DOCSLIB.ORG

IN the SAME BOAT: MIXED ABILITY ROWING in PRACTICE Dr

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
IN the SAME BOAT: MIXED ABILITY ROWING in PRACTICE Dr ALL IN THE SAME BOAT: MIXED ABILITY ROWING IN PRACTICE Dr. Jen Dyer Mixed Ability (MA) sport is challenging charts the first year of MA rowing at BARC. grassroots clubs to think differently about The club’s experience provides invaluable inclusion. Bradford Amateur Rowing Club learning on aspects of MA rowing and MA sport (BARC) was the first to embrace MA rowing as as a whole including opportunities, challenges, part of the Mixed Ability Sports Development timelines, personal stories, impacts and key Programme (MASDP) led by IMAS and funded learnings for the future. by Sport England. This research summary Key findings • MA rowing does not require significant • Continued training across a club is critical to infrastructural changes to the club and its ensure members understand what MA is, and facilities. This was one of the main reasons to reduce the challenges for those involved. BARC opted to implement it, and might BARC members have so far only received make it more attractive to other clubs too. the initial IMAS training. Developing a network of experienced MA • At the outset, club members raised • participants could provide valuable, ongoing concerns about the introduction of MA, support, guidance and reinforcement of good particularly around risk and ease of practice. Those involved with MA rowing at communication. Discussing these issues BARC would have liked more information early on, in collaboration with MA trainers, and support up front. will help alleviate these worries. • The culture of a club is likely to be key in • The potential for a fully authentic MA offering whether an MA offering will be successful. at BARC was affected by a range of factors BARC is viewed as a very welcoming club including: timing of sessions, opportunities with an emphasis on participation. for social interaction, membership models, • MA rowing at BARC has had significant recruitment and available resources. Clubs positive impacts at the individual, club and need guidance to be able to consider all broader societal level. MA has the potential these aspects carefully. to transform grassroots sports. December 2018 www.mixedabilitysports.org All in the same boat! A case study of MA rowing All in the same boat! A case study of MA rowing About BARC Introducing MA rowing BARC is a British Rowing affiliated club with A focus group held before MA started revealed ‘People with disabilities wanted around 150 members. It is situated on the a mix of concerns and eagerness to proceed River Aire in Baildon. BARC celebrated its amongst BARC committee members. to take part in the club properly. 150th anniversary in 2017. Those who attended the IMAS presentation They wanted to take part in the BARC embraced MA rowing as part of the Mixed at BARC in December 2016 had an excellent social life of the club.’ Ability Sports Development Programme (MASDP) understanding of the MA concept. Those who led by International Mixed Ability Sports (IMAS) hadn’t attended were less clear as to how MA and funded by Sport England. The club is known differed from disability rowing. for being friendly and welcoming, but wanted to become more inclusive and better represent the ‘The Model that was described to us ... made community. When Celia Hickson became President clear that people with disabilities wanted to in September 2014 she made inclusivity a key take part in the club properly. They wanted to development area for the club. MA rowing was take part in the social life of the club ... rather seen as a great way to achieve this aim because than being in their own kind of ghetto or their IMAS advised that they could work with the existing own enclave. So the whole point was club facilities rather than make significant financial participation in the wider club.’ investments to include ‘disability rowing’ facilities. Keith Myers, BARC Committee member, BARC chose to secure additional funding in order attended IMAS presentation, to purchase touring boats which are slightly more Dec 2016 stable for beginner rowers. The club’s charitable status enabled its members to apply for a variety of grants to support MA, raising over £10,000 in additional funds. ‘Rowing is a brilliant sport. Early concerns Early motivations It’s cardiovascular, non-weight- Resourcing MA rowing: To give back: bearing, it’s outdoors, with Volunteer resources are already stretched at There was a strong desire to give back to the BARC and MA will reduce capacity further. club and to the sport of rowing through MA. people, very social, and it’s a Types of disability: Coaching satisfaction: team-based sport, so it should Most people felt comfortable and familiar with Coaching new people, helping them meet their goals be available to everyone.’ physical disability but less confident about supporting and improve was a key motivation for developing MA. people with learning disabilities, largely due to fears Celia Hickson, Inclusive ethos: President of BARC over communication. This was particularly in relation to risk, concerning the ability of MA rowers to respond BARC promotes an inclusive ethos and MA was quickly in an emergency, which is critical given the seen as contributing to this. dynamic context of a river system. Club benefits: ‘I think, I’ll lay my cards on the table and say MA rowing was seen as a way to increase and What is Mixed Ability? I think I’d find it very difficult to coach someone diversify membership, as well as shaping BARC’s reputation for innovation. Many people face significant barriers to and learning through interactive and accessible with learning difficulties. Physical difficulties I can participating in mainstream sport through, training and resources. This creates sporting cope with, but learning difficulties is a bit tricky.’ for example, disability, age, gender, background environments that are safe, welcoming and Chris Morley, or poor self-perception. MA sport takes an non-judgemental. MA emphasises the importance BARC Committee member, innovative approach to breaking down these of regular, frequent and sustainable activities, MA coach and volunteer coordinator barriers. MA participants from a wide range of self-determination, club membership and backgrounds and abilities share experiences opportunities for social interaction for all. 2 3 All in the same boat! A case study of MA rowing All in the same boat! A case study of MA rowing MA rowing timeline June 2017 October 2017 - March 2018 Research focus group with committee prior Training continued to start of MA rowing MA beginner numbers September 2016 dropped from four to two MA rowing sessions Sport England December March 2017 started Tuesday 22 May 2018 funding confirmed June with four beginners Sunday morning 2016 BARC received and around 25 members of February 2016 sessions started with £3,000 from the BARC on the volunteer rota IMAS presentation one existing MA rower IMAS-led stakeholder Rowing Foundation at BARC to attending and two new consultation in introduce the MA members from the club Bradford about Sport Model to the Club August 2017 joining the MA session England bid to trial (five members of MA sport beyond Committee present Land training continued as rugby fewer volunteers available Research interviews and British Rowing with BARC members Disability Officer) over the summer October - March - September 2017 June 2018 November 2016 September 2016 BARC’s Autumn Regatta BARC’s Annual Sprint BARC, supported by Regatta with the first MA rowing idea was the first club event to British Rowing Disability MA crew race ‘The introduced and be attended by one of the Officer, submitted February 2017 May 2017 MA rowers as a spectator 4-Michaels’ discussed (led by three funding bids to BARC received BARC received and helper with logistics the BARC President) supplement Mixed Ability £5,000 from the £2,819 from the Research interviews at BARC committee Sport Development First training ‘on the water’ Gannett Foundation Peter Harrison Trust with BARC members meetings Programme (MASDP) funding for equipment Ordered new touring boats for MA rowing which are Methodology slightly more stable MA participants This research summary presents key themes and learning emerging recruited through from BARC’s MA rowing journey. Data were gathered through: existing IMAS • a focus group with seven members of the BARC Committee activities, open days July 2017 in May 2017; and presentations. Land training for MA April 2018 • interviews with ten members of the club, including those involved crew using rowing Volunteers recruited BARC ‘War of the and not involved in MA rowing, in May - July 2018; machines and cycling through BARC. Roses’ event attended • participant observation at BARC between May 2017 and July 2018. New touring boats by one of the MA arrived at BARC rowers 4 5 All in the same boat! A case study of MA rowing All in the same boat! A case study of MA rowing Challenges and opportunities of MA rowing Key learnings Over the first year of developing MA rowing, there were some clear areas which worked MA training across a club is crucial to ensure • Informal club events are an excellent way to well and others which were more challenging. • understanding of MA and to reduce challenges encourage the integration of MA rowers and for those involved. raise awareness of MA more broadly. Peer education and training The club environment • Preliminary training at the introduction stage • Alternative financial models, such as sessional payments, could increase accessibility of club BARC had only had the initial presentation from IMAS The culture of BARC, as a welcoming club that could focus on the issues likely to arise, followed membership for MA participants. rather than the full MA peer training and accreditation. caters for all ages and supports social as well as by additional sessions when specific challenges This had resulted in a lack of guidance and competition rowing, made it easier to introduce have been identified by supporters of the • Clubs need to work with IMAS to develop understanding around MA, which is explored further MA to the club.
Load more

Recommended publications
  • Frequencies Between Serial Killer Typology And
    FREQUENCIES BETWEEN SERIAL KILLER TYPOLOGY AND THEORIZED ETIOLOGICAL FACTORS A dissertation presented to the faculty of ANTIOCH UNIVERSITY SANTA BARBARA in partial fulfillment of the requirements for the degree of DOCTOR OF PSYCHOLOGY in CLINICAL PSYCHOLOGY By Leryn Rose-Doggett Messori March 2016 FREQUENCIES BETWEEN SERIAL KILLER TYPOLOGY AND THEORIZED ETIOLOGICAL FACTORS This dissertation, by Leryn Rose-Doggett Messori, has been approved by the committee members signed below who recommend that it be accepted by the faculty of Antioch University Santa Barbara in partial fulfillment of requirements for the degree of DOCTOR OF PSYCHOLOGY Dissertation Committee: _______________________________ Ron Pilato, Psy.D. Chairperson _______________________________ Brett Kia-Keating, Ed.D. Second Faculty _______________________________ Maxann Shwartz, Ph.D. External Expert ii © Copyright by Leryn Rose-Doggett Messori, 2016 All Rights Reserved iii ABSTRACT FREQUENCIES BETWEEN SERIAL KILLER TYPOLOGY AND THEORIZED ETIOLOGICAL FACTORS LERYN ROSE-DOGGETT MESSORI Antioch University Santa Barbara Santa Barbara, CA This study examined the association between serial killer typologies and previously proposed etiological factors within serial killer case histories. Stratified sampling based on race and gender was used to identify thirty-six serial killers for this study. The percentage of serial killers within each race and gender category included in the study was taken from current serial killer demographic statistics between 1950 and 2010. Detailed data
    [Show full text]
  • Understanding Youth Gangs in Yakima County
    Is My Child At Risk For Gang Involvement? Parents play a crucial role in keeping their children out of gangs. Unfortunately many parents lack important information Understanding about what to look for. Youth between 12-14 years of age are most likely to consider joining a gang; however children as young as first grade can be recruited. You should know that kids who have school difficulties, a lack of parental supervision, use alcohol or other drugs, are often Youth Gangs truant from school or very prone to “following the pack” are most at risk of gang involvement. in Yakima County Why Do Kids Join Gangs? Adolescence is a time in life when children begin to define their own identity. Many seek out new peer groups as a means Yakima County Resources of gaining acceptance. Gangs can meet this need. Gangs can provide things children may not get at home or elsewhere — not just acceptance, but structure, money, food, activities, companionship, and even love. Kids don’t run toward gangs, they are running away from something else and find gangs. You can help prevent gang involvement by ensuring all your 211 is a local resource help line that can refer you children’s needs are met in some other way. to parenting programs, counselors, mental health therapists, and substance abuse providers. Southeast Community Center/OIC/Building the Bridges gang outreach workers can be reached at 509-575-6114 Behaviors Associated With Gang Involvement Randy Town, ESD 105 Yakima County Gang Youth who are involved in gangs may exhibit changes in behavior.
    [Show full text]
  • Religious-Verses-And-Poems
    A CLUSTER OF PRECIOUS MEMORIES A bud the Gardener gave us, A cluster of precious memories A pure and lovely child. Sprayed with a million tears He gave it to our keeping Wishing God had spared you If only for a few more years. To cherish undefiled; You left a special memory And just as it was opening And a sorrow too great to hold, To the glory of the day, To us who loved and lost you Down came the Heavenly Father Your memory will never grow old. Thanks for the years we had, And took our bud away. Thanks for the memories we shared. We only prayed that when you left us That you knew how much we cared. 1 2 AFTERGLOW A Heart of Gold I’d like the memory of me A heart of gold stopped beating to be a happy one. I’d like to leave an afterglow Working hands at rest of smiles when life is done. God broke our hearts to prove to us I’d like to leave an echo He only takes the best whispering softly down the ways, Leaves and flowers may wither Of happy times and laughing times The golden sun may set and bright and sunny days. I’d like the tears of those who grieve But the hearts that loved you dearly to dry before too long, Are the ones that won’t forget. And cherish those very special memories to which I belong. 4 3 ALL IS WELL A LIFE – WELL LIVED Death is nothing at all, I have only slipped away into the next room.
    [Show full text]
  • Internship Notice #38
    Alumni Office Room 1W9 Isaac B. Honor - Internship Coordinator [email protected] INTERNSHIP NOTICE #38 We have released the GO Getter Summer Internship application for GO Summer 2017! The GO Project is an education nonprofit based in Lower Manhattan, and we are currently looking for high school students to apply to our GO Getter Summer Internship program. As we do each year, we would love to share this competitive and exciting opportunity with your students! GO Getter Summer Internship During our 5 week summer program, the GO Getter High School Summer Internship is an opportunity for high school students to learn and develop leadership skills, social consciousness, and the ability to realize their potential to impact change within the larger community. The GO Getter Summer Internship consists of three main components: 1) Reflective direct service as volunteer teaching assistants in a K - 5th grade classroom (providing support in Math, Literacy, Art, Music, Theater, Sports, Etc.) 2) Daily professional development sessions that utilize an intensive social justice curriculum to discuss diversity and educational equity 3) A culminating service project that interns independently develop throughout the summer in order to become catalysts of change The internship curriculum is rigorous and provides interns with an understanding of the barriers to educational equity and the ways in which they, and others, can shift these barriers. The GO Getters Summer Internship allows high school students to engage in meaningful professional development
    [Show full text]
  • After John's Arrest, Jesus Appeared in Galilee Proclaiming the Good News
    Discipleship by the Sea: “Call” July 5, 2020 ~ Pentecost 5A Rev. Beckie Sweet Mark 1:14-20 (ILB) After John’s arrest, Jesus appeared in Galilee proclaiming the Good News of God: “This is the time of fulfillment. The reign of God is at hand! Change your hearts and minds, and believe this Good News!” While walking by the Sea of Galilee, Jesus saw the brothers Simon and Andrew casting their nets into the sea, since they fished by trade. Jesus said to them, “Follow me; I will make you fishers of humankind.” They immediately abandoned their nets and followed Jesus. Proceeding a little further along, Jesus saw the brothers of James and John Bar-Zebedee. They too were in their boat, putting their nets in order. Immediately Jesus called them, and they left their father Zebedee standing in the boat with the hired help, and went off in the company of Jesus. This is the Word of God for the people of God! Thanks be to God! Discipleship by the Sea: “Call” Simon and Andrew were casting a new into the sea, for they were fishers, they made their living by fishing. Day after day, it was the same thing; the same sea, the same net, the same boat. Day after day it was wind, water, fish, sore muscles, tired bodies. They probably grew up watching their dad and granddad fishing, watching their future life, watching how they too would spend their time. Cast the net, pull it in. Cast the net, pull it in. If you are not casting the net, then you sit in the boat mending the net.
    [Show full text]
  • Do-Gooders and Go-Getters: Selection and Performance in Public Service
    DO-GOODERS AND GO-GETTERS: SELECTION AND PERFORMANCE IN PUBLIC SERVICE DELIVERYú Nava Ashraf Oriana Bandiera Scott S. Lee June 12, 2016 Abstract State capacity to provide public services depends on the motivation of the agents recruited to deliver them. We design an experiment to quantify the effect of agent selection on service effectiveness. The experiment, embedded in a nationwide recruitment drive for a new govern- ment health position in Zambia, shows that agents attracted to a civil service career have more skills and ambition than those attracted to “doing good”. Data from a mobile platform, ad- ministrative records, and household surveys show that they deliver more services, change health practices, and produce better health outcomes in the communities they serve. JEL classification: J24, 015, M54, D82. úAshraf: Department of Economics, LSE, [email protected]. Bandiera: Department of Economics and STICERD, LSE, [email protected]. Lee: Harvard Medical School and Harvard Business School, [email protected]. We thank the Ministry of Health of Zambia and especially Mrs. Mutinta Musonda for partnership on this project. We thank the IGC, JPAL Governance Initiative, USAID and HBS DFRD for financial support. We also thank Robert Akerlof, Charles Angelucci, Tim Besley, Robin Burgess, Paul Gertler, Edward Glaeser, Kelsey Jack, Giacomo Ponzetto, Imran Rasul, Jonah Rockoffand seminar participants at several institutions for useful comments. Adam Grant, Amy Wrzesniewski, and Patricia Satterstrom kindly provided guidance on psychometric scales. We thank Kristin Johnson, Conceptor Chilopa, Mardieh Dennis, Madeleen Husselman, Alister Kandyata, Allan Lalisan, Mashekwa Maboshe, Elena Moroz, Shotaro Nakamura, Sara Lowes, and Sandy Tsai, for the excellent research assistance and the Clinton Health Access Initiative in Zambia for their collaboration.
    [Show full text]
  • Flexible Spending Accounts Frequently Asked Questions
    Flexible Spending Accounts Frequently Asked Questions Flexible spending accounts (FSAs) allow you to reduce your tax burden and increase your take home payable income, while you set aside money for eligible medical expenses. Read on to learn more about how FSAs can benefit you! If you have questions about your FSA after you enroll, you may call Member Services at 952-883-7000 or toll-free at 866-443-9352. TTY users can call 952-883-5127 or 888-850-4762. Note: This document has general FSA information. For information that is specific to your FSA plan offering, please refer to your employer’s plan document. Q What is an FSA plan? A A flexible spending account is an employer-sponsored benefit that allows you to set aside pre-tax dollars to pay for eligible health care and/or dependent care expenses. Q How does the FSA work? A Here’s how flexible spending account work: • Estimate your eligible expenses for the upcoming year (health care and/or dependent care). • Determine how much you want to have set aside from your pay to go into your FSA to pay for your eligible expenses for the coming year (this amount is called your “election”). • The money you elect for your FSA will be automatically deducted from your paycheck on a pre- tax basis and credited to your FSA over the course of the year through payroll deduction. • When you have an eligible expense, you can submit a claim to be reimbursed from your FSA. (Certain claims are submitted automatically – read further for details).
    [Show full text]
  • Objective Length Materials Needed Information to Share (Spend 10 Minutes on This Section)
    Objective To help us identify with the girls, remind us why Girl Scouts is so special, and give meaning to what we do as volunteers. Length 25 minutes Materials Needed Pencils and paper Information to Share (spend 10 minutes on this section) What is your Girl Scout Story? Girl Scouts is an organization that supports personal growth. After all, our long term goal is to develop girls of courage, confidence, and character who make the world a better place. Understanding how Girl Scouts has affected your personal growth is beneficial to you in the following ways: 1. It helps remind you why you do what you do as a Girl Scout volunteer by providing meaning and personal connection to the Girl Scout program. 2. It helps you relate to girls and how they may be developing and growing through different Girl Scout activities. 3. It provides a tool for you to talk about Girl Scouts with others who may be interested in joining or learning more about the program. How does Girl Scouts develop girls of courage, confidence, and character who make the world a better place? Girl Scouts provides opportunities for girls to grow through activities. Through these activities, girls learn from experience to be Go-getters, Innovators, Risk-takers, and Leaders. Being a Go-getter means being determined to succeed. Through Girl Scouts, girls learn to be bold, honest, goal-oriented, and ambitious. Being an Innovator means thinking outside of the box, or being creative. In Girl Scouts, we use resources wisely and are experimental and original, in order to make things happen.
    [Show full text]
  • 22 Tips to Use at a Networking Event
    22 Tips To Use At A Networking Event By Mark Hunter Networking events have been part of the business and social scene for as long as anyone can remember. For many people, they make a trip to the dentist seem fun. For others, networking events are enjoyable, but because of who they have to spend time with, they wish they had scheduled a visit to the dentist. Regardless of your feelings on the subject, when attending an event, it's important to have the perspective that your goal should be to help others first. Unfortunately, it's an old cliché that is often left at the door. The next time you're headed to an event, keep in mind the following simple, helpful rule: after it's all said and done, you want to have earned the right, privilege, honor, and respect to be able to meet with them again. This is not a license to sell yourself, but an opportunity to build a relationship. 1. When you arrive at a networking event, avoid gravitating to people you know. You should initially thank the host and then immediately find someone new to introduce yourself to. This will help keep you in the right frame of mind as to why you came. 2. Stop selling and start listening! When you meet someone for the first time, use it as an opportunity to get to know them. Don't try to sell them anything. Rather, begin to establish a relationship. 3. Keep your business cards in the breast pocket of your coat, a shirt pocket, or in an outside pocket of your purse so they are easy to access and in good condition.
    [Show full text]
  • 2019 NAR Home Buyer and Seller Generational Trends Report
    National Association of REALTORS® Research Group April, 2019 JOHN SMABY, CRB, GRI President VINCE MALTA President-Elect CHARLIE OPPLER First Vice President JOHN FLOR, ABR, CRS, GRI, EPRO Treasurer ELIZABETH MENDENHALL, ABR, ABRM, CIPS, CRB, GRI, PMN, EPRO Immediate Past President BRIAN COPELAND, CIPS, CRS, GRI, EPRO Vice President of Association Affairs TRACY KASPER, CRS, GRI, SFR 2019 NAR Leadership Team Vice President of Advocacy BOB GOLDBERG Chief Executive Officer 2019 NAR Home Buyer and Seller Generational Trends 2 Lawrence Yun, Ph.D. Chief Economist and Senior Vice President Jessica Lautz, DrRealEst Vice President, Demographics and Behavioral Insights Brandi Snowden Director, Member and Consumer Survey Research Amanda Riggs Research Survey Analyst Brian Horowitz NAR Research Staff Research Survey Analyst Anna Schnerre Research Assistant 2019 NAR Home Buyer and Seller Generational Trends 3 Introduction 5 Chapter 1: Characteristics of Home Buyers 10 Chapter 2: Characteristics of Homes Purchased 27 Chapter 3: The Home Search Process 46 Chapter 4: Home Buying and Real Estate Professionals 60 Chapter 5: Financing the Home Purchase 77 Chapter 6: Home Sellers and Their Selling Experience 93 Chapter 7: Home Selling and Real Estate Professionals 120 Table of Contents Methodology 134 2019 NAR Home Buyer and Seller Generational Trends 4 Introduction 2019 NAR Home Buyer and Seller Generational Trends 5 AGE OF HOME BUYERS Older Gen Y / Silent Generation Younger Boomers Millennials: Gen Z 1925-1945 1955-1964 1980-1989 1999 to Present 1920 2019
    [Show full text]
  • Teachers for Tomorrow's Schools
    CHAPTER 2 TEACHERS FOR TOMORROW’S SCHOOLS SUMMARY Schools are being asked to play a key role in helping OECD societies adapt to social and economic change; they will not be able to meet such challenges unless teachers are at the centre of the process. This chapter argues that attempts to transform teaching and learning must not neglect the teachers themselves, whose expertise, motivation and organisation needs to be brought to bear in support of change, rather than being neglected or, worse still, regarded as an obstacle. The transformation of teaching is no easy task, given the size and diversity of the teaching force. Few generalisations can be made across all countries. School teachers compose from 2 to 4 per cent of OECD workforces. The majority are women, at the primary level, in most countries, but this varies across countries, and in secondary schools there are many men – who for example compose three-quarters of upper secondary German and Japanese teachers. Lower secondary teacher salaries vary from 0.8 time average national income per head to 2.9 times. A high proportion of teachers are in their 50s – this too varies widely, from 40 per cent in Sweden to 13 per cent in Austria. Both younger and older teachers need to be involved in a renewal of skills and attitudes to create schools appropriate for the challenges ahead. Increasingly, professional development is being interpreted to mean more than upgrading the skills of individual teachers, with great stress put on learning that creates lasting improvements in the practices of schools. There are signs that there is still far too little investment in such development, although by its nature it can be hard to measure.
    [Show full text]
  • Spending Tomorrow's Money Today
    Spending Tomorrow’s Money Today In today’s society, more and more people are Debit cards offer some of the same advantages using credit on a daily basis. Many of them do as using credit without some of the not appreciate the effect it may have on their disadvantages. Like credit cards, debit cards financial future. The average family today has are safer and more convenient than cash. six credit cards. For those families who do not However, unlike making purchases with credit pay off their balance in full every month, the cards, there are no interest charges when using average amount of debt debit cards and fewer they carry on their Here are some tips for fees. In addition, using credit cards totals using credit to your advantage: a debit card reduces $8500. At one time, if your ability to you wanted a new ♦ Limit the number of credit cards you have. overspend since you television, you would This will limit your potential for debt and cannot spend more have to settle for your allow you to keep track of how much you money than you have outdated model until owe and to whom. available in your you could afford to buy ♦ Plan ahead when using credit. Determine checking account. a new one. Today, with what expenses you already have by the ease of both developing a spending plan. Make sure There are, however, a obtaining and using that your income will be able to cover all few important things to credit, most people your basic living expenses in addition to keep in mind when would go to the your debt payments.
    [Show full text]