With the price of gas constantly rising, more people driving hummers are finding visits to fill the tank an expensive business. It’s tempting to think of trading in the guzzler and buying a hybrid. A Toyota Prius, for example, will give you not less than 45 miles per gallon – drive it carefully and you’ll do a lot better.

Better still some of the hybrids qualify for a federal tax incentive. The government may talk big about drilling for oil but encouraging people to buy fuel-efficient cars is really good first step to reducing America’s dependence of foreign oil. Check out your own state. When you add up the savings on gas and in taxes and charges, a hybrid can look a good deal. Auto insurance dealers are encouraging the trend with discounts of up to 10%, although the actual discount depends on the type of hybrid you buy. As with all auto insurance, you need to shop around and get as many online quotes as possible before buying.

But before you begin looking round the showrooms, take a deep breath. That Hummer is losing its value fast. The secondhand market has collapsed because only a very few buyers want to take on those gas costs. You’ll get only a fraction of its value if you trade it in now. So that new hybrid suddenly got a lot more expensive. You’ll need a much bigger loan which may be difficult to get at a good rate of interest because of the credit crunch. Once you add in the loss of capital tied up in your Hummer and the increase in borrowing costs, your payback period just got so much longer.

What about payback period? If you’re buying to make a saving, this is the time it takes for you to realize the saving. In this case, you are probably better holding on to the Hummer. The premiums will fall because the replacement costs are lower on a comprehensive policy. Traffic accidents are less dangerous in something built like a Sherman Tank. Some of the smaller hybrids crumple up in an accident. So don’t despair on the auto insurance front. It really may made better economic sense to keep the guzzler than change to a hybrid.

Ambition is a wonderful thing when it pays off. How many times have we watched a slugger walk up to the plate, look the pitcher in the eye, and lift an arm to point where the ball is going to land somewhere in the next state, only to strike out? Well, the new President has just stepped up to the plate. We have the TARP bailout plan carried over from the last Administration. The new Stimulus Package has been passed. Now comes the budget. Anyone doing the math will find the number of zeros adding on to the deficit reaching epidemic proportions. It seems the country is proposing to plunge even deeper into debt when it’s already in a recession, fighting two wars – one in Iraq and the other in Afghanistan – and facing a meltdown in the banking and car industries. Unemployment is at historic highs and, if the trend continues, the amount of tax collected will fall. Yet, the President is proposing major reform of the health care service. Is he biting off more than he can chew?

According to the latest figures, there are around 306 million people in the US and nearly 15%, that’s about 45 million, do not have any kind of medical insurance. What do they do? Well, when they fall ill, they crowd into the emergency rooms and seek help from the underfunded public hospital system. There are two results. The first is that people wait too long before they go to hospital and, when they get there, receive an inadequate level of care. The second is that it places a serious financial burden on everyone. The emergency room in a conventional hospital has to cover its costs but, when the uninsured patients have no money, the only option is to increase the charges to the insured patients. This burden has been particularly hard on the employers’ health plans and, to offset the increased premiums, employers have been passing some of the cost on to their employees – a forced pay cut. The public hospitals must beg for increased funding from local, state and federal bodies where budgets are already in deficit.

There is a new mood in government to do something about health insurance. In effect, the ideal plan would be to move to a single-payer plan which is the norm in the rest of the world, but that would upset too many vested interests. So the current plan is to go for a major safety net for all currently uninsured. There is already a plan for uninsured children. The Administration is proposing an element in the new budget to move all uninsured adults on to a national plan. If this can pass through into law, which is not certain given the opposition of the Republican party, it will provide a bolt hole for all currently insured. If the premiums on private health insurance continue to rise, more will move on to the national plan which, over time, could produce a single-payer system in the US. Now that would be an interesting social experiment.

There’s a sobering saying, “The female of the species is more deadly than the male.” It first surfaced in a poem by Rudyard Kipling and achieved international recognition through the “shock shock horror” song by Space. Taken literally when applied to humanity, it suggests women are more likely to kill you than men. Except, when it comes to driving, this is almost certainly not true. There’s a myth put about by men that women are bad drivers. Talk to the average male driver and they will pour scorn on women, telling tall stories about dangerous behavior on the roads. Yet this sexist view is not supported by the accident statistics. When you add up all the numbers from around the world, men are three times more likely to die on the roads than women. The truth seems to be that men may have better spatial awareness and so slightly better control of their vehicles. But women have better self-control which makes them safer drivers. The result in the gender stakes is that men, particularly when young, are more reckless than women, driving faster with less attention. Women are more cautious, driving more slowly and causing fewer serious accidents. Even more importantly, women have fewer emotional hang-ups about the cars they drive. Whereas men prefer to be seen in fast, sleek sporty cars, women tend to have more modest (and cheaper) tastes.

Let’s put the big picture together. For now, we’ll assume that women are as good as male drivers and both sexes have the same number of accidents. The cars driven by women will be traveling more slowly when they collide. That means there will be less impact and so a reduced risk of injuries. Now add in the fact that women tend to be driving less expensive cars and the total loss of damage to the vehicles and injuries to the people inside will always be lower. The rest of the statistics from law enforcement complete the picture. When it comes to tickets issued and convictions, women are rarely caught exceeding the speed limit, do not drive recklessly and are less likely to drive while drunk or incapacitated by drugs. Finally, men love their cars and prefer to drive them over long distances. Women make shorter commuter journeys and take the plane or train over longer distances.

This means lower premiums for women drivers. They are more careful, have fewer accidents and cause less damage. Men are less likely to obey the law, and more likely to be injured and cause injuries. Auto insurance premiums are therefore significantly higher for younger male drivers and, on average, higher than the equivalent female drivers over their lifetimes. So, when women go online to use the search engines for the best insurance rates, they are likely to be pleasantly surprised. The only strategy that men can adopt is to build up a trouble-free driving record over time. The longer male drivers go without picking up a ticket, the better. Savings will also flow from buying cheaper, less powerful cars and driving them less. Accepting mileage restrictions saves dollars on auto insurance premiums. In fact, men save money when they drive like women.

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Ephesians 5:28-29, 33 For a husband to love his wife is to love his other self – so love yourself. But nobody is foolish if he hates his own body, on the contrary, we all eat better and its surrounding care.

That each of you husband loves his wife as his own self, that each wife believes and respects her husband.

1Pet. 3:7

As for you, husbands, try to understand your wives, have great respect for them in your life together, remember that they have a more fragile and delicate. Treat them with respect and honor … Otherwise you put yourself preclude the fulfillment of your prayers.

Premarital for the meetings, I listed 11 biblical principles that help make a happy marriage. Or check more on Married Chat

1 ° Set aside some money for a few weeks online honeymoon. De.24: 5

Never schedule to get married just before the school year, when the demand on your time and efforts will be great. Plan your wedding for the start of vacation.

2 ° Borrow no money. Ro.13: 8

Borrowing money before or after marriage is tantamount to add this sentence at the end of the marriage vows of “until the debt between us.” Do not let the money separate what God has joined together. A book of psychology has classified the stewardship of money top the list as the most common problem in marriage. The key factor creating the problem is not the amount of money but the attitude towards money or use money. In fact, in my experience of helping relationship, I found a conflict between people with surplus money and those who had limited funds.

This notice could read “not Borrow money to buy items whose value depreciates.

Financial freedom gives you the power to use your money as you choose, your not as borrowers have chosen for you. If you want to enjoy each other and have fun in your marriage, your money does not to the point where it will not remain in cash for small things that are fun to do together.

3 ° Be Independent of step-parents ep.5: 31

However you should not get married without their approval, Ep.6: 1

Before the sin made its entry into the human race, two commandments were given to Adam. One was not to eat of the tree of knowledge of good and evil (in other words, not knowing the evil in the experiment). The other was to command in-laws outside of your marriage!

The separation of your parents physically, emotionally and financially is the best way to start a new social unit.

Statistically, 26 years is the best age for women to marry and 27 to 31 years the best age for humans, there are fewer divorces among people who get married at these ages.

I suspect that 90% of marital problems could have been prevented if the children had listened to the careful assessment of their parents before marrying.

4 Do not buy a TV for at least one year after marriage 1Pi.3 :7-8

Did you know that television can be the thief of time the greatest and most subtle? It steals the time that you should give your partner and, later, to your family. It will carry the most beautiful times of day – hours that could be spent in personal communication and sharing, the time when you can better communicate with you.

Maris, it drives you to do two things in the Scriptures:

a) Study the Scriptures;
b) Then, consider your wife.

5 ° Do not in bed with an unresolved conflict Ep.4: 26, Col.3: 13

In each marriage, conflicts arise because the two people come from different background, with levels of education, emotional baggage, desires and goals. Conflicts are inevitable, but a conflict becomes a problem only when it is not resolved quickly.

6 ° Look out for spiritual guidance in the inability to resolve conflict in a week. Ga.6: 1, Hé.12 :14-15, Ph.3: 13

7 ° seek advice if the woman is still unable to get a good sexual relaxation. 1Co.7 :3-5

8 ° Have all the Bible studies each day Mt.4: 4, Col.3 :15-17, ep.5 :26-27, Ja.1: 5.

Christ meets the needs of the Church in the cleaning and the washing of water by the Word ep.5 :25-28. So we must love our women. It is our responsibility to put our wives and our family in front of the word of God.

9 ° The husband must be 100% committed to love his wife. The woman must be 100% committed to being submitted. Ep.5

As the man likes his wife to him becomes increasingly subject. As the wife submits to her husband, her love for her surely grow.

What kind of love a husband should give to his wife? It is a strong mental attitude, stable, always seeking nothing but the most high for the woman he loves. It is a love expressed in words and actions that motivates and loved to give themselves in return.

10 ° The husband is the head of household 1Co.11 :3-4, ep.5: 23, 1Ti.3: 4.

The husband’s authority over women is rooted in the authority of Christ over the Church. In fact, any authority is a delegated authority, and husband who keeps this in mind never to abuse that authority. On the other hand, the husband abandoned his leadership post sowing seeds that produce difficulties in its time.

The husband is the head of the household, whether functional or not. Any break in the marital relationship is the responsibility of man. I did not say it was her fault. I said that God took the man responsible for any breakdown in the marriage because it is the one to whom he was commissioned to focus on his wife. The bride should be carried out before marriage how important it is to marry a man who will submit it with joy as they head home. I have said many young women, “If you can not lift the eyes (as a sign of respect), watching a man, do not look at it at all.”

11 ° and the wife respects her husband ep.5: 33

Friends, it is difficult for your wife to respect you if you are not respectable. It is impossible for a woman to revere her husband if he is not worthy of such reverence. The man must live his life to his wife so as to be worthy of the respect that God asked the woman to have.

If the woman does not trust and does not respect her husband, is devastating for him and his marriage as well. The greatest desire of love is to find a corresponding love. The biggest sorrow of love is not to be believed. But if she is able to view her husband with eyes of reverence, it becomes a king among men!

In return, he should give his wife the place of honor, a place of special privilege and valuable. Several husbands have a wife second order because they deal with a second order. They will never be queen marry they wanted, they simply do not realize that the woman is the reflection of her husband in many ways.

The most important thing a father can do for his children is love their mother. The home should be the most attractive location on earth for children and the mother should be the biggest attraction.

Without a warm atmosphere in your home and your marriage – an atmosphere of love, generosity, forgiveness – your children will never know what love is. The only person who knows how to love is the person who was loved, which has seen the love that has experienced the love. The Christian home is the laboratory where the demonstration of God’s love is made.

If you do not have this kind of love in your home, your children will probably grow with a sense of inferiority, emptiness and lack of value. But it’s not too late to develop. It is never too late for two people who want to transform their marriage.

Applying these principles to a celestial marriage can produce a heaven on earth. It is my desire for every young couple and every home.