Friday, August 31, 2012

Do The Youth Have A Benefiting Role To Play In The Affairs Of Their Country?

The marginalization of the youth in Northern Uganda is an outcome of the twenty year (24) insurgency. The after effects of war caused extreme depressions and trauma despite having a government in place straight through the years. As before, hardly do they feel inspired and enthusiastic of the current and upcoming national elections.

Having grown up in the war era the youth in the region are as good as unborn babies as they have to start late to relearn life and rediscover their possible for development in order to supervene in the current capitalistic cheaper -a pressure zone for transforming life. Unfortunately when politicians in the current regime and its followers talk about development, they do so to imply certain changes in Kampala.

With assurances of rigging national elections, the elections fever now applies to those fighting for political positions and, somewhat, other regions of the country that shrive on bribes. easily the fighting is in its true meaning, not a joke. Uganda has never had known democratic election, but only money-powered and coercion-powered systems of governance. Such conditions are not any better than those in 1980 that "forced" a few unhappy Ugandans to war. They are worse! And what does that make of the hereafter of this country? Do the youth have a future?

Remember, it is about money operate (as "effective" as a remote control) while reserving the use of force as a possible option for both the old and young. Moreover not every youth is marginalized -so the un-marginalized section will find no meaning in socioeconomic and sociopolitical struggles. In any case, they will back their money-powered guardians against the economically deprived youth.

On September 8th, 2010, at midnight, a youthful policeman guarding Makerere College stopped erected a check point -asking every pass-by for an identification document. He was not tolerating any excuses for lack of it by saying, "...sirimukintu: I did not go very far with studies." Sirimukintu meant: not being part of the privileged members of the society. These are citizen either in government or in the same bedroom with it.

So even in government, there are a handful of citizen living in the strongest shell -where not any one can belong. That is the nature of society. But of course, not every one can live there but opportunities to getting there must be free and fair. For him, it was not about his job with government but personal issues -related to inequalities and youth ambition. The verdict for the tango in the middle of the youth and the privileged ones will be left to fate.

Youth united have a opportunity to reach set development goals -through proper assosication and leadership. In modern times, ethics in them both (organization and leadership) is another. No wonder, behind every society problem, there is a examine of leadership. But leadership begins from private level, negotiated, tested and endorsed at society stage.

It is sad to note that so often the youth fall prey of money-powered politics, never with there be any element of rational decision-making on the basis of quality manifestos. Instead, they assume the nature of commodities for trade. It will be another story if they take the money -knowing it is public money and, then, vote objectively.

However, that is a national issue -though a concern to very few Ugandans -who walk the patriotic talk. Such will, as well, adversely influence opposition politics -more so in their dream of advancing to state house. Probably, this makes Olara Otunnu sane by declaring not to participate in the forthcoming national elections.

But that defeats him -when money-powered politics is culturalized as the case today! If that is case, for how long will Otunnu boycott Uganda elections -yet the youth would expect a lot from his manifesto -as well?

The youth have always shown their power on very essential issues: in defense of cultural institutions, wellness, work development, and better governance. With up about 55% of the Country's total citizen -according to Uganda Bureau of Statistics (2010) -indicating seven million youth to be eligible to vote by the end of next year, 1.4 million of them voting for the first time in 2011, youth united can not fail in their endeavor to participate in the affairs of their country -and to receive a fair share of the national cake.

The description supplementary indicates that majority youth (18-35) have either grown up or were born during President Yoweri Museveni's rule, so they will judge his government based on its description unlike the older voters who make comparisons with past governments. And how have the youth benefited in his rule?

Most likely any achievement put forward will be invisible, unfelt, full weird statistics, own imaginations, or a supervene of private youth hard work and sweat. Still, though, with a lot of hard work and should be a functional principle for every youth -through asking questions like, "What have I done towards easily changing my life." This is saner than waiting for the heavens to give answers.

However, youth are not and should not be for whoever wishes to take advantage of them. The imagine why the same youth have gone to school is to be empowered with adequate yet data about their country and, of course, as part of their education, they do research. Besides, the media and youth connected organizations pass on variety of data from which the youth can extract, assess and use to understand their country.

But this does not rule out irresponsibility on the part of some youth: its part of man failure universally to direct life to the good and reality of the future. For example; the July 11 terror assault in Uganda was conducted by the youth and the largest numbers of those killed were youth (over 80%) -a case of a youth killing a youth! That did not only examine united youth ambitions, but also those of humanity. What a barbaric action!

Biologically, it was purposeless and meaningless. In fact, beasts are most intelligent, because they kill only to eat and survive. The July 11 attackers killed because of ideology packaged by the money-powered elders. Moreover, these (elders) were foreigners! If they had looked back to their traditions, they would have seen how hollow their lives at the time before the assault were. Well, after all, it is spectacular, that the spirit and culture in Uganda is that of enjoying life peacefully -which dictates a better hereafter for the youth in single and country in general.

But with the share of unemployed being 83 percent in Uganda -the highest in the world agreeing to the new Africa development Indicators launched by the World Bank (2008), how pleasing would that be to the youth? Would that justify retention the same standards of life -because someone must be in power for as long as he or she wants and continue with the status quo? It is only when the youth start identifying with their needs and achieving them in sustainable manner rather than with a piece of bread for a day from an elderly money-powered politician -will they ably talk such questions.

From such an understanding, a solid youth preserve can have a more bargaining power to register their presence in both course books and financial statements. Now, here comes a opportunity when politicians dearly want a youth vote, lets use it. Also to note is that political positions are wide open for them to take. This period, therefore, would be thorough for the youth to assault a bargain.

The following would be the demands of the youth to the concentration of government (s):
• Identify youth needs and assess essential issues that can be addressed now like; unemployment, poor employment policies (not monitoring the foreign firms to ensure a given quarter of local workers), inadequate and poor reproductive health facilities (especially in rural areas), corrupt public job recruitment theory -and unequal regional consideration for development opportunities.
• Develop activity plans and policies that are youth-involving, hold national wide conferences to consult and seek views of the youth guided by "funds-now" slogan. And, indeed, the introductory first phases of funding must begin now; no politics (lies) in it.
• Explain to the youth why there are dysfunctional youth policies and their immediate resolve and structural changes to deal with them -wholesomely whilst ensuring youth involvement and potency of them (policies).
• Promote youth in leadership, human rights and democratic processes and, those with development aspirations or projects -through training, easy-for-all means to access development funds -and a tax-free period (of at least 10 years) in business. Furthermore, having received government funds, the youth should work in allocated (by government and straight through agreements) institutions or corporations, or in small medium enterprises for a certain hours of the day free of charge. The same should apply to needy students.

In his words, Ndeebesa N (2010), a senior lecturer at Makerere University said, "While older voters tend to be more compromising and accommodating, with a lot of comparisons to make, the youth examine for democracy in its full form." The youth need participation in development, influential yet independent say and tangible results. However, to perform that, the youth wherever they are must sing the same song.

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Unemployment safety guarnatee - Provides the safety Net of a exchange revenue

--How To Apply For Unemployment of Unemployment safety guarnatee - Provides the safety Net of a exchange revenue--

link Unemployment safety guarnatee - Provides the safety Net of a exchange revenue

Unemployment safety guarnatee has to be given some serious plan as there are three separate types. All would safe your repayments against the possibility that you might lose your revenue to redundancy. All would also payout an revenue after a deferment period and for up to so long before expiring. All cover would also bring gigantic peace of mind of an revenue which would mean you would not be left struggling.

Unemployment safety guarnatee - Provides the safety Net of a exchange revenue

Whichever type of unemployment safety guarnatee you chose to take you would have to decree how much you wanted to protect. All providers will however set a limit on this so you have to check before taking the safety out. The number the victualer agrees to safe with you would be the sum that you get back if you make a claim due to becoming unemployed. The payments would be tax free and would continue for either 12 or 24 months depending on the terms of the provider. A deferment period, the period of time you have been unemployed, of either 30 or 90 days is regularly set out in the terms of cover and again needs checking before buying.

The types of cover you have to think are mortgage, loan or revenue cost protection. The guarnatee would safe the repayments as their name would suggest. For example mortgage guarnatee allows you to safeguard so much of your monthly mortgage repayment. While shelling out other monthly cost might seem daunting, when you stop to think the results of not having guarnatee you can see it could be well worth it.

Without unemployment safety guarnatee to fall back on stop and think for a small how you would say your outgoings each month. If you have savings and think that you will fall back onto these then think for a occasion how much your outgoings add up to each month. Then think the fact that you could have to turn to savings for several months as jobs are sometimes hard to find. Would they last for this duration? other common idea when inspecting how you would conduct is being able to claim benefits from the State. State benefits could be applied for but you could find you would be ineligible to claim. Even if a claim was potential often the revenue supplied by the State is far less than your own income. This could still leave you with a struggle on your hands each month as it might not spread out too far.

Unemployment safety guarnatee used to fall back onto could alleviate a great deal of stress and worry at least about financial matters. Providing you had pre-checked the terms of the policy you would know that at least for the term of the cover you would have the sum of money you insured coming in each month. There would be no guessing as to how much you might receive each month. You would know you would not have to juggle bills colse to each month simply to get through. You would also not have to fall behind on payments with the hope that you could catch up in the future. You would just be able to integrate on finding around, applying for interviews and attending them with the hope of securing a job.

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2009 Home Foreclosure Outlook

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As the retreat continues, home sales are down, unemployment is up, and the silver lining has yet to communicate itself. Across the nation foreclosures are on the rise. According to RealtyTrac there are 1,708,581 foreclosed homes currently on the market and that whole is startling to approximately double by the end of 2009. There are several factors driving this phenomenon. For starters, banks and subprime loans played a big role and as the unemployment rate continues to rise so do the defaults on home loans. Currently the unemployment rate is at 7.5% and will likely growth an additional one one percent by years end. In addition, many of the states with high foreclosure rates are also areas where the Fbi has identified high rates of mortgage fraud.

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How is 2009 Home Foreclosure Outlook

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The western states such as California, Oregon, Arizona, Nevada, and Idaho are all experiencing large whole of foreclosures. Nevada being hit the hardest with 1 out of every 76 homes being a foreclosed property. California takes second place with 1 out of every 173 homes, According to RealtyTrac.

States in the Great Lakes or north central region of the Us such as Illinois, Michigan, Ohio, and Indiana are also looking high rates of foreclosures. Illinois foremost with over 14,000 foreclosed properties, 1 out of every 363 homes, According to RealtyTrac.

The southeast tip of the nation, Florida and Georgia has highly high rates of foreclosures also.

With approximately 2 million foreclosed homes on the market there is a exact question and the real estate market is not looking like it will improve for several months and maybe not until mid 2010. According to the Nar there is approximately a 10 month contribute of homes on the market and unless the cheaper takes a turn for the better that whole will likely increase.

In desperate times such as these it is foremost to watch for scam artists looking for their next victim. According to the Fbi foreclosure and mortgage fraud is on the rise. Desperate homeowners are trying to save their homes buy turning to what they believe are legitimate agencies willing and able to help them, only to find out later that they have been scammed and are in deeper than before.

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Legitimate Work From Home Opportunities: considerable Steps, Find the Right Work-At-Home Opportunities

Legitimate work from home opportunities are gaining popularity because of the high unemployment rate. They are naturally the answer to the ongoing global crisis. If you are one of those individuals who have been fired from your full-time job, then you can find work opportunities at home. These opportunities are also ideal for whatever who wants to start his/her own online business. Home jobs are best than the traditional ones as they offer you free time to be your own boss. That means, you do not have to deal with a very demanding boss or an annoying co-worker. But how are you going to find employment opportunities right at the relieve of your home?

Finding the right business that offer legitimate work from home opportunities

Browse online. As soon as you type in "work from home jobs" using your favorite quest engine, you will be bombarded with many clubs that offer such jobs.

Check their credentials. You should not jump into the first chance you stumble upon. Instead, you have to check the reputation of the website that offers such job. Avoid sites that offer get-rich-quick project as they are not legitimate.

Apply for that job. After you have checked the veracity of the job advertisement you are interested, you can now start applying for that job. Most of the time, legitimate work from home opportunities do not require their employees to submit resumes. They naturally ask them to take online test and undergo online interview.

What to avoid when finding for these opportunities?

Do not sign up with fly-by-night operators. These operators normally ask their applicants a nominal fee to help them get started. If they do ask you for a fee so you can grab work opportunities, you should leave and find an additional one site.

Do not apply for a job from a website that asks for your reputation card data and other financial information. Some of these websites that require financial data may use your personal details to commit identity theft. So be aware.

What are some of the legitimate work from home opportunities you can apply for?

Customer reserve and sales. This chance requires a quiet environment, a computer and a dependable Internet connection.

Writing. There are many portals that you can apply for if you want to work as a freelance writer over the Internet. Or if you do love writing, you can start a blog and earn passive earnings straight through that blog.

Graphic artist. This is a very favorite online job that offers decent income. But before you can apply for it, you need to be an scholar in this field.

When finding for legitimate work from home opportunities, you need to carry out acceptable explore before applying.

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Thursday, August 30, 2012

How To Get A Job Fast

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In today's unpredictable economy, the idea of job protection with any enterprise would seem to be a thing of the past. Large enterprise layoffs, golden handshakes, mergers, leveraged buyouts, enterprise acquisitions and similar enterprise moves have left citizen of all ages out of a job they need to live.
While there may be some payment upon being let go from the firm you work for, this money won't last forever. Or, if eligible for unemployment benefits, this also has a finite period of time attached to the check. Sooner or later, job hunting will be necessary.
But it's not only individuals who have been turned out of jobs that this booklet can help. How happy are you in the enterprise you're in? Do you long to do something else with your career? If so, you're not alone. You have plentifulness of enterprise in wanting to turn one's goals and focus in life.
Perhaps you've just turned 40 and realize that you're into the second half of a working occupation you've never certainly liked. Studies have shown that working in a job because you have to, not because you like it, can have some supervene on an individual's life span. Why take years off your life when you don't have to?
The question for most citizen in these situations is that they're not sure where to start. They've either been tossed into this situation unexpectedly and are trying to make decisions on the run or they know that they at least have a paycheck, so they postpone mental about trying to focus in on a job hunt for something they truly like to do.
Well, cheer up! This booklet will help you re-focus, recognize the skills you have, narrow down the type of work you like to do and give you a estimate of outlets to get facts from in prospects of landing that job that will take you through contentedly into your seclusion years. The best news is that this doesn't have to be a long, drawn out process. You can label your transferable skills and get helpful data within a few days! It's not a year or two exertion we're talking about.
The incommunicable is knowing where to look, what to ask and how to narrow down the type of job you'd not only enjoy, but be pretty good at, too! So much of this is comprehension what makes you tick! Who best to recognize this than you? This booklet will give you some pointers in doing it, but it will be up to you to take the time to certainly analyze what it is you like and want to do. Knowing your strengths and weaknesses will give you the power to turn your life!

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How is How To Get A Job Fast

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Identifying Your Skills
What are you good at?
Have you ever understanding about it? In a truly critical, analytical way? Have you certainly sat down and listed your skills and capabilities?
This may seem basic, but it's not. Even if you've attempted to start a list, it is very likely you didn't go far adequate or deep adequate and thus missed a few outlets for your skills that might very well unlock the key to your occupation future.
The following rehearsal can help you truly recognize the skills you currently use (or maybe not use) and this will set the stage to see if they're transferable to another industry.
There are three major categories of skill identification. You deal with people, things and facts everyday. In each category, this requires a skill or combination of several skills. You might not even realize the extent of your ability in an area. You probably know what you're not good at or what you don't like doing, but pinpointing exact skills is not necessarily easy.
People. Let's divide your skills at dealing with citizen into working with individuals and working with groups.
Individuals: In working with individuals singly, are you good at:
* communicating in direct conversation or on the phone? * communicating well by the written word? * helping, serving or receiving and carrying out instructions? * referring people, or helping put two citizen together? * advising, monitoring, coaching or counseling? * teaching, instructing, training or tutoring? * persuading, motivating or selling? * assessing, evaluating or interpreting others? * diagnosing, curative or treating?
Groups: In working with organizations, clubs or associations, are you good at:
* production presentations? * communicating by written word like a newsletter? * public speaking? * leading or moderating a group discussion? * preparation seminars or other educational events? * training large groups? * consulting or giving advice? * leading or taking the lead? * coaching others in recreation or exercise? * performing, acting, singing, amusing or inspiring? * motivating, persuading or selling? * negotiating a village of some kind? * following through, getting things finished, producing? * managing or running a business? * supervising? * initiating or beginning a concept, idea or business?
Think determined about each of these items. acknowledge fairly and honestly. There's no surmise to try and fool anyone. This is not a personality test! You're plainly attempting to frame your likes and dislikes about dealing with individuals, singly or in groups.
Compile your list of exact yes and no answers and write them down. Keep them handy for hereafter reference.
Things. There are, essentially, six major categories of working with various things. These things are identified as objects (tools, instruments), tool and machinery or vehicles, materials like cloth, wood and clay, your body, buildings or homes and raising or growing things.
Objects. Do you have exact skills in dealing with food, tools, instruments or the like in:
* handling? * washing? * preparing? * maintaining? * producing? * creating? * repairing? * cleaning? * knowledge? * cooking? * preserving? Equipment. Are you good at working with some type of machinery or vehicle in:
* driving? * controlling? * assembling? * repairing? * cleaning? * disassembling? * maintaining? * operating?
Materials. What is your skill level with items such as clay, jewelry, metal, wood, stone and cloth as far as:
* cutting? * painting? * crafting? * restoring? * weaving? * sewing? * carving? * molding? * shaping? * refinishing? * sculpting?
Your Body. Are you good at using:
* your hands? * motor coordination? * corporeal coordination? * your fingers? * your eyes? * your eyes and hands in coordination? * your strength? * your stamina?
Buildings. Do you have a single affinity and ability for:
* constructing? * remodeling? * decorating? * designing?

Raising or Growing. Are you able to successfully:
* train animals? * treat animals? * garden? * landscape? * raise plants or animals or other vegetable or mineral?
This is the hands-on category. Do you have by hand skills and, if so, what specifically can you do well? More importantly, do you enjoy it? Many citizen have turned hobbies they love into full-time, paying work. List the skills you have as associated with any of these categories. Also list the things you dislike doing, too. seeing that job you love is as much avoidance of things you hate as things you love to do.
Information. The final type in this part of the appraisal process is seeing how good you are and how much you enjoy working with ideas, concepts, information, exact data and technology. There are four categories to concern yourself with. Do you like creating, storing, managing or putting this facts to good use?
Creating. Are you particularly good at:
* gathering facts by observation? * gathering facts through research? * searching for data? * imagining ideas or concepts? * inventing? * sensory feelings? * designing?
Storing. Once you've assembled the facts are you good at:
* storing or filing records in file cabinets, microfiche, audio or video cassette? * bookkeeping? * computer storage? * retrieving the facts once stored? * helping others retrieve the information? * holding track of details? * memorizing? * filming or recording? Managing. You must do something with the data or facts you've assembled and stored. Are you good at:
*analyzing your data? * organizing? * classifying? * planning? * accounting? * writing? * painting? * drawing? * question solving? * evaluating your data? * programming? * prioritizing? * decision-making? * dramatizing? * comparing with other data? Using The Data. Once you've decided to use the information, are you good at:
* disseminating the information? * demonstrating? * putting it to some use? * showing it to individuals or groups? * publishing? * reporting?
At this point, you should total up your positives and negatives (what you don't like or aren't very good at) in this category. You now have three categories and you should integrate the lists of advantages and disadvantages to see what your strong suit(s) are. You may find that you like observing citizen and taking this facts and writing a script and then putting it on video or film. This comes from seriously analyzing each of these categories and seeing a consistency in what you love and what you're good at. Your next step would be to look at more specifics rather than generalities.
Specifics: It's time to look at items you specifically like to work with. The following list should help you check yes or no to a estimate of things. Keep in mind that this is by no means a complete list and you should add your own thoughts to this of items you either like or dislike to make it more complete. Remember, this is your list, your career, your life, so make it as close to what fits you as possible. We're merely giving you suggestions to help your frame of reference.
Office Products: Clothing: - desk - all types of clothes - computer - dyes - switchboard - shoes and boots - word processor - sewing machine - pen or pencils - umbrella, raincoat, poncho - printers - buttons or zippers - software - patterns - office machines - knitting
Household Goods: Material:
- furniture - paper - appliances - stone - dishes - aluminum - laundry - cement - blankets - porcelain - wallpaper - plants - clocks - bricks - pots and pans - wood - burglar/fire alarms - bronze - chimneys - pewter - carpet - cloth - paint - steel - tools - brass - tents - papier-mGchT
Electronic: Financial
- television - calculator - camera - money - stereo - adding machine - videotape recorders - money market accounts - radios - cash register - radar tool - ledgers - movie tool - financial records - tape recorder - stocks - records,Cds,cassettes - futures
Recreation: Communication:
- musical instrument - telephone - games - short-wave radios - gambling - telegraph - board games - answering machines - sporting events - fax machines - kites - printers
Transportation: Medical:
- bicycles - x-ray machines - automobiles - lab testing - trains - treatment - airplanes - prosthetics - hot air balloons - dental tool - boats - anesthetics - subways - vitamins - motorcycles - hearing aids - Rv's - eyeglasses Equipment: Miscellaneous:
- guns - books - gym apparatus - newspapers - fishing rods - videos - lawnmowers - magazines - orchad tools - overhead transparencies - rakes - candles - traps - batteries - axes - lasers - pesticides - engravings - plows - lithographs - harvesters - paintings - threshers - silk-screens - shovel or pick - microscope - tractor - telescope - handtrucks - toys - sander - food - drill - wine or beer production
Your list should be fairly complete. If you've followed your true nature, you should begin to see a pattern; similarities indicating the type of work you were destined to do. If your interest is in film and cameras and filmmaking, that will be clear as you enumerate your likes, dislikes, strengths and weaknesses from these lists. Now you need to refine and focus.

Cutting Down the Territory
Next. Let's look at exact knowledge you might possess. Run through the following list, add to it and list the knowledge you currently have. Second, go through the list again and recognize the knowledge you would like to have. This will give you two current snapshots: what you know now and what you'd like to know in the future. The latter will define your hereafter educational goals. It may be in areas you believe you'd enjoy if only you had a minuscule more education.
No problem. It may be that a minuscule more learning is needed to enlarge into what you truly want to do. There's no surmise you can't take classes in those exact disciplines. There's no surmise you can't work at an entry- level position in that manufactures and learn as you go. Often, a enterprise may pay for your hereafter study if it is in the skill areas of their field. So list the desires as well as your current expertise.
* psychology * chemistry * physics * cinema * foreign language * supervision * personnel recruiting * guarnatee benefits * geography * history * art * broadcasting * accounting * taxes * marketing * sales * computer programming * aerobics * illustrated arts * religion * horticulture * government contracts * politics * teaching * interior make * architecture * vehicle heal * voyage * systems analysis * astronomy * explore * containers and distribution * import/export * merchandising * machine execution * illustrated arts * photography
List all of the fields you like in priority arranged by most knowledge of and likes. List the fields you are interested in and believe you'd like but need more training and education. Keep these lists handy and separate.
Now, it's time to conclude location. Are you tired of where you live? Would you like to live somewhere else? Is this the town you grew up in but have never seen any other place? Have you gone somewhere on vacation and understanding about how great it would be to live there?
Part of cutting down the territory and focusing your job hunt efforts is to take the area you'd like to practice your skills and talent and apply them to a wage paying job. There's not much enlarge made if you find work you like but you still dislike all else about your living situation. seeing a good job also means seeing it in the location you like best.
So, get out to the library and consult a integrate of publications like Places Rated Almanac and recognize your top five places to live. Narrow down an area and then exact towns. Then, find out the estimate for the local room of manufactures and see how you can get more facts about not only the place itself but the businesses settled in the area that are in the field(s) you've narrowed down for yourself. These local chambers are glad to send out facts and would be equally happy to see you move in and become a member of the community. There are lots of titanic places to live in this country. Take advantage of it!
You say you're interested in Arizona? Where? Phoenix? Tucson? Kingman? Bullhead City? Pick an area and start to get information. If it's possible to visit, by all means get out and see it.
Now you have areas and locations and lists of businesses in those areas. Now's the time to narrow it down. take the top two areas and hone in on seeing work.
Update your resume. There are dozens of books out there on this subject. Craft it the way the experts suggest. Do it by skills if that tells more about you than where you've certainly worked. Find out about local study programs in the areas of your selection in the event you need further study in the areas you want to do more with. Don't move in any place that doesn't have jobs in the areas you like and are good at or intend to enhance your skills.
Finally, begin to make contacts with personnel. Find out if there are local job hot-lines and other employment identification features. certainly make sense with exact businesses that you've already identified as possibilities.
As you start to get your facts with which to narrow down the territory in terms of location, skills and interest, there are a estimate of resources you can tap, the majority of which are either free or have a nominal cost to get the facts that can help you conclude your future.

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The cheaper Is Not The Stock market

Several days ago, the industry agency reported that May's facility orders had increased by a 2.9 percent. This was well covered by 'the press', as it was to be a clear influence on 'the market' (yes, the quotes are intentional.....you'll see why). The enthusiasm was understandable - the 4 billion in orders of artificial goods is the top level seen since the current calculation formula was adopted. Although being skeptical can be wise, the outline was (and is) a clue that the economy is on a solid footing. However, too many times there's a disconnect in the middle of what 'should' be the follow of a piece of economic data, and what actually occurs. The economy isn't the market. Investors can't buy shares in facility orders......they can only buy (or sell) stocks. Regardless of how strong or weak the economy is, one only makes money by buying low and selling high. So with that, we put together a study of some of the economic indicators that are treated as if they influence stocks, but actually may not.

Gross Domestic Product

The chart below plots a monthly S&P 500 against a quarterly Gross Domestic product growth figure. Keep in mind that we're comparing apples to oranges, at least to a small degree. The S&P index should ordinarily go higher, while the Gdp division growth rate should stay somewhere in in the middle of 0 and 5 percent. In other words, the two won't move in tandem. What we're trying to interpret is the association in the middle of good and bad economic data, and the stock market.

Take a look at the chart first, then read our thoughts immediately below that. By the way, the raw Gdp figures are represented by the thin blue line. It's a petite erratic, so to flat it out, we've applied a 4 duration (one year) involving average of the quarterly Gdp outline - that's the red line.

S&P 500 (monthly) versus Gross Domestic product convert (quarterly) [http://www.bluegrassportfolio.com/images/070705spvsgdp.gif]

Generally speaking, the Gdp outline was a pretty lousy tool, if you were using it to forecast stock shop growth. In area 1, we see a major economic contraction in the early 90's. We saw the S&P 500 pull back by about 50 points while that period, although the dip actually occurred before the Gdp news was released. Interestingly, that 'horrible' Gdp outline led to a full shop recovery, and then another 50 point rally before the uptrend was even tested. In area 2, a Gdp that topped 6 percent in late 1999/early 2000 was going to usher in the new era of stock gains, right? Wrong! Stocks got crushed a few days later....and kept getting crushed for more than a year. In area 3, the fallout from the bear shop meant a negative growth rate by the end of 2001. That could persist for years, right? Wrong again. The shop hit a lowest just after that, and we're well off the lows that occurred in the shadow of that economic contraction.

The point is, just because the media says something doesn't make it true. It might matter for a few minutes, which is great for short-term trades. But it would be inaccurate to say that it even matters in terms of days, and it actually can't matter for long-term charts. If anything, the Gdp outline could be used as a contrarian indicator.....at least when it hits its extremes. This is why more and more folks are abandoning traditional logic when it comes to their portfolios. Paying attention solely to charts is not without its flaws, but technical diagnosis would have gotten you out of the shop in early 2000, and back into the shop in 2003. The ultimate economic indicator (Gdp) would have been well behind the shop trend in most cases.

Unemployment

Let's look at another well covered economic indicator......unemployment. This data is released monthly, instead of quarterly. But like the Gdp data, it's a division that will fluctuate (between 3 and 8). Again, we're not going to look for the shop to mirror the unemployment figure. We just want to see if there's a correlation in the middle of employment and the stock market. Like above, the S&P 500 appears above, while the unemployment rate is in blue. Take a look, then read below for our thoughts here.

S&P 500 (monthly) versus Unemployment rate (monthly) [http://www.bluegrassportfolio.com/images/070705spvsunemp.gif]

See anyone familiar? Employment was at it strongest in area 2, right before stocks nose-dived. Employment was at its recent worst in area 3, right as the shop ended the bear market. I highlighted a high and low unemployment range in area 1, only because neither seemed to influence the shop while that period. Like the Gdp figure, unemployment data is approximately better grand to be a contrarian indicator. There is one thing worth mentioning, though, that is clear with this chart. While the unemployment rates at the 'extreme' ends of spectrum was often a sign of a reversals, there is a nice correlation in the middle of the direction of the unemployment line and the direction of the market. The two typically move in opposite directions, regardless of what the current unemployment level is. In that sense, logic has at least a small role.

Bottom Line

Maybe you're wondering why all the chatter about economic data in the first place. The talk is, plainly to feature the reality that the economy isn't the market. Too many investors assume there's a clear cause-and-effect association in the middle of one and the other. There's a relationship, but it's ordinarily not the one that seems most reasonable. Hopefully the graphs above have helped make that point. That's why we focus so much on charts, and are increasingly hesitant to concentrate economic data in the traditional way. Just something to think about the next time you’re tempted to talk to economic news.

my response The cheaper Is Not The Stock market my response

Saturday, August 4, 2012

Who is Watching the Regulators?

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I have been doing a lot of explore on regulatory bodies, including the Ftc. Recently in the Ftc's record on franchising 432-pages I noticed a some discrepancies, which were contrary to my personal knowledge and observation of the agency; specifically the franchising division.

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If the Ftc is watching American Business, then who is watching the Ftc? Some could say inexpressive sector attorneys and you can always fight the Ftc, but even giants like Microsoft end up settling out of court, due to the cost of litigation these days. The Ftc can take away a million or even a billion dollars of hard earned brand name value by grandstanding in the mass media and filing a case. What a unblemished sham? It costs too much to prove you are not guilty of violating something in the myriad of over regulation? Wow, is this the best the United States of America, the most nation in the world can do? Is this the best that the Federal Trade Commission, the darling of the Justice department can do? Are you kidding me, that is it? That's all you got? You could not be first picked on a third grade recess basketball team. Filing bogus cases and grandstanding to prove that you are doing your job and get next years budget? Why?

So you can employ more population in the Beltway? The unemployment rates there are so low you cannot even get a legal population to come mow your lawn in Woodbridge, Va or Bethesda, Md. They even had to import the Dc Sniper from the other Washington, Washington State because all the locals are too busy working to go nearby shooting people, well unless you are a Us Marshall with road rage you open fire on a Us Navy Sailor in the middle of traffic. Does the government see what is happening here? That their law promulgation officers cannot be trusted? The Fbi sting just caught four congressmen. an additional one sting at the Arizona Border caught local police and border patrol taking bribes to look the other way while illegal drug shipments. The problems are not in the inexpressive sector, but since the Ftc likes to point fingers, it is time we point back.

Can the Federal Trade Commission admit their faults so we can all move send for the betterment of country? For the betterment of franchising, the best company model ever created? The Federal Trade Commission's law promulgation experience, if you precisely wish to call it that in this report, is an embarrassment to the other law promulgation agencies. Does the Federal Trade Commission have any honest law promulgation experience? If so one has to wonder.

Obviously there are some pretty unethical, unstable and questionable population working in many agencies in Dc. Like the Fbi agent who lied to get a conviction at the Martha Stewart trial. The Fbi agent who gave facts to China through a sex slave, extra marital affair, girlfriend spy. How about those 13 Lapd cops who were robbing banks because they had to feed their six kids? Remember recently the hiring of the foreigner to the Nj state homeland protection committee in trade for gay sex acts? And of course the Abu Grave prison sex scandal? We are always reading about Border Patrol agents like the one caught as a part of a 15-ton drug shipment, working with a trucking company?

How about the most recent telling quote of Elliot Spitzer saying he is going to drive a stake through the heart of businessman he has a personal vendetta against. (Source Wsj). We know that no department is perfect, as they are made of imperfect people, but why must the Federal Trade Commission corollary suit, in such unethical practice?

We need to clean up government and eliminate the fraud, there is no fraud in franchising, The Federal Trade Commission needs to look in the mirror. I cannot allow the phrase "law promulgation experience" to be used in that report, without comment, that is a clear misrepresentation of an department which has already admitted that their purpose is to watch trends in industries and if needed file court cases to get fees. Well if that is the method of the Federal Trade Commission then it does not need a franchising department and all the rules on the books need to be gone through and most of them eliminated. We need to cut the franchising regulation and receive new vigor and renaissance in Franchising, not stifling and more minutia.

You see law promulgation perceive means nothing when you abuse the power of the law. When you manipulate data to justify your job or to help competitors in the shop place which are inferior, cannot compete fairly or just lack the human capital with any real intellectual capacity to do company at the speed of thought. Promoting infirmity in markets is unhealthy and to do so as part of law promulgation actions using methods of abuses of power is not what I think law promulgation experience, it would better described as perceive for the Gambino house or Osama Bin Laden who charge free time and free enterprise.

We need to downsize these agencies. Apparently the Ftc in our case has joined the ranks of those other agencies in their un-ethicalness. How many fellowships have they ruined and attacked? How many jobs have been lost? How much occasion has been missed? How many freedoms squandered? My thoughts are if population in these agencies have that much time on their hands to surf gay porn on the internet (yes there was an record of this at the Ftc in the Washington Post) and charge growing franchising fellowships like ours; http://www.CarWashGuys.com . Then obviously they cannot allot the time to real issues, which are parasites on our society, such as the Identity Theft, AdWare, Phising, SpyWare and Spam.

I sit here as a fan of the Ftc in their endeavors to fight fraud, crime, computer issues, but as a critic to their attacks on franchising and specifically the company I have been building since age 12. There can be no excuse for these attacks, we will press on, but we can never back down to the misrepresentation and illegitimate grandstanding at the Ftc, it must stop and it must stop now.

"Law promulgation experience" does not comprise attacking innocent fellowships and individuals who are dutifully exercising their right to free contract. Attacking such individuals and fellowships for reasons other than that which the law provides is abuse of power and therefore criminal activity. This destroys the integrity of such an department and it slaps in the face of the fancy for forming the Federal Trade Commission in the first place. It additionally undermines the whole mission of the Justice Department, which already has a black eye in the minds of the population over the arresting of 9-11 and the patriot act, which followed. If an department cannot fulfill it's promise it need not bother to exist, for it is a plague on civilization and a unblemished waste of tax payers money.

My hint is that the words and phrase "law promulgation experience" be stricken from the franchise record and does not re-appear until which time the Federal Trade Commission has admitted it's failures, apologized and learns what law promulgation perceive is.

The Federal Trade Commission has made some huge errors. Should we in fact allow them to continue to referee the franchising industry, which is so important to jobs and economic vitality in this country. Can we trust an agency, which misrepresents their experience, in this case, "law promulgation experience" to moderate and regulate franchising? It appears that in this regard the Federal Trade Commission's buyer protection Division's Franchise Rule Group may in fact be unfit to lead. The truth must be heard, there is a legal and moral obligation. If we are going to continue to regulate franchising, we must down size the regs to fit the level of oversight needed, to allow franchising to flourish. Think about it. A patriot and a gentleman always and forever,

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Back to School - guidance For College Students and Parents

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Be realistic about pupil loans: Students are emerging from college mired in debt that cripples their capability to pay bills once they graduate. pupil loan debt, if not prepared for carefully, can limit a graduate's capability to accept their dream job if it is accompanied by a low salary. Parents and students should sit down at the starting of college and do study into future revenue in the student's ideal job field. (Sites like Payscale can help with this.) Some experts propose that your Total pupil loan debt should not exceed what your pupil can expect to make in their first year out of school. However, be sure to take unpaid internships, low starting salaries, volunteer experiences, and possible unemployment into list when planning this far ahead. Remember, starting 6 months after graduation, the pupil loan bills begin to arrive.

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Many students and their families are shying away from applying for pupil loans because of the recession and news stories reporting banks are cutting their loan programs. However, federal funding for pupil loans has increased in recent years. Federal aid does wish the Fafsa form, which can be time intelligent and complicated to fill out, but the few further hours can pay off substantially in the future.

Share the burden: Parents, involve your students in the loan application process. Have them fill out all the Fafsa forms, shop for loans, compare rates and work on the applications. Students are responsible for repaying these loans, so be sure they are on board from the start. As college professors would say, use this process as a teaching moment- nothing comes for free. Age 18 is a great time to start wrestling with federal tax documents.

Use prestige cards with caution: College students often fall victim to the siren call of "free money" of prestige cards. Legislation passed by the Obama administration will limit some of the predatory techniques used by prestige associates to target naïve college students. These regulations preclude prestige card associates from sending pre-approved cards to students who have not requested them, and preclude the distribution of "tangible items" like sweatshirts in replacement for signing up for a card on or near college campuses. It also requires students under the age of 21 to have a parent or adult co-sign for a card, or to prove they have independent means of paying for that card. Using cards to build prestige gives students a jump on other prestige customers, so long as they are construction Good credit.

Set boundaries: Regulations will help safe students from prestige card companies, but no law can safe a pupil from their own irresponsible behavior or poor choices. Students and parents should sit down at the start of college and discuss the permissible use of a prestige card. Parents often want students to have a prestige card ready to them "in case of emergency," but it is up to parents to hold the line on what consists of an "emergency." The time to have this conversation is before the first maxed out bill arrives and arguments about the necessity of football tickets take on epic proportions.

Some families originate a 4-year payment plan that involves your student. For example, freshmen year, parents agree to pay for all expenses, which allows a pupil to rule in, adjust to college life, and find the best on-campus jobs. When sophomore year arrives, students begin to shoulder a small portion of their expenses, like books, or food costs. By the time the pupil reaches senior year, they will have a more realistic idea of what it takes to administrate a budget and make ends meet.

The best time to learn: College is the best time for students to learn to deal with their own expenses. Some parents sit down with students and invent a budget for the upcoming year, pledging to cover that number of expenses and no more. Others may give their students a semester reduction and expect the child to budget or cover any further expenses. These students are often much more budget known and prepared to deal with their own financial needs upon graduation than students given a blank check.

While every parent hopes to safe their child from the hard lessons of life, college can also act as a testing ground. If a pupil runs up the prestige card bill on Dvds and expensive clothes, make it clear you expect them to pay it off on their own. Small stumbles at the age of 18 will be a mere blip on a student's fledgling prestige report. A puny tough love at this stage of life can help students learn responsible behavior before bad habits destroy their prestige health.

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The Drug War

#1. The Drug War

The Drug War

"It's easier for children to get marijuana than alcohol. Why? Because alcohol is controlled by the government, and marijuana is controlled by illegal drug dealers who don't ask for Id. We've got this huge, tremendous bureaucracy to fight the War on Drugs - to keep drugs away from our children - and it is truly having the opposite effect." said Jim Gray, retired Republican-appointed judge from conservative Orange County (Dickinson).

The Drug War

Since Richard Nixon started the "War on Drugs" in 1971, there's been much procedure consider on how to handle drug punishment, treatment, prevention, decriminlization (which allows just for fines to be imposed), and legalization. While harsher penalties were invoked over the years, so was government spending of incarceration of these individuals, with no decrease in drug usage through the habitancy (regarding every illicit drug) over the past forty years.

The United States is now best known as the world's largest shop for drugs despite their prohibition-based drug control policy. Much of the cocaine and heroin that flows through the United States comes from foreign sources, but amphetamines along with Lsd and Ecstasy is produced in the United States, and while some seem to think the nations "marijuana problem" is due to the cartels in Mexico, at least a third of it that's consumed is grown within the United States. With crackdowns on foreign suppliers through the years, U.S. Output soared. Specifically speaking of marijuana, California and Hawaii took benefit of the foreign drug procedure and produced many farms. Once their operations were forced to be taken down, growers just began appealing Output to scattered areas and indoors.

As a cash crop, marijuana has a greater value to farmers than tobacco, what, or cotton, in many states being the largest revenue-producing crop. Only corn, soybeans, and hay rank as more profitable cash crops as marijuana growers get an estimated .1 billion with the wholesale market. appealing from the wholesale level, drug dealing is one of the very few kinds of well-paid employment available with the young in poor urban areas. Whats less well reported is that most of the nations drug Output is among the nations poorest areas. through parts of Kentucky, Tennessee, and West Virginia, marijuana has "become a tremendous component of the local economy, surpassing even tobacco as the largest cast crop" says U.S. Officials because "in this tri-state area financial improvement is limited, poverty is rampant, and jobs are few." This can be shown through the unemployment rate through the area, as rates are commonly 2-6% percent higher than either California or the United States (Profile).

If drug reform is truly needed, how far do we need to go with it? While illicit drugs have been tossed into consider in the past (such as Mdma) the marijuana issue has been the one drug that the nation has been (recently) pushing for procedure reform. The consider no longer revolves around the harms of marijuana, as it has in the past. Stephen Kisely cites that cannabis produces "acute effects contain accidents with motor vehicles or machinery, and adverse reactions. In the longer-term, cannabis has been associated with cognitive impairment and psychosis, although not consistently, and direct causality is more difficult to make than for acute effects." The Runciman Report, which is commissioned by the Police Federation in the United Kingdom, complete that both alcohol and tobacco were more harmful than cannabis, yet there has been no push for controlling those uses.

One consulation many opponents bring up for the justification of prohibition of marijuana has been the growth in potency through the years and the idea of it being a "gateway drug". Studies through the years (such as one held at The Science and Technology Committee of the United Kingdom House of Commons) have found no evidence to keep this theory, even noting that most marijuana users never move on to more harmful drugs. Alcohol and Tobacco was even noted as having stronger evidence to being gateway drugs by the Tstc. About the potency issue, this would probably be due to the drug's illegal status. As bootleggers would growth the potency and whole of alcohol in their beer and "spirits" while the prohibition of alcohol, much can be said of marijuana's growing and selling in today's age.

So what options are on the table for dealing with this issue of the "War on Drugs" (which was uncoined by the new drug czar) and specifically dealing with marijuana prohibition. Health study has pretty much proved to be a dud, as the past forty years a whole of commercials, ads, and general announcements have been made of the dangers of drugs. through all this usage has just prolonged to rise. through a comparison study of the United States, Australia, Canada, and 3 European countries showed that marijuana consumption isn't affected by expenditure on law enforcement. With so much being invested on incarceration of marijuana users, money is essentially being taken away for treatment, research, and prevention for users. While punishment may seem like the easiest method, economically speaking it leaves a big dent in government expenditures for help programs.

Looking abroad towards the Netherlands, where marijuana was decriminalized 25 years ago, usage is well below the United States. Liberalization of the law on marijuana in the Uk led to a allowance in arrests for cannabis proprietary by one-third the next year, recovery 199,000 police hours without any growth in cannabis use. Group procedure seems to have petite influence on consumption at all actually. Liberal countries have low usage rates while countries with prohibition had high usage rates (Kisely).

The cost of this "war" goes beyond financial aspects. Careers are ruined and incomes are lost. Imprisoning what would be otherwise law-abiding citizens for marijuana use can criminalize and have harsh consequences, financially and mentally. With many being around the poverty level, criminal penalties can be very difficult to deal with.

Tobacco smoking is falling in high-income countries. Using Canada as an example, anti-smoking strategies have concentrated on examine rather than supply, interventions favoured for marijuana users, tax increases, Health education, restriction on smoking in work and Group places, advertising bans, and good passage to treatment. Yet when the provide initiative is directed towards tobacco, limiting Output has had petite success, and prohibition of tobacco isn't even an option.

The best approaches that can be taken with marijuana should be similar to those for tobacco and alcohol. If it was decriminalized money could be used to target study and treatment, while if it was legalized legislation should tighten around operating vehicles or machinery, such as is done with alcohol. Where these options could lead could be like the coffee-shop models that originate earnings in the Netherlands, or home cultivation of small quantities. Undoubtedbly more study is needed About the issue, but it can be assessed that a turn is truly needed (Kisely).

The beginning of the Obama era has seen a rapid turn toward rationality. With the supervision no longer raiding healing marijuana clinics in California (as much was done with the Bush administration) the new appointed drug czar Gil Kerlikowske declared in May that he had "ended the War on Drugs." Senator Jim Webb and Gov. Arnold Schwarzenegger have already begun discussing the merits of legalizing and taxing marijuana (as its giving California the much needed boost to its economy). Governor David Paterson of New York has showed the need for turn has he repealed the Rockefeller drug laws (which were passed in 1973 following a surgence of asset crime while the New York heroin epidemic) saying "We put a stop to 35 years of bad policy". These laws changed the issue from Group Health to punishment, mandating sentences for proprietary of small quantities of drugs that rivaled those for second-degree murder: 15 years to life. Under Paterson's new reforms, judges now have leeway to steer repeat offenders towards rehab rather than prison. The state now also uses federal-stimulus money to make a system of drug court and medicine programs. New York authorities believe it will save the state 0 million dollar a year with incarceration costs. "We're replacing incarceration with treatment," says Gov. Paterson (Dickinson).

For Jim Webb (D Virginia) it seems to be an issue of incarceration. "Incarcerated drug offenders have soared 1200 percent since 1980," he says, "yet the illegal-drug industry and the flow of drugs have remained undiminished." For Schwarzenegger it has come to be a accident of cost. With California's economy being as rough as its been the past any years, there's a bill being pushed through California legislature that would legalize and tax cannabis, which would provide more than billion dollars annually. This would help balance the state's budget. For Terry Goddard (attorney general of Arizona) its an issue of violence. With all the death and bloodshed raging through Tijuana and other towns bordering, he believes legalization would deprive Mexican cartels of as much as 65 percent of their illegal income. "Much of the carnage in Mexico is financed because of profits from marijuana," he told reporters in April. In May of this year, a Zogby poll showed that, for the first time ever with all three rationales presented, 52 percent of Americans say they keep decriminaling marijuana (Dickinson).

Many reform advocates cheered at the appointment of Gil Kerlikowske as drug czar. As Seattle police chief, he honored a city law that called for marijuana proprietary to be bottom priority for law enforcement, even permitting partygoers to attend the city's annual "Hempfest" to smoke with impunity.

Kerlikowske has been clear on one thing though: any consulation of legalization of marijuana is off the table. "It's not in the president's schedule under any circumstances." He goes on to say "It's truly not in mine." When asked About his statement of ending the drug war, he explains it's just him referring to the rhetoric, stating that using the term "war" limits his tools to deal with the issue. His plan, he says, is to incorporate cost-effective programs for prevention and medicine of drug abuse to originate a balanced, scientifically rigorous, economically sane advent to reducing American drug consumption and global drug traffic.

While it truly seems some turn is taking place, seeing at the president's funds for 2010 reveals that he more than doubles funding for drug courts that divert nonviolent offenders from prison into treatment, and provides million to treat drug addicted offenders who have returned to their communities. Put together though this inventory for one half of one percent of Ondcp's Billion budget.

Obama's current drug control funds looks like the old Bush budget. It seems that cuts score a bigger boost in funding than medicine does, but educational funding and outreach programs designed to prevent drug usage truly decreases. An example of this can be seen through his campaign promise of allowing federal funding for needle-exchange programs to prevent Hiv transmission among heroin addicts, which his funds continues to bar.

What is appealing to note though is whom the drug czar reports too. Under the Bush administration, he reported right to the President. Under the Obama supervision though, he reports right to Joe Biden. As a top Democrat on the Senate Judiciary Committee in the 1980s, Biden helped pass laws requiring "mandatory minimum" prison sentences for drug crimes, along with wide margin of sentencing for crimes dealing with crack and powdered cocaine. Possessing 5 grams of crack, at a road value of 0, would get a minimum sentence of five years, the same penalty that applies to anyone with a half-kilo of powdered cocaine valued at ,000 (Dickinson).

While there are many things going for and against the decriminalization or legalization of marijuana, it has come to be apparent to the nation that turn is needed. Governor Schwarzenegger continues to encourage active consider on the proposal, calling for a major study to recognize all benefits of legalization. He conceded that the issue will likely be decided at the ballot box. With the enlarge of rational thought that our nation seems to be heading for that might just be the push the supervision needs to get more study involved and find a explication to the issue.

Works Cited

1. Kisely, S.. "The Case for procedure Reform in Cannabis Control. " Canadian Journal of Psychiatry 53.12 (2008): 795-797. Health Module, ProQuest. Web. 14 Nov 2009.

2. Kisely, S.. "Applying the Lessons of Tobacco and Alcohol control to Cannabis. " Canadian Journal of Psychiatry 53.12 (2008): 799-799. Health Module, ProQuest. Web. 14 Nov. 2009.

3. Dickinson, T.. "A Drug War Truce? " Rolling Stone 25 Jun 2009: study Library Core, ProQuest. Web. 14 Nov. 2009.

4. "Profile: United States. " Nacla report on the Americas 36.2 (2002): 17-17. International Module, ProQuest. Web. 14 Nov. 2009

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Laying Off Teachers Today is Very Bad For Tomorrow

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What do these numbers and words have in common?

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• 23,225
• 16,000
• >100,000
• 100
• 17
• 10.4%
• 17.5%
• ,000
• 220 and 65.2%
• Texas Curriculum and the Canceled Prom
• 31,000 miles
• Germany, Canada, France, Japan and Sweden

23,225 and 16,000
On Monday, March 15, 2010, California handed 23,225 teachers "possible" pink slips to collective school teachers, indicating that it's very likely their contracts will not be renewed for the 2010-2011 school year. If that isn't anticipated enough, we can add those numbers to the 16,000 teachers in California already laid off between 2008 and 2009.

>100,000
Statistics are conflicting, but somewhere in excess of 100,000 teachers have been laid off nationwide in the last five years. This is dependent upon either you are reading local publications and adding the numbers yourself or taking the figures published in online newspapers and magazines with a national circulation (New York Times, Wall street Journal, Cnn, etc). If you are relying on the former, the numbers are far greater than what is being reported nationally.

100 and 17
100 school districts in 17 of the 50 states have opted for a 4-day school week. Colorado claims it was to allow children to share in their beloved pastime of skiing. Maybe this is so, but what of the other 5 months a year when there is no snow on the ground? And may I ask a stupid question? Since when is skiing more important than earning an education?

10.4 and 17.5%
The first whole is the division being reported by the group of Labor as representative of those unemployed. However, in reality it is closer to 17.5% given that once extensions are exhausted those still unemployed are no longer counted. Now that we can likely add 23,000 teachers to this number, that 1 in 5 unemployed nationally is rapidly conclusion in on 1 in 4.

,000 Usd
This is the starting wage of an engineer with a Master's Degree in India. No, this is not monthly income, but rather annual.

220 and 65.2%
The first whole represents the whole of Fortune 500 fellowships that are outsourcing jobs to India. It is important to understand the jobs being outsourced are not menial jobs but rather those of engineers, data Systems (a.k.a. It, Is) professionals, etc. When using the expression It or Is, this is not referring to call centers only. This includes fellowships that outsource the high-level engineering, programming and very technical Is positions (such as that which my husband used to hold). These fortune 500 fellowships referred to in the 220 are placed in The Us, United Kingdom, Germany, France, Japan, Netherlands, South Korea, Switzerland, Canada and Sweden and catalogue for 65.2% of the global economy.

Texas Curriculum and The Canceled Prom
The Texas School board, comprised not of teachers, but lawyers, publishers of text books and religious leaders in the community, succeeded in removing any mention of Thomas Jefferson, the Mexicans and Indians that lost their lives, alongside Davy Crocket and Jim Bowie in the Alamo, atmosphere change, evolution and replacing these with John Calvin, Davy Crocket and Jim Bowie acting alone, entertaining fabricate and the 2nd amendment of the Constitution. These textbooks are distributed not only in Texas but Arizona, Louisiana, New Mexico and Oklahoma.

While Texas and numerous other school districts in the Us are concerned with ensuring Judeo-Christian ideals are taught over evolution and about either it sends the wrong message to allow an 18-year old high school senior, about to enter college to allow her girlfriend to attend the high school prom, China and India are passing the Us like the tortoise and the hare.

31,000 and Germany, Canada, France, Japan and Sweden
China is currently construction the most broad high-speed railway principles in the world. Upon completion, it is anticipated to run along 31,000 miles of track, serving the whole country, along with the outlining provinces. Engineers from Germany, Canada, France, Japan and Sweden were handpicked to serve on the fabricate team. Their trains run in excess of speeds of 300 mph and are the fastest in the world. Countries with high-speed rail include:

• Belgium
• France
• Germany
• Japan
• South Korea
• Spain
• Taiwan
• The United Kingdom
• Sweden

If whatever were to look at the antiquated Amtrak system, which at its fastest runs 150 mph, they need not inquire why the engineers sought to assist with the fabricate of China's high-speed railway principles were from Canada, Germany, France, Japan and Sweden.

There was a time that American Engineers were the ones whose expertise was sought by other countries. This is no longer the case.

While the United States continues to moot either atmosphere change is happening, other countries such as China and India are seeing at using clean coal in their power plants because they know that gas turbine power plants are more destructive to the planet.

Perhaps we could look to our future to yield more experts in the field of Engineering or other highly-technical fields but with fewer teachers teaching only four days a week, a curriculum based not on science and history but on religious doctrine, there seems little hope of this.

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Fired From A Job - 3 Things You Must Do Next

Millions of Americans hold jobs and accumulate weekly paychecks. Unfortunately, some factors can disrupt this ideal arrangement. Looking that your employment has been closed or that you have been fired can leave you in a state of shock. It is general to feel that way; however, you have to take inevitable steps if you have ever been fired from your gift job.

It is very important that you take action immediately after you have been fired, especially if you relied upon your paycheck to pay requisite bills, such as mortgage or rent, or to take care of your family. You will scrutinize that most American states do not supply unemployment keep to those who suddenly find themselves out of a job. You will receive state keep only if you are in a desperate position. This means that you have to start hunting for a job immediately.

1. Generate an productive Resume

One of the first steps in the job hunting process is the creation of an productive resume. It is very important to get ready an impressive resume at the earliest possible because you need it when you apply for a job. You might be required to fill out a original application form for a job; however, you still need to submit it with a resume.

Resumes lend an element of professionalism to applications for a job. A good resume has the power to make your application stand apart from the others. If you are not inevitable in your writing skills, arrival pro resume writing services to accumulate an impressive, professional-looking resume.

2. Practice Caution in including Details of the Job You Just Lost

Where applying for jobs and resume writing are concerned, you need to Practice a great deal of caution. some job seekers make the vast blunder of including the details of the enterprise from which they got fired. In the same way, some job seekers make a mistake by omitting to mention details of the employment that was recently terminated. This could sound contradictory and confusing. It might relax you to know that you are not the only one who is confused with this regard.

This is how you can solve the above-mentioned dilemma. While trying to find an write back for the ask of either or not to mention the details of the job you recently lost, you will have to analyse the reasons for which you got fired and also the length of your employment with that company.

Employers are apprehensive about gaps larger than two or three years in an applicant's job history. If your former job, the one you got fired from, lasted longer than two or three years, you had great comprise details of it in your resume. However, you had great Practice extra caution if causes for termination of your gift employment comprise regular absenteeism or illegal activities.

3. Quest for New Job

Now that you have created your resume, begin your Quest for a new job. The process of job hunting is simple. It includes browsing the employment sections of the local newspaper. An added benefit of relying on the local newspaper for job data is that most of the jobs listed are based in your locality. You, therefore, don't have to sort jobs by location.

Besides using the local newspaper for up-to-date job information, you can also try the job portals and websites on the Internet, where you can also explore the fellowships that are currently hiring.

Prepare a Cover Letter

After listing out a whole of jobs that have caught your interest, you will have to get ready a cover letter. Ideally, a cover letter is not written in advance. It has to be personalized and customized agreeing to the enterprise and nature of the job you want to apply for. However, you can Generate a template that will save a lot of future time and effort. While applying for a job, remember that the cover letter has to be personalized.

These are just some of the steps that have to be taken on Looking that you have been fired from your up-to-date job. In case you are short of cash and need revenue at the earliest possible, you are advised to visit the local Temporary Employment Agency, which can sustain you in procuring a short-term job.

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Friday, August 3, 2012

How to File For Bankruptcy in Michigan

Bankruptcy is a word that often conjures up negative images of a hopeless financial future, Although filing for bankruptcy is a humbling experience, it can be a considerable evil that one must come to terms with when faced with crippling debt, a sudden job loss, or a debilitating injury.

With the state of Michigan having the top unemployment rate in the nation, you should know that if you are inspecting filing for bankruptcy, you are not alone.

Now, first things first. In order to be eligible to file, you must have resided in the state of Michigan for a period of more than 6 months. If this applies to you, then you should consider which branch of federal bankruptcy court you will want to pursue, part 7 or part 13.

Chapter 7 or part 13?

It is leading to know the differences in the middle of the two types of bankruptcy before you file. The former part 7 bankruptcy is essentially a liquidation of all your non-exempt assets and property. The appointed bankruptcy trustee will convert your assets to cash, pay off the creditors and let you start off fresh. If you have no assets, this arrival ordinarily forgives most of your debts.

Chapter 13 bankruptcy is called a reorganization. If you still have a job or predictable income, part 13 lets you work out a longer term debt cost program (3 to 5 years) that will allow you to keep your assets and asset while reducing some of your debt obligations. With new changes in the law, it has become more difficult to file part 7 as many population in serious debt are still gainfully employed, so it is best to feel a bankruptcy attorney to help you decide which arrival would be best for you to take.

Once you've considered which branch of bankruptcy you can file for legally, corollary the steps below to be on the right path toward achieving relief from your financial burdens.

Where To File In Michigan

For your convenience, there are two distrincts of bankruptcy court in the state of Michigan, the Eastern District and Western District. Each district also has offices that serve specific counties. For example, if you live in Jackson, Lenawee, Macomb, Monroe, Oakland, St. Clair, Sanilac, Washtenaw, or Wayne country, your Eastern District court address is 211 West Fort street in Detroit. If you live in Genesee, Lapeer, Livingston, or Shiawassee county, you go to 226 West Second street in Flint. Finally, if you live in the upper north east of Michigan, the office you will need to attend is at 111 First street in Bay City. For more facts about hours, rules or to download court forms, check out the official Eastern District Court Website.

The Western District of Michigan has five courtrooms located in Grand Rapids, Kalamazoo, Lansing, Marquette, and Traverse City respectively. For the specific address of the court office in your county, check out the official Western District Court Website. Take note that all the legal forms you will need are also ready online, so be sure to save yourself some driving time by printing and filling these out before going to the courtroom.

Steps Toward Bankruptcy

1. Visit your local bankruptcy court. Make a list of all your assets and liabilities, as well as a program of your current income and expenditures, including those that are revolving like house bills. Be sure to make a full disclosure of all your venture or withdrawal accounts, as well. Not all is legally field to being lost, but you must let the federal government know of any and all sources of wealth or income.

2. Give the court copies of your last few years of tax returns, as well as, a copy of all your bank catalogue statements.

3. Attend a federally approved prestige counseling session. Be sure to preserve the certificate of completion that you will receive from the counsellor, as you cannot file for bankruptcy in Michigan without it.

4. Get all the required bankruptcy forms from the court (or download them from their website) and fill them out very carefully. Take note of any extra instructions that indicate which documents or copies you'll need to put into your bankruptcy petition. Remember, if this part is confusing to you, it may behoove you to employ the services of a Michigan bankruptcy lawyer to handle all the paperwork.

5. Bring your forms to your local U.S. Bankruptcy Court along with your payment. (As of writing, part 7 and part 13 in Michigan cost under 0, respectively). If you do not have the funds to pay the fee, the court may allow you to pay this in installments.

6. When you get observation of your 341 hearing (a meeting of the creditors that you owe money), make definite that you attend it. The creditors may try to object to your filing, but if you have been particular to the court from the starting about your financial circumstances, the court should allow the bankruptcy to proceed.

7. Watch for any other notices from the courthouse that could require your nearnessy at a hearing. You will likely only need to go to the court one more time for your bankruptcy completion, but you never know, so be sure to pay attention to all letters you receive from the court.

Above all, hold you head up high and understand that tens of thousands of population each year need to go straight through this process to get a fresh start. Good luck!

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How Personal amelioration Saved My Life

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Ten years ago I was pregnant with my daughter, working as a receptionist in a center for disabled adults and children and married to an alcoholic. We lived in Phoenix, Arizona, thousands of miles from my family, my friends and all the familiar comforts of my home in North Carolina. That made it easy to know I wanted more out of my life, but how I could make that happen felt impossible. Now, as I find myself far along my journey of personal development, I can reflect upon all I have learned, the citizen and places that affected me along the way, and how I can build upon my past to continue consuming forward.

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Not long after the birth of my daughter, my husband at the time attended a argument about becoming financially independent while working from home. Never before had I seen such excitement in his eyes when he came home that night. He explained how he would work for the company as an independent contractor selling personal improvement tools. Some of the prominent salesmen were averaging ,000 a month recruiting others and selling their products. While we were both enticed by the earnings possibilities, I was also intrigued with the products. I wanted to know more about this personal improvement stuff, and how could it teach me to be prosperous and get everything I want out of life?

It was straight through this company opportunity that I was introduced to Napoleon Hill's Think and Grow Rich. I had never heard of it but everybody said it was a must read, so I dove right in. Reading that book was a pivotal event in my life, changing my pattern of thinking for the better. I truly believe this book is not only for the entrepreneurial minded individual who is complicated in sales and/or coaching, but citizen who want to enhance their lives and be empowered to believe that whatever is possible if you just don't give up!

Life was no less consuming as the months passed. I was raising a baby and struggling to be a good wife to a man who dealt with his demons by tipping the bottle on a nightly basis instead of studying the personal improvement tools that he so aggressively pushed on his prospects. He lacked the desire and the will power to make the needful changes in his life in order to be prosperous and as a result, the company opportunity he so eagerly went after flopped. I mentally returned to Hill's book on a continual basis and knew that something better was in store for me if I just hung in there and believed that I deserved better.

By the time my daughter turned one I knew that my marriage would not last much longer. I could not experience the emotional and psychological abuse and decided to return to North Carolina to be closer to my house for the sustain I knew I would need for what proved to be a difficult and emotionally draining divorce.

Fast forward any years and my husband and I are divorced. Though I was glad to be free of my toxic marriage, I recall being in a state of despair and Googled something like "What can I do with my life?" That particular keyword quest brought me to the website of personal improvement guru Steve Pavlina. Steve, after landing in jail charged with felony grand theft, knew that he had to turn his life or he was going down fast. Thus began his journey of personal development.

While I did not agree with everything that Steve subscribed to, I studied him diligently, reading all of his articles and rebooting my own journey of self-improvement after neglecting it over the years when I needed it the most. That was five years ago and I have come so far since those days. Applying the personal improvement tools I learned helped me get straight through some dark times in my life: dealing with Ptsd after my ex-husband assaulted me in front of our daughter and her sister; trying to come to terms with the fact that he will never change; losing any jobs in a bad economy; being a particular parent and having to pay a mortgage on unemployment with no child support. I could go on, but for brevity's sake I won't.

I don't know where I would be today if I had not stumbled upon Steve's blog. I learned about the Law of Attraction, limiting beliefs, how to find your life purpose and so much more. I used the Law of Attraction to form out exactly what I wanted in a partner and attracted my best friend, who is now my husband. I sometimes wonder how I got so lucky. Then I remember everything I have been straight through in the past decade, and all my work studying personal development. I realize the universe did exactly what it was supposed to: it gave me what I asked for!

I continue to study personal improvement on a daily basis. I love studying new skills and strategies for production my life better. Where I am far from perfect, I also understand that life is about the journey. I want to make the ride as level as possible and grab every moment that I have on this earth with a passion!

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Determining The affect Of Other Regional Markets

--How To Apply For Unemployment of Determining The affect Of Other Regional Markets--

a knockout post Determining The affect Of Other Regional Markets

Real estate in your store area is affected by influences surface of your own region. For example, when I sold real estate in Portland, Oregon, what was happening in terms of inventory, appreciation, and operation in Seattle, Washington had an effect on my own marketplace. The two metropolitan areas are less than 200 miles apart, and one influences the other due to the easy and frequent citizen movement in the middle of the two cities.

Determining The affect Of Other Regional Markets

The largest regional affect for my market, however, was California. There was a massive influx of citizen from California to Oregon, particularly from the bay area of San Francisco and the greater Los Angeles area. These geographic areas drove tens of thousands of citizen into the Portland metro area annually, addition the query for homes and raising values and prices as a result.

The citizen exodus started because the disagreement in price in the middle of the Portland store and the California store triggered the law of cause and effect. The motion of Oregon's lower real estate prices caused California residents to want to move, whether to cash out of costly California properties and apply the profits to good homes at lower prices in Oregon, or to relocate to an area where they could ultimately accomplish first-time home ownership.

To resolve how neighboring regional markets are affecting your store area, study migratory patterns and then research the reasons behind the citizen movements you discover.

Studying citizen migration patterns

To quantify citizen migration trends that affect the buyer and seeder pool in your store area, resolve the answers to these questions:

o Is your marketplace growing in citizen or losing population?

o Are citizen migrating into your area or leaving your area?

o Where are new residents advent from geographically?

o Where are current residents going when they move away?

o At what rate are citizen arriving or leaving your area?

o What are the economic factors that are driving citizen changes (i.e. Jobs, unemployment, business growth) in your marketplace?

If your answers lead you to believe that a citizen boom is pending, prepare yourself and your clients to take benefit of a seller's store and the sure affects of a high demand, low supply store situation.

Conversely, if your answers lead you to believe that a citizen exodus is beginning to take place, you can steer buyer and seeder decisions with that knowledge in mind.

Identifying and capitalizing on store trends

To understand your marketplace and its economic condition, correlate current store operation with correlating statistics from the previous year, using the following questions as your guide:

1. Compare number of sales and total sales volume, both on a year-to-year and on a year-to-date basis. This will help you understand and forecast trends in your marketplace.

o Is the number of sales going up or down?

o Is total sales volume going up or down?

o Is the marketplace ahead of or behind the pace of sales from the previous year?

2. Compare the number of listings taken. The ready account in a marketplace is the supply half of the supply and query equation.

o Is the number of listings up or down? Fewer listings indicate a sellers' market; many listings indicate a buyers' market. Is there more or less competition for buyers than in previous years?

o Is the choice good for buyers than last year at this time?

o Is the account of homes for sale growing or shrinking as compared to this time a year ago?

3. Compare last year's median sale price to this year's median sales price. resolve your market's median sale price by dividing total sales wage by the number of homes no ifs ands or buts sold.

o Is the median sale price going up or down? If a marketplace is salutary and vibrant, the median sale price will be increasing.

o Is your marketplace appreciating or depreciating in value? For instance, if the median sale price has gone from 9,000 to 7,000, your marketplace is appreciating in value. Be aware that the median sale price must be viewed on at least a quarterly basis. A one-month change in this particular statistic a month does not indicate a sustainable trend. This is especially true in small store areas.

o How well is the account of homes aligned with demand? If you have an appreciating marketplace, the account probably is lower than the query for homes. In a flat or depreciation marketplace, the account or supply probably exceeds query at this time.

4. Compare the division of appreciation of median sales price this year versus last year and year to date.

o Is the appreciation division addition or decreasing compared to this time last year?

o Is the marketplace gaining drive in appreciation or losing its power?

To understand your marketplace and its economic condition, create a store trends analysis by comparing current store operation with correlating statistics from the previous year.

By knowing your store and watching regional statistics, you can be prepared and proactive. Using the tactics above, you can by comparison your findings in order to arrive at conclusions that can steer your business in the right direction.

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