The confusion about climate change and global warming is such a far out debate that one must sit back and wonder at how man's thinking is so far beyond reality. In Australia we have perfect weather to create all the power we need from the sun and wind. But are we doing that? No! The arguments for such things as coal-fired power stations that send carbon pollution around the world continues to dominate and override common sense.

The ex Prime Minister, Tony Abbott, is now gaining attention by threatening to overturn any clean-energy targets. He is the one who has stood in the way of solar energy companies gaining a foot-hold over the power industry. His legacy is such that even same-sex marriage has been drawn out into a postal vote that is dividing the nation.

So where is common sense and how can anyone function when there is so much disputing of it. Why is the world in such dire-straits that we are now threatened with nuclear war? Why is the earth's atmosphere so polluted that the conditions will soon no longer support life? Why is God so upset with us that the world as we know it is being destroyed?

One doesn't have to look far for answers. In my case I was treated to a number of visions that followed a commission to tear down the wall of confusion and deliver the spiritual people. We are in the end times and nothing can stop what is happening and about to occur.

My reincarnation is proof that religions are the key to explaining how the evil of the world has become so great. Between lives while with the Spirit of the Universe, the only God, a vision was given to me of my life ahead and the time when 45 years would become important. That was when the first commission was received.

The wall is of such a size that it is unable to be breached. It spreads the length and breadth of the earth and no one can bypass it without the Spirit showing the way. In a vision I was lifted high above the earth from where I looked down on a planet encased in thick black goo. Nothing could cut through it.

Suddenly a bright light shot out from me and it penetrated the goo and then spread around the earth under it. As the light grew in strength it pushed it up breaking it in pieces and went off into space.

In another vision I saw a huge black ribbon come out from Rome (the Catholic Church) and it went to Sicily and then wrapped around the world so encasing it. Following that I was shown how the Mafia has grown out of the religion and it has spread the evil and horror of its corruption.

In fulfilling my commission I was shown how Constantine is 666 and he established the Catholic Church in 325 AD based on Islamic principles. It is not known that he was of that persuasion and is the Amorite and the Assyrian spoken of in the Old Testament. As well he is the Second Beast identified in Revelation 13: 12-18.

He invented Jesus Christ and restored, Mary, the Mother God of Babylon as the chief god that oversees the religion. The Vatican stands on the premise that it holds the keys to heaven and that anyone who does not belong to it will burn in hell for eternity.

All lies, magic, and smoking mirror. There is no heaven or hell but these things are the props that increase its power. The fact that people madly follow the religious lies is the main reason why the real God is upset and about to destroy the world. Nothing can change that.

This is what is coming and happening now:

"For the indignation of God is upon all nations, and God's fury upon all their armies … (to) … utterly destroy them. God hath delivered them to the slaughter. Their slain shall be cast out, and their stink shall come out of their carcases, and the mountains shall be melted with their blood " Isaiah 34: 2,3

The mountains are the places of religious teaching and the false gods.

I have lived in South Africa with my wife since 2003 and we have enjoyed our time here immensely. It is time that I feel gives me the right to comment on what is happening now. I hear the murmurs, ´Who are you to comment on internal affairs?´ My perspective is as important as yours. I am a South African citizen. My father born in George, my mother and I the UK. I believe I bring a unique perspective having been born, raised and educated in England and at 24 I began my extensive vocational travels worldwide in the oilfield. I travelled a lot and saw a lot. I am a Quality Consultant and thus have a keen eye for detail, a rigorous requirement for fact and due reference to the implementation of Procedures, Standards, Regulations, Specifications, accurate concise Reports. I have worked on Project Management teams in the States and as Project Quality Manager globally. Deliverables are tied to a schedule and the schedule must be met. Time, money and legal restraints escort the projects from inception to completion and your remit is constant but the circumstances differ. I have learnt much and ´Don’t suffer fools gladly.´

When we arrived in SA it was 2003 9 years after the ´Rainbow Nation´ had captured the world with the realisation of a truly free democracy. There was at that time, 2003, still a euphoric air throughout the land. The government was entrenching itself into its role to govern for the people to enrich their lives. In terms of what had been, it was a big ask.

Whatever side of the divide you find yourself it has to acknowledged that governing is extremely difficult if you as a political party have never had previous hands-on experience in the day to day requirements. So govern they did and what we have today is of their making, whatever they try to say, it lies squarely with them and the piper always has to be paid.

It is 2018 now and I can only speak of what I see happening in SA taking my lead from national and international news programmes, press, media, word of mouth, personal involvement, internet and the constant barrage of information.

South Africa at this moment in time you are a country in decline. Your government has been derelict in its duty and continues to be piling deceit on deceit, fraud on fraud lies on lies, bribes on bribes, intimidation on intimidation, nepotism on nepotism, incompetence on incompetence, declining standards and a free for all like Jackals feeding frenzy killing the hands that feed you by looting the very fabric from beneath our noses. And such is your arrogance that you expect a nation to swallow your blatant lies, covers ups, persistent cries of we are innocent it is the legacy of that evil regime ´apartheid´ and its perpetrators. We were previously disadvantaged and we have the right!

The right to:

• Bankrupt all government entities
• Eskom for one
• To all but bankrupt SAA
• Allow unemployment to rise to record levels
• Countenance incompetence on a monumental scale in the connivance of retaining halfwits, halfwits capable of rifling the countries treasures
• Allowing private individuals to infiltrate commerce to the degree that monies allocated to bona fide endeavours were syphoned off at an unsustainable rate.
• Depleting medical resources
• Allowing municipalities the free for all to steal resources unfettered
• Increased farm killings
• Land expropriation without compensation laying centuries of labour to build the businesses on the back of which South Africa has grown from a third world existence to maybe, and it is only maybe a first world economy. To be wrenched from the hands of those who gave so much to make them what they are. And give to those that neither want the land or care little for the work encapsulated within and when there are vast tracts of land vacant owned by the government available for occupation by those that yearn for their part of the rainbow fading in the cloud filled sky.
• The outfall has resulted in unrest resulting in, burning, looting, civil disobedience and total disruption in pockets throughout the land. And all this based upon false promises, undeliverable expectations and continual ongoing avarice
• These and so many more examples but it is clear the latest debacle in this series of sorry events is purely political in this period leading up to the 2019 elections.

In a mature democracy it many things occur but be aware South Africa that apart from your arrogance and duplicity in the phenomena of state capture you have been caught in the headlights with your hands in the cookie jar and as is the nature of your combined stupidity you are spinning webs of lies catching you in your childlike cries of innocence.

South Africa, you are country in decline. Where do you go? But more to the point where do you come back from?

Every day the headlines confirm what we already know. The ideology of Islam is archaic and has no place in modern society. Yet, we have leaders around the world who deny, cover up, pander and support the cause of a tyrannical, totalitarian system of government. What is so hard to understand?

Every action produces a reaction. If we plant corn seeds, we get corn. If we plant flower seeds we don't just get any flower; we get the specific type of flower we planted. We feed the bears in the wild, and they will come to depend on our generosity and if we quit giving they become aggressive. Life is not hard to understand. Action and reaction.

I'm struck by reading headlines across different news outlets with the same familiar theme. Take a look. University of Central Florida: Muslim arrested for "inappropriately touching women" hard to imagine someone in the West not knowing this is wrong. Yet, we see daily headlines of this happening in Europe, committed by young Muslim men. In Europe, it is worse. "German women in fear: New anti-rape pants sell out very quickly" Can you imagine you live in such a time this is considered a 'normal' response to rape? What don't we understand? It is madness.

We travel to Malaysia, a Muslin country and find this headline. Malaysia: Muslim who beat his 9-year-old daughter to death would "recite the Quran during the night." Who does that? Or try this on for size. Canada: Two Muslims convicted of forcing 15-year-old girl and two other women into prostitution. Again, who does that? Muslim men do that the world over.

We travel to India and find the same behavior. India: Muslims slit Hindu's throat for dating a Muslim woman. Who does that? Have you ever heard of a Hindu striking out in this manner? How about a Catholic? In the United Kingdom, where their culture is being rapidly turned back centuries, we find, UK: Muslim teens repeatedly rape women at gunpoint in her own home and behind a mosque. Yet, we're always told, by our leaders and the media, behavior like this is normal. What? It may have been 'normal' 1,400 years ago, but it is not normal today.

The Islamic ideology is like an infectious disease that turns individuals into something other than they are. Are all Muslims bad? Of course not. Is the Islamic ideology bad? Absolutely. A wise man once said, 'by their fruits, ye shall know them.' Since the tragedy of 9-11 at the World Trade Center, the ideology of Islam has murdered over 30,000 people, with over 80% of those killed were Muslims killed by other Muslims. How can the media and our leaders treat this as 'normal'?

What other ideology migrates to an accepting nation and then seeks to change it at every turn to what they left. Take this headline. Oregon: Muslim inmate sues state over failure to provide halal meals. Here is a young man who beat and raped a young woman, sent to prison and is demanding and suing for his 'right' to a religious meal. We see it every day in demands to 'not serve' ham, take a drivers license picture with a mask on and stop work so we can have a prayer. And oh, by the way, provide a special place for me to do it. There is no end to the demands of Islam.

The ideology manifests itself in many ways. Uganda: Convert from Islam to Christianity says "The Muslims are trying to kill me" Can you name any religion on earth, outside of Islam, that has doctrine and teaches to kill those who leave the faith? Name one? It is insanity to ignore this behavior. With Islam comes the practiced are of double-dealing. Egypt: Muslims who attacked church get no jail time, Christian fined $ 20,383 for unlicensed church. While this example is in Egypt, it happens all over Europe and Canada every day. The Judicial System is pandering to Islam.

What is so hard to understand? We in the West are invaded by an ideology that is incompatible with free society. It is high time we take the blinders off, pull our collective heads out of the sand and see the light of what is happening, not what they'd like us to think is happening.

In an article published in December of 2011 on the financial portal ‘Business Insider’, some real life stories were illustrated about people who took out loans for their education.

These student debt stories give a clear picture on how borrowers struggle to lift the crushing burden of student loans off their shoulders.

All of these instances depicted various situations that the student community faces that makes them financially stressed.

A summary of a few stories on the website are:

Case 1:

A borrower took out a loan to study Game Art and Design and ended up owing $100,000 in debt.

Case 2:

This person’s original loan amount was $80,000 that increased to a whopping $135,000!

Case 3:

A loan was taken from a leading bank in 2005, and the repayment terms could not be negotiated. Even after the borrower’s repeated request to negotiate, the loan was sent to one of the banks collection agencies.

Many readers can easily identify themselves with the three instances mentioned above. These are some of the common scenarios that borrowers face due to job loss, bankruptcy, or heavy medical bills. Such instances create obstacles for people, making it difficult for them to pay back their debts and get rid of their financial liability.

Other Factors Causing Student Debt

Apart from current financial conditions, there are other factors that may cause student debt. It could be due to multiple loans along with variable interest rates that come along, capitalization of interest or interest-only payment options. They eventually accumulate to a huge amount.

There are many borrowers who have not missed their payments on their credit card debt, car loans or mortgage. They even have a good credit score. However, because of the reasons mentioned above, they are never able to pay off their student loans.

One of the best solutions that these borrowers have in getting relief from their debt is to consolidate their various loans into a single loan amount. In this way, they only need to make just one monthly payment at a revised interest rate.

How to Consolidate Student Loans

A borrower who can’t afford to pay off their student debts can consolidate multiple loans through federal direct consolidation programs and regain control over their financial situation.

When consolidating loans, borrowers should not combine their federal loans with their private ones. The Department of Education doesn’t allow consolidation of private loans.

Federal student debt relief services are an excellent way to get the maximum federal loan benefits. Consultants for student debt relief provide an apt solution, as they have the expertise to match each loan with eligible payment plans.

Some leading companies offer comprehensive assistance and guidance to borrowers for a reasonable one-time fee. In this way, they can find a hassle-free solution and get peace of mind.

Student Loan Consolidation Plans

Income Based Repayment Plan

Unlike traditional lending practices, the only factors involved with determining a borrowers monthly payment are annual adjusted gross income and family size. Credit score and loan amount are not taken into account.

Only loans available under the Federal Family Education Loan (FFEL) Program and William D. Ford Federal Direct Loan Program qualify for an Income Based Repayment Plan.

Income Contingent Repayment

This plan has been designed for those who are not eligible for the Income Based Repayment (IBR) or Pay as You Earn plans. The Direct Subsidized, Unsubsidized, Direct PLUS Loans and Direct Consolidation Loans qualify for this plan.

Standard Repayment Plan

Through this plan, student debts can be repaid in the shortest possible time. It requires a fixed monthly payment to be made for a period of up to 25 years.

Graduated Repayment Plan

Under this program, the starting monthly payments are low. The payment amount will subsequently increase by 4.25 percent (approx.) every year.

Besides consolidation, another quick way to remove all of your student loans is to qualify for a loan forgiveness program.

Born to a middle class family in London, Clement Attlee studied at Oxford Faculty, and then taught as a lawyer. He went on to handle Haileybury House, a charitable youth organisation in Limehouse, East London. This experience clearly had a deep impact on Attlee, whose political perspectives were formed by the poverty he witnessed in London’s East End, and in 1908, the Independent Labour Party was joined by him. Upon the start of the very first World War, he put on for a Commission and served as a Captain. The reputation of his as a highly effective, efficient leader gained him the rank of Major, a name which would remain with him beyond the military life of his.

On going back from the war, Attlee moved into politics, getting Mayor of Stepney in 1919 and MP for Limehouse in 1922. He continued to move up the ranks within the Labour Party, and was elected the leader in 1935, using the resignation of George Lansbury. During the next World War, he was called into Winston Churchill’s coalition government, obviously having the name of Deputy Prime Minister from 1942 to 1945. When a general election was organized at the peak of the battle in Europe, Attlee led the Labour Party to an amazing landslide victory, winning 393 seats to the Conservative’s 213, along with forty eight percent of the public vote.

The period of his as Prime Minister was among extreme activity. The notoriously blunt, fairly quiet male was nonetheless extremely great at fast, decisive action. Although when the Prime Minister had let his Cabinet voice the opinions of theirs, he’d quickly make decisions with military precision, the leadership style of his was apparently collective. As a result, nearly all of Labour ‘s manifesto pledges have been implemented under Attlee. Regardless of the Second World War leaving Britain successfully bankrupt, he managed the development of the National Health Service, as part of the Welfare State which desired to provide’ cradle to the grave’ care of British people. Moreover, a lot of Britain’s largest industries – including the railways, electricity, and coal mining – have been brought under state management, despite recurring currency crises and shortages of resources and food so severe that rationing must be taken care of long after the battle.

Attlee’s time as Prime Minister also discovered intensive foreign policy actions. He placed excellent confidence in Ernest Bevin, the Foreign Secretary of his, and together they oversaw Indian independence, American loans and’ Marshall Aid’ because of the rebuilding of Western Europe and Britain, the Berlin airlift and Britain’s resolve for the United Nations.

In the 1950 General Election Labour lost the majority of it, and also by the time of the defeat in the general election of 1951, the Labour authorities had worked itself to near exhaustion. Attlee, nonetheless, carried on to direct the Labour party until 1955, and died in 1967, aged eighty four.

Of all time, more than a single survey of academics has voted Attlee the best British Prime Minister.

What is up with this current fake news about Libya slave markets and aggrandizement of the Gaddafi regime? After CNN came out with video of slave auction markets in Libya, all hell has broken loose online and on mainstream media. Reports of African slaves being auctioned in Libya and the true ongoing horrors of immigrants drowning trying to escape Africa for EU countries has outraged the world.

Twitter has erupted in total revisionist history of the real Gadaffi era.

I began reporting on Libya in 2010 before the revolution and ouster of Gadaffi. Years ago I became friends with a gentleman from Misrata (Misurata) whom I trust to answer my questions and tell the truth on the situation on the ground in Libya.

My 2015 4th anniversary of the revolution in Libya report highlighted triumph and tragedy as to what transpired in Libya during the four years after the revolution.

My Libyan friend has kindly agreed to tell us what the real story is regarding the slave auctions. Here is our conversation.

— Hello friend: Can you give me something to counter the Libya slave auction story? I am having a hard time believing what is being reported.

— Misrati: Yes, I am glad to tell you the real story and hope you can get this out to the public. There are two types of Africans that come to Libya.

The first type of migrant are those who come for working. They always go home. When these type enter, they stay at the South and they call their ex-boss by phone, since they had been to Libya before, and tell them they need someone to smuggle them to the North so they would be granted a safe transportation. They return home after a year or two to visit their family and then they make the journey to Libya again. This type of working migrant are mostly from Chad and Niger. Sometimes they are not lucky and they cross to the North via a town called Bani Walid, the town that CNN did not mention by name. At Bani Walid they get trapped and jailed by a gang who will not release them until they get paid. So they call their ex-boss again and also their friends back home and ask them to pay so they will be released. There is always an agent in the Northern city working for the gang and he is the one that gets the money. This agent sends a signal back to the gang to release the jailed migrant.

The second type of migrant are those that want to go to EU with no return to Africa. They are from Tunisia, Morocco, Syria, Ghana, and Nigeria. Those people are not used to Libya. As for them, it is a one way journey, so they get into the hands of the gang before they reach the sea smugglers, since the gang knows that those migrants are desperate to reach the North. They arrest them and never release them until they pay or someone pays for them, and finally they will end up in such labor market auction that was reported by CNN, but as soon as they reach the North, they will quit work and ride the sea to EU. Some of them used to stay in Libya when the value of the Libyan Dinar was o.k., selling alcohol, drugs, and prostitution. But now as the LYD is not worthy they migrate North to Italy seeking more fertile ground.

Now, the auction that CNN is talking about is for the migrants who do not have a friend or ex-boss to pay for their release. So the gang offers them as labor. The shop owners or the farmers come to pay against the migrants’ release. This is the whole story. The ‘auction’ is just telling the type of work that particular migrant is skilled at. So this is fake news. This has nothing to do with slavery. Trump was right.

I don’t deny there is torture. But it is rare. And what do these migrants expect in Libya with such terrible conditions here in Libya for the native citizens? The Libyans themselves are suffering from a lack of food and medical care. I don’t think it is fair that we are responsible for people crossing our country to EU; that we have to feed them and treat them as they come wave after wave.

—Thank you. I hope this helps clarify the situation. Also, this should serve as a warning to Africans that it is treacherous to go to Libya, either to work or to migrate to EU.

Introduction

It has been a Gordian’s knot between the Muslim minority group, Rohingya, and Government of Myanmar since its very inception. This minority group resides in the state of Rakhine, formerly known as Arkan in Myanmar. However, the people of this smoldering state, Rakhine, have always been a discriminated group in their homeland. In the same fashion, people of this state have faced several horrific and horrendous incidents, but neither international nor any regional organization has played its prominent role in this unending plight. Therefore, a mass exodus has fled to the neighboring countries.

Historical background of Rohingya’s and their status in the country

The Rohingya are an ethnic Muslim minority belonged to Sunni Islam. Approximately, one million Rohingya Muslims live in this state. However they have very different ethnicity, religion, and language than that of Buddhist group in Myanmar. The people of Rohingya’s community claims that they have their roots on this land since fifteenth century when people migrated to this Arkan kindom, whereas the government of Myanmar denied to their claim and didn’t accept the recognition of country’s as 135th ethnic group. Similarly, they have been considered as illegal immigrants from Bangladesh. However, in 1990s they were given a white card for the recognition of temporary stay for Rohingya’s in Myanmar with limited rights, but later on these white cards as well right to vote were snatched by President Thein Sein in 2015 constitutional referendum.

Reason beyond the mass exodus of Rohingya’s

The minority group was discriminated through the restriction on various things like marriage, employment, education, religious choice and freedom of movement. More importantly, couple was not allowed more than two children and during the time of marriage they were required to fulfill the condition i.e. to give bribe and show picture of bride and groom. In addition to this, if Muslims needed to move new place then they required government approval. Apart from this, Rakhine states is one of the least developed states of Myanmar which has 78% poverty rate. However the tension has erupted due to opportunities was restricted for Muslims and furthermore this situation ameliorated difference between religious groups. Therefore, they were compelled to leave the country and flee to the neighboring countries.

The ground instruments of recent mass influx

Recently, the quagmire blazed due to the attack of the Arakan Rohingya Salvation Army (ARSA) and claimed the responsibility of the attack on police and army posts. Therefore, government named this ARSA as a terrorist organization and commanded to army a campaign that destroyed hundreds of villages and compelled more than five hundred thousand Rohingya to leave the country. Similarly, Mayanmer’s security forces allegedly opened fire and killed more than five hundred people lost their life. However, they flee towards Bangladesh, Malaysia, Thailand, and Indonesia. It has been recorded that hundreds of thousand rohingya are unregistered and are living in the Bangladesh. Similarly, Malaysia, as of august report, has declared that more than 88% registered refugees were from Maynmer i.e. sixty one thousand from Rohingya’s group.

Role of region and conundrum of Rohingya

Countries in the region started protest against the Government of Myanmar such as India, Thailand, Indonesia, and Bangladesh’s foreign minister condemn the killing and persecution of Rohingya’s. The neighboring raised the voice against the genocide in Myanmar and demanded Myanmar government to curb this violence. However, the government of Myanmar took its first time democratic power, but unfortunately it remained reluctant rather than taking positive role in the situation. However, Aung Saang Suki has denied the criticism of international world about her handling of this issue resented relation between both countries. In September 2017, she said that she has assisted the people for the normal life in the best possible pay.

Response of international and regional organizations

United Nations has taken positive role just immediate to this carnage and has urged to Myanmar’s authorities to end this military operations which has ameliorated violation to the human rights. Similarly, The UN Secretary General, António Guterres said the broader crisis “has generated multiple implications for neighboring states and the larger region, including the risk of inter-communal strife”. In addition to this, “It is imperative that UN agencies and our non-governmental partners be granted immediate and safe access to all affected communities,” he said. Therefore, United Nation has shown its positive role along with neighboring countries to make a liable course for the resettlement of Rohingya’s to their homeland.

Conclusion

In the nut shell, the crisis of Rohingya’s minority in Myanmar can easily be curtailed if UN plays its pivotal role to direct the Government of Myanmar’s immediate response with practical results. Therefore, it is the only liable course in which the Government of Myanmar will make impartial policies for all its citizens and will allow Rohingya’s minority as an independent community which will have all rights like to vote, to move easily across the country, to marry without conditions of Buddhists and to empower people of this community in the government jobs.

The concept of sharing risk in Islamic finance has been a common standard for centuries. As globalism rises, the benefits of risk sharing are now being implemented worldwide by conventional financial institutions, including those in the United States. Although risk sharing as an alternative to interest is one of the main foundational principles of Islamic finance, its adaptation by a heavily regulated financial industry seeking to provide consumers with viable alternatives to traditional financing is on the rise.

Concerns regarding interest-based financial transactions are rooted in both historical and religious foundations. Many historical figures, including America’s Founding Fathers, were worried by the effects of interest on society. Both Christian and Islamic scholars have referenced verses in both the Bible and Quran that judge the charging of interest to be unjust. This concept was created as an alternative to “balance the playing field”.

Risk sharing is generally defined as “a method by which the possible cost of a failure or a catastrophic event is distributed amongst the participating individuals in any given initiative” – it attempts to restore the original function of financing to its primary beneficiaries. It is the risks which generate profits and losses. Thus, when risks are shared, profits and losses are also shared, leading to a more just economy overall. Everyone in society benefits when even those who have less wealth are equally and ethically included in society’s prosperity.

Risk sharing can be applied in many different forms – from simple to complex. A modern and hugely popular example of risk sharing is “crowdfunding”, which is the practice of funding a project or venture by raising contributions from a large number of interested people. It’s essential for consumers from all economic backgrounds to understand risk sharing’s varying applications across society. The sharing of risk, no matter what the application may be, is becoming a valued feature in the finance industry in the United States and around the world.

Within the Islamic home finance industry, products and services have been developed that assist consumers of all faiths in purchasing or refinancing a home. The advantage to Muslims is a focus on complying with their laws; that there is a preferred method of finance that allows their participation in home financing while following the principles of their faith – a faith that strictly prohibits interest, or “riba”. The advantages to everyone range from contracts that protect the rights of all parties and prohibit exploitation, to terms such as limits on late fees or penalties, as well as the appeal of opting out of conventional institutions’ perceived appetite for risk and inequitable behavior.

Interest-based debt contracts can be easily replaced by risk sharing contracts; understanding this is essential to consumers looking for alternative methods to traditional financial products. Islamic financing products that employ the principle of risk sharing are a stable and increasingly more popular route to financial security in both the United States and abroad.

Do you own investment real estate or a business? Have you been considering buying a rental property or starting a business? Have kids going to college in a few years? If you already plan on your kids going to college, it's never too late to start planning effective and efficient ways to increase savings, lower your taxes and improve your odds for receiving student financial aid.

Let's say you already give your children an allowance. You're already paying out of pocket and not getting any tax benefit. With a few changes you can turn that cash outflow into a tax deductible expense that can even help your kids save for college. Consider hiring them to work in your business or on the rental property you own.

By paying them a reasonable wage for services like landscaping, cleaning, painting, shoveling snow or doing office administrative work like filing, stuffing envelopes or printing marketing flyers, you have an additional deductible expense which lowers the net income or increases the net loss of your business or property.

And for children earning income in the family business, there is no requirement for payroll taxes. And if you keep the amount of "earned" income below certain limits, you won't be at risk of paying any "kiddie" tax either. ("Kiddie" tax limits adjust for inflation each year). In effect, you have shifted income from a taxpayer with a higher tax rate to a low- or no-income tax paying child.

Now get your child to open a Roth IRA with the money you pay them and they have the added benefit of tax-free saving for college since Roth IRAs can be tapped for college tuition without paying a penalty as long as the Roth is open for at least five years (restrictions apply).

By reducing your income, you can also reduce your Expected Family Contribution (EFC) which is the critical number used to determine the amount and kind of student financial aid your child can get for college. The EFC is calculated using a number of things including the amount and type of parental assets as well as reported income. EFC is recalculated each time a financial aid form is submitted and is based on the assets and income from the year before.

So to improve your odds for financial aid, one strategy is to lower your reported income. By employing your child to lower your business or rental property income, you may be able to lower your EFC and improve the amount of aid your child receives.

Is that what we want? Trump to dump meat imports of an inferior standard into our country, when we can provide excellent meat ourselves. Is this Trump’s intention cosying up to Boris with his great deals? Are these deals gook for the UK? Not to mention Trump’s agenda for getting involved with our NHS.

Let us hope Boris’s energy to reform Britain isn’t tainted by promises from our Twitter crazy ally. Boris wasn’t my choice of prime minister; however his enthusiasm is refreshing as long as it is directed in the best direction for our country. Only time will tell!

According to Boris large amounts are about to be injected into funding more police, which is great for everybody with the crime figures rising. Unfortunately this will take years to implement fully but is obviously a crowd pleaser. Also the Trans-Pennine line, intended to help equalize the north south divide.

Great plans promoted with enthusiasm, but we have all heard great plans before. Meanwhile the treasury are left balancing the books. Is this all possible?

Surely after our recent heat waves an urgent problem for all nations and those in power ought to be, the pressing questions of climate change. Thousands of people dying from floods and heat, fires raging in swathes across the lands, causing destruction to communities plus long-term damage to the planet with even more loss of trees and flora, whilst emitting heat and smoke into the atmosphere. Still Trump and others refuse to commit to a program. No wonder that youngster’s world-wide are campaigning to protect their future.

Many politicians seem oblivious to the problems faced by communities and their people whom they are supposed to be serving, let’s hope all this will change and the public’s wishes will be listened to instead of the infighting we have experienced lately with the government more interested in their own agendas.

Do we need Europe and the current trade arrangements, the easy movement of people and goods? Was this thought through properly before Brexit was initiated? We certainly didn’t know what we were voting for, and staff shortages for farmers and the caring professions were apparently not considered beforehand. More blunders!

Well Boris we are watching and waiting let the proof be in the pudding. After your faux pas re the red bus in your campaign and your usual bluster I am not convinced yet, but Britain is waiting for great results. Be wary of Trump’s ploys and put the Great back into Britain after the laughing-stock we have been for the last 3 years of indecision. Use your talents to achieve Brixit without crashing out with a no-deal scenario that is not good for our country or businesses. Let Britain be Great Britain!