David's Last Instructions to Solomon

When David's time to die drew near,he charged his son Solomon,saying: 2"! am about to go the way of all the earth. Be strong,be courageous,3 and keep the charge of the LORD your God, walking in his ways and keeping his statutes, his commandments, his ordinances, and his testimonies, as it is written in the law of Moses,so that you may prosper in all that you do and wherever you turn. 4 Then the LORD will establish his word that he spoke concerning me: 'If your heirs take heed to their way, to walk before me in faithfulness with all their heart and with all their soul,there shall not fail you a successor on the throne of Israel.'

5 "Moreover you know also what Joab son of Zeruiah did to me, how he dealt with the two commanders of the armies of Israel,Abner son of Ner,and Amasa son of Jether,whom he murdered, retaliating in time of peace for blood that had been shed in war, and putting the blood of war on the belt around his waist,and on the sandals on his feet. 6 Act therefore according to your wisdom,but do not let his gray head go down to Sheol in peace. 7 Deal loyally, however, with the sons of Barzillai the Gileadite, and let them be among those who eat at your table; for with such loyalty they met me when I fled from your brother Absalom. 8 There is also with you Shimei son of Gera, the Benjaminite from Bahurim,who cursed me with a terrible curse on the day when I went to Mahanaim; but when he came down to meet me at the Jordan, I swore to him by the LORD, ' I will not put you to death with the sword,' 9 Therefore do not hold him guiltless,for you are a wise man;you will know what you ought to do to him,and you must bring his gray head down with blood to Sheol. "

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Death of the Animals

Then the LORD said to Moses , "Go to Pharaoh , and say to him, 'Thus says the LORD, the God of the Hebrews : Let my people go , so that they may worship me. 2For if you refuse to let them go and still hold them, 3the hand of the LORD will strike with a deadly pestilence your livestock in the field : the horses , the donkeys , the camels , the herds , and the flocks. 4But the LORD will make a distinction between the livestock of Israel and the livestock of Egypt, so that nothing shall die of all that belongs to the Israelites. ' " The LORD set a time , saying , "Tomorrow the LORD will do this thing in the land. " 6And on the next day the LORD did so; all the livestock of the Egyptians died, but of the livestock of the Israelites not one died. /Pharaoh inquired and found that not one of the livestock of the Israelites was dead. But the heart of Pharaoh was hardened , and he would not let the people go.

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A rambling frame building dating back to 1710, the Robert Morris Inn stands three stories high at the foot of Morris street on the riverfront at the public ferry dock

Its size, location and bright yellow color make it the center of Oxford, Maryland, which has retained its small town atmosphere and low population, thanks to its isolated location.

Robert Morris himself, who lived in the house shortly after he came to Maryland in 1738 at the age of twenty - seven was termed "a jovial soul, a bon vivant who made friends easily. " In 1747, after he had established himself as an important businessman in the community, he brought over his thirteen - year - old son, who he had left behind in Liverpool with relatives. The junior Robert Morris came to be one of the most important men in the American Colonies.

After living with his father for a few years, the youth was sent to Philadelphia for further study. He made good at once, and by the time he was twenty he was a full partner in the largest mercantile house there. In time he branched out into banking, and the job of financing the American Revolution ultimately fell to him. Without his efforts, George Washington's army would have dwindled away in the early days before the young colonies had established a financial system of their own. His activities ranged from the bureaucratic role of Superintendent of Finance to the Congress, to the nonbureaucratic role of paying soldiers in the field out of his pock-el.

Before the Revolution, Morris was already the richest man in colonial America. He loved the challenge of money and sought to continue his successes after the war was over. He was far from a financial conservative, being inclined, rather, to the grand gesture. As a speculator he bought up millions of acres from land in the unsettled parts of the new nation and, at one time, held title to almost all the western half of the State of New York.

When Congress decided to locate the new capital city on the banks of the Potomac River between Maryland and Virginia, he was on the scene early and bought 7,234 lots within the 100 so^iare mile area. Of the two hundred houses in Washington in 1,800, he constructed fifty. His ideas for his own housing were grandiose in scale. Deciding upon a very unfrontier - like structure of marble, he hired Major Pierre Charles L'Enfant, the designer of the new City of Washington, to build the Morris Mansion for him. Before it was'completed, Morris lost his fortune through overextension, was arrested for debt and imprisoned. The three years he spent in the

Philadelphia jail had a certain style about them nevertheless. His visitors included George Washington, Alexander Hamilton and the Governor of Pennsylvania. He was released in 1801 under terms of the new Federal bankruptcy laws. Thus the man who kept the whole country going financially was forced to say," I now find myself without one cent that I can call my own." He lived on the charity of his wife's friends and died in 1806 at the age of seventy - two.

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New Babies Are Smarter Than You Think

A few years ago a young mother watched her husband diaper their firstborn son. "You don't have to be so grim about it," she protested. "You can talk to him and smile a little. "The father, who happened to be a psychologist,answered firmly, "He has nothing to say to me,and I have nothing to say to him. "

Psychologists now know how wrong that father was. From the moment of birth, a baby has a great deal to say to his pa-rents, and they to him. But a decade or so ago, these experts were describing the newborn as a primitive creature who reacted only by reflex,a helpless victim of its environment without capacity to influence it. And mothers accepted the gospel. Most thought (and some still do)that a new infant could see only blurry shadows, that his other senses were undeveloped,and that all he required was nourishment,clean diapers,and a warm bassinet.

Today university laboratories across the country are studying newborns in their first month of life. As a result, psychologists now describe the new baby as perceptive, with remarkable learning abilities and an even more remarkable capacity to shape his or her environment — including the attitudes and actions of his parents. Some researchers believe that the neonatal period may even be the most significant four weeks in an entire lifetime.

Far from being helpless, the newborn knows what he likes and rejects what he doesn't. He shuts out unpleasant sensations by closing his eyes or averting his face. He is a glutton for no-

velty. He prefers animate things over inanimate and likes people more than anything.

When a mere nine minutes old,an infant prefers a human face to a headshaped outline. He makes this choice despite the fact that, with delivery-room attendants masked and gowned, he has never seen a human face before . By the time he's twelve hours old, his entire body moves in precise synchrony to the sound of a human voice, as if he were dancing. A nonhuman sound,such as a tapping noise,brings no such response.

At the end of a week,a newborn recognizes something familiar about the mother who has fed him from birth. If she is silent,her face covered with a mask with eye holes, he refuses the nipple at first,takes less nourishment,and has trouble drifting off to sleep afterward. And by four weeks, infants are al¬ready able to recognize subtle differences in language sounds and can distinguish baa from paa.

These examples illustrate the newborn's fine discrimination and sensitivity to human contact. All five of a baby's senses are in working order from the moment of birth. The newborn can distinguish color from black and white,and prefers to look at patterns over straight lines,circles over squares. If you move an object slowly before his face,his eyes and even his head will follow it. The eyes may focus, however,only if the object is very close, about seven inches. Eyes, with a contrast of dark and light, are particularly amusing. Even on the delivery table a newborn will alert,eyes shining with interest,and gaze into its mother's eyes.

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Judging from recent surveys, most experts in sleep behavior agree that there is virtually an epidemic of sleepiness in the nation

"I can' t think of a single study that hasn' t found Americans getting less sleep than they ought to," says Dr. David. Even people who think they are sleeping enough would probably be better off with more rest.

The beginning of our sleep-deficit crisis can be traced to the invention of the light bulb a century ago. From diary entries and other personal accounts from the 18th and 19th centuries, sleep scientists have reached the conclusion that the average person used to sleep about 9. 5 hours a night. "The best sleep habits once were forced on us, when we had nothing to do in the evening down on the farm, and it was dark. " By the 1950s and 1960s, that sleep schedule had been reduced dramatically, to between 7.5 and eight hours, and most people had to wake to an alarm clock " People cheat on their sleep, and they don' t even realize they' re doing it," says Dr. David. "They think they're okay because they can get by on 6. 5 hours, when they really need 7.5, eight or even more to feel ideally vigorous. "

Perhaps the most merciless robber of sleep, researchers say, is the complexity of the day. Whenever pressures from work, family, friends and community mount, many people consider sleep the least expensive item on his programme. " In our society, you' re considered dynamic if you say you only need 5. 5 hours' sleep. If you' ve got to get 8. 5 hours, people think you lack drive and ambition. "

To determine the consequences of sleep deficit, researchers have put subjects through a set of psychological and performance tests requiring them, for instance, to add columns of numbers or recall a passage read to them only minutes earlier. " We' re found that if you' re in sleep deficit, performance suffers," says Dr. David. "Short-term memory is weakened, as are abilities to make decisions and concentrate. "

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Psychologists take opposing views of how external rewards, from warm praise to cold cash, affect motivation and creativity

Behaviorists , who study the relation between actions and their consequences, argue that rewards can improve performance at work and school. Cognitive researchers, who study various aspects of mental life, maintain that rewards often destroy creativity by encouraging dependence on approval and gifts from others.

The latter view has gained many supporters , especially among educators. But the careful use of small monetary rewards sparks creativity in grade-school children , suggesting that properly presented inducements indeed aid inventiveness , according to a study in the June Journal of Personality and Social Psychology.

" If kids know they ' re working for a reward and can focus on a relatively challenging task , they show the most creativity , " says Robert Eisenberger of the University of Delaware in Newark. "But it' s easy to kill creativity by giving rewards for poor performance or creating too much anticipation for rewards.

A teacher who continually draws attending to rewards or who hands out high grades for ordinary achievement ends up with uninspired students , Eisenberger holds. As an example of the latter point, he notes growing efforts at major universities to tighten grading standards and restore failing grades.

In earlier grades , the use of so-called token economies , in which students handle challenging problems and receive performance-based points toward valued rewards , shows promise in raising effort and creativity, the Delaware psychologist claimed.

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Make a Statement—Wear a Tie

One clothing item kept in almost every man's wardrobe is the tie. Wearing a tie to a social event for the first time can mark a young boy's transition1 from youth into manhood. The wearing of a tie is also thought to transform2 a poorly-dressed man into a well-dressed one. Many people would probably agree that the tie is the essential iccessory to any man's shirt; what many don't realize is that the style md design can also reveal something about the character of the wearer.

In the seventeenth century, men in the Western world first began using neckwear as a clothing item. Many credit Croatia with introducing this fashion item to the French, who later developed it into a stylish accessory. In 1660, a group of Croatian soldiers visited Paris, which was considered a fashion capital even at that time. In order to impress King Louis XIV,3 the officers paraded in front of him wearing brightly colored silk handkerchiefs4 around their necks. The King was so 15 impressed that he and many others in the royal court began wearing the neckwear, and the use of neckties entered the world of men's fashion.

Over the centuries the style of the tie has evolved into what it is today. Fashion designers have dictated the size of the tie which, over the years, has varied from quite thin to very wide, as well as how the tie should 20 be worn. The standard width of a necktie is 82.5 millimeters; the standard length is anywhere from 132 to 147 centimeters. After being tied, the tie should reach the waistband of the trousers. The tie's knot should never be so large that it can cause the collar of the shirt to open, nor should it be too small so as to get 'lost' in the collar.

25 During the late 1960s and throughout the '70s, the accepted width and length of neckties changed, with many men choosing to wear wider and shorter ties. Fashion trends of the day allowed for ties as wide as 127mm. The belief was that the wider tie was necessary because suit jackets and coats had wider lapels and shirt collars were also longer. Hence, the

30 width and length of the tie were adjusted to match clothing trends of the day.

Bow ties have become more popular in recent years, though they are most often worn with dress suits5 on very formal social occasions. Some men consider themselves 'bow tie men' and choose to wear a bow tie 35 regularly instead of a straight tie. Once again, designers dictate the acceptable dimensions6 for a man's bow tie; it should not be broader7 than the widest part of a man's neck, and should not extend beyond the outside points of the collar of his shirt.

The color of a tie can make as much of a statement as wearing a tie 40 itself. During the 1980s, red and yellow were considered to be the colors of the 'power' tie; if one wanted to make a statement in business, the color of the tie could send a message of strength and power to colleagues and competitors. Nowadays, more subdued colors such as blue or gray tend to be worn for business. Ties with brightly colored 45 designs or cartoon characters printed on them tend to be saved for festive occasions or the office party.

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Exercise is one of the few factors with a positive role in long-term maintenance of body weight.

Unfortunately, that message has not gotten through to the average American, who would rather try switching to "light" beer and low-calorie bread than increase physical exertion. The Centers for Disease Control, for example, found that fewer than one-fourth of overweight adults who were trying to shed pounds said they were combining exercise with their diet.

In rejecting exercise, some people may be discouraged too much by caloric -expenditure charts ; for example , one would have to briskly walk three miles just to work off the 275 calories in one delicious Danish pastry. Even exercise professionals concede half a point here. " Exercise by itself is a very tough way to lose weight , " says York Onnen , program director of the President's Council on Physical Fitness and Sports.

Still , exercise's supporting role in weight reduction is vital. A study at the Boston University Medical Center of overweight police officers and other public employees confirmed that those who dieted without exercise regained almost all their old weight , while those who worked exercise into their daily routine maintained their new weight.

If you have been sedentary and decide to start walking one mile a day, the added exercise could burn an extra 100 calories daily. In a year's time, assuming no increase in food intake , you could lose ten pounds. By increasing the distance of your walks gradually and making other dietary adjustments , you may lose even more weight.

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Advertising

The appeal of advertising to buying motives can have both negative and positive effects consumers may be convinced to buy a product of poor quality or high price because of an advertisement. For example, some advertisers have appealed to people's desire for better fuel economy for their cars by advertising automotive products that improve gasoline mileage. Some of the products work. Others are worthless and a waste of consumers' money.

Sometimes advertising is intentionally misleading. A few years ago a brand of bread was offered to dieters with the message that there were fewer calories in every slice. It turned out that the bread was not dietetic , but just regular bread. There were fewer calories because it was sliced very thin, but there were the same number of calories in every loaf.

On the positive side, emotional appeals may respond to a consumer's real concerns. Consider fire insurance. Fire insurance may be sold by appealing to fear of loss. But fear of loss is the real reason for fire insurance. The security of knowing that property is protected by insurance makes the purchase of fire insurance a worthwhile investment for most people. If consumers consider the quality of the insurance plans as well as the message in the ads, they will benefit from the advertising.

Each consumer must evaluate her or his own situation. Are the benefits of the product important enough to justify buying it? Advertising is intended to appeal to consumers, but it does not force them to buy the product. Consumers still control the final buying decision.

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Millions of people are putting their dreams of a comfortable retirement at risk because they are not contributing enough to their pensions

Research commissioned by the Association of British Insurers reveals that people should save an average of £ 800 extra a year to avoid an impoverished retirement. The research, carried out by Oliver, Wyman &- Company, an independent consultant, warns that 45 to 60-year-olds are most at risk. They should be saving an extra £ 700 a year each on average to secure a comfortable retirement. But the message is also failing to get through to younger savers. The report says that 25 to 35-year-olds need to save £ 833 more on average, although they will have longer to make up any shortfall.

The dismal performance of the stock market has added to savers' woes. The average pension fund has lost nearly 15% of its value over the past six months. A fund worth £ 100 000 six months ago would now be worth £ 85 553, according to Standard &. Poor's Micropal. For a 65-year-old man, that is the difference between an annual pension income of £ 8 912 and £ 7 624 at the current best annuity rate. Although markets rallied last week, returns are expected to stay lower in future. As more firms shift from final-salary to money-purchase plans, whose returns depend on the fluctuation of the stock market, it is essential to maximise savings.

The combination of falling annuity rates and lower returns means that a 30-year-old who set up a pension scheme in 1991, paying in 10% of his or her earnings and retiring on

a salary of £ 40 000 at 65, could expect an annual annuity income of £ 22 000, according to William M Mercer, a consultancy firm. A person in similar circumstances who joins in 2001 could expect only £ 9 600.

But many people will have to survive on less in their retirement unless they raise their contributions radically or work into their seventies. The average pension fund at retirement is only £ 23 000, which would buy an annual income of a mere £ 2 047, or £ 39. 36 a week. But the monthly savings you need to build a decent pension fund do not have to be onerous, as long as you start early. A fund of £250 000 at retirement would buy a 65-year-old man an annual income of £ 23 200. A woman would receive £ 20 700. To reach this goal, Legal &• General, the insurance and pensions company, calculates you would need to save £ 126 a month at the age of 25 or £ 175. 50 at 30. The older you get, the harder it is to meet the target. If you do not set up a pension by the age of 35 , you would have to save £ 248 a month. By 40, the figure is £ 360, and by 45, £ 540.

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