Education refers to the systematic process of gaining knowledge and skills through study and instructions. The person providing the instruction is known as teachers. And, the person who receives knowledge is called a student. It is important because it is used to mitigate most of the challenges faced in life.
Education, if looked at beyond its conventional boundaries, forms the very essence of all our actions.
It is a very vital tool that is used in the contemporary world to succeed.
The knowledge that is attained helps open doors to a lot of opportunities for better prospects in career growth. Education is not all about studying and getting good marks. It is a means to discover new things and increase our knowledge. An educated person has the ability to differentiate between right and wrong. It is the foremost responsibility of a society to educate its citizens.
Focus should be on women’s education because the knowledge and empowerment of one woman can bring about a change in a family and even the society as a whole. It is said,” You educate a man; you educate a man. You educate a woman; you educate a generation.”
A person becomes perfect with education as he is not only gaining something from it, but also contributing to the growth of a nation. We must aim to ensure that each citizen of our nation is educated and independent.
An educated person is an asset for any country. We must realize the importance of education. In today’s world, human capital is considered the best national resource. On one hand, he can explore better opportunities for himself, and on the other hand, the entire nation would get benefited from his works. We must realize its importance. The power to change the mindset of people is Education.
Developing a country needs awareness and practicality. What is the use if we are educated, yet are not able to apply our knowledge? Even people with high grades are not able to answer a simple question like ‘Who is the President of India?’. People get educated to develop themselves. Awareness and usage of person’s brain brings about 85% of development… education brings the rest! It results in raising income, improving health, promoting gender equality, mitigating climate change, and reducing poverty. In short, it has the power to make the world a better place. These days the concept of day boarding is also getting up. It helps parents to continue their jobs and children can get the best education at the school and they can develop as a better person.
Body decorations as well as jewelry appeared not necessarily out of the need to show some form of artistic manifestation, but rather to express religious respect. How could man actually stand out by looks and attitude in front of the “gods” on a special days? From such a perception to actually using body jewelry, there was only a small step to make; beaded necklaces were definitely among the easiest to manufacture, since round shapes have always been the most common in all societies.
Either plant seeds or small stones were at the base of the very first beaded necklaces; it was only later that gems or semiprecious stones, pearls and choral pieces came to be used as well, though they definitely required a more intense production process. Most necklaces which are beaded were attributed a ritual function: usually protection against evil spirits or disease. Turquoise stones, polished shells, jade and even bones were used to the matter.
Where are Beaded Necklaces today? Well, there is no longer a ritual function to be associated with them; however, they have extended their decorative function so much that jewelry manufacturing is considered one of the most profitable businesses nowadays. Produced in mass collections or hand-crafted, Necklaces with beads are important apparel accessories for both men and women. Presently, they are sold in the most common jewelry shops or online, and for prices that start at just a few bucks to get to hundreds of dollars.
Though for men, beaded necklaces come in somehow limited variants, they are nevertheless in the popularity tops. Sports and casual wear are usually the type of clothes that men associate with beaded necklaces, and they are usually short and worn close around the neck. Not the same thing can be said about women and their beaded accessories, since there is such a wide offer one really finds it difficult to choose. Worn tight or loose, with elegant fancy dress or casual wear, beaded necklaces make a woman feel glamorous.
Almost nothing of the ancient symbolism is still preserved with beaded necklaces nowadays. The only touch of esoteric meaning consists in the association of certain semiprecious stones with an astrological sign. The natives born under that sign would accordingly be protected and energized when wearing some form of crystal beaded necklaces for instance. Yet, one can never be sure about how much of the mystical charge is true, and how much is a pretext to sell more jewelry items.
Phoenix is not your type of place that releases happy housing reports. That’s why everybody pays attention at news stories talking about a positive Phoenix real estate market. In June last year, Phoenix saw the liveliest resale movement in six years. It helped raise total property sales. In June alone, there were over 10,500 sales of existing and new houses, including condo units, in the metropolitan areas of Maricopa and Pinal counties. The figures were 8.3 percent from May and 1.5 percent from June. Starting in 1994, sales have been rising at 1.8 percent at the average from those months.
How long will this rosy Phoenix properties picture last? The future looks bright, so far. But until when nobody knows. What’s sure as of now is that Phoenix real estate investors are taking advantage of the boom, whether in the market for new homes, condo units or in Phoenix second homes.
Must Buyers Wait A Little Bit Longer?
The news is uneven as far as prices are concerned. In June, buyers in the Phoenix area paid $122,900 median for all resale and new condo units or houses. This is up 2.4 percent from the previous month 12 percent off from last June. This seems to support the argument suggesting that buyers must wait a bit longer before making a purchase. A sobering fact, however, is that the Phoenix’s June median was close to 54 percent lower than the $264,000 peak in June of 2006. It was the time when property buyers were willing to pay any price for a home.
As everybody predicted, distressed sales played a big influence in increasing the data, with investors and buyers even from abroad were rushing to grab properties at huge discounts. It was a good time for both the buyer and the Phoenix realtor. What’s distressed sales? They are short sales and foreclosure resales comprising 64 percent of the resale market in Phoenix.
First-Time Buyers Falling Behind
The share of Phoenix real estate investments bought fell from the early part of last year, but it has been up since last June. The cash buyers’ share showed the same trend, at 41 percent last June. Continuing to fall behind are the first time buyers, with small down payment mortgages with the backing of the Federal Housing Administration. But despite reports of distressed sales, there is high possibility of a slight rise in prices, although a falling inventory seemed to be a factor – it was 11 percent down in Phoenix in June from May. Filings for foreclosure in Phoenix and other cities are also falling. This is either because of saturation in the market or due to some legal problems. This could change, however. Phoenix brokers all say that competition is increasing for distressed deals.
Phoenix Home Buying Made Easy
Whatever the future of the Phoenix real estate industry is, buyers need tips to make it easier for them to pick their dream vacation home.
Think of how you will benefit from the new home. What’s the reason you want to buy a home in Phoenix? Is it for family use only? Do you plan to rent it out on days that you are not using it? Do you want a villa type or one with a modern design that reflects your personality? Although you can buy a Phoenix property by yourself, you will save a lot of time and effort if you get a realtor because of the every-dynamic real estate trends in Phoenix. A realtor knows the ins and outs of the real estate business. She knows where to go and whom to approach. She can also help you with looking for prices that are within your budget.
In my experience as President of SmartServ Solutions, I come across many new clients each year. Most new come to us as a result of my snazzy advertising or through a referral from one of our existing clients. Still others come because they are looking to get a bigger tax refund. I am all for getting the most money back from Uncle Sam. That is, the most legal money. In recent weeks, I have come across a large number of previously filed fraudulent tax returns from 2005. It is a very disturbing trend occurring in the tax preparation business. Before I explain what is going on with the fraudulent tax returns, I would like to give a brief overview of the different types of tax preparation companies. I would classify the tax preparation business into three major categories:
The large faceless tax franchises
Most of the large franchise tax places hire seasonal part time workers who are moonlighting for extra money. They receive training each year from their corporate offices on the new tax laws, but tax preparation is not their primary profession. This leads to in many cases sloppy work and missed deductions. Most of the franchise tax places close down after April 15th.
Independent tax preparation and accounting firms
Independent firms are typically small firms where tax preparers work year round and additional support staff is hired during tax season. Many of these types of firms stay open all year and supplement the rest of the year after tax season with related financial service businesses like accounting, mortgages, investments or insurance.
The “guy” or “girl” who gets big tax refunds
These people are everywhere. They typically work out of an apartment or small store. Their reputation for getting extremely large tax refunds has spread like wildfire. Everybody either knows this person or someone who goes to someone like it. Their offices or apartments are usually standing room only and people will wait hours and hours just for a chance to get their taxes prepared here. There is an unfortunate reality about this type of outfit. An income tax return can be easily manipulated to create a large “temporary” tax refund. I will get in to the reason why I say “temporarily” shortly. Some people actually get and deserve tax refunds upwards of $10,000, $15,000 or even $20,000. The right combination of children, babysitting, mortgage interest and taxes, large withholdings and education expenses will in many cases create such a large tax refund that is legitimate. However, there are many unscrupulous tax preparers in this category who illegally add some or all of the above deductions and credits to anyone’s tax return.
The sad truth is that the IRS will send you the money if you file a fraudulent return claiming an undeserving refund. The IRS is a slow moving big government bureaucracy. They may move slowly, but they do move. They have the capabilities of catching up with most of the tax fraud that is out there. It usually takes them a year or two or three after a tax return like this is filed, but they do catch those involved. What most people who utilize these types of tax preparers fail to realize is that they are completely responsible for the tax return that they file. A defense of “my tax preparer did it” or “I didn’t know” isn’t good enough for the IRS. Once you are caught filing such a tax return, you will be subject to pay back all of the money that you received illegally plus penalties, plus interest and possibly fines. And the IRS will get their money. They will use their power to place a tax levy against fraudsters which will give them the right to freeze assets like bank accounts and garnish salary. This is why I call an undeserving tax refund a “temporary” one. The IRS or State Department of Taxation also has the power to seek jail time if they find that there was fraud committed. Obviously, the unscrupulous tax preparers don’t tell this to their unsuspecting clients. I truly feel bad for these people. Most of them don’t understand the implications of filing a false tax return. I have met many people who have had their lives ruined by such circumstances. Life is too precious and it is not worth ruining your life for an extra couple of thousand dollars on your tax return that you don’t deserve. One tell tale sign that your tax preparer may be committing fraud on your tax return is that they refuse to sign the preparers part of your return. A tax preparer is required by the IRS to sign your tax return if they prepared it for you.
I want to personally caution all taxpayers of filing such a fraudulent tax return in order to receive an unjust refund. There are many legitimate deductions and credits that are available that can be found if you look hard enough. Please choose a tax preparation company who will go the extra mile for your interests while not putting your financial future in jeopardy by getting you in trouble with the IRS.
Yes, of course it does, but as much as it should?
When you think of the number of travel directories and websites available to travelers you would think that this is a world free of the normal conventions of business but unfortunately it is often bound by restrictions that travelers would not appreciate. Pricing of travel is one of the conventions that are not yet totally free of restrictions and understandably so due to distribution considerations.
Travel businesses using the traditional distribution chains for the sale of their products need to allow for the payments of commission to various levels of middlemen, Inbound Tour Operators, Wholesalers and Retailers, all who need to take a percentage for their efforts in enabling travel services and products to reach the consumer.
Websites however, reach directly to consumers and enable them to make direct bookings with travel providers but they can still incur the costs attributed to these middlemen. But, to place a two-tier price for each product could deter the agents from representing products so a new way had to be found. This is where TopTravelSites stepped in with their newly developed service for the travel provider who wants to continue with the traditional supply chain but also wants to encourage travelers who are comfortable with making their own arrangements directly with providers and who do not need the services of travel agents, just the internet.
The service called TopTravelVouchers gives travelers a ‘fair fare price’ on direct bookings but the provider still incurs the cost of commission.
This new price format is achieved by the travel operator issuing a voucher in exchange for marketing, promotion and deliverance of travelers directly to their websites to make their bookings. The voucher is sold to travelers at deeply discounted prices to their redemption values enabling the traveler to be the beneficiary of a ‘nearly net’ price for the travel package or service. The operator of TopTravelVouchers does not have the normal costs that are attributable to retail and wholesale agents such as shops, reservation systems, brochures and high staffing and is thus able to encourage travelers to book directly with their clients and to get a price saving for their efforts. It is in effect a travel agent that does not sell travel, only travel vouchers, which are to be used towards travel purchased from the travel companies who are participating in the service.
Many travel businesses do not use middlemen, often due to the small size of their travel operation, but they would still be prepared to pay a commission or fee for a referral or a sale. They still need to make travelers aware of their products and services and to be able to offer encouragement and a reward gives them an opportunity to reach out to travelers who prefer to deal directly with operators.
There are thousands of smaller travel businesses around the world ranging from B&B’s, Family Boutique Hotels, Small Tour Operators, Adventure and Eco Tours that are rarely seen by the vast majority of travelers. These operators are not found in the glossy travel brochures or represented by travel agents but they often have excellent products and services which can be seen on their websites. Many of them are willing to pay a commission to a seller of their products but are not able to get travel agent representation. This new voucher system allows them to encourage and reward travelers who prefer to handle their own arrangements directly with the operators by offering a price that reflects discounted commission costs and thus savings for the do-it-yourself traveler.
TopTravelVouchers sell at three price levels according to the savings on each: $30, $50 or $100usd or equivalent currency if purchased outside of the USA. They may often be purchased in multiples, benefiting families or groups and at the time of this article there was a voucher costing $100usd with a value of 1,500euros (around $2,000usd) offered on a small ship cruise in Greece that is also a small travel operator not normally represented by the agency system.
Travelers are given 100% money-back guarantees if the vouchers are not used within 1 year of issue but maybe this should be for two years as the vouchers are normally valid for 2 years. Even after the completion of travel and travelers are unhappy with the quality, the voucher cost is reimbursed by TopTravelSites and the problem taken up with the travel operator.
It is obvious that this service will only work for TopTravelSites if supported by the world of travel providers who need to expand their representation as the retention of only a small percentage on each sale needs to be followed by high volumes of voucher sales but it is a unique service offering benefits to both travelers and the smaller travel businesses in the travel industry utilizing the logical use of the internet for direct bookings.
The Best Western, Costa Rica
Rating: 3.5/5 Stars
It was only 15 minutes away from the airport and right in the middle of the city. I felt as though it was a nice transition from being in the U.S. to being in a different country since it is a big, international hotel chain. Everyone we spoke with spoke perfect English but they were also locals so they were open to sharing any advice you might need. The rooms were pretty average and clean with a great view of the courtyard and pool area at the center of the hotel. We swam in the pool during the day (very clean and well kept) and the hot tub was located to the side, a little more private, with an ‘infinity pool’ kind of feel. Overall, it was a simple hotel that offered just enough for us.
Lomas del Volcan, San Carlos
Rating: 4/5 Stars
To this day, it has been one of the most unique and memorable places I have ever stayed. It might seem sketchy when you have to go off the main road and drive up this dirt trail on an incline for a bit, but then you reach a normal road and it takes you right to the main hotel site to check in. The staff was attentive and welcoming. It was a simple dining center, both indoor and outdoor with a terrific buffet. From there, we had to keep going up the incline and walked with our luggage to our own huts. (unfortunate downside: no one carting you around the resort) Towels shaped into flamingos were propped up on each bed accompanied by rose pedals. The bathroom was very large and open which was nice when sharing with others. We had a little front porch and a back porch opening up to all the beautiful surrounding nature. When we would head out in the mornings there would be monkeys swinging around the trees, right outside our hut!! It is also very close to all the near by activities, right off the Arenal Volcano!
Condovac la Costa, Playa Hermosa
Rating: 4/5 Stars
We stayed at this large resort right off the sandy beaches. There is constant uphill and downhill traveling so you’re in for a good work out but luckily there were golf carts roaming around to help guests get around. The welcome desk was very pleasant, with tons of people around to assist you. The rooms were okay, not completely 4 star worthy, but it was everything else that made me give it this rating. They had a tennis court, game room, pool area, karaoke, infinity pool, zumba lessons, salsa lessons, a great restaurant, gift shop and most importantly: their private beach entrance which only lead you to do more! We barely even stayed in the hotel room the amenities kept us so busy. We had no problems with anything here! Highly recommend.
Are you searching for a travel agency school that will teach you all you need to know about starting a travel business and becoming a travel agent?
Does the intrigue and romance of the travel industry sound fascinating to you? Can’t you just picture yourself basking in the culture and fine cuisine of a faraway land that you’ve e only dreamed of traveling to? Or relaxing on a tropical beach while sipping frozen cocktails, mesmerized by the sound of crashing waves on the powdery, white sand?
You may call this vacation, but many home based travel agents are combining pleasure with business and taking what they often call “paycations”. Upon becoming a travel agent anybody can build a lucrative income and enjoy the amazing fringe benefits that home based travel agents enjoy, including
- Discounted travel
- Commissions on their own travel (and all other travel booked on their sites)
- Tax deductions on their travel expenses
- Even free trips
Due to the popularity of online booking sites, becoming a travel agent can be an inexpensive and easy venture. Along with receiving a fully operational online travel site, you can learn everything there is to know about marketing and operating a travel business by enrolling in an online travel agency school.
Those who are already working another job enjoy the fact that becoming a travel agent doesn’t need to be a full time undertaking. Several factors have made it possible for home based travel agents to create full time success on a part time basis. Consider these facts
- Online travel sites provide a self-serve business model, becoming a travel agent no longer requires the agent to research or book travel for customers
- As a result of the paradigm shift created by online travel booking sites, starting a travel agency no longer requires a brick and mortar storefront, or employees
- Many companies allow their home based travel agents to choose the level they wish to reach in travel agency school, more education equates to higher commissions
- Once enrolled in a business, anyone can attend travel agency school on a part time basis
Does the thought of becoming a travel agent sound appealing to you? Well, you’re in for a pleasant surprise. You see, many home based travel agents have built businesses with companies that offer a guaranteed income. Yes, you read it right, guaranteed income! Up to ten thousand dollars in the first year, even for those who choose not to attend travel agent school!
If the thought of starting a travel agency appeals to you, there has never been a better time to go for it. Just think, a total business in a box, full support, access to online travel agency school, and even a guaranteed income. How can you go wrong?
Do you think you may need a Phoenix civil rights attorney? Are you being harassed at work? Have you complained repeatedly, and are still not being taken seriously?
Harassment is a very real problem that many people suffer from-usually at work. A person who is harassed because of their gender, race, religious beliefs, sexual orientation, etc. may have tried bringing the problem up with a supervisor, but do not see any change in the behavior of the harasser(s). Unfortunately, this is a catch 22 situation, as quitting could cause serious financial hardship in the current economy, yet staying will result in endless upset for the victim, or even being fired for “complaining” excessively.
If you’re a victim of a similar circumstance, any Phoenix attorney would tell you that you may not be fired legally for complaining about poor work conditions. Harassment on the job is without a doubt a poor work condition.
If you are expecting a new baby and being told that you may not take time off from your job in order to bond with your infant, without being fired, you should know your rights. The FMLA, or family medical leave act ensures this right for you as an American citizen. Anyone who tells you differently is either ill informed or lying. This is against the law, and a Phoenix attorney can help.
Perhaps you have developed an illness which requires you to take frequent and unforeseen time off of work due to treatments, recovery, or a similar health reason; but your employer becomes annoyed and threatens to fire you if you continue to miss work. This, too, is a violation of your civil rights, as stated in the Americans with Disabilities Act. A Phoenix civil rights case may be justified if you have or are in this type of situation at your workplace.
If you believe that you have been or are currently going through a similar situation as one of the above mentioned cases, you should know that your rights need to be defended. Speak to a Phoenix attorney as soon as you can to find out how you can correct the situation.
Where do the medicines we take from chemists come from? How do the doctors know which drug is good for which disease? How the medicines really are able to cure a particular ailment they have been prescribed for? Do these questions come to your mind, whenever you buy any medicine?
Come, let us today know about the medicine development from the beginning
The development of medicine is called a Clinical Research and has different Phases. Phases of the clinical research are the steps of experiments with a health intervention in an attempt to find enough evidence for a process which the scientists think would be helpful in medical treatment.
The pharmaceutical study starts its journey from a drug design and drug molecule discovery which further progresses into animal testing and then human studies to see the drug’s effectiveness.
Drug undergoes many trials- Preclinical, Phase 0, Phase I, II, III and IV. Sometimes combined trials also are undertaken to reduce the time of development, like Phase I/II and II/III.
When the drug molecule is identified, it undergoes many in vitro (test tube or cell culture) and in vivo (animal) experiments. These experiments are conducted to know the preliminary efficacy, toxicity, and pharmacokinetics of the various doses of the drug. Many drug molecules are designed at a time and these pre-clinical studies let the pharmaceutical companies decide which molecule has a greater potential in further studies.
Design of the Studies:
Trials are always conducted by following the set of steps, called the protocol, developed by the researchers to find the specific questions related to the medical product. Information from the prior studies become the base for the researchers to develop research questionnaire and objectives:
- Participant selection
- Number of participants
- Duration of the study
- Controlled or not
- How and what dosage will be given
- What and when the data will be collected
- Review and analysis time
Phase 0 Study
It is also called micro-dosing trials, 10-15 human subjects are taken and single sub-therapeutic doses are administered to gather the pharmacokinetic (PK) data of the drug. This enables the company in deciding to go or no go for the further development of the drug, based on more relevant human data instead of animal data.
Such trials exceed the speed of promising drug development by establishing whether or not the drug acts on humans as expected in pre-clinical studies.
After the company decides to take the molecule of the drug forward in development, it will have to submit the data of its preliminary studies to the FDA called Investigation New Drug (IND) application filing.
Phase I Study
Also called First-in-man studies as these are the first stage of human testing studies. These are the studies which are designed to determine the maximum dose that can be administered without showing adverse effects.
Contract Research Organizations (CROs) conduct such studies in the clinical trial clinics where medical staff provides full-time attention to 2-100 healthy subjects enrolled for the study and collects the data.
These studies determine the safety (pharmacovigilance), tolerability, pharmacokinetics (PK)and pharmacodynamics (PD) of the drug. The design of Phase I studies is dose-ranging also called dose escalation studies conducted in controlled clinics called Central Pharmacological Units (CPUs).
Usually, healthy subjects are hired but sometimes terminally ill patients like of cancer and HIV and also those who have already tried and failed to improve on existing medications.
There are two divisions for Phase I study:
Phase Ia: Single ascending dose
Phase Ib: Multiple ascending dose
Phase II Study
More than 100 diseased subjects are enrolled for a longer period study, to know the benefits of the drug along with its safety which includes genetic testing. These studies are also called as “Proof of Concept or Pilot” studies.
This is the phase when the drug’s development can fail due to toxicity or less than expected results.
Two divisions of this phase are:
Phase IIa: Pilot study, to determine the clinical efficacy or the biological activity.
Phase IIb: Dose-finding study, to check the biological activity with minimal side-effects.
A combined trial determining the efficacy as well as toxicity are Phase I/II trials.
Phase III Study
These are pre-registration trials means the data of this study is submitted to the regulatory agency through New Drug Application (NDA) for its registration. Also called Pre-marketing or Pivotal trials.
Such studies are multi-central, randomized, in large diseased population (more than 500) with much longer duration of treatment and short follow up period, to determine the long-term safety and efficacy of the drug.
Even if the regulatory submission is pending, the drug is received by the patients in case it’s a lifesaving drug until the drug can be purchased.
‘Label expansion’ that is drug can treat an additional disease, other than the disease for which the drug is already approved, may also be the reason for running the Phase III trial.
It is said that for FDA (United States Food and Drug Administration) and MHRA (United Kingdom’s Medicines and Health products Regulatory Agency) needs at least two trials of successful trials data to register the drug.
After these trials, the drug is approved for market selling.
Phase IV Study
These are Post Market Safety Monitoring studies done after the drug is registered. Also called Late Phase or Confirmatory trials.
This kind of study determines the long-term adverse effects on the much larger population for a very long duration (at least 2 years). If harmful effects are detected in this study, then the drug is disapproved and the company has to retrieve the drug from the market as it can no longer be sold.
The entire journey of the drug from a molecule to a market selling product takes around 15-20 years.
Christmas is upon us and for some of us it will mean making the trip to a retirement home to see loved ones. Visiting a nursing home at any time is quite a difficult thing to do as no one likes to see their loved ones in cramped, restrictive conditions, but at the same time we know that we don’t have time to look after them.
Another reason that can make visiting our relatives or friends in nursing homes is the tatty and battered nursing home furniture. Sometimes these enterprises are managed by private firms who cut corners in order to make a larger profit. Instead of showing the least bit of concern for their clientele which should in fact be their main priority they are more concerned with lining their own pockets. What they seem to forget is that one day the shoe will be on the other foot and they will be in a nursing home.
Having spent a fair amount of time in elderly people residences over the years I can tell you that a large proportion of the nursing home furniture that I have sat on has been decidedly uncomfortable. Maybe there needs to be tighter governing of these establishments as surely just a little bit of money spent on nursing home furniture would go a long way to appeasing the clientele and their families.
It is not as if it is even cheap to stay in a retirement home, it costs a lot of money. Most of the people sell their homes and put a proportion of that money into obtaining the care that they receive. I find it a sad state of affairs when these firms that have taken the money from these senior citizens can’t provide a service that is adequate. The staff that look after the elderly residents are under paid and overworked so obviously a proportion of the profit made should be attributed to these individuals but at the same time money should be invested into the nursing home furniture.
The trouble when any firm goes private is the fact that people are out for themselves, everyone seems to think that making large profits and earning lots of money will make them happy. I can tell you from previous experience that money can’t buy you happiness; it can only buy you things that you will use to fill the void in your life.
Maybe if you there spent more money on nursing home furniture, their staff and their clientele then they would feel more fulfilled as chasing the biggest buck or making money the priority in your life is the root of all evil.