November 2022 Edition

ENGLISH SPECIAL EDITION - ONLINE DIGITAL - NOVEMBER 2022

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Day, is a holiTdayhanksgiving celebrated mainly in the

1620.

The following year, after bad harvests and a harsh winter, the colonists had a good corn harvest in the summer of 1621 .

United States, Canada and the Caribbean islands, observed as a day of gratitude to God, with prayers and feasts, for the good events that took place during the year.

By order of the governor of the village, in honor of the progress of this vintage in previous years, the feast was scheduled in the early autumn of 1621 .

HISTORY The first, Thanksgiving was celebrated on the fourth Thursday of November in the New England region in the form of Christian festivals in thanksgiving for the year's good harvests.

For this reason, Thanksgiving is celebrated in the autumn (northern hemisphere), after the harvest has been gathered.

The first Thanksgiving was celebrated in Plymouth, Massachusetts, by the settlers who founded the village in

The first Thanksgiving was celebrated in Plymouth, Massachusetts, by the settlers who founded the village in 1620.

Plymouth men killed ducks and turkeys. Other foods that were part of the menu were fish and corn. About ninety Indians would have participated in the festival. Everyone ate outside at large tables.

THE HOLIDAY IN THE UNITED STATES For many years, Thanksgiving was not instituted as a national holiday, being observed as CONTINUES ON PAGE 3

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in only certain states, such as New York , Massachusetts , and Virginia . In 1863 , thenPresident of the United States , Abraham Lincoln , declared that the fourth Thursday in November would be National Thanksgiving Day. But in 1939 , President Franklin Delano Roosevelt instituted that this day would be celebrated in the third week of November, in order to help commerce by increasing the time available for advertising and shopping before Christmas (at the time, it was considered inappropriate for advertising products at sale before Thanksgiving).

ally a day when people use their free time to be with their family, having large gatherings and family dinners.

in 1939, President Franklin Roosevelt instituted that Thanksgiving would be celebrated in the third week of November.

THANKSGIVING PARADE IN NEW YORK In both the United States and Canada, Thanksgiving is usu-

Thanksgiving Day is celebrated with large parades and also in the United States, with the holding of American football games .

The main dish on Thanksgiving is usually turkey, which gives Thanksgiving the nickname "Turkey Day".

In addition, cookies are also very traditional on that date.

In 1967, there was a Thanksgiving massacre during a demonstration, and in 1969, indigenous people occupied Alcatraz prison on this date.

Because Roosevelt's declaration was not mandatory, 23 states adopted the measure instituted by Roosevelt and 22 did not, with the remainder taking both Thursdays (the third and fourth weeks of November) as Thanksgiving.

The United States Congress, to resolve this impasse, then instituted that Thanksgiving would definitely be celebrated on Thursday of the fourth week of November and that it would be a national holiday.

It is also a day when many people dedicate their time to religious thoughts, prayers, and Masses.

The Macy's Thanksgiving Day Parade is an annual parade celebrating Thanksgiving featuring everyone's favorite balloons.

The Macy's Thanksgiving Day Parade is an annual parade celebrating Thanksgiving featuring everyone's favorite balloons - Snoopy, Goku from "Dragon Ball" and the Godfather from the DreamWorks movie.

The 96th Annual Macy's Thanksgiving Day Parade is set to be held on November 24th, 2022 in New York City, and will be shown to viewers live on NBC that same day from 9 a.m. to 12 noon EST. ◙

Source: Wikipedia

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sional who has access to all the homes that are for sale in your state, you will be able to find the home of your dreams. When you find it, a simple process begins.

When your offer is accepted and signed by the seller it becomes a purchase and sale contract. This contract will be forwarded to the buyer's attorney, who will review the contract for a period of 3 days.

Marly Vasconcellos Sales Associate

e can see that historiW cally the lands of New Jersey

and other states in the United States were violently disputed with clashes between Native Indians and European explorers.

With the invasion of Europeans in American lands, and their contact with Europeans came contagious diseases, such as smallpox, killing thousands of Americans, leaving them at a disadvantage in the fight for their lands.

With this disadvantage in relation to the Europeans, they were forced to trade their lands at low prices and often even without any cost.

Through a licensed professional who has access to all the homes that are for sale in your state, you will be able to find the home of your dreams. in the United States. In a state of tensions and fear, the division of lands and properties begins.

and property ownership were formed, reaching what we now call Real Estate. And now this system is very facilitated and practical.

The latter will contact the seller's attorney and agree on conflicting clauses in the contract. After all the necessary negotiations and when all the clauses satisfy both parties, then what we call the “Attorney Review” period, which is these 3 days of contract review, ends.

And then the inspection phase begins, which can last from 10 to 14 days. The buyer has the right to hire a private inspector to inspect the house and detect any problems. This report is introduced to the owner and the buyer will be able to order needed changes.

So begins the story of buying And throughout history a and selling land and property whole system of laws for land Through a licensed profes- The seller has the right to ful-

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The entry of the financing will be taken by the buyer with a certified check. Funding papers will be signed and title papers as well.

If the house is being sold “as is” then the buyer will not be able to request any type of renovation. You will have to buy the house as is.

After the inspection and having the seller and buyer come to an agreement then the financing process begins.

A bank or mortgage company agent will enter all the requested papers and the underwriter will review them and issue the mortgage approval But the underwriter can still ask for more documents. This process takes from 30 to 60 days, depending on the buyer's request to respond to the bank's demands.

THE CERTIFICATE OF OCCUPANCY During this period, the transfer of names in the title of the property is also requested.

A security company will arrange for the issuance of this new security. When the funding is fully approved, the

A representative of the title company will be present, leading the process. All papers signed and completed so the buyer will immediately receive the keys to their dream home and be able to move in and take possession of their new home.

And the professionals involved will have fulfilled their missions in this process, which is: to guide, lead and represent your client in the best possible way and make dreams that seem impossible, POSSIBLE. Yes, the dream of your own home is perfectly possible if it is guided in the best possible way. Look for a qualified realtor near the area you want your home and achieve your dream.

FINANCING

When the “commitment letter”, which is the bank's approval for the financing, is already presented, the city, by the buyer or seller, (depends on the agreement between the two) is requested to inspect.

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title prepared for transfer of names and the city inspection completed and approved then we usually have the closing day carried out in one of the offices of the lawyers, the seller or the buyer.

fill or not fulfill the buyer's orders. And the latter has the right to cancel the contract if its demands are not met. Or you can continue the purchase process even if you have not been answered.

After the inspection and having the seller and buyer come to an agreement then the financing process begins. The agent of a bank or mortgage company will enter all the requested papers and the underwriter will review them and issue approval for the mortgage.

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Good luck! ◙

Yes, the dream of your own home is perfectly possible if it is guided in the best possible way.

Look for a qualified realtor near the area you want your home and achieve your dream.

Marly Vasconcellos Sales Associate

351 Jersey Avenue Elizabeth, NJ 07202 OFFICE: 908.558.2727 FAX: 908.558.0557 CELL: 908.937.4165 marlyvasc2@gmail.com

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feeling from a physical point of view.

Looking from another angle, they observed that everyone who felt more prosperous also said they felt happier.

In doing so, they sought to understand the link between prosperity and happiness.

Hever Wilson

Financial Advisor Specialist

the magic formula of prosperity continues.

So, they don't care if people are happier thanks to love or money, but what happens in the body when joy is triggered and how to "force" the feeling.

Many artists, philosophers and thinkers have devoted their time to defining what can be represented as prosperity. However, a few decades ago, some endocrinologists and neuroscientists joined in the same purpose.

They then discovered that there are four natural substances in our bodies that we can define by different names and even as “prosperity hormones”, which are endorphins, dopamine, serotonin, and oxytocin.

enturies and centuries haC ve passed and the search for

The objective is to study whether the feeling of prosperity is a biological process and what can trigger such a

Endocrinologists observed that everyone who felt more prosperous also said they felt happier.

However, the imbalance of these substances has negative consequences for health and well-being, such as inCONTINUES ON PAGE 7

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somnia, stress, weight gain and bad mood.

In addition, the absence of these substances is also related to diseases such as depression and Parkinson's.

People with low dopamine levels end up working without purpose and with little enthusiasm to set goals and targets.

There are several ways to activate these natural hormones in our bodies without the need for drugs or substances that are harmful to our body.

Endorphins are consid-

Along with regular exercise, laughter is one of the easiest ways to induce the release of endorphins.

Encouraging a sense of humor during work hours and finding lots of things to laugh about throughout the day is a great way to avoid emotional or mental imbalances.

Encouraging a sense of humor during work hours and finding lots of things to laugh about throughout the day is a great way to avoid emotional or mental imbalances.

One thing to keep in mind, using aromatherapy: The smell of vanilla and lavender has been linked to the production of endorphins.

Dopamine acts on motor

control, cognition, compensation, pleasure, mood, and some endocrine functions.

It is stimulated in the reward cycle, stimulating our brain to complete tasks, it is triggered when a goal is given and when it is accomplished.

Therefore, it is advisable to break big goals into small tasks, in this way, not just celebrate once the final goal has been achieved; thus, allowing our brain to create a series of small triumphs with the consequent release of dopamine.

And it's crucial to celebrate every time you hit a small goal. This ensures a continuous stream of dopamine releases.

Serotonin travels through your bloodstream when you feel important.

In the last four decades much has been studied how to manipulate the serotonergic system and these studies have led to significant advances in the treatment of depression.

It seems little, but depression, according to the World Health Organization (WHO), has been the main cause of disability in the world and affects more than 300 million people.

Studies have shown that dark chocolate and spicy foods can trigger the release of endorphins in the brain.

Keep some fragrant oils and some dark chocolate on your desk for a spontaneous endorphin rush.

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This hormone is often described as responsible for feelings like love and lust, but it is also accused of being responsible for addictions.

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ered the body's morphine, a kind of natural analgesic, decreasing joint and muscle pain, its release brings a feeling of comfort and well-being in addition to improving the state of mood and joy.

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Our brain has a hard time differentiating what is real and what is imagined, which produces serotonin in both cases.

Dopamine is often described as responsible for fee-lings like love and lust, but it is also accused of being responsible for addictions.

If you need a serotonin boost during a stressful day, take a few moments to reflect on your past accomplishments and achieved goals. Getting out in the sun for 20 minutes to allow our skin to absorb UV rays, which promote the production of vitamin D and serotonin, is a good recipe.

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not good for you, some daily exposure is healthy for boosting serotonin levels.

build healthy relationships.

Often referred to as the hug hormone, this is a simple way to keep oxytocin flowing.

Finally, oxytocin is related to the development of maternal behaviors and attachments. Oxytocin is often dubbed the “emotional bonding hormone” and “hug hormone” as oxytocin is released when we are in the presence of people that we have affective bonds.

It is believed that it also has a function of improving libido, acting together with testosterone in men and progesterone in women.

It is released by men and women during orgasm and by mothers during childbirth and lactation.

According to studies done on men in monogamous relationships, oxytocin increases fidelity.

Growing oxytocin is essential for creating strong emotional bonds and improving social interactions.

Create intimacy, trust, and

In short, during all my professional experience, training people from different professional careers, I could observe that people only achieve prosperity, in fact, if they can be happy in their tasks and with defined purposes.

Serotonin travels through your bloodstream when you feel important. In the last four decades much has been studied how to manipulate the serotonergic system and these studies have led to significant advances in the treatment of depression. oxytocin is related to the development of maternal behaviors and attachments and is often dubbed the “emotional bonding hormone” and “hug hormone”.

For this, the emotional of the individual needs to be in harmony with the other areas, because otherwise there is no happy human being, much less prosperous.

Therefore, knowing how to activate these hormones, first in ourselves and then in our collaborators, will be a fundamental key that will open doors to a feeling of success and prosperity.

In other articles I will bring examples of successful cases that changed their destiny by simply activating the hormones of prosperity at the right time.

May God bless us all! ◙

Hever Wilson Financial Advisor Specialist (Licensed NY, NJ, MD, TX. and FL)

E-mail: infopbs. usa@gmail.com Website: www. pbsfinancials.com Phone: 917 773 7822

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Journalist Arilda Costa McClive interview with Ebe Becker y interview today is with M "Mineira" Ebe Becker. She

has been living in New York for almost 20 years and has an interesting story to tell.

Arilda Costa McClive Journalist

Matutina is a Brazilian municipality located in the northwest of the state of Minas Gerais. Its population as of 2020 was 3,741 people living in a total area of 260 km². The city belongs to the mesoregion of Triângulo Mineiro e Alto Paranaiba and to the microregion of Patos de Minas. It became a municipality in 1953.

- Ebe, what is your place of origin in Brazil - state, city and how long have you been living in the United States?

EBE: I was born in Matutina, MG, where I left at the age of eight months to go to São Gotardo, where I lived until the age of 18. I've been living in NY for 19 years.

I feel really privileged to work here in NY.

- Did you move directly to New York? ing for the subway at Line Six who are still back in the counEBE: Yes, I came to learn Eng- Station, heading to NYU on try, the more difficult this process becomes. my first day of school! lish.

- How was this changing of - Tell us a little about your adcountries for you? Was it aptation process? planned or did it just hapEBE: I think the adaptation pened in your life? process is a dynamic thing. It EBE: In my plans I would have always happens while you are stayed in NY for six months to living outside your country. improve my English. I never dreamed of living in the Unit- I believe that the more you ed States, not for this long, compare your reality with anyway. It happened because that of your family, your I met my husband, while wait- friends, or people you know

I also see that the more connected you are with them, with the typical things of your country, the more barriers will present themselves to your daily life and/or adaptation. It is of the essence to accept that it is really impossible to have all your family and all your friends with you in another country where you alone chose to live.

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Pay close attention to this detail!

- What do you like most about the professional and personal side living here in the USA? EBE: I find the technological support on the professional side very interesting, with fast, safe, reliable and efficient access.

On the personal side, I really like the security, freedom and especially cultural activities available. I certainly understand that this doesn't happen across the country, but we're talking about New York.

- You are a real estate agent in one of the biggest and most important cities in the world, tell us a little about this experience.

EBE: I feel really privileged to work here in NY. Certainly, the opportunity to experience the diversity that the city offers us is really a super enriching experience. I believe the work itself is the same.

At the end of the story what really makes a difference is interpersonal knowledge.

The ability to know how to listen, ask questions, understand, and put yourself in the other person's shoes fits well anywhere in the world.

- Tell us a little about your work.

EBE: I started my career as a furniture broker in Brasilia. Where, I also majored in physical therapy. I really like working with both sides.

However, in New York, I work only in real estate.

When the client contacts me, usually through a friend or someone who knows me, he knows he has support in all areas of life in New York.

I really am their point of ref-

having experiences.

My best memory from Brazil: Go up to the foot of a "Jaboticaba" tree and stay there for hours! erence for any aspect of the EBE: Definitely keep doing rest of their life in NY. what I'm already doing! Smiling, exercising, living. The - You work a lot with the Bra- lightness, and filling the heart zilian community. What in- with gratitude is so necessary spires you the most to make a to live life. difference and help Brazilians in New York?

- An advice you would give in these times of quarantine?

EBE: Yes, I work a lot with the Brazilian community with EBE: Discover what is most great pleasure. What inspires important in life and fill all me the most to make a differ- your moments with it. I say ence in the lives of Brazilians this because a mind full in New York is really the com- of positive and productive fort I feel in the people who things will not give room for contact me, especially people the opposite. who don't live here.

- From Brazil, what are your You know that moment when best memories? a person breathes a sigh of relief and says, “Now I under- EBE: Go up to the foot of a stand. Thank you so much for "Jaboticaba" tree and stay helping me understand the there for hours!

System”, this is priceless.

- One of the unforgettable - We are living in times of a experiences you have lived pandemic and uncertainties, here? what do you advise people EBE: Aside from meeting with who are going through this my husband, this really is my problem? best experience here, one EBE: Exactly what I tell myself day I left a bag with imporin the mirror in the morning; tant belongings hanging on this too will pass and if you a chair where I was sitting on choose to live other moments the sidewalk of a restaurant.

Three hours later I realized you need to stay strong. that I had lost my bag. It was - What impressed you most handed to the restaurant's during this period? cashier with everything inside, the same way I left it.

EBE: How fragile we are and how we resist what is new - In all these years in America, without even asking a simple what were the most imporquestion, 'what else is pos- tant lessons? sible to achieve now?'

EBE: That you live your choic- What are your plans for es and that they must be when this pandemic passes? made many times without

- An important reference in your life?

EBE: My family!

- Are you currently living your "American dream”, or do you have more projects in the drawer?

EBE: Wordless… millions of projects… my mind never stops!

- Do you have any advice for those who want to try life in the US? EBE: I would ask questions (laughs)... what is really the most important thing in your life? Could you live with only yourself? I mean in all aspects, financial and emotional.

Can you confidently answer these questions? In other words, ask yourself these questions before you make the choice.

- Name three things that are still on your wish list.

EBE: Discover the world! Visit the world! Live in the world!

Create wings! Use them!

- What is your mantra Ebe? EBE: What are my options?

- Do you have plans to live in Brazil again?

EBE: Not for now….my plans are to be able to go to Brazil more often.

- How would you like to be remembered in the future?

EBE: Lightness Facilitator! Be light, live lightly, emit lightness, overflow lightness and exhale lightness!

- Thank you very much and good luck to you!

EBE: I appreciate the opportunity to be able to express some of my thoughts here! ◙

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“When I stopped seeing my mother with the eyes of a child, I met the woman who helped me to give birth to myself.” Nancy Friday

Viviane R. Wilkens

LPC, ACS, Psychotherapist Founder of Sol Vida Counseling

having experienced Ttheoday, joys and challenges of

being a mother, I begin to have new thoughts about the one who gave birth to me. The idea of giving birth brings with it a profound intention, among others, that our path would be illuminated, and our intense love would pave the journey, making it perfect.

In our culture, we are taught that our mother will give her body and soul in the care of our survival, at the moment we are born, this poor woman must abdicate her dreams, desires, and finally, her life to us. We must be cared and provided for, protected, and loved at any cost; her existence is justified in ours.

Certainly, this is an old contract, developed, perpetuated, and enforced by our patriarchs, through genera-

As I write I ask God to give my child the kindness and wisdom so that she understands my short comings and forgives my limitations tions and the ages, and we, the children, sign it and demand it with great vigor and pleasure.

not our fault that we did not receive the love the way we needed. Surely if our parents knew how to love us exactly so, that emotional pain, But this agreement is not al- would not exist... ways able to be maintained...

Friday, an old writer already Hence our suffering origiasked, "Please, Mom, don't nates, our essence begins dego down from the pedestal I veloping with the belief that there is something wrong put you on." with us, because our parents, most especially our mother, did not love us the way we needed her to.

We assume the blame and believe that the fault is ours.

Around that time, we do not know how to reason, how to verbalize or how to defend ourselves. We are too young to understand that our parents have their own limitations, thus making it impossible to realize that original promise and the complete fulfillment of our existence.

Some of us arrive in adulthood and learn that it was

entrusted to my care, in an unconditional and limitless way; and for being a daughter I understand that this feeling does not raise me up to perfection, and unfortunately, I will also fail at times, thus causing suffering in this being who I love with madness, my daughter.

As I write I ask God to give my child kindness and wisdom to understand my short comings and forgives my limitations, and if so, I will know that my work as a mother has been well done and then I will feel fulfilled as a mother and as a woman.

... And when that old pain revisits me, making me question who I am, I will remember the psychologist Yalom's words: "Give up having a perIt is with great suffering that fect past." we find that our mother is not everything we imagined... Then I will thank God because But if we gave her freedom all these experiences make of speech and of being, she me a better human being, might have asked: “But who able to feel and understand decided to elevate me to such the pain of others... heights? A place impossible ... And to my mother, what for one to remain at? Who else can I say? It is all right; motivated this fantasy that you did your best!

I, by giving birth, would turn myself instantly into this per- It worked; I am here! Now fect being, capable of total I understand and I forgive love, sensitivity, and surren- you... der?”

I am your legacy. Thank you Today, after becoming a moth- so much for loving me like er, I know that I love my child, you did, in your own unique this little being who God has way… ◙

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perish." Matthew 18:10-14.

“My brothers and sisters, if one of you should wander from the truth and someone should bring that person back, remember this: Whoever turns a sinner from the error of their way will save them from death and cover over a multitude of sins."

James 5:19-20.

Josimar Salum

The Father's heart means to convert those who have strayed from the truth.

The

saved community is merciful, more forgiving than condemning, and exceptionally welcoming.

“If your brother sins, go and point out his fault, just between the two of you. If he listens to you, you have won him over." Matthew 18:15 This is the purpose for you to seek out your brother who has sinned against you, so that you may win your brother.

“If your brother sins, go and point out his fault, just between the two of you.

If he listens to you, you have won him over."

Matthew 18:15

In what context did Jesus say If a man owns a hundred these words? sheep, and one of them wan“See that you do not despise ders away, will he not leave one of these little ones. For I the ninety-nine on the hills tell you that their angels in and go to look for the one heaven always see the face of that wandered off? my Father in heaven. “What do you think?

And if he finds it, truly I tell

“I urge, then, first of all, that petitions, prayers, intercession and thanksgiving be made for all people— This is good, and pleases God our Savior, who wants all people to be saved and to come to a knowledge of the truth."

1 Timothy 2:1, 3-4.

When an presbyter sins the Holy Spirit teaches that he is to be rebuked in the presence of all. By who?

The presbyters. So that the other presbyters may also you, he is happier about that have fear. It's not in the presone sheep than about the ence of everyone, of the ninety-nine that did not wan- church. der off.

Any conclusion that leads to In the same way your Father saying that it is before the in heaven is not willing that church is not supported by any of these little ones should the text.

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of those who leave the church wounded.

The hermeneutically analyzed text easily determines that these are presbyters and not the whole church.

“Above all, love each other deeply, because love covers over a multitude of sins." 1 Peter 4:8

“The presbyters who direct the affairs of the church well are worthy of double honor (double salary), especially those whose work is preaching and teaching.

What is this love that covers or forgives a multitude of sins?

For Scripture says, “Do not muzzle an ox while it is treading out the grain,” and “The worker deserves his wages.”

Do not entertain an accusation against an presbyter unless it is brought by two or three witnesses. But those presbyters who are sinning you are to reprove before everyone, so that the others may take warning." 1 Timothy 5:17-20.

I have watched young men and women being pushed out of the church and I know of many sons and daughters of pastors who have left the Church because of reproofs and harsh disciplines that are not supported by the Bible.

Many were disciplined while many wrong behaviors in the church were tolerated.

If your son or daughter, if your brother or sister has sinned, has committed what is sinful, he must be treated with great love so that he will come to repent and be forgiven, so that he will be restored.

The church became an environment of partiality, hypocrisy and judgment that helped to hurt so many lives that today walk away, because the Love that heals and restores was lacking.

If your son or daughter, if your brother or sister has sinned, has committed what is sinful, he must be treated with great love so that he will come to repent and be forgiven, so that he will be restored.

The willingness of many to deal with the sin of the brethren with severe discipline, without compassion and mercy only adds to the ranks

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We sympathize with the wicked, immersed in the vilest behavior and we accept them in the community of saints because they professed Jesus, but we harden with those who are brothers and sisters and treat them with rigor when they commit sins.

At no time should we agree with the sin and error of those who have not repented and do not want to repent.

We must not accept into the bosom of the church one who has not heard the admonition and wants to continue his wrong path.

“If they still refuse to listen, tell it to the church; and if they refuse to listen even to the church, treat them as you would a pagan or a tax collector." Matthew 18:17 But what scares me is to have seen people like these being disciplined with joy and celebration as if such discipline was an act of purification for God. The Father's heart for those who are lost remains full of mercy and love.

The Father's heart for those who are lost remains full of mercy and love.

The command of the Holy Spirit is to love one another ardently which will lead us to seek the sinner's restoration and not his condemnation.

This love is what covers a multitude of sins. ◙

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who relies on your ability to provide for them financially, including aging parents or a spouse who doesn't work outside the home.

Even if your spouse has a full or part-time job, consider what would happen if the income you bring in was permanently lost.

Carine de Oliveira Agent

Would he or she be able to handle all living expenses — including large bills like mortgage payments? Would he or she be able to continue paying off any debts you share?

You may think you don't need to worry about life insurance until, or if, you have children. After all, there's no one who relies on you to feed, clothe, and educate them.

Remaining uninsured, however, could prove to be a big financial mistake, even without dependents. Here's why.

Life insurance can shield your surviving loved ones from financial hardships they may face if you pass away unexpectedly.

This could apply to anyone

Life insurance can shield your surviving loved ones from financial hardships they may face if you pass away unexpectedly.

Many partners would not be able to cover the expenses of their current lifestyles without two incomes. So, considering life insurance to each other is a critical financial planning step.

If you decide to look into life insurance, you will have to decide how much you and your spouse need to protect each other.

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termine how much coverage you will need. One method is to multiply your salary by five or 10.2 This may make the most sense, however, when you have minor dependents who will need financial help to see them through college and early adulthood.

and special requests.

It should contain a healthcare directive with a power of attorney appointing a trusted person to make medical decisions for you when you can no longer voice your opinion, and a durable power of attorney appointing a trusted friend or relative to make financial and legal decisions for you, if you become incapacitated.

If you and your partner simply want to protect each other, you may need coverage that will cover only one to two years of expenses.

It may also contain a trust or trusts for passing on assets to your beneficiaries. Life insurance can be an important component in the overall estate plan.

Perhaps the most accurate way to measure how much you will require is to consider the amount your surviving would need to handle his or her actual financial needs, whether it's paying off the mortgage, satisfying debts, or providing care to aging parents.

You should update your estate plan whenever a major change occurs in your life, such as purchasing a home, moving in with a significant other, getting married, having, or adopting a baby, selling your business, getting a divorce, retiring, or having a beneficiary die before you do.

Life insurance can provide you with peace of mind and the knowledge that your surviving loved ones won’t face serious financial hardship after you're gone.

ESTATE PLANNING FOR YOU AND YOUR FAMILY. An estate plan is not just for high-net-worth individuals, it’s for everyone who is single, has a spouse, has a partner, has dependents, owns a business, has investments, has retirement funds, owns property, or has material possessions of value such as a car.

An estate plan may reduce estate taxes and shield your beneficiaries from having to go through probate. It means your last wishes will be heard.

You can name a guardian for any young children and can even direct how you wish a beloved pet to be cared for after you are gone.

Review your plan when federal and state laws on estate taxes change.

Life insurance can provide you with peace of mind and the knowledge that your surviving loved ones won’t face serious financial hardship after you're gone.

Having an estate plan can also prevent a mess by bringing clarity to your beneficiaries, and it can protect assets from unforeseen creditors.

The estate plan may contain a

If you should die without a will (which is called “intestate”), the state and federal governments will have standard procedures for distributing your assets, and they may not be in line with your wishes.

Your beneficiaries may have to pay more in estate taxes, and probate may take considerably longer than it would if you had a will in place.

Consult a professional financial advisor on tax and estate will or living trust, the names planning. of your beneficiaries, the appointment of an executor, Trusts can be complicated to a letter of intent that tells a set up, so consult a profesbeneficiary or executor what sional trusts and estates atyou wish to be done with spe- torney or certified public accific assets, funeral details, count before you begin. ◙

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build healthy relationships of their own. This is why it’s worth maintaining and improving the relationships you share with your children and other family members.

There are plenty of simple things you can do to develop positive family relationships.

Positive family relationships are an important part of strong families. Strong families grow from love, security, communication, connection – and a few rules and routines too.

and positive famSilytrong relationships are enjoy-

able for their own sake – it just feels good to be part of a warm and loving family.

But positive family relationships are important for lots of other reasons too. They help children feel secure and loved, which gives them confidence to explore their world, try new things and learn, make it easier for your family to solve problems, resolve conflict and respect differences of opinion give children the skills they need to

QUALITY TIME AND FAMILY RELATIONSHIPS.

Do regular, fun things together as a family.

This can be as simple as a family soccer game at the local park on Saturdays, or a family board games night each week.

Quality family time is about making the most of the time you spend together as a family. Here are some ways you can make quality time happen in your family: Use everyday time together to talk and share a laugh. For example, family meals and car travel can be great times to catch up on the day.

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of sight. This helps to keep everyone focused on what you’re doing or talking about at the time.

treat its members. For example, ‘In our family we speak respectfully to each other’.

Rules like this help everyone get along better and make family life more peaceful.

Have one-on-one chats with each family member to strengthen individual relationships. It can just be five minutes before each child goes to bed.

Work together to solve problems. This involves listening and thinking calmly, considering options, respecting other people’s opinions, finding constructive solutions, and working towards compromises.

Do regular, fun things together as a family. This can be as simple as a family soccer game at the local park on Saturdays, or a family board games night each week.

TEAMWORK AND FAMILY RELATIONSHIPS When your family is working as a team, everyone feels supported and able to contribute. It’s easier to work as a team when everyone understands where they stand, so it helps to have clear expectations, limits, and boundaries.

You can encourage teamwork in some of these ways: Share household chores. Even very young children can enjoy the feeling of belonging that comes from contributing.

Work together to solve problems. This involves listening and thinking calmly, considering options, respecting other people’s opinions, finding constructive solutions, and working towards compromises.

Include children in decisions about things like family activities and holidays. Give everyone – including young children – a chance to have their say before you make the final decision. Family meetings can be a good way to do this.

Let children make some of their own decisions, depending on your children’s abilities and maturity. For example, you might let your 12-yearold child decide whether to walk or cycle home from school.

Create family rules together that state clearly how your family wants to look after and

APPRECIATION FOR EACH OTHER AND FAMILY RELATIONSHIPS Valuing each other is at the heart of good family relationships. Here are some ways you might be able to do this: Take an interest in each other’s lives. For example, make time to go to each other’s sporting events, drama performances, art shows and so on.

Include everyone in conversation when you’re talking about the day’s events. For example, ‘What was the highlight for you today, Izzy?’

Share family stories and memories. These can help children appreciate things that aren’t obvious, or that they’ve forgotten – for example, Mum’s sporting achievements when she was younger, or the way a big sister helped care for her little brother after he was born.

Share family stories and memories. These can help children appreciate things that aren’t obvious.

Acknowledge each other’s differences, talents, and abilities, and use each other’s strengths. For example, if you praise and thank your teenage child for listening to a younger sibling reading, your child will begin to see themselves as helpful and caring. ◙

SOURCE: https://www.webmd.com/

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He didn't know what to expect. In the midst of all these uncertainties he wrote a poem, and its first stanza was: I feel surrounded by good powers, well protected and indeed comforted: This is how I wish to spend my days and have a year of joys with you.

Daniel Lima

His name was Dietrich Bonhoeffer. Toward the end of the war, a few weeks before Hitler's suicide, he was hanged.

The cell was dark and cramped. He had been there for over a year.

A Nazi doctor who watched his execution later wrote:

His crime was simply not to agree with the oppressive regime that dominated his country and that committed one atrocity after another.

The charges leveled against him were false. Sometimes the memory of the opportunities he had to get away from his country, to withdraw, must have crossed his mind.

The memory of his young bride was always with him.

Through a guard who had befriended him, he was able to send letters to friends and to his fiancée.

“I saw Pastor Bonhoeffer kneeling on the floor, fervently praying to God. I was touched by the way this lovely man prayed, so dedicated and so sure that God heard him.

Dietrich Bonhoeffer knew who he believed in, and he knew that He is able to keep us until the last day

At the execution site, he said one more prayer and climbed the gallows steps boldly, calmly. His death occurred in seconds.

In the nearly fifty years that I worked as a doctor, I had never seen a man die like this, so submissive to the will of God.” What is this faith that makes CONTINUES ON PAGE 19

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While waiting in a Nazi prison cell in 1943 a few weeks before Advent, Dietrich Bonhoeffer wrote a friend a wronged man – and in the midst of so many uncertainties – maintain such a calm and hopeful posture?

The world started the year 2020 with several certainties. Everyone had plans and projects and was very confident that much of what they It is the faith of Paul, who dreamed of would happen. states at the end of his secHowever, almost all of this is ond letter to Timothy: being challenged. Plans are In my first defense, no one being erased and any project, came to support me; every- at the very least, suspended. one abandoned me.

Everyone is faced with the May this not be charged to fact that either because of them. But the Lord remained the pandemic, or because of by my side and gave me the economic crisis that will strength, so that through me come from it, the world will the message might be fully not be the same as when we proclaimed, and all the Gen- started the year. tiles might hear it.

Notice Paul's words. He beAnd I was delivered from the gins by stating that everyone lion's mouth. The Lord will abandoned him, no one dedeliver me from every evil fended him. work and bring me safely to For an old and sick man, at his heavenly kingdom. the end of his life, that alone To him be the glory forever would be enough to sink into and ever. Amen. (2 Timothy bitterness and depression; 4:16-18) yet his words are full of grace:

"Let it not be charged to them." This is a man at peace whose tranquility is not determined by circumstances.

Our hearts are revealed, and our faith is purified in the midst of crisis.

Verse 17 goes on to describe this hopeful posture. He rejoices, not because he will be delivered (in the preceding verses he indicates that he knows he will be killed), but because – by God's action – many have heard the gospel.

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Paul states at the end of his second letter to Timothy: The Lord remained by my side and gave me strength, so that through me the message might be fully proclaimed, and all the Gentiles might hear it.

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In these days of a pandemic, These are times of opportuwhat is your prayer? nity. Yes, there is a lot of sadness, there is a lot of fear, and “God, deliver us from sick- we will have a lot of tragedies. ness”, or “Lord, use me to proclaim your hope in the However, this is a time to midst of crisis”. show the reason for our faith.

Recently, in a conversation with Arthur Lupion, a missionary in Uruguay, I heard his affirmation that there is no situation that frees me to love God or my neighbor less than before.

These are times of opportunity. Yes, there is a lot of sadness, there is a lot of fear, and we will have a lot of tragedies.

However, this is a time to show the reason for our faith.

Our faith is not based on public meetings. It is not based on carefully prepared schedules.

These may even be manifestations of our faith, but not its foundation.

On the contrary, our hearts The foundation of our faith is are revealed, and our faith is our relationship of surrender purified in the midst of crisis. and love for our Lord Jesus Christ.

It is precisely with this faith and with this hope that Paul My prayer is that God's peoconcludes the paragraph: ple will rise to show, in their “The Lord will deliver me words and in their daily lives, from every evil work and will who our savior is. ◙ bring me into his heavenly kingdom”.

Paul, like Bonhoeffer, had his eyes on the Author and Finisher of our faith (Hebrews 12:1-2 ).

He knew who he believed in, and he knew that he is able to keep us until the last day (2 Timothy 1:12).

Daniel Lima:

Graduated in Psychology, Master in Christian Educationand Doctor in Leadership Development at Fuller Theological Seminary.