Dollar Cost Averaging In A Down Market | The Retirement Group

How it works. Dollar cost averaging is a long-term investment strategy. It means investing in small increments. Through scheduled investments of as little as $ 50 or $ 100 per month, you buy investment shares over time, as opposed to pouring a big lump sum into the market. The method is often recommended to younger investors with longer time horizons, and investors who don’t yet have great wealth.

Why it is worthwhile in a bear market. First of all, when the market drops, the investor practicing dollar cost averaging isn’t hurt as much as the lump sum investor – as the lump sum investor holds many more shares of the declining fund or stock.


Second, a stock market downturn produces a kind of “clearance sale” environment. Picture Wall Street as a department store, with signs everywhere announcing 20% or 30% off. You have a chance to buy into some top-quality companies “on sale”. As a consequence of dollar cost averaging, you can now buy in at a lower price – and buy more shares for your money.


So what happens when the market recovers? As the market rebounds, you can pat yourself on the back. You were able to buy big at the bottom of the market, and as the market rises, you will have a lower cost basis and you can enjoy the associated gains. All the while, you continue contributing to a winning fund or stock. (Of course, the fact is that a lump sum investor may profit even more from a market rebound, as he or she may hold comparatively more shares than you.)

Perhaps most importantly, you stay invested. Dollar cost averaging gives you a regular, passive investment strategy as opposed to market timing. In a volatile market, the active investor can quickly become a frustrated casualty of his or her impulses – and foolishly “abandon ship”.


You might call this a tortoise-and-the-hare analogy. The active investor sprinting all over the place for spectacular gains is the hare; you, through dollar cost averaging, emulate the tortoise. It may not be the “sexiest” way to invest, but in a down market, it is a long-term approach well worth considering.

Learn more. We have witnessed a huge downturn in stocks. The question is … how are you positioning yourself to take advantage of the markets when things rebound? This is a good time to meet with a financial advisor – to review or rebalance your portfolio, to look past the headlines of the moment and toward your long-term objectives. If you’re not currently practicing dollar cost averaging, you may want to talk about the concept with your advisor.


This material was prepared by Peter Montoya Inc, and does not necessarily represent the views of John Jastremski, Jeremy Keating, Erik J Larsen, Frank Esposito, Patrick Ray, Robert Welsch, Michael Reese, Philip Catalan, Brent Wolf, Andy Starostecki and The Retirement Group or QA3 Financial Corp. This information should not be construed as investment advice. Neither the named Representatives nor Broker/Dealer gives tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. The publisher is not engaged in rendering legal, accounting or other professional services. If other expert assistance is needed, the reader is advised to engage the services of a competent professional. Please consult your Financial Advisor for further information or call 800-900-5867.


The Retirement Group is not affiliated with nor endorsed by,,,,, AT&T, Qwest, Chevron, Hughes, Northrop Grumman, Raytheon, ExxonMobil, Glaxosmithkline, Merck, Pfizer, Verizon or by your employer. We are an independent financial advisory group that specializes in transition planning and lump sum distribution. Please call our office at 800-900-5867 if you have additional questions or need help in the retirement planning process.


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John Jastremski is a Representative with QA3 Financial and may be reached at The Retirement Group 800-900-5867


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A Beauty of Japan

Every country has some major destinations and important places on which the country’s economy depends and the city plays a vital part in the financial and economic growth of the state. These all major destinations and beautiful places are enormously popular as far as the tourism and the business portfolio is concerned. Osaka, being an economic and financial zone of Japan is one of the important cities in the country and is the third largest city in Japan as well. Being a commercial and financial zone there are so many opportunities for business people to invest their money in order to get more than their investment. Thus you can observe for yourself the ratio of business professionals who are traveling to this city through their cheap flights to Osaka and playing their part in the overall GDP of the country.


Osaka plays a vital part in the country’s economy and thus represents a role model for many other cities in the country as the city has seen a rapid and enormous development in the recent past 15 years. The city was formerly known as Naniwa which was once the capital of the country and was moved during the reign of the new emperor. Many famous rulers ruled over this city and thus there are still those old memories and monuments in the city reminding the past of the city. Thus most of the travelers who want to aware about the history of the city travel to different historical places and museums in the city and get on board by their flights to Osaka japan So many airlines are offering quality air traveling services from so many destinations and flying to Osaka as most of them are ranked among the best top ten airlines of the world including Delta airlines, Emirates airlines, American airlines, Cathay pacific and many other who have their own standards and quality services. The crew members are also very qualified and are always supportive to deal passengers in quite efficient way. Thus if you have never experience an international flight through above mentioned airlines then book your flights to Osaka or any other famous destination of Japan.


It is well said that all that glitters is not gold but if you are roaming around in the city streets during night time you will find an entire new place as the blazing city lights and dazzling atmosphere will be quite an appealing thing for you. Experiencea new destination with new tourism environment to explore local Japanese culture through your cheap flights to Osaka and to come across people of different language, color, cast and creed to interact with them and by to find out certain universal realities like all human beings are the same wherever they are from or who they are..

Last week I took my cheap flights to Osaka and found much suiting my interests.

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The Beauty of London

The UK continues to be a popular tourist destination, with millions of visitors each year. In addition to continued foreign visits, we are seeing that due to the economic downturn more and more people are going to holiday at home, so expect a growth in UK domestic trips for 2010 and beyond.

In line with these vacation trends we have put together a guide to the Top 7 Most Popular Cities to Visit in the UK, so you can pick up some ideas for your holiday break. For more details please read on!

The UK’s capital city has long been the “jewel in the crown” of the UK tourism Industry. The city is located on the majestic River Thames and there is so much to see in the city. This bustling city is well served by the underground tube stations so it is very easy to get from place to place, and discover the gems of the city which range from the Houses of Parliament, Buckingham Palace, the Tower of London, Big Ben, London Tower Bridge to Westminster Abbey and the British Museum!

London is a world centre for music, shopping, theatre, drama, literature and culture and if museums, theatre and drama are your thing, you are spoilt for choice here! You could take in a play at the National Theatre or visit the Tate Modern Gallery. Or visit the London Eye or take a boat trip on the River Thames! Or shop at Oxford Street or Regent Street! Whatever you decide to do a visit to London is a place you will always remember. Based in Lynbrook, New York and founded in 1981, Sceptre Tours is a family-owned and operated company with a philosophy of providing travelers an incredible experience to Ireland, Britain, Italy, as well as River Cruising, at the best value and with the best customer service. Sceptre specializes in offering completely customizable vacations which are bookable online in real time and offers escorted tours to Ireland, Britain, and Italy as well as river cruises, plus golf tours, walking tours, activities and group programs.


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Topeka Satellite TV Deals

Rapidly becoming extremely popular in the USA and many other parts of the world is satellite television. If you live in Topeka Kansas, we have compiled some great information about Topeka Satellite TV deals.

A vast majority of consumers prefer satellite television to traditional cable television or over the air broadcast services. Satellite television is more reliable and provides a digital signal therefore offers higher quality, a larger variety of channels, and normally affordable pricing. Another nice feature is the additional services that usually come as part of the subscription package which are normally unavailable through cable television services. Some examples of the extras could be a programming schedule, interactive programming guides, radio channels and Internet access, as well as information about many other programs. This can be all wrapped up as one satellite TV subscription package.

The Dish Network site should be your first stop for Topeka satellite TV services. The first thing to know is that you would receive 100% digital television and radio signals. Secondly, dish network will provide all of the equipment required to convert the signal into a format for a standard television.

The packages by Dish Network for Topeka Satellite TV includes more than 250 channels including all major shows, movies, news and sports channels. Just when you think there couldn’t possibly be anything else, you’ll discover parental control options are available as well which will make this a preferred provider for households with children.

One more favorite option of many Topeka Satellite TV users is the prerecording option available. This allows you to prerecord a television show or music with no commercials, which will allow you to watch them in a more convenient time frame.

As a final note, some robust promotions are running for new subscribers. One example would be two free high-definition television receivers, free installation for four rooms and a three-month free movie pack.

Another option for Topeka Satellite TV is Direct TV. Direct TV is also a major US satellite television provider. This service also includes many digital satellite channels such as news, movie or special channels. They also provide free installation, equipment and shipping to their new subscribers. As a new subscriber you will also be able to participate in drawings and have the opportunity to win gifts such as home theater DVD systems or video cameras.

Choosing a satellite TV service provider can depend on your budget and TV preferences, although you may find that prices are not that different. It’s always a good idea to ask your friends which services they prefer or you can read through some of the online discussions so that you have a better understanding of the pros and cons of both Dish Network and Direct TV satellite television services. Naturally the final decision is yours.

Here are a few basic questions you might want to ask before you make a decision:

Can I see a list of all the channels? Does the plan include local programming? Do I have to choose my programming now? How many receivers will I be able to get? Is there a contract commitment? Can I get a dish if I live in a condo or apartment? What if my homeowners association won’t allow satellite dishes? What kind of warranty do I get? Do I need a credit card to order?


Shopping In Jodhpur

Apart from seeing the fascinating forts and palaces, the most interesting part of your trip would be shopping at Jodhpur markets. The markets of Jodhpur are the rich blend of all kind of products, right from the several fancy items to crafted furniture. The visitors enjoy their best part of trip here by shopping at wonderful shops, emporium and even busy stuffy streets.

The handicrafts industry of Jodhpur is renowned all over country, it is the main source of economy of the city. Besides handicrafts the furniture manufacturers have successfully captured the national as well as international market. Many other products of Jodhpur are there, that represent the glimpse of this magnificent city.

Famous Product of Jodhpur:

Jodhpur Handicrafts: Handicrafts industry is just like the backbone of Jodhpur. Its hand dyed fabrics like bandhini and leheriya attract the visitors. You may find the decorative tie and die fabrics, ornamented on cotton and silk stuffs.

Furniture: You can buy the best quality furniture in Jodhpur to furnish your house. The crafted and fine quality furniture of Jodhpur will mesmerize you with its eye-catching design.

Antique Items: You will find the best of the antique items in Jodhpur. Pottery, carved ducks, silver paintings, metal works, beautiful wall hangings, ivory articles, sculptures, marble figures, mirrors, tinsels, beads, splendid mirrors are the perfections of Jodhpur, which can be opted as souvenirs.

Jodhpuri Breeches: Shopping in Jodhpur without Jodhpuri breeches is just like the human body without its soul. These breeches are worn with traditional Sherwani, which are the symbol of royal Indian dressing. The breeches are also worn at the time of horse riding, hunting, playing polo or with Jodhpuri or Nehru coat. Now a days these breeches are treated as the fashion symbol.

Except these products, footwears, Mathaniya’s red chillies, silver jewelry, turbans, lehengas, camel leather products, embroidered clothes, mojiris are the specialty of Jodhpur.

Famous Markets: Sojati Gate, Station Road, Tripolia Bazar, Mochi Bazar, Nai Sadak, Clock Tower are the famous markets of Jodhpur.

Famous Shops of Jodhpur: Ajay Art Emporium, Handloom House, JG Art & Crafts, Kaman, Krishna Art & Crafts, Maharani Art Exporters, Rani Handicrafts, MV Spices, Rajasthan Arts & Crafts House.

Plan Rajasthan Tours and enjoy the memorable Jodhpur Travel.


Beauty of the Fall

The trees and foliage of fall as well as the wonderful earth tones are few beautiful things which hold a special fascination to most everyone.


The peak times to view these beautiful colors of fall vary, depending entirely on where you live. Knowing the approximate time when the colors will be at their best, allows you to plan your colorful field trip.


Northern Midwest/Great Lakes Region – The fall colors will peak in this region around the first week in October. This region includes the states of Wisconsin, northern Minnesota, the northern Michigan peninsula, and northern Michigan.


Northeastern United States – Normally the fall colors will reach their peak for most of this region early in October. New Jersey, Connecticut, Rhode Island, southern New York, and southern Massachusetts will peak in late October.


Southwestern U.S. – In the southwestern United States the fall colors will peak around the 15th of October. This region includes northern Arizona, New Mexico and southern Utah.


Pacific Northwest & California – Washington, Oregon, and northern California will generally peak in mid to late October. This includes Napa, Lake Tahoe and Yosemite National Park.


Midwestern United States – Iowa, Illinois, Indiana, southern Minnesota, Ohio, Pennsylvania and West Virginia will strut their best colors around mid October.


Southern United States – Kentucky, Tennessee, Virginia, and North Carolina will generally display their best colors in late October. For Northern Georgia, Alabama, Arkansas, Mississippi and South Carolina the peak will be in early November. Usually just before Thanksgiving.


Fall is a great time to plan a family road trip. Not only are the colorful trees and foliage a spectacular sight, there are many other great activities to enjoy.


Many communities throughout the United States host Corn Mazes, Haunted Houses, Hay Rides or other fun family activities. Take time this, and every year, to enjoy the wonders of the fall season.


For more gardening tips and information visit the URB Garden Blog.
For quality lawn and garden products visit the URB Distributing website.


Get Best Mobile Phone Deals – Buy HTC Snap

The HTC mobiles phones are simply awesome! The HTC Snap is one phone which has taken the concept of “on-the-move-communications” to a totally different level. HTC is a mobile manufacturer based in Taiwan. Their specialty is the Windows-powered handsets. All the phones come with PDA devices. Several models have created an impact among the gizmo lovers. Some which have claimed their ways to fame include MteoR, P4350 and S710. These are popular among users all over the world.

The HTC S710 is small and compact. But as they say that all good things come in small packages, and so this is no exception at all! The auto sliding keyboard along with enviable features like Window Mobile 6.0 are simply too much. The sleek design scores an extra point in the looks department. The Windows 6.0 has impressed all the corporate biggiwiggies. Now you can view any of the important documents at any time of the day. It is as if you are carrying all your files minus the extra burden! The Windows Live application allows the users to check and receive emails and surf the net without much difficulty. Wireless connectivity and the Bluetooth connection are two features that make it all the more desirable.

The HTC P4350 is equally stylish. But one cannot forget that this is one of the fewest quad-band PDA phones in the world. Good connectivity allows the users to download and transfer all kinds of contents in usual broadband speed. The PDA is known to support the Stereo Bluetooth. Music lovers will be enthralled by this creation. The GSM camera mobile is an added feature. The TFT LCD screen and the Window Mobile 5.0 increase the value of this phone. As for the design, this compact phone will score a brownie point in the looks department. The Mobile 5.0 direct push technology allows the users to synchronize without much difficulty all the documents and emails stored in the phone.

The gorgeous looks, attractive features and the latest technology-all three make the HTC mobiles extremely desirable! Life is on the fast track. Now your phone does all the organizing and the special HTC Inner Circle will keep you connected with the few people you want to talk and chat! The HTC Snap is all set to impress the users with QWERTY keyboard. Now texting is faster and your messages will reach your loved ones at no time at all! The sleek design is the crowning glory. So what are you waiting for? Take a look and get your set today.

Find mobile phone deals at DialToSave. Deals include HTC Snap at very cheap prices.


Bp Group

London equities traders were once more focused on the implications of deals on the market on Monday, with shares in BP topping the FTSE 100.
BP agreed on Friday to form a joint venture with Russia’s largest oil producer, state-controlled Rosneft, to develop three massive offshore exploration blocks Rosneft owns in northern Russia. As part of the deal, which comes four months after BP plugged a blown-out well in the Gulf of Mexico that caused the United States’ worst ever oil spill, BP will swap a 5 percent stake in itself for a 9.5 percent stake in Rosneft.

BP is mostly British AND American – 40% shareholders are British and 39% are US. Thus 21% are owned by shareholders in a number of other countries. Hence, it is, arguably, not a British or American company in the true sense but a multinational one.

Note also, while the CEO is British, the Chairman is Swedish.

While the parent company of the BP plc is registered in Britain, different parts of the BP Group are registered companies in different countries, including the USA, Britain and Russia, to name just three.

BP said that it will explore Exploration Permit for Petroleum (EPP) areas EPP 37, EPP 38, EPP 39 and EPP 40 covering an area of 24,000 km2 for oil and gas reserves, with the right to develop any commercially viable discoveries. This is a material and early move into an unexplored deepwater basin, said Mike Daly, Executive Vice President of Exploration for BP. The Ceduna Sub Basin is a very exciting new exploration area for BP. Our experience tells us that the geology has a high potential for containing hydrocarbons, added Dr Phil Home, Managing Director of BPs Australian upstream oil and gas business. BP said that the proposed exploration activity would be phased over 6 years and, as part of the regulatory approval process, would be subject to detailed environmental assessment.

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American Women’s Fashion

Looking at pictures which are undated, chances are we could still place the period of time by the fashion worn on the pictures. Fashion is a virtual timeline, distinguishing one generation from another and yet, has the ability to return back from time to time.

Fashion has a great influence on American society. These are the trends that are seen as designs seen their way to the masses. American culture is pre-disposed to be “in-style.” Those who set the benchmark of style have changed through the years. But no period saw greater changes in style than the twentieth century.

The early 1900s fashion was influenced by the introduction of that great American icon, the automobile. The women dresses that time included the dustcoat to protect their clothing from the dirt coming off the road. In 1920s, women’s fashion shifted to the “flapper style” complete with short, simple fringed dresses and long pearls.

Then during the Depression Era, fashion style greatly changed. No longer was material a luxury. That time, women wore what they can find and afford. In the 1930s, movie stars set the women’s fashion. During the war years, a trend of uniform-like sophisticated clothes which included padded shoulders, short skirts and a close tailored look became popular.

The 1950s saw the return to the full skirt and cinched in waists. Hollywood started it all by such movie stars as Marilyn Monroe after which they pattern their clothes. No one was ever more influential in women’s fashion than the First Lady Jacqueline B. Kennedy when in the 1960s, women everywhere began wearing the pill box hat that Mrs. Kennedy popularized and emulated by them.

1970 fashion was about loose and comfortable bell-bottom pants and the tie dye. Discotheques mushroomed and did not go out of the scene until the end of the century. The disco fashionistas influenced an entire generation of their choices of clothes.

In the 1980s Madonna hit the scene. She changed the music world and the fashion industry. Her leggings, skirt, off-the-shoulder sweatshirt, headband and bracelets were all emulated by young girls.

The 1990s were different. In vogue then were sleek and sophisticated acid-wash jeans were young people wore throughout the decade.

Throughout the century, fashion has changed in almost everything except its name. What was then the turf of some privileged few has become an area in which all people enjoy regardless of status. The past art of hand craftsmanship which was then out of reach of the ordinary folks have gradually changed. But what has been influential in these changes can be attributed to outside forces such as the present political conditions or beliefs among societies in which women take part in.

Today the present capital of women’s fashion is New York City. Paris was then the center of fashion until America came out the leader of fashion. Fashion has evolved into something that is no longer dictated by society. It is now accessible to all people.

If you want to know more about fashion or maybe you have a celebrity fashion icon in mind, you can check this link:

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Iphone 4 deals ? Cool mobile , hot deals and best Deals

In the series of Iphons from Apple , iphone 4 is the latest and of course the most advance one. This mobile phone is released under almost all service providers’ mobile phone deals in uk. This mobile phone is the result of years of work and experience. You will do nothing but praise and get amazed with the meritorious job apple has done to develop this mobile phone, IPhone 4. As told earlier this mobile phone is available under all kind of deals with the network companies in uk, like Vodafone, virgin, orange etc.

The most preferred deals of today are O2 Iphone 4 deals. O2 in its contract deal is providing it consumers, 6oo minutes monthly talk time and free monthly unlimited text messages,1 GB internet allowance and Apple Iphone 4 for insanely cheap prices. Beside this orange iphone 4 deals are what people are liking the second best. There are various attractive offers on T- Mobile Iphone 4 and Vodafone Iphone 4 deals as well. Now let us have a quick look on the features of this most talked about mobile phone. This mobile phone has got a 9.3 millimeters thin, body with a gorilla glass display, which is a touch screen and scratch resistant display. With black casing the looks are great of this mobile phone.

This mobile phone has got world’s most advance web browser- Safari, that makes it enable to securely access corporate intranet resources and help you in muti-tasking like checking emails with a single tap. Not only has this you can record high defined videos through this mobile phone. This mobile is available in two models, one has got an internal memory of 16 GB , with the same features you can get the same mobile in 32 GB internal memory if you find the former space is not enough for your daily work.

Author is an expert in Telecommunication industry and contributes his valuable thoughts for telecom industry readers. Get Latest Updates on iphone 4 Contract deals and Other Offers iphone 4 orange in UK at

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Buy Model N96 – Get the Best Nokia Deals

Nokia is a brand that is synonymous with quality, authenticity and features that are undoubtedly the best in the competitive market today as well as affordable by most. The flagship Nokia N95 and N95 8GB were great mobile phones with some of the best features that you would normally expect from a mobile phone. But the latest N96 goes even further. It offers you extraordinary features that you always expect their models to have as they are among the market leaders. Much to the disadvantage of its competitors in the already crowded market, their hand sets are simply no match for this newest offering from Nokia – the model N96.

The first thing that strikes you as you pick up one of this model is its sheer brilliance and quality. Though you normally associate quality with all the sets from Nokia, this is going to take your breath away for sure! The best part is that it is great from inside and outside equally. This is something you will realize as soon as you check it out in your nearest Nokia store. It has a 2.8″ display unit and a unique “double-sliding” feature. You can simply side in upwards and get the media control tools or slide it downwards and get the numeric keypad! It also has a ‘desk stand’ built at the back for keeping the phone down at angles that help good viewing and multitasking on it.

If you are wondering about the memory of this set you will be simply stunned. It is as huge as 16 GB. It also has an expandable memory 32Mb. This is the best answer for your overcrowded video and music albums that you do not want to delete ever. The set can also act as a TV because it is built with something called DVB-H receiver. Beside this you can also go for hours of video streaming from your favorite websites. The camera fitted with this set is of 5 mega pixel and it has the world’s best lenses from Carl Zeiss optics. There are more features that this mobile phone camera has and this includes features like auto focus, auto control, auto exposure, dual-LED camera flash, recording indicator, auto-focus assist light etc.

Being a hand set which is created keeping in mind the multimedia demands of the customers, you can save data, video and audio in any form that you like. It supports full flash, a complete web browser, FM radio, GPRS, 3G, WLAN, EDGE, Wi Fi, Bluetooth and much more! The set supports all Nokia maps and navigational facilities. You can download free maps for 150 countries at the same time! There are millions of locations, city pointers and satellite images to make your journey trouble free and safe. This is a gadget that travelers like across the planet. It is a handset which is a part of the other Smart Phones introduced by Nokia to replace the conventional phones. With high end connectivity, complete entertainment options, compatibility with other formats and operating systems, and full feature navigational systems in place, this hand set is one of its kinds in the world made for those who love to have the collect gizmo in their pockets as well as for those who like multitasking all the time!

Incomparable prices for Nokia phones at DialToSave. Deals include Nokia N96 at very cheap prices.


Health Tips

Reducing cough
Getting rid of cough becomes a problem sometimes. Here’s an easy tip you can try and probably get rid of the cough. Mix some salt with few whole black peppers. Take a pinch of the combination with water. Don’t forget to take this thrice daily.

Reduce Anxiety
While mild anxiety can increase interest and attention, high anxiety can impair attention and concentration, and therefore, limit the recall of learned material. That is why, if you are too anxious during a test, you forget what you earlier knew very well. Actually, your memory is okay but anxiety is interfering with it. So try reducing anxiety.

Cleaning Eye Makeup
A petroleum jelly or a cold cream can be used to remove the stubborn eye makeup. It is a very economical method which even works on waterproof mascara.

Menstrual cramps
To get relief from menstrual cramps peel a few garlic flakes, fry them in butter, cool, add sugar and swallow a couple. Find relief in 15 minutes.

Mask (normal/combination skin)
Mix one egg, half teaspoon oatmeal and a teaspoon olive oil until smooth. Apply on your face and leave for 15 minutes. Then rinse. It will help refresh your skin.

Oil Hair
If you are always complaining about the excess oil produced naturally in your hair then you can use the following tip.
Use three teaspoons of lemon juice in your hair after shampooing it. Then wash it thoroughly. Use this twice a week for better results.

Garlic and Pimples
It’s been ages and the pimples on your face do not seem to go away. Instead of worrying about them, do something about it. Take garlic extract and apply it on them. This not only helps to get rid of them but also removes their marks.
Body odor
Body odor due to sweating becomes a big problem for many people. To get rid of this odor, add some Alum in the water you are using for bathing. Its effects will hinder body smell.

Memory Improvement
There are many ways of improving your memory. Shortage seems to increase if we pronounce the names of the items out loud- especially if they are grouped rhythmically. Grouping items into threes or fours also seems to aid recall.

Castor Oil
It is rich and thick oil used in hair oils and eye cleansing creams. Use it often for hair growth and dark thick eyelashes.

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How to Be Righteous

The subject of righteousness can be a confusing topic. Through Romans 3:10 states that no one is righteous, yet we find people called righteous in the Bible. The prayer of a righteous man is powerful and effective (James 5:16) If no one is righteous, whose prayers will be answered?

The Lord himself tops all those called righteous in Luke 23:47. Mortals on the list are Joseph, the husband of Mary who gave birth to Jesus in Matthew 1:19, Simeon who blessed the Christ child in Luke 2:25, Abel in Hebrews 11:4. Noah is called righteous in Genesis 6:9, Cornelius in Acts 10:22, Lot in 2 Peter 2:7. David was called righteous in First Kings 3:6. Rahab also has this honor in James 2:25. Though a prostitute, she was justified by her righteous deeds when she welcomed the messengers and sent them out by another way.

Noah is called righteous in Ezekiel 14:12 and two others are added to the list. The word of the Lord came to me. “If a country sins against me by being unfaithful and I stretch out my hand against it to cut off its food supply and send famine upon it and kill its men, and their animals, even if these three men, Noah, Daniel, and Job were in it, they could save only themselves by their righteousness,” declares the Sovereign Lord.

There are many verses in the Bible about the righteous, especially, in the Old Testament. Why does it say some individuals are righteous when no one is righteous? How do we make sense of this? Obviously, “Righteous” is a relative term. No one is completely righteous except God. We do not have righteousness in and of ourselves, we are credited with righteousness by our faith.

Abraham believed God and it was credited to him as righteousness (Verse 3, Chapter 4 of the book of Romans.). It says, “The statement it was credited to him was not written only for Abraham’s sake, but also for our sake, to which it will be credited, those who believe in the one who raised Jesus our Lord from the dead” in 4:23-24.

When the faithful to God who are members of his New Testament covenant are compared to unbelievers, we are called righteous. When we are compared to God, we are sinners. To be righteous simply means that we do what is right. We cannot do right with our own power since we have no righteousness of our own. We must depend on the righteousness of Christ.

When the direction of our life is continually following the instructions in the New Testament, and we are relying on Christ for our salvation, Scripture declares us to be righteous. The ones who are called righteous in the Bible were obviously highly esteemed by God, but that is true for all faithful members of his covenant.

You will notice that everything said about the righteous is positive. Jesus called his followers the salt of the earth and the light of the world in Matthew 5:13-14. He is depending on us to spread the word of his glorious gospel. I tell you the truth, whoever hears my word and believes him who sent me has eternal life and will not be condemned; he has crossed over from death to life (John 5:24).

The Lord knows that mankind cannot fulfill every requirement for salvation. We are not under law like those of the Old Covenant; we are under grace, according of 6:4 of the book of Romans. We are still required to make every effort to keep his rules, but when we fall short, the blood of Jesus makes up the difference. When we cooperate with him as he works to make us complete, we are accounted as righteous. If you are one of those that has trouble understanding the teachings of the Bible, you need the book, “Climbing the Heavenly Stairs,” that explains the requirements of salvation in simple language. Learn more at:

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Buying Software on Craigslist – How to Get the Best Deals

Are you in need of computer software? If you want to save money, you may turn to to find the best deals. How can you ensure you get a good deal?

Download a Free Craigslist Search Tool

To perform a traditional search on, select your state and city, such as New York City. Look to the left-hand side of the page for the search box. The search settings are automatically set to search for sale products. All you need to do is enter in a search. Good examples include Norton’s or Photoshop. However, you are only searching your local city page. Software is small and can be shipped. In fact, some programs can be downloaded right from the internet. This gives you the option to do more than shop locally. does not allow entire site searches, but free search tools do the job for you. You can search all of Craigslist, entire states, or multiple cities at once and with ease. They can help you find the best deals and within seconds.

Read All Headlines and Listings Carefully

After performing a search, you will get a list of headlines. You can start with them to find the best deals on software, like Microsoft Word, Photoshop, or MacAfee. The headline will tell you the product being sold and the price. Automatically bypass those that are too high in price. With software, you will get many mixed results. A new computer typically comes with many free trial versions of software, like Microsoft Word and Norton’s. You only need the software, not a new computer, so bypass these listings to find the best deals on software only.

Ask Questions

Buying used computer software can save you money, but there are some risks involved. Many programs, like anti-virus programs, have a restriction on the number of computers used. For example, an anti-virus program may work on only two computers. After that, a new registration key must be purchased. If buying used software, be sure to ask about this. Since many retail stores don’t accept open software returns, your best bet is to buy from someone who mistakenly bought the wrong program and is reselling to try and recoup some of their expenses. When asking questions about installation and prior use, try and haggle a lower price to get the best deal.

Download the Craigslist Reader to search cheap software on Craigslist. Visit Motion Technologies, your home for free searchable software for classified websites, including Craigslist.