Is The Race for Headlines Driving The Decline In N...

The Insurance Cowboy: Is The Race for Headlines Driving The Decline In N...: Abuse comes in many forms and fashions. Definitions have become very broad and confusing. Knowingly abusing people comes with severe consequ...

Is The Race for Headlines Driving The Decline In National Confidence

Abuse comes in many forms and fashions. Definitions have become very broad and confusing. Knowingly abusing people comes with severe consequences....unless you hide behind the cloak called "Media". What the Media is doing to those who have (possibly) lost loved ones, should be criminal at best. Hopefully, those families are getting different information than the rest of the world. The confusion and vacillation is, in and of itself, is abusive. Malaysian Flight 370 suspected debris seems to be a pawn being played by the Media. Media reports, sound conclusive, and then follow up with statements of "no conclusive evidence" is found. Then to convey information by "TEXT" certainly adds to the criminality of the "Media ABUSE" on those who are missing loved ones.
         Coverage of the G8 Summit, Mudslides, Crimea and Russia, Naval Base Shooting, and much much more are issue that the Media uses to control the Confidence of our Great Country and Economy. Confusion and uncertainty "Spin" the hope of recovery totally out of control and out of our minds. It is scary to recognize the power and effect that the Media has on our state of mind which controls out state of Economic Health. Lack of confidence in our Economy is in fact, what put this great country into it's Recession. When UNCERTAINTY runs rampid, people "tense up" and quit spending. This reduces the volume of money through the market places which effects profits and losses. Like wise, when Confidence grows, the money, formerly being held back, begins to flow which increases Consumer Confidence and the Nation begins to recover. Whose Agenda is driving the Media to "Control" Consumer Confidence, which in turn Drives our Recovery or Demise? Being aware of the Media manipulation is the beginning to our" Grassroots Self Elevation" efforts to return this Country's Greatness.

The Insurance Cowboy: "The Hand That Rocks The Cradle...Rules The World"...

The Insurance Cowboy: "The Hand That Rocks The Cradle...Rules The World"...: This Blog is about Respecting the Power of the Women in our lives. As a Boy Scout I was taught to be respectful especially around Women. As ...

"The Hand That Rocks The Cradle...Rules The World" Respecting Women for who they really are!

This Blog is about Respecting the Power of the Women in our lives. As a Boy Scout I was taught to be respectful especially around Women. As I became older, The Cowboy Code taught me the same thing. When I got married I realized the importance of those Life Lessons. WOW. It amazed me that women were surprised when I would open a door or allow them to enter first. Thank Heaven for "Goodly Parents". Every Woman is someones Daughter and is a Daughter of God. When we look at women we really need to recognize them as someones Daughter and treat them as such. Many of us have Daughters and would fight to the death to protect them. Why then do we sometimes verbally, physically, and mentally abuse them? Even a condescending word or comment can be extremely destructive. We can not "Un-ring a bell". At a young age a teacher brought into class a beautiful wedding cake fully decorated. It was gorgeous and looked delicious. The teacher ask if anyone wanted cake? Naturally everyone raised their hand. I watched as he carefully cut the cake and prepared the plate for it to go on. Then he grabbed the slice with his hand, squished it and placed it on the plate and asked, "who wants the first slice"? Not one hand went up. Many of our women today have had their beauty soiled and mistreated and have forgotten how beautiful they REALLY are. This lesson has stuck with me for years and yes, I to need to remember to treat "someones Daughter with respect for the person she is. Next time you want to hurt or belittle ANY woman, Please remember that it could be your Daughter that it is happening to. Always remember....."The Hand That Rocks The Cradle, Rules The World".

The Insurance Cowboy: GDP....Gross Domestic Products. Nations are Measur...

The Insurance Cowboy: GDP....Gross Domestic Products. Nations are Measur...: Economics in Politics is one of the proverbial "Hot Potatoes" of the day. It is an indicator of the of a Nations collective health...

GDP....Gross Domestic Products. Nations are Measured. Where do we Individually Measure up?

Economics in Politics is one of the proverbial "Hot Potatoes" of the day. It is an indicator of the of a Nations collective health in regards to production of goods and services. Politicians use this number to as a general gage of productivity. Drilling down a bit deeper, it is an indication of the health of our business attitudes and environment. This in depth look will reveal the strength or weakness of the business owners drive, commitment, and comfort level with the future of the economy. Drill down a bit deeper and you will discover the comfort and commitment level of the employees of that same company. Drill down a bit further and you will see the Core Values and Commitment level of FAMILIES! The Comfort level, or lack there of, is very evident. Think about it, when our GDP (Gross Domestic Products) numbers are down, it ultimately is a reflection on Families. Individually, there is seemingly little we can do to have a profound effect on our Nations GDP, at least in the "eating an elephant" perspective. I propose that we can have a huge effect on our nations GDP. It may not show up over night but it can happen quickly as in the case of "Compounding Interest". The Domino Effect can change our entire world. OK, so how do we change? Implementing new "Tiny Habits" in our lives. Proactively looking at our undesirable habits is a perfect place to start. It may be as simple as brushing or flossing our teeth, or hanging up our clothes when we come home from work. It's turning off the TV during dinner and TALKING to our children about their day and how they are doing. The important thing to remember is that we need to start with the small things which take less than 30 seconds to do and require NO WILLPOWER. The real power of these ridiculously simple adjustments is "SUCCESS MOMENTUM". The sub-conscious mind does not know the difference between a Huge success and a Small success. Repetition of small successes breeds bigger and bigger successes and the momentum also grows. When we build our selves, we build our families. When we build our families we build our employers. When we build our employers production goes up. As production goes up so does our GDP numbers and a sense of Confidence and Belief in  our Country and our Society goes up as well. "Success Momentum" is more powerful than any bomb ever created or ever will be created, but it all starts with ME and YOU TODAY!!! Let's make a difference!!