Nokia 7900 Prism has been provided with dual band WCDMA 3G technologies in order to ensure fast browsing facility. Quad band GSM capacity of the handset makes global connectivity possible. The advanced camera of 2 megapixels is an added attraction. Apart from all these facilities, the handset can also boast of a brilliant memory capacity of 1 GB. This enables the storage of not only contacts but also video clips and pictures. Other facility provided by the multimedia gadget includes MIDP Java 2.1, Flash Lite 2.1, USB OTG, USB 2.0 etc. Additional Java APIs is another provision facilitated by the handset. Like almost all other cell phones of its kind, Nokia 7900 Prism is supported by bluetooth technology. Nokia 7900 Prism with its design-centric candy bars is indeed attractive. On close observation, the intricate network of horizontal lines on the surface is revealed. These set of lines which finally evolve as multiple triangles decide the unique beauty of the handset. This design extends to the very sides of the cell phone. Another striking feature of Nokia 7900 Prism keypad is that the buttons are shaped as triangles. This special shape demands familiarity with the keys for its easy use.The micro-USB port placed at the top of Nokia 7900 Prism charges it and also makes effective coordination with your personal computer possible. This placement also helps in providing neat and smart look to the gadget. The handset measures 112 x 45 x 11 mm and has a weight of 101 gm. The colour LCD of Nokia 7900 Prism of 240 x 320-pixel has a display size of two inches. Another feature of the handset is that the letters inscribed on its keypad disappears when not in use. If you are fascinated by its appearance, Nokia 7900 Prism is sure not to disappoint you with its performance. Nokia 7500 Prism Alice Erin is an Expert Author. He has written good quality articles on Mobile Phone Have a look at Mobile Phones with Tom Tom .
With the business world’s continued reliance on computers to sustain daily operations comes the increasing importance of maintaining the “health” of those processors in which companies place their most valued information. In some respects a business must treat their computers as they would their employees. It’s no secret that employees who believe their company treats them fairly generally perform better than those employees who have a negative image of their employer. While computers don’t have feelings or formulate opinions they certainly perform at a higher level when they are treated for potentially dangerous diseases. Too often a company is left to react when they have a computer problem rather than opt for preventative measures that could alleviate potentially catastrophic issues. We hear about it in the news all the time, a network system is hacked and valuable data is stolen, an email is opened and our hard drive is exposed to a virus. It’s only after the problem exists that we begin to question what we could have done differently. For businesses that ignore the needs of their network system and elect to wait for the problem before they do anything they are playing a daring game of roulette and their odds are not good. There is a reason why software companies offer products that keep your computer running smoothly. It’s because there is a point of no return for our computer, neglect over time can not always be corrected when the problem presents itself. This is why a business must always treat their system with software that will maintain the integrity of their computers. A common problem with a company’s computer system is speed. Most people overlook the issue and chalk the problem up to age and accept the inconvenience of slow boot-up time and delays in file recovery or loading applications. The truth is that while age may play a role in a company’s network speed it’s often because that network has experienced a high level of fragmentation on its hard drive. Businesses that modify files on a consistent basis, whether it’s deleting files, adding to existing files or even creating new files, become susceptible to a slow computer performance. The symptoms often lead to the diagnosis that the computer’s hard drive has experienced a high level of fragmentation. When a request is made to save a file a computer will store that information in a designated space located in a block. When one block becomes full our computer begins to save files in a new block. The issue of fragmentation can present itself when we open a saved file and add new information, when we try to save that file it can no longer fit into the space it once occupied in the block and the computer must cut the file and place the additions into a new space. The next time we try to retrieve that file it can take the computer a longer period of time to find the pieces of information that comprise that file. In most businesses the amount of changes made to computer’s files in a single day are countless. The question is not “Will the computer experience fragmentation” but rather “What can be done to prevent fragmentation.” This is where that preventative software comes in handy. The solution to slow computer performance and a fragmented hard drive is defragmentation software. By running defrag software your hard drive has the opportunity to unite each of the fragmented files and keep them together. Essentially what you’re doing is not only creating a cleaner system but a quicker system as well. Defrag software will work to create bigger blocks on your hard drive so that when you make modifications to your files it can be saved and stored in one space. These larger blocks provide room for files to be modified thus working to ensure the files won’t become fragmented when they are changed.
No doubt Apple s Iphone and various Ipods are on the top of most wish lists - both for adults and kids. The products are undoubtedly innovative, advanced, popular and expensive. Undoubtedly, like any new technology (think cell phones and DVDs), the price of these sought after Apple products will eventually come down, but that could take years. Many consumers would like to try and enjoy the Iphone and Ipod features and technology without waiting for Apple to lower prices and without being forced to use Iphone s expensive AT&T provider plan, or being forced to pay $1 a song downloading from Itunes. Enter Chinese Ipod and Iphone knock offs. China has progressed from making the US cheap, throw away goods to today creating viable alternatives to the US most coveted technological brands. If you ve not yet seen the Ipod / Iphone knockoffs and assume that they are cheap and chintzy, you might be in for a surprise. If you have a look at the videos floating around on Utube, you ll see that these Chinese knockoffs give the real products a run for the money for not only ¼ the cost of buying the product, but the I clones allow you to use your own cell phone and music download carriers - saving you tons of money on both the initial purchase and the monthly charges. Chinese Iphone / The “I clone”: The most popular of the clones - the CECT P168 - in fact looks so much like the Iphone you literally have to squint and turn your head sideways to see a true difference. It even has the same wallpaper. The Clone has all of the features we love in the iPhone - the flat, touch screen, Bluetooth, the ability to browse the net, watch movies and video, and listen to music, but the P168 also boasts things the Iphone doesn t have. It allows you to use whatever cell participating phone carrier you wish (most all U.S. carriers) and it features two Sim slots - so you no longer need to carry two phones (one for business - one for surfing) on you. The Clone also has more speakers than the Iphone - 6 and it has a removable battery, which is the major shortcoming of the Iphone. On a good day, The CECT P168 can be had for around $100-$130 - brand new with warranty, on eBay. Chinese Touch screen Ipod: The Digital Touch DT-1: You ll find many of these Iphone inspired MP3 players on eBay, most running around $90. The DT-1 is a Portable Media Player that looks suspiciously like the Iphone - with a large multi-touch screen and touch icons. The gadget has 1GB ram (expandable to 4), and allows you surf and enjoy your music, videos, photos and favorite radio stations. You re not limited to Itunes but can get your media wherever you like. The bottom line is these very convincing knock offs just might be a very cheap way to try technology while waiting for the real versions to come down in price. These are also great alternatives for kids desperate for Ifeatures who have parents who aren t willing to shell out high prices on items a kid might well lose. Visit The IClone CECT P168 Product Review Website to see video demonstrations, close up photos, unique features and buyer information about the IClone CECT P168 or visit http://www.usfreeads.com/995170-cls.html Rae Edwards is a technology writer.
When it comes to getting a loan for your mortgage and using a mortgage calculator, you should definitely know the differences in a home equity loan and a home loan. First, a home loan is basically your first loan when purchasing a home. This could mean first time buyers or seasoned buyers that are just looking for a different home. A home equity loan is a type of loan that uses the equity within your home to determine how much you can receive. This type of loan is typically referred to as a second mortgage; additionally with this type of loan, the interest rates are higher than that of a home loan. When you are wanting to obtain a home equity loan you should use a mortgage calculator specific for home equity to determine what the different areas of using your equity in relation to the payment is required. These calculators typically help you to determine if this action is the best for you or not. One thing that a mortgage calculator can really help you with is determining if refinancing the home entirely is a better alternative for you. It can help you with a variety of options when it comes to refinancing, and this is especially true if you have a great deal of equity within your home. If you input these figures into the mortgage calculator, you will be able to itemize and compare which of the options or alternatives is best suited for you. Typically obtaining a home equity loan is appealing to an owner, for the simple reason that the mortgage lending company or person makes it appealing and wants your property. Prior to agreeing or signing any paper you will want to figure out all details he or she is offering you and consult with your mortgage calculator, you will want to make sure that your calculations match the ones he presented you. One thing that is truly imperative is that you fully understand all obligations required of you when you are obtaining a home equity loan, there is nothing worse than having your home become threatened with foreclosure because there was something you did not understand. You should consider all of your options to make informed and calculated decisions, as refinancing your home or obtaining home equity loans is a big decision for anyone to make. Do not go into lightly and only sign agreements or contracts that you completely and fully understand. Jeff Lakie is a contributing author at our website where You can get a free Secured Loans Quote right now. Take a moment and see for yourself.
Unlocking equity that has built up in a property can be achieved through a number of means including remortgages. Remortgages are carried out by home owners who want to release the equity in their home and apply for a new mortgage at the same time. They can either be carried out with the same lender that the borrower has their existing loan with, or with a different lender altogether. All remortgages that release equity will result in the balance of the new mortgage being higher than the balance of the old loan. The old loan balance is paid off with the funds from the remortgage product and the excess is given to the borrower and will represent the amount of equity that has been released. While remortgages are extremely popular in the UK, there is an alternative method of equity release that will not require the home owner applying for a new mortgage and redeeming their existing one. Second mortgages are a popular and effective alternative. Second mortgages are also known as secured loans and are essentially loans that are secured against the equity in the borrower’s home. Instead of applying for a brand new mortgage, the borrower will keep their existing product and secure a second mortgage against the releasable equity in their property. Secured loans must be issued by a different lender to the lender that issued the existing mortgage. Both remortgages and second mortgages have advantages and disadvantages. Because second mortgages are similar to personal loans in that they are issued for a short term, they may be the most sensible option when the finance is required for a short period of time. However, remortgages can involve paying large application and brokerage fees. The longer the time period you stay with the mortgage the more value you will receive out of paying for those fees. Secured loans usually incur smaller fees than remortgages. There is no need, therefore, to keep the second mortgage active for a long period of time to gain some pay-back from any fees that may be incurred in securing the loan. Some second mortgages also offer facilities such as a cheque book and ATM card for draw downs, and a deposit book for making repayments. Not all secured loans offer such options so it is advisable to shop around if you require them. Also keep in mind that extra fees may be incurred so ensure that you actually require the extra facilities before signing on the dotted line. If you require any advice on remortgages, contact an independent adviser for help. Visit UK Mortgage Source for up-to-date information on Remortgages
The American people have been walking to the edge of an economic cliff for years now and the moment of truth has arrived. Investors and creative financing options are the two key components in creating what many economists consider to be the largest housing bubble in history. For those of you at risk in these uncertain times I have some suggestions that may make the difference between survival and financial ruin. First, look at what investors are doing. They are selling their properties and either taking their profits or cutting their losses. If you are currently in a positive position with your property you may want to consider following their lead. Secondly, if you are one of the millions of people currently in an adjustable rate mortgage loan (ARM) you must realize that you are facing increased payments of up to 100% or more in the not-to-distant future. If your loan officer did not plan an exit strategy for you I recommend utilizing some of the tools I offer on my website at www.yourcreditcures.com. Presently the housing markets are not crashing (they are deflating rapidly) but a real threat is looming and a crash may occur. Having your credit in order will be a key to weathering this storm should it persist. Most people currently utilizing the risky ARM loans have bad credit. If you are one of these people you must take action now. Home prices are not appreciating which is essential for these ARM or interest only type loans to make sense. In order to qualify for a fixed loan at a low interest rate you need good credit. There are many simple steps you must take in order to achieve a high FICO score. Here are a few suggestions: 1.) Obtain a current copy of your credit report and subscribe to a credit monitoring service. (You can get a free credit report at my website.) 2.) Settle any outstanding debts and negotiate for their removal from your credit report. 3.) Start a campaign to dispute and remove derogatory items from your credit report. 4.) Request removal of inquiries from your credit files. 5.) Pay down your credit card balances or consolidate your debt. 6.) Request ‘goodwill’ removal of late payments directly from creditors. 7.) Verify and/or investigate the collection item and the agency collecting from you. By following some or all of the tips above you could realize a huge increase in your credit score. Over the years I have compiled proven, simple and effective letters that are specific to the methods outlined above. Disputes to the bureaus are not enough. I have created the fastest, easiest and most effective credit restoration system on the market today. It only takes between thirty minutes to an hour from start to finish and will have your mailbox brimming with delightful responses from the creditors and credit bureaus alike. If you are serious about having perfect credit and minimizing your personal and financial risk I urge you to do something about it. Tad MacPherson is a credit specialist and writer dedicated to helping consumers overcome credit challenges and create security in their lives. For valuable tools visit his website at http://www.yourcreditcures.com
Are you considering to purchase a manufactured home but plunge to the trap of questioning the manufactured home value? Now, you do not have to be concerned to any further extent of determining the manufactured home value since listed below are the essential points that will direct you on purchasing a fine manufactured home and will also inform you about the manufactured home value. It is crucial to note that this information is among the numerous useful considerations for determining the manufactured home value. For your information, manufactured homes are previously called mobile homes. These types of homes are built on an unremovable steel framework and are transported to the building site on their own wheels. Noticeably, some of the manufactured homes appear like the houses you see in a traditional neighborhood and since many of the manufactured homes are selling these days, most of the people would like to know about the manufactured home value in particular. For that matter, to ascertain the manufactured home value, it is essential to take into account in the first place the state of the manufactured home. In this matter, it is crucial to question to determine the manufactured home value if the manufactured home is well constructed and has an investment potential. This is for the fact, that as many of the people sought to ascertain their manufactured home value, many of them depend mainly on the escalating cost of real estate to increase the home equity, which is the part of the manufactured home value that most of the people get back to purchase another home when the manufactured home owner decided to sell the house. Want to find out more about manufactured homes? click manufactured home now or go to HomeImprovementNewbie.com The author of this article is Shin who is the webmaster of the site http://www.homeimprovementnewbie.com/ where he provides info on home improvement.
Need a Mortgage, Refinance or Equity Loan? Learn What it Takes, Before Applying Do you know what it takes to qualify for mortgage and refinance loans? There are several factors involved with qualifying for a purchase, refinance or equity line of credit, and having an in-depth understanding of these could make the difference in you being accepted or turned down by a bank loan officer. Here are some things loan underwriters use in seeing if you qualify for a loan: your credit rating; your income; the amount you wish to borrow vs. the value of the property, this is known as loan to value or LTV; your assets; cash on reserve to cover down payments and reserve funds to cover a few months worth of mortgage payments, in the event you can t pay for an indefinite period of time; your employment history. Most people worry about credit, even people who have excellent credit. Credit is such an unknown. Put your mind at ease. You can purchase a house with poor or no credit at all. In fact, with a poor credit rating and only 3 percent for a down payment, you can get an FHA loan. FHA is not a credit score driven program, so you can qualify this way if you have to do so. If you have excellent credit, the lending world is wide open to you. You can put very little — even no money down — and still get a great interest rate. Excellent credit also gives you the power to take 100 percent of your homes equity at the prime interest rate, making interest-only payments, which is a very powerful thing. Work history is also an important factor, as most lenders want to see two years of consecutive employment, although good mortgage professionals have programs that will get around this guideline. If you are purchasing a house, you ll need what lenders call “seasoned funds” for your down payment. That is, they have to be in your account for a set amount of time (usually 3-6 months). When you are ready to get a loan, be sure you have assessed all of these factors, even before you mortgage professional does. Put all of the documents that verify your income and your assets together and have them ready to show to a banker, upon your visit. Be proactive and your chances of qualifying for any loan will improve. Check out more great loan information now at Direct Lending Solutions
Now that you have made your selection of which vehicle you want to own, you get to meet the Finance Manager. At times, their office is referred to as the box, dungeon, ect. I like to call it the business office. Their role in the Dealership has changed dramatically over the last 10 to 20 years and is continually changing as we read this. Do you know what the number one responsibility of the Finance Manager is? Deliver the car. A good Finance Manager will give you options. Remember, they are YOUR options. You do not have to buy anything you do not see value in. I would like to show you a car buying financing tip in your next purchase. Here is the example: The financed amount of the vehicle is $34696.30, the APR is 6.75%, and the term of the loan is 60 months. This means that over a 60 month term, assuming that you did not prepay or have any late charges on the loan, you would finance $34696.30. The total Finance Charge would be $6393.50 which makes the total of your payments $41089.80 and a monthly payment of $684.83. Do not be confused on APR. You do not take the amount financed and multiply by the interest rate to come up with your total finance charge. On a Simple Interest Loan a portion of your payment goes to the principle and a portion to the interest. Here is a great way to save money in Finance Charges. If you made your payments on a bi-weekly basis your original car payment of $684.84 would be $342.42 every two weeks. Yes, that means some months you would make 1 and a half payments. You would pay the vehicle off 4 months early and build Accelerated Equity of $3071.33. This would give you an effective interest rate of 6.311% instead of the original interest rate of 6.75%. Here is where it can get very interesting. If you over paid your payment by $15 every two weeks you would build accelerated equity of $4947.42 and have an effective interest rate of 6.027% instead of 6.75%. The advantage is you would also have the vehicle paid off 7 months early. Many of you might ask me, “Why would I want to pay more on my vehicle than the normal monthly payment?” Here are two good reasons. First, you will save money. Second, you will build equity faster in the vehicle you are driving. I know you plan on keeping your vehicle until the wheels fall off. My wife and I have said that at least once every 2 to 3 years. By paying more on my car each month puts me in a better position if I have to trade it in. Unfortunately cars do not go up in value when you drive them off the lot. As we drive our car they accumulate miles and minor wear and tear. You know what I mean, those little dings that appear out of nowhere when you go shopping. If you choose to do a bi-weekly program, ask your lender if you can send a principle payment to the same address. In some cases, if you over payed your payment by any amount it would be applied to you next payment and just lower your next payment. To truly effect the APR you need to make sure that it gets applied to the Principle Amount. Rand Montgomery has spent the last 10 years working in the Automotive Industry. He has worked his way up from sales, sales manager, to Finance Director. He has also worked with one of the largest Automotive Consulting Company s in the U.S. Rand has written a electrifying Minicourse on Discovering The Little Know Secrets Of Buying A Car That The Salesman And The Car Industry Don t Want You To Know! To get you free copy, visit the link below: Car Buying Tips
What Is A Second Mortgage? A second mortgage is a loan that is secured by the equity in your home. When you obtain a second mortgage loan the lender will place a lien on your house. This lien will be recorded in 2nd position after your primary or 1st mortgage lender s lien, hence the term second mortgage. A second mortgage is also sometimes referred to as a home equity loan. There is no difference between a home equity loan and a second mortgage. These are just two different terms for the same subject. A second mortgage can either be a fixed-rate loan or an adjustable-rate credit line. Interest rates and loan program terms will vary from lender to lender so it is important to shop around and compare before committing to any one offer. Loan proceeds from a second mortgage loan can be used for just about anything. Many consumers take out 2nd mortgage loans to consolidate debt, do home improvements or pay for their kids college education. Whatever you decide to do with your loan proceeds it is important to remember that if you default on your payment you can lose your home so you will want to make sure that you are taking the loan out for a worthwhile purpose. Another plus of a second mortgage loan is that the interest you pay back on the loan may be tax deductible. Consult your tax advisor regarding your personal situation but in most cases the interest is 100% fully deductible as long as the combined loan to value of your 1st and 2nd mortgage do not exceed the value of your home. For more information on second mortgage loans, or to compare rates and programs of second mortgage loan lenders visit http://www.equityloansource.com Levetta Rivera is a successful mortgage broker and publisher of the following financial websites: http://www.equityloansource.com and http://www.militaryvaloan.com
Fancy Multi Colour CZ Silver Jewellery Ring Cubic Zirconia stone jewellery or the American diamond jewellery has always been famous, especially for the silver rings. But only few are aware that Zirconia can also cast its spell in bold cubic look. The Fancy Multi Colour CZ Silver Ring will do exactly that, it will mesmerise you with its bold and sparkling beauty. Studded in flat silver ring, six huge Zirconia stones make a fashion statement. The silver ring can compliment both winter and summer attires. Where its huge size and shape can compliment your heavy jackets and furs during winters, its colour can go well with your summer attires. The Zirconia stones will also go well with simple white colour dress or may be a white dress with very little shades of colours. The colours can also bring out the shades of the blue and hazel eyes. The silver ring is rhodium plated to prevent it from tarnishing. And as we are talking about the stones you must be wondering about the size of the stones. The Zirconia stones measures 8millimeter x 12millimeter. And if you are impressed with the ring alone let us inform you that you can also get the matching silver pendant and the silver earrings with it as well at silverattitude the uk silver jewellery shop of uk. Following are the qualities of the Fancy Multi Colour CZ Silver Ring: 1. It is set with high quality cubic Zirconia stones 2. It is beautiful piece of silver jewellery studded with American diamonds 3. A presentation box included 4. The silver is rhodium plated to prevent tarnishing 5. The stones measure: 8mm x 12mm Sophia Thompson is webmaster and content writer of Silver Jewellery shop of uk selling silver jewellery online for cheap prices in uk silver jewellery market.
Want a single supplement nutritional recommendation that will improve your health on many levels? Look no further than Conjugated Linoleic Acid or CLA. So many nutritional supplements claim to be nutritional wonders but in actuality, they are not. Conjugated Linoleic Acid (CLA) however, lives up to its promise. CLA is recommended as nutritional supplementation because it has been shown to improve lean muscle mass, enhance the immune system, support balanced blood sugar levels, and reduce body fat, specifically abdominal fat. Other uses include improving blood lipids, reducing blood pressure, and it may play a role in cancer prevention. America is known for its stars and stripes, the Statue of Liberty and… its obesity problem. Obesity problem? Are we an overweight nation? Yes, there are more overweight people in the United States than in any other nation. Now, we all know that our love affair with fast food does not make us any thinner, but what are the scientific reasons behind why our nation is so overweight? Some scientists believe that in our quest to lose weight, we are not eating enough fat, or at least not the right kind of fat. Red meat, lamb, and dairy products all contain CLA, which is a fat lacking in most American diets. People who are struggling with obesity have to add more CLA to their diets; otherwise, they may be trapped with an inability to lose weight despite their best intentions to diet. In addition to America s preoccupation with dieting, our abundance of processed foods also leads to our nationwide lack of CLA. The processing techniques manufacturers use strips the CLA right out of the foods we eat. Without CLA, many aspects of our metabolism fail to operate efficiently, as Mark Stengler explains in Natural Physician s Healing Therapies. “It (CLA) helps glucose get into muscle cells more effectively, thus preventing glucose from being converted into fat. It also helps fats enter the cell membranes of muscle and connective tissue, where the fat is burned for fuel.” Experts in wellness and nutrition have focused on the nutritional recommendation of CLA s because of its ability to build lean muscle mass, boost resting metabolic rate and reduce body fat. Why do we need CLA so badly? Many human beings are not able to convert enough linoleic acid into CLA. If we do not have enough CLA in our bodies, all our dietary fat will be stored as the physical fat that you see on your problem areas, rather than converted into muscle. Those health conscious individuals that who decide to try CLA should take approximately 3 grams/day. This is the dosage most successful in experiments. The nutritional recommendation of most experts in the natural health care world also includes looking for supplements that contain Tonalin or Clarinol CLA. Nutritional health aided by conjugated linoleic acid
The people of the United States have been led on a path that has proved to be not only destructive but dangerous. It is dangerous to the citizens of the United States and to the world. The war has gotten totally out of hand and so have the threats and demands of the White House. The other countries of the world do not need the U.S. to meddle in their affairs, involve them in conflicts and wars, and cause chaos, distrust, and fear to be a daily mainstay as the White House is trying to do in the U.S. The missile defense system was lauded as saving lives, yet the truth is that lives will be lost, peace will be demolished and no concrete good will come from this except that the Bush admninistration will move forward in their demand of world power and dominence. Money is the only real bribe that the U.S. has to offer, because it cannot offer truth, integrity, and honesty. Money can buy “people” in power or put people in power but it cannot bring back lives of those lost in political wars, and it cannot bring back stability and peace to nations that the U.S. decided to restructure and to make regime changes. The American people have been made so many promises and each has been broken so that morale is at an all time low and truth and the American dream are just that - a dream - but it is time to wake up and dreams do not have to come true. If the people decide to reclaim the promise of a government by the people, for the people, and of the people, then not ony will America find peace but so will the world. If money has caused devastation then sad to say, it will be money that will cause the final devastation - a country that was looked up to and stood proudly but has been brought to a point where the other world countries, mostly out of fear, are made to feel “not acceptable” as has been stated so many times by Washington. Not acceptable is what is happening on American soil and the sickness of war and death is spreading around the globe. Once freedom and friendship pervailed and now fear and terrorism rules. The fact is that terrorism is not even always factual, because many times it has been proven that it was perpetrated and made-up - but made-up is child s play - this is for real, it is dangerous, and it is deadly. The media has been ordered to boast of the strength of the U.S. and never to show the true total of the lives lost and those killed for “political” wars and for “oil consumption.” The American people and the world population must take a stand - they must realize that world domination is not what the heavens intended and each country, including the U.S. can and should live in truth, justice, and decency. When this is no longer the mode, then what is? Truly, the future of the world does hinge on the deeds of today - sad to say - the outlook is not a rainbow but a thunderstorm - and the raindrops cannot be the lives of the people. When wrong is wrong, it must be called just that - wrong. If it is white-washed and decorated, then so will be the stones marking graves and the crosses showing the places of final rest. It can be changed but most importantly, it must be changed. Civilization has advanced but with each war, governments gone wrong, and other calamities, civilization has taken steps backwards. The only ones who are hurt are the people and the only ones who can change things are the people. Something to thing about. Arleen M. Kaptur has written many books and articles on everyday living and finding peace and joy in all we do. ©Arleen M. Kaptur July, 2007
Despite what most people believe about Hurricanes, generally speaking it is not the high-winds that kill people, but rather the flooding. Flooding from Hurricanes kills people by drowning in two ways - one, from storm surges and two, from heavy intense rains which deliver over 10 or more inches of water in a very short time period. This is what happens time and time again and more people have drown from Hurricanes then have ever been killed by flying wind debris. The Pacific Hurricane Henriette made land fall in Mexico in Baja California the same day as Atlantic Hurricane Felix made land fall in the remote swampy region at the border of Nicaragua and Honduras, this rarely happens when two Hurricanes make landfall on the same day, the last known time this happened was in 1949. Nevertheless, this is causing huge flooding in Nicaragua, Honduras and Mexico. Meanwhile these storms are still progressing and many will die from landslides and flooding. Weather officials predict as much as 25 inches to fall from what was Category V Hurricane Felix and that amount of water is ominous. The rivers and landscape cannot handle that much, many will die. Hurricane Henriette remnants are headed for Arizona, which will bring clouds and rain. Arizona has just come off a 20-day record 115 degrees in a row. This will help them cool off, but will most likely cause massive flooding there too. All this energy will also change weather patterns in California, Nevada, New Mexico, bringing much needed rain, but all at once. It takes a considerable amount of time and area to dissipate the energy from two Hurricanes whose remnants have merged. So, if folks think the whacky summer weather has been a little more than they can handle, well stay tuned, you have not seen anything yet. Sincerely, Lance. L. Winslow is an Economic Advisor to the Online Think Tank, a Futurist and retired entrepreneur http://www.worldthinktank.net . Currently he is planning a bicycle ride across the US to raise money for charity and is sponsored by http://www.Calling-Plans.com and all the proceeds will go to various charities who sign up.
If you own a business, or run a corporation then you know that there are terrorists in the midst and extortionists hiding behind them. Unfortunately, the brazen attacks are coming from within, coming from the vary Americans who have been blessed to live in this great nation, with all its abundance stemming from the economies of scale generated by capitalism. But capitalism is not evil, it is just the opposite, still there are folks who think that all businesses are evil. It simply is not so. Nevertheless Americans that are as much American as you or I have indeed, caused the government regulatory bodies to attack free-enterprise, market winners and capitalism itself at ever turn. In fact, the problem is so bad that people have written entire books on the subject. One book I recommend reading is: “The Radical Attack on Business - A Critical Analysis” by Charles Perrow - 1972. Now this is not the only book I would recommend, I also recommend reading Ayn Rand, Smoot and DiLorenzo, but I believe that Perrow s book is simple, straight forward, reality based and to the point without any of the philosophy fluff. Why should you read this book? Well if you are a voter and wonder why things are the way they are and why capitalism and free markets are not really working in America, you will learn it is not because they do not work, rather it is because they are not given a fair shake or fighting chance. In fact, capitalism has delivered to us the greatest nation ever created in the history of humankind, in spite of all the attacks on business owners, corporations and capitalism. Think on this and do a little investigating your self. My name is Lance Winslow and I am a semi-retired entrepreneur, retired Franchisor and now I am a consultant brain-4-hire, internet writer and author. I got bored in retirement so I founded the Online Think Tank - http://www.worldthinktank.net If you would like to send me an email just to say hi, discuss an article, send me hate mail or need some advice you can find me at; http://www.carwashguys.com/history/founder.html Have a great day and thanks for reading - tell me about you?
David Broder, who writes for the Washington Post, recently had a column about Social Security. If you can find it, it s worth a look–not for what it says, but for what it fails to say. As Broder gets older, he loses more and more of his marbles. “A Hearing the Candidates Should Attend” by David Broder is filled with everything anyone ever wanted to know, except the basic question - why. Why is the Social Security program in trouble? In the following statement Broder fails to provide a clear picture of the problem “unless ways are found to reform the financing and benefits of Social Security and Medicare, the demands imposed by the retirement of millions of baby boomers will consume the federal budget and blight the prospects of the next generations.” We didn t just wake up one fine morning and say “Oops… there is no more money in the kitty” that s not how government works, so what went wrong, why is Social Security in trouble? The answer is Social Security isn t in trouble, Medicare is - and lumping Social Security and Medicare together is wrong, they are two separate programs. Social Security benefits are paid through payroll taxes. Employers and Employees each pay 6.2% of wages, up to a maximum (2008 will be $108,000), while self employed individuals pay 12.4%. In 2006, 84% of Social Security benefits came from payroll taxes, with 14% coming from interest earnings, and 2% from taxes on Social Security benefits. The 2007 OASDI Trustees Report states ” Social Security s combined trust funds are projected to allow full payment of scheduled benefits until they become exhausted in 2041″ The report continues “… financial adequacy of the program for the next 75 years could be restored if increases were made equivalent to increasing the Social Security payroll tax immediately and permanently from its current level of 12.4 percent (for employees and employers combined) to 14.35 percent.” In other words, the Social Security deficit over a 75-year period is no more than 1.95 percent of taxable payroll wages, not exactly a financial crisis. Medicare presents a different problem. In 2008 the first baby boomer becomes eligible for early Social Security benefits at age 62, she recently applied for benefits online, but her benefits do not actually begin until January of 2008. Three years later, at age 65, this person will become eligible for Medicare and over the next two decades 78 million more Americans will become eligible for Social Security and subsequent Medicare benefits. The problems facing Medicare are as follows: Americans are living longer so they require health care over a longer period of time. Medical costs are rising at more than twice the rate of inflation. And the major problem - the 2003 prescription drug plan put forth by the Bush Administration During a CBS 60 Minutes interview, David M Walker, Comptroller General of the United States made the following statement about the 2003 Medicare prescription drug plan ” The prescription drug bill was probably the most fiscally irresponsible piece of legislation since the 1960s,” David Walker, as chief accountability officer of the U.S. Government Accountability Office (GAO) and former Public Trustee for Social Security and Medicare from 1990 to 1995, is definitely someone in the know when it comes to the status of Social Security and Medicare. His following comment says all there is to say about the subject: “With one stroke of the pen, Walker says , the federal government increased existing Medicare obligations nearly 40 percent over the next 75 years.” This administration did not err in providing prescription drug coverage to senior citizens and the disabled; their error was in not negotiating lower prescription and medical costs prior to implementing the program. The “plot” and that s the only way to describe it is to bamboozle people into believing there is a real problem with Social Security that requires reducing benefits to solve it. But, even more, the “plotters” want to get this done BEFORE the time comes when the Social Security pay-out is more than the pay-in. Why is this so important to the “plotters?” Three reasons: First, all the money borrowed from Social Security–and spent by the government would have to be repaid Second, there would no longer be a Social Security surplus each year that the government could borrow and spend. Third, and finally, Social Security would have to be paid for, partially, out of the general revenue fund which would require an increase in taxes. Guess who the “plotters” are in this scheme of things? Richard Walrath and Patricia Johnson are writers and co-owners of the Articles and Answers News and Information sites. http://www.articlesandanswers.com
Well, American Citizens you have figured out where our power is in a Democracy. As the rest of the world looks on to see true democracy we the, American Citizens, have given the world a glimpse of what true democracy looks like. I am so proud to be a part of this moment in our nation’s history. As you know, the nation of Iraq is watching the United States to see what democracy looks like so they can decide if democracy is something they want for their nation. On Election Day, I prepared myself to vote a straight democratic ticket. You see, I had my mind made up to vote for anybody new on the ticket. I decided if I wanted something new from my representative, I had to pick new representatives. I kept hearing the Word of the Lord Jesus Christ say, “You cannot put new wine into old bottles or else they will burst.” (Luke 5 verse 37) If we want something new from our public servants, we will need to vote new public servants into office. So with that in mind, I began my mission to the polling place. When I arrived there, there was not a line. I entered the voting facility and into the vote booth I went. It took me all of five minutes to finish voting for new representatives after reading the propositions. I placed my ballot in a box and then gave my name to person who looked it up in another book and saw my name there. I was done. My feelings at the time were positive and cheerful. I rented a movie and returned home to watch the voting results on television. Now what were the American Citizens thinking who voted for Republicans? Well I can only guess they were praying for a miracle. As I listened to the people calling in on C-SPAN explaining why they voted Republican all I heard was: “We must keep our party strong.” It seems their party is more important than our nation. Well, isn’t that just like when the chief priest and the elders shouted “give us Barabbas and crucify Jesus.” (John 18 verse 40) The reason the chief priest and the elders chose Barabbas was because the Lord Jesus Christ spoke truth to the people where the religious leaders manipulated the people with lies; knowing this the elders feared they would lose the people; therefore they had to have the Lord Jesus Christ killed to keep the people coming to them for spiritual guidance. The Republican Party wants the same thing from the American people. Did not the Republicans own the White House, the House of Representatives and the Senate? With all that power what was our nation pay off? Let me start off with the attack on America on 9/11; the Iraqi war; high prescription drugs for our elderly; they failed to raise the minimum wage; displaced American citizens by our government because of Katrina; and we have immigration problems that were not fixed by the Republican regimes. I figured these American Citizens must be religious and full of pride. Is it that they could not see that total power corrupted their party? Now do not get me wrong, absolute power corrupted the Democratic Party too; that is how the Republicans got absolute power in the first place. Sounds like the Republicans would rather have the same party in total charge of America than have the right public servants doing the right things for our nation to be strong and powerful again. I guess doing wrong is better than doing right according to the republicans. We have the American media who appears to be trying to figure this out or they believe that they are intelligent enough to prophesy to the American Citizens the reasons why the Republicans were voted out of office. Might I just state to the media, the reason is because the Republicans failed to do the biding of the American Citizens. They did the bidding of Corporate America. When will the media understand that their job is to report the news as it happens with research to back up their reporting? I have watched all the news media and listened to all the radio talk shows, and read the news papers concerning this election and all appears to write from their culture perspective. When I see only the European doing all of the talking and writing of the election, I know the story is going to be told in many different ways, but with the same perspective. I am automatically turned off. So I speak to Hispanic, Asians, Indian, Arab, African, and Jewish Americans to get a full understanding of what is the truth concerning the reported story by the media. They all tell me the same thing “Unemployment and low wages.” So I say to the media please get it right. When people are educated and unemployed they have more time to watch CSPAN who is the eyes and ears of our nation. The everyday people are educating themselves by watching CSPAN. The newspapers, television and radio talk shows are not for the working Americans they are for corporate America and their political party. So if you really want to know why the Republicans were voted out of office it is because the American Citizens educated themselves concerning the representative for the last two years. I write my representative often during the year. Some write back and some are too busy to write back. The ones who were too busy to write back and help me, I did not vote for them. American Citizens you now understand how our democracy really works right? Voting for the right representative at the state and local level is very important. The presidential election is when our state and local representative place their vote for the President okay. Remember Al Gore won the popular vote and President Bush won the electoral vote. Then the Supreme Court joined in with the electoral and Bush became our President. We the people are only powerful at the state and local level and that is why it is so important to elect public servants who will remember that we the people elected them to take care of our state interest. They will be the ones who will elect the next president of the United States of America so it is very important that we the American Citizens vote for public servants who have our best interest at heart. They are not elected to be little kings traveling around the world spending money going to private and expensive parties. So to the new and old public servants you have two years to do the job your state elected you to do. If in two years nothing has changed for the better you all will be fired. Unemployment has served its purpose for the American Citizens; without unemployment being so high and wages being so low; we the American Citizens would be too tired to pay attention to what you all were doing in Congress. To the American Citizens who voted for new public servants I just want to thank you for being true patriots by embracing the Constitution not a party. To the American Citizens who voted for the old public servants, why don’t you embrace the Constitution of the United States of America for a change and become true patriots? If you chose not to, then move to Europe at least in Europe selling your soul to a party makes you a patriot. Ms. Fox Speaks!!! Diane Williams, also known as Mrs. Fox is a unique character based from Nevada York s novels, Caught Up and Mahogany s Revelations. [ http://nevadayork.com ] She is an old soul at heart, who loves to tell it like it is! She firmly believes the real war on Earth is a spiritual war: Good vs. Evil. Diane s goal is to make sure that every person is aware that ones spirituality needs must out-weigh one’s physical and mental desires. She currently resides in Idaho where she strives to “keep it real.” http://nevadayork.com
She launched a business empire when she was nineteen years old. Her New England Valentine Company grossed $5,000 in its first year and was earning more than $100,000 annually when she retired in 1881 at the age of 53. Her name was Esther Allen Howland (1828-1904), and today she is often called the Mother of the American Valentine s Day card. Her alliances with two other early valentine makers, Jotham Taft (1816-1910) and George C. Whitney (1842-1915), would build the company she started in her home into an economic powerhouse. In 1847, Worcester, Mass., native Esther Howland was a recent graduate of the 10-year-old Mount Holyoke Female Seminary in South Hadley, Mass., when her father received a supply of English valentines to sell in his book and stationary store. She marveled at their lacey paper and floral decorations, but she thought she could do better. Through her father s store she imported the materials from England and set to work. Her brother was so impressed with the results that he took samples with him on selling trips and brought back orders-so many orders that Howland had to recruit friends to help her keep up with the demand. Soon the enterprise moved to the third floor of the Howland home where there was enough room to set up an assembly line, with each employee contributing a piece to each card. Later she rented commercial space. By the mid-1860s Jotham Taft and George C. Whitney also were building reputations as valentine makers. According to family lore, Taft was creating valentines as early as 1840; however, 1863 is the first record we have of his efforts. Taft collected materials while traveling in Europe, and when he returned to the United States he and his wife made valentines at home. Taft later partnered with Howland but sold his company to George Whitney when he retired. Like Howland, George C. Whitney began selling valentines out of the stationary store he and his brother, Edward, owned in Worcester, Mass. Edward left the partnership in 1869, and in 1881, Whitney bought New England Valentine Co. from Howland. Combined with Taft s and Howland s Companies, Whitney took his firm to the next level in American valentine manufacturing. He installed machinery to make lace paper and floral decorations so the firm no longer would have to import materials from England. By 1888, the company boasted stores in New York, Boston, and Chicago. After George Whitney died in 1915, his son, Warren, took over the business. When it shut down in 1942, a victim of the World War II paper shortage, the company that had grown out of the efforts of Esther Allen Howland, Jotham Taft, and George C. Whitney was the largest valentine producer in the world. David Kubicek is a freelance writer and with his wife, Cheryl, runs two Web sites. http://www.holidaystocelebrate.com is devoted to holidays and http://www.candlelightway.com is devoted to candles and incense.
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