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06.12.2015, admin
There have been many stars over the years, who have risen to fame through being a Disney star. An Ass was being driven along a road leading down the mountain side, when he suddenly took it into his silly head to choose his own path. They who will not listen to reason but stubbornly go their own way against the friendly advice of those who are wiser than they, are on the road to misfortune.
Some days later, while stalking his prey in the forest, the Lion was caught in the toils of a hunter's net. One day as he sat watching the Sheep and the quiet forest, and thinking what he would do should he see a Wolf, he thought of a plan to amuse himself.
His Master had told him to call for help should a Wolf attack the flock, and the Villagers would drive it away. As he expected, the Villagers who heard the cry dropped their work and ran in great excitement to the pasture. Then one evening as the sun was setting behind the forest and the shadows were creeping out over the pasture, a Wolf really did spring from the underbrush and fall upon the Sheep. A Gnat flew over the meadow with much buzzing for so small a creature and settled on the tip of one of the horns of a Bull. Two Travellers, walking in the noonday sun, sought the shade of a widespreading tree to rest. A Stork of a very simple and trusting nature had been asked by a gay party of Cranes to visit a field that had been newly planted. The Sheep in the pasture were much astonished and amused at the Pig's behavior, and followed the Shepherd and his charge to the pasture gate. Two men were traveling in company along the road when one of them picked up a well-filled purse. We cannot expect any one to share our misfortunes unless we are willing to share our good fortune also. One day as the Lion walked proudly down a forest aisle, and the animals respectfully made way for him, an Ass brayed a scornful remark as he passed. Jupiter saw what simple and foolish creatures they were, but to keep them quiet and make them think they had a king he threw down a huge log, which fell into the water with a great splash. Now there was a certain old Owl who had become very cross and hard to please as she grew older, especially if anything disturbed her daily slumbers.
But the Grasshopper answered saucily that he had as much right to his place in the sun as the Owl had to her place in the old oak. The wise old Owl knew quite well that it would do no good to argue with the Grasshopper, nor with anybody else for that matter.
Just then an immense shadow blotted him out entirely, and the next instant a Lion struck him down with a single blow. But just then the royal Cat spied him, and the next instant, the Rat knew he was not quite so important as an Elephant. The stones were flying thick and fast and the Boys were enjoying themselves very much; but the poor Frogs in the pond were trembling with fear.
At last one of the Frogs, the oldest and bravest, put his head out of the water, and said, "Oh, please, dear children, stop your cruel play! In a spell of dry weather, when the Birds could find very little to drink, a thirsty Crow found a pitcher with a little water in it. In the aftermath of a BrokerCheck study that concluded 1 in 13 advisors have tainted histories, Senator Elizabeth Warren (D-Mass.) is asking the Financial Industry Regulatory Authority to disclose plans for curtailing broker misconduct.
In the most recent Eaton Vance Advisor Top-Of-Mind Index study, more than half of advisors surveyed said their concerns over market volatility have increased in the past 12 months. Brilliance isn’t essential for successful financial professionals and, if anything, can be a characteristic that makes employees hard to manage, says David Rubenstein, founder of private equity advisor The Carlyle Group. Advisory firms often focus on training their sales reps and ensuring that advertising and web campaigns target appropriate customers. Changes to forms 1099-R and 5498 that require IRA custodians to disclose hard-to-value assets in IRAs could lead to the Internal Revenue Service increasing its enforcement of required minimum distributions. Present bias, or spending money now rather than saving, and failing to appreciate the power of compounded earnings has cost retirement savers $1.7 trillion.
A lawsuit alleging that Edison International improperly favored high-fee funds for its 401(k) plan has been rejected by 9th U.S. The Security and Exchange Commission’s Investor Advisory Committee wants the regulator to mandate that standard fees be disclosed--in actual dollar amounts--on customer account statements.
Morgan Stanley is building a help desk with more than 10 staffers who will answers questions from financial advisors about complying with the new retirement fiduciary rule. Even though markets have been calm recently, the large equity selloff in the second half of 2015 and in the early portion of 2016 illustrates how quickly investor sentiment can sour. Robo-advisor Betterment has raised another $100 million in venture capital and plans to use the funding to build out additional advice products.
The registered investment advisor community is quickly growing as clients increasingly prefer working with advisors who comply with the fiduciary standard, says Bill Van Law, president of Raymond James’s Investment Advisors Division. Advisors with the Certified Financial Planner distinction tend to have higher levels of trust among clients and earn, on average, 20% more than other advisors, according to a study funded by the CFP Board of Standards and conducted by the Aite Group. The Securities and Exchange Commission has created the office of Risk and Strategy to focus on examining investment advisors and mutual funds.
Many Americans nearing retirement age are pursuing careers with a charitable or civic service nature, which is creating opportunities for financial planners. The Securities and Exchange Commission’s decision to shift resources from broker exams to advisor exams has been driven by necessity, says Marc Wyatt, director of the examinations office.
Among black working-age households, 62% have no savings in retirement accounts, while only 37% of working-age white households lack such savings, according to a National Institute on Retirement study.
Individuals who are old enough to sneak past the recent termination deadline for using the file and suspend strategy that helps boost Social Security benefits are reportedly being told they are not allowed to use the strategy.
A study of retirement assets during the 2000s has concluded that retirees in the top quintile of wealth have been spending substantially less than their savings allows for. Funding for the Securities and Exchange Commission and the Futures Trading Commission would be doubled by 2021 under the budget recently proposed by President Obama.
President Obama’s proposed budget includes provisions that would increase the number of Americans covered by employer-sponsored retirement plans by expanding the use of multiple employer plans. Bill McNabb, who is the chief of ETF giant The Vanguard Group is warning the industry that the large number of ETFs being launched could create problems for investors. The Department of Labor’s proposed fiduciary standard could create a big increase in orphan accounts, which are accounts that end up being managed by home offices rather than by broker-dealers registered reps, says Paul Sankovich, chief compliance officer at Wells Fargo Advisors Financial Network.
The Financial Industry Regulatory Authority (FINRA) is investigating how robo advisors manage risk, says Dawn Calonge, surveillance director at the organization.
Deena Friedman, who skippered the Fidelity Select Retail Fund to an 18.59% return in 2015, has been selected by Bloomberg as the stock picker of the year. Only one out of every five advisor recruits stays in the industry, but firms can take various steps to improve retention.
The Securities and Exchange Commission has fined Everhart Financial Group nearly $240,000 and ordered the advisory firm to appoint a chief compliance officer after the regulator determined that the company was inappropriately recommending funds with 12b-1 fees for retirement plans.
With weakening economic growth in China and other concerns driving market volatility, billionaire investor George Soros says capital markets currently remind him of conditions that existed during the economic crisis of 2008.
For financial advisory firms, implementing customer relationship management technology can be a high stakes and dicey undertaking. Galen Marsh, who as a Morgan Stanley advisor downloaded client data to his home computer without permission, has been sentenced to three years of probation and ordered to pay $600,000 in restitution. Retirement plan fees are falling as 401(k) participants increasingly embrace low-cost products.
The proposed Department of Labor fiduciary standard could cost the financial industry in excessive of $2.4 billion in lost transaction revenues, which is more than double most estimates, says Morningstar Analyst Stephen Ellis. A small number of stocks including Amazon, General Electric, Alphabet, Microsoft, and Facebook drove market gains in 2015. Having $30,000 in student debt can cut as much as $325,000 from 401(k) balances by the time an individual reaches retirement.
Only 64% of advisors responding to a recent Russell Investments Financial Professionals Outlook survey have a positive outlook for capital markets over the next three years. Online market gurus have been forecasting rapid growth of web surfers connecting to cyberspace with smartphones and tablets and a decrease in the use of desktops and laptops. Smart Beta exchange traded funds captured $3 billion in assets in October and $53.7 billion during the first ten months of this year, according to London-based research firm ETFGI.
Despite occasional articles about advisors stealing from clients, only 2% of individual advisors have reported criminal charges such as felony convictions or investment related misdemeanors, according to an analysis of industry data by Big Crunch.
Morgan Stanley advisors who land clients that need cash management services next year can receive bonuses up to $50,000.
Susan Elizabeth Walker, 51, of Plymouth, Minnesota, has been sentenced to more than seven years in the slammer after being found guilty of stealing $1.1 million from at least 24 clients. The Securities and Exchange Commission has issued a warning regarding outsourced compliance programs based on deficiencies that it has uncovered during examinations.
Providing low-cost tax return preparation to generate financial planning prospects is just one of a variety of successful strategies. During the past year, daily equity market declines and gains exceeding 1% have been common, with investor sentiment quickly changing based on the prevailing outlook for the Federal Reserve’s monetary policy. File and suspend, which allows one member of a couple to receive a spousal benefit from Social Security while both spouses’ benefits continue to accrue, would be terminated under the budget bill that was recently passed by the House of Representatives. Mounting levels of student debt and declining home ownership among younger people means that many recent college grads will have to work to age 75 before retiring.
The Certified Financial Planner Board of Standards should be raising the requirements to become a certified financial planning. Periodically adjusting asset allocations based on expected returns of different asset classes can generate better returns than traditional target date funds, according to back testing completed by Grantham, May, van Otterloo.
Boston-based startup firm Gradifi has launched the Student Loan Paydown Plan, which allows business to make payments toward their employees’ student debt. Impact investors, or those investors seeking to invest in a socially responsible manner, don’t have to sacrifice returns to stay true to their calling, according to a new Wharton School study.


In the next five years, private wealth is estimated to grow from approximately $14 trillion to $22 trillion. Traditional advisors can compete with robo-advisors by being prepared to answer tough questions about fees, understanding what services clients value, expanding their referral networks, and clearly articulating the range of services they provide. Advisors should ensure that female clients can find financial planning documents, such as life insurance policies in the event that they outlive their husbands.
Advisors need to address frequently overlooked aspects of their digital branding to ensure that their reputation and marketing are assets rather than liabilities. The Department of Labor is moving forward with a rule change intended to help states start retirement plans without running afoul of regulations included in the Employee Retirement Income and Security Act. Financial services firms are awaiting a list of products that the Department of Labor may restrict from being used in IRAs as part of its fiduciary standard rule.
Investors younger than 40 ramped up stock purchases on August 24 when the market tanked 1,000 points at the open, according to Robinhood, which is a stock trading app that is frequently used by Millennials.
The Social Security Administration says it will provide retroactive spousal benefits to same-sex couples that were married in states that previously didn’t recognize such matrimonial unions, according to attorneys for plaintiffs. Many advisors may cringe when conversations suffer from akward silence, but such moments can lead to more productive conversations. Labor Secretary Thomas Perez says he will continue to push for a fiduciary standard for retirement plan advisors even though Republicans and moderate Democrats are concerned that the rule could harm low-income individuals.
Advisors need to understand the complex emotions that can accompany sudden wealth in order to best serve their clients. While blissful couples pledge to stay married until death, the reality is that approximately 50% of marriages inthe U.S.
Collecting Social Security early can help retirees assess how much they can spend because the payments are consistent. The annual household savings rate climbed to 5.5% last year, up nearly a full percentage point from 2013.
Advisors can engage their clients and strengthen relationships by using appropriate teaching styles for each investor’s preferred method of learning.
May and June have been tough months for Bill Gross and his Janus Global Unconstrained Bond Fund with investors withdrawing $50 million from the portfolio during the period, according to Morningstar. The Securities and Exchange Commission recently awarded a whistleblower $3 million for information that helped the regulator crack a complex case of fraud. Advocates of the fiduciary requirement for retirement investment advisors have delivered a petition with 230,000 signatures to the Department of Labor to urge the regulator to support the proposed standard. Industry trade groups are proposing legislation that would require retirement planning advisors to serve in the best interest of clients rather than comply with the Department of Labor’s proposed fiduciary standard, says Steve Saxon, chairman of Groom Law Group. One such star is Demi Lovato, who has gone on to have a very successful singing career and is preparing for her second season as a judge on The X Factor USA.
He could see his stall at the foot of the mountain, and to him the quickest way down seemed to be over the edge of the nearest cliff. Though the task they had to do was very light compared with that of the Oxen, they creaked and groaned at every turn. A timid little Mouse came upon him unexpectedly, and in her fright and haste to get away, ran across the Lion's nose. So now, though he had not seen anything that even looked like a Wolf, he ran toward the village shouting at the top of his voice, "Wolf!
But when they got there they found the Boy doubled up with laughter at the trick he had played on them. Wolf!" But though the Villagers heard the cry, they did not run to help him as they had before.
But the party ended dismally with all the birds entangled in the meshes of the Farmer's net. He very quickly captured the porker, which squealed at the top of its voice the moment the Shepherd laid his hands on it. They had so much freedom that it had spoiled them, and they did nothing but sit around croaking in a bored manner and wishing for a government that could entertain them with the pomp and display of royalty, and rule them in a way to make them know they were being ruled. The Frogs hid themselves among the reeds and grasses, thinking the new king to be some fearful giant. Then after sundown, when the rosy light fades from the sky and the shadows rise slowly through the wood, out she comes ruffling and blinking from the old hollow tree. One warm summer afternoon as she dozed away in her den in the old oak tree, a Grasshopper nearby began a joyous but very raspy song. Besides, her eyes were not sharp enough by day to permit her to punish the Grasshopper as he deserved. Up he jumped to the Owl's den, but as soon as he was near enough so the old Owl could see him clearly, she pounced upon him and ate him up. As he ran, the setting sun cast his shadow far out on the ground, and it looked as if the wolf were a hundred times bigger than he really was. When the wind blew, the great Oak stood proudly upright with its hundred arms uplifted to the sky.
The Boys amused themselves by throwing stones into the pond so as to make them skip on top of the water. But the pitcher was high and had a narrow neck, and no matter how he tried, the Crow could not reach the water.
Those include services on its 401(k) platform and additional features for use by financial advisors. Now, recent data suggests the use of such portable devices has exploded, which underscores the need for advisors to ensure that their websites are well equipped to handle smartphone and tablet traffic.
Instead, it is making it easier to obtain the credentials, writes Rick Kahler, who is president of financial planning firm Kahler Financial Group.
During that period, furthermore, women are expected to control two-thirds of private wealth.
La Placa and a handful of other team members that collectively manage $3 billion in assets have left the San Francisco office of Deutsche Bank to start their own firm.
Just as he was about to leap over, his master caught him by the tail and tried to pull him back, but the stubborn Ass would not yield and pulled with all his might. The poor Oxen, pulling with all their might to draw the wagon through the deep mud, had their ears filled with the loud complaining of the Wheels.
But before he left he begged the Bull's pardon for having used his horn for a resting place.
Out popped the old Owl's head from the opening in the tree that served her both for door and for window.
The wind redoubled in fury, and all at once the great tree fell, torn up by the roots, and lay among the pitying Reeds. With each pebble the water rose a little higher until at last it was near enough so he could drink.
If you throw into the mix the occasional premature death of a spouse, then it becomes clear that a substantial portion of advisors’ married clients are likely to become single. Running to one of the great ropes that bound him, she gnawed it until it parted, and soon the Lion was free. But in spite of its squeals and struggles to escape, the Shepherd tucked his prize under his arm and started off to the butcher's in the market place. In a short time the younger Frogs were using him for a diving platform, while the older Frogs made him a meeting place, where they complained loudly to Jupiter about the government.
In mournful croaks they begged Jupiter to take away the cruel tyrant before they should all be destroyed. Rat walked alonga€”he kept mostly to the ditcha€”he noticed a great commotion up the road, and soon a grand procession came in view. 9:15: "And Jesus said unto them, Can the children of the bride-chamber mourn, as long as the bridegroom is with them? We should fast because fasting was a part and parcel of the life of our Lord, Jesus Christ (Matt. Fasting enables one to become a conductor of spiritual power for either blessing others or for bringing blessings to himself.A 7. When unable to pray (like David,) it enables one to be so anointed that his prayer reaches through to God.
Fasting intensifies the power of prayer many times so that even short prayers bring results.A 10. Fasting is the greatest faith producer because the fasting and the faith organ are one and the same . Fasting is more closely related to faith than any other Christian work, and, in fact, is the very gateway to trust and have faith in God after conversion.
Fasting enables one to transcend the natural and takes one quickly into the spiritual realm.
There is more judgment pronounced upon those given to food addiction than to alcoholic drunkards (in the Bible). Sin is sin whether it comes under the good name of "food" or under some more insidious term. Most Christians are unknowingly bound to the sin of "habit hunger" (actually food addiction). A protracted fast will break this yoke in as little as three daysa€™ time, and will keep an individual free with temperate eating.A 22. Fasting will undo all sins of intemperance (after Jesusa€™ blood has first washed away our sins).A 23. Fasting will crucify the flesh and all unnatural desires associated with lusts of any appetite gratification.A 24. Fasting places our natural appetites into a dormant condition, thus physical pleasures are not enjoyed while our flesh becomes sublimated. A revival spirit comes about inside us, along with the proper burdens that we should carry for others.A 28. Fasting will change a life of defeat into one of victory and will bring healing and new life to both body and soul.A 29. Fasting, when properly entered into, is the surest method of consecration and sanctification.A 30.


Fasting develops the fruit of the Spirit and enables one to grow into maturity, with matured fruit.A 31.
Most Christians, like the children of Israel, are wasting forty years of their lifetime (even with speaking in tongues) without deeper spiritual gift manifestations and without the fruit of the Spirit, just because they fail to fast as they should. Fasting brings one into the misery and sufferings of the fleshly nature in such a manner that he can see himself in the same light that Jesus sees him. Fasting will always enable one to obtain the direction and anointing needed for the work to which he is called.A 37. Fasting will give a well-size or even unlimited capacity to enjoy the riches of heaven, immortality, glory, honor, and power. Fasting and its related terms of expression are mentioned one third as many times in the Bible as prayer. To every two sermons you hear preached on prayer, you should hear a third sermon on fasting. The author asks the reader this question: How many times has he ever heard a sermon on fasting in his lifetime? It is truly deplorable that author asks the reader this question: How many times has he ever heard a sermon on fasting in his lifetime? It is truly deplorable that such a major doctrine in both the Old and New Testaments has been so neglected, ignored, and disrespected.A 39. The present-time impartation of the continuous healing fire is being presented today with ever-widening enthusiasm to those who heed this reformation message.A 40 Physical Health Reasons(See Isaiah 58th Chapter)A We are again discussing why we should fast, only this time we are considering the subject from the scientific physical standpoint instead of the spiritual.
Bear in mind that any person, saved or unsaved, can receive the secondary physical blessings of fasting, but only the consecrated child of God can receive the full spiritual blessings.When we go into food abstention, we give the stomach a vacation and vacate into the Spirit.
Nothing can clean up the house of the Holy Spirit more effectively and quickly than giving the stomach a holiday. If the physical benefits were all that were received, they would be worth fasting for, and people would live 25 to 35 years longer (according to some authorities). Many of Goda€™s people are committing "Slow Suicide" by being continually on a three meal a day stuffing habit, not satisfied with stuffing God and faith out of their lives, but stuffing out their own life years ahead of time as well. Fasting rids the body of practically all the unwanted poisonous filth of autointoxication.A 45.
It even cleanses the blood vessels so that the blood circulates all through vessels that may have heretofore been clogged up. Fasting gives the overworked stomach a vacation as well as nearly all other parts of the body.A 50. Oftentimes the very disease itself is turned into food fuel for its own destruction, any value in it being utilized for nourishment.A A 51.
Fasting quickly heals simple diseases such as boils, skin blemishes, indigestion, dyspepsia, constipation (although at first the fast seems to aggravate the condition), rheumatism, fever, anemia, asthma, change of life and irregular periodical functions in females, restoring to normal and healing other diseases. Major fasting will also cure most other major diseases caused by impurities in the system.A 53. Fasting improves the mental faculties, making it easier to think, study, remember, and concentrate. Fasting eradicates mucous, stringy, ropy fecal material and floating food particles within the body.A 55. After ten or fifteen days of fasting the individual usually becomes stronger, physically, day by day, after the initial cleansing of the body takes place.A 56.
Fasting will remove ordinary headaches and the coffee or caffeine headache, along with the overuse of coffee or any other abnormal habits.A 58. Fasting will also eradicate tobacco, drug and drinking habits in as little time as three days, water only taken during the fast, with temperate eating habits after the fast. Some of these are poisonous, contaminated, rotten food particles that have been on the walls of the stomach for months. Some doctors have said that dehydrated food and even worms were found impacted in the walls of the intestinal tract for more than 15 years.
This very condition invites disease and demons, and with fasting they are starved out.A 60.
Regular fasting prolongs life from twenty to forty years, depending on how much and how properly the fasts are entered into.A 62.
Fasting will remove tumors as large as watermelons, also ulcers, cancer and goiters, and will revitalize the glands.A 63. The weakness felt while fasting generally disappears after the worst poisons and pollutions are removed by the house cleaning process. Fasting, after two weeks, more or less, causes the breath that was so foul during the first of the fast to become clean and pure like that of a child.A 65. Fasting will so purify the skin that often the complexion becomes rosy and like a young persona€™s.A 67.
The older a person becomes the more often he should fast, though shorter fasts should be taken. History and the Bible show us that the men and women who fasted the most lived the longest. Fasting develops patience, aids temperance, and enables one to have proper spiritual growth as well as physical prosperity.A 70.
Fasting draws the intestinal tract up and into its normal size and overcomes and prevents colitis and piles.A 72. Thin persons might not realize that they need to fast, in some cases even more than a heavy person. The thin individual has so many times overworked his organs by overeating, that he is incapable of putting on weight. I have seen many an underweight person fast from two to three weeks and weigh more after breaking the fast properly than he weighed before fasting. At first an automatic blood transfusion is set up within the body by the blood remaining from the weight that is lost. This excess blood goes through the body to bathe the organs and it enters into the head causing sleeplessness for a time.
This, in turn, causes habit hunger (lust hunger) which is entirely different from true hunger.
Actually, when folk have great difficulty in fasting, they are under bondage to the food addiction habit in the same manner as those who are under alcohol, drug, tobacco, or other types of bondages.
Fasting should be frequent, to clean and keep clean the temple and home of the Holy Spirit and to keep from food addiction habits.A 80.
Couples having family difficulties and discord oftentimes come together in a new understanding with new love and success after a major fast (see I Cor. When we (really and truly) possess the experiences of both bodyfelt and heartfelt salvation, we have no more sickness, tiredness, or sin, ever, just as long as we continue serving Jesus, the giver of these blessings.It was never intended for man to always be on a two, three, or more meal a day stuffing program. By obtaining the above double blessing experience of getting our body saved as well as our soul, we, then, by fasting become loosened from the food-addiction-bondage. After we become weaned away from the food bondage and food slavery addiction appetite, our attentions are focused to the new menu of eating from the life giving menu of the Lorda€™s everlasting body. We, then, lose our natural appetite for things that are corruptible, carnal, temporal and earthly. Franklin Halla€?Have Faith As A Grain Of Mustard Seed And Nothing Shall Be Impossible Unto You By Prayer And Fastinga€?(St. This was `habit hunger`A  --- but real, true hunger demands food to nourish the body and is necessary. His very Life was an example of fasting and prayer.A  Fasting is called a pillar of the Christian religion. Jesus stressed fasting in His Sermon on the Mount in the same manner in which He stressed `giving` and ` prayer` (St.
When the Christ goes away, they were to tarry in Jerusalem and He would give them the Comforter (St.
Let all of us obey His Commandments and Teachings;Let us follow our Jesus all the way through to see results. Fasting would give them the FAITH so they too, could go out and do everything that Jesus had done (St. John 14:12) and because Jesus fasted often and, also, He fasted forty days, then Jesus went out, with all FAITH, to undo the works of Satan.
Jesus said they would do even greater things than He had done but, however, not without fasting because proper fasting brings out the glory of the Spirit and the power of Faith.A Again in St.
Matthew, chapter 17, given at the beginning, we are given a great revelation as to WHY JESUS FASTED.He fasted so that He, too, would have the FAITH that removes mountains.
It is the power of prayer amplified many times: Prayer that reaches beyong ordinary prayer. Prayer That Sees No Defeat!!A One explanation why the average person who has very little faith, cannot understand why fasting gives faith, is for the simple reason that FASTING IS TOO MUCH LIKE FAITH ITSELF. We do not go by sight when we go by faith, and fasting is so much related to FAITH that it is the very threshold of FAITH itself. FAITH IS ILLUMINATED LIKE ATOMIC ENERGY THROUGH FASTING!!A A person without the `fasting faith` is like an automobile without sufficient power to climb a hill. The car will run on the level, but where great power is required, it becomes a failure, like the powerless disciples were, when they had not fasted.A The very weakness that one develops, through fasting, is the building of faith. When one seems to be groping around in the dark and accomplishing nothing during a fast, that is actually the building of faith. IMPORTANT NOTICE LITTLE BLOOMS CHILDREN`S ORPHANAGE INDIA MY INDIA MISSIONS TRIP APOSTOLIC BIBLICAL THEOLOGICAL SEMINARY NEW DELHI INDIA NAZARENE ISRAELITE ???
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