SCHOOL OPENS OWN BANK

Pupils save over £100 in new school bank!

 

Ws4g3Students at Walthamstow School for Girls have thrown open the doors of their very own bank.

11-14 year olds have been trained by MyBnk to get fellow pupils into good financial habits by offering accounts and loans of up to £40. Using real money, their MyBnk-in-a-Box scheme opens once a week at lunchtime and is also accessible online.

“I opened an account today with £2 and I think it’s important to save so you don’t have to worry about your parents spending all of their money on you! I would like to buy things for myself and be independent”. Amy 12, young saver.

Ws4g2Also opening accounts on launch day were the Mayor of Waltham Forest, Saima Mahmud and our patron, broadcaster and campaigner, June Sarpong. Scores of young people deposited over £100 in a single lunch break.

The young bankers now will also run incentivised saving and enterprise start-up drives for their fellow pupils. This is backed up with financial education workshops covering everything from tax and pensions to student finance, supported by Prudential.

“At WSFG we believe that our girls should understand how banks work and understand how to manage their personal finances. We try to build in transferable and lifelong skills that they will use in their everyday lives, as well as ensuring that they achieve the very best academic achievements they can”. Marianna Philippou, Maths teacher, Walthamstow School for Girls.

 

Ws4gSoon, Walthamstow will be joined by another London school bank, run by young people for young people. Savers bank on average £3.64 a week, 59% of their pocket money, an adult would bank £295 a week on an a £26,000 salary!

“The sooner young people are familiar with banking, the better they can develop sound financial habits like saving and navigate the system. We’re going all out for a generation that will have to make smarter financial decisions and create their own opportunities”. MyBnk CEO & Founder Lily Lapenna.

If you are interested in running the MyBnk-in-a-Box financial education programme in your school, get in touch via info@mybnk.org or 0207 377 8770!

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WANT TO BE A BILLIONAIRE?

do-you-want-to-be-a-billionaire-by-ericpesik-1-638This article was forwarded to our group to discuss the matter of concept of how to become a billionaire. The major ideas that came up was to follow with passion any projects worked on. Many become billionaires through hardwork and most of all focus first on their ideas and then billions follow later. Some did not really expect to become billionaires but it was the reward of accomplishing the best they could do and the result was global. Result of producing consistently high quality product demands led to billions. do-you-want-to-be-a-billionaire-by-ericpesik-3-638Some have lucid reasoning concerning making billions according to following the article. A major secret of billionaires is their ability to find solutions to the challenges of humanity. All of them created the solutions that brought in the billions. Bill Gates spent so much time developing computers so uses millions of dollars now in search of renewable energy. By the time he finds one and become a major player in the electricity industry some may say he is lucky. But do not forget he did not pray for a financial breakthrough, he found a solution to a global problem to help humanity.0513e4fe7e3f11711057509addd83a6bc0dfef-retina-thumbnail-large

Wealthy people do not necessarily look for just money they create solutions and money will follow them! Larry Page and Sergey Brin have all helped humanity find things faster on the internet, and billions of dollars followed them. Mark Zuckerberg created the platforms for online socialization and over $71 billion followed him. Steve Jobs and also Steve Wozniak went all out to reduce the size of computer. What problem do you help solve for humanity? Some people spend lots of money thinking it will turn into more money automatically only to find it is a scam so business goes bankrupt.IMG_20180110_203430Too much greed or a love of money over their dedicated interest missed out on investing in something productive so lost money they had. The others spend weeks on the mountain praying for the financial breakthrough without really knowing what to do to be rich. They just want to be rich anyhow but it does not work that way. The real wealth comes through lots of hardwork and solving problems to help others. And so real wealth comes after taking critical look around to see challenges that surround the world to create solutions or discover solutions help to others.13658382_648635705287577_1027477428_n

One of the major reasons why millions live below the poverty line is the belief that magic wands will suddenly mint all the money. How many cups of mustard seeds did Mark Zuckerberg eat so that will make him an ‘instant’ billionaire? How many bottles of the anointing oil did Jeff Bezos drink that turned him into an overnight owner of Amazon? So this is how potential billionaires pray: “Dear LORD where there is electricity problem, health, sanitation or portable drinking water problem give me ideas and knowledge to solve it. LORD, bless me with fresh insight to solve these problems and connect me with to the right business partners to make things happen. Thank you LORD.”0d0680bd91828fc706a88cb2e82c3eb4d398d09c1874917da63643602151f73d So God will definitely download creative ideas into their minds. It is Divine connections to search deeper to find Favour of God to be the best possible inventor, artist or whatever one honestly feels called to do to be fulfilled in life. On the other hand, the others may pray: “Oh LORD, command anyone who said I will not prosper to collapse and die by fire!” And another person will say: “LORD, I need financial favour so I need wealth transfer from the wicked laid up for the righteous. I need God’s financial breakthrough urgently. LORD please do send money to me today in Jesus Name. God listens to prayers and does look on the humble supernaturally to help them through enriching others to bless them. 13744280_1026683677453098_1238823929_nIn the Kingdom of God wealth creation is based on giving and receiving. God look from HIS balcony in heaven and wonderfully provides as Jehovah Jireh. Those who understand wealth creation opportunities also surround themselves with similar minded people willing to collaborate together. It is God who gives power to get wealth and enjoy wealth. It God who owns all the world’s resources but people work hard to manifest their talents and abilities. So do not belittle prayer, but pray specifically for wisdom to design the perfect product at the right time and to market it successfully.maxresdefaultthe-little-black-book-of-billionaire-secrets-28-638

It is time to change thinking and prayer pattern. There are no shortcuts to the hard-work required to get to the top. So start looking for the problems you can solve for humanity. Money is actually a reward for solving problems for people. Keep soaring! Whether instant success overnight from unexpected fortune one inherits or wins the lottery or a product that went global, viral online business it good success. Thanks to all those wealth creators who solved problems. Thanks  especially to all those who remember to give back society to help solve problems through charity to bless less fortunate. Give thanks and Glory to God for you helping solving problems of humanity as an instrument of change.

 

SPARE THE ROD SPOIL CHILD

Smacking (actors)Smacking ban goes to public consultation. Plans to outlaw beating, slapping, kicking, smacking, spanking, whipping children in Wales are going out to a three-month consultation. The ministers said removing the defence of reasonable punishment would make it clear smacking is no longer acceptable. Charities including the NSPCC said this would bring Wales in line with dozens of other countries. But campaigners against the law fear it could criminalise ordinary parents. Minister for Children and Social Care, Huw Irranca-Davies, said: “As a parent of three boys myself, I know being a parent can sometimes be a challenging experience. “Our knowledge of what children need to grow and thrive has developed considerably over the last 20 years. We now know that physical punishment can have negative long-term impacts on a child’s life chances and we also know it is an ineffective punishment.”

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Discipline is meted out by using alternative methods like, “grounding” punishment which means the child stays at home so cannot meet up with friends to go to cinema, party, or sleep over. The child’s privileges like toys, games, computers, phones taken away or asked to stay alone isolated in their bedroom. Others sit in a corner alone for 5 minute to 15 minutes within sight of the adult to stay there based on their age  This helps calm a child down and diffuses tension but the child enjoys TV in bedroom or favourite toys, phone, computer, are taken away for a few days or months depending on what the child did. This happens often so some parents feel it is better than physically hitting them with a stick. Some do not have toys or own bedroom so parents find other ways like asking them to do chores they do not like to do to teach them a lesson. In other extreme cases the child may pay for items deliberately damaged in anger with pocket-money or mow the garden and lawn.

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Scotland became the first part of the UK to confirm plans to outlaw smacking children last year. Now ministers in Wales want parents to choose “positive and more effective methods.”Some people think carrots and sticks are choices that makes a difference depending on preference. The “rule of the thumb laws” made by Parliament allowed husband’s to beat their wives with a stick the size of their thumb. God help the woman whose husband has the biggest thumb, you will not want to rub the wrong way. The proposed law would not involve creating a new offence but would instead remove the defence to the existing offences of assault and battery. So, any adult looking after a child would no longer be able to use physical or corporal punishment against them. Physical punishment has already been outlawed in schools and childcare facilities but Mr Irranca-Davies said it was time “to ensure it is no longer acceptable anywhere.”

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The Welsh Government is now allowed to legislate in areas of parental discipline, under the new Wales Act. The consultation runs until 2 April. The Bible says correct the child in love and not in anger because God Corrects those HE LOVES. So explain to the child you are not in a bad mood or hate them. Discipline must be done in context and effective against their behaviour. Mixed messages from parents does not clearly teach them why it is wrong to do something being punished and educate them on the effects of their action on their reputation, others and their peers and society in general. Safely nip the bad behaviour in the bud before it grows out of hand and becomes toxic and destructive. A lot of adults missed out on proper discipline as God said train the child so when they grow they will not depart from it. Children need to understand that discipline corrects and challenges bad behaviour so is not a negative cruel wicked vitriol. God tell parents in Bible not to provoke their children to anger so are to raise children to have consideration for others.семейное-отношение-14317792

A recent TV documentary experimented the carrot and stick approach to see which was more effective. One group was harsh, relentless, no fun, almost military training style of elite soldiers. The other group observed a laissez faire approach, liberal, praising them, mingling appropriately. Both groups performed almost the same without any extra head start or advantage over the other. In extreme cases where a child’s life or others are at risk, a meaningful discipline method is age appropriate and does not ‘hurt’ physically or kill them as happens sometimes. The stress and despair of the parents must never be put upon or projected on to the children. Parents with any psychological problems must seek therapy and not vent their anger on the children by harsh punishment in anger. In extreme cases children’s hands are cut off as punishment for working too slowly or taking and eating food without first asking permission. Sometimes the health of children must be taken into account for suitable punishment. To stop lawlessness, recklessness of society children need discipline important for their future self-discipline to live peacefully with others in community. 1.1994526-1

In Ghana the High Court ruled against smacking so children write apology letters. The Ho Polytechnic Basic School has instituted the writing of apology letters to replace corporal punishment in the school. Pupils now write apology letters, after a written report on the misdemeanor. So what does it mean to “spare the rod and spoil the child? This phrase “spare the rod and spoil the child means modern-day methods imply that if parents refuse to discipline unruly child the child will grow accustomed too set in ways too late to their change bad behaviour. Proverbs 13:24 says whoever spares the rod hates their children, but the one who corrects them loves them. This is not a licence for aggression and abuse of children for the slightest reason. Children lack FRONTAL CORTEX so do not fully understand life. So take time to make simple easy to understand visual images with rules to REMIND children. This can prevent forgetting rules and children will comply if the know the reasons why they are disciplined. Patents must set good examples to children.

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Afterwards, explain again why disciplined, ask for apology from the child, hug and tell child you love them as is done in the UK.  Children mimic and copy adults so some behaviours reflect on the environment and the actions of the adults who need to set better examples and not pick on children mirroring their behaviour. Parent child bonding must not be destroyed by aggressive discipline or lack of discipline. The Bible says those who love their children care enough to discipline them. Whoever spares the rod hates child, but loves child if diligent to discipline child. A lot of brat, rude, bad behaviour can be traced to children left to own devices who grow up as Dennis the menace to society and untouchable majesty the child doted on by parents who think their beloved children do no wrong. This sensitive matter means each side is equally passionate about their approach. The danger is social workers called because of discipline the law ‘criminalise’ parents for training children for their own good. Yet some grow up and freely hit by batons for undealt with childhood issues. Caring-Adult_woman-high-five-boy_web Bible says the if a child listens and is disciplined that child lives long and it is well with that child. So discipline is not to inflict punishment for cruelty but to train a child into an upstanding valuable member of society. The purpose of discipline is to teach a child to understand the human rules and laws of society to fit in as an adult. Therefore unbred child will find the world harder than the child carefully trained from home to be self- aware and have self discipline and self respect. The world is full of untrained adults who act like children and have to nannied and apprenticed when they should be leaders helping other. The chaos in society and communities is because some have festered unruly children never disciplined because of saying ” it hurts the parent too much to inflict pain” on a child. A trust worthy child is trained to fear God and respect fellow human beings and follow the golden rule. Vilifying parents for any form of discipline sends the wrong message to children who will grow up to make similar decisions in future.

DEPRESSED MUMS SINGING

Mum singing to babySinging speeds up’ recovery from post-natal depression. Singing helps mothers recover from post-natal or post partum depression more quickly study suggests. Researchers found women who took part in group singing sessions with their babies experienced much faster improvement in their symptoms than those who did not. The study, published in the British Journal of Psychiatry, looked at 134 mothers with post-natal depression. Early recovery is seen to be crucial to limit effects on mother and baby. Post-natal depression is estimated to affect one in eight new mothers. And previous studies have indicated singing can help improve the mental health of older people and those with dementia, but this is the first controlled study of its effect on post-natal depression. The women were placed into three groups:Mother and baby music group
  • one took part in group singing
  • another took part in in creative play sessions
  • a third group received their usual care, which could include family support, antidepressants or mindfulness

The singing workshops saw the mothers learning lullabies and songs from around the world with their babies and creating new songs together about motherhood. And those with moderate to severe symptoms of post-natal depression reported a much faster improvement than mothers in the usual care and play groups. All the groups improved over the 10 weeks, but in the first six weeks, singing group already reported an average 35% decrease in depressive symptoms. The Principal investigator Dr Rosie Perkins said the study, although small, was significant because it was important to tackle the symptoms as quickly as possible. “Post-natal depression is debilitating for the mothers and their families. As research indicates some women think accessible singing with their baby helps speed up recovery at one of the most vulnerable times of their lives,” she said. The lead author Dr Daisy Fancourt at University College London, said singing is another useful therapy to offer women. babies with musical instrumentsMany mothers have concerns about taking depression medication whilst breast-feeding and uptake of psychological therapies with new mothers is relatively low,” she said. “These results are really exciting as suggests something as simple as referring mothers to this community activities could support their recovery.” Dr Trudi Seneviratne, who chairs the Royal College of Psychiatrists’ Perinatal Faculty, said: “It’s exciting to hear about the growing evidence base for novel psychosocial interventions like singing to facilitate a more rapid recovery for women with post-natal depression. “I look forward to more work in this area in the future, as it will be enjoyed by both mothers and their babies.”Since the study, Breathe Arts Health Research has started running singing workshops in partnership with the Guy’s and St Thomas’ NHS Foundation Trust for women with post-natal depression across the south London boroughs of Lambeth and Southwark. Community and socialising helps overcome isolation and loneliness of new mothers. The feel good factor of singing with the babies is definitely a win- win situation lifting the mood and going out of the home helps to lift their spirit too. Isolated mothers can organise own singing sessions with friends in communities and their babies benefit too from a calm, happy, relaxed mother. If child raising is recognised or considered as a valid hardwork and to celebrate mothers and carers the world will become a better and safer place. So families must be prioritised and to help mother’s like Finland pays both parents to raise their children. Depression is caused by loneliness, pressure, stress of modern living without extended family support and children become depressed too. So it is good news to help mother’s and also to improve motherhood as an honourable collaboration with God’s idea to multiply to replenish the earth.

FOOD IS YOUR MEDICINE

A North Carolina Gospel Minister Sows Seeds of Hope in a Food Desert in USA. The Reverend Richard Joyner of Conetoe Chapel Missionary Baptist Church in Conetoe, NC, exhorts his congregants to strengthen their community. First, the Reverend Richard Joyner got mad. Then he got a trowel. Sick and tired of seeing his congregation suffer from poor nutrition, the North Carolina minister sowed seeds of hope in a food desert. ABOUT A DECADE AGO, the Reverend Richard Joyner of Conetoe Chapel Missionary Baptist Church realized he ministered to a congregation of people often hungry and living in poverty but never complained. He came up with an ingenious use of land that helped keep the young ones involved in learning about nature first hand. The Church members unfamiliar with farming in the city are educated on how to grow own good produce.  The pastor found it difficult to comfort grieving or contain his outrage: “How do you tell someone who’s just lost a child to poor nutrition that this was God’s plan when it was totally preventable? Who would hang out with that God?” Each Sunday, Joyner felt like a hypocrite, urging congregants to worship a deity he doubted. During the week, he was forced to confront the community’s health problems constantly as a hospital chaplain. After one particularly trying hospital shift, Joyner pulled his car over and began to pray. “I heard a voice saying, ‘Open your eyes and look around,’” the 64-year-old remembers. All he saw was farmland. His parents and grandparents had been share- croppers; his great-grandparents, slaves. That moment fields blanketing Edgecombe County represented not untapped opportunity but a painful reminder of the region’s racist past.

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Young people enjoy outdoors activity so this roadside epiphany directly inspired the church’s now-bustling nonprofit agriculture and education center might construct a tidy narrative. It would, however, be inaccurate. Back in 2005, when Joyner first equipped area youth with seeds and spades on a borrowed plot down the road, he simply hoped to engage kids at summer camp. The campers consumed their initial harvest, but the following year, they started delivering free boxes of ‘Hen Pecked’ mustard greens, ‘Puerto Rican Red’ sweet potatoes and the vegetables to local senior citizens. “One 97-year-old lady, she was so excited, she kissed the children,” Joyner says. “That was the first time in a long time I witnessed anybody speaking a blessing over our troubled children.” Not everyone welcomes bounty. Only a generation or two removed from sharecropping, some church elders questioned the wisdom of participating in any sort of agrarian pursuit. They remained uncomfortably familiar with Edgecombe County’s role in the South’s antebellum cotton economy. Henry Toole Clark, a Civil War–era governor of North Carolina, owned a vast plantation—and dozens of slaves here. Joyner explains prevailing concern: “Do we really want our kids going back to that?” He empathized. Then again, he’d witnessed satisfaction junior parishioners derived from the soil. Less encumbered by Conetoe’s complicated history, they were free to dig in the dirt. “They’re bringing food to people who need it,” Joyner says. “They enjoy the process. They’re playing out there.” Meanwhile, various activities on the farm like preparing beds, selecting seeds, tending crops, selling produce, tracking digital data impart valuable lessons in science, technology, exercise, economics, math, and nutrition.IMG_20180106_150511

AN AMAZING WEIGHT LOSS

Among many people’s priority resolution for the new year is the desire to lose weight. An amazing weight loss plan used by this man transformed his life to shed the extra pounds of weight in a short time. So there is hope for many more people to follow his example to lose weight too. The father-of-two lost 12 stones in under a year in remarkable weight loss effort attributed to low calorie diet. Lorry driver Adam Moffat, 44, sheds half his body mass after adjusting eating habits. The Independent Online shared this story of Adam Moffat with his wife Margaret and daughters Hannah, 13, and Holly, nine Katielee pictured here by Arrowsmith /SWNS. The father-of-two is now half the size of the man he used to be after shedding more than 12 stone in less than a year. Prior to shedding half his body weight Adam Moffat, 44, gorged on pies, cakes and daily double rolls crammed with sausages. He would scoff cakes with breakfast and lunch and would even sneak in a kingsize Mars bar before dinner.

THE GET RICH QUICK SCHEMES

A record £1.1bn in overpaid benefits was recovered from fraudsters last year

People lose millions in online ‘get rich quick’ schemes according to an article in the news once again on binary options trading. In Israel and Canada, binary options trading is illegal as Adele Robinson, the News Correspondent stated in the news. An online investment scam targeting people through social media has seen the amount of money lost by victims in the UK rise by 400,000% in six years. Figures from Action Fraud show the amount lost to “binary options” trading increased from £6,200 in 2012, to £27m in 2017 alone, with the total currently standing at £61m. Binary option or fixed odds betting are being used by fraudsters as part of a multi-billion pound industry which is believed to be co-ordinated by overseas criminals. A binary option is where you can gamble on an outcome, usually something to go up or down, with the pay-off being a fixed amount or nothing at all. One example would be to bet on whether the value of gold will be above or below a certain price and investors believe they can gain high returns on little amounts. Consumer group Which? has described binary options scam as “Britain’s biggest investment con” with illegitimate companies targeting victims through pop up adverts online and cold-calling.Frank Thornburrow believes he was conned

Frank Thornburrow was targeted through social media and believes he was conned. As an investment idea it first appeared ten years ago but the industry has grown exponentially in recent years. Detective Sergeant Alex Eristavi from the National Fraud Intelligence Bureau, run by the City of London police, says people are being defrauded on a daily basis. “There is no typical victim,” he told Sky News, “they are just ordinary folk like you and me. The youngest one is 19 years old, that we have recorded so far, and the oldest is 93, so it’s a wide spectrum. “It’s fair to say with binary options coming into play the average victim’s age of investment fraud has dropped because previously it was over 60 and now it’s early 50s. “It’s because the younger generation are taking part in this activity, and it could be easily explained as social media is a lot to do with it, the advertisements and the pop ups etc.”The City of London is home to the UK's financial services sectorThe Financial Conduct Authority will begin to regulate binary options trading this year. Binary options trading is currently regulated by the Gambling Commission but from January 2018 the Financial Conduct Authority will take over. In other countries like Israel and Canada, it has been banned completely. Frank Thornburrow from Kent, lost his life savings when he invested in binary options. He has been unable to get any money back and told Sky News that he believes he was conned. He gives one example from an email telling him that to access his money he would have to make 150,000 trades, which was money he simply did not have. “The last couple of years haven’t been easy,” he said. “I lost my daughter couple of years ago when she died of cancer. I retired and I was looking for a way of making money so I tried binary because it looked good. “And basically it was a big con, it didn’t work out and I lost a lot of money. I’ve ended up with a triple bypass, so that’s the impact it’s had on me.” There is also concern that students are falling victims to scam companies after gambling with their maintenance grants to “flip” their money, according to Action Fraud. The advice from police is that “if you don’t know the field, don’t get involved in it” as there are “so many rogue companies out there.” Which? carried out its own investigations into binary options companies and found evidence of “bad practice across the board”, with high pressure sales tactics and “unfair” terms and conditions. Jenni Allen, managing director at Which? Money, said: “We found for instance that people making a deposit had to invest up to forty times that deposit to even access their money again. “I think most worryingly found examples of where actual data being used was rigged by the company so your initial investments would return some form of profit in return but thereafter you would receive loss after loss.”