Luther taught that salvation is not earned by good deeds but received only as a free gift of God's grace through faith in Jesus Christ as redeemer from sin. His theology challenged the authority of the Pope of the Roman Catholic Church by teaching that the Bible is the only source of divinely revealed knowledge and opposed sacerdotalism by considering all baptized Christians to be a holy priesthood. Those who identify with Luther's teachings are called Lutherans. -- His (1522 A.D.) translation of the Bible into the language of the people (instead of Latin) made it more accessible, causing a tremendous impact on the church and on German culture. It fostered the development of a standard version of the German language, added several principles to the art of translation, and influenced the translation into English of the King James Bible. His hymns influenced the development of singing in churches. His marriage to Katharina von Bora set a model for the practice of clerical marriage, allowing Protestant priests to marry. -- In his later years, while suffering from several illnesses and deteriorating health, Luther became increasingly antisemitic, writing that Jewish homes should be destroyed, their synagogues burned, money confiscated and liberty curtailed. These statements have contributed to his controversial status.

Net Alpha Financial Systems, LLC, the technology company developing solutions that are transforming the way manufacturers, producers, distributors, and brokers transact in raw materials, today announced materialx® Decision Support, a new cloud-based subscription service that enables supply chain management organizations to make better raw material purchase decisions.

Historically in Texas, homes have appreciated at 4.5% annually (according to Texas A&M Real Estate Center). This is the expected appreciation we use when making real estate investment assumptions as well. For example, a $200,000 home would increase in value to $209,000 if appreciation was 4.5% for that year. If you wanted to save for 1 year a 5% downpayment for a $200,000 home in Austin, you would save 5% of the future value of the home, not the current value. You would save for a $209K purchase, $10,450, not $10,000, if saving just for 1 year. Starting in about 2012, homes in Austin have appreciated at a much greater rate, closer to 8% annually. This makes it harder to save for a down payment, like chasing a vanishing horizon. Also, there are no more $200,000 homes. The median value of a home in Austin is now about $400,000 if ... Read more

In July 2024, the Biden-Harris administration made a significant move to bolster the United States’ energy security by purchasing 4.65 million barrels of crude oil for the Strategic Petroleum Reserve (SPR). This acquisition is part of a broader effort to replenish the SPR, which had been significantly drawn down in response to the global energy crisis triggered by the Russian invasion of Ukraine in 2022. The U.S. Department of Energy (DOE) confirmed that this latest purchase brings the total amount of crude oil secured for the SPR to over 40 million barrels since the administration began its replenishment efforts. The DOE has been able to procure this oil at an average price of $77 per barrel, which is nearly $20 less per barrel than the average sales price during the emergency releases in 2022. This strategic purchasing not only ensures a good deal for American taxpayers but also maintains the operational readiness of the SPR. Energy Secretary Jennifer Granholm emphasized the administration’s commitment to safeguarding the nation’s energy security while securing favorable terms for taxpayers. She noted that the DOE has successfully accelerated the return of nearly 5.5 million barrels initially slated for later in the year, further maximizing the...

Which is the healthier and more delicious choice? Visual comparison.

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