Tuesday, July 31, 2007
A security freeze locks, or freezes, access to the consumer credit report and credit score. Without this information, a business will not issue new credit to a thief. When the consumer wants to get new credit, he or she uses a PIN to unlock access to the credit file. These states give consumers this important weapon to prevent identity theft:
• For more information on credit freezes by state visit:consumersunion.org
• alpineaccess.com A call center provider using home-based customer service agents
• intellicare.com A call center company that provides telephone services nationwide
• liveops.com A call center using remote and home-based agents. Requires $30 fee for background check
• workathomeagent.com Get certified to be a "at-home-agent."
• workingsolutions.com - Be a home-based customer service agent.
The whole formation of islands is referred to as the Antilles, divided into the Greater Antilles and the Lesser Antilles. The Greater Antilles is the Caribbean's largest islands: Cuba, Hispaniola (an island shared by the Dominican Republic and Haiti), Jamaica, and Puerto Rico.
The area is divided into the Eastern and Western Caribbean. The Eastern islands are the same as the Lesser Antilles; the Western Caribbean is the Greater Antilles. The Bahamas, technically not part of the Caribbean shares its azure waters and perpetual summer.
Every island has its own Caribbean spirit; their cultures borrow heavily from their founding fathers. French food fills the air of Martinique, St. Martin, St. Barthelemy, and Guadeloupe. Dutch architecture in Aruba, Bonaire, Curaçao, Saba, Saint Maarten, and Saint Eustatius. Spanish atmosphere in the islands of the Dominican Republic and Puerto Rico. Anguilla, the British Virgin Islands, Montserrat, the Cayman Islands and the Turks and Caicos still operate as British dependencies. Former British colonies are the Bahamas, Antigua and Barbuda, Barbados, Dominica, Grenada, St. Kitts and Nevis, St. Lucia, Trinidad and Tobago, and Jamaica.
The impact of deportations on the Caribbean has been so adverse that CARICOM leaders were forced to put it on the front burner when they met with U.S. President George W. Bush, Secretary of State Condoleezza Rice, and congressional leaders, including the Congressional Black Caucus, during last month's Conference on the Caribbean in Washington.
Each year, thousands of convicted felons are returned from the United States, and while the vast majority may have been stripped of their material possessions, for many, their propensity to criminality remains intact.
In an analysis of deportation data for Guyana, Jamaica, and Trinidad and Tobago, a recent CARICOM study found that almost 30,000 criminal offenders had been deported to those islands between 1990 and 2005.
Criminal deportation constitutes a real threat to the security of the region, and to take actions that remain true to this nation’s ideal of enhancing global security by shifting the burden of maintaining security to countries that are least equipped to do so is not wise.
Sunday, July 29, 2007
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Friday, July 27, 2007
The Ponzi scheme named after Italian Charles Ponzi who in the 1900s, migrated to the US and launched a large-scale operation that swindled a lot of Americans. Pyramid scheme require their so-called “investors” to recruit at least two others to become their left and right hand “down lines” so they can earn initial commissions, with corresponding overriding commissions from other subsequent recruits.
Swiss Mutual Fund and FrancSwiss are just two examples of how Internet technology is being used, not only to dupe people but also to commit crimes, and these can often transcend borders because of the Internet. It is important that we bear in mind that the ongoing globalization will not be possible without the Internet. With the commercialization of the Internet, things previously unreachable are now available through our personal computers.
According to the Interpol data FrancSwiss promoter of easy moneymaking scheme conducted business through the Internet and is now in trouble with the law.
Swiss Cash investment utilized the Internet to conduct business the company is managed by Swiss Mutual Fund. Swiss Mutual Fund owns three websites they are SwissMutualFund.biz, SwissCash.net and SwissCash.biz, they too are in trouble with the law. The Internet has essentially made the world a global village.
My question to you, is the Internet a "real" value or a 'huge" liability?
Thursday, July 26, 2007
Here is a little hug for you. To make you smile when you feel blue.
To make you happy if you're sad. To let you know... life ain't so bad!
"Be kinder than necessary, for everyone you meet is fighting some kind of battle."
Wednesday, July 25, 2007
SwissCash, which advertises itself as a mutual fund company, once asked US$10,000 to US$100,000 per investor and promises returns of 25 per cent on investment.
Pacific Wealth in Murrieta had no assets of its own and was essentially a "ponzi scheme" that could be kept afloat only as long as more new investors were persuaded to come aboard. They promised rates of return ranged from about 20 percent to 300 percent. One attorney says as many as 400 people from across Arizona were victimized, along with hundreds more in California, Arkansas, Puerto Rico, Texas, Oregon and Washington. See full story at http://www.azstarnet.com/sn/allheadlines/173005
Often, religion is used to push investment in these deals. Scam artists know the vocabulary to use with Christian people, some investors, including a pastor, said they bought in these investments to raise money for church projects to aid the poor.
Wanting things, whether we get them or not, is something with which we are all extremely familiar. To deal with this problem and root out the covetousness in our hearts, we have to learn to admire without acquire. We have to learn how to say, “I appreciate that. That is great. Good for you.” Without taking it any further.
Tuesday, July 24, 2007
“It really sucks here today. Its very gloom. We lost six people in the newsroom, including a really good page designer and a really good graphic artist...not for performance issues, but because we are eliminating sections. I can't stand the word separated. It would sound more humane if they just said layoffs.
My husband has been laid off twice in the past, and using the word "separation" just adds insult to injury.
I would imagine if you could understand Morse Code, a tap dancer would drive you crazy (Mitch Hedberg)”
In June, employers took 1,219 mass layoff actions, seasonally adjusted, as measured by new filings for unemployment insurance benefits during the month, the U.S. Department of Labor’s Bureau of Labor Statistics reported July 20. Each action involved at least 50 persons from a single establishment; the number of workers involved totaled 127,897, on a seasonally adjusted basis. The number of mass layoff events increased by 37 from the prior month, and the number of associated initial claims rose by 9,483.
You don't have to be laid off to be affected by corporate downsizing. Those who survive a round of job cuts often struggle with increased stress and depression, according to a British study. Steven Reinberg with HealthDay wrote an article summarizing the research.
Here's an excerpt from his story:"Employees who remained in work after downsizing may be at increased risk of being prescribed psychotropic drugs," said lead author Mika Kivimaki, from the Department of Epidemiology and Public Health at University College London.
Kivimaki's team based its findings on data on the use of psychotropic drugs -- including antidepressants, anti-anxiety drugs, and sleeping pills -- in a group of almost 27,000 municipal workers in Finland between 1994 and 2000. Among these workers, about 4,800 worked in units that experienced layof fs but kept their jobs, almost 4,300 lost their jobs, and close to 17,600 did not work in units that were downsized.
Men who lost or left their jobs were most at risk of getting a prescription for a psychotropic drug. Compared with men who worked for units with no layoffs, these men were 64 percent more likely to be given a prescription for one of these drugs, the researchers found.
However, men who kept their jobs after a layoff were also almost 50 percent more likely to be given a prescription for one of the drugs, compared with those who worked for units that were not downsized, Kivimaki's group found.
Women in downsized units were 12 percent more likely to be given a prescription. Sleeping pills were most often prescribed to men, while anti-anxiety drugs were most often prescribed to women, Kivimaki said.
How should we react when we battle anxiety, anger, and sadness? How can we face personal tragedy? Is God there? Un-churched people have problems just like churched people do. The test is not the problems in your life. The test is your faith itself.
Monday, July 23, 2007
Starting Tuesday, New Haven will offer illegal immigrants municipal identification cards that allow access to city services such as libraries and a chance to open bank accounts. Supporters say the cards will improve public safety and give undocumented workers protections now afforded legal residents. Critics contend it will unleash a flood of illegal immigration, straining services and wasting taxpayer money.
Fatima, an illegal immigrant from Mexico, said she is eager to apply for the card. "The ID will help me because it's a way to be in this country and get people to know who you are, especially for people who crossed the border and lost their papers," she said. "I feel safe here in New Haven."
Share your thoughts, concerns and reactions on IMMIGRATION issues.
Just once wouldn't you love for someone to simply show you the evidence for God's existence? No arm-twisting. Other friends who are devout, practicing Christians refused to engage in arguments over faith because they understand that faith is ... faith. You either believe or you do not.
For example, Saint Thomas Aquinas (also Thomas of Aquin, or Aquino. 1225 – 7 March1274) was an Italian Roman Catholic priest in the Order of Preachers, a philosopher and theologian in the scholastic tradition. He tried to argue logically the existence of God. It was his life's work, and it didn't work. It didn't work because this is either something you feel within you, or it is not. Faith is ... faith.
Sunday, July 22, 2007
But I am a regular, scared, insecure, everyday guy whose life had been touched by Jesus. I am a full-time follower of Christ who happened to be a part-time pastor. No make-believe. No posing. No playing games. I am who I am. God called me to be like Christ.
Saturday, July 21, 2007
Finally, it's 2:45pm so I proceeded on to my other job as a security supervisor, not before praying with another parishioner. As a part-time pastor I spend far more work hours off the pulpit than on.
Friday, July 20, 2007
When a hectic schedule is added to the demands of work and family, the results can be a task even to the hardiest person. I work a 40-hour week (evenings) as a security supervisor, sometimes sandwiching Sunday services with a brief nap in between before gong to my secular job. On top of that, I preside over Tuesday night Bible study and Saturday evening seniors’ devotion.
I always have my cell phone in case my congregants need me. It is not easy but it works most of the time. My days are often spent making calls or ministering to parishioners in crisis.
To succeed, yes, you must be an inspiring speaker and love people. But you should also be an inspiring human being–able to motivate people to be their best selves, even in crisis. Surprisingly, what’s required is an unquestioning faith in God.
Thursday, July 19, 2007
All night debate fails to halt war. President George Bush's Republicans have blocked a Democratic plan to withdraw United States combat troops from Iraq by the end of April 2008 to cap a rare round-the-clock US Senate debate. Is the war with Iraq morally justifiable?
I found this at the Our Lutheran Redeemer Church (of Lexington, KY) website, you can read the full article here.The Christian View of War:
Can War Ever be Just? (With Thoughts About the War in Iraq)
By Dr. Richard P. Bucher
It was the great church father Augustine of Hippo who first sought to give some specificity to a definition of a just war. In fact, his position, which he articulated in the early Fifth Century, has long been the Church’s traditional definition of a just war. Augustine held that a just war must have five components. A just war:
(1) Must be waged for self-defense, rather than conquest, plunder, or political oppression;
(2) Must be initiated by the proper authority, i.e., lawful government, rather than an angry mob, etc.
(3) Must be fought with the right intention: peace. It should not be fought to gain land, power, wealth, etc.
(4) Must have a reasonable chance for success.
(5) Must use means proportionate to the goal. If the goal of a war is to liberate an oppressed people, for example, it makes no sense to destroy all their cities in the process, or to bring them under further subjection.
Where does the major religious denomination stand on war with Iraq? Where does your religious denomination stand?
Wednesday, July 18, 2007
But when July 2 rolled around, the State Department announced that it would not be able to offer the visas. The department said "sudden backlog reductions efforts" at CIS, the agency that processes green-card applications, had caused 60,000 green-card numbers to be used up.
On Tuesday the Citizenship and Immigration Services announced that it had reversed an earlier decision and would accept and process the green-card applications of tens of thousands of foreign professionals working legally in the United States. It also extended the application deadline for those seeking green cards, or permanent residency.Will they ever get it right?
Tuesday, July 17, 2007
The following day we went to a car dealership. Even if their ethics are clean, face it—they're pros at selling cars, and you're likely an amateur at buying them. The people at the dealership, nice and smiling though they may be, simply have a different objective in the car transaction than you do. Their goal always is to maximize profit. They all but held my hand at the dealership. And everything was great! We test-drive a few vehicles, but my wife wanted a SUV.
On July 14, 2007, we bought a Dodge Durango fully loaded with bells and whistles. My wife was living large! She loved her Durango. Now today Tuesday, July 17, 2007 I am about to refinance the vehicle at our Credit Union, they are giving us a better interest rate.
Monday, July 16, 2007
I believe that the gift of the Holy Spirit guarantee every hopeful, trusting and limited heart will be received by the Father and restored by the Spirit of Christ. We are assured that we will be given what we need to be secure. This will steady us and give us the freedom to enrich the world.
Sunday, July 15, 2007
Barbados is ahead of many of its neighbors in the progress being made on pension reform. The Cayman Islands has indicated its intention to reform its pension laws, which were only introduced some six years ago. Similarly, a Pensions Act is anticipated for Jamaica. Trinidad and Tobago anticipate pension reforms over coming months. There is even talk of pension regulations in the Bahamas, where no current pension scheme laws exist.
The United Nations estimates that the number of people over 60 will rise to two billion in 2050, from 600 million, with the ''oldest old,'' those 80 or older, increasing to 350 million from 70 million. They also projected that by mid-century; one third of China's population will be retirees.
It's never too late to get a jump on retirement savings, even if your job doesn't provide a plan. Save, save, save. Disciplined saving can be tough when money isn't automatically going into your retirement account before you can get your hands on it.
In the USA people who participate in 401(k) s typically get matching contributions from their employer. The most prevalent arrangement is a match of 50 cents for each dollar the worker contributes of the first 6 percent of salary.
So how do you jump start your retirement-savings effort? I signed up for such an arrangement a little over 10 years ago, and I can tell you that it's nothing short of amazing (the rule of 72) how within a few years even relatively small contributions turn into "real" money, not to mention money I'd probably had spent on meaningless little things if it had been sitting in my checking account.
One final thing you can do to improve your retirement prospects is to keep an eye out for jobs that offers comparable or better pay and benefits plus a 401(k) or pension (or both for that matter). If you can land such a job and keep up as much as possible with the saving program you will really be on the express route to a secure retirement.
Were you born before 1964? What's the one thing you really want to make sure you do in your lifetime? Is your Must-Do Goal to open a restaurant? Pastor a church? Get in touch with a financial expert who can help you make your dream a reality.
Saturday, July 14, 2007
What are the Christians of the world doing for the place of the Birth of our Lord Jesus Christ?
Friday, July 13, 2007
The image of a teenage kids beating up their own mother so that they can steal money from her purse and the scene in which a young woman has sex in exchange for drugs will not quickly fade from memory.
In August 2005, Newsweek called meth an "epidemic" and a "plague" and slapped the headline "America's Most Dangerous Drug" on its cover.
An increasing number of people are coming to the conclusion that this so-called "war on drugs" has been lost and that other options need to be explored.
Is the current drug-control effort a waste of money and lives? Are there any alternative options?
Thursday, July 12, 2007
Wednesday, July 11, 2007
But according to the Encyclopedia of American Religions which 1 lists 1,588 religious denominations, sects, faith groups, organizations, etc. Most are currently operating in North America; a few are defunct but have been recently active. The vast majority of them consider themselves to be Christian. Some of these groups believe that they are the only true Christian church. But how does one find out which denomination really is? Some possibilities:
- Perhaps one of them is the true church.
- Perhaps none of them are. All of the Christian denominations may have strayed so far from Jesus' original intent, that all may be deeply flawed.
- Perhaps many faith groups are different manifestations of the true church - even though their rituals and practices differ.
- Perhaps a historical faith group, now defunct, was the rightful owner of that title. There have been a lot of religious genocides down through the ages, perpetrated by which ever religious group was in power.
- Perhaps Jesus did not intend to found a church at all; in that case, there has never been a true church.
There are many who would argue that the United States does bear some responsibility for the situation in China.
Tuesday, July 10, 2007
- Don’t allow people to participate in the worship band or any other prominent, visible ministry who don’t have excellent attendance and who don’t tithe.
- Befriend the good, consistent supporters and avoid those who aren’t these things. Everyone wants to be in the inner circle.
- Reward those who give with frequent public recognition and praise.
- Teach that giving to the church is what gets God acting on our behalf.
- Always concoct the impression that something great is just about to happen so that the level of anticipation keeps people coming, expecting the special event to happen at anytime. Keep the excitement level high and eliminate the darker realities of human emotions from the service.
- Sow the idea that going to church whenever it is open is the same as being the church.
- Never be afraid to use fear or guilt as a motivator for beneficial results. You must realize that these are the greatest causes for seeing almost immediately the effects you want.
- Blame sin for the reason why people don’t advance in the church. This creates the idea that perfection is what produces promotion.
- Use incentives such as fund-raisers, pledge campaigns, bake-sales, auctions… anything that will fondle money out of people who normally wouldn’t let go of it so easily.
- Brand and market yourself and your church as wealthy, successful and positive, then play the part yourself. This will create the ethos of prosperity and success that attracts money.
Maybe you have some suggestions of your own?
Monday, July 9, 2007
To give you an example of how much money that would be, for example, one of my kids will probably have a baby in the next couple of years. I was thinking I might put away $1,000 as a gift in an index fund. Let’s just assume it earns 10% annualized during the grandchild’s life. Guess how much it would be worth at age 63?
Age 1: $1,000
Age 7: $2,000
Age 14: $4,000
Age 21: $8,000
Age 28: $16,000
Age 35: $32,000
Age 42: $64,000
Age 49: $128,000
Age 56: $256,000
Age 63: $512,000
Basically you can see that my grandchild would be rolling hard thanks to Grandfather Rev.’s $1,000 gift 63 years prior.
And it grows from there–note how fast the money grows towards the end. Yes, this is a simplistic model that assumes a 10% return rate and yes, it leaves out inflation/taxes. But it shows you how much a $1,000 investment can grow with time–even though you didn’t add an extra dollar to it. The critical factors are time, minimizing fees/taxes, and picking sensible, long-term investments. What are you going to do today?
Compound interest is powerful. Compound interest should be one of your financial success tools. Don't let compound interest work against you. Financial experts use the Rule Of 72 to command compound interest and gain financial success. Some financial service providers want you to know the Rule Of 72 so you can make wise decisions to command compound interest and compound your financial success. Other financial service providers use compound interest to enslave you and compound their own financial success. They don't want you to know the compound interest and financial success Rule Of 72.
The Rule Of 72 should be taught in every school. Every young person should understand compound interest and the simple secret to financial success, before they begin earning, investing and spending.
Sunday, July 8, 2007
Albert Einstein is credited with discovering the compound interest rule of 72. Referring to compound interest, Albert Einstein is quoted as saying:"It is the greatest mathematical discovery of all time."
Saturday, July 7, 2007
Download Free Software.
These Excel spreadsheets investigate the effect of annuitizing your retirement portfolio before or after you leave the workforce.
- Download Retire Early's Annuity Shaft Detector(11k zip file (annusft.zip), expands to Microsoft Excel Workbook file (annusft.xls), 33k)
The Retirement Calculator can be downloaded directly in Excel format. This eliminates some of the problems users have had in the past with "zipped" files. You need Excel 95 or a later version of the program to use the spreadsheet.
- Download Retirement Calculator(recalc_2006.xls size = 318,976 bytes)
- Retire Early Diversification Worksheet
Find out how much your "safe" withdrawal rate in retirement declines if you don't diversify. If you hold less than 10 stocks in your portfolio, these results may give you pause.(Filename: rediver.zip (21kb) expands to rediver.xls (56kb)
- Retire Early Annuity Factor Calculator(annu98.zip (12kb) expands to annu98.xls (35kb))
This Excel spreadsheet calculates a penalty-free pre age 59-1/2 IRA withdrawal using the annuity method. Based on the UP-1984 Mortality Table as described in IRS Cumulative Bulletin 89-25, Page 666. (Filename: annu98.zip (12kb) expands to annu98.xls
- The IRA CALCULATOR spreadsheet offers a quick and easy way to calculate how much money you'll pay in income and estate taxes on your IRA. Download Microsoft Excel Version, (63k zip file)Release Date: 03/28/97
Monday, July 2, 2007
Guidelines for Submitting Your Inspirational or Motivational Poems:
Poetry must be motivational or inspirational in nature, it must send a positive message - poems should be no longer than one page - all poetic styles accepted - rhymes, ballads, verses, etc. - sorry, but we do not pay for poems.
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