Canada Lottery Revenue $100 billion: 37.5% or 3/8 Canadians play lottery

Canada Lottery Revenue $100 billion: 37.5% or 3/8 Canadians play lottery

Canada Lottery revenue of $100 billion a year
can provide $28,000/yr to each Canadian
living in poverty and those under poverty line.

Canadians who play lottery ranges from 25% to 50% of the entire population of 36 million (2016).

If we take the average of 1/4 and 1/2, this will result in 3/8 (0.375).

If we multiply 36 million by 0.375 (37.5%), this is be 13.5 million estimated lottery participation rate in Canada.

Odds of winning Lotto 6/49 Calculation by probability:

Formula: n!/[k!*(n-k)!]

where:
n is the number of alternatives
k is the number of choices.

49!/[6!*(49-6)!]

49!/[6!*43!]

6.08e+62/(720*6.04e+52)

6.08e+62/4.35e+55

13,983,816


Alternative caculation method:

49 × 48 × 47 × 46 × 45 × 44
----------------------------------
6 × 5 × 4 × 3 × 2 × 1

10,068,347,520 divided by 720

13,983,816


Therefore the Odds of winning is 1 in 13,983,816.

This is 7.15e-8

or 0.000007%

or 7% divided by 1 million



Comparing the number of Canadian lottery players of 13.5 million to the odds of winning of 1 in 13,983,816 for Lotto 6/49, and if each player just buys one ticket, AND given the assumption that each ticket is unique, then it is possible that one ticket will win in every draw.

CANADA Lottery Estimated Revenue

if the 13.5 million lotto players buy just one ticket and a ticket costs $3

Revenue = 13.5 million x $3

Revenue = $40.5 million

Starting jackpot price of Lotto 6/49 is $5 million

Revenue minus jackpot price = 40.5 million - 5 million

Revenue after jackpot price = 35.5 million ------ MINIMUM


in reality, lotto players actually buy more than one ticket,
so $35 million revenue is just a minimum

if on average lotto players buy 2 tickets, then

Revenue = 13.5 million x $3 x 2

Revenue = $81 million

Revenue after jackpot price = $81 million - $5 million

Revenue after jackpot price = $76 million  ---- this is just for Lotto 6/49


Lotto 6/49 is drawn twice a week, so there are 104 total draws in a year.

Yearly Revenue = $76 million x 104

Yearly Revenue = $8 billion


However, Canada lottery has many other forms of lottery games such as Lotto Max, $1000 a week for life and many others............so the revenue is close to maybe $100 billion a year.

DISTRIBUTION OF WEALTH:

The population of Canada under the poverty line is 10% or 3.6 million.

$100 billion/3.6 million

$28,000

If this $100 billion is equally distributed to Canadians living in poverty, then each will receive $28,000 a year.

33% (one-third) cheaper to live in Philippines than in Canada

Average Monthly Salary in PHILIPPINES (Peso-Dollar)

Criteria/Notes:
Supervisor / 5 Years & Up Experienced Employee
Average Income taken between High and Low
Exchange Rate: 1 Canadian Dollar = 40 Pesos (Php)
Values valid as of year 2014
List only contains common job titles


Accountant: Php 20,000 = $500

Clerk: Php 15,000 = $375

Cashier: Php 15,000 = $375

Doctor (Government Hospital): Php 30,000 = $750

Engineer: Php 22,000 = $550

Executive Secretary: Php 20,000 = $500

General Manager (CEO/VP/Director): Php 90,000 = $2,250

Machine Operator: Php 18,000 = $450
 
Nurse: Php 16,000 = $400

President of the Philippines: PhP 120,000 = $3,000

Secretary: Php 18,000 = $450

Senator of the Philippines: Php 100,000 = $2,500

Supervisor: Php 20,000 = $500

Teacher: Php 18,333 = $460

Technician: Php 17,500 = $440

Waiter: Php 15,000 = $375


Interesting Observation:
An average Canadian Engineer earns 3 times more than a Filipino General Manager/CEO
An average Canadian Engineer earns over 2 times more than the President of the Philippines
An average Canadian blue collar (manual laborer) has the SAME salary as the President of the Philippines



Canadian vs Philippine Worker Salary Comparison 

Calculation Notes:
Engineer job title
Cashier position title
5 years experience and above
Average Monthly pay
Family of four

Canadian Engineer: $7,500
Philippine Engineer: $550
Salary Difference: Engineer in Canada is paid 14 times more

Canadian Cashier: $1,725
Philippine Cashier: $375
Salary Difference: Cashier in Canada is paid 5 times greater




Average monthly disposable salary (income used for living expenses)

Canada: $2,775
Philippines: $330




Cost of Living vs Salary

Canadian Engineer:
$2,775 / $7,500 = 40%
40% of Canadian Engineer's salary is the average cost of living in Canada

Philippine Engineer:
$330 / $550 = 60%
60% of Filipino Engineer's salary is the average cost of living in Philippines

Canadian Cashier:
$1,725 / $2,775 = 60%
Canadian Cashier's salary is only 60% of the average cost of living in Canada (not enough salary to pay for living expenses)

Philippine Cashier:
$330 / $375 = 90%
90% of Filipino Cashier's salary is the average cost of living in the Philippines




Cost of Living Canada vs Philippines Comparison

Consumer Prices in Philippines are 50.73% lower than in Canada

Consumer Prices Including Rent in Philippines are 58.14% lower than in Canada

Rent Prices in Philippines are 77.25% lower than in Canada

Restaurant Prices in Philippines are 68.58% lower than in Canada

Groceries Prices in Philippines are 52.38% lower than in Canada

Local Purchasing Power in Philippines is 67.17% lower than in Canada




Comparison of Prices, Canada vs Philippines

Food is 42% cheaper in Philippines

Housing is 21% cheaper in Philippines

Clothes are 5% cheaper in Philippines

Transportation is 25% cheaper in Philippines

Personal Care is 40% cheaper in Philippines

Entertainment is 25% cheaper in Philippines

TOTAL: PHILIPPINES' COST OF LIVING IS 33% CHEAPER COMPARED TO CANADA 




Average cost of decent living

Philippines: $1,000 per month
Canada: $3,000 per month




CONCLUSION:

Average Pay Difference: Canadian workers are paid 10 times more dollars than Filipino workers

but

Average Cost of Living: It is 33% (one-third) cheaper to live in Philippines than in Canada

and

Quality of Life: You can live an equivalent Canadian standard of living in the Philippines for 1/3 of the cost

Source References:
http://myjobstreet.jobstreet.com/career-enhancer/basic-salary-report.php?param=||ph||ph
http://www.forces.gc.ca/en/caf-community-pay/reg-force-class-c-officer-rates.page
http://www.workopolis.com/content/advice/article/the-ten-highest-and-ten-lowest-paying-jobs-in-canada/
http://www.livingin-canada.com/salaries-for-mechanical-engineers-canada.html
http://en.wikipedia.org/wiki/President_of_the_Philippines
http://www.quora.com/How-much-does-a-congressman-in-the-Philippines-earn-per-year
http://www.salaryexplorer.com/salary-survey.php?loc=38&loctype=1
http://www.payscale.com/research/CA/Job=Mechanical_Engineer/Salary
http://www.numbeo.com/cost-of-living/compare_countries_result.jsp?country1=Canada&country2=Philippines
http://www.nationmaster.com/country-info/stats/Cost-of-living/Average-monthly-disposable-salary/After-tax#country
http://www.expatistan.com/cost-of-living
http://internationalliving.com/2013/10/the-top-three-best-places-to-retire-overseas-for-a-low-cost-of-living/

How to Improve Listening Skills

Look at the speaker's eye (or face).
Inquire about things that are not clear to you.
Summarize by paraphrasing in your own words.
Take notes (if you have to) but make sure don't miss the conversation.
Encourage the speaker to say more and explain more.
Neutralize yourself. Don't agree or disagree. Just listen, period.

----

Ask politely the speaker to repeat himself/herself.
Ask relevant questions and know how to ask the proper questions.

Being a good listener fosters better relations and allows you to connect and interact to people more easily.
Be fully aware and completely present.
Be in the moment all the time throughout the conversation.
Be open to new ideas.
Be patient. Hardwork has great rewards.
Be physically and mentally prepared to listen.
Be sensitive to Body Language and Emotions.

Clarify.
Clear your mind of anything not related to the subject or topic. Forget your worries at home...

Do not fake listening. Do not pretend to be hearing even if the topic is boring.
Do not think of rebuttals.
Don't argue with the ideas expressed by the speaker. Just accept it.
Don't be eager or too excited to express yourself or react. Let what you heard sink in to your mind at a deeper level.
Don't criticize.
Don't interrupt the person you are talking to. Let him finish and express himself.
Don't judge the person or the ideas expressed.
Don't mentally and physically turn off even if topic gets uninteresting.
Dont wander. Dont take a mental vacation somewhere or elsewhere.

Feedback.
Focus all your energy and attention to what the speaker is saying.

Get fascinated. Even if the subject is boring, there is always something new and beneficial that you can pick up.
Go out and talk or listen to native english speakers.

Humans can listen 4 times faster than speaking, so concentrate and don't think of something else.
Humans can speak on average 150 words per minute and can listen to 600 words per minute. So, concentrate, focus, control yourself and fight over distractions.


If you miss any word or words spoken, don't be afraid to ask for further clarifications and explanations.
Ignore distractions, avoid selective listening.

Know that by listening carefully, you are also building a good interpersonal relationship.

Learn how the native speakers (American, Canadian, Australian or other English-speaking groups) pronounce English words.
Learn reductions, shortcuts and word linking within a sentence or sentences.
Let the person finish talking, pause a bit to absorb the message, then start talking.
Listen to audio books, files, CDs, etc. and repeat listening until understood.
Listen to easy to understand and interesting music.
Look at the speakers' facial expression.

Make eye to eye contact.
Maintain Good Posture.

Pause 3 to 5 seconds before talking.
Practice listening at your level. Start with easy to listen and enjoyable materials and then medium then hard as you progress.
Practice listening by hearing dictations and writing down what you just heard.
Practice listening. Practice makes perfect, so practice, practice, practice.
Prepare and anticipate the words you are going to hear.

Remember that active listening boosts the speakers' self esteem as well as your own self esteem.
Repetition is your friend.
Respect the speaker. Respect the speaker's opinion, ideas, perspective and point of view.

Say encouraging things like Really?, OK, Ahh, Mmm, Right, etc.
Set a goal in your overall listening skill learning objective. Aim to listen 100% of all the words said.
Show genuine interest.
Show that you care what the person discussed to you by asking questions and making sure you understood his or her point and the message that he/she is trying to get across.
Sit in front.
Study the intonation, emphasis, accent, flow and rhythm of words that are stressed and unstressed.
Study the speaking patterns of native English speakers.

Turn on Active Listening. It is in the power of the mind.

Watch interesting and entertaining English movies and films with subtitles (captions).
Watch your favorite English TV shows and turn on the close captioning/subtitles.
When you have a meeting, class or conference, study about the topic in advance.
Work on a vocabulary system to improve your word database.

Your job is to listen and pay attention. That's it.

----

Further help can be obtained by learning from videos in websites on the internet.
Search: How to improve listening skills or How to be a good listener.

This blog post is intended to help other people how to improve their listening skills and how to become a good listener.
Any advice, suggestions and comments are most welcome. Thank you in advance.

List of Phrase Reductions, Contractions and Word Linking in Conversational or Spoken English

Non-native English speakers, beginners, learners and immigrants especially in North America pronounce all the syllables, drop, replace or otherwise make the pronunciation of the word sound different, unnatural and hard to understand. Native American, Canadian and other English speaking groups apparently talk very fast when heard by the first group mentioned above. This is because native speakers:
1. shorten or do word shortcuts
2. use weak forms in informal conversations
3. link words in a sentence
4. use phrase reductions
5. use contractions and short forms

When watching English movies or listening to hiphop music, actors and rappers talk and sing fast. They use one or a combination of the tricks and techniques above. Now add to this the idioms and slang in informal communication. The result is that non-native speakers misunderstand what the native speakers are trying to say. Although the list below is short and by no means complete, it is intended for use by beginners in learning the English language. The list can become endless. It is just a basic starting point to express the idea behind rapid talking.
    

List of Phrase Reductions, Contractions and Word Linking in Conversational or Spoken English:

A
am not, are not, is not = ain't
and = n
are not = aren't


B
bet you = betcha


C
cannot = can't
could have = coulda
could have been = kudabin
could not = couldn't


D
did he = dide
did not = didn't
did you = didya, didja, dija, jya
did you eat = jeet
did you ever = jever, jeva
did you have = jev
didn't you = didenya
do not = don't
does not = doesn't
don't know = donno, dunno
don't you = doncha


F
for you = ferya, feya
front of = frunna


G
get you = getcha
give me = gimme
going to = gonna
got to = gotta
got you = gotcha


H
had not = hadn't
had to = hada
has not = hasn't
has not; have not = ain't
has to = hasta, hasda
have not = haven't
have to = hafta, hafda
he had; he would = he'd
he is; he has = he's
he will; he shall = he'll
her = er
him = im
how are you = howarya
how do you = howdya
how did you = howjya
how would you = howujya


I
I am = I'm
I had; I would = I'd
I will; I shall = I'll
I have = I've
if i could = faykud
is it = zit
is it not = aint
is not = isn't
is not it = iznit
if it is = fits


K
kind of = kinda, kina
kinds of = kindsa


L
let me = lemme
let us = let's
lots of = lotsa
lot of = lotta


M
might have = mighta
might not = mightn't
must have = musta
must not = mustn't


O
or = er, e
ought to = oughda, oughta
out of = outta


S
shall not = shan't
she had; she would = she'd
she will; she shall = she'll
she is; she has = she's
should have = shouldav, shoulda, shuda
should not = shant, shont, shouldn't
should not be = shontbe
should not have = shouldnav, shouldna
should have been = shouldabeen
sort of = sorta


T
that is; that has = that's
that is it = datsit
there is; there has = there's
they had; they would = they'd
they will; they shall = they'll
they are = they're
they have = they've
this is it = disizit
trying to = tryna
type of = typa


W
want to = wanna
want you = wancha
we had; we would = we'd
we are = we're
we have = we've
were not = weren't
what are = what're
what are you = waddaya
what did you = whajya, whadya
what do you = wadya
what have = what've
what is; what has = what's
what is her = whatser
what is his = whatsiz
what is up = whassup, wazap
what will; what shall = what'll
whatcha = what are you, what have you
when did you = whendya, whenjya
where did you = wherdya, wherjya
where is; where has = where's
who are = who're
who did you = whodyu, whojya
who had; who would = who'd
who have = who've
who is; who has = who's
who will; who shall = who'll
will not = won't
won't you = woncha
would have = wouldav, woulda, wuda
would have been = wudabin
would not = wouldn't
would not have = wouldnav, wouldna
would you = woujya, wouldya


Y   
you = ya, yo, u
you had; you would = you'd
you will; you shall = you'll
you are = you're
you have = you've

Common English Idioms, Idiomatic Expressions, and Slang

An idiom is a phrase, expression, or group of words in which the meaning can not be derived from the component words. An idiom or idiomatic expression can also mean a form of speech in a specific region or dialect. An idiom or idiomatic phrase or expression can also be referred to a conversational manner of speaking for natural speakers of the language. Idioms also sometimes are considered slang language or slang phrases and expressions.

Getting familiar with these English Idioms below can very helpful for English learners, non-english speakers, or immigrants. Once you know these basic idiomatic expressions and phrases, it will be helpful for you when watching English movies, English programs and shows in your TV channels, and listening to radio stations. It will also be important when you apply for work, job interviews, communication skills, common conversations to natural english speakers, co-workers, and many more helpful applications for your benefit.

These common English Idioms below are typical in places and situations like MUSEUM, RESTAURANT, BAR, CLUB, MUSIC CONCERTS, PERFORMANCES AND SHOWS, THEATRE, LOVE PROBLEMS, PERSONAL RELATIONSHIPS, DATING, FAMILY TIME, RELATIONSHIP WITH A BOSS, CONVERSATIONS IN SCHOOL AND LIBRARY, PARTY AND FUN ACTIVITIES, CARS AND DRIVING, SHOPPING MALLS, DEPARTMENT STORES, SUPERMARKETS, HOSPITALS AND HEALTH PROBLEMS, EXERCISES AND HEALTH PROGRAMS, BUYING HOMES, HOUSES AND CONDOS, VEHICLE REPAIR SHOP, and so much more...

Common English Idioms, Idiomatic Expressions, and Slang:

A

a bomb = bad production
a dive = inferior restaurant/coffe shop
a piece = a gun
a trip = rather strange
anybody's guess = uncertain 

B

beats me = I don't know; no idea;
big house = jail
blimp = fat person
blow lines = make mistakes
body that won't quit = fantastic figure
bombed = depressed
booze = alcohol; liquor
break the ice = start communicating
build bridges = establish relationship
burn rubber = drive fast
busted = arrested
but in = interfere
butterflies in stomach = nervous
buzz = talk with excitement; rumour

C

catch red handed = catch doing wrong
cheezy = cheap and bad looking
chicken out = scared; afraid
chopped liver = unimportant; insignificant
clam up = keep quiet
cock and bull story = unbelievable tale
cold day in hell = never
cold fish = unfriendly
come on to = flirt with
come up = happen; occur;
cool dude = nice man
cost an arm and a leg = very expensive
crazed = confused; agitated
crib = house
crook = dishonest
cut it = capable; successful
cut to the chase = get to the most important things

D

dead = very; extremely; absolutely
dead wrong = absolutely wrong
dirt = inside info
drag = bore; boring
draw a blank = forget something suddenly
drive nuts = annoy; make nervous; make crazy
drop in on = visit
dump = terrible house/apartment

E

eighty six = not available; to throw away
eleven = extreme, exceeding; so many problems
every cloud has a silver lining = there's hope even in difficult times
everything but the kitchen sink = almost everything
excuse my French = forgive me for cursing

F

face = name
fall for = tricked into believing
fat chance = no chance
flat broke = absolutely no money
for Pete's sake = for God's sake
freak out = shock; surprised; nervous

G

get a load of = observe; look
get away with = escape responsibility; succeed in doing something dishonest
get real = be rational
get some shut eye = sleep
get through = survive
give me a break = it can't be so
give to me straight = tell me the truth
go easy on = tolerant of
go over the top = over react
goodie too shoes = very righteous person
grab a bite = to get something to eat quickly
grab a chance = take advantage
grub = food

H

hang in there = don't give up
have a one track mind = to think most of the time; think same subject
have one's name = perfectly suited
have the hots = interested; attracted
health freak = too concerned about one's health
heck of = great; significant
heist = robbery; burglary
history = over
hit the nail on the head = absolutely right
hit the sack = go to bed
holdup = armed robbery
holy cow = wow
hooked on = like a lot
hot = sexy
hurl = throw up; vomit

I

it was a riot = it was great
it's on me = I'm paying

J

joint = bar, restaurant, dance place
just joshing = just joking, kidding, tricking around


K

keep = prevent from coming on time; late
kick the bucket = die
killer test = extremely difficult test
kissup = person trying to please others (to get something)
knock it off = stop it
knock off = steal; rob
knock out = gorgeous; very attractive
knucklehead = dumb

L

lift the spirits = cheer up
lives depended on it = life or death situation
load off the mind = relief
look down = look upset; lonely

M

make no bones about = to mention a fact very clearly
mumbo jumbo = nonsense
mum's the word = keep quiet
my gut tells me = my instincts tell me

N

nope = no
not a picnic = not easy
not the sharpest knife in the drawer = not to be very bright

O

old man = father
on the loose, at large = not yet caught
out of it = dazed; confused 

P

pact heat = carry a gun; arm with a weapon
pan = criticize
pig out = eat a lot
pissed off = angry
pop in on = visit without notice
pull a job = commit a crime
pull it together = get organized
pull off = succeed
put down = criticize
put finger on = discover the truth
put it to sleep = stop it
put on ice = shot; kill

R

right behind you = join in a minute
ripoff = unreasonably expensive
ritzy = expensive; fancy
rock with = dance with
rocks = great
rub elbows with = socialize

S

scout's honor = believe me; I swear
scumbag = bad person
size up = evaluate
slammer = prison
smacker = dollar
smartie pants = intellectual
smash hit = huge success
spaced out = dazed; confused; terrible; strange
spike the punch = put alcohol in the drinks
spill your guts = tell what's bothering
spit it out = tell me about it
stiff a waiter = not to give a tip
stink = extremely unsatisfactory
stud = successful with women

T

take a chill pill; chill out = calm down
take bs = take nonsense
take it from me = believe me
take the roof off the house = big success
the low down = whole story; about it
third degree = interrogate
ticked off = angry
to be decked out = to be decorated
to do the trick = succeed
to flip the bird = fuck/middle finger sign
to get a kick = to enjoy very much
to have a ball = enjoy very much; have a good time
to pull one's string = to be kidding; to be in control of
total babe = hot and sexy girl
trash a car = destroy a car

W

what's cooking = what's going on
what's eating you = what's the matter with you; what's bothering you
what's the deal = tell me about it
what's the scoop = what's the matter
when hell freezes over = never
when pigs fly = never
wiped out = exhausted
wouldn't be caught dead wearing = wouldn't be seen wearing

Y

yep/yup = yes
you bet = of course; sure
you can say that again = that's very true
you said it = I agree

Learning Basic French Language

Common conversation:
Bonsoir -- Good evening
Au revoir -- Goodbye
Comment vous appelez-vous? -- What is your name?
Je vais bien -- I am fine
Je suis desole -- I'm sorry (male speaker)
Je suis desolee -- I'm sorry (female speaker)
Non -- No
Merci -- Thank you


 
Every day:
Je ne parle pas francais -- I do not speak French
Combien? -- How much?
affame -- hungry
Pouvez-vous m'aider? -- Can you help me?


Days of the week, dates, months, calendar:
aujourd'hui -- today



Home objects:
l'eau -- water


Counting:
deux -- tow
trois -- three



Street/Transportation:
le taxi -- taxi
la rue -- street
la direction -- direction
Je vais -- I go


Hotel/Accommodations:
l'hotel -- hotel


Restaurant:
le cafe -- cafe

DEPRESSION, ANXIETY, DESPAIR - PEACE, HOPE, and ENCOURAGEMENT: according to the Bible

Worry is a heavy burden

Pro 12:25  Worry is a heavy burden, but a kind word always brings cheer.



worrying about the weather

Ecc 11:1  Be generous, and someday you will be rewarded.
Ecc 11:2  Share what you have with seven or eight others, because you never know when disaster may strike.
Ecc 11:3  Rain clouds always bring rain; trees always stay wherever they fall.
Ecc 11:4  If you worry about the weather and don't plant seeds, you won't harvest a crop.



Be cheerful, Rid yourself of all worry

Ecc 11:9  Be cheerful and enjoy life while you are young! Do what you want and find pleasure in what you see. But don't forget that God will judge you for everything you do.
Ecc 11:10  Rid yourself of all worry and pain, because the wonderful moments of youth quickly disappear.



rest without a worry and sleep soundly

Pro 3:21  My child, use common sense and sound judgment! Always keep them in mind.
Pro 3:22  They will help you to live a long and beautiful life.
Pro 3:23  You will walk safely and never stumble;
Pro 3:24  you will rest without a worry and sleep soundly.
Pro 3:25  So don't be afraid of sudden disasters or storms that strike those who are evil.
Pro 3:26  You can be sure that the LORD will protect you from harm.



worries, worries, worries!

1Co 7:32  I want all of you to be free from worry. An unmarried man worries about how to please the Lord.
1Co 7:33  But a married man has more worries. He must worry about the things of this world, because he wants to please his wife.
1Co 7:34  So he is pulled in two directions. Unmarried women and women who have never been married worry only about pleasing the Lord, and they keep their bodies and minds pure. But a married woman worries about the things of this world, because she wants to please her husband.




Don't let evil people worry you or make you jealous

Pro 24:16  Even if good people fall seven times, they will get back up. But when trouble strikes the wicked, that's the end of them.
Pro 24:17  Don't be happy to see your enemies trip and fall down.
Pro 24:18  The LORD will find out and be unhappy. Then he will stop being angry with them.
Pro 24:19  Don't let evil people worry you or make you jealous.
Pro 24:20  They will soon be gone like the flame of a lamp that burns out.




Hope, Security, Safety and Protection in times of depression, anxiety, trouble and worry

PSALMS 91

Psa 91:1  Live under the protection of God Most High and stay in the shadow of God All-Powerful.
Psa 91:2  Then you will say to the LORD, "You are my fortress, my place of safety; you are my God, and I trust you."
Psa 91:3  The Lord will keep you safe from secret traps and deadly diseases.
Psa 91:4  He will spread his wings over you and keep you secure. His faithfulness is like a shield or a city wall.
Psa 91:5  You won't need to worry about dangers at night or arrows during the day.
Psa 91:6  And you won't fear diseases that strike in the dark or sudden disaster at noon.
Psa 91:7  You will not be harmed, though thousands fall all around you.
Psa 91:8  And with your own eyes you will see the punishment of the wicked.
Psa 91:9  The LORD Most High is your fortress. Run to him for safety,
Psa 91:10  and no terrible disasters will strike you or your home.
Psa 91:11  God will command his angels to protect you wherever you go.
Psa 91:12  They will carry you in their arms, and you won't hurt your feet on the stones.
Psa 91:13  You will overpower the strongest lions and the most deadly snakes.
Psa 91:14  The Lord says, "If you love me and truly know who I am, I will rescue you and keep you safe.
Psa 91:15  When you are in trouble, call out to me. I will answer and be there to protect and honor you.
Psa 91:16  You will live a long life and see my saving power."




Let your hope make you glad

Rom 12:11  Never give up. Eagerly follow the Holy Spirit and serve the Lord.
Rom 12:12  Let your hope make you glad. Be patient in time of trouble and never stop praying.




Encouragement even when evil people succeed

PSALMS 37 (by King David)

Psa 37:1  Don't be annoyed by anyone who does wrong, and don't envy them.
Psa 37:2  They will soon disappear like grass without rain.
Psa 37:3  Trust the LORD and live right! The land will be yours, and you will be safe.
Psa 37:4  Do what the LORD wants, and he will give you your heart's desire.
Psa 37:5  Let the LORD lead you and trust him to help.
Psa 37:6  Then it will be as clear as the noonday sun that you were right.
Psa 37:7  Be patient and trust the LORD. Don't let it bother you when all goes well for those who do sinful things.
Psa 37:8  Don't be angry or furious. Anger can lead to sin.
Psa 37:9  All sinners will disappear, but if you trust the LORD, the land will be yours.
Psa 37:10  Sinners will soon disappear, never to be found,
Psa 37:11  but the poor will take the land and enjoy a big harvest.
Psa 37:12  Merciless people make plots against good people and snarl like animals,
Psa 37:13  but the Lord laughs and knows their time is coming soon.
Psa 37:14  The wicked kill with swords and shoot arrows to murder the poor and the needy and all who do right.
Psa 37:15  But they will be killed by their own swords, and their arrows will be broken.
Psa 37:16  It is better to live right and be poor than to be sinful and rich.
Psa 37:17  The wicked will lose all of their power, but the LORD gives strength to everyone who is good.
Psa 37:18  Those who obey the LORD are daily in his care, and what he has given them will be theirs forever.
Psa 37:19  They won't be in trouble when times are bad, and they will have plenty when food is scarce.
Psa 37:20  Wicked people are enemies of the LORD and will vanish like smoke from a field on fire.
Psa 37:21  An evil person borrows and never pays back; a good person is generous and never stops giving.
Psa 37:22  Everyone the LORD blesses will receive the land; everyone the LORD curses will be destroyed.
Psa 37:23  If you do what the LORD wants, he will make certain each step you take is sure.
Psa 37:24  The LORD will hold your hand, and if you stumble, you still won't fall.
Psa 37:25  As long as I can remember, good people have never been left helpless, and their children have never gone begging for food.
Psa 37:26  They gladly give and lend, and their children turn out good.
Psa 37:27  If you stop sinning and start doing right, you will keep living and be secure forever.
Psa 37:28  The LORD loves justice, and he won't ever desert his faithful people. He always protects them, but destroys the children of the wicked.
Psa 37:29  God's people will own the land and live here forever.
Psa 37:30  Words of wisdom come when good people speak for justice.
Psa 37:31  They remember God's teachings, and they never take a wrong step.
Psa 37:32  The wicked try to trap and kill good people,
Psa 37:33  but the LORD is on their side, and he will defend them when they are on trial.
Psa 37:34  Trust the LORD and follow him. He will give you the land, and you will see the wicked destroyed.
Psa 37:35  I have seen brutal people abuse others and grow strong like trees in rich soil.
Psa 37:36  Suddenly they disappeared! I looked, but they were gone and no longer there.
Psa 37:37  Think of the bright future waiting for all the families of honest and innocent and peace-loving people.
Psa 37:38  But not a trace will be left of the wicked or their families.
Psa 37:39  The LORD protects his people, and they can come to him in times of trouble.
Psa 37:40  The LORD helps them and saves them from the wicked because they run to him.





Don't let it bother you when others get rich and live in luxury

Psa 49:5  Why should I be afraid in times of trouble, when I am surrounded by vicious enemies?
Psa 49:6  They trust in their riches and brag about all of their wealth.
Psa 49:7  You cannot buy back your life or pay off God!
Psa 49:8  It costs far too much to buy back your life. You can never pay God enough
Psa 49:9  to stay alive forever and safe from death.
Psa 49:10  We see that wise people die, and so do stupid fools. Then their money is left for someone else.
Psa 49:11  The grave will be their home forever and ever, although they once had land of their own.
Psa 49:12  Our human glory disappears, and, like animals, we die.
Psa 49:13  Here is what happens to fools and to those who trust the words of fools:
Psa 49:14  They are like sheep with death as their shepherd, leading them to the grave. In the morning God's people will walk all over them, as their bodies lie rotting in their home, the grave.
Psa 49:15  But God will rescue me from the power of death.
Psa 49:16  Don't let it bother you when others get rich and live in luxury.
Psa 49:17  Soon they will die and all of their wealth will be left behind.
Psa 49:18  We humans are praised when we do well, and all of us are glad to be alive.
Psa 49:19  But we each will go down to our ancestors, never again to see the light of day.
Psa 49:20  Our human glory disappears, and, like animals, we die.





GOD offers hope amidst misery, trouble, sufferings and distress

Psa 10:2  Proud and brutal people hunt down the poor. But let them get caught by their own evil plans!
Psa 10:3  The wicked brag about their deepest desires. Those greedy people hate and curse you, LORD.
Psa 10:4  The wicked are too proud to turn to you or even think about you.
Psa 10:5  They are always successful, though they can't understand your teachings, and they keep sneering at their enemies.
Psa 10:6  In their hearts they say, "Nothing can hurt us! We'll always be happy and free from trouble."
Psa 10:7  They curse and tell lies, and all they talk about is how to be cruel or how to do wrong.
Psa 10:8  They hide outside villages, waiting to strike and murder some innocent victim.
Psa 10:9  They are hungry lions hiding in the bushes, hoping to catch some helpless passerby. They trap the poor in nets and drag them away.
Psa 10:10  They crouch down and wait to grab a victim.
Psa 10:11  They say, "God can't see! He's got on a blindfold."
Psa 10:12  Do something, LORD God, and use your powerful arm to help those in need.
Psa 10:13  The wicked don't respect you. In their hearts they say, "God won't punish us!"
Psa 10:14  But you see the trouble and the distress, and you will do something. The poor can count on you, and so can orphans.
Psa 10:15  Now break the arms of all merciless people. Punish them for doing wrong and make them stop.
Psa 10:16  Our LORD, you will always rule, but nations will vanish from the earth.
Psa 10:17  You listen to the longings of those who suffer. You offer them hope, and you pay attention to their cries for help.
Psa 10:18  You defend orphans and everyone else in need, so that no one on earth can terrify others again.





strength, guidance, support and help that comes from GOD

Psa 18:1 I love you, LORD God, and you make me strong.
Psa 18:2  You are my mighty rock, my fortress, my protector, the rock where I am safe, my shield, my powerful weapon, and my place of shelter.
Psa 18:3  I praise you, LORD! I prayed, and you rescued me from my enemies.
Psa 18:4  Death had wrapped its ropes around me, and I was almost swallowed by its flooding waters.
Psa 18:5  Ropes from the world of the dead had coiled around me, and death had set a trap in my path.
Psa 18:6  I was in terrible trouble when I called out to you, but from your temple you heard me and answered my prayer.

Psa 18:30  Your way is perfect, LORD, and your word is correct. You are a shield for those who run to you for help.
Psa 18:31  You alone are God! Only you are a mighty rock.
Psa 18:32  You give me strength and guide me right.
Psa 18:33  You make my feet run as fast as those of a deer, and you help me stand on the mountains.
Psa 18:34  You teach my hands to fight and my arms to use a bow of bronze.
Psa 18:35  You alone are my shield. Your right hand supports me, and by coming to help me, you have made me famous.
Psa 18:36  You clear the way for me, and now I won't stumble.





GOD will protect you, keep you safe and you will have no fears

Psa 27:1  You, LORD, are the light that keeps me safe. I am not afraid of anyone. You protect me, and I have no fears.
Psa 27:2  Brutal people may attack and try to kill me, but they will stumble. Fierce enemies may attack, but they will fall.
Psa 27:3  Armies may surround me, but I won't be afraid; war may break out, but I will trust you.
Psa 27:4  I ask only one thing, LORD: Let me live in your house every day of my life to see how wonderful you are and to pray in your temple.
Psa 27:5  In times of trouble, you will protect me. You will hide me in your tent and keep me safe on top of a mighty rock.
Psa 27:6  You will let me defeat all of my enemies. Then I will celebrate, as I enter your tent with animal sacrifices and songs of praise.
Psa 27:7  Please listen when I pray! Have pity. Answer my prayer.
Psa 27:8  My heart tells me to pray. I am eager to see your face,
Psa 27:9  so don't hide from me. I am your servant, and you have helped me. Don't turn from me in anger. You alone keep me safe. Don't reject or desert me.
Psa 27:10  Even if my father and mother should desert me, you will take care of me.
Psa 27:11  Teach me to follow, LORD, and lead me on the right path because of my enemies.
Psa 27:12  Don't let them do to me what they want. People tell lies about me and make terrible threats,
Psa 27:13  but I know I will live to see how kind you are.
Psa 27:14  Trust the LORD! Be brave and strong and trust the LORD.




LORD, You are my hiding place! You protect me from trouble

Psa 32:7  You are my hiding place! You protect me from trouble, and you put songs in my heart because you have saved me.
Psa 32:8  You said to me, "I will point out the road that you should follow. I will be your teacher and watch over you.
Psa 32:9  Don't be stupid like horses and mules that must be led with ropes to make them obey."
Psa 32:10  All kinds of troubles will strike the wicked, but your kindness shields those who trust you, LORD.
Psa 32:11  And so your good people should celebrate and shout.





God saw the trouble we were in. God's love never fails

Psa 136:1  Praise the LORD! He is good. God's love never fails.
Psa 136:2  Praise the God of all gods. God's love never fails.
Psa 136:3  Praise the Lord of lords. God's love never fails.
Psa 136:4  Only God works great miracles. God's love never fails.
Psa 136:5  With wisdom he made the sky. God's love never fails.
Psa 136:6  The Lord stretched the earth over the ocean. God's love never fails.
Psa 136:7  He made the bright lights in the sky. God's love never fails.
Psa 136:8  He lets the sun rule each day. God's love never fails.
Psa 136:9  He lets the moon and the stars rule each night. God's love never fails.
Psa 136:10  God struck down the first-born in every Egyptian family. God's love never fails.
Psa 136:11  He rescued Israel from Egypt. God's love never fails.
Psa 136:12  God used his great strength and his powerful arm. God's love never fails.
Psa 136:13  He split the Red Sea apart. God's love never fails.
Psa 136:14  The Lord brought Israel safely through the sea. God's love never fails.
Psa 136:15  He destroyed the Egyptian king and his army there. God's love never fails.
Psa 136:16  The Lord led his people through the desert. God's love never fails.
Psa 136:17  Our God defeated mighty kings. God's love never fails.
Psa 136:18  And he killed famous kings. God's love never fails.
Psa 136:19  One of them was Sihon, king of the Amorites. God's love never fails.
Psa 136:20  Another was King Og of Bashan. God's love never fails.
Psa 136:21  God took away their land. God's love never fails.
Psa 136:22  He gave their land to Israel, the people who serve him. God's love never fails.
Psa 136:23  God saw the trouble we were in. God's love never fails.
Psa 136:24  He rescued us from our enemies. God's love never fails.
Psa 136:25  He gives food to all who live. God's love never fails.
Psa 136:26  Praise God in heaven! God's love never fails.





seek ye first the Kingdom of GOD and His righteousness

Mat 6:25  I tell you not to worry about your life. Don't worry about having something to eat, drink, or wear. Isn't life more than food or clothing?
Mat 6:26  Look at the birds in the sky! They don't plant or harvest. They don't even store grain in barns. Yet your Father in heaven takes care of them. Aren't you worth more than birds?
Mat 6:27  Can worry make you live longer?
Mat 6:28  Why worry about clothes? Look how the wild flowers grow. They don't work hard to make their clothes.
Mat 6:29  But I tell you that Solomon with all his wealth wasn't as well clothed as one of them.
Mat 6:30  God gives such beauty to everything that grows in the fields, even though it is here today and thrown into a fire tomorrow. He will surely do even more for you! Why do you have such little faith?
Mat 6:31  Don't worry and ask yourselves, "Will we have anything to eat? Will we have anything to drink? Will we have any clothes to wear?"
Mat 6:32  Only people who don't know God are always worrying about such things. Your Father in heaven knows that you need all of these.
Mat 6:33  But more than anything else, put God's work first and do what he wants. Then the other things will be yours as well.
Mat 6:34  Don't worry about tomorrow. It will take care of itself. You have enough to worry about today.




Can worry make you live longer?

Luk 12:20  But God said to him, "You fool! Tonight you will die. Then who will get what you have stored up?"
Luk 12:21  "This is what happens to people who store up everything for themselves, but are poor in the sight of God."
Luk 12:22  Jesus said to his disciples: I tell you not to worry about your life! Don't worry about having something to eat or wear.
Luk 12:23  Life is more than food or clothing.
Luk 12:24  Look at the crows! They don't plant or harvest, and they don't have storehouses or barns. But God takes care of them. You are much more important than any birds.
Luk 12:25  Can worry make you live longer?
Luk 12:26  If you don't have power over small things, why worry about everything else?
Luk 12:27  Look how the wild flowers grow! They don't work hard to make their clothes. But I tell you that Solomon with all his wealth wasn't as well clothed as one of these flowers.
Luk 12:28  God gives such beauty to everything that grows in the fields, even though it is here today and thrown into a fire tomorrow. Won't he do even more for you? You have such little faith!
Luk 12:29  Don't keep worrying about having something to eat or drink.
Luk 12:30  Only people who don't know God are always worrying about such things. Your Father knows what you need.
Luk 12:31  But put God's work first, and these things will be yours as well.
Luk 12:32  My little group of disciples, don't be afraid! Your Father wants to give you the kingdom.
Luk 12:33  Sell what you have and give the money to the poor. Make yourselves moneybags that never wear out. Make sure your treasure is safe in heaven, where thieves cannot steal it and moths cannot destroy it.
Luk 12:34  Your heart will always be where your treasure is.




don't worry about what people might do

1Pe 3:9  Don't be hateful and insult people just because they are hateful and insult you. Instead, treat everyone with kindness. You are God's chosen ones, and he will bless you. The Scriptures say,
1Pe 3:10  "Do you really love life? Do you want to be happy? Then stop saying cruel things and quit telling lies.
1Pe 3:11  Give up your evil ways and do right, as you find and follow the road that leads to peace.
1Pe 3:12  The Lord watches over everyone who obeys him, and he listens to their prayers. But he opposes everyone who does evil."
1Pe 3:13  Can anyone really harm you for being eager to do good deeds?
1Pe 3:14  Even if you have to suffer for doing good things, God will bless you. So stop being afraid and don't worry about what people might do.
1Pe 3:15  Honor Christ and let him be the Lord of your life. Always be ready to give an answer when someone asks you about your hope.
1Pe 3:16  Give a kind and respectful answer and keep your conscience clear. This way you will make people ashamed for saying bad things about your good conduct as a follower of Christ.
1Pe 3:17  You are better off to obey God and suffer for doing right than to suffer for doing wrong.




peace of God which passes all understanding

Php 4:6  Do not be anxious about anything, but in everything by prayer and supplication, with thanksgiving, let your requests be made known to God.
Php 4:7  And the peace of God which passes all understanding shall keep your hearts and minds through Christ Jesus.



 
you will live a full life if you trust the LORD

Pro 28:25  Selfish people cause trouble, but you will live a full life if you trust the LORD.





The LORD is good

Nah 1:7  The LORD is good. He protects those who trust him in times of trouble.





GOD comforts us when we are in trouble

2Co 1:3  Praise God, the Father of our Lord Jesus Christ! The Father is a merciful God, who always gives us comfort.
2Co 1:4  He comforts us when we are in trouble, so that we can share that same comfort with others in trouble.





In times of trouble, God is with us

2Co 4:7  We are like clay jars in which this treasure is stored. The real power comes from God and not from us.
2Co 4:8  We often suffer, but we are never crushed. Even when we don't know what to do, we never give up.
2Co 4:9  In times of trouble, God is with us, and when we are knocked down, we get up again.
2Co 4:10  We face death every day because of Jesus. Our bodies show what his death was like, so that his life can also be seen in us.




My friends, be glad, even if you have a lot of trouble

Jas 1:2  My friends, be glad, even if you have a lot of trouble.
Jas 1:3  You know that you learn to endure by having your faith tested.
Jas 1:4  But you must learn to endure everything, so that you will be completely mature and not lacking in anything.





Can trouble, suffering, and hard times, or hunger and nakedness, or danger and death?

Rom 8:35  Can anything separate us from the love of Christ? Can trouble, suffering, and hard times, or hunger and nakedness, or danger and death?
Rom 8:36  It is exactly as the Scriptures say, "For you we face death all day long. We are like sheep on their way to be butchered."
Rom 8:37  In everything we have won more than a victory because of Christ who loves us.
Rom 8:38  I am sure that nothing can separate us from God's love--not life or death, not angels or spirits, not the present or the future,
Rom 8:39  and not powers above or powers below. Nothing in all creation can separate us from God's love for us in Christ Jesus our Lord!



I will reward you with a glorious life

Rev 2:10  Don't worry about what you will suffer. The devil will throw some of you into jail, and you will be tested and made to suffer for ten days. But if you are faithful until you die, I will reward you with a glorious life.