Now You Know: How to prepare for “financial hard times” ?

Sal: I was laid off back in 2009 during the “economic recession”, which I learned to be more “frugal” (e.g. buy what was necessary instead of buying what I “wanted”). I learned some “life style changes” that I apply now..

*see Financial Advice? goodnewseverybodycom.wordpress.com

Savings

How To Save $2,000 Fast Without Making More Money

Minority Mindset
Published on Jun 22, 2018
How To Save $2,000 Fast Without Making More Money
0:14 – Saving your money will make you broke because your money in the bank is losing value to inflation
0:35 – The only reason you should be saving your money is to invest and to save for your emergency fund
1:08 – Start by saving minimum of $2,000 for your emergency fund
1:41 – Write down how much money you make and your expenses
2:27 – Save $2,000 as fast as possible so you have to cut out the things you don’t need
3:51 – Stop over paying for your bills so you can save the extra savings
5:09 – Stop having expensive fun until you have started saving money and have a savings cushion

The 7 Best Places to Put Your SavingsBy Jean Folger | Updated September 29, 2017 — 6:00 AM EDT investopedia.com
“..Money that is considered savings is often put into a low risk, interest-earning account, rather than into higher risk investments. Although there is opportunity for larger returns with certain investments, the idea behind savings is to allow the money to grow slowly with little or no associated risk. The advent of online banking has increased the variety and accessibility of savings accounts and vehicles. Here are some of the different types of accounts so you can make the most of your savings.

1. Savings Accounts
Savings accounts are offered by banks and credit unions….”

Credit Unions vs. Banks: What’s the Difference? .thestreet.com
“..The bottom line is that banks are for-profit institutions, while credit unions are non-profit. Credit unions typically brag better customer service and lower fees, but have higher interest rates. On the contrary, banks generally have lower interest rates and higher fees. Banks, on the other hand, often have higher fees but more convenience regarding location, technological efficiency, mobile access, and rewards programs…”

Banks vs. Credit Unions: What’s the Difference? – 2 Minute Finance
https://youtu.be/rfHyQ-8eLC4
2minutefinance
Published on Oct 28, 2011
Thinking about moving your money out of a big bank and into a local credit union? Get the low down on their differences in this two minute video.

For more information and resources, visit our website at http://www.2minutefinance.com. Also, find us on Facebook (Facebook.com/2MinuteFinance) or Twitter (@2MinuteFinance).

Students

Finding the Best Student Savings Account in 2018
“..Student savings accounts are meant to help those in school grow their increasing income long-term and learn about financial responsibility. To ensure that you find the best savings account for the student in your life, we’ve laid out the top student savings accounts for prospective account holders looking for specific account benefits…”

Investing

How to Invest $100 [for 2018] 💵 | Investing for Beginners When You Don’t Have a Ton of Money

Investors with Credibility

Warren Buffett – The World’s Greatest Money Maker

TradingCoachUK
Published on Nov 1, 2014
Warren Buffett is the greatest investor of all time. His decisions about buying shares and companies have beaten the stock market year after year and made him the richest person in the world – thought to be worth 37 billion dollars.

Yet Buffett lives modestly in his native Omaha, in America’s mid-West, and runs his 150 billion dollar business with a staff of just twenty.

He talks to Buffett’s family, friends and colleagues about the man they call the Sage of Omaha, and Buffett’s friend Bill Gates praises his philosophy of life.

National Savings Day nationaldaycalendar.com
“.. sets aside October 12 to recognize those who value the act of saving and to provide simple steps to show getting started isn’t as difficult as it may seem.

Many of us already save every day. We’ve been doing it for a long time. We collect sentimental items because they mean something to us and they evoke emotion. These objects come in all forms. It could be a treasured baseball glove your dad played catch with you; an engagement ring passed down through generations, or boxes full of t-shirts representing years of concerts. We save lots of things for extended periods of time, and they accumulate quite well…”

Moody’s Manual moodys.com
“..is a​n e​sse​ntial component of the global capital m​arket​s, providing credit ratings, research, tools and analysis that c​ontribute to transparent and integrated financial markets. Moody’s Corporation (NYSE: MCO) is the parent company of Moody’s Investors Service, which provides credit ratings and research covering debt instruments and securities, and Moody’s Analytics, which offers leading-edge software, advisory services and research for credit and economic analysis and financial risk management. The Corporation, which reported revenue of $4.2 billion in 2017, employs approximately 12,300 people worldwide and maintains a presence in 42 countries. Further information is available at http://www.moodys.com…”

*see Deep Thought: How much to “give”? goodnewseverybodycom.wordpress.com

Good News Financial
https://www.facebook.com/groups/426559690751225/

Financial: Advice to Seniors-Elderly-Retiring?

What to do after Retirement?

Financial Security for Seniors with Bank On Yourself

Dave Ramsey: “Work”, Go to “low-turn” over “mutual fund”. “Walk daily with the Prince of Peace…Christ Jesus”

Suze’s Favorite Retirement Plans | Suze Orman – YouTube

401K (22K max) > Roth IRA (can take out anytime w/o any penalties..max 500) > Traditional IRA

Pension

How To Value My Pension? – YouTube

Before Retirement

How Much Retirement Do I Need? – YouTube

Seniors to Seniors: Advice From Retired Professionals – YouTube

Retiring right on $3,500 a month

Retiring by 55?

Three Ways to Retire by Age 55

Don’t Waste Your Money: Why retiring at age 55 or 60 can be very costly

Retiring by 40?

I Want To Retire At 40 So I Don’t Have To Work – YouTube

Professor Savings professorsavings.com

Hobbies-Leisure-“Active”

Retiree Tips: Pursuing Life After Retirement
https://youtu.be/nr84FnEU6Eg
“..After retiring, he went back to college as an adult. While he didn’t have specific goals in continuing his education, his love of storytelling led him to creative writing. ..”

Caregivers-Children

Caring for Elderly Parents While Keeping Your Money on Track daveramsey.com

GLOBAL

The Retirement Trap | Al Jazeera World

Financial Advice? goodnewseverybodycom.wordpress.com

Good News Elderly
https://www.facebook.com/groups/471659289554782/

How to “fight” all the sexual temptations in this world?

Sex is everywhere (e.g. media), which one can’t avoid nowadays unless you live in a “enclosed” bubble…

Subliminal Messages Are Everywhere! With Scientific Studies In Description


“Uploaded on Nov 15, 2009

Documents and studies of mass subliminal manipulation and mind control:…

…By Rifleman0007
Mind-altering messages are everywhere – media, press, every-day pictures. The purpose of those is to implant certain pleasurable messages into your subconscious mind, associating them with products. Then out of nowhere you feel a need and pleasure for that particular product, have strange thoughts out of nowhere, or feel urgent need to buy/get something…

Pornography

-Suggestive Immoral Ads

Life Is Short. Have An Affair.
Posted: 07/21/2015 2:22 pm EDT Updated: 25 minutes ago huffingtonpost.com

What other ways the “media” brainwashes us through these subliminal “sexual messages?

Good News Mind
https://www.facebook.com/groups/556119821134734/

How to “fight” it? I decided to do this blog after having an interesting conversation with a “married” friend of mine. She told me the struggles and how she’s having a hard time. I’m no expert, but I can share my own personal tips.

First, one needs to constantly meditate in something “positive” (e.g. God’s Word) daily. If you any questions about how to do this, feel free to contact me. I try to do this morning and evening. I also “try” to remember to daily “put the Armor of God” (e.g. when your dressing-up for the day, just imagine it)….

http://prayer.goodnewseverybody.com/intercessory.htmlThe Armor of Godhttp://www.biblegateway.com/passage/?search=ephesians%206&version=NIV

Got any of your own personal tips to share to help “us” fight this together?

Good News Sex
https://www.facebook.com/groups/308123689319621/

Defensive Driving Stories

When driving, do you think about the people close to you or the people around you? I think this is a perspective all drivers need when behind that wheel…

DefensiveDrivingPt1WS2015

  • Top 10 Driving Distractions Involved in Fatal Car Crashes
    April 4, 2013 claimsjournal.com
  • “Of the more than 65,000 people killed in car crashes over the past two years, one in 10 were in crashes where at least one of the drivers was distracted. That’s according to police report data analyzed by Erie Insurance in the Fatality Analysis Reporting System (FARS), a nationwide census of fatal motor vehicle traffic crashes maintained by the National Highway Traffic Safety Administration….

  • Police To Crack Down On Distracted Drivers

    April 14, 2015 8:11 AM minnesota.cbslocal.com

  • “MINNEAPOLIS (WCCO) – Police across Minnesota are stepping up enforcement this week against distracted drivers.

    The Minnesota Department of Public Safety said most accidents are caused by drivers using cellphones, GPS navigation, music controls or eating and drinking.

    While it’s legal for most drivers to talk on the phone while driving, it’s against the law to use the Internet or send texts or tweets, even if stopped at a light or stop sign.

    The state estimates there were 3,200 texting-while-driving citations issued last year

    Fines can range from $125 to $145 depending on the county. “

  • The 6 Most Common Causes of Automobile Crashes
    by http://www.SixWise.com
  • DefensiveDrivingPt2WS2015

    Good News Automobile
    https://www.facebook.com/groups/388645047917452/

    Ways to deal with Bullying as a “former” victim and bully too

    I was bullied for various reasons growing-up while attending Battle Creek Middle School from 6th to 8th grade.
    It wasn’t such a big topic in the media back then, so I never thought of it much. I thought it was just part of life and didn’t see it as a social epidemic as it is covered in the media now. As I hear stories of bullying, I feel like what I went through was really nothing compared to the serious violence and abuse (both mental and physical) victims goes through nowadays.

    Here are some “lite” stories of bullying I went through:

    When I used to deliver newspapers for the local paper in St. Paul (Pioneer Press Dispatch), I hated going through certain parts of my neighborhood after school. Living by the middle school, kids would be coming out of school in groups and would walk by my route. I would find a particular “safer” route as I did it more, but when I first started, I ran into some really obnoxious peers at the time. For example, one time when I was delivering newspapers (PM edition), some group of kids started yelling “gook” or “chink” at me. They then would do the infamous popular “kung-fu”/”karate” moves at me. Being a “smaller” boy at the time and being one individual, I didn’t have a chance to fight them back. At the time, I reflected on some friends/neighbors (Vietnamese-Another neighbor and I loved watching Bruce Lee movies growing-up!) that offered my dad to have my siblings and I to learn Karate from them. During this and other times of being bullied, I wished my dad took the offer as I would’ve used karate on them! I just continued walking away and ignored them. I look back and wondered if I did know karate, what would’ve I’ve done. I had a lot of anger issues (due to family up-bringing and all the social pressures during that stage of my life) and probably would’ve got myself more in trouble!

    Deep Thought:

    However, I can’t imagine if I was the opposite-taller and built. They probably would’ve not even said anything like this and would be intimidated or just ignored me. What causes a group of people to team against or oppress an individual the deemed as “weaker” or “lesser”? Doesn’t this occur even amongst adults? (e.g. politically, religiously, economically, racially/ethnically, etc…) Sorry, getting too deep here, but what motivates one(s) want to “pick-on” another/other individual(s)? You hear it’s because a “bully” got “abused” (physically/mentally) by someone older (e.g. parent). Does this give them the reason to do this?

    Is this the reason why movie goers are very fascinated with movie characters (e.g. Harry Potter, Marvel Comic Heroes, etc..) with special “powers”. I’ve heard from younger folks that they wished they had “special” powers and they would’ve used it on their “bullies”.

    Another story was in the classroom at the school. I remember it vividly as it’s been a scar or was a traumatic experience at the time. I was sitting in a science class (Physics) and the teacher was gone. Several known “bullies” of mine started “gleaking” (lightly spitting) at me. Being a “passive-shy-weakling” at the time, I pretended to ignore them and just took it. What could’ve I done, stand-up and fight the taller-bigger guys than me? I was outnumbered!

    Being “Asian”, I was stereotyped as a “bookworm” and I was a studious guy (ey, I got to college on a full-ride scholarship, so it paid off ;)) A friend (taller than me) and I were heading out after school ended. While I was heading to my locker, this “bigger-taller” boy closed my locker and told me to do his homework. I had some “boldness” (learned from watching t.v., like “Saved by the Bell“-I didn’t want to be like Screech-lol!) in me, so I told this guy “no”. He probably wasn’t expecting this, so he actually pushed me against the lockers and demanded that I do this. Fortunately, my “taller” friend stood-up for me and told this “bully” to leave me alone. Unfortunately, this “bully” was bigger than my friend, so this “bully” pushed him too against the lockers. I was very thankful for my friend and was more focused with gratefulness of my friend doing this for me than the “terror” of this bully. We were both shoved to the lockers so loudly that one of my teachers came out of his classroom wondering what all this noise was about. Fortunately, we were both “saved” by this “bully’s” rapture as we both walked out of school “safely” that day.

    Due to my “multicultural” looks, I would be teased with various racist remarks. During the Persian Gulf War, a “friend” would tease me that I “looked like the enemy” (Arabic). This would go on even through college and beyond, which I grew to have a very lose self-esteem and was self-conscious about my “physical features” in various places. Due to this remark “way back then”, it effected me when 9-11 happened after my college years. I haven’t shared this with many people, but when 9-11 happened and watching on the news of “Arabs” or “Muslims” that “look-like” the enemy were targeted in America. I got scared and hid for a season. I was afraid to go out of my house during these tense times as I was afraid of getting “attacked” in retaliation of 9-11 (would find out later about the “truth” behind the attacks, which can be another story ;)).

    A “Bully” Myself Once

    I have to be fair and honest too in this blog post that I wasn’t always “bullied”, but I was also in the “dark” side too-“bully” himself! 😦 I’m not proud of this either, but I look back and probably was a “bully” in some instances because I was “bullied” myself. I felt like I had a position of power in some scenarios and abused them. For instance, I remember fighting this younger-smaller guy in elementary school. I still can’t remember why I did this. I pushed him around and nothing too violent, so I wasn’t too rough on him. 😉 Another instance, this individual in high school was so annoying and I had to “act” tough. I told him that we should fight after school, which he accepted. During class, I then began thinking that this individual will probably bring his “hommies” or “gang” friends and “jump” on me. I then told him “cowardly-humbly” that I decided I don’t want to fight, which he agreed..lol! I also had some instances where I teased people because they “look” poor or whatever, but I regret this because I too was in their shoes and don’t understand why I did this.

    My parents immigrated here (St. Paul) from the Philippines in the early 70’s and we didn’t have much like many other immigrants residing in a “new” land. I remember one Christmas, we couldn’t afford a Christmas tree like many other “Americans”. We found a tree branch in our neighborhood while walking in one cold winter day, so we decided to take this tree branch inside and make it our “1st” family Christmas tree. We even decorated it and put ornaments that we just creatively made. My parents couldn’t afford the current trending shoes (e.g. Nike) those days, so I wore “Pro-Wings” from Payless Shoes Store (I’ve bought shoes still from this place as they have some good deals, but honestly-not very quality). Growing-up at that time (still I heard), students in school would just ridicule you with the brand or type of clothing-shoes you wore. I just got teased “left and right” back in elementary school for wearing these “cheap” shoes. Another similar instance was when I was wearing some “old-school” pj’s underneath my jeans with a hole. It was winter time and these “pj’s” were like my thermal underwear to keep me “extra” warm. I guess I would tease someone with this type of dress code. I felt like I was “worthless” at the time and it got worse growing-up through high school.

    I actually feared going to high school after watching t.v. shows or movies on how “nerds” or “losers” (like me) were treated. Fortunately, folks in high school were a little more mature and it wasn’t as bad as I expected. I got teased a little (e.g. looks-physical characteristics) once in awhile, but I just had a very low self-esteem (due to factors in and out of school). I had some “suicidal tendencies” due to depression caused by many factors that I can share for another blog, but this is one of the effects people still face due to bullying.

    I finally started going up-hill during my college years, which here is my story.


    “Power of non-violence (e.g. Martin Luther King Jr., Ghandi, etc..) instead of retaliating with violence”

    Stop Bullying Today (Christian Themed)

    Matthew 5-7New International Version (NIV)-
    Introduction to the Sermon on the Mount
    biblegateway.com
    https://www.facebook.com/SalPhotoVideography/photos /a.1134525149895689.1073742035.443035202378024/1825428997471964/?type=3&theater
    “…The Beatitudes

    He said:

    3
    “Blessed are the poor in spirit,
    for theirs is the kingdom of heaven.
    4
    Blessed are those who mourn,
    for they will be comforted.
    5
    Blessed are the meek,
    for they will inherit the earth.
    6
    Blessed are those who hunger and thirst for righteousness,
    for they will be filled.
    7
    Blessed are the merciful,
    for they will be shown mercy.
    8
    Blessed are the pure in heart,
    for they will see God.
    9
    Blessed are the peacemakers,
    for they will be called children of God.
    10
    Blessed are those who are persecuted because of righteousness,
    for theirs is the kingdom of heaven.

    11 “Blessed are you when people insult you, persecute you and falsely say all kinds of evil against you because of me. 12 Rejoice and be glad, because great is your reward in heaven, for in the same way they persecuted the prophets who were before you…”

    In conclusion, I believe social support and communication or dialogue is very important to stop bullying! I really didn’t get this growing-up. I grew up in a very quiet-passive (Asian culture) family, which I never shared this with my dad, mom, and even my siblings (I shared one of my stories with one of my siblings the past year or two and they replied-“How come you never told us?”) . I just kept it inside of me like a volcano that was waiting to interrupt. My personal tip now is parents need to have an honest one to one dialogue with their child/children. This can happen over a meal time at the dinner table (get your kids to put their smart phones away, shut the television, etc..). If you read my story above, building self-esteem is very important to help “victims” of bullying overcome this stage or season in their life. As a former “victim of bullying” and “a bully” too, I want to help those in this category through social networking (e.g. Good News Sociology, Youth, etc…). How can we “work-together” in helping those out there?

    Follow us at #goodnewseverybodycom
    https://www.instagram.com/goodnewseverybodycom/

    Would love any feedback (e.g. personal stories, advice to help others, other resources, etc..) more….. http://issues.goodnewseverybody.com/bullying.html

    Good News Abused
    https://www.facebook.com/groups/380276108747293/

    Personal Tips on Keeping My Youthful Look

    I remember years after college, I was going to a St. Paul Saints game at Midway Stadium. I was going to pay my ticket and after I got my receipt, I noticed they charged me the “under 18” price. I was helping out with a community youth event (2010 +/-) at a nearby high school and one of the organizers asked me what year in high school I was in. Elderly guys at the local fitness center always ask what year in college I am. A friend from church came over with her family yesterday for lunch that I hosted at my house. The lady that I’ve known for years since going to my local church (1997 or so) told me “I look so good-looking” at my age still. Everywhere I go, most people comment how “younger” I look then my actual age (36), so I decided to share my personal tips to the global community. I don’t have it perfect, but I would love to share what I do and would love to learn more additional tips from readers like you.

    I’ll start with the “wholistic” approach of body, soul, and mind (in no particular order of priority). However, my faith is “number uno” to all three as I start and end my day (Joshua 1:8) with God’s Word (soul food)….

    “For by me your days will be multiplied, and years will be added to your life.”Proverbs 9:11

    When I first became a Christian (see , my eyes started to open as I read God’s Word. One of the verses that really “opened my eyes” on the importance of keeping healthy overall is..

    “12 Therefore, I urge you, brothers and sisters, in view of God’s mercy, to offer your bodies as a living sacrifice, holy and pleasing to God—this is your true and proper worship. 2 Do not conform to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is—his good, pleasing and perfect will…”Romans 12

    I was diagnosed “border-line” diabetic 6 or so years ago and this “woke” me up to change my life style. Rice is a big staple crop in my Asian-Filipino family’s diet in our meals, which I know played a factor in contributing to diabetes in my mom’s side (grandma and herself). I wanted this generational “genetic health issue” to stop with me, so I decided (w/ God’s help through His Word on “discipline”) to change my eating habits (e.g. Good News Foods). I already cut or eliminated my intake of “soda/pop” around that time, so I just gotta “eliminate” other “bad habits”.

    My full-time job requires some “physical” stamina and health, so going to the “local gym” has been very beneficial for me. I don’t only do “exercises” there, but pretty much throughout the day. I regularly doing some exercises (e.g pushups, sit-ups, and stretches) each morning when I work my other job (pt) to “wake” me up and gives me a great start for the day. I “try” to ride my bike to as many places (e.g. workplace, fitness center, shopping around town, errands, etc..) as possible if weather (e.g. even during the winter as long there is no “blizzard”) is cooperative.

    Another way is keeping “active” (e.g. church functions: local church-used to help with Sunday School, currently serving as a greeter in a every other month basis schedule, etc…; community volunteering, etc..) in the community in various activities using my God-given gifts, talents, skills, etc..

    Lastly, it’s important to have an “active” mind, which I feel “eating healthier” contributes to a clearer mind. I keep learning new “bad foods” out there almost daily when folks share interesting articles on (Facebook-ask for my pics of my past years!) or finding articles/headlines when checking my email. “Knowledge is power”, right? Yes, I’m finish with college, but we “never” stop learning. That is why I love teaching ESL/GED at the local school as it’s more beneficial learning from my students than teaching them what I’m constantly learning.

    more…Good News Elderly-Longevity

    Financial Advice?

    GoodnewsEverybody.com Financial “Wisdom”, Advice, Budgeting, Tips, etc…

    I was raised in a family with financial challenges and I didn’t want to go through the same trials when I got older. After seeking financial wisdom from God through his Word and others that He has put in my life, I’m proud to say I’m financially free from any debts (currently a co-signer for some credit companies for my brother and a friend of mine). I want to share my story with as many people as I can to help them get out of financial debts. Instead of hiding this knowledgleable resources, I want to share this with as many people as I can. Feel free to contact me on any of this or if you have any suggestions, feedback, questions, or even prayer requests….

    After doing a budgent analysis 2 years ago, I was able to break down some categories where I put most of my money in. These are the following categories I got in order by month:

    Sal:

    High School Days

    I wished we could’ve learned about “financing” earlier , like in high school. I didn’t really “learn” until after college. I grew up not really knowing how much I needed to “save”. I did save money for college back in my high school days. However, I spent my paycheck in my job(s) like it was “candy” coming out of a “gum ball machine”! For example, I wanted the “cool” expensive “Oakley style sunglasses”. However, I didn’t want to spend that much, so I got an almost “second” to near expensive style sunglasses called “Bolle”. Well, within a week or so, I lost these one-hundred dollar pair of fancy expensive sunglasses 😦 ! I was working my fast-food job at Taco Bell. I didn’t like wearing my uniform before walking (2-3 blocks) to work, so I would carry a duffel bag with my work-uniform and change in the restaurant’s Men’s Restroom. While changing, I forgot my sunglasses that I laid on top of the sink or toilet??? Well, when I remembered this, I went back and it was gone 😦 This was the last time I spent this much on “sunglasses”. Since this “life-learning” experience, I ‘ve bought cheap “discounted” sunglasses (e.g. gas stations, discounted grocery stores, etc…); However, I try not wear them if I really need to now (e.g. driving when the sun is setting or rising in front of me), which is another “health-related” (see => Medical: How to improve your eye sight Part Two? goodnewshealthandfitness.wordpress.com ) long story!

    Money Saving Tips For Students | Financial Advice – YouTube

    Money Management Tips For Teens – YouTube

    College Days!

    When I went to college, I was fortunate and blessed (thankful to God) to get a “full-ride” scholarship for 4+ years. However, I still had my “Room & Board” (Fees and Bills) to cover! I lived in the residential halls all 4 years. I look back and wished, I learned how to live “on my own” in “off-campus” housing to learn about “saving money” more! It was expensive living “on-campus” . I should’ve cooked my food and learned how to live in a “house” (e.g. I would’ve learned about utilities and how to “conserve”) off-campus. Well, I was very “gullible” about credit cards. I was “sucked” into applying for every credit card that was given to me in person on campus. I would sign-up just to get a “free” prize (e.g. t-shirt). I didn’t learn much about “credit-limit”. Unfortunately, I would max all of my 3-5 credit cards on this “pyramid scheme” business my sophomore year!

    -Credit Cards

    Financial Advice for College Students + Credit Card Tips – YouTube

    Credit Cards for College Students: Applications, Income … – YouTube

    ->Budgeting

    Budgeting 101 for Current and Future College Students – YouTube

    Financial Literacy – 9 things a college student should know

    Career Life

    Living Paycheck To Paycheck – YouTube

    How To Increase My Income?

    Misc.

    Financial Literacy 101

    William Ackman: Everything You Need to Know About Finance and Investing in Under an Hour

    Q: Let me know what you think and feel free to reply with any feedback, personal suggestions-financial advice/tips, comments, etc…

    more….
    http://financial.goodnewseverybody.com/

    Good News Financial
    https://www.facebook.com/groups/426559690751225/