Do Childcare Facilities Need Employment Practices Liability Insurance?

Do Childcare Facilities Need Employment Practices Liability Insurance?

Protection for You

You've got a state-of-the-art child daycare built around a warm, clean and safe atmosphere. The teachers are handpicked professionals that give kids undivided attention, stimulation and fun learning. Children are happy. Staff is fulfilled. Parents are proud. What could go wrong?

Unfortunately, a lot of things - that your general business liability insurance does not cover.

Childcare Claim Examples that Really Occurred!

• Third Party Liability: After a Montessori School stated they could not admit a child due to licensed limited capacity, the parents sued for racial discrimination. The parents insisted that the school had a non-admission policy for African American children and mentioned the fact that the student body did not contain even one African American. Defense and Settlement costs totaled: $67,000.

• Internet / Email Liability: An administrative assistant for a childcare facility sent an email to all employees instead of her intended single recipient. The email contained an embarrassing inappropriate joke. The center's director instructed the employee to send a subsequent apology email to everyone. Just 2 months later, an employee that was laid off due to company downsizing, sued because of a hostile work environment and cited the inappropriate email as proof of an atmosphere that did not respect her religious principles. The facility was discomfited and uninterested in having this lawsuit revealed to the parents.

• Retaliation: An Indian childcare employee objected to the racial insults directed at him by some of his fellow workers. As a result, the owner assigned him to another room where there was less of a staff presence. The new situation warranted less work-time and therefore his hours were reduced. The slighted employee sued the childcare center for discrimination and retaliation for relating the discrimination. Defense and Settlement costs totaled: $125,000.

• Wage and Hour: A Non-Exempt head teacher was covertly tracking hours as she worked the overtime that was requested of her. As a salaried worker, this teacher never mentioned any grievance about the additional workload. When the owner was served a wage-and-hour lawsuit by the teacher, he was caught by surprise. Although there was no way to discern if the teacher's calculations regarding her work hours were precise, the center was guided by their lawyer to settle for the presented amount rather than take the risk of other present and past employees joining the lawsuit.

Employment Practices Liability Insurance

Employee-related claims come at a steep price. Protect your childcare center from a lawsuit with an EPLI plan that's tailored to you.

EPLI

An EPLI policy protects you against lawsuit claims made by current, past and possible employers, as well as visitors. It's coverage for a wide range of suits that stem from:

1. Wrongful termination

2. Discrimination

3. Sexual harassment

4. Service refusal

5. Other employee claims

Visit http://www.primeins.com/ for the best coverage and quotes. Located in Lakewood, NJ, PRIME Insurance is affiliated with tens of the top insurance companies. Experienced and caring, with a reputation that bespeaks excellence, PRIME provides protective plans for the Tri-State area and beyond. Join the ranks of 10,000 plus satisfied customers today!

Buying Financial Insurance in Canada

If you're a Canadian and have been in the workforce for a decade or more, then you know that your income purchases less today than the first year of your working career. Inflation is a part of our society and while our government continues to devalue our money by printing more and more of it, inflation will undoubtedly continue. This is not only a Canadian concern though. All around the world people are feeling the effects of inflation due to excessive money printing; but more on that another time. The long-and-short-of-it all is this: YOUR MONEY WILL continue to BUY LESS as the years go by.

A quick 100-year calculation using the Bank of Canada (BoC) inflation calculator showed the cost of a fixed "basket" of consumer purchases in 1915 was $100.00. At the end of 2015 that cost was $2,083.61. More recently, over the last 10 years prices have gone up 18.01%. Has your income gone up by the same or greater?

The answer is probably, No.

Whether you're a six-figure earner or you make 30k a year, your "money" is losing buying power. There are a lot of ways that you can protect your money from devaluation but we'll discuss two common options people take.

One option is the stock market; put a lump of your savings into a portfolio and see what happens. Sounds like gambling to me. But if you're prepared to leave your finances up to other factors (and people) other than your own due diligence, then putting your money into stocks may be a good fit for you under the following two conditions:

    You have the stomach for volatility and,
    Your primary objective is to see a substantial return in a short period of time... hopefully.

Another option, and this tends to be the easiest and most selected, is to open a bank savings account. No hassle involved; just open the account, decide how much you want to save and how often, put it on auto-pilot and watch your savings grow.

Really?

In today's economy, bank savings accounts are not a viable savings vehicle. Most of the interest rates offered are earning below inflation rates. The sad reality is many savers make a future withdrawal only to realize that thy have lost money on an after-inflation basis.

So, what do you do if you're not a savvy investor?

Buy financial insurance.

We have insurance for almost every aspect of our lives yet insurance is something many of us hopes we never need to use.

Buying financial insurance in Canada, or anywhere else for that matter, is putting your money into a vehicle that is protected long-term from the ups and downs of the volatile economy.

Buying financial insurance preserves your buying power and provides a hedge against inflation.

The global economy is changing but the only economy that should matter to you is yours.

Take the time to get further educated on buying financial insurance in Canada.

As an independent insurance advisor and income protection specialist for almost a decade, Ryan has been providing clients with customized personal insurance and financial solutions through disability, life, critical illness, long-term care, and other personal insurance products while providing strategies for hedging income and preserving wealth.

Proper Information Aids You in Making Smart Decisions

Life gives you many alternatives. The most important decision you have to make is to choose among those alternatives. This task becomes even more complex when there are a large number of alternatives. It is a known fact that you are able to take good decisions when you have decent subject knowledge. With proper knowledge you are at a higher perspective. You are able to compare the options and go for the one which weighs highest amongst its competitors.

When we talk about buying insurance policies, you would find that there are so many companies selling nearly similar products. Thus, here you would have to scrutinize carefully which company or product gives you the best deal. Having proper knowledge about the company liquidity, claims settlement ratios and their services would make your comparison better and would aid you to take the best possible decision. Analyze your needs and decide how much insurance you need. Calculate the premium charged by various companies for your type of insurance requirement. You would be surprised to know that there is significant difference in the premiums charged by companies. Newer companies generally charge lower premium to win the competition in their favour. Here you have to decide whether you would trust a new company for lower premium. Calculate your risk hunch. These days most of this information is available online. Online sources give adequate and mostly unbiased information to aid your research for taking the optimum decision. Surely, you would like to get good value for the hard earned money spent by you. It hurts when you know later that you could by a better product for the price spent by you. Thus, do thorough research prior to buying an insurance product.

When you have your valuable assets insured you get a peace that is unmatched. To attain that peace do a little research and get a plan that best fulfills your needs and ambitions. You can concentrate better on your core duties when you have arranged to safeguard your assets. Proper comparison weeds out weak insurance policies from the market and companies are forced to upgrade their offerings.

Online portals provide a good base to compare the plans of various companies and let the customer buy the best. They are able to take well informed decisions. This openness forces insurance companies to withdraw their bad products and bring out modified plans with competitive features. With healthy comparison you can chose plans that suit your needs and requirements best. As it is a well understood fact that every individual has different needs and expectations from insurance. Thus, be well informed. As earlier said there are many people in the market who would cheat you and induce you into buying a weak insurance plan. By comparing plans online people save significant amounts of money and avail plans with good coverage. When you purchase plans online everything is documented and recorded. Thus, the propensity to cheat reduces significantly.

Comparison always promotes quality. When the customer is well informed the companies are driven to constantly improve their offerings. It ensures better service. You get the maximum value for the money spent by you. You get to know your insurance requirements by online research.

Tips for Saving Money on Insurance Premiums

For those who are looking to save some money in the new year, it may be beneficial to research some ways to reduce the costs of car insurance premiums. There are a variety of ways to pay less money each month. The following are some ideas to consider implementing in order to reduce monthly spending:

Liability Coverage on Older Vehicles

For anyone who has older vehicles, carrying only liability insurance is one way to reduce premiums. This is especially helpful for those who have older vehicles in addition to their vehicles used for primary transportation. Removing the collision and comprehensive pay can be a good way to reduce spending, particularly if the value of the vehicle is low. It could be that the cost of insuring the vehicle is higher than the replacement value.

One main consideration with this idea is whether or not there are payments due on the car. For anyone who is still financing, the agency may not allow a drop in coverage until it is paid in full. Also, if there is no way to replace the vehicle in the event of a crash, full coverage may be needed until funds are in place to do so.

Inquire About Safe Driver Discounts

Many agencies will offer discounts to those who have a clean driving record. These discounts are typically provided to those who have no tickets or accidents on their driving record in a specified timeframe. In addition, drivers should not have made any claims for comprehensive repairs, such as broken windshields.

Ask About Discounts for Good Grades

For those with children of driving age, a good report card can prove to be beneficial with regard to insurance costs. Discounts are often provided to kids who maintain a certain grade point average. The amount of the discount will vary from agency to agency. Also, the insurance agent will likely ask for proof of grade point average from time to time, so be prepared to provide that information on a regular basis.

Do Not Drive As Often

For those who are at a point in which they are not driving as often as they used to, agencies may provide a discount for doing so. If driving less is not an option, there still may be options to attain this discount. This can be done through carpooling or traveling using public transportation. This not only accomplishes the goal of spending less, but it will also save money in fuel costs, maintenance, and repairs on a vehicle. For those interested in this type of discount, the agency may require a device to be placed in the car to track mileage. Alternatively, the insurer may request a manual report of mileage on a regular basis.

Saving money is often a priority for many families, and saving on insurance premiums is an ideal place to start. Check with different insurers to see if additional discounts are offered that are different from the current agencies. It may be worthwhile to change providers to take advantage of these cost-saving measures.

Understanding the Necessity of Acquiring Your Own Insurance Policy

Understanding Insurance Claims

An Insurance Plan can get us off our worries. May it be an Educational Plan, Health, Life, Auto, Accident or Retirement Insurance Plan. Living in a country where everything is fast-paced, having an Insurance Policy is a necessity. The absence of these much-needed Plans could cause you a lot of troubles. Imagine, what to do when someone in the family is sick? Paying your hospital bills could be worrisome and how would you send your children to school without an Educational Insurance?

Some people have different kinds of Insurance Plans to secure their life and that of their family. However, an insurance claim also provides negative feedbacks that discourages people from thinking of the necessity of acquiring an insurance Plan. Definitely, an Insurance Plan means benefits but somehow, claiming those benefits could be tedious and time-consuming. Insurance claims need not give us so much trouble if we just understand how Insurance companies work on our Insurance claims. So to fully understand issues and save us a lot of troubles claiming our insurance, let us take a look on this.

How to File Your 4 Important Insurance Claims

Filing your Auto Insurance Claim

1. Assess if the Claim is Worth the Trouble

Before filing for an auto insurance claim, decide if you want to file a claim or not. If you think you can afford to pay for the damage, no matter who is responsible for it, then try not to make any claim. What is important, according to a Personal Insurance Expert, you need to keep your Insurance Record clean.

2. Get the Accident Document

It is very important to document every detail of the accident and get witnesses to back up your story afterwards. A Police record on the scene is a relevant document you must have to support your claim.

3. File Claim Immediately

You don't need to lose time in filing your claim. Question as to who is responsible will be taken care of by your Insurance Company.

4. Expect a Call Anytime

Expect a call from the other driver's Insurance Company to interview you on your version of the incident. Make sure you document the conversation and don't forget to ask the agent's name.

5. Get Your Car Fixed

After your claim is approved, then you can have your car's body fixed in case of a damage. The Insurance Company will assess the damage or ask you to send your car to any car shop of their choice to get it fixed.

How to File Your Home Insurance Claim

In case of a disaster which left you and your family homeless, file your Home Insurance Claim. As you file your claim, be sure to have your Insurance Policy with you. In case you were not able to have your copy available after the disaster, at least know and remember your Insurance Company's name and contact numbers. It is not always relevant to remember only your agent's name for sometimes, he could represent various companies.

Prepare a Quick Household Inventory

It's always better to take a video of your whole household belongings every time you acquire a Home Insurance Plan. Keep a copy of this record and keep it in a safe-keeping vault outside of your house. It's always advisable to keep a bank deposit box for important documents like Insurance Policies, Property Title, etc.

Notify Your Insurance Company ASAP

It is important to notify your Insurance Company as soon as possible for the reason that you may have to avail of the Loss-of-Use Benefit in your policy if you have this feature. This could cover living expenses outside of your home while it is being repaired such as hotel bills, meals and other cost of living expenses. This will entitle you to receive immediate cash needed for your bills.

Start Filing Your Claim

You can't have your claim until you have everything properly documented. So, it would be hard for you to have a documented list of your household belongings if you don't have access to your damaged home. Only when you can gain access to your home once again could you properly document it. While you are waiting for the approval of the claim, you may make minor repairs but be sure to record every disbursement you make. Don't make any major repairs until your claim is approved.

How to Hire a Contractor for Insurance Claim

Find a reputable contractor to take care of your building or repair needs. A lot of contractors would always grab a chance like this to take advantage of your anxiety. They can always stretch your budget beyond the level of reasoning.

How to File a Life Insurance Claim

Filing for an Insurance Claim after the death of a loved is not really easy. However, it is at this point in life when you have to be practical. You need money more than anything to pay off the funeral cost, bills and even the family needs. It is hard to be left alone and face all these problems but you have to be thankful if the deceased love one had prepared you for times like this. As a survivor, we sometimes worry about things like these but a Life Insurance Plan is designed to give us less worries and ensures the deceased family that we won't have to deal with the financial problem as we grieved over the loss of a loved one.

Find the Life Insurance Policy

The Policy is an important document granted to the Policy Holder. This is badly needed when filing for an Insurance claim. Be sure to look for it if the deceased party had failed to inform you where he had kept it. You may keep in mind that this is a very important document, so the keeper might have kept it in a place not easily seen or recognizable. You may look in a plastic container or any sealed container large enough to contain it. It could also be kept in a small drawer of a cabinet in your head board or lamp stand cabinet.

If you can't find the Insurance Policy but you are sure that the decease is an Insurance Policy Holder, you may write to the American Council of Life Insurance (ACLI).For a small amount, the ACLI will conduct a search to find the Policy. The address is 101 Pennsylvania Avenue, NW, Washington, DC 20004-2500. Don't forget to include a self-addressed, business-sized envelope.

Contact the Company's Number Listed in the Policy

Try to contact immediately the contact number or numbers listed in the document. If you personally know the authorized representative or agent, you may as well contact him directly and tell him that you want to file a claim. The company's agent will always be ready to assist you in your filing. He will be providing you with forms needed for the application. Wait for any instruction that the Insurance Company will provide you.

Fill-up the Necessary Forms and Submit Requirements

After receiving the necessary form needed for application in filing for the Insurance claim, fill it up with all the needed information. Provide also the other requirements needed upon submission. The Death Certificate is the very basic of all requirements you may need to provide together with your Application Form. Decide How you want to Receive the Proceeds from the Life Policy. You may choose to receive the proceeds in lump sum, or opt to receive it in a form of monthly pension or simply leave the money in deposit for it to earn interest and dividends.

Wait for the Release of the Funds

Expect that your fund's approval for the claim will take more than a month to process as the Insurance Company still have to validate information relative to your application.

How to File Health for Medical Claims

If you have to pay for your medical bills, then you have to file for your Health Insurance Claim. Here are some helpful tips in making your claim:

Keep an Itemized Report

Be sure to obtain all receipts and necessary statement of accounts issued by the doctor or pharmacist. Summarize it, so it could be easily understood by the Insurance Evaluator. Attach it to your Application Form.

Fill-Up Your Claim Application Form

Contact your Health Insurance Company as soon as possible. You may get your Application Form directly from them after declaring your desire to file for a Health Insurance Claim. The Application Form is easy to fill-up but someone from the Insurance Company is sure to assist you if there are some items in the Application Form that you don't understand.

Scan or Duplicate a Copy

After filling up your form and submitting to the Health Insurance Company, be sure to scan it or have your duplicate copy to keep. This will keep you from inconvenience in case of loss or error in filing. You can easily file it again when needed. Review Before Submission. File your claim as soon as possible. Ask for assistance or inquire for any additional instruction or requirements. Ask how long it will take you to wait for the result and be sure to make a note of it in your calendar. If they failed to contact you on the given date, be sure to contact your Health Insurance Agent immediately.

Cancer Treatment Risks and After Effects

Fighting cancer and getting well is in itself a battle won! As you start a new phase of your life, understand the risks and side effects of the treatment that you had taken for the treatment. This will help you cope with any expected or unexpected side effects that you may observe at a later date. These side effects could be either physical side effects or social and emotional side effects.

Let us look at the most common side effects of cancer treatment so that you are well aware and can cope with them when they strike.

Fatigue

Cancer survivors most commonly complain about fatigue. This is generally due to the treatment medication and procedures used. They make you feel tired and no matter how much you sleep, you feel the fatigue. If you experience excessive fatigue make sure that you contact your doctor. You will be recommended some exercise and relaxation skills.

Secondary cancers

For all the cancer patients, there is always a possibility of the cancer re-occurring. There is also a possibility of patients developing secondary cancers. These can arise from the treatment of the original cancer.

Dental problems

Chemotherapy has a negative impact on teeth enamel. This introduces long term dental problems. High dose of radiation can change tooth development and develop gum diseases. Tooth decay and tooth loss are other common risks. Some serious side effects also include soreness or ulcers in the mouth.

Diabetes

Some of the high intensity drugs used in cancer treatments are known to cause the blood sugar levels to drop. It is however unclear whether this actually leads to diabetes. They are however at a higher risk of developing diabetes.

Hypothyroidism

Another important risk factor is the development of thyroid related ailments. The symptoms to look for include weight gain for hypothyroidism and constipation, dry skin and sensitivity to cold.

Learning and Memory

Learning and memory problems could be one of the after effects of cancer. The original cancer itself affects learning and memory skills.

Certain types of cancer treatments could damage the organs surrounding it. While surgically removing the cancer or by other therapies, there is a possibility of organ damage. This type of organ damage could have long term effects on the lives of patients post cancer treatments. For example, some cancer treatments are harmful for the heart. They cause heart failures. Symptoms to look out for are breathlessness, coughing and chest discomfort. Some drugs are also known to damage the lungs. Some chemotherapy drugs are known to damage the liver. Yet some others are known to damage the kidneys. If you observe any of these symptoms, make sure that you contact your doctor so that they can suggest remedies before the situation worsens.

After cancer treatment, pain is inevitable. So make sure that you understand all the side effects and how to handle them from your doctor. You will have a long list of do's and don'ts after the treatment. Follow them religiously for a better quality of life later.

Cancer Management, Symptom Control and Palliative Care

The most ideal treatment for cancer is the complete removal of the tumor without any damage to the rest of the body. Achieving such kind of cure with near zero adverse effects is possible with surgery; however there is always a chance that the cancer invades the adjacent tissues or it could also spread to distant sites in the body. This reduces the effectiveness of the surgery even if it was expertly performed. Chemotherapy and radiation therapy are known to have negative effects on the normal cells of the body.

There will never be a single cure for cancer. However, there are various treatments that are used in combination to provide patients with the highest degree of wellness possible. Today, there are plenty of treatments available for cancer. Surgery is a very popular treatment for 'local only' cancers. Localized tumors are easily removed with the help of surgery. Surgery is also used to control the symptoms such as spinal cord compression due to the presence of a large tumor etc. Surgery may be chosen as a treatment method either before or after chemotherapy or radiation therapy.

Radiation therapy is the use of ionizing radiation that helps kill the cancer cells. It is also used to shrink the tumors. The effects of the surgery are localized and limited to the area that the beam is targeted to. It damages the genetic material of the target tissues and restricts them from growing, dividing and spreading to other parts of the body.

Chemotherapy uses anticancer drugs to treat cancer. These drugs target all rapidly dividing cells and hence stop the cancer cells from dividing and spreading to other parts of the body. The side effect of this treatment is that it may also affect non cancer cells.

Targeted therapy, hormonal therapy and immunotherapy are some of the other forms of cancer treatments that help in cancer management.

Symptom control is important to restore the quality of life of cancer patients. It is an important factor to determine whether the patient is capable of undergoing other treatments.

It is important to reduce the pain, nausea and vomiting that is induced by chemotherapy. Other after effects such as diarrhea and hemorrhage need to be taken care of. Palliative care has hence become a popular specialty for cancer treatment.

The aim is to get the patient to be as comfortable as possible with the least amount of medication. Cancer related fatigue is a very common problem and plays an important role in a patient's quality of life.

Overall, most of the cancer treatments include procedures with some amount of side effects and it is of utmost importance to provide them with the right kind of care so that they can live a comfortable and near to normal life. After effects of any treatment cannot be avoided or eliminated entirely. However, pain control and other symptom control is an important part of providing cancer patients with quality services that make their treatment worthwhile.

How to Prevent and Fight Cancer Naturally With Holistic Nutrition

Research has proven that cancer has many different underlying factors such as free radical damage, genetics, diet and lifestyle. Having a family history may increase your risk of certain cancers but whether or not those genes are switched on or not may depend largely on your diet, lifestyle and environment. These critical yet often overlooked factors play a role not only in prevention but also in treatment and recovery from cancer.

Why has Conventional medicine alone failed in the war against cancer despite the tremendous resources and advances in the battle against cancer?

The truth is that cancer is a multi-factorial disease that requires a multi-factorial approach including medical, nutritional and lifestyle changes as well as mental, emotional and social support. Adopting a natural holistic nutrition approach to cancer can significantly reduce your risk for cancer and if you have cancer, it can provide you with the support you need to fight the disease.

You can prevent and fight cancer naturally with holistic nutrition. This natural approach to cancer helps in:

- Significantly reducing your risk for cancer

- Effectively changing the internal environment to prevent cancer formation

- Enhancing the effectiveness of as well as dealing with the side effects of conventional cancer treatments such as surgery, chemotherapy and radiation

- Boosting the immune system and lowering risk for recurrent tumors

- Significantly increasing the chances for partial or complete remissions

Before working as a registered holistic nutritionist and certified professional cancer coach and as a former medical doctor, I have seen so many cancer patients in my medical practice suffer from the unwanted side effects of conventional cancer treatments, and I believe many of these could be avoided or dealt with through a targeted natural holistic nutrition program that addresses diet, lifestyle and mental/emotional aspects.

5 Holistic nutrition tips to help you prevent and fight cancer naturally with holistic nutrition

1 - Eat a rainbow of fruits and vegetables

By selecting foods from different colors of the rainbow-red, orange, yellow, green, blue and purple-you give your body the full spectrum of cancer fighting compounds as well as nutrients for optimal function.

2 - Eat the right type of fats

A diet high in fat, particularly saturated fats from animal sources has been proven to be linked to numerous cancers. It is important to reduce you total fat intake while increasing your intake of omega 3 and monounsaturated fatty acids. Consider eating oily fish such as salmon and sardines, flaxseeds, chia seeds and using healthy fats such as olive oil and flaxseed oil.

3 - Eat cancer fighting foods

It has been scientifically proven that certain foods contain phytochemical compounds that have anticancer effects. These foods include broccoli, Brussels sprouts, cabbage, cauliflower, kale, onions, garlic, tomatoes, blueberries, strawberries, grapes, citrus fruits, soybeans, green tea and turmeric.

4 - Reduce intake of red meat

Meats contain a lot of saturated fat and potentially carcinogenic compounds including pesticide residues, heterocyclic amines and polycyclic aromatic hydrocarbons, which form when meat is fried, grilled or broiled. The level of amines are higher in well done and charred meat, so these are better avoided. Deli meats such as ham, hot dogs, bacon and jerky should also be avoided as they contain nitrate compounds which form carcinogenic nitrosamines in the body.

5 - Detoxify and alkalize your body

A high alkaline diet can potentially decrease one's risk of cancer or even help fight the disease because at a pH of 8.5, cancer cells can no longer survive. The best way to alkalize your body is through detoxification. Detoxification program works to alkalize your body and improve waste elimination by supporting your detox organs.

With extensive scientific references from the medical field that prove the validation of a holistic nutrition approach to cancer, there is no doubt that an integrative approach that combines conventional and holistic therapies is your solution for winning the battle against cancer.

Most conventional oncologists will embrace this approach to support medical treatments. Most importantly, adopting a holistic nutrition approach to prevent and fight cancer naturally, allows you to get empowered by taking healing into your own hands.

We are on a mission to spread the word on a holistic approach to fight cancer so please share this article with any one you know who can benefit from this information.

Cancer Is Not an Easy Way to Die

As science tries to find a solution for the treatment of cancer the number suffering from it is increasing. My sister recently died of the disease and watching her suffer was almost as painful for me as it was for her. But she smoked and the risk of contracting the elements to manifest a cancerous growth is high is you abuse your body with drugs of any type. In my case my spiritual link prevents me from touching them and it pulls me away from danger and any adverse substances.

It should be like that for most people but they fail to listen to their little voice within that normally leads and guides one towards peace and happiness. Seeing the lifestyles of those who succumb to the disease there are certain things that stand out. The first is they have no connection to the real God, the Spirit of the Universe. The second is that they have idols and false gods around them that angers the Spirit.

My sister was no exception. She loved things like dolls, fairies, Christmas, and other things that are about fake gods. She extended her passions to her grand-children in the same way. In other words she was a bad-example for others.

There are warnings about taking to false gods in the prophecies and in the first commandment God says not to do that. "I am your God and you must not have other gods before me." The question is how many take notice of this. Many dismiss it as old hat and no longer the case. The problem is that it is the same today as it was then and it will be the same always.

By not having love for the Spirit and by severing one's link to it and not listening to the little voice within then one will get a disease that is painful to bear and makes it hard to die. One has only to read what the Spirit laid down in the prophecies to get right with God. Many are then healed miraculously of cancer and other things that medicine cannot cure.

The anger of God manifests in what happens to us and to the world. The Mountain of God is now built in the top of the mountains and the truth is flowing from it to people everywhere.