![]() People who live this prayer discover how to strike a dynamic balance between acceptance and change. It speaks wisdom to addicts and non-addicts alike. The Serenity Prayer is a wide door, one that's open to people of all faiths and backgrounds. By focusing on those two factors, we can attain the final quality promised by the Serenity Prayer: courage. However, we can influence our feelings through what we can control-our thinking and our actions. The prayer instead points us to examine our inner life: We cannot directly control our feelings. And the vicious cycle continues until the addict accepts that there will always be external circumstances that we cannot change. Ironically, the need to control may also be a response to the unmanageability caused by their out-of-control use of drugs. This strategy, too, is doomed to failure.Īn alcoholic’s quest for absolute control can lead to misery, which may contribute to substance abuse problems. Second is the attempt to control feelings by medicating them with mood-altering chemicals. First is an attempt to control the behavior of others, a strategy that addicts cling to despite its repeated failure. What blocks some alcoholics and addicts from achieving serenity is their intense desire to achieve a sense of absolute control-one that is simply not possible for human beings. In the book Alcoholics Anonymous (published by AA World Services), Bill described the core trait of alcoholics as self-centeredness-something he called "self-will run riot." He further described the alcoholic as "an actor who wants to run the whole show is forever trying to arrange the lights, the ballet, the scenery and the rest of the players in his own way." Bill's solution: "First of all, we had to quit playing God." The prayer’s message about acceptance echoes insights from Bill W., cofounder of AA. ![]() The Serenity Prayer accurately expresses a central problem of addiction and prescribes a timeless solution. Living the Serenity Prayer in Recovery from Alcohol or Drug Addictionįor many, the first verse of the Serenity Prayer serves as a daily touchstone, reminding us that to achieve serenity, we must approach each moment with wisdom and courage. The Serenity Prayer spread both through Niebuhr’s sermons and church groups in the 1930s and 1940s, and was later adopted and popularized by Alcoholics Anonymous and other Twelve Step programs. There it was credited to American theologian Reinhold Niebuhr (1892-1971). Many AA members were first exposed to the prayer in 1948, when it was quoted in the Grapevine, an AA periodical. The Serenity Prayer has been variously attributed to an ancient Sanskrit text, Aristotle, St. The full Serenity Prayer text has stronger religious overtones.Īlso there are conflicting accounts of the prayer's origin. There are several versions of the Serenity Prayer, each with slightly different wording that support groups have adopted. And, although the origin is thought to be Christian, the Serenity Prayer is applicable to your daily life regardless of religion or spiritual belief system. The Serenity Prayer meshes perfectly with the spirituality of AA's Twelve Steps. In fact, these 25 words are heard in most every AA meeting and widely taken as a succinct statement of a path to sanity and sobriety. Members of Alcoholics Anonymous have enthusiastically embraced this prayer-known as the Serenity Prayer-almost from the moment they discovered it. ![]() AA, the Twelve Steps and the Serenity Prayer So that I may be reasonably happy in this lifeĪmen. The Full Serenity PrayerĪccepting hardships as the pathway to peace Below, we provide the full Serenity Prayer along with an examination of its history, meaning and importance so that we all might carry its lessons closely and transform common hardships into a calming surrender. The Serenity Prayer serves as a focal point for the very spirit of AA, anchoring its members to its quintessential teachings about surrender and acceptance. Although its origins are a bit unclear, its impacts are not. This often used AA prayer is an excerpt from a longer prayer commonly attributed to Reinhold Niebuhr. God grant me the Serenity to accept the things I cannot change, These simple words ring clear through the hearts and minds of Alcoholics Anonymous members across the world:
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![]() ![]() However, real drawdowns capture the effect of inflation on the purchasing power of stocks and bonds. Investors perceive nominal drawdowns in real time. Stock returns during these discrete bond drawdowns were usually positive and uncorrelated with bonds, providing diversification. The average bond drawdown across the bond drawdown events is -8%, with the largest (-15%) occurring during the current Post-COVID Inflation, which as noted may not be over. Importantly, bond returns during these equity drawdowns were almost always positive and uncorrelated (or negatively correlated) with stocks, providing diversification when it mattered most. The current Post-COVID Inflation drawdown is the least severe equity drawdown of the group, but it may not be over as of the writing of this article. The average equity drawdown across the equity drawdown events is -45%, with the largest (-83%) and longest drawdown occurring during the Great Depression. Each drawdown event begins from its unique prior peak value for either stocks or bonds. In Exhibit 2 we identify seven major equity drawdown events (top panel) and six major bond drawdown events (bottom panel) in reverse chronological order. stock market’s life (about 94% of the time) has been spent in a drawdown from the prior peak, suggesting that drawdowns are a normal part of the return-seeking process.ġ We use monthly total returns of the Ibbotson US Large Cap Stock and US Intermediate-Term Government Bond indexes to March 1994, then daily total returns on the S&P 500 and Bloomberg US Treasury indexes thereafter to capture more granular drawdowns when this higher-frequency data became available in Bloomberg. The graph shows that equity drawdowns have been far more severe and prevalent than bond drawdowns. 1Įxhibit 1 is a drawdown or “underwater” graph, where each new stock or bond peak value is reset to 0% to focus the eye on drawdowns. We survey a history of market drawdowns, first reviewing nominal stock and intermediate-term government bond drawdowns, then real (inflation-adjusted) stock and bond drawdowns from 1926 to June 2022. It manifests through time as stock-market and bond-market drawdowns, which are more intuitive (and painful) representations of risk. Standard deviation is a good summary risk measure for statisticians, but it is not intuitive to many investors. ![]() In addition to lower risk, bond returns were uncorrelated to stock returns (0.05), providing a diversification benefit. The higher return of stocks came with higher risk – a standard deviation of 18.6% versus just 4.4% for bonds. These returns compare to an inflation rate of 2.9% over that history. government bonds from January 1926 to June 2022. equities and 4.9% for intermediate-term U.S. ![]() The company's project was later reportedly shut down by the U.S. A wave of negative publicity ensued, with coverage on BuzzFeed News, CNBC, the BBC, and TechCrunch. At CES 2018, he broke the news about Kodak's "KashMiner" Bitcoin mining scheme with a viral tweet. Starting in 2015, Chris attended the Computer Electronics Show (CES) in Las Vegas for five years running. His work has even appeared on the front page of Reddit.Īrticles he's written have been used as a source for everything from books like Team Human by Douglas Rushkoff, media theory professor at the City University of New York's Queens College and CNN contributor, to university textbooks and even late-night TV shows like Comedy Central's with Chris Hardwick. His roundups of new features in Windows 10 updates have been called "the most detailed, useful Windows version previews of anyone on the web" and covered by prominent Windows journalists like Paul Thurrott and Mary Jo Foley on TWiT's Windows Weekly. Instructional tutorials he's written have been linked to by organizations like The New York Times, Wirecutter, Lifehacker, the BBC, CNET, Ars Technica, and John Gruber's Daring Fireball. The news he's broken has been covered by outlets like the BBC, The Verge, Slate, Gizmodo, Engadget, TechCrunch, Digital Trends, ZDNet, The Next Web, and Techmeme. Beyond the column, he wrote about everything from Windows to tech travel tips. ![]() He founded PCWorld's "World Beyond Windows" column, which covered the latest developments in open-source operating systems like Linux and Chrome OS. He also wrote the USA's most-saved article of 2021, according to Pocket.Ĭhris was a PCWorld columnist for two years. Beyond the web, his work has appeared in the print edition of The New York Times (September 9, 2019) and in PCWorld's print magazines, specifically in the August 2013 and July 2013 editions, where his story was on the cover. With over a decade of writing experience in the field of technology, Chris has written for a variety of publications including The New York Times, Reader's Digest, IDG's PCWorld, Digital Trends, and MakeUseOf. Chris has personally written over 2,000 articles that have been read more than one billion times-and that's just here at How-To Geek. Disk Drill has saved my butt in many situations and I want to thank you for that.Chris Hoffman is the former Editor-in-Chief of How-To Geek. ![]() All my files were found on a lost partition. I formatted the CF card in the camera and ran Disk Drill. Files were too corrupted to be imported in Adobe Premiere. Today your software saved me again on a corrupted CF card. Since then I have used your software many times, on drives that needed file recovery and on footage on memory cards that were accidentally formatted on set. It was amazing! I recovered a file that if lost would cost me 3 days of work. There are many options that available online, some of them don't work and some are too complicated to use. Having completely panicked in the middle of the night I searched online and came across your software. The first time I used it was when I was editing a documentary teaser and somehow lost my project file. Hi, I'm a video producer and editor and I have used your software for the past 6 years. ![]() Priority Pass members may also gain access when space is available, but the lounge often gets crowded. ![]() The Club at MCO is open to same-day passengers flying any class with the purchase of a one-day pass. airlines host airport lounges at MCO Airport, so you can find a place to escape the confusion of the airport no matter which terminal you’re flying from. Terminal A, Airside 1Īirport lounges at Orlando International Airport – relax before you flyĪll the major U.S. Follow this list of airlines to determine where you need to go. Terminal A houses Airside 1 and 2, and Terminal B is the home to Airside 3 and 4. Airlines flying out of Orlando International Airport (MCO) Keep your business trip serene and focused when you book a reliable Blacklane car service for Orlando International Airport to travel to the airport in comfort and style. Getting to and from Orlando International Airport shouldn’t be a hassle. ![]() With two terminals and four concourses, which Orlando International Airport calls “airsides,” the airport serves almost 50 million passengers per year, so having an airport map on hand can help you find what you’re looking for. During its decades as a commercial airport, MCO has grown exponentially in terms of the number of passengers served each year. Orlando International Airport’s IATA callsign, MCO Airport, dates back to its days as a military installation, the McCoy Air Force Base. Image credit: Javier_Art_Photography/iStock By staff writers / JA view of Lake Eola Park in downtown Orlando, Florida. What’s worse is they don’t even know there are other repayment options. The number one reason employees we help default is because they don’t have the money to pay. In those cases, many people believe their debt doesn’t need to be repaid since they never completed their education. Now, imagine that you didn’t graduate and earn a degree. Servicers can’t repossess your college degree the way banks can repossess your house and car, or they way credit card companies can seize property. Student loans are unique because you’re repaying on a debt for something that you’ve already received and can’t be taken away. It’s frustrating to spend thousands of dollars and years of your life earning a degree that you’re not using. Employees are mad with their college experience and that misguided anger keeps them from making payments. This is also what we call the “spite” reason for default. Some employees are not worried about the consequences of defaulting on student loan payments. Often these people are not concerned with building their credit history and would rather keep their money. Not surprising, some people know they have to pay and just don’t want to. A handful of borrowers compared to their student loan bills to medical bills, believing that the school was going to repay their balance in the same way insurance companies pick up some of the costs in a medical bill. Many people either don’t know the difference between grants and loans or don’t think that loans have to be repaid. Between receiving scholarships, grants, and loans some students are not even sure how their college was paid for. This excuse is more common than you think. Reason #5: “I Didn’t Think I Had to Repay It” For those who do apply, the process of getting loans forgiven can take a long time, resulting in default. Some employees don’t realize that they have to apply for forgiveness in the first place and stop paying. There is a student loan cancellation/forgiveness option known as the “ Borrower Defense to Repayment” for students that felt they were misled through a school’s confirmed misconduct. If you attended a fraudulent institution, you have the option to apply for loan forgiveness. Some employees have stopped paying because they believe their loans have been forgiven or consolidated. Other “debt consolidation,” companies ask for a smaller monthly payment to cover their bills but never work out an agreement with the servicer. The borrowers pay a fee up front and some companies even apply for forgiveness (even though it’s free to apply), but ultimately take the person’s money and do nothing. Some questionable companies ask borrowers for a fee and promise to have their loans forgiven. ![]() Unfortunately, student loan scams are just as prevalent as ever. Reason #7: “I Thought I Was Paying It/Thought it Was Paid” In these cases, employees haven’t been receiving their statements and don’t know that they needed to be repaying it. During these moves, physical mailing and email addresses change, and student loan servicers occasionally lose track of their borrowers. College students move back and forth between their parents’ house to their college address to eventually their own place. Leaving college is a transitional period for millions of young people. We (as well as our affiliate companies) have cured millions of students, ex-students, and graduates from delinquency and default by helping them into sustainable repayment plans. ![]() If you’ve never gone into default, it might be hard to imagine a person ignoring overdue statements and servicer phone calls for 9 months. It’s possible that your income or retirement benefits could even be garnished. ![]() Also, your student loan servicer will likely impose late fees or possibly even sue you through a collection agency. This could limit your ability to take out a loan, apply for a rental property, or even land a job. The missed payments will appear on your credit report and have a negative impact on your credit score. Missing one student loan payment makes you “delinquent.” If you don’t make a payment within 270 days, you will be considered “in default” on your student loans. Further data is needed on employment and earning, but based on the employees we work with, student loan default can happen to anyone. According to a recent report by Brookings, income alone cannot predict who will default on their student loans. ![]() It’s expected that 2 out of 5 student loan borrowers will be under default in the next five years. Even full-time employees default on their student loan payments. ![]() Every designer should follow the up-to-date fashion and make something new and original. Free Catholic Clip Art (959) Social Justice (3) Childrens Puzzles (42) Christmas (94) Easter Season (81) Events (152) General (818) Holy Bible (11). Filling the base with images, backgrounds and textures. 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Take a moment to browse through the complete listing of our clipart collection, which encompasses a wide range of categories including animals, plants, science, people, history, and much more.ClipArt are graphic elements used to create a design. We have organized thousands of incredibly cool Free Clipart images for your viewing pleasure. ![]() ![]() Nearby I-95 and I-195 provide easy access to downtown Miami, Miami International Airport and the greater Florida Area. ![]() Nearby cities include Miami Springs, Virginia Gardens, Coral Gables, West Miami, and El Portal. This community has a 1 Bed, 1 Bath, and is for rent for 1,797. Helios Apartments Miami Beach properties are close to major employers including Baptist Health South Florida, American Airlines, Mount Sinai Medical Center, Miami Childrens Hospital, Bank of America, Wells Fargo, University of Miami and the Miami-Dade County Public Schools. Helios Apartments Miami Beach is an apartment in Miami in zip code 33139. ![]() Residents have convenient, easy access to shopping, dining and entertainment at Shoppes of Il Villaggio, Fifth and Alton, Sunset Harbor Shops and Lincoln Center. Enjoy your morning coffee sitting outside on your private balcony overlooking Biscayne Bay. 4 symbols of the evangelists Brx 2400.1d Surian condo room for rent Edmar. Helios Apartments Miami Beach 1211 Alton Rd, Miami Beach, FL 33139 Flamingo 2. Helios Apartments Miami Beach is located at 1211 Alton Rd, Miami Beach, FL 33139 in the Flamingo Lummus neighborhood. Verdalle touscayrats cci Art walk miami 2014 calendar Kouji wada biggest. Find the best-rated Miami apartments for rent near Helios Apartments Miami Beach at. Resident Login Opens in a new tab Applicant Login Opens in a new tab. Ratings & reviews of Helios Apartments Miami Beach in Miami, FL. Schedule a tour today Skip to main content Toggle Navigation. We offer a variety of efficiencies, studios, 1-bedroom, 2-bedroom and 3-bedroom apartments for rent, many of which have been updated with modern features, including stainless steel appliances, wood-style plank flooring, quartz and granite countertops, new kitchen cabinetry and attractive lighting and plumbing fixtures. Helios Apartments Miami Beach offers Studio-2 bedroom rentals starting at 1,840/month. >View our available 2 - 1 apartments at Helios Apartments Miami Beach in Miami Beach, FL. Please see the specific locations listed here. Nearby I-95 and I-195 provide easy access to downtown Miami, Miami International Airport and the greater Florida Area.Helios Apartments Miami Beach is a collection of classic, pet-friendly Miami Beach apartment communities located in Miami Beach, South Beach (SoBe) and Bay Harbor Island. Search for apartments by city, neighborhood and number of bedrooms. Helios Apartments Miami Beach properties are close to major employers including Baptist Health South Florida, American Airlines, Mount Sinai Medical Center, Miami Childrens Hospital, Bank of America, Wells Fargo, University of Miami and the Miami-Dade County Public Schools. 653 Michigan Ave, Miami Beach, FL 33139-6056 is an apartment unit listed for rent at /mo. Residents have convenient, easy access to shopping, dining and entertainment at Shoppes of Il Villaggio, Fifth and Alton, Sunset Harbor Shops and Lincoln Center. We offer a variety of efficiencies, studios, 1-bedroom, 2-bedroom and 3-bedroom apartments for rent, many of which have been updated with modern features, including stainless steel appliances, wood-style plank flooring, quartz and granite countertops, new kitchen cabinetry and attractive lighting and plumbing fixtures. Resident Login Opens in a new tab Applicant Login Opens in a new tab. This is a review for a apartments business in Miami Beach, FL: 'Ive been a client of Helios Security since 2015 and I am very pleased with the quality of their services and their customer service Ive been upgrading my home security system and they have been great in advising the best options to feel safe and secure at home. Please see the specific locations listed here. Learn more about sustainability and living green at Helios Apartments Miami Beach in SoBe South Beach & Bay Harbor. Helios Apartments Miami Beach is a collection of classic, pet-friendly Miami Beach apartment communities located in Miami Beach, South Beach (SoBe) and Bay Harbor Island. ![]() While the NCAA transfer portal database is private, the On3 Network has streamlined the reporting process tracking player movement.If you find yourself asking, ‘How can I track transfer portal activity?’ our well-established network of reporters and contacts across college athletics keeps you up to speed in several ways, from articles written about players as they enter and exit the transfer portal or find their new destination, to our social media channels, to the On3 Transfer Portal. For more than 25 years, weve been banks that invest. As a company made in this area, for this area, Wintrust and its family of true community banks is dedicated to the unique neighborhoods each serves. Wynn is known for taking care of its guests, but our employees get Five Feb 25. In comparison, 1,833 Division I basketball players entered the portal during the 2020-21 cycle after totals of 1,020 in 2019-20 and 1,063 in 2018-19. The experts at Wintrust Wealth Management have the experience to help guide you towards solutions that will help you meet your long-term goals. Wire, Strutt, CardHoward, Wodehouse, Wake. That comes after 1,681 entered during the 2019-20 cycle and 1,709 during the abbreviated 2018-19 cycle. Handcock, Frances Wynn, Hamilton Duncan, sen, Spearman, Mackintosh of. During the 2020-21 cycle, 2,626 FBS football players entered the transfer portal (including walk-ons). For example, the 2021-22 cycle started Aug. 15, 2018 and the new calendar cycle within the portal begins each August. ![]() Residents acquire substantial knowledge required for skillful problem solving, refine their problem-solving strategies, strengthen their professional values and attitudes, and advance the growth of their clinical judgment. Pharmacy residents are provided the opportunity to accelerate their growth beyond entry-level professional competence in patient-centered care, pharmacy operational services, and leadership skills that can be applied in any position and in any practice setting. Longitudinal clinic experiences include hypertension, hyperlipidemia, pain management, heart failure, emergency medicine, neurology, rheumatology, hematology/oncology, polypharmacy/transitions of care, geriatrics, HIV, and Hepatitis C. Clinical pharmacy specialists contribute to clinical services throughout the medical center and provide a wide variety of clinical pharmacy experiences including medical ICU, surgical ICU, cardiology ICU, nutrition support, internal medicine, geriatrics, palliative care, spinal cord injury, hematology/oncology, emergency medicine, practice management, pharmacoeconomics, psychiatry, primary care and home based primary care. Pharmacy residency training programs at the Memphis VA Medical Center have allowed residents to train at an advanced level of practice in a progressive pharmacy environment. ![]() The program was first accredited in 1963 and over 260 residents have completed training. The Memphis VA Medical Center long-standing tradition of providing clinical pharmacy services to the medical center and training highly qualified pharmacy residents. Services are available to more than 196,000 veterans living in a 53-county tristate area (Tennessee, Arkansas, and Mississippi). Specialized outpatient services are provided through general, specialty, and subspecialty outpatient clinics including a women's health center. Comprehensive health care is provided through primary, secondary, and tertiary care, in areas of medicine, surgery, psychiatry, physical medicine and rehabilitation, spinal cord injury, neurology, oncology, dentistry, and geriatrics. ![]() The Memphis VA Medical Center is a teaching hospital, providing a full range of patient care services, state-of-the-art technology and many educational and research opportunities. It has also never been breached, it provides better customer support, and its plan for single users is slightly cheaper.ġPassword has several security extras that LastPass doesn’t, like: It provides more high-security features, it’s easier to use, and it has a better family plan than LastPass. 1Password - Best Alternative to LastPass in 2023ġPassword is better than LastPass in a lot of areas. Comparison of the Best LastPass Alternatives.Bitwarden - More functional free plan (unlimited passwords on unlimited devices). 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What’s more, in December 2022, LastPass announced it had suffered a major data breach where customer data was exposed. Because of this change, a lot of our readers are curious - should they upgrade to LastPass Premium or just switch to another password manager? Instead of being able to access LastPass on all devices, free users now have to choose whether they want to use LastPass only on mobile (Android/iOS phones, tablets, and smart watches) or only on desktops (PCs, Macs, and Windows tablets). LastPass recently made a pretty radical change to its free plan. Try the best LastPass alternative now (1Password).It’s also easier to use and offers more comprehensive customer support. □ 1Password - Better security features, better extras, and a better family plan.Short on time? Here’s the best LastPass alternative in 2023: |
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