Humbly Tags

let me begin by saying my husband had #3...major strokes all at once as a result he is still paraylezed
on his right side. and it affected his speech.
He has always had high bloodpresure and sometimes we could not afford his meds witch ultimately led to the strokes.
that being said i have been suffering hearing loss and dont have ear drums n in need of surgery...as well as dental...probs.
i cant work because i need to take care of him hence i have no income he recievs ssd n it barely covers our bills.
i was getting info on begging on the corner and found this site i pray theres help somewhere and im asking very humbly n sincerly from the bottom of my heart please can u help?? tysvm.

Hi. My Name is Robert. I am a 28 year old male who has recently moved to a new state in search of a better life. I have not had the best of luck with jobs. The job lined up for me fell through, and I began working temp jobs to make ends meet. I was staying with family and was out of work from Thanksgiving to New Years. I found a new job in mid January and then was asked to move out of my families house on February 1st. I am doing all that I can (working 70 hours a week) but unfortunately it isn't enough. I am late on rent and need $825 to cover March and April. I am also past due on car payments and approaching 60 days late. I am needing $550 for that. I have tried applying for loans and continue to be denied. I am also stuck in the payday loan cycle and am paying interest every two weeks to refinance. With just $3,000.00 total I will be able to get caught up and take the training courses I need for my job to increase my salary and be able to continue to pay bills in a timely manner.

I know there are others here who need help more than I, I just am at my wits end with phone calls and letters demanding payment. I have considered sleeping in my car just to make the payment. I do not have anyone in my family who can help and I am not an irresponsible kid living beyond my means. I am currently sleeping in an empty bedroom on an air mattress and going hungry 2-3 days a week just to pay what I can.

I humbly ask anyone out there who can help me please do. Once on my feet, I have every intention to give back to others. Anything helps. God Bless.

OF MONEY, RATS, MOSQUITO AND OCCASSIONALLY SNAKES....

I am a stay at home mom with 3 boys 9, 7 and 2. They are the only reason i am still going strong.

I live with my husband, 3 boys and my 2 elderly in laws. We live in a wooden and brick 50 year old house. Just a few months ago it was leaking in so many places untill the charity department replaced part of our roof. We have rats running around at night and mosquito all day and night. I am raising my children in this situation and it breaks my heart everyday. they are simply not safe!!!!

Disease is a huge concern... And occasionally snakes....

Anybody with a hammer can simply break the wooden walls. Easily...

And my husband has been laid off in 2008 without any given compensation. We are still claiming it in court. it was suppose to help us for the next few months or maybe start a small business of some sort. But on the last day of work they came and told us that they refuse to pay when they PROMISED to 2 months prior. We were utterly shocked and unprepared!!!!

We've always had a lot of money troubles but this still effect us to this very day.

My husband has been in and out of jobs since then....

Begging and borrowing, not paying our bills...

Our debt has grown to about $20,000usd.
We simply couldnt make ends meet for years...

We couldnt start anything new to make money...
There is none to spare.. no more to save..........

We couldnt move on... we couldnt do anything new... We are trapped.... stuck!

And i couldn't work.. I have to take care of my boys and my 2 elderly inlaws..

I have deppression. I have a memory of a sixty year old and i am only 36, and i am also a borderline agarophobic...

Its hard to get out of bed and do anything and i've been homebound for the last 10 years.. Most days i feel numb...

We are so miserable... My husband and i would fight a lot from money issues sorrounding our lives eventhough we love each other dearly...

A good amount to have a month is at least $800usd and we have never made that much.

Living expenses skyrocket day by day...

Everything seems so illusive..

What we need is to start a business of some sort to put together a better future..

Our children are growing up.. Today it takes about $70,000 usd per child to go to college.. I have 3...And it will surely be a lot more when they are going to college later..

I dont see how we are going to pull through if we dont find our way now....

And so i would like to request for another $20,000 usd plus the $20,000 to pay for our debt so that i can make it through all this and start a business to secure the future for my family....

Please please help us... You would help 7 souls... And you would make us very very happy for a long time to come...

Again i humbly ask for your help... Please help us by giving us a better chance for our future.... Please strongly consider my request... For the sake of our childrens future...


I desperately need your help...
Please help us....

Thank You Very Much.

I am a stay at home mom with 3 boys 9, 7 and 2. They are the only reason i am still going strong.

I live with my husband, 3 boys and my 2 elderly in laws. We live in a wooden and brick 50 year old house. Just a few months ago it was leaking in so many places untill the charity department replaced part of our roof. We have rats running around at night and mosquito all day and night. I am raising my children in this situation and it breaks my heart everyday. they are simply not safe!!!!

Disease is a huge concern... And occasionally snakes....

Anybody with a hammer can simply break the wooden walls. Easily...

And my husband has been laid off in 2008 without any given compensation. We are still claiming it in court. it was suppose to help us for the next few months or maybe start a small business of some sort. But on the last day of work they came and told us that they refuse to pay when they PROMISED to 2 months prior. We were utterly shocked and unprepared!!!!

We've always had a lot of money troubles but this still effect us to this very day.

My husband has been in and out of jobs since then....

Begging and borrowing, not paying our bills...

Our debt has grown to about $20,000usd.
We simply couldnt make ends meet for years...

We couldnt start anything new to make money...
There is none to spare.. no more to save..........

We couldnt move on... we couldnt do anything new... We are trapped.... stuck!

And i couldn't work.. I have to take care of my boys and my 2 elderly inlaws..

I have deppression. I have a memory of a sixty year old and i am only 36, and i am also a borderline agarophobic...

Its hard to get out of bed and do anything and i've been homebound for the last 10 years.. Most days i feel numb...

We are so miserable... My husband and i would fight a lot from money issues sorrounding our lives eventhough we love each other dearly...

A good amount to have a month is at least $800usd and we have never made that much.

Living expenses skyrocket day by day...

Everything seems so illusive..

What we need is to start a business of some sort to put together a better future..

Our children are growing up.. Today it takes about $70,000 usd per child to go to college.. I have 3...And it will surely be a lot more when they are going to college later..

I dont see how we are going to pull through if we dont find our way now....

And so i would like to request for another $20,000 usd plus the $20,000 to pay for our debt so that i can make it through all this and start a business to secure the future for my family....

Please please help us... You would help 7 souls... And you would make us very very happy for a long time to come...

Again i humbly ask for your help... Please help us by giving us a better chance for our future.... Please strongly consider my request... For the sake of our childrens future...


I desperately need your help...
Please help us....

Thank You Very Much.

We are a family of 3, me, my wife, and our 14 year old daughter. I am self-employed and run a publishing company, my wife is a pharmacy tech, and our daughter is a freshman in high school. My wife and I were arrested and incarcerated for contraband that was placed in our vehicle at the US border and we are currently fighting our case while maintaing our innocence. During this time we have suffered financial hardships trying to recover from lost income and paying legal fees. This month we are short on our rent by $600 and are humbly asking for any help we can get. Thank you and God bless.

I humbly request you to help me out from my current situation by lending some funds to me. As on date I am mentaly very upset and unable to concentrate on my family life.

Hope you will understand my current situation and lend a helping hand.

God Bless you & your family.

Thank you kind stranger for pausing here. I humbly ask you to spare a little change to help me on my way. A few odd pence on your bank balance, or in a drawer, may be a burden or inconvenience to you, but to me it would be delightful. I save up all coins of value less than 50 pence, last time I paid these in at the bank I had £32. I would dearly appreciate any help towards the next £32. Taking a chance, I am not sure if we get what we give, but do believe in karma. May you be blessed with the best of times and the best of people to share them with.

I am a 43 year old female. I have no children and I am not married. My story is not that of someone that most people would be sympathetic to, but I would like to be as honest as possible.

When I was 23, I graduated from medicine school, got involved with someone for 5 years then he left leaving me with nothing. I got my first loan and credit card which was my first mistake. I borrowed to pay for my mortgage and ended up having difficulty paying all my bills.

Over the years, I proceeded to act like an idiot – taking out new accounts and racking up the bills. I moved to Italy thinking a new start would be good, lived there for ten years but still could not earn enough to pay off my debts let alone live comfortably. Again, this is my fault, getting mixed up with people who took advantage of my generosity, I was left yet again with no money to support myself. My father passed away when I was 23 and my mother 10 years later, I am an only child. I have no idea what happened to all their property or money, so I’ve had to be independent and fend for myself.

I decided to return to England, but getting a job here was even more difficult than in Italy. No one wants to employ you if you are over 35yrs, I’ve been struggling for the last two years, sometimes going without eating for 5 days living on tea. I have sold just about everything I own. I was hoping to make a dent in the bills I had mounting, which had gotten out of hand. I was falling behind and couldn’t make all the payments. Selling off all the stuff I bought seemed like a good start, but the bills keep coming.

I am asking for some help with these bills and rent so I can get my head above water. I have not taken out any loans and cancelled all my cards, I’m in so much debt that I will be evicted from my flat if I don’t come up with the rent by Monday.

I would humbly accept any help that someone is willing to offer me. I really want to live debt free for the first time since I left my parents home. I made a promise to myself that enough was enough, no more borrowing and if I got enough money to get me out of my black hole, I would help someone else who needs help just like me.

I am a 43 year old female. I have no children and I am not married. My story is not that of someone that most people would be sympathetic to, but I would like to be as honest as possible.
When I was 23, I graduated from university, I studied medicine, got involved with someone for 5 years then he left leaving me with nothing. I got my first loan and credit card which was my first mistake. I borrowed to pay for my mortgage and ended up having difficulty paying all my bills.
Over the years, I proceeded to act like an idiot – taking out new accounts and racking up the bills. I moved to Italy thinking a new start would be good, lived there for ten years but still could not earn enough to pay off my debts let alone live comfortably. Again, this is my fault, getting mixed up with people who took advantage of my generosity, I was left yet again with no money to support myself. My father passed away when I was 23 and my mother 10 years later, I am an only child. I have no idea what happened to all their property or money, so I’ve had to be independent and fend for myself.
I decided to return to England, but getting a job here was even more difficult than in Italy. No one wants to employ you if you are over 35yrs, I’ve been struggling for the last two years, sometimes going without eating for 5 days living on tea. I have sold just about everything I own. I was hoping to make a dent in the bills I had mounting, which had gotten out of hand. I was falling behind and couldn’t make all the payments. Selling off all the stuff I bought seemed like a good start, but the bills keep coming.
I am asking for some help with these bills and rent so I can get my head above water. I have not taken out any loans and cancelled all my cards, I’m in so much debt that I will be evicted from my flat if I don’t come up with the rent by Monday.
I would humbly accept any help that someone is willing to offer me. I really want to live debt free for the first time since I left my parents home. I made a promise to myself that enough was enough, no more borrowing and if I got enough money to get me out of my black hole, I would help someone else who needs help just like me.

!!!!!!!!!!PLEASE READ MY POEM OF NEED:-)
I NEED MONEY DESPERATELY PRETTY PLEASE
BECAUSE IT MOST CERTAINLY DOES NOT GROW ON TREES
MY SITUATION IS IN EVERY WHICH WAY IS SO VERY BAD
I AM MOST FRUSTRATED, DEPRESSED, LONELY AND SAD
MY HEALTH HAS RECENTLY TAKEN A TURN FOR THE WORSE
I NEED TO SEE MANY A SPECIALIST, DOCTOR AND NURSE
I STRUGGLE AND STRUGGLE EACH AND EVERY DAY
WITH SO MANY MANY BILLS TO PAY, PAY AND PAY
THE ECONOMY HAS HIT HARD, I MAY LOSE MY HOUSE
THEN I'D BE HOMELESS LIKE A LOST COUNTRY MOUSE
MY FUTURE IS TOTALLY BLEAK INDEED
WITH SO LITTLE FUNDS FOR BILLS OR FEED
IT IS NOT EASY FOR ME TO MAKE THIS REQUEST
BUT YOU DEAR READER ARE MY ONLY HOPE AND GUEST
I HOPE YOU CAN DONATE TO HELP ME RIGHT NOW, I PRAY
SO I CAN THANK MY STARS FOR YOU EACH AND EVERY DAY
PLEASE DONATE AS GENEROUSLY AS THE GOOD LORD LEADS
THANK YOU SO MUCH FOR READING ABOUT MY MANY NEEDS
THANK YOU FOR HELPING ME WITH YOUR DONATION SEED
MAY YOUR DAY BE GLORIOUS WITH MANY A GOOD DEED
ONCE AGAIN HUMBLY THANK YOU FOR SHARING YOUR LOVE
AND MAY GOD BLESS YOU WITH ABUNDANCE FROM ABOVE:-)
my name: mangesh chaware
ac no:30359545647
bank name: sbi
ifsc code: SBIN0001407
branch name: salabatpura
please donate me

Greetings,
My Daughter who is five and has just started kindergarten, is having her IEP developed and includes issues with reading and writing. The school is also refering her for Occupational therapy for her eyesite. Starting at age 6mth she has had two surgerys for exotropia. I hope that by getting two tablets we can help her more at home with her education.

Humbly,
A Fellow Man

I recently had a holiday overseas which was great. Though there was one stain on the whole experience. This beg is to help someone I wronged while there, and to help myself with the guilt I feel.

Not everything went perfectly while on holiday but it was mostly Ok. While there I met a gorgeous young girl who was very kind to me, and helped me around a foreign country. Unfortunetely I feel as though I took advantage of her but I won't go into specifics. Nothing I did was illegal, or even perhaps socially unnaceptable. But to me it was morally corrupt and it could affect her for the rest of her life.

I am not rich, but I do donate to charity also. And I ask humbly for any help offered. Any donations will go towards finding the one I have wronged, and helping her in the future.

Am a 26 year old man. I lost my dad in 2001 and my mum who is petty trader has been catering for my education ever since my dad's demise. My mum borrowed an GHc 3,000 cedis to support my university education using a coconut platantion my dad left behind as a mortgage. The bank my my mum borrowed the money has written to us to pay the money before 13th April of this year or else they will sell the coconut plantation. My mum is now seek in the house and cannot therefore go about her petty trading business. I humbly plead with you good people to please come to my aid with anything little so i can pay the bank before they take over our property. Thank you for reading this message.

My mother Susan 64 and I 44 are disabled after working for our local hospital for her 22 years and I 13 years. We spent many years taking care of needy people and have now found ourselves on the needing end. We humbly ask for and would appreciate any all contributions to help us purchase a used vehicle to get us back and forth to Dr. appointments. We don't have family near to take us. I think $5,000 could purchase something decent. Thank you and God Bless. Melanie

I am suffering from diabetes, depression, giddiness, backache, tension headache, anxiety, high cholesterol and on daily medication. I have no money to see Doctor for a medical check-up and medicines as I need the medicines urgently due to my daily medication have finished. It is very dangerous to stop taking medicines for the chronic diseases. My age, 59 years old, unemployed due to poor health.

My only son is living with me and his age, 33 years old, unemployed due to poor health. He is suffering from asthma, high cholesterol and eczema and on daily medication. Every time he went out, he have to bring along his inhale. He wish to study the University of London (UOL) Diploma in law for full time course in April, 2012. He was told to pay his school fee $12,700 to ITC and UOL now in order for him to attend the said class at ITC next year April 2012. Appreciate if you can help him.

My wife was separated from me since 2009 living us in the lurch.

Both my parents has passed away.

All Relatives and All Friends see us automatically ignore and avoid us due to us no money.

Our main gate door was spoilt and need to change immediately without delay to prevent strangers enter my house, my kitchen windows was also faulty and need to change immediately without delay it was given warning by the authority due to the windows will fall any time and very dangerous to hit people passers-by causing injuries.

We need $3,800 and $12,700 total is $16,500 now to pay school fee, bills, daily living expenses and medical fees compulsory.

We are very worries, stress, anxiety and daily living in fear without daily income.

We pray that good people will help and save us between life and death to enable us to continue survive without living in fear. We seek your understanding.

In view of the premises, I humbly pray that my appeal will be considered favourably.

Looking forward to hear from you shortly.


Thank You.

Hello,

My name is Lee. I am wondering if anyone could possibly spare any money to help me pay off my student loan? I am humbly requesting any amount that can be donated. If you would like to donate, please send via paypal to lee_para2011@yahoo.com

Thank you very much.

My husband is DIABETIC and NEEDS dental/medical work. We can NOT afford it, and dental work is so important for heart health and diabetics. PLEASE CONTRIBUTE. It would cost him $2,000 for the Dental Work he needs, and please note that it is for dental, because I also asked for a COAT and BOOTS for him this WINTER. He DESPERATELY needs COAT and BOOTS. THANK YOU and BLESS YOU for your COMPASSION and giving. We will pray for you, and humbly accept your gift. Have you heard of Pay It Forward? It is when someone does something for three people that those people can't do for themselves at that time. When those three people get on their feet, they help three more people. And so on. We help whomever we can, when we can, and have a heart for the poor. THIS WOULD MEAN SO MUCH TO US to have your help, and we promise to accept the gift gratefully and "Pay it Forward."

I constrain to humbly to the respected devine hearted donars! i am
mr.dadi venkata appa rao suffering with blood cancer. unfortunately i
am an honest govt servant with no financial back ground in apepdc ltd
unable meet my further medical expenditure of 30 lakhs.ur contribution
of mercy donations will save my life nd i will be very much indebted
to all of u who come forward to show their charity.pl help me sir. My
online a.c.no of state bank of hyderabad at anakapalli is 62090534853.
My contact Number:+919866036184

Please Check My Medical Bills
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Hi there,

I am a high school student, graduating next year and a practicing photography. I own an outdated Sanyo digital camera which I sticked with until it broke down a few days ago. Since I come from a not-so-well-off family, I do not have the money to buy a replacement.

I know what I ask for is somewhat really unnecessary for the many of you out there, but those who are willing, I am humbly asking for some bucks to buy a $533 camera, which I hope isn't a lot for you folks out there (it is already an exorbitant amount, where I live). It's a Canon EOS 1100D (Rebel T3 in the US), a pretty basic DSLR with the most basic features.

It's my dream camera.

If you have a used camera though, you can also give it to me if you like.

Since I don't have a PayPal account (I don't want to get involved in online banking) please do contact me here or at my e-mail.

Your donation can mean a lot for me. You can help a starving guy find a job in the future. ;)

Any amount you can donate can be a big help. :)

Thank you very much.

XLed

I am an unemployed middle aged man. Several months ago, I found GOD and realized that my real calling in life was to serve Man and God as an Orthodox Priest.

I have been trying to get into a Seminary, but the costs of tuition and transportation are higher than my means.

Just recently, after having sold most of my possessions for the money to matriculate to a seminary, I have been diagnosed with Cancer in My Sinuses.

I have no insurance, and the cost of surgery and treatments will completely consume the funds I have been saving for attending Seminary, and much more.

It is with great humility, that I submit my story to you, and humbly request that you help me with any financial assistance that you can.

Although your donation will be anonymous, I shall give an earnest prayer of thanks to the Lord for each donation. Please help me in this hour of need.

God bless you all.

Please help me, I was diagnosed with endometriosis early this year and had my first surgery. The endo is now recurring and I simply cannot afford it. I am unemployed and do not have Health insurance.

Endometriosis is a conditon where a type of tissue that lines your uterus is also growing outside your uterus. This causes chronic pain and infertility.

I am humbly asking for your assistance so that I under go surgery for me to have a chance at having a family with my partner who has been very supportive the past year.

We ideally planned on having a family in two years time to give us time to prepare but due to my condition and the stage of my Endo we have had to make very tough decisions.

For those who have Endo and infertility problems will know how hard this is and how painful both physically and emotionaly.

I have no other means to get the surgery and have come to you for help. You can help in any way either by making people aware on face book, twitter, my space or any website. Any donation or contribution will most be greatful.

Thanking you for taking the time to read this. From the core of my heart thank you.

I am at my wit's end. I was laid off two years ago and have not been able to find a job for two years, from which at he same time i also was dealing with ending a failing and physically/mentally abusive marriage needless to say he does not even acknowledge the fact that he has children who are suffering financially, so with no help from my ex husband, i have no friends and family who is willing to financially help or support me in this terrible time in my life and i am a single mother with eight children who range in ages 16yrs- 3yrs I humbly beg whom ever can help me keep my utilites on; which i have recieved notices for interruption and discontinuance as soon as next week; Please help to feed and clothe my family, I have birthday's back to back, the holiday's approaching and i have nothing to give them, I feel alone and like such a failure, i can't seem to stop crying and even considering immoral options in order to make ends meet for my kid's, they didn't ask to be in such an unfair situation. I thank you in advance for opening your hearts to me and reading my story.

I never thought that our family would be in a financial crisis of this nature. My father, 82 years old, a Christian, Korean War Veteran, retired teacher and one of the most helpful people you would know, has Alzheimer's Disease. He has been bedridden for the past 5 years. My mother, also a retired teacher is doing everything she can to pay all the expenses associated with caring for my father. Over the past 5 years nursing care cost over $250,000 alone! We have used all our saving and sold assets. With all the health insurance my father has, day to day care for an Alzheimer's patient is not covered by medical insurance! A word to all that reads this "Get long-term health coverage"! We are $2000 a month short. Our faith keeps us hopefully that one day things will be much better . I humbly ask for this help because my mother is now starting to become ill from the worry. She is the posterchild for the marriage vow "TILL DEATH DO US PART". I've seen her unwavering faith, strength and hope. I love her and I so wish I could do more to help her financially. From the bottom of my heart, I thank you!

Firstly, I believe it is important to be honest to anyone who would like to help me. I do not pretend to be innocent or the victim of the world. The situations I have gotten myself into as of late, are all entirely my doing. I take full responsibility for everything. Unfortunately, I am beyond desperate financially and I am unable to help myself which due to this fact, I have come to my last resort online.

Growing up where I have, the only thing to do is to go out every night and drink until the sun comes up or get married and have children by the time you're 18. I chose the party/social life and it has finally hit me that I am failing myself and the potential I know I have to be something other than a washed up woman sitting at a bar doing the same thing I did when I was 21, only alone and probably creepy to the other 21 year olds. I have my ex-boyfriend to thank for this realization, I think. Due to my wake-up call, I have gone through the steps of growing up. I stopped hanging out with the people who didn't want to change and better themselves and I have filled out my FAFSA so I can get financial aid to go to the cosmotology school that I have always wanted to attend, Paul Mitchell Academy. Everything seemed to head in the right direction, until I decided I would go out one night for just a bit after not going out for almost a month. That 'bit,' cost me my first DUI. Attempting to still stay positive, I got new job outside of a bar and away from the area of my problems. The positive shortly turned to negative with the realization I would have to pay $1,000 for a 6wk class as well as pay off a $2,000 ticket, not including what would be my SR-22 insurance on top of living expenses and bills. Still, I stayed slightly positive, until now. My car's motor has blown and now, I am without a car and relying on the few people I do know for rides only to work. It makes me feel pathetic to have to ask others for help. I feel so helpless and worthless that I have gotten myself in such situations as these and it is entirely my fault due to my irresponsible actions. I do not ask my friends to take me to the grocery store or help me to run the errands I need because I do not like to put people out. So, I order take out and eat at the restaurant I work at almost everyday, it's getting rather old and I don't feel healthy. I can't ask either of parents for help as they are not able to give it, even though they would if they could. My mother lives off of disability and her car is breaking down as well. My father works, but I'm not really sure how he makes it on the little money he makes. I am in a bind, one that seems to get tighter and thicker by the day. My positive outlook and my hopes for a better life is slowly but surely diminishing by the day. I feel so awful for asking for help from strangers, but if weren't so absolutely desperate, I wouldn't. I want to make something of myself I want a better life, and it's time to move on, but I need a few helping hands to do so. If anyone out there is willing or able to help, I am asking so very humbly for it. I appreciate you listening to my story and for any of those who care to help someone in need. I want to thank all of you beautiful people who do selflessly help someone you don't know get back up on my feet and hopefully back on track.

As I was writing on my niece’s behalf, I felt to submit a request of my own.

In April, my unemployment benefits were exhausted. May and June of this year found me without enough cash flow to pay my storage fees. However, beginning in late August, I will be receiving retirement benefits, which will allow me to once again maintain a balance until such time I am generating sufficient income to have a place of my own and permanently remove my possessions out of storage.

While I remain diligent in my efforts to secure employment, I am still unemployed and my deadline for paying off the balance of my storage fees is August 18, 2011 in the amount of $822.18 (including late, lock cutting, lien and other fees), incurred during the months of May to August.

The space holds my family’s lifetime of irreplaceable documents and other valuable and very useful practical possessions, representing for me a legacy of work and living I’ve accumulated and experienced these 62 years, and intend to use for at least another 30 years. Many of the books, art work and other one-of-a kind collections I plan to leave for my sons and grandsons.

Vision with me that $30.00 from 28 people is sent to me at least once daily doing it for me. So, if you find it in your heart to give, and your fiscal resources oblige, know that any and all amounts of monetary donations are humbly received and greatly appreciated. Thank you for your consideration and effort.