How do I fix my Credit?: Hello Friend,If you'd finally like to learn how t...

How do I fix my Credit?:
Hello Friend,If you'd finally like to learn how t...: Hello Friend, If you'd finally like to learn how to get deep,  dark, spinning hair waves   like your favorite celebrities and ath...

Hello Friend,

If you'd finally like to learn how to get deep, dark, spinning hair waves like your favorite celebrities and athetes this is probably the most important letter you'll ever read.

My name is D. I'm not a celebrity or anything like that. But what I had to share with you is so revolutionary and so exciting - I just had to sit down and tell you about it. So please bear with me a little.

Let me start by telling you I'm an average guy in every sense of the word. I'm average height, average build, and decent looking.

And that's why my problem lies.

It's very frustrating when you don't have that "it factor" about you to attract the ladies. Some guys look like models, some hit their growth spurts by the time they are 16, others have the flyest clothes and nice cars. I didn't have any of that and to make things worse, my self confidence used to be low thanks to all of these things. I know I'm not the only guy out there that ever wondered "why didn't I get more" out of life.

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How a Simple Hairstyle Changed
EVERYTHING As I Knew It

The year was 2005.

I was a Sophmore in college and virtually invisible to the female species. To make the matter worse, I transferred dorms so that I could be closer to the two all-female dorms on campus. My dorm was directly between two all-female halls and your boy was about as visible to the ladies as Casper the friendly ghost.

My friends were all out getting girlfriends while I wandered around life aimlessly trying to figure out what to do to let the women on campus I existed short of wearing a sign that said "Yes! We are Open!"

One day I decided to vent to my barber while I was in the chair. He responded, "D. just let someone set you up. That's how it has to be done sometimes."

Appauled at the idea of not controlling my own destiny I told him "I can't trust my luck." I knew there had to be a better way than that. At the end of our chat he dusted my cut off as usual and said something that would set me down a new path...

"D. if you'd brush your hair you could get those waves swimmin'. They're trying to come in but you won't let them."

For a few weeks I completely ignored the advice until I was slapped in the face by it again. I was walking home from class and I saw two of the best looking females on campus, talking to some random average looking dudeat the same time!

What?! What does he have that I dont?!

Then I saw it. As I came down the hill I got a better look at them and I was nearly blinded by dude's hair. He had these smooth, shiny waves, looking like a young P. Diddy and the confidence to match. The ladies were hypnotized. I was appaulled. Beyond his hair, dude had nothing that I didn't! We were both the same height, same build, average clothes and shoes...

...but he had nice hair and I didn't.

I was so ready to doubt my barber's advice to work on my hair!

But it worked like steroids when I tried it...

A few weeks later, after spending $100's of dollars on hair products and haircuts I unlocked the secrets to getting healthy, shiny waves of my own! And I didn't use and flimsy kit to do it either.

Not only did I look better, I felt better, and my confidence grew leaps and bounds. I started chatting up cute girls in my classes, getting their numbers and hanging out with them. Women finally knew I existed. And the sexy girls saw talking to dude with the waves weeks earlier? One of them ended up giving me her phone number, twice!

So what does my success mean for you?

Having Waves Like a Celebrity is Now
as Simple as Following a Few Easy Steps

Throw that wave kit in the trash!

You don't need it.  In fact, it can do more damage to your hair than it's worth.  All it is dangerous hair relaxer for men. That isn't the right way to have the healthiest, nicest looking waves. Take it from me there are a LOT of BAD things you can do to your hair if you don't know what you are doing. Some of it can cause IRREVERSIBLE damage to your scalp!

I have complied everything I have done, "Paint-By-Numbers" style for you to replicate and get waves with.

w

Introducting My Step-By-Step System
That Will Give You An Unfair Advantage
At Getting Your Waves to Spin Faster
And Look Healthier As Ever!

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Anatomy of A Credit Dispute Letter

The Fair Credit Reporting Act or FCRA of 1970 has recently been strengthened in order to allow anyone to dispute negative disputes on their credit report. This can be done with a letter of dispute and in turn the credit bureaus must either delete the listing or verify it. The key to repairing bad credit is to write a properly formatted letter of dispute to one or all of the credit bureaus and send them out via registered mail. Always keep a copy of your correspondence and the receipt from your registered mail letter for further reference. It is also important to make copies of your credit report to include in the letter, not originals. Bel Below is a step-by-step guide to writing a letter of dispute to get rid of those black marks off your credit report for good.

et Your Credit Report
Once you have received your credit report and noticed that there is an error, outdated listing or a bad listing that does not have anything to do with you, it is important to look over the details and dispute these mistakes first.

Make sure that for each listing on your credit report, you check the personal identification information. Often, a listing that is not yours can end up on your report because it seems to match up with your details. If you dispute these types of errors first, other mistakes on your credit report will no longer match your file. Resource: Experian Free Credit Report

Make A List Of Items To Dispute
Once you have made sure that each of the incorrect personal detail listings are accounted for, it is time to look at all of the other damaging details on your credit report. List these from most damaging right down to neutral. For instance, a bankruptcy listing is far more harmful than a late payment or credit rejection.

Once you have all of the necessary disputable listings set out in front of you, begin writing your first letter of dispute. Each of the three credit reporting agencies should be addressed, even if these disputable listings only appear in one or two of the reports. If the three reporting agencies are addressed with a letter of dispute for each questionable listing, it will ensure that, later on, these items do not appear on your other credit reports.

Send Each Dispute SeperatelyAll listings, apart from incorrect personal data disputes, must be written out and sent separately. If you try to dispute several items at once it is likely that the agency will reject your claim on the grounds of it being irrelevant. At this point, you should be prepared for the credit reporting agencies to complain or even threaten that your request for a dispute on the items are frivolous or even illegal. This is untrue, credit reporting agencies are required by law to investigate and accept that all disputes are legitimate unless they have evidence to prove otherwise. So don't give up.

Personalize Your Letters
When writing the letters of dispute, you should consider handwriting them rather than typing them out. Make sure you use strong words that will make it clear to the credit reporting agencies that the mentioned listing is being disputed. Examples of these words are erroneous, outdated, misleading or unverifiable. Do not spend time explaining things in your letter of dispute, explanations are not considered useful. When the reporting agency receives your letter, they are then required to investigate the listing you have disputed.

If you are unsure of the format of dispute letters, samples can be copied or downloaded online by simply doing a search on your favorite search engine. These samples give you a good idea on how a dispute letter should be formatted and what details should be completed to get the maximum effect

It will take between 2 weeks to a month to receive a reply from the credit-reporting agency letting you know that your letter has been received and your dispute is being investigated. After a further 2-4 weeks, a new credit report should be received from the reporting agency to confirm that the item has been removed from you report.

Once the updated credit report has been received, you can then address the next dispute that you have until you have had all of the disputed.

•Sometimes, credit reporting agencies are slow to respond or choose not to respond at all. If this is the case, you will need to send another letter to them to remind them that they are obliged by law to address your dispute.

• Disputing items on your credit report is no easy task, you will need a great deal of patience and you will also need to be persistent and not give up. Remember that the credit reporting agencies are required by law to investigate your disputes, so don't let them bully you into thinking that it is not possible to have things removed from you credit report.

• For those who don't have the time or are having difficulties with the credit reporting agencies, there are legal services available that will dispute the items for you at a small fee.

HTTP://MYRAINLIFE.COM/EFTSECRETS

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Autistic Forms of Teaching and Tolerance

Understanding how autistic children learn is key to teaching them with the same intensity as you teach other children. This may seem like a straightforward idea, but autistic children learn so differently that understanding autism itself is a must when you teach autistic children. By becoming educated in the disorder, teachers can effectively learn to deal with autistic children and adults both in and out of the classroom, creating a more understanding world for everyone

Autistic children are often visual thinkers. Thus teaching by speaking will not be entirely effective. Teachers should combine pictures with words for the autistic child to fully comprehend the lesson. For instance, if you are teaching about the animals of the world, you should have a flash card with the word "mouse," say the word aloud slowly and clearly, and show the child a picture of a mouse. Perhaps even bring a live mouse in for show and tell. Nouns may be easier to teach autistic children since verbs require action and can be more difficult in illustrating. If you are teaching autistic children words such as "sit" or "stand," you should complete these actions when you teach the word. Also, because of the tendency to be visual, autistic children are often unable to follow long sentences. They cannot decipher the sequence and become confused. Thus, writing instructions can be very helpful when proctoring tests or quizzes.

As visual thinkers, autistic children can often fixate on a particular object or picture. If this is the case, try incorporating that object or picture into lesson plans. If the child likes planes, try using planes for visuals wherever you can in the lesson. For example, when teaching math, create word problems about planes to interest the child. Autistic children also tend to be artistic or musical, producing highly original drawings and showing above average abilities with instruments or voice. Set aside time in the day for the arts and encourage activities that the children enjoy.

Autistic children may also have trouble writing because of the control over their hands and movement. This is frustrating for both the child and the teacher. To reduce frustration, allow the child to use a computer. If you can do this, make sure that the keyboard and monitor are close together as the child may have difficulty remembering what he or she has typed recently.

By being open to teaching an autistic child to the best of your ability, you are not only giving him or her the best opportunities in life, but you are also being a good role model to the other children in the class. Do not allow an autistic child to ruin the learning experience for others, but rather incorporate his or her oddities into your lessons as much as possible. Creating a more prejudice-free classroom is the best gift you can give this child.

Understanding Zoloft Depression Better

Always feeling under the weather? Always not in the mood to be around others and have a good time? If you’re suffering from prolonged sadness for quite some time now, you should face these bouts of depression and get yourself diagnosed by a psychiatrist, they’re doctors who can actually help you out with your problem. Also, with the introduction of Zoloft depression, the number one, most-prescribed medicine for depression treatment, the problems concerning depression can easily be gone.

Depression or prolonged sadness is actually quite common in the United States, around 9.5 percent of the American population actually suffer from this illness, however, not all of them get to be treated, thus, depression and its ill-effects continue to be a burden to some individuals. This illness may seem quite simple to treat but in reality, it takes more than a little cheering up to actually cure depression. Constant visits to a cognitive behavior therapist is a must as well as taking all the prescribed medicines that the doctor will ask the patient to take – none of these exactly come cheap, but the amount of suffering that a person is going through because of depression is enough reason already for others to start taking notice and face depression head on. Here’s where Zoloft depression actually steps in, proven to be a safe and very effective treatment for various types of depression as well as anxiety, Zoloft depression has actually been around for around 12 years. Patients have been proven to respond well to treatments from Zoloft depression while doctors favor Zoloft depression’s availability in various strengths, this way, someone who’s suffering from depression doesn’t have to settle for something else just cause they don’t have the right dosage available, with Zoloft depression, it’s hard to not get the right dosage for you.

 In a nutshell, Zoloft depression is actually a type of antidepressant which is known to people as “selective serotonin reuptake inhibitor” or SSRI. It’s well-known to be a good treatment for patients over the age of eighteen that are being treated for the following: depression, posttraumatic disorder or PTSD, social anxiety disorder, panic disorder, premenstrual dysphoric disorder or PMDD and obsessive-compulsive disorder or OCD.

Some commonly asked questions about Zoloft depression are the following:

How long does it take before the effect of Zoloft depression actually kicks in?

How important is it to follow the doctor’s prescription for Zoloft depression?

To be frank, Zoloft depression is actually not for everyone, those patients who are taking pimozide or MAOIs are strictly discouraged from using Zoloft depression. Various side effects can stem from actually using Zoloft depression such as: diarrhea, nausea, sleepiness/insomnia, dry mouth and sexual side effects. Although according to studies, a lot of people actually didn’t care about the side effects and still opted to continue on taking Zoloft depression.

Some good points to consider though is that Zoloft depression is actually in no way addicting unlike other medication and it is not in any way, can be associated with weight gain. 

Since Zoloft depression actually comes in various dosages (25mg, 50mg and 100mg tablets), it is definitely best to consult your doctor first before taking any Zoloft depression tablet. This is one of the main reasons why Zoloft depression was actually created in various dosages, since each person is unique, one’s need for Zoloft depression may actually differ from the other and that is why we need professional doctors to assess how much or how little of Zoloft depression does one actually need. Self medication has always been a problem of doctors since their patients usually just end up in worse state than usual whenever they self-medicate and conduct their own diagnosis.

Depending on a person’s body makeup or ability to respond to treatments as well as one’s willingness to actually help him or herself get better, the effects of Zoloft depression can be felt in as early as 2 weeks, just continue on following the doctors prescriptions as well as showing up for every therapy session, Zoloft depression will seriously work for you.

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Dealing with Asperger Syndrome

Asperger Syndrome is a relatively mild form of autism that effects people in different ways than regular autism. Because it usually does not affect language, many people with Asperger Syndrome go undiagnosed. This is the one form of autism that is usually not caught at an early age and is instead a disorder that develops later in life. Asperger Syndrome, however, can be a very difficult condition to have, so as soon as you suspect yourself or your child of having communication and social behavior problems, see your family doctor.

Many famous and successful people were diagnosed with Asperger Syndrome. Historians even suggest that Einstein and Mozart each suffered from this disorder. It is important to note that no form of autism is a form of mental retardation. In fact, most people with Asperger Syndrome are very intelligent. Asperger Syndrome does not dictate mental ability, but rather makes it difficult for people to communicate in social settings, much in the same way a typical autistic child has trouble with behavior in groups. When this disorder goes undiagnosed, children do not get the help they need, leading to problems in school such as bullying. Most children are relieved to find out they have Asperger Syndrome instead of just thinking they are less of a person. By getting diagnosed, not only can you or your child put a name to the problems, but it is then also possible to get treated to improve your overall situation.

Some symptoms to watch out for if you suspect Asperger Syndrome are some of the same symptoms that people with full-blown autism experience. This includes social confusion, first and foremost. Many people with Asperger Syndrome find it very difficult to deal with transition or change, wanting everything to stay the same. A quickly changing environment is especially confusing. People with Asperger Syndrome also may say rude or inappropriate things when they don't mean to do so, and may not be able to understand others' thought processes. Another common trait they share with autistic individuals is fixation, although people with Asperger Syndrome usually have more control over their fixations, which take the form of highly focused interests. If you suspect yourself or a loved one of this disorder, these are just a few of the signs for which you should be watching. You doctor should be able to answer further questions and provide both reading material and treatment for this disorder.

Know Your Rights: Laws and Autism I.D.E.A.

If you or your child has autism, some of the most basic things you can study and learn are your rights. Every American citizen is protected under the constitution, and there are special laws that have been passed to help protect people with autism and other disabilities. By knowing the laws that protect you or your autistic loved ones, you can live in a world that provides better opportunities to everyone, regardless of not only disability, but also race, gender, and ethnicity. This is simply the first step to creating a more tolerant world in general.

The first law with which you should become acquainted is I.D.E.A., or the Individuals with Disabilities Education Act. The I.D.E.A. covers children ages 3 to 21 and provides autistic children with the special educational programs they need. The I.D.E.A. gives parents the right to be involved with education decisions concerning their child made by the school. Your child first needs to be assessed to qualify under the I.D.E.A., and this is best done by a private professional. In the end, your child has the right by law to receive a free public education that is appropriate for his or her skill level. If your public school has no such program, they are required to find one or create one at no cost to you.

Also become familiar with and knowledgeable about the American Disabilities Act. Under this act, discrimination due to disability is prohibited in the workforce, as well as with state and local government, public accommodations, the United States Congress, public transportation, and telecommunications. For example, if you are autistic, but have the skills to do a certain job, you cannot be refused the job because of your autism. 

Other laws provide rights for people with autism so that they are constitutionally equal to others. One such law says that people with autism have the right to vote, and accommodations must be made so that this is possible. Another says that autistic individuals cannot be refused housing based on disability. Others provide equal rights in all other aspects of life, and these should especially be studied if your loved one with autism is in a health care institution. By knowing the law and how it applies to yourself or others with autism, you can be sure that justice is upheld. If you have questions, local law officials should be ready and willing to answer you or provide you with material to answer your own questions. Remember that ignorance of the law is not a valid excuse for anyone, so be an advocate for yourself or others with autism to prevent mistreatment.

Bad credit in auto financing can really hurt

Bad credit in auto financing can really hurt, but it is nothing compared to the cost of bad credit when a home is involved. A typical home can cost between $50,000 and $130,000 more in interest if you are buying the home with bad credit

Fed up with bad credit and high interest rates? Talk to the credit repair experts now to get your free credit repair consultation and credit report summary.

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Vacation And Credit Cards

Each and every year, many of us go on vacations.  Vacations are a great way to relax, and get away from the everyday pressure of life.  Over half of all American families take their vacation between April and September, meaning that they spend a lot of money on travel.  Whether it’s international or domestic travel, you can spend a fortune before you actually realize it.
As we all know, traveling with cash or checks isn’t always a wise decision.  Renting cars, flying in airplanes, or checking into hotels is a much easier task if you have a credit card.  Even though you may decide to use your credit cards for big purchases only, you’ll find that the traveling experience will be a much smoother process.  

Unlike cash or checks, credit cards make handling your documents and receipts much easier.  If you purchase something, records from that purchase will be made with your credit card manufacturer, which you can always fall back on if something happens.  Things can go wrong without notice, so you’ll always want a backup plan or something to have as proof in the event of a disaster.  With a credit card, all you need to do is look back at your statement and you’ll find everything that you purchased in one easy to find location.
Credit cards are also much easier to handle and keep track of than cash.  If you decide to go to a theme park or a resort, you’ll find that cash can be a bit bulky to handle.  Carrying a large amount of cash can be hard to keep track of, even though it isn’t recommended.  Credit cards use up less space, and you can keep them in your pocket.  When you need to pay for something, you don’t need to count through your cash, simply hand over your credit card and sign your receipt.

If you don’t have any credit cards, you can always get them for vacation purposes only.  There are many benefits to having credit cards, besides the fact of them being easier to keep track of.  There are many different credit cards out there to choose from, including those that will give you cash back or rewards when you make a purchase.  Cash back is normally a small percentage of what you spend, and is given to you at the end of the month.

Some credit cards will give you reward points for every dollar you spend, which can be redeemed with several merchants offering a variety of products.  Although cash back is always a great thing, many people find reward cards to be just as good.  You can enjoy your vacation, buy just about anything you want, and know that the money you spend will help you to buy other things that you may need when your vacation is over.  Actually, can you think of this as having your cake and eating it to.

All in all, credit cards can make your vacation easier than ever before.  You can earn rewards and cash back with purchases you make using your card.  Although you may think cash is the preferred way to go, there are several merchants who actually prefer credit cards.  They are more professional, and easier for you to handle than cash or checks.  They are easy to obtain as well, providing you have good credit.  If you don’t have a credit card, you should look into getting one before you take your next vacation.  All you need to do is look for your favorite company online and apply through their website - you’ll normally receive a response in a matter of minutes.

Are Student Loans Becoming Necessary Evils?

When it comes to getting a college education most people can agree that the costs can be staggering at best. Even the least expensive colleges in the nation can add up over a four or five year period of time creating crippling debt for those who do not qualify for some of the better grant programs of substantial scholarships. 

The problem lies in the fact that the parents of most traditional college students make too much money to qualify for the free financial aid that is needs based and very few qualify for the limited number of scholarships that are available to students based on merit. Even among those that qualify competition and fierce and there are no guarantees. Enter the student loan. There are all kinds of student loans and unfortunately with rising costs associated with college attendence and the growing necessity of a college degree for success in this country it is becoming more and more difficult to pay the price that is associated with higher education.

There are three types of loans that are commonly found for college students. They include federal student loans, federal plus loans, and private student loans. Each type of loan has advantages and disadvantages that are unique to that particular loan. Below I will give a little information about each of the loan types and whom they may benefit. 

Student loans. There are three different types of student loans: subsidized, unsubsidized, and Perkins loans. 

Perkins loans are only available to students who display exceptional financial need. These loans are available at a 5% interest rate and are available to both graduate and undergraduate students. Perkins loans are extended through the university you attend and will be repaid to the university unlike the other types of student loans, which are repaid to the lending agency.

Subsidized student loans are loans in which the interest is deferred until graduation or you cease to be a qualifying student.  What this means is that while you are responsible for repaying the loan upon graduation the interest on these loans does not begin to accrue until your begin repayment 6 months after graduation or your cease to be at least a half time student of the university. You must qualify based on your income in order to receive a subsidized student loan. While the needs requirements for these loans isn't as grave as those required in order to receive a Perkins loan you must still qualify.

Unsubsidized student loans do not require qualification on a needs basis. You must be a student and enrolled at least half time in order to receive an unsubsidized student loan. The good news however for those who do not qualify based on needs for other student loan options is that this type of loan is available to all qualifying students regardless of need. The interest on these loans however begins to accrue immediately, which means they can really add up over time.
PLUS loans are loans that are taken out by the parents of students who need the funds in order to cover educational expenses. The maximum amount that can be borrowed is the cost of attendence minus any financial aid awards the student has already received. The repayment on these loans begins 60 days after the loan is dispersed and the repayment period can be up to 10 years.

In order to cover the costs involved in education that go above and beyond what the government recognizes as acceptable college related expenses you can opt to go the route of private student loans rather then relying solely upon federal financial aid for your student loan source. These loans require that you qualify in order to receive them based on your credit rather than your need and must be used for educational purposes only. With these particular loans you really need to make sure you read all the fine print as different companies offer different conditions and different perks. You should really take the time and compare prices and options before taking out a private student loan and this should be done only as a last resort.
Student loans for many can be the difference in attending college and getting the education you are hoping for and not being able to pay the high costs that go along with higher education. For this reason you should treat them with respect and not take them lightly.

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Are Student Loans Becoming Necessary Evils?

Creating Best Online Business

There are many different ways to make money on the Internet but this article today will focus on one particular idea, creating the best online business. There are as many ways to make money on the Internet as possible but there aren't a great deal of tried and true methods that can work for different people. 

The method that we will focus on today is creating a website in a small but profitable niche. What all businesses come down to is finding and maintaining a strong and solid customer base that can constantly make them money. This is true no matter what type of business this is, Internet or retail. The only way that a company makes money is by attracting a solid base of customers and then building off of that. If you are able to build a solid base of highly responsive customers, you will have the opportunity to print your own money.

The first key in creating the best online business is to help you identify a niche that you can work in. this can be a bit tricky but you must make sure that it has a few characteristics. First, you will want the subject to be something that you are interested in hopefully. To truly create a website that people will want to keep visiting, you will have to have a great deal of information and different ways to keep them interested. You will probably need to be researching these topics quite a bit so a strong interest within the field will help you. Secondly, visit www.myfes.net/mwashington1. This website can help you generate ideas on what different areas are underserved. The author of this website, James Jackson, gives you niches plus keywords so that you know what to build your website around. 

That was great information but here is the rest quickly. You want your website to be built around those keywords so that Internet searches bring up your website among the first page of search results. By doing this, you can start gaining traffic to your website. By constantly writing articles, you can develop a repeat client base which you can begin selling to. Once you are done developing the website, you need some sort of product to sell. This is not necessarily something that you have to come up with. If you go to Clickbank.com, you will find many different products that you can probably sell within your particular niche. You will get a share of the profits and the system is automated so that you just have to guide your clients over to that particular website and everything else is taken care of for you. 

If you decide and look into developing a newsletter then you can promote a product at the end of the newsletter, which could bring you in a great deal of money. This is where you can make some good money. Hopefully this article on creating the best online business will help you out. If you want to succeed, try this idea but keep testing as it takes great time and effort to become a strong and profitable website. 

Deborah Taylor Financial Education Services

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How do I fix my Credit?: Hillary Clinton's Presidential Campaign: Who knew that the 2008 election would have the Democrats swinging two mighty powerful punches in such a short time frame? As a woman poi...

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Tackling Global Warming

As we move towards the future, technology is developing rapidly to assist in solving our problems.  These problems range from simple issues, such as improving the quality of paper products to the advanced such as improving the quality of life and condition of our planet.  Global warming is one of the topics that many of our politicians all decide to sit around and talk about, without showing much progress, which is a cause of great frustration for peoples all over the world.  

Too often the politicians involved are too caught up with trying to prove their opponent wrong to actually improve the situation.  This causes further problems, and compounds the problem.  Each time the topic is revisited it causes heated discussions from members of parties who drive large expensive cars, which consume gallons of gas, and release large quantities of smog into the air.  No one wants to lead the way, and why should they?  Conservative politics pays their bills.

As the future is expanded into new and brighter horizons, there are developing ways of trying to help prevent the destruction of the planet.  These methods range from cleaner and gentler chemicals, to even the ideals of "green" power.  Car manufacturers are even getting into the swing of helping improve the planet by producing hybrid vehicles that are easier on the environment, use less gas, oil and other toxic chemicals, and have lower emissions rates.  All that's left is a major Western societal change, and a widespread recognition of the problems we are facing to change this situation.

The government is doing a great job of helping encourage manufacturers, by offering tax breaks and other incentives.  This is always wonderful to help reduce the emissions rates for vehicles, and slowly the tax incentives are expanding to allow other companies the same discounts and savings for switching to cleaner more energy efficient methods.  Is this a good thing?  Should the government really be encouraging this behavior?  Many say that yes, it should be encouraged and programs that encourage the use of cleaner power, and less environmentally hazardous chemicals should always be rewarded, especially since the cost of such methods and chemicals tend to be more expensive.

Normal taxpayers are not seeing the benefits of trying to go "green" when looking at their own budgets.  Many electrical companies are starting to offer "green blocks" of power which can be purchased, however these blocks are purchased in addition to the normal household power consumption, and do not allow discounts on the next months bill in exchange for the purchase.  Something seems a bit odd here, major manufacturers are encouraged with tax breaks and incentives to switch to cleaner methods, but millions of households are not.

It seems, a good step in the direction of correcting global warming, would be to create a program to help reward the small things that households could easily do.  That would save thousands, if not millions of watts of power each year.  This would reduce immensely the amount of power that is needed to be produced, and allow the power companies to help clean up large areas at a time, instead of just a few manufacturing areas which have fallen into disuse.

While it is a wonderful idea to clean up the smog-ridden towns, and reduce the energy uses, so that resources from the ground are not burned continuously in the pursuit of energy.  There are smaller things that can be done on a very large scale that would help reduce the amount of damage that is done to the ozone layer each year, and would greatly slow the damage that the human race is causing to our greatest asset, our planet.  It's not the burden of the government, nor is it the burden of the people.  We can all make the change, but it needs the collective of humanity to make the difference our planet so dearly needs.

Who is Barack Obama?

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Who exactly is Barack Obama, and why does he deserve to be President?  Obama is a Democratic senator from Illinois, who is sitting as only the fifth African American Senator in United States history.  Couple that with the fact that he is currently the only African American serving in the Senate and you must concede that he is definitely determined.

Obama was elected to the Illinois Senate in 1996 for the first time, and since has served 3 terms there, including this term.  He tried a very unsuccessful run in 2000 for the United States House of Representatives.  He lost by a margin of 61% to 30%, and lost to four term incumbent Bobby Rush, whom was a former Black Panther.  It leads people to question, if he was unsuccessful at a House of Representatives bid, how is he going to be successful at a bid for the White House.

One major point which will likely help Obama is he won an endorsement from the Illinois Fraternal Order of Police for his support of gun control measures.  Coming in the weeks and months following the tragic Virginia Tech massacre, this one point may really pull him ahead of some of the other candidates for the election since so many families are feeling the brutal pain and faced with burying their loved ones.  Is this enough, will this one measure be enough to place Barack Obama in the White House?

this point it looks as if not, but that's not to say that Obama does not have his supporters, in fact he is in the lead as one of the 2008 Presidential hopefuls who has accumulated the most money so far.  Will this success rate hold out, it is really enough and does he have enough supporters to win this election?  At this point, Obama is leading the polls in the youth votes, with more young adults supporting him than any other democratic candidate.

Last polls showed that Obama lead the race with 35% of the 18 to 24 year-old crowd, with Hillary Clinton coming in at second place with 28% of the same age group.  While these numbers may not seem high, they represent thousands of people in the difference.  The 2006 midterm election saw a huge turnout of young voters, and analysts are wondering if 2008 will see another huge increase of youth voters coming out to express their opinion.

Obama is a relative newcomer to the political arena, especially the national arena which is a hard place to be successful, and battling Clinton is no small feat, especially since she has been a major political figure since her husband was elected President in 1992. But with all of Hillary's experience, can Barack pull ahead and win?  He has managed to pull in 104,000 donors for his election fund.  Will all of those votes actually manage to pull through and pay off at election time?

Will his stand on guns and his place in the youth poles be enough to move him towards the White House in a successful bid?  Time will tell as the Democratic hopefuls' battle it out in the political arena.  One thing has been clear, at this point Obama has made it clear he is not running for the number two slot on a ticket, he is running to win.
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Unemployment Rates

As several states are experiencing a fall in unemployment rates, the overall national average paints a bleaker picture, as it is starting to slowly rise, causing an array of social and economic problems for the ordinary citizen.  There are more than 1.69 million Americans unemployed currently.  This number is awful and means that more Americans are slowly being put on state aid and draining society of invaluable resources which could otherwise be spent on education or health provision.  This strikes at the core of the budget for the states, which are spread very thin as it is across all the required public departments.

As the economy continues to be very shaky and with numerous major corporations going under due to mismanagement in recent years; there has seen a spike in the number of companies who are crashing on the stock market, meaning jobs have been lost and wages slashed.  Couple this with the fact that the inflation rate is rising, the minimum wage is the same, and you are looking at a very bleak outcome for the financial future of America and its people.  Something has to be changed now in order to reinvigorate our economy and our people.

Many people are able to enjoy comfortable lifestyles while many others are left with jobs that pay minimum wage, or barely over.  Many Americans are busy working 40 hours plus a week and barely struggling to make enough to cover the bare essential bills.  It is a tragedy the way the economy is functioning; with a great number of people getting richer, those who are financially struggling are continuing to struggle in a perpetual cycle of debt and poverty

The interest rates have hit all time lows, which has resulted in an enormous number of people purchasing their first homes.  This has increased the number of people moving from rentals to the homeownership world.  However, this has a price, owning a home is never cheap; the expenses must be paid somehow, and this is taking its toll on the already tightened purse strings of most Americans.

The biggest problems with the economy are the lack of jobs over all. There are several major companies all across the country who are being courted by cities all around for new plants and factories to be built in their area so that an abundance of jobs would be available.  These plants are few and far between, leaving the rest of the citizens without a job, and trying to desperately to grapple at the few minimum wage jobs available that offer 10-20 hours a week.  If more was done to encourage big business to provide work domestically, this would at least work some way towards improving the lives of many Americans.

How to overcome these problems is something that many politicians are faced with the task of on an almost daily basis.  The residents of their areas are forced to seek guidance and attempt to make changes for the better in order to improve the quality of life for everyone.  People are always seeking ways to improve and better the economy, yet one of the biggest economic flaws is the national minimum wage staying the same for so many years, while the inflation rate has steadily risen.

The issues of new jobs, better benefits, higher pay, and more hours are always brought up in almost every state at political executive meets.  Some states are in a very fortunate position where they are not forced to worry about the unemployment rates, they have managed to find a recipe for success and have lowered the unemployment rates to cater for the needs of their populous.  If the nation as a whole can lower the rates, we will be moving towards some much-needed economic improvement, and the knock-on social benefits this brings through reduced crime and improving quality of life for the citizens of America all round.

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National Bubget

When the Senators, Congress people, and President all gather around to start discussing issues of the budget, many people get worried.  One of the biggest worries is that taxes will rise, and there will still be a deficit.  This worry is fueled each year, because as the inflation rate rises, the money must come from somewhere to fund everything that is necessary for the government to function.

Some are questioning how rational some of the spending is however.  Many departments could use a serious slim down, while other departments desperately need more money.  While the defense of the nation is very important, many question why schools and education are not given a larger portion of the budget so that proper job training can be administered.  This would enable students to graduate with a better understanding of the career world into more graduate-centric employment opportunities, such as those within the services sector.

Funding the budget is obviously never easy, but with taxes getting higher each year, there is nothing being done to increase the minimum wage at the national level.  Many citizens are left to stress over how they can possibly continue to pay their tax bill each year, still have enough money to live, and be able to take care of their families.  The budget crunch that many families face every day is very similar to the task of the politicians in dealing with the national budget, except it is the people on the front line facing the toughest decisions and fighting their daily battle.

Each year the department heads all gather together to bring their budget requests in.  They come with ideas of improving their departments and asking for more money.  The idea is that other departments can have some items cut from their expenses.  This is a decent concept, however dollar for dollar the government really does not do a good job of managing money very well.  Given that there are so many conflicting interests and political pressures, it is difficult to understand the logic behind some of the decisions made in relation to the budget.

If a business managed money the same way the government does, they would have gone bankrupt many years ago and been forced out of business, with the directors prosecuted for wrongful trading.  This is directly the result of much wasted spending that is sliding into the budget each year.  NASA, for example has spent thousands, upon thousands of dollars developing a pen that will write in space.  The idea of a pencil never crossed their minds.  The money spent developing a pen that is rarely used could have been better spent in training teachers so that students were receiving the education and materials they need.  Arguably, the idea of funding space exploration at a time when there is a budget deficit is also irrational; surely this money would be better spent elsewhere until we manage to pull ourselves from the red?

There are numerous cases and examples of money wasted throughout our public sector.  There are also just as many examples of departments forced to cut corners and skip necessary tasks, needs and maintenance, or putting essential work back until the next budget is announced, because it is not in the budget at a price they can afford.  There is always a hope that at some point in the near future that the United States will manage to pull out from under the deficit that it has created and restore itself to having a surplus budget.  It will take time, effort and a great deal of belt tightening to get there.  Nevertheless, it will happen at some point.  Frivolous spending can only last so long before coming to a halt, at which point we can start to increase our surplus to the benefit of our national and local public services, before finally seeing the lowering of taxes that we s disparately need.
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Internet and Politics

In the past, political figures relied upon the news in the form of television stations and even newspapers to release information to the public, i.e. direct to the electorate.  Now with the invention of the internet, more political figures are releasing their own information.  How does this affect the release of information?  Does this add to the impact of law and government on society, or is this merely a direct root to brainwashing the public.  Furthermore, is it good to use political figures time releasing information when they should be enacting change?  In this article we will look at the relationship between the internet and politics, and whether the move towards more accessibility and greater personal accounting is beneficial to democracy and government.

The correct answers are never easy to find, however with some work, analysis and thought it is possible to come up with the right answer.  The right answer is there is no answer - isn't that horrific.  Each politician has different means of how comfortable they are on the internet.  Using the internet has allowed some to maintain a closer proximity to the people they represent, while others have used it as a means to avoid personal contact with the people.  Either way, the Internet is obviously a powerful campaigning tool, and most politicians seemed to have realized and utilized this within their own campaigns.

Many politicians are taking the internet and using it as a means of keeping a continuous stream of contact with the media, the people they represent, and everyone else.  The internet has allowed the political figures who use it the ability to quickly communicate with everyone whenever important information is available.  This makes them more accessible to the ordinary man in the street, which has never been possible through any other medium in the past.

Using the internet to communicate directly with people has improved the accuracy of the information that comes down in the political reigns.  Being assured of accurate information is why many prefer to receive the information directly from the lawmakers whom they elected.  Many times, it is possible to find the information in more detail online, and with less hassle and false facts.

Couple the increased communication with the fact that each day, millions log onto the internet and it makes it the perfect place for candidates to hone their campaign skills to help increase their visual image in the public eye.  Most voters want a political figure they can find easily so they are able to do research to find the candidate that they truly believe in without spending hours doing research.  Furthermore, the internet allows politicians to point their campaigns directly at a completely new demographic that had never before been tapped into.  This is unleashing a whole new generation of voters eager to make the difference, which is working wonders for the politicians involved, and of course their savvy communications managers.

Many voters have embraced the idea of being able to show support for their political parties from the comforts of their home over the internet.  Politicians are also enjoying the ability to quickly communicate and using various social websites as well as the websites for their offices to keep a good flow of communication open with voters.  With everything compiled it is a wonderful age, where the internet is able to bring politicians and voters much closer together, while still allowing the politicians to be in Washington, or where their office is performing their job.

With the ease of the internet, politicians are able to communicate with the public from anywhere, giving them more time to communicate greater amounts of information to the public, as well as be able to gather feedback from the public in regards to the wishes of the majority.  Overall, it is a wonderful time and a wonderful addition to the political world since the invent of the internet.

Hillary Clinton's Presidential Campaign

Who knew that the 2008 election would have the Democrats swinging two mighty powerful punches in such a short time frame? As a woman poised to run for the ascending Democrats, Hillary stands a chance of actually winning.  Is that the scary part, or is the scary part that she is running against the first black man to actually stand a chance of winning?  Clinton has hit the campaign trail hot and heavy working on building up her bank account for primary expenses and is busily planning her campaign.

People are left to wonder is Hillary Rodham Clinton going to be the first female president of the United States?  She has already lived in the White House before, and is fairly familiar with the job, but is the sting of having two members of the Bush family so close together going to be a bit too much for voters to tolerate with the Clinton family?  As a freshman, Senator Clinton made a very powerful impression and has performed particularly well for the state of New York.  Will Hillary be able to maintain this momentum through the election?  Moreover, will she garner enough support from within her own party to take the victory she so truly desires?

How well she can really perform as a President is the bigger question, and one which surely only time could answer.  While being a Senator and the President are both high profile jobs, is the nation ready to open their hearts, and minds, to a female President?  The country being led by a woman could be a huge step forward in women's rights, yet that is a gigantic step that this country may not be quite ready for.  With women pulling more jobs of power each year, females are rising to the top of their game, proving they are just as capable and competent as their male counterparts.

Stop and think, while the nation is poised to see a female running for President, how many other candidates names truly come to mind?  Very few, for the typical American. Hillary is a household name, who made a name for herself after stepping up to the plate to be a very involved First Lady who held her head high even with her personal life in chaos.  Many Americans understand and appreciate how well she managed to pull herself together and still set a stellar example for this country.  Her composure and rational approach has won her the utmost respect nationwide, which will undoubtedly contribute towards her performance next time around.

From the women previously in the White House, Hillary is truly one of the more rememorable.  Barbara Bush and Hillary both made a point of going out into the public, while the current Mrs. Bush, Laura tends to hide more from the public eye.  The number of times Laura has been out in public is minimal compared to the two former First Ladies who have graced the White House.

If we stop and look, America tends to be a much happier country when the First Lady is actively involved and makes herself well known.  Both politically and economically, the presence of a solid First Lady has a very positive impact on American society.  Consider as well, Hillary is the first First Lady of the United States who has run for a public office and been elected.  Consider this a major feat for the women of the country, add to that the fact that Mrs. Clinton has managed to be the first female Senator to be elected in New York and you have a very busy woman who loves the spotlight.

Should America be running scared, or standing tall as the events unfold?  Only time can tell for sure, but when dealing with the first Former First Lady to make a political name for herself, it is sure to be a very interesting election.

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Conservative vs. Liberal

Many people do not really understand the difference between a conservative and a liberal.  How do you really know which side of the spectrum you fall on?  In this article, we are going to explain some of the differences, so that as political figures are discussing conservative and liberal ideals you know exactly what is going on.

The first side of the issue is the conservative side.  The conservatives tends to want to preserve things they way they are, for example they dislike change, and do not want things to change in the way the country is run, how people come into power, and how civil rights are handed out.  Conservatives appreciate in real terms the importance of building and maintaining the economy to the benefit of society as a whole.  Many conservatives are also considered to appreciate having an exclusive inner circle that controls the entire country, although in mainstream politics this is rarely a salient feature.

Many conservatives also live by the ideals that institutions that have been successful rather than dwelling on mistakes.  This has the effect of working towards improvement in efficiency, which is another key factor of Conservative thought.  Many conservatives do not think technology is our friend; they feel that technology should not be a part of government standards and ideas based on the inefficiency it brings.  Many conservatives are also very cautious people, which is reflected in the opinions and decisions of their politics.

Liberals on the other hand are very much different.  Most liberals are very open to change, almost to a fault; they do not mind the ideas of change as long as it is for a perceived good cause, even where there is no practical utilitarian upshot.  Liberals tend to be willing to take more risks than most conservatives are in the whimsical pursuit of change.  Most liberals are also very tolerant of behavior different from their own, as well as they are willing to open their minds to new ideas and concepts easier than the conservative counterparts.  Liberals also like to push for change without necessarily having a justification for their actions.

Liberals tend to be very progressively thinking people, whom are quite open to the new ideas of technology in terms of normal daily life, as well as in the role of assisting the government in managing the country to the best of our ability.  However, their emphasis on extreme individual freedom means a more distant form of governance that leaves society to regulate itself without much intervention.  This has led to numerous political and social problems for liberal governments across the world.

While there are some major differences in the two sides, there are also many people who fall somewhere in the middle.  Many people are able to pull their comfort zone from taking pieces of each side.  While some people are hesitant of change, they are able to accept change in order to make things better for everyone.  For example, women's rights were the result of change.  Many conservatives were against the ideals of women being allowed to vote.  On the flip side, some liberals are in favor of the legalization of drugs, and are wholeheartedly against government regulation in the way we live our lives.

While there are many differences in the ideals of the two groups, there is also a bond that forges from each side being determined to make life the best possible for the people in the areas with which they are concerned.  Neither side sets out to hurt the other side, nor the people they are responsible for helping.  There are times when the goals of both sides do come together nicely and result in wonderful progress for our cities, nation, and country as a whole.  Looking to the future, we can expect both sides to continue to change and progress as things change and the future becomes reality.

Children and Violence

How far does violence extend, how do we determine exactly who is responsible for the violence that children are seeing on television and in music.  What about video games, who is taking the responsibility for the violence and awful things that, are occurring right before the eyes of the youth today.  Many politicians are looking to eagerly blame the media and entertainment industry.  Is that the correct place to lay the blame?  Perhaps parents are the people ultimately to blame.

More parents today than ever before are working longer hours just to stay afloat financially.  This alone results in phenomenal numbers of children being left with a television as the babysitter in charge of teaching right from wrong.  How does a child learn the difference between right and wrong, when their parents are nowhere to be found?  Where does the parents' responsibility to parent a child and the governments' right to parent a child merge?

Does the government even have a right to parent children?  Should the government be allowed to determine what is appropriate for all children to watch, or should that be ultimately left up to the parents to decide on their own?  There have been television shows, movies, musical artists, and even books banned because the government does not approve.

Where is the line drawn in who controls what the children are watching?  Is it really up to the parents, or is it left to the children to decide on their own?  When did parents lose the ability to control what their child watches, and when did the parent become subject to the child's own opinion?  While some advances in technology have been wonderful, there is also much effort by the government to control what a parent does with their own child, and it is this more than anything that has caused controversy on a civil liberties basis.

There have been several inventions and developments that are able to help parents monitor their children; from the v-chip to programs that log instant messenger programs.
These developments are great for the parents looking to monitor their child themselves, but what about the music industry.  Most parents are constantly told that the violence their child is exposed to is the fault of the music industry.  The blame is placed on the singers and producers for releasing the music.

Much blame is placed everywhere but the parents for taking responsibility for their own children and determining what is best for them.  With politicians attempting to punish some area of the entertainment industry each time a national tragedy occurs, it puts a major crimp on the ability of parents to decide for themselves what is acceptable for their child and what is not.  Many are left to allow their child to choose from the options that are left, once the government has omitted the choices that are bad.

Is this censorship, or helping raise children?  Many seem to think it leans heavily towards censorship, a place the governments should not be treading.  Many others tend to feel that it should be a high priority of the government to protect everyone from something that can potentially be bad, without even giving people the option to make their own decisions.

The issue as to what extent the government should intervene with the way in which we live our lives is hotly contested, and it works in a much larger circle than just the control of our children.  Should the government take a step back, and allow society to use its freedoms and powers for self regulation, or is there a need for intervention to ensure the greater good and justice for the welfare of society as a whole?  For the time being, it seems as though the most pragmatic approach relates somewhere in the middle, although it will be interesting to see developments in this area over the coming years.

Jenny Craig for Dieting

When it comes to dieting and diet commercials I'm sure that many of you have seen the formerly "Fat Actress" Kirstie Allie singing the praises of Jenny Craig for helping her lose 75 pounds. While most of us would agree that this is quite an accomplishment there are many of us watching from home and thinking there is no way that little tiny pizza is going to make a meal.

Much like Weight Watchers, Jenny Craig has experienced phenomenal success over the years and incredible longevity. Also like Weight Watchers, Jenny Craig has shown an incredible ability to evolve and adapt to the varied and growing demands of consumers. Not everyone is content to enjoy tasteless boxed foods that were prepared for the sake of convenience rather than flavor and yet many would rather sacrifice the flavor in favor of something that didn't keep them in the kitchen too long and weaken their resolve to avoid the Rocky Road hiding in the freezer behind the ice trays.

Regardless of your desires, Jenny Craig is rising up to meet your demands. Not only can you order the pre packaged food through Jenny Craig that has made them famous but now they offer tried and true recipes on their website which allow you to try out your own culinary talents and fulfill your love of cooking. Yes, some of us actually do love to cook. Incidentally for many of us that is how the pounds became a problem.

Jenny Craig is an attractive dieting option because they offer multiple plans to suit different budgets. Far too many weight loss or dieting plans are one size fits all when it comes to budget despite their flexibility when it comes to pounds but that's a story for another day. Dieting is difficult enough on its own without adding financial worries when it comes to paying for the plan into the mix. This is perhaps one of the greatest features I've seen about Jenny Craig and that is saying a lot because they have plenty of other great features as well.

Jenny Craig is yet another weight loss plan that stresses the importance of the calories that must leave your body as well. It is important that you remember this as you incorporate any method of dieting and weight loss into your lifestyle. In order to achieve maximum success you absolutely must make the time in your schedule to exercise. The calories consumed are just as important as the calories that are taken in and that is something far too weight loss plans stress. Jenny Craig, fortunately, isn't one that fails to stress this crucial fact.

Dieting has almost become a bad word in our society. So many people are constantly on this diet or that diet only to find that they are failing time and again to achieve the results for which they were hoping. There are those who will not succeed with Jenny Craig just as there are countless others who will. The trick is in becoming a success story rather than one of the many who have given up and moved on to other dietary pastures. There are plenty of plans on the market from which to choose. The problem is often not the plan but your ability to stick with the plan for the long haul.