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Timnah: Life of Samson Overview
Life of Samson Overview
Welcome to the Holy Land and the biblical site of Timnah which is located at this site called, "Tel Batash." Let's see the Bible come to life as we look at some of the key events from the Scriptures that took place here.
Timnah is located about halfway between Joppa (a coastal town on the Mediterranean Sea) and Jerusalem.
The Tel is about 10 acres in size. It is in a rich agricultural area alongside the Nahal Sorek stream.
Timnah is mentioned 10 times in the Bible. Today, biblical Timnah is called Tel Batash, which is very little visited and undeveloped. It's hard to access as it's located in the midst of farm fields. The life of Samson takes place in the period of the Judges, which is about 1400 BC.
Samson is a very interesting Bible figure that presents some significant challenges to understand. His life is a blend of God's sovereignty and Samson's human choices. Many decisions Samson made were sinful and foolish. However, despite his sinful and foolish choices, God still used him to accomplish His sovereign purposes.
However, it appears Samson's choices negatively affected what he could have accomplished for God had he been more obedient and wise.
Samson's life seems to reveal a very immature believer who follows their sinful desires rather than walking in the Spirit and exemplifying wisdom and maturity.
In order to understand Samson, we have to understand something about the book of Judges. The period of the Judges takes place in a period of Israel's history when they were a very spiritually immature people. Their two famous leaders, Moses and Joshua, had died and now they were on their own.
A lot of weird and bizarre things happen in the book of Judges and there's one phrase repeatedly used, "In those days there was no king in Israel; everyone did what was right in his own eyes."
Samson is listed in Hebrews 11, the hall of fame faith chapter, as a person who had faith.
Samson had a supernatural birth and purpose.
Like Sarah, Rebekah, Rachel, Hannah, Elizabeth, the mother of Samson was barren and was unable to have children.
Timnah, Zorah, Lehi & Samson in the Bible
God visited Samson's parents through an angel.
Judges 13:2-5: There was a certain man of Zorah, of the family of the Danites, whose name was Manoah; and his wife was barren and had borne no children. Then the angel of the Lord appeared to the woman and said to her, "Behold now, you are barren and have borne no children, but you shall conceive and give birth to a son. Now, therefore, be careful not to drink wine or strong drink, nor eat any unclean thing. For behold, you shall conceive and give birth to a son, and no razor shall come upon his head, for the boy shall be a Nazirite to God from the womb; and he shall begin to deliver Israel from the hands of the Philistines."
God ordered Samson to be consecrated by being a Nazirite from birth (meaning separated or dedicated).
This was a unique vow, applicable during the Old Covenant of national Israel, whereby a non-Levite (Samson was a Danite) could dedicate his life to full-time service of God. This vow required that their hair not be cut, no alcoholic beverages were to be consumed, and no touching of anything dead was allowed (Judges 13:5; Num. 6).
God also provided Samson with unbelievable superhuman strength to be used against the Philistines, providing Samson's vow of submission was faithfully kept.
When Samson is grown, he comes down here to Timnah from Zorah, seeking an occasion against the Philistines.
Judges 14:1-4: Then Samson went down to Timnah and saw a woman in Timnah, one of the daughters of the Philistines. So he came back and told his father and mother, "I saw a woman in Timnah, one of the daughters of the Philistines; now, therefore, get her for me as a wife." Then his father and his mother said to him, "Is there no woman among the daughters of your relatives, or among all our people, that you go to take a wife from the uncircumcised Philistines?" But Samson said to his father, "Get her for me, for she looks good to me." However, his father and mother did not know that it was of the Lord, for He was seeking an occasion against the Philistines. Now at that time, the Philistines were ruling over Israel.
This verse has caused much debate and appears very difficult to understand. Didn't God forbid Israelites to marry foreign women? And why would Samson desire an unbelieving wife whom it appears he was just attracted to because of her outward beauty.
First of all, God only prohibited the Israelites from marrying Canaanite women from the seven nationalities that made up the Promised Land.
The Philistines likely had conquered and settled, or had been transplanted to that location, and were not part of the people group of Canaan. So the Philistines did not originate from the Canaanite groups infected by the Amorite sins as mentioned in Genesis 15:16. The Philistine land was considered separate from the Canaanite land as mentioned in Exodus 13:17, and the people group was distinguished from the Canaanites as mentioned in Joshua 13:1-6.
Additionally, Boaz married Ruth who was a Moabite, from whom the lineage of David and Christ came.
So there is no direct conflict with God's commands and His possible moving in the heart of Samson to be attracted to a Philistine woman. However, even if it were sinful of Samson and arose wholly of him, and God simply allowed it for His own purposes, it could still be something "of the Lord." Whether God is actively doing or passively allowing, He is working. That is simply how God operates in a sinful world. Humans sin, and God works despite that sin.
Samson demonstrates his superhuman ability by killing a lion with his bare hands.
Judges 14:5: Then Samson went down to Timnah with his father and mother, and came as far as the vineyards of Timnah; and behold, a young lion came roaring toward him. The Spirit of the Lord came upon him mightily, so that he tore him as one tears a young goat though he had nothing in his hand; but he did not tell his father or mother what he had done.
By failing to tell his parents, Samson neglects their wise counsel and guidance parents provide.
Samson breaks his Nazirite vow and touches the dead lion he had previously killed.
Judges 14:7-9: So he went down and talked to the woman; and she looked good to Samson. When he returned later to take her, he turned aside to look at the carcass of the lion; and behold, a swarm of bees and honey were in the body of the lion. So he scraped the honey into his hands and went on, eating as he went. When he came to his father and mother, he gave some to them and they ate it; but he did not tell them that he had scraped the honey out of the body of the lion.
By touching a dead animal, Samson violates part of his Nazirite Vow.
Samson throws a party for his marriage, proposes a riddle, and then succumbs to his wife's pressure to reveal it.
Judges 14:10: Then his father went down to the woman; and Samson made a feast there, for the young men customarily did this. When they saw him, they brought thirty companions to be with him.
This customary feast was, literally, a "drinking party." Although Scripture doesn't indicate whether Samson participating in the drinking, it was very likely he did. If he did indeed drink, this was another violation of his Nazirite Vow.
Samson proposes a riddle, his wife deceives him into telling her, and she tells her kinsmen.
Then the Spirit of God comes upon Samson and he killed 30 Philistines.
Judges 14:19: Then the Spirit of the Lord came upon him mightily, and he went down to Ashkelon and killed thirty of them and took their spoil and gave the changes of clothes to those who told the riddle. And his anger burned, and he went up to his father's house. But Samson's wife was given to his companion who had been his friend.
Samson seeks revenge because his wife had been given to one of Samson's good friends.
Judges 15:4-5: Samson went and caught three hundred foxes, and took torches, and turned the foxes tail to tail and put one torch in the middle between two tails. When he had set fire to the torches, he released the foxes into the standing grain of the Philistines, thus burning up both the shocks and the standing grain, along with the vineyards and groves.
The Israelites deliver Samson to the Philistines bound in new ropes, but Samson breaks the ropes like wax and kills 1,000 Philistines.
Judges 15:14-15: When he came to Lehi, the Philistines shouted as they met him. And the Spirit of the Lord came upon him mightily so that the ropes that were on his arms were as flax that is burned with fire, and his bonds dropped from his hands. He found a fresh jawbone of a donkey, so he reached out and took it and killed a thousand men with it.
God provides for Samson after he killed the 1,000 with a donkey jawbone.
Judges 15:18-20: Then he became very thirsty, and he called to the Lord and said, "You have given this great deliverance by the hand of Your servant, and now shall I die of thirst and fall into the hands of the uncircumcised?" But God split the hollow place that is in Lehi so that water came out of it. When he drank, his strength returned and he revived. Therefore, he named it En-hakkore, which is in Lehi to this day. So he judged Israel twenty years in the days of the Philistines.
Samson commits sexual sin with a harlot.
Judges 16:1-3: Now Samson went to Gaza and saw a harlot there, and went in to her. When it was told to the Gazites (part of the Philistines), saying, "Samson has come here," they surrounded the place and lay in wait for him all night at the gate of the city. And they kept silent all night, saying, "Let us wait until the morning light, then we will kill him." Now Samson lay until midnight, and at midnight he arose and took hold of the doors of the city gate and the two posts and pulled them up along with the bars; then he put them on his shoulders and carried them up to the top of the mountain which is opposite Hebron.
From Gaza to Hebron is about 45 miles.
Even though Samson committed sexual sin with a prostitute, God had mercy on him and delivered him anyway.
Samson is defeated by the Philistines.
Judges 16:4-5: After this, it came about that he loved a woman in the valley of Sorek, whose name was Delilah. The lords of the Philistines came up to her and said to her, "Entice him, and see where his great strength lies and how we may overpower him that we may bind him to afflict him. Then we will each give you eleven hundred pieces of silver."
Samson clearly had a weakness for women, which caused him to commit adultery and become impure and disobedient to God and his Nazarite Vow.
Delilah deceives Samson.
Judges 16:18-21: When Delilah saw that he had told her all that was in his heart, she sent and called the lords of the Philistines, saying, "Come up once more, for he has told me all that is in his heart." Then the lords of the Philistines came up to her and brought the money in their hands. She made him sleep on her knees, and called for a man and had him shave off the seven locks of his hair. Then she began to afflict him, and his strength left him. She said, "The Philistines are upon you, Samson!" And he awoke from his sleep and said, "I will go out as at other times and shake myself free." But he did not know that the Lord had departed from him. Then the Philistines seized him and gouged out his eyes; and they brought him down to Gaza and bound him with bronze chains, and he was a grinder in the prison.
When God's name is mocked, and His glory is given to false gods, He chooses to once again use Samson for His sovereign purposes.
Judges 16:23-31: Now the lords of the Philistines assembled to offer a great sacrifice to Dagon their god, and to rejoice, for they said, "Our god has given Samson our enemy into our hands." When the people saw him, they praised their god, for they said, "Our god has given our enemy into our hands, Even the destroyer of our country, who has slain many of us." It so happened when they were in high spirits, that they said, "Call for Samson, that he may amuse us." So they called for Samson from the prison, and he entertained them. And they made him stand between the pillars. Then Samson said to the boy who was holding his hand, "Let me feel the pillars on which the house rests, that I may lean against them." Now the house was full of men and women, and all the lords of the Philistines were there. And about 3,000 men and women were on the roof looking on while Samson was amusing them. Then Samson called to the Lord and said, "O Lord God, please remember me and please strengthen me just this time, O God, that I may at once be avenged of the Philistines for my two eyes." Samson grasped the two middle pillars on which the house rested, and braced himself against them, the one with his right hand and the other with his left. And Samson said, "Let me die with the Philistines!" And he bent with all his might so that the house fell on the lords and all the people who were in it. So the dead whom he killed at his death were more than those whom he killed in his life. Then his brothers and all his father's household came down, took him, brought him up and buried him between Zorah and Eshtaol in the tomb of Manoah his father. Thus, he had judged Israel twenty years.
Places of Interest at Timnah, Zorah, Lehi (for more, see Google Map below)
Oil press
Observation tent
City gate
Nahal Sorek Stream
Samson's tomb
Samson's home town
Place God proved water for Samson
Devotional Faith Lesson from the life of Samson.
Weaknesses of Samson which destroyed his life and ministry.
Samson failed to listen to the counsel of his parents.
Samson was bitter and vengeful.
Samson had a weakness for women.
Samson broke many of his Nazirite vows.
Samson walked in the flesh instead of in the Spirit.
Samson had raw abilities but never refined them and submitted them fully to God's control and lordship.
Samson paid a heavy price for his continual neglect of submitting to God.
We should develop our gifts, submit them to God, and be fully obedient in serving Him or we could copy the failures of Samson.
Strengths of Samson
Samson is mentioned in Hebrews 11 as a man of faith. So, despite his many failures, he did have faith and believed in God.
Strengths of God
Samson failed in many ways, but God still used him.
Samson served during the period of the Judges, a time when Israel was a very spiritually immature people. This explains why Samson was so immature and why God still used him anyway.
God is sovereign and uses sinful people for his purposes.
Even in God's garden of grace, broken trees produce fruit.


Biscuits and gravy (also known as "b & g") are a family favorite. This recipe might also be known as Nick's B&G as we're trying to perfect sausage gravy for an upcoming visit. This was not too shabby for a first attempt. As always, we can't have breakfast without eggs.


Preparing your child for school begins the day that baby is born. The biggest determinant of a child's success in school is a child's home life and environment. If a child is read aloud to on a regular basis and if a child has books and literacy materials in his or her home, that child's chances for educational success go up immeasurably.
Books, magazine subscriptions, encyclopedias, and dictionaries are expensive. How can you give your child a leg up in school if you can't afford to buy piles of books for a home library?
Baby showers are a great place to start building a home library. If a friend or family member offers to give you a baby shower, add children's books to your wish list. Ask for board books, made of sturdy, laminated, drool-proof cardboard. They have curved corners and are safe enough to put right into your baby's crib. Request a book of nursery rhymes, like My Very First Mother Goose edited by Iona Opie. And, ask for the most current copy of Jim Trelease's Read-Aloud Handbook,an invaluable resource for you in building a home library. Another great shower book gift for new parents is 100 Best Books for Children: A parent's guide to making the right choices for your young reader, toddler to preteen by Anita Silvey.
As your child grows, encourage family and friends to give books as birthday and holidays gifts. On special occasions, splurge and purchase books for your children in addition to toys. Take the time to write a loving, personal message in each book.Start a collection of "now and later" books. On his or her birthday, each of your children can receive one book which they can enjoy now and one book they can grow into. That way there is always a book on the shelf waiting for them.
Neighborhood, school, and main branch libraries often hold used book sales, as do colleges and universities. Call your local library or check the events column in your newspaper to find out book sale locations and times. At used book sales, books can often be purchased for as little as 50 cents. Purchase books, both fiction and nonfiction, that your children enjoy, but also purchase information and reference books, like dictionaries and histories, which they can use as they progress in school. Printed encyclopedias are quickly being replaced by digital software, so used encyclopedias are now available at bargain prices. Much of the information, even in a 10-year-old encyclopedia, is still pertinent.
Instead of the tooth fairy bringing money to your child, consider having the tooth fairy leave an entertaining, fun paperback or a comic book under their pillow. Paperback books are an inexpensive way of building a home library.
Contact your local hospital and see if they have a Reach Out and Read program in your area. Working with pediatricians, Reach Out and Read (ReachOutandRead.org) provides books to children before they enter school.
Supplement purchased books with books and magazines borrowed from the library. The library provides fresh choices for your children. Reading library books and library e-books can also help you decide which books you should own. Choose library books which generally interest your family and try them out at home. If a child or teen is captured by a particular story or repeatedly references a book, you may want to consider purchasing that book. Before you subscribe to a magazine, borrow a few back issues of that magazine from the library to see if it suits your family's interests.
Recycle magazines with friends and family. Plan with friends and families to subscribe to different magazines, then trade magazines. Also, investigate student subscription discounts. Many magazines offer reduced rates through schools.
It is never too late to begin reading aloud to your children. It is never too late to begin creating your own home library. Having books and literacy materials readily available to your children at home is one of the best ways to insure a successful educational experience for your children.


Though it is more complicated than just posting an ad, signing a lease, and collecting rent, using single-family homes to create extra income is becoming increasingly popular. To maximize the potential of your property, you need to navigate the complexities of property management. Some owners choose to manage themselves; others decide to find a property manager to handle the process. If you are in the latter group, you'll want a good understanding of property management in Pulaski County.
What Services Does a Property Manager Offer?
There is a buzz word in the property management industry called "Full-Service Property Management." To anyone who doesn't work with rentals, this term could mean anything. In short, a full-service property manager is responsible for protecting your Fort Leonard Wood area investment property. They offer several services that help with the day-to-day management of your investment.
Marketing and Advertising is usually the first service a property manager will perform. When you hire a property management company, they will need to find a tenant first, so they have someone to manage. When advertising, your property manager should know what Fort Leonard Wood tenants want. Their responsibility is to strategically market and advertise your house to the best potential renters. Also, Missouri state and federal laws dictate what can and can't be said in advertisements, to prevent discrimination. Property managers and their teams are responsible to know what those laws are and ensure that all of their advertisements are compliant.
The second step in the rental process is placing a tenant, so naturally, we'll cover those responsibilities next. For most companies, there will be an application and vetting process to determine if a tenant will be responsible. Since a local property manager's primary job is to protect your investment property, this is an important step in the rental process. It is common to run a credit check and background check, and some will interview the tenant's references to learn about their rental history. When a property manager receives confidential information from the tenant during the application process, they are responsible to keep that information private. That means that your Fort Leonard Wood property manager is responsible to maintain both your and your tenant's confidentiality. Also during this process, the management company is responsible for abiding by the Fair Housing Laws. They must treat all applicants equally and fairly.
This is probably the most recognizable responsibility of a property manger, and that makes sense. If your property manager cannot collect rent from tenants and get it to you, they aren't doing anything to make you money, which is why you hire them in the first place. Additionally, many property management companies get paid a percentage of the rent that they collect. So, if they aren't collecting rent, they aren't getting paid either. The best way to ensure that your tenant pays is to make it as easy as possible for them to pay their rent. Having multiple options, such as online, in person, financial allotments, etc. gives the tenants no excuse for missing a payment.
When a tenant doesn't pay or is late on paying their rent, it is the property manager's responsibility to get the tenant to pay. There are many routes that a property manager can go to get the tenant to pay, but if none of those work, they should be kicking the tenant out. A tenant that doesn't pay rent is worse than having no tenant at all.
Maintenance should be expected as a landlord. A quality property manager can help you manage the maintenance on your property through coordination. When a tenant puts in a work order for your property, the maintenance coordinator should take action immediately. If the issue is an emergency, they may proceed with a repair without contacting you. This is to protect your property and prevent any further damage. A good maintenance coordinator develops business relationships with local vendors and works with them to get you the best deal for the highest quality work. They should also investigate issues to determine if the cause was from the tenant's carelessness or normal wear and tear. And if the issue is caused by the tenants, they will be charged for the repair.
Your property manager is collecting rent and security deposits, and paying you and your repairmen. So they need to be detail-oriented when it comes to finances. The best property managers in Fort Leonard Wood will keep detailed accounting records for you and send them to you on a regular basis. You'll want to have those records during tax time to get the best deductions. It is also important that a property manager is detailed when it comes to finances because landlord-tenant law has specifics about how a property management company should be accounting for funds. For example, a tenant's security deposit must be kept in an account separate from all other funds so that their money is not accidentally spent.
A Pulaski County property manager must have a good understanding of Missouri landlord-tenant law. Also, they are required to have a lease that has been approved by a lawyer versed in real estate. This protects you, as a landlord, from legal trouble with your tenant. Since you are hiring the property manager to represent you in a real estate transaction, you'll want them to be prepared with knowledge about laws and regulations.
What Responsibilities Does a Property Manager Have?
There are 2 main ways that a property manager can represent you in the Fort Leonard Wood area. Those two ways are a Landlord's (or Seller's) Limited Agent and a Transaction Broker. Before getting into a property management agreement with any company, you should know what way they will represent you. In this article, we'll go over the 7 main responsibilities that a Fort Leonard Wood property manager has to the homeowner, when the property manager is a Landlord's Limited Agent and is part of a Full-Service Property Management Agreement. We will attempt to explain these responsibilities as fully as possible, without getting too deep into real estate laws and practices. So let's get started!
This is the first and most clearly defined responsibility for a Fort Leonard Wood Property Manager. Before a property management company can do any work for you (finding a tenant, collecting rent, etc), you will have to sign a property management agreement that will outline the responsibilities of you as a landlord, and the property manager as your representation. This document will also state what type of real estate relationship you'll have with the property manager, what you'll be paying for their services and any miscellaneous agreements. It is strongly recommended that you read over the agreement and ask any questions of the manager before you sign.
Since everything has been clearly written out and explained, the property management agreement should be referred to if there is ever any question about whether or not the property manager is doing their job correctly. These contracts must be approved by a lawyer in order for a Realtor to use them, so they may contain some difficult "legalese." If you ever want to or need to, you should take your agreement to a lawyer you trust to help you understand the parts you have questions about.
As a Landlord's Limited Agent, your property manager should be looking out for your best interest and the interest of your Fort Leonard Wood area property. Since you are the one hiring them, they should be representing you in a dispute with your tenant or a vendor. Missouri real estate law states that the property manager should "promote the interested of the client [landlord] with the utmost good faith, loyalty, and fidelity." This includes not disclosing to tenants anything about you or your property that would lead them to believe they have leverage when negotiating rent prices or lease agreements. This also extends to maintenance and finances. A property manger should know quality vendors in the Waynesville, St. Robert and surrounding areas and know what is a reasonable price for work. They should also know when preventative or emergency maintenance is needed, which will save you money in the long run.
This responsibility ties into the previous one, but it is worth talking about on its own. Sometimes, looking out for the best interest of the homeowner may include delivering news that is hard for a landlord to hear. Tenant issues, property damage and legal problems are some of the difficult conversations that a property manager should not hesitate to have. It is important they communicate openly and honestly with you, rather than try to beat around the bushes or only tell you what you want to hear. The ultimate goal of the property manager is to protect your Fort Leonard Wood area investment property, so they should be confidently advising you on the best ways to handle difficult situations. Also, if you ever need to speak with your property manager, they should be easy to get a hold of and respond to you quickly.
Any money that comes into the office, whether from rent, maintenance payments or security deposits, needs to be accurately documented and quickly taken care of. Also, all of the company's financial processes need to be in accordance with state and federal laws. For instance, in the state of Missouri, all security deposits must be held in a separate, non-interest bearing account. Your property manager is also responsible to provide you with regular financial statements, which will be outlined in the management agreement.
Your property manager can also help you during tax season by putting together tax statements and cash flow statements for you. If you didn't know, there are many tax deductions you can get as a landlord. A property manager won't know all of them, so it is always recommended to consult a tax professional.
Since property managers work with financial, credit and personal records from landlords and tenants, confidentiality is an important focus for companies. Missouri law requires property managers to keep confidential landlord information secret from tenants and vice versa. So, when a tenant applies, a property manager cannot disclose items like credit score, income, criminal history, etc. And when a tenant speaks with the company about your Fort Leonard Wood property, the company is not permitted to share details like how much your mortgage is, where you are located or what the minimum rent you will allow.
Another part of the reasoning for keeping information confidential is to prevent miscommunications between tenants and homeowners. You don't want the tenant to receive the your contact information and reach out you about maintenance or rent issues instead of your property manager. You've hired them to handle tenant issues for you, so you shouldn't have to worry about it.
Missouri property management companies must be run by a real estate broker licensed by the state. To get that license, a broker has to have a strong understanding of landlord-tenant laws and get regular continuing education to stay up to date on any changes. Hiring a good property manager will protect you from legal issues that come from insufficient leases or tenant problems.
Know When to Say "I Don't Know"
A property manager shouldn't claim to know everything. Property management overlaps many industries including utilities, finance, construction, legal and others! When a property manager doesn't know the answer, they are responsible for directing you to someone that can help. For instance, if you have questions about your property management agreement or a tenant has questions about the lease, the property manager can answer the best they can, but they are not licensed to explain the legal repercussions or consequences. They should refer you to a licensed attorney for those answers. Another example would be that your property manager is not licensed to help you with your taxes. They can provide you with the documents you need, but they would have to refer you to a certified tax professional to explain any tax-specific questions. State law prohibits a property manager from advising you on things they are not experienced in. That could cause more problems for you if they were to give you bad advice.
How Much Will a Property Manager Cost?
Every company will charge for property management differently. We are not able to cover the differences between property management company fees in the Fort Leonard Wood area. Frankly, we don't know the fees that every company may charge. But, these are the most common costs that you may find when interviewing property managers.
For the most part, common fees are based on rent price. They are usually charged as a percent of rent, but some companies may charge a flat fee.
Monthly Management - It's common for most companies to charge you a monthly fee to perform the day to day functions for your property (rent collection, maintenance coordination, accounting, etc.). These are often charged as a percentage of the rent price (some websites will say between 8% and 12% of the monthly rent), but some companies will charge a flat fee for property management. This means that, no matter the rent, you are always paying the same price.
Leasing & Advertising - Another common fee is for leasing and advertising. It takes more time and expenses for a property manager to advertise and show your house to prospective tenants. This is typically a one-time fee that is paid when a tenant moves in. Just like the monthly management fee, it can be a percent of one month's rent or a flat fee.
Maintenance - Not as common as the other two, but still pretty common, are maintenance upcharges. You may find that a property manager will raise the price that a repairman charges to cover costs of maintenance coordination. Once again, this can be a percent of the repair cost or a flat fee.
These fees are charged based on infrequent work or "add on" services. Sometimes, these are optional charges, only charged when the homeowner requests that service.
Vacancy Charge - This cost is incurred as a monthly fee when your property is vacant. The intent is to help with property management costs for advertising and showings.
Inspections - Sometimes, a property management company won't include the inspection fee in the monthly management fee. Or, they may charge for additional inspections beyond the move-out inspections.
Termination Fees - A property management company may charge a fee for terminating the property management agreement. It is usually a one-time flat fee paid to start the termination process.
Evictions - Unfortunately, sometimes a tenant must be evicted for violating terms of their lease. When this happens and a property manager handles the eviction, they may charge you a flat fee plus attorney fees to represent you through this process.
Sign-up fees - A property manager may charge for signing the paperwork to manage your property. It is usually a flat, one-time fee paid when you sign.
This is not an exhaustive list of costs for hiring property management companies. Be sure to ask about these fees during your property management interview process to get the whole picture.
In the state of Missouri, all of the fees that you are charged should be written out and agreed to in the property management agreement. If you have any questions about the fees listed in the agreement, talk with your property manager before you sign. Your property management agreement will also define the responsibilities of your property manager, so it's important you understand the contract before signing.
Do I Really Need Someone to Manage My Property for Me?
Many people successfully manage their own rental property, find great tenants and handle their own repairs. At first, going "For Rent By Owner" looks appealing because you can save yourself some money by not hiring a property manager. But, if you are seriously wanting to rent your house yourself, you need to consider more than just some financial savings. Here are 5 questions that will help you understand the whole picture of being your own property manager.
How Far are You from Your Rental?
This is the first question to ask yourself when deciding whether to hire a property manager because it is the main reason why landlords hire a property manager. It is easy to see that managing a property you are close to is much more manageable than one in another town or another state. You can drive past the house to see the condition, meet potential tenants for showings and collect rent in person if you need to. If you need to rent because you are leaving the area or even going overseas, you may want hesitate to rent your house on your own.
Most landlords that move away hire a property manager to keep an eye on the property for them. Some property management companies will do routine drive-bys and inspections to make sure that the tenants are taking care of the property and the yard. Also, many landlords that hire a property manager appreciate that a local manager knows good repairmen that can be trusted, which saves them the time to have to research and make phone calls.
How Much Time Do You Have to Dedicate to Finding a Tenant and Managing your Rental?
One of the biggest time-vampires is finding a tenant. This is a big selling point of property managers. Some property management companies offer advertising and tenant placement services separate from their complete management package for those landlords that want to save some time. A landlord with a vacant rental will most likely be posting their house in the local paper, sharing the home on Zillow and other rental sites and finding potential tenants on Facebook. The owner will also be fielding calls from potential tenants and trying to coordinate showings, as well as screening them to determine if they will be a good tenant that will pay rent on time and not destroy the property. In some situations, this can be a full time job for a "For Rent by Owner" landlord. There are programs that will aid a landlord in the tenant screening process by running background checks and credit checks on their potential tenants. The cost varies for these systems and some landlords skip screening completely to save money.
Two other time-wasters for independent landlords are rent collection and maintenance. If you have a tenant that is past due on rent, you spend a lot of time calling, texting, emailing and visiting them to get the rent due. Many times, owners find themselves in negotiations with tenants that have not paid rent, trying to agree on a date and price to pay. For maintenance, you'll need to consider how much time you plan to spend calling different vendors to getting estimates about a repair project or how much time you will spend at the property repairing it yourself. A property management team saves landlords this time by having team members specifically assigned to handle these tasks for all their properties.
How Accessible Are You When Your Tenant is Having Issues?
One of the most popular complaints that landlords have is dealing with tenant phone calls at 2 AM because their dishwasher is leaking or their fridge isn't working. Independent landlords have to respond to these calls immediately or, at the least, have systems in place about maintenance requests that the tenants understand when they move in. If you are wanting to go "For Rent by Owner," you will need to consider how accessible you are. Can someone reach you through calls, text and email? How quickly do you respond? Will you require your tenants to reach you using only one method, or are you flexible about the way that someone contacts you? If you wait too long to handle maintenance, your tenants could get angry and fight to break their lease.
Property managers should have processes in place to handle tenant emergencies during and outside of business hours. This allows a landlord to get a restful sleep and the property manager deals with the 2 AM phone calls.
How Will You Handle Maintenance and Repairs?
It's inevitable. Every property will have to have maintenance. As a landlord, you must budget for unexpected repair expenses. When managing yourself, you have the option to find a repairman to fix the issues at your property or do it yourself. You can save some money if you fix it yourself, assuming you have the know-how. You can also save money by having good business relationships with local vendors. However, if you don't know quality vendors that charge fair prices, you can easily find yourself in a situation of hiring a repairman to fix what the last repairman messed up. This part of property management is where "For Rent by Owner" landlords lose most of their rental income. According to studies reported by All Property Management, landlords who try to handle maintenance themselves can spend over 20% of their rental income on repairs alone.
Landlords who use a property management company have access to the wide array of vendor relationships that management team has crafted over the years. In some instances, managers have pre-negotiated rates with vendors because they use them almost exclusively. Likewise, the property manager knows the vendors' quality of work and timeliness, so landlords don't have to worry if the job was done properly, the property manager ensures it was.
How Much Do You Know about Rental Laws and Processes?
This is a slippery slope for many landlords that rent themselves. Tenant-landlord laws are different for every state, and it is imperative to understand your responsibilities as a homeowner if you choose to rent yourself. Without a general understanding, you can find yourself in legal hot water, or you may be stuck with a horrible tenant because you have not protected yourself with an enforceable lease.
In today's society, not all tenants are bad. More often than not, a landlord may never experience issues with tenants, especially if they have taken great care in finding a quality tenant. It is still important to be ready if a problem arises, and understanding landlord-tenant law can go a long way in protecting you.
In the state of Missouri, property management companies must be operated by a licensed real estate broker. These brokers are responsible for knowing Missouri landlord-tenant law because they are entrusted with protecting their client's real property. A good property manager or property management team will have a legally-enforceable lease that has been approved by a lawyer. They will also have office policies and processes in place that protect them and the landlords they work for from legal consequences.
Truthfully, it is easier than ever to rent a property yourself, thanks to technological advances helping to find tenants and make communication easier. But that is not to say that you won't have issues as an independent manager. It is important to look beyond the short-term financial savings when deciding whether or not to go "For Rent by Owner." Your rental property is an investment, and you want to make sure that investment is protected. A property management company can help take the stress of owning a rental away. If you are want to learn more about options hiring a property manager, click here.
How Do I Know Who is the Best Property Manager?
When looking for a property manager in the Fort Leonard Wood area, you'll want to know that the company you hire to protect your investment property will do the best job for you. These are some of the top qualities that make a good property manager a great one.
How Do I Hire Someone to Manage My Property?
There are lots of options in the Fort Leonard Wood Area for property management. How do you get started hiring one of them? You'll want to be thorough when interviewing them to make sure that you are confident you picked the right one.
Take the time to search for local companies and select a few that you would be interested in working with. Most people shop comparatively for any significant investment –from purchasing a car to a new smartphone. With an investment as substantial as a home, you owe it to yourself to compare multiple companies to find the best fit. Narrow down your selection to 2-3; this should give you a proper sample to research.
Most of us would not hire a babysitter without personal references, or onboard a new employee without a background check. The same concept should apply to selecting a management company. Ask for a list of references and do your research. Before calling, make a list of questions to ask, and then speak with other owners who have worked with them.
Would you work with this company again? Why or why not?
Was the property well maintained?
While this isn't a foolproof method, people can be biased; it will give you a good idea from other owners of what to expect from the company.
Most home rental management companies will have available listings online. Follow these links to see real examples of current listings. Do they take time to write compelling descriptions of the home or only list the basics such as beds, baths, and square footage? Are there high-quality photos? Are the listings easy to locate and navigate? If you were a tenant, would you want to rent from this company?
The final step is meeting with the company to interview them. You are the client, and a good company will be happy to spend time explaining their advertising, leasing, and management policies. Additionally, this is a great time to discuss management fees and gather any other information you need.
Ultimately, hiring a property management company is a big decision, and taking the time to select the right one can make or break your success. A good management company will be open, share references, and make you feel at ease. Checking their references and doing a little research beforehand will ensure you are prepared to ask the right questions and see the big picture.
Are you interested in hiring a property manager in Pulaski County?
You'll need this complete hiring guide!
Learn 5 considerations if you want to go "For Rent By Owner"


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Amazon Halo: Just Adding to Healthcare's Data Wasteland
Healthcare is complicated. A look at just one piece of the puzzle — data — can shed light on just how far we are from a reality where more data equals more value to the user, whether that user is the doctor or the patient. And with the recent announcement of Amazon's Halo, we might be looking at yet another tool that increases the amount of data collected and stored but does nothing to drive improved (or even altered) patient outcomes.
The healthcare data paradox
In healthcare, there are two very conflicting and non-compatible issues happen when it comes to patient data: There is a ton of it available, and yet there is not enough.
If you try to put two circles into a Venn diagram, they will never overlap or even come close to each other. The information that's really important for clinical care. For example, a person's A1C levels are important but often don't make it to a physician in a way that makes sense or is useful to treat the patient. On the other hand, there's a bunch of interesting information but doesn't matter as much, such as the number of steps a person takes each day.
In other words, there's a ton of data but not enough analysis of – or access to – it. And until we have a way to integrate the data collected into the delivery of care seamlessly, we will continue to see tools and technologies come along and, eventually, fizzle out.
The cart before the horse
To unlock innovation in healthcare, we have to build with innovation and patient-focused open access at the center of everything we do. So, we can't just write off the innovators that come along and push the cart a little farther down the road. After all, the innovators push the boundaries on what kinds of data we collect that ultimately end up being valuable for delivering care.
Healthcare is a tribal science. New data comes along and changes the way we look at the answers we had before. If we didn't continue to learn based on new data, tools, and knowledge, we would have moved on from improving the way we treat heart disease.
But we learn continuously because we gather data and review new information continuously. Therefore, we need the innovators to help us figure out how to collect the data, and we need science to make assumptions and test hypotheses based on that data.
Is Amazon's Halo the cart or the horse?
When it comes to outside companies entering healthcare, they've rarely done the due diligence and thought through the process of new technology becoming a valuable part of a person's care path. More specifically, rarely do tech companies understand that it has to be part of a person's medical chart for a tool to become widely used. Amazon understood that and announced Halo in partnership with Cerner, an electronic health record (EHR) company.
While, supposedly, that is more than any other tech company has done to date, partnering with just one EHR vendor hardly makes it ubiquitously useful for patients and doctors across the country, especially when there are more than a dozen.
Is there anything about an open API or enabling access for other vendors? So, at this point, the data is really only valuable for the patients who visit or receive care from a clinic or hospital that uses Cerner's EHR.
So, it's still up in the air whether the Amazon Halo is the cart or the horse. While this moves in the right direction, it's not doing anything particularly relevant for the larger population. For the population for whom this is relevant, we're just going to silo their data into a warehouse where it sits and collects dust. But we could be collecting data and information that will drive significant improvements in outcomes at some point in the future.
Can we really overlook the fact that we have to wonder if a person even knows which EHR their healthcare provider uses?
It's usually just healthcare IT workers who pay attention to a hospital's back-end system and all the data stored there.
For patients, more data isn't better.
Consider this example: Every month, we receive a bill from our utility company with a report of how much energy we've used the previous month. The way those reports are broken down and presented delivers a great deal of value.
For example, knowing how I compare to my neighbors helps me understand how my energy use compares to those around me. The report also tells me what appliances use the most energy and offers insights for how I can better manage my monthly energy usage.
Now, imagine if that report broke that usage down by the minute. That's a lot of data to sort through — with no context. What's the "so what?" Without insight into what the numbers mean, and what we can do with the new knowledge, it's useless and irrelevant. And do you really want your utility company checking you out all the time? Do you want these people to have access every minute into your life? Do you care what electricity your neighbor uses? Do you want your neighbor to have your stats and data? Who gave them permission to gather that information in the first place?
What about health stats and data?
The same is happening right now with all the data we're collecting about a person's health. A patient might be able to recognize patterns and start to make changes — say, making efforts to take more steps each day — but there's nothing from a clinical perspective saying that's the right thing for that individual.
On the provider side, we don't have systems that make it possible for a physician to review the deluge of data we're collecting. A doctor doesn't have the time to go through pages of a report to search for the tidbits of information to help deliver better care to her patient.
How Amazon and other tech companies can have a real impact
Let's play something out. If you are a patient who monitors your glucose levels and gets a reading that requires action, your doctor will not show up at your door. Nor is your doctor going to go through page after page of your glucose levels between visits.
That's where innovators and tech companies can have a real and lasting impact. We need device manufacturers and vendors – e.g., health IT, hardware, software – to design and integrate easy-to-read models into their tools.
That way, providers can look at and analyze the [most relevant] data that has been collected in less than a minute. Inconsistencies? We need to be able to look at what they have in common — a time of day, following a meal, with activity – via easy-to-understand models that highlight what a doctor should focus on.
In addition to the big tech companies and innovators of new tools, there's another group that bears responsibility for the lack of useful data: EHR vendors.
Given the doctors own all patient data, they play a critical role in ensuring the seamless integration between remote, wearable devices and their systems. Are Doctors and clinics in a unique position to drive the kind of innovation that can impact the state of healthcare in America? Is there a better way to drive improved outcomes for patients? It would be nice to see this happen proactively, rather than through a forced regulatory framework.
Cultivating the wasteland
Yes, we have a lot of unused data right now – and we continue to add to that with the introduction of devices like Amazon's Halo – but not all is lost. For many, such as people with chronic conditions or disabilities, wearable devices can prove extraordinarily valuable.
The need for human-centric patient engagement strategies, tactics, and tools will continue to grow; wearable devices are well-positioned to drive a new level of engagement that today's patients-as-consumers are demanding.
The reality is, we don't know what we don't know. While some wearables will end up in the wasteland, many will provide the kinds of data that will drive the future of healthcare and positively impact health outcomes.
When we get there, we're going to look back with gratitude that innovators kept innovating and pushing the industry further so that we could turn that wasteland into a shiny city on the hill.
Image Credit: cottonbro; Pexels
The post Amazon Halo: Just Adding to Healthcare's Data Wasteland appeared first on ReadWrite.
Original article: Amazon Halo: Just Adding to Healthcare's Data Wasteland
Author: Aditya Bansod

redpajama_set_name: RedPajamaCommonCrawl


Despite the global outbreak of the Severe Acute Respiratory Syndrome (SARS), Malaysia still retains its gleam as a travel-friendly destination. The general scenario in Malaysia is comparatively good and it is business as usual for the whole country.
In the sports arena, Malaysia successfully staged the Petronas Formula One Malaysian Grand Prix on March 21-23, a week after the WHO issued a global alert on SARS. Some 101,485 spectators from various countries turned up for the second leg of the Formula One World Championship.
Climbathon on October 4-6, and the Organization of Islamic Conference on October 11-18.
Aimed at protecting the welfare of the Malaysian public and tourists, the government has undertaken various measures to confront the spread of SARS from becoming a major health crisis. The government's immediate priority is to ensure that Malaysia's health care system is fully prepared to contain the SARS threat.
The decisive action of the Malaysian government is in addition to the WHO guidelines to stringently screen every visitor from SARS infected countries namely China, Hong Kong, Taiwan, Singapore, Canada and Vietnam as identified by WHO, at every point of entry into the country to ensure that Malaysia is safe from SARS.
The Malaysian government has also set up a high level National Committee on SARS Control chaired by the Minister of Health aimed at taking proactive measures with regards to contain the threat of the disease. Despite the global fear on SARS, Malaysia continues to draw tourists from West Asia to its shores and to its various attractions. From January to March 2003, the number of tourists arrivals from the region was 26,641 of which 5,180 were from Saudi Arabia, 2,088 from Turkey, 1,667 from the UAE, 766 from Jordan, 1,149 from Kuwait, 2,346 from Lebanon, 7,292 from Syria and 1,762 from Oman.


When I was young my mother washed my hair in our kitchen sink. We cleared off the counter and I would lay down on towels with my head hanging over the sink. Sometimes she used rainwater that we had collected in a big tin tub, to make my hair extra soft. Mother liked to use lemon juice as a rinse because she said it kept my hair pale blonde. Most of the time she had my hair cut as short as possible so that there wasn't much hair care involved. My annual school pictures prove that the Pixie cut, made famous at the time by Audrey Hepburn from her movie debut in "Roman Holiday", was popular even in suburban Florida.
One year when I was about nine my mother decided to have my hair permed at the downtown salon she visited. My hair was short already, so the final outcome was almost like pin curls. Just in case we might forget this special hairstyle, she took me to a professional photographer right afterwards for portraits. Looking at those pictures now I just think, poor me. It was a cross between a little old lady and a poodle! My baby doll and I almost had matching hair.
As I got older and cared for my hair myself, I was allowed to let it grow longer. I tried bangs for awhile, but they were a constant annoyance. In the late '50s and early '60s the flip was the rage. Everyone wanted to have the perfect flip similar to Mary Tyler Moore or Marlo Thomas or Jackie Kennedy. This required lots of preparation for most of us. I chose various curlers to use, usually opting for the ones with clinging brushes inside. They were held in with plastic picks that left dents in your scalp. To get the flip to stay, there was green Dippity-Do styling goop which was applied on the wet hair ends before rolling. My hair was thin and limp so the curl didn't last long. I wasn't successful with teasing and didn't like the feel hairspray gave. This meant that if I wanted the flip every day, I had to roll it every night. My hair dryer was the bonnet type which I often fell asleep wearing. Later I had the portable hood dryer. When my hair got really long in high school, I often used empty frozen orange juice cans for curling.
I probably went out in public with my hair in rollers more than once. Can't imagine doing that now.
- Miss Clairol home hair coloring (I admit I lightened my darkening blonde roots a time or two).
As hats became less popular, especially for young girls, hair accessories were in. The stretch hair band came in a multitude of colors to match your wardrobe. Patty Duke helped make these stylish on her show where she played the parts of identical cousins. Clip hair bows were colorful, too, and came in ribbon and velvet. During the '60s I recall it was the fashion at our school to wear 1/8" or 1/4" satin ribbon hair bands that matched your outfit.
I would be remiss to exclude some of the male hairstyles of the times. I recall my brother's Butch hair wax that was an absolute necessity to keep his crew cut standing up correctly. For shine and styling my dad used Brylcreem...a little dab'll do ya...as the ad campaign went. Before the Beatles it seemed most of the men and boys (that we knew at least) had GI type haircuts. Then came mop tops, Afros, the dry look, and the long hippie.
Do you have a hairstyle story from the past?


This is a legally registered, 40 acre gold Mining Claim for sale, the Buffalo Creek Gold #3.
Owner financing, $4000 paying $500/month for 8 months. No downpayment. No credit check.
three different creek sections to triple your gold prospecting potential.
Locals are aware of the gold panning potential in Buffalo Creek, and the whole area has a number of prospectors owning and working their claims for years.
According to geologists, placer gold deposits are present in nearly every creek in this Rocky Mountain area. This area in particular is surrounded by gold-bearing creeks, including Buffalo Creek. Prospected by early settlers, this creek is still considered to contain placer gold.
This is an historical area for gold prospecting, on Buffalo Creek just 20 minutes to the town of Granby, 45 minutes from the cool ski town of Winter Park, and about 30 miles to Rocky Mountain National Park.
This is a 40 acre unpatented, gold mining placer claim, the Buffalo Creek Gold #3, with three creek branches of beautiful Buffalo Creek running thru the claim and is in Grand County, Colorado, in the beautiful Rocky Mountains, and the Arapaho National Forest. The claim is legally registered with the Bureau of Land Management out of Lakewood, CO and Grand County. You own the mineral rights, not sharing with others, on the 40 acres, and use your 40 acres recreationally for camping and prospecting in an awesome, beautiful area.
You are allowed to post No Trespassing for Prospecting signs around the claim.
This claim has direct legal road access from a maintained county paved road, onto a good Forest Service dirt road, with areas for camping, and gold discovered in surface prospecting.
The Buffalo Creek Gold #3, is a gold placer mining claim, ideally situated on Buffalo Creek, surrounded by beautiful Rocky Mountain ranges.
Your 40 acres is the SE 1/4 of the Northeast 1/4 of Section 3, Township 3 North, Range 78 West, 6th Prime Meridian, known as the Buffalo Creek Gold #3 mining claim, in the Rocky Mountains.
About 1 hour 45 minutes from Denver to Granby, via I-70 W and US-40 W onto CO-125 north and about 15 miles from Granby to claim, turning west (left) off of highway 125 onto Forest Road 108.1 (also known as Buffalo Creek Road), which is the claim road, then using mining claim gps coordinates to the claim, listed below. 125/108.1 intersection at 40.24661, -016.07291.
The creek and its 2 branches on the claim is a unique advantage for gold prospecting.
Year round Buffalo Creek on the claim for panning.
Trout fishing in Buffalo Creek.
This is a legally registered, 40 acre gold, unpatented mining claim.
After final monthly payment, your ownership of the 40 acre claim will be legally recorded with the local Bureau of Land Management and Grand County. The quit claim deed is the correct document to be recorded for a mining claim, as stated by the BLM. This is not a sharing with others of your 40 acre claim.
California, Colorado, & Arizona, going on now for over 8 years.


The purpose of this practice is to penetrate straight through ego thought to see and appreciate all the divine roles all of the actors in this healing drama are playing.
If an actor shows up as a reflection of joy, the actor is calling you to who you are. If an actor shows up as a reflection of pain or conflict, the actor is sending you toward the healing that is available for you now. All, without exception, are playing divine roles, and they always play them perfectly. This is the backdoor written into this drama, when you are ready to leave it. The characters aren't who you thought they were. They aren't who they thought they were. Under the personalities and the bodies, they are all divine beings, and they are all very helpful. There are no exceptions because there is only one of you.
One actor can play two different roles at once. For example, let's say an actor is swearing loudly. One onlooker might find it refreshing, honest and funny. That one is allowing the call to joy. One onlooker might feel offended. That one is receiving an invitation to healing available right now.
Make time for a three-minute meditation during which you will begin to appreciate the role of each actor.
You may say all three things to the same actor. After you speak to each actor, allow the next one in line to approach you, and give them your thanks.
I thank all beings for showing up as they do. You always show up perfectly, and I do, too.
Whenever you have time today, recognize the perfect job each actor is doing. Without fail, they always offering you joy, healing and peace. If negativity comes up very strongly, it can be hard to affirm that the one who seems to be in the wrong is offering healing, but it truly is a reminder to go in, to remember the presence of your always-loving nonphysical team, and to affirm that you are willing to receive perception correction. You calm the conflict in all minds whenever you do this, so we thank you.


Herzl was a week into The New Ghetto when news broke of Alfred Dreyfus' arrest on October 29. Like everyone else, the playwright presumed Dreyfus guilty. The infamous trial began in December, when the play had been finished for over a month. In late April 1895, mere weeks after completing his second draft, Herzl sat down and almost manically dashed off The Jewish State. Herzl's diaries scarcely mention the Dreyfus trial and subsequent campaign, which took off only when new evidence of the defendant's innocence emerged in 1896, well after publication of The Jewish State.
So it seems to have been The New Ghetto, not the Dreyfus Affair, that transformed Theodor Herzl. Both historian Jacques Kornberg and author Georges Yitzhak Weisz have suggested as much. But how did that change come about?
Few know that aside from being a Zionist visionary, Theodor Herzl was a recognized playwright, whose works – usually fairly light and amusing – were performed in Vienna's greatest theaters. From ages twenty to thirty-five, Herzl wrote almost one play a year; His Majesty (1886), The Poachers (1889), and What Will People Say? (1890), to name a few. But after the failure of The Lady in Black (1890), he lost confidence. His first child, Pauline, was born at this time, and shortly afterward, his close friend Heinrich Kana committed suicide.
Overwhelmed by the changes and crises in his life, Herzl abandoned the stage and accepted an offer from the Neue Freie Presse to serve as its Paris correspondent. Seeking new direction, he found it in covering a financial scandal then electrifying the French capital and involving the Panama Canal Company.
This French project, pioneered by Ferdinand de Lesseps on the heels of the celebrated Suez Canal, was financed by stock options. But the canal works went way over budget, resulting in the company's 1889 bankruptcy and heavy losses to most investors. Until then, middlemen bribed a slew of politicians to keep the project afloat with further bond issues. Many Jews were party to the corruption, including one Jacques de Reinach, who gave newspaperman Édouard Drumont a list of the politicians implicated – and then committed suicide.
Drumont had authored the virulently anti-Semitic La France Juive, published in 1886 to great acclaim. Riding on his success, he founded La Libre Parole (Free Speech), an obscure daily that became famous overnight thanks to its revelations regarding the wheeling and dealing surrounding the Panama Canal.
Despite a months-long prison sentence intended to silence him, Drumont continued naming names, prolonging the agony by publishing a new one every day. La Libre Parole's sales soared – an achievement Drumont repeated with his paper's scathing coverage of the Dreyfus Affair two years later.
Days later, La Libre Parole called for the exclusion of Jews from the French army. Indignant protests followed, to which Drumont coolly responded: "Let the Jewish officers offended by our articles designate a number of delegates, and we will oppose them with an equal number of French swords" (quoted in "Mayer, the Forgotten Dreyfus," Le Nouvel Observateur, July 1993).
Indeed, many partisans of Drumont, often aristocrats, provoked Jews into duels, forcing them to risk their lives against all odds.
In one such confrontation, the Marquis de Morès, a quasi-professional swordsman, engaged Armand Mayer, a young Jewish captain in the French army's Engineering Corps and an engineering instructor at the prestigious École Polytechnique. Mayer sustained a fatal chest wound. His funeral on June 26 attracted unprecedented crowds, incensed by the officer's pointless death. Two years afterward, Herzl used the incident as the basis of The New Ghetto.
Herzl's play begins with a reception in honor of newlyweds Hermine Hellman and Jacob Samuel, attended by a host of Jewish stereotypes. Guests include Hermine's ex, eastern European Emmanuel Wasserstein, with his accented German, whose losses on the stock exchange had disqualified him as a bridegroom; Jacob's non-Jewish friend and confidant, Franz Wurzlechner; and a Hellman family associate, Count Von Schramm. The action involves the complex flotation of a mining company, loans, and financial problems.
Jacob explains to Franz that the count once challenged him to a duel, which he sensibly, if shamefully declined, apologizing instead. The admission drives a wedge between the young Jew and his friend, and they part – Franz to join an anti-Semitic political party, Jacob (who has been flirting with socialism) to advocate for exploited mine workers.
The miners strike, and the mine floods, killing workers and ruining investors – including Count Von Schramm. Goaded by the count one time too many, Jacob slaps his adversary and must then agree to a duel.
The New Ghetto was serialized in 1898 in Die Welt, Herzl's Zionist weekly. The play was performed at Vienna's Karl Theater from January 5 to February 15, 1898, with further runs that year in Berlin and Prague. Strangely, it was never produced again.
The fact is, the work is disconcerting.
Given Herzl's great popularity as a journalist and leader of the controversial new Zionist movement, The New Ghetto was widely reviewed. But nobody knew what to say. Initially rejected by the Austrian censors, the play was eventually approved because it echoed the prevalent anti-Semitism, presenting Jews in a terrible light. An early attempt to translate the work into Hebrew foundered for this very reason.
So is The New Ghetto flawed? Anti-Semitic? The pace is lively, the characters endearingly human. The historical value of the text is obvious: no mere jaunt through the Habsburg capital at its height, but a considered portrait of the social-urban conflicts of 19th-century Europe: aristocrats in decline, Jews on the rise, and the tensions of anti-Semitism and assimilation. Above all, however, the play plunges deep into the heart of Herzl himself.
The New Ghetto shows that even if the old ghetto had disappeared, Jews were confined to a stifling moral one. Leaving it was imperative, yet this ghetto served an essential role: it provided the imaginative space in which Herzl, the assimilated Jew, could become a proud member of his own race.
Having absorbed aristocratic values in high school and university, genteel, assimilated Jews like Herzl struggled with Viennese society in the late 19th century. Non-Jews rebuffed them less and less politely; the elder generation of Jewish businessmen, who'd succeeded precisely because they weren't yet fettered by romantic European chivalry, disgusted them.
Their selflessness was rooted in love of art, a profound sense of honor, and an almost reckless contempt for materialism, money, and death. Herzl's close friend Heinrich Kana, whose suicide shook him terribly, was an almost inevitable casualty of the impossibility of sustaining such values. These young Jews worshipped at the altars of altruism and generosity, determined to help the weak and oppressed.
Steeped in this refined morality, as personified by The New Ghetto's hero, Jacob Samuel, Herzl could only despise Jewish tycoons like his father-in-law, the rich industrialist Naschauer, and the Hirsch and Rothshild bankers he met in Paris and castigated in his journal. In a subtle irony, Herzl aristocratically "squandered" his father-in-law's fortune on the Zionist dream. He admired those of noble birth, but they loathed him as a Jew. They too were hypocritically enmeshed in the pursuit of the wealth that their elegant lifestyle demanded.
The Morès-Mayer duel, at the heart of Herzl's play, probably also stirred a memory still smoldering inside him. As a journalist in Vienna, he'd been drawn into a ridiculous argument in a café, almost embroiling him in a duel from which he escaped – like Jacob Samuel – only by apologizing.
Indeed, The New Ghetto has a Freudian quality that reflects and even anticipates the events of the playwright's life. Jacob's wife, Hermine, is clearly based on Herzl's long-suffering spouse, Julie Naschauer, heiress to untold millions, the child-woman foreign to her husband's secret concerns. Herzl was extremely attached to his mother, Jeanette, who survived him by over seven years. The play's moving portrayal of his protagonist's despairing mother mourning the untimely death of her only son is thus almost shockingly prophetic.
Most of all, the work captures Herzl's internal paradox: his aristocratic values made him a proud Jew yet cut him off from his own people; and he sacrificed for others but not to save himself.
The New Ghetto shows Viennese Jewry caught between the decline of the gentry and the rise of the proletariat. The nobles are victims of their own values. Their fortunes waning, these aristocrats survive by either marrying money or manipulating the stock market. Faced with these puppets – their stupidity often equaled only by their brutality – is a suffering proletariat, represented in the play by the dignified miner, Peter Vednik. Despised by both classes, the Jewish nouveaux riches depend on the stock exchange and its acrobatics – which Herzl's plot explains at length.
Anti-Semitism took the assimilated Jews of Vienna by surprise. A few months after Herzl completed The New Ghetto, Karl Lueger was elected mayor of Vienna on an openly anti-Semitic platform. He took office in 1897, the year of the first Zionist Congress in Basel.
For Herzl, the very writing of the play was a psychodramatic process.
Whereas Freudian psychology says, "Tell me what happened," Jacob Moreno's psychodrama (founded, like Zionism and psychoanalysis, in Vienna) says, "Show me what happened." First a trauma is reenacted, with the protagonist casting his acquaintances as the main characters. This exercise leads to the unearthing of an episode buried deep in his psyche. The protagonist must then connect the two scenes. A recent argument with a friend, for example, might open up an unresolved conflict with one's father. The association between the two incidents creates the possibility of resolving the earlier conflict.
When writing The New Ghetto, Herzl projected himself entirely onto Jacob Samuel, a perfect psychodramatic double. A well-to-do, assimilated Jew, Jacob attempts to live by the aristocratic notions inculcated in him by his non-Jewish education, but these very values destroy him. Choosing ideals over income, he cannot make ends meet. Throwing caution to the wind, he duels and is killed. His good intentions prove fatal: the miners' strike he organizes results in death and destitution while harming the capitalists responsible – himself included.
By contrast, the real aristocrats in the play (such as the villainous Von Schramm) don't bother with aristocratic values. Money matters most, and they'll stop at nothing to get it. And Herzl-Jacob, the Jew, will always be rejected. Hence Jacob's separation from Franz, his non-Jewish friend. Jacob will never be like them.
Above all, the play shows us Herzl's metamorphosis. Just as the psychodramatic protagonist frees himself from trauma by reliving it, thereby realizing its relative insignificance, with the writing of The New Ghetto, Herzl relives his adoration of the German aristocracy and Western culture. He reenacts a recent event – the Morès-Mayer duel, in which a highly refined Jew is killed by a gangster aristocrat – to reveal his own position as an aristocratic Jew (or an "artist Jew," as he called himself) in Viennese society. Herzl-Jacob realizes he has only himself to blame for his failure, his discomfort, his profound maladjustment. Through Count Von Schramm's brutality, the author-protagonist recognizes his values as futile and self-destructive.
In a gradual role reversal, Emmanuel Wasserstein, the "stock market Jew" with his ridiculous mannerisms and east European inflection, conceived at first as the drama's only comic relief, becomes increasingly pivotal and positive. His vulgarity hides a more solid and effective generosity than Jacob Samuel's.
Wasserstein is Jacob's mirror image. Money is his main value, because he sees things as they are. Honor is irrelevant. He agrees to be treated like a rag. When Count Von Schramm threatens Jacob with a duel, Wasserstein is unmoved. He has nothing to fear – he'll never fight, never prefer death to dishonor. His priorities lie elsewhere.
A simple man, Wasserstein can afford to be magnanimous to his enemy when the latter is facing ruin. His sympathy for the miners is sincere, as is his love for Hermine, whom he'll undoubtedly marry as soon as she finishes mourning Jacob. Wasserstein's success is complete; prepared to accept the humiliation that costs him only his pride, he gains wealth, happiness, and honor.
The entire play is a reversal of fortunes: the uncouth Ostjude Wasserstein becomes the hero, and Jacob the aristocratic Jew dies, killed by his own contradictions.
In writing The New Ghetto, Herzl exorcises his desire to assimilate into Viennese high culture, purging himself of his illusions, his fascination with Western culture. The apparently liberated Jew lives in a moral ghetto, Herzl realizes. Those who dare leave it do so at their peril. Through Wasserstein, he comes to appreciate his own Jewish identity.
Naturally, then, after completing the play, Herzl returns to the synagogue and ponders how to improve the Jewish condition. He understands that only a Jewish state, in which Jews live freely by their own standards, can deliver them from their destructive Western ethos and give their lives meaning. Having completed The New Ghetto, Herzl no longer yearns to be a famous playwright; he wants to build a state.
Seventy years after the founding of the State of Israel, Jacob Samuel's puzzling last words – which Arthur Schnitzler found so painful – suddenly take on new meaning: "Jews, my brothers, they won't let you live unless you learn to die!" Herzl's dramatic turnaround, vindicating the authentic Jew Wasserstein over assimilated Jacob, laid the foundations for a new political creation – the Israeli, who has a homeland worth dying for. From the psychodrama of The New Ghetto sprout the politics of Zionism; the dry bones are clothed anew in skin and sinew. And thus Theodor Herzl, the playwright turned prophet, gave birth to The Jewish State.


Kari Smith and her talented students at Nashville's Lipscomb Academy will reveal their Spring 2019 production tonight with a steampunk version of Alice in Wonderland.
Alice in Wonderland runs April 4 and 5 at 7 p.m. and April 6 at 3:30 p.m. An extra-special Tea Party with Alice and Friends, a ticketed event before the matinee, is scheduled for Saturday afternoon at 2 p.m., where Alice and all of her Wonderland friends will have a meet and greet with kids and families, tea and treats, and fun activities and photo opportunities.
Tickets for the show are $15 for reserved seating, $10 for general admission adults, $5 for general admission students, and $20 for both the Tea Party and a General Admission ticket to the matinee on Saturday, April 6.
What is your theatrical goal in life? My theatrical goal in life is to never give it up. Somehow, throughout my busy life, I have always been able to participate in most of the productions going on at our school. I would like to continue to be involved in theatre throughout College and beyond.
If you could play any role in any show, what would you choose? My dream role would be to play Sophie in Mamma Mia. I have always loved that show. Another role I would love to play would be Anya from Anastasia. I love the innocence and determination of both of these roles.
What's been your best theatrical experience to date? The best experience I have ever had in a show would be Joseph and the Amazing Technicolor Dreamcoat. Although it is mostly an ensemble show, the unique style of each song made it an exciting experience. I also have loved being able to play Alice in Alice in Wonderland. Our steampunk take on the play makes for very different costumes and set.
Who are your favorite actors? My favorite actors are Lea Salonga, Amanda Seyfried, Anna Kendrick and Idina Menzel. All of these people have caused me to fall in love with theatre.
What show that you've never seen would you most like to see live, onstage? Although I know all the songs, I have never seen Wicked onstage. I have always wanted to see it in New York. I also would love to see Dear Evan Hansen.
Why should people come see ALICE IN WONDERLAND? People should come to see our show because of its uniqueness. It is a strange new take on the well-known story, with a steampunk style. All of the wacky, mad characters will come to life in our production of Alice in Wonderland.
What is your theatrical goal in life? My theatrical life goal is to be able to do theater whereever I go in life. I would love to continue theater in college this next year at the University of Tennessee, Chattanooga, if I have the free time, and if I don't I have time I plan on picking it back up when I am out of college. A life goal for me in the theater would be if an opportunity ever arises I would love to have the chance to perform in a Broadway show.
If you could play any role in any show, what would you choose? Although Anastasia has now closed on Broadway, it will always be my dream role. But now in its place, my new dream role is to play Bonnie in Bonnie and Clyde, if they ever revive the show. Anastasia learned her identity, but Bonnie lost her identity in the life of crime. I find the difference in those roles interesting.
What's been your best theatrical experience to date? Definitely would have to be this production of Alice in Wonderland as I play The Cheshire Cat. The Cheshire Cat is unlike any role I have ever played before. The cat is sane, mysterious, and mad (meaning crazy) all at the same time. I love the challenge of being able to create this character and bring it to life on stage.
Who are your favorite actors? Christy Altomare Is the all-time favorite actress. I look up to her as I am a young theater actress. Along with Christy, my other favorite actors and actresses are Jessie Mueller, Ben Platt, Jeremy Jordan and Sierra Boggess.
What shows that you've never seen would you most like to see live, onstage? Hamilton is a show I have waited to see onstage for the longest time.
Why should people come to see ALICE IN WONDERLAND? Lipscomb Academy is not doing the traditional Alice In Wonderland that the community might recall. Wonderland and the characters will now have a steam punk vibe, and we will be able to tell Alice's story in a new light. I think the community will enjoy the new look of Alice and her journey through Wonderland. People should come see Alice in Wonderland because it is such a fun show with cute dances and fun accents. The goal is to take the audience out of the present and take them on a journey through Wonderland. The show is family friendly and the kids and adults will be able to buy in to the madness of Wonderland. If I can say anything, I would say be ready to laugh and enjoy Wonderland.


text:
<?php

namespace frontend\models\form;

use Yii;
use frontend\models\RgnCountry;

/**
 * handling 'country' model for modification
 *
 * @author fredy
 */
class RgnCountryForm extends RgnCountry
{

}

redpajama_set_name: RedPajamaGithub


text:
Last modified 2588 days ago (June 14, 2012)
The Marion County wheat harvest will be in full swing in this county by this weekend. Elevators over the county anticipate a huge crop.
Rev. Clarence Born of Crystal, N.D., has accepted a call from Our Savior Lutheran Church and is expected to arrive August 17. He also will supply the Immanuel Lutheran country church east of Marion on Highway 150.
Dr. A.L. Havlik, local veterinarian, announces this week that Edward F. Ptacek, also a licensed veterinarian, has joined him in the Marion Veterinary Clinic.
The Marion Cookie Leaguers have won their first two starts. Jerry Richards pitched both games, with Jim Williams and Roland Vogel as catchers. Leading Marion hitters were J. Minear, J. Bledsoe, J. Shull, and D. Winters.
Mrs. Victor Winter entertained a group of youngsters Saturday afternoon with a birthday party in honor of their son Randy's third birthday. Invited guests were Karen and Sue Quam, Sidney and Rosemary Ollenberger, Juanita and Jolene Beisel, Cheryl Wooldridge, Linda and Kay Amick, and Cheryl Tidwell.
Eugene Steiner of Durham writes his mother to tell her he had quite a thrill when he and three of his fellow Army cooks met Clark Gable, who is making the picture, "King Arthur's Kitchen," in Shaftesburg, England. He says the show is in color and that he and his GI friends can be seen in the movie dressed in wine, brown, and light and dark green jackets.
Last modified June 14, 2012


text:
import * as ts from 'typescript';
import { ElementKind } from '../constants';
import {
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} from '../element';
import { transform } from '../transform';
import { create_function_type, IFunctionType } from '../types/function-type';
import { add_declare_modifier_if_need } from '../utils';

export interface IFunctionDeclarationOptions extends IElementOptions {
  name: string | undefined;
  type?: IFunctionType;
  export?: boolean;
}

export interface IFunctionDeclaration
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export const create_function_declaration = (
  options: IFunctionDeclarationOptions,
): IFunctionDeclaration => ({
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});

export const is_function_declaration = (
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// tslint:disable:ter-indent

/**
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  element: IFunctionDeclaration,
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    /* typeParameters  */ function_type.typeParameters,
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};


text:
News Archive - March 2019
Recycle more with Test Valley Borough Council In Test Valley, 94 per cent of waste is either recycled or turned into electricity, with only six per cent going to landfill. As part of the Hampshire... March 21, 2019
Love Where You Live It took around three weeks to complete the work, with 634 bags of litter collected amounting to nearly 3 tonnes of litter and other roadside debris.... March 21, 2019
Architects praise leisure centre as 'one of their finest projects' Test Valley Borough Council awarded the leisure contract to Places Leisure along with their architects, Roberts Limbrick, construction partner Pellikaan... March 21, 2019
Andover academy lends its support to Recycling Stars Winton Community Academy registered its support for Recycling Stars, which is a project run by the council's environmental service to... March 21, 2019
Town Mills redevelopment receives £500k boost The Enterprise M3 Local Enterprise Partnership (LEP) has awarded more than half a million pounds towards the £1.2m Town Mills Riverside project,... March 21, 2019
Park up and post! The park-up-and-go spaces will be located opposite the rear of Poundstretcher. They will not be designated disabled bays, so those without disabled... March 21, 2019
Hypnotherapy business awarded grant Mark received the £750 Test Valley Borough Council (TVBC) grant after setting up MW Hypnotherapy last year. MW Hypnotherapy offers long term... March 20, 2019
Akwaaba Barbershop makes the cut Located in Waterloo Court, in the centre of Andover, Prince specialises in Afro-Caribbean styles, offering such cuts locally to customers who would... March 20, 2019
Community ploughs ahead with council grant Plough Ahead, a group of Longparish residents, came together with the aim of purchasing and running The Plough pub. The residents formed Plough Ahead... March 20, 2019
Leisure lead pays thanks ahead of new centre opening The new Andover Leisure Centre opens on April 1 and will feature swimming pools, sports halls, squash courts and a 165-station gym. Having signed... March 15, 2019
Further investment into council's homelessness work A pilot scheme launched in March 2018 to transform homelessness services across Test Valley has been backed by a further £100,000. Test Valley... March 15, 2019
Planning ahead as first Neighbourhood Plan approved Goodworth Clatford residents have voted for the plan that will help shape future development in the parish. The Goodworth Clatford plan sets out... March 14, 2019
Fine for Andover fly-tipper Jitladda Saunders illegally dumped the waste in September last year and admitted the offence at Basingstoke Magistrates Court at the end of February. Black... March 13, 2019
Taxi driver prosecuted after council investigation Amine Achboun, of Amesbury, was a licensed driver with Test Valley Borough Council working for an operator in Romsey. When asked to produce ... March 13, 2019
Fox Finds awarded £1000 grant Located on Bell Street, Fox Finds offers a unique homeware and gift shopping experience, where Adam sources modern and quirky items from local suppliers,... March 12, 2019
New pot of funding secured through government grant The authority will benefit from the £177,000 funding together with Winchester City Council after a successful bid for the Ministry for Housing,... March 8, 2019
National Apprenticeship Week promoted by Test Valley Borough Council Apprenticeships provide a great opportunity to gain valuable work experience while studying for a recognised qualification. The council provides apprentices... March 8, 2019
The fit-out has started as leisure centre opening nears The equipment has now started to arrive, including apparatus for the sports hall ahead of the opening on April 1. Featuring swimming pools, sports... March 7, 2019
Council sets out four-year plan The new corporate plan, Growing Our Potential, sets out the council's priorities for 2019 to 2023. Highlights include a focus on town centres,... March 6, 2019
Building waste dumped on A303 Jamie Parsons left the waste in a layby along the A303 just before the slip road for Picket Twenty in July last year. Earlier this month, he admitted... March 5, 2019
Community projects awarded more than £2,000 The Big Band Buffet social and safety music event, and the Intervention, Communication, Education (ICE) scheme have both been awarded four-figure sums. The... March 5, 2019
Council sparks boost for new electrician The Andover company has now benefited from a Test Valley Borough Council grant. Gavin's company offers a range of domestic and commercial installation,... March 4, 2019


text:
DIGIBLISS
The storm rising in the sun, may have an impact till the earth,
August 20, 2022 by Digibliss
Home - Science - The storm rising in the sun, may have an impact till the earth,
agencies around the world have issued advisory
From Earth's point of view, this seems a concern, but such behavior of the Sun is normal.
Prem Tripathi Updated on: 18 August 2022 20:18 IST
Share on Facebook Tweet Share Snapchat Reddit Email Your opinion
The storm rising in the sun, may have an impact till the earth, agencies around the world have issued advisory
All this is the result of the 11-year solar cycle that the Sun is passing.
Although it will not affect you at all
Our satellites in space may be affected
power grid may be affected
The danger of several solar storms is looming on the earth one after the other. All this is the result of the 11-year solar cycle that the Sun is passing. It is in very active phase and will be surrounded by movement till the year 2025. Recently, the US space agency NASA had said in a warning that there is a possibility of repeated giant solar eruptions.
Now the British Meteorological Office, the US National Oceanic and Atmospheric Administration (NOAA) Space Weather Prediction Center (SWPC) and the Australian Bureau of Meteorology (BOM) have issued advisories for solar and geomagnetic storms over the next few days. The reason for this is a sunspot formed on the Sun, which is repeatedly provoking solar flares and coronal mass ejections.
According to media reports, this seems to be a concern from the Earth's perspective, but such behavior of the Sun is normal. These storms can cause some minor disturbances. However, they will not affect you at all.
Only our satellites in space can be affected. The power grid may be affected. If storms become more dangerous, they can put the passengers in space at risk. If you live in a high altitude, then you can get spectacular aurora views.
Solar storms are a natural part of the life of the Sun. Every 11 years when a new cycle begins, it goes through different activity levels. During this, the movements in the sun increase. Because of this, coronal mass ejections ie CME and solar flares are seen.
CMEs are large clouds of solar plasma. After a solar explosion, these clouds spread into the Sun's magnetic field in space.
Due to their rotation in space, they expand and often they reach a distance of several lakh miles. Sometimes they collide with the magnetic field of the planets. When their direction is towards the Earth, they can cause geomagnetic disturbances.
Because of these, short circuits can occur in satellites and power grids can be affected. If their effect is high, they can also put the astronauts in Earth's orbit at risk.
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I think that if the ones you love rely on you financially, you must get life insurance, especially if you are a low-income earner. Let's call a spade a spade. If a wealthy person passes away and doesn't have life insurance but has left properties, businesses, and no debt for his family, the family can survive.
What happens if a person with no means dies and has no life insurance? The only inheritance he left to his family is zero in savings, an unpaid mortgage, and no future income. Can you see where this family's future is headed?
In this post, I will share the tips to find an affordable life insurance policy for low-income families.
What Is the Income of a Low-Income Family?
A low-income family is not only measured by the amount of money they make but by how many family members live under one roof, in correlation to state they reside in.
According to the U.S. Department of Education, a family of four earning $37,650 per year is considered a low-income family. Now, if you are the family's breadwinner, and you are currently struggling financially, could you imagine what would happen to your loved ones if you were no longer here?
Will my children be able to pay school's tuition?
Can my surviving spouse pay the mortgage balance?
How can the remaining family members support themselves?
Will they even have enough money to bury me?
Eighty-three percent of potential buyers believe that life insurance is too expensive. When they were asked how much they thought it cost, most replied that it cost nearly three times the actual price.
Most Americans believe that a healthy 30-year old pays $400 per year for a $250,000 20-year policy. The actual truth is $146 per year for male and $128 for female.
They don't understand life insurance either (which is why you must use a broker). Seventy percent of Americans failed a recent 10-question basic life insurance IQ test.
I wrote an extensive guide on how to save money on life insurance here, but I'll address specifically those with limited income who seek life insurance.
Start online: Yes, just like everything in the world we live in—from ordering food to getting a ride to the airport—everything starts online. You can begin online to get an idea of the prices, but if you don't know about the type of life insurance, or you aren't in good health, don't apply before you talk to a broker first.
Work with a broker: Finding a good broker is harder than finding rates online because every life insurance website has rates, but very few will actually be helpful and walk you through this daunting underwriting process, medical exam, and your policy's delivery.
Resist the temptation to work with your Farmers or State Farm agent. This is where most unsavvy life insurance customers go first because they know their agent. Your car insurance agent may be a great person who understands a lot about car insurance, however, he/she is no expert in the life insurance field. In fact, they are a captive agent and will only provide rates from one company, which is not only overpriced, but you also have fewer options from which to choose.
Don't skip the exam: A no-exam life insurance policy is convenient, I get it, but you'll pay more for the convenience of not taking the exam.
Stay healthy. Easier said than done for most of us. Applying while younger and healthy will not only save you money on your policy but will get you the peace of mind you want.
Stay within your budget. There is nothing worse than buying a policy which you can't pay for in the future.
Does your employer provide coverage? If they do, make sure you take it. It may not be portable if you quit or get fired, but it's better than nothing and typically offered free by the employer.
This is a hypothetical question, and since I don't know anything about your health history or your financial goals, I'll only cover the basics here.
I can't stress that enough, that if you don't know what policy to buy or are new to purchasing life insurance, don't go about it yourself, use a broker to guide you through the options.
Term life insurance offers the best bang for your buck, and it's the most affordable type of coverage you can buy. In essence, you purchase protection for a particular timeframe such as 10, 15, 20, or 30 years, where your premium and death benefit remain fixed for your chosen duration.
There is no cash value accumulation or investment component within this coverage, which makes term life easy and straightforward product to understand.
Final expense offers a smaller life insurance policy, typically up to $25,000 in death benefit, and is used to cover the charges of affairs specifically related to your death. Anything from burial services, funeral, and final medical bills will be the aim of this coverage.
Final expense policies are whole life, which also builds cash value that grows over time. The premiums and death benefit remain level for your entire lifetime.
I got a phone call in the past year or so with an individual in his early 40s, who was diagnosed with cancer and was shopping for life insurance. The fascinating thing I noticed was that he was willing to pay any price now because now he could see a use for it.
Unfortunately, I couldn't help him, as it was too late to buy insurance when you only have a few months left to live. We tend to think that death won't happen now, and since I can't afford life insurance now, I'll deal with it later. However, death is inevitable, it's only a matter of when. We can't escape it; we can only be prepared.
I'll finish with this: Whether your income is high or low, if someone you love depends on it, get a life insurance policy that you can afford—whatever the amount is.
If you outlive your policy, both the insurance carrier and your family will be pleased you did.