Wednesday, June 30, 2010

Depression - There is Hope

Depression is a miserable disease to the millions of folks who struggle with it. I know, I have been going through it for the past five years. During this time my life fell apart and then returned to normal. I imagine that many of you have had similar experiences as mine. To get things started, my wife and I had to move to Pennsylvania about six years ago. Moving entailed having to leave our home of twenty years. In Pennsylvania, I started a small church, and my wife worked part time for a nursing agency. Things only went well for a couple of weeks. Then the ceiling caved in. No not an actual ceiling, a series of events that would ultimately leave me emotionally paralyzed.

The first thing that came as a shocker was the fact that I needed emergency bypass surgery. I was only forty-seven years old when I went to the operating room to have my arteries replaced. The surgery went well; but I never really recovered totally from it.

During the second year of my stay in Pennsylvania, we received a call from one of my sons. He had been arrested for allegedly burning down a Hardees restaurant and then robbing it. This son had a gambling problem, and he had occasionally stolen in the past to support it. I thought to myself, "How is this going to look to the members at my new church?" We had to deal with lawyers, police officers and judges. Although my son had evidence that he wasn't at the site at the time of the robbery, he was fifty miles away in West Virginia, the judges failed to consider it, and found him guilty. Now he deals with having to pay back $80,000 in damages to the owner.

Still during our second year in our new home, another one of my sons, the youngest called. He was also in trouble. He had turned into a gambler, also, and was essentially bankrupted. He moved to Pennsylvania and lived with us for a while, eventually getting into trouble with the law for robbing a lumber supply store. He had embezzled a deposit.

During these first two years with everything else going on there were two deaths in the family. My Father in Law died from a staph infection obtained at a Maryland hospital. My wife was crushed. Only a few months later my wife's mom went to the hospital, the same one her husband had gone to. Unexpectedly, she also died of a staph infection. Not only did she die; but she died on Christmas Day.

To make a long story short the next three years consisted of: my wife leaving me after 32 years of marriage; getting remarried and divorced again, my new wife was a drug addict; having my two precious girls taken away permanently by children and youth services because my wife was a drug addict; going through a trial for something I didn't do; my church closed down, I was jobless and had no income for a year; I had a breakdown of sorts and now am permanently disable. Now I take care of my parents who have recently been diagnosed with Alzheimer's and heart disease. Don't take me wrong; I am not complaining. I only mentioned my trials so I might relate to you. I am doing better right now. I no longer spend my days in bed, wishing I could kill myself.

I saw psychiatrists and psychologists along with social workers. Although their intentions were good, they were of little help to me. Then one day I woke up and realized what my problem was; somewhere in the midst of my problem I had forgotten God. It was only when I drew closer to Him that I could feel some relief from my pain. God is real and He is there to help. Short stories, Bible verses, humor, and Biblical articles have helped me immensely. Now, I get out of bed in the morning and look forward to the day. No longer does my family worry about me committing suicide. No longer do I wake up in the morning and wish it was night. Except for a little bit of depression, I feel good again. You can feel good again, too.

These are some of the things you can do to feel better. First, make sure you have the proper lighting in your house. Little sunlight coming through your windows and poor lighting will only add to your depression. We lack Vitamin D in the winter and it is mandatory to a healthy mind. Use fluorescent lights, day lights, and white lights to replace the vitamin D. This will not supply all of the vitamin D that you need so you'll have to get it elsewhere.

Take Vitamin D by mouth. Most pharmacies and large chain stores carry vitamins. My doctor has recommended to me to take 1000 units a day. This is actually more than the recommended daily requirement; but Vitamin D is not easily absorbed orally. Check with your own doctor about the amount that is right for you. Get outside, any time spent outside will be a great mood lifter for you. While outside, stretch and take in some fresh air at the same time. It seems as though fresh air also affects the psyche. Exercise is also great for freeing pent up emotions.

Avoid confrontation. I hate other people speaking for me; but there comes a time when your mind needs a rest from the commotion. Let a trusted friend, family member or spouse handle some of your small problems. In turn, you will be less stressed by the situation that is annoying you. Get back to your roots, spiritually. Drawing close to God and His word is great for what is ailing you.

To sum things up. Depression is a horrible miserable disease. Help comes in many forms, doctors, pills, vitamin D, proper lighting, exercise, deep breathing, therapy, and your spiritual well being with God. If you use all of the tools at your disposal, you should start feeling better soon.

Tuesday, June 29, 2010

How to Save Money and Get Discount Homeowner's Insurance in Maryland

The state of Maryland does not require homeowners to carry homeowner's insurance. However, if your home is being financed, if you have a mortgage in other words, then your mortgage-holder in all likelihood does require you to carry full homeowner's insurance. However, you are not required to carry insurance from the company recommended by your mortgage holder - you are free to pick and choose your own company and find your own discount homeowner's insurance.

Homeowner's insurance is designed to protect your home as well as its contents. When purchasing homeowner's insurance be certain that the amount of the policy covers the full replacement cost of your home and its contents. Consult a local contractor or a knowledgeable real estate agent as to the cost of rebuilding your home from the foundation up in today's market, but do not insure for the value of the land under your home; your home may be destroyed but the land will remain intact.

While you should not skimp on the amount of insurance you take out (the full replacement cost of your home) there are several things you can do which will reduce the monthly premium on your homeowner's policy, allowing you to save money and get discount homeowner's insurance right here in Maryland.

Start by making certain that you have all of the required fire and smoke detectors and make sure that they are all in working order. Change the batteries twice each year; many people change batteries on the same day that clocks are moved forward or backward an hour. Keep a working fire extinguisher of the correct type in the kitchen.

Weeds, brush and trash need to be cut back and moved away from all structures as a fire precaution.

Bushes need to be trimmed back around doorways and windows so that burglars do not have cover from prying eyes. Keep your yard and house looking clean and uninviting to criminals.

Make sure all outside doors have a working deadbolt as well as a normal key lock. All windows - including upstairs windows - need to have a working lock. These measures help prevent burglaries.

Am automatic fire and intruder detection system, connected to a third party which automatically notifies police or fire in case of an emergency will also drastically reduce the cost of your homeowner's insurance.

Believe it or not, even your credit rating can affect your homeowner's insurance premiums; most insurance companies take your credit score into account when determining your premiums.

Once you have done as much as you can to reduce your homeowner's premiums it's time for you to get online and check out several of the many sites that allow you to make direct head-to-head comparisons of homeowner's policies and prices.

Fill out the required information on at least 3 different comparison websites. In this way you will be able to compare the largest number of different insurance carriers. It's more work than just looking at one site, but the end result will be that you will know, beyond any doubt, that you have saved money and gotten the best available discount homeowner's insurance in Maryland.

Monday, June 28, 2010

Start an Internet Business With 7 Simple Steps

So are you ready to take the plunge and start an internet business? Great! I have started quite a few, and now I have a cannot-miss formula. Let me show it to you right now.

1) Choose the right niche.
There are two things here. It needs to be profitable, and it needs to be interesting to you. You would be surprised how small a niche can be and still be profitable. Make sure that some people are interested in that niche, especially you. If you have no interest in the singles' dating scene, but everybody says that is where all the money is on the internet, you are going to run out of gas before you get very far. It is not your passion.

2) Capture the emails of people interested in that same topic.
What do I mean by that? What I like to do is offer a mini-course in exchange for a first name and an email. So I might say something like, the five mistakes people make when buying their first home. Or the five mistakes people make when training their Labrador puppy. Whatever it is, I usually offer some type of 5-part or 7-part mini-course in exchange for a first name and email.

3) Ask those people what they want.
That is really important. When someone gives me his first name and email, I ask him what is his biggest question about selling his home or training his Labrador puppy or whatever my niche is. Now I know exactly what my customers want. As people pile into your email list and pick up your mini course, they are telling you exactly what their biggest question is. How hard is it going to be to find the answers to those biggest questions? Not very hard if you know anything about the topic. And the questions you do not know the answers to, you can look them up on the internet. That is real easy to do.

4) Give the people what they have asked for.
Imagine if you had an information product that answered the exact questions that people asked. How hard would it be to turn back around, go to those people, and say, "You know what? I know exactly what you want to know. I have an info product that answers the exact questions you asked me. It will cost you $27. How about it? Do you want to make a trade?" Well, yeah, that is a real easy trade for them. And they will probably read through your e-book and think, "How did you know exactly what I wanted?" Well, 500 of you had about the same basic 8 to 10 questions. I just created an information product based on the questions you asked me. Do you see how easy that is? You do not need to reinvent the wheel.

5) Put the whole thing on auto pilot.
Now that you have chosen a profitable topic, collected emails, and asked people what they want, it is time to create an information product to meet that need. This is what I call internet marketing 101. Whatever they tell you they want, give it right back to them. Then put up your sales page, collect the payment, deliver the product, recruit promotion partners, pay promotion partners, etc. Everything is on auto pilot, and you are free to follow your passions.

6) Offer more to those who want more.
Because if they loved your $27 ebook, imagine how they will really fall in love with your $270 home-study course. Or your $2700 weekend boot camp, or whatever more there is. You see what I am saying there? This is the best way I know how to start an internet business.

7) Tie every information product into monthly continuity income.
Now, a lot of you are probably thinking, "But I am not an expert in anything. You do not have to be an expert. Let me ask you a question. Do you really like learning from experts? They are condescending, right? They do not communicate very well. And quite frankly, most of them are boring. You do not need a PhD or an MD or any other degrees behind your name. All you need to do is to take somebody by the hand and show them exactly how you got through the problem.

I said they are simple steps, and they are. It is not impossible to start an internet business, but it will require a little legwork. You can even be successful at it! If you have questions, I would be glad to help.

Sunday, June 27, 2010

How to Gain Information Regarding Personal Injury Lawyer

Miami is one of the most visited cities. Now there are plenty of tourists who keep on coming back to Miami spending their vacation.

Every year there is a tremendous increase of those people who are visiting the city. This is because they enjoy all the activities and business opportunity at this great city can over. Because there is an increase of the population in the city, then there is a great chance that accident may happen. And for this you cannot avoid unwanted circumstances to happen.

As accidents happen, normally there is a victim and an injurer. Of course you do not want to be the victim especially if you suffer from different damages and boy pain. But you cannot avoid things to happen. With this it is important that you have to know the right things to do. You have to seek the right help so that you will be able to get the right compensation.

Now there are lots of Miami personal injury lawyer. They are the right person to call in cases like this. If you want to get what you deserve, then it is important that you must have at least basic knowledge about these professionals.

There are lots of things that you need to consider when hiring a Mimi personal injury lawyer. It is very important for the part of the victim to hire the right lawyer so that they will be able to gain the right compensation and seek the right monetary ward for all the hospital bills, medication, and lost of income.

If you do not have any ideas what a Miami personal injury lawyer can do for you, then you have to make a research. You can read some books regarding these professional. You have to know what they can do for their clients, how they work, their responsibility and o course the fee that you need to pa y with them.

It will be better if you know somebody who is a lawyer. You can ask them directly all the important questions that you have in mind. You can conduct an interview so that you will be able to know their importance in cases like this.

Now there is a widespread use of the internet. You can conduct your search of the best Miami personal injury lawyer in the internet. You can check out those websites that can provide you enough information that will help you know more about these professionals. Aside from the different articles that you can read, there are also online law firms that you can contact and ask more about these Miami personal injury lawyer.

Saturday, June 26, 2010

The Significance of College Park Airport in Maryland

Only one airport can claim the title of the "world's oldest, continuously-operating" one. That title belongs to College Park Airport, located in Maryland, some 25 miles from the state's major facility, Baltimore-Washington International Airport.

College Park's own origins can be directly traced to the Wright Brothers. Although their sustained, controlled, and powered flight at Kitty Hawk, North Carolina, as well documented, had occurred in 1903, it had not been until 1908, when their attempt to interest the Europeans in their design had generated sufficient interest in it in their own country. The Wright Model A Military Flyer, one of three aircraft submitted to fulfill the US Army Aeronautical Division's requirements for "a motorized, heavier-than-air flying machine and the training of two pilots," had first flown from nearby Ft. Myer, Virginia, later that year, but its perilous fate had led to the injury of Orville Wright and the death of its passenger.

The reconstructed aircraft, demonstrating its capabilities during a one-hour flight, had met all specifications: a capacity of two, a 40-mph airspeed, and a 125-mile range, and the design had been handed over to the Army on August 2, 1909. What remained, however, had been the yet-unfilled requirement to train two officers to fly it.

The Ft. Myer site, hitherto location of all test flights, had proven too constrained and had often been surrounded by curious onlookers, and a larger area had clearly been needed. Its replacement, 160 acres of flat land in nearby Maryland, had subsequently been chartered as an airfield after Army Signal Corps Lieutenant Frank Lahm had spotted it from a balloon. The parcel, located near the new Maryland Agricultural College, had been train- and trolley-accessible, yet remote enough to discourage significant numbers of public viewers. It became College Park Airport.

After having been cleared of several trees in October, a small hangar and a launching track to facilitate the wheel-devoid Military Flyer had been constructed, while the actual aircraft had been transported, in a disassembled state, to the new location.

Flight training of Lieutenants Frank P. Lahm and Frederick Humphreys, which began on October 8, resulted in both successfully soloing in little more than three hours, but the latter, achieving the feat first, became both the world's first military officer to become a pilot and the first to fly a government aircraft in the process. Both were subsequently reassigned within the Army.

Two other "firsts" occurred that year: Mrs. Ralph H. Van Daman became the first woman in the US to fly as a passenger and Lieutenant George Sweet became the first naval officer to fly when he did so with Lahm on November 3.

A hangar, housing the Wright Brothers and ten enlisted men, had served as living quarters during fight instruction.

Rex Smith, an inventor and patent attorney, can be credited with sparking civilian aviation at College Park when he had established the Rex Smith Aeroplane Company and the National Aviation and Washington Aviation Companies had later provided aircraft services and support.

The Wright Model B, succeeding the initial "A" version in 1910 and integral to this operation, had been a two-person, open-cockpit design constructed of West Virginia white spruce whose aluminum powder coating had given it a metallic look. Its dual wings, like those of the original 1903 Wright Flyer of Kitty Hawk fame, had been fabric-covered and bank-induced not by the later-standard ailerons, but instead by the Wright-designed wing-warping method. Powered by a 30-35 hp, four-cylinder, water-cooled Wright engine which drove twin, 8.6-foot, counter-rotating propellers at 428 rpm, the 950-pound aircraft could become airborne at an almost stationary 27 mph and could attain a maximum speed of 40 mph with its long, 38.6-foot wingspan. A dual rudder and equally warped elevator comprised its tail.

An initial deficiency of providing only a single, wing-warping and rudder control lever between the pilots, yet two elevator actuators, had been remedied two years later with the installation of a second wing-warping and rudder control, thus ending the right- and left-seat pilot phenomenon. The type conducted both training and experimental flights. Along with a Wright-Burgess and two Curtiss Pushers, it had formed the aviation school's initial flight training fleet.

In all, Wilbur Wright had made 55 flights from College Park in 1909, the fastest of which had been at a record-setting 46 mph.

Although the Wrights had left College Park in November of 1909 after their contract had been fulfilled and they had relocated their training school to Ft. Sam in Houston, the seeds planted by the first two Signal Corps pilots had blossomed into a full-fledged military aviation training facility in 1911 when the Army, receiving a Congressional appropriation for Army Aeronautics, had leased 100 more acres of land, constructed additional hangars, and ordered more aircraft, establishing the first Army Aviation School. Indeed, the initial Wright hangar had multiplied into seven, along with a headquarters building and a medical and a mess tent at this time.

Aviation's foundation continued to be laid that year. The first test of an aircraft bombsight, for instance, had occurred, while College Park had become both the origin of the first cross-country flight and the first military cross country, a 42-mile sector to Frederick, Maryland, in a Burgess-Wright airplane. The first member of Congress had been flown by the US Army and the first aerial photographs had been taken of the airfield at 600-, 1,500-, and 2,000-foot altitudes.

The Bleriot XI, a single-engine, fabric-covered monoplane designed and built in France and named after designer Louis Bleriot, had joined the Curtiss and Wright aircraft at College Park's National Aeroplane Company in 1911. Powered by a 70-hp Gnome rotary engine, the 661-pound, pilot-only design, with a 25.7-foot "twistable" wingspan, had been the first heavier-than-air airplane to cross the English Channel from Calais to Dover more than a century previously on July 25, 1909 and had served as the basic configuration upon which all current-day aircraft had been based. Its (then) novel, single-wing arrangement, however, had been the reason for the Army's rejection of the type over the standard biplane configuration after pilots from New York's Moisant School had demonstrated it to them in Maryland at College Park. Nevertheless, the National Aeroplane Company became the type's authorized agent for sales in the Washington area.

Aviation "firsts" continued to be notched up in 1912. A "Military Aviator" pilot rating, for example, had been introduced; the first aircraft-installed machine gun had been tested; Lieutenant Hap Arnold had made the first mile-high flight; and, sadly, the first death of a military enlisted man, Corporal Frank S. Scott of the US Army, had occurred.

Civil aviation had increasingly usurped its military counterpart until it had altogether replaced it in 1913 when the Army had relocated to North Island in San Diego as a result of its lease expiration in June. The Rex Smith Aeroplane Company, which had already established its presence there, had designed its own aircraft, and the National Aviation Company had repaired and provided flight instruction in Bleriot, Curtiss, and Wright designs. The Washington Aeroplane Company had built the Columbia Mono- and Bi-Planes during this time.

College Park Airport entered a new chapter in 1918 when the US Post Office had selected it as the location of its first airmail service after a three-month trial from Potomac Park in Washington to Philadelphia and Belmont Park in Long Island, New York. Operated by a Curtiss JN-4H Jenny on August 12, and flown by Max Miller, it had successfully carried the mail to New York.

The Jenny, the workhorse of the US airmail fleet, had a 27.4-foot overall length and a 43.8-foot wingspan. The two-place biplane, powered by an OX-5, liquid-cooled engine, had a 1,430-pound empty weight, but could carry a useful load of 490 pounds, comprised of the pilot in the rear seat and the mail itself in the front. Maximum speed had been 75 mph.

An airmail hangar and compass rose had been constructed in 1919 and 12 aircraft had formed the airmail fleet before the service had been transferred to the transcontinental route from New York in 1921.

Another chapter in College Park's history had been written in 1924 when the father-and-son team of Emile and Henry Berliner, sponsors of the already-established Washington Aeroplane Company, had conducted the world's first controlled vertical helicopter flight on February 24 before media and US Navy officials. The Berliner helicopter, employing an 18-foot-long Nieuport 23 fuselage, had featured a 38-foot wingspan in triplane configuration from whose leading and trailing edges shutter-like vanes had horizontally protruded and atop which two 13-foot diameter counter-rotating rotors driven by a 220-hp BR-2 Bentley engine had been installed. The single-seat, 641-pound design rested on a quad-wheeled undercarriage.

Rising to 15 feet, the helicopter had maintained a 40-mph airspeed and a 150-foot maneuvering radius, traveling some 200 yards, although the experimental flight had revealed a power deficiency and inadequate lateral control. Nevertheless, it had led to advancements which had been later incorporated in Igor Sikorsky's own vertical design of 1940.

College Park Airport had not only been instrumental in vertical flight, but also in blind flight. Between 1927 and 1934, the National Bureau of Standards (NBS) had tested and developed radio navigation aids to facilitate zero-visibility flying with hooded biplanes. Jimmy Doolittle, making the first blind landing at Mitchell Field, Long Island, on September 24, 1929, had paved the way for the first such operation at College Park on September 5, 1931, while the first instrument flight, from origin to destination, had been conducted in 1934 between College Park and Newark. The Washington Institute of Technology, taking over the development program, had been able to lay the foundation for today's instrument landing system (ILS).

Also in 1927, management of the airfield had been handed off to George Brinckerhoff, who had been instrumental in taking it into the Golden Age of Aviation by conducting extensive pilot training and staging frequent air shows, the latter of which, particularly, had introduced the public to aerial flight.

One of the most frequently featured aircraft during these shows had been the Monocoupe 110. Powered by a 145-hp Super Scarab piston engine, the high-wing, 1,611-pound aircraft, with a 20.8-foot overall length and 32-foot wingspan, had been fast, efficient, and aerodynamically sleek for its day and could attain 120- to 148-mph speeds. It had often won speed records at College Park races and air meets.

The two-place, tandem-arranged Taylor J-2 Cub, introduced four years later in 1936, had also been instrumental during this period. The docile, high-wing trainer, with a 22.5-foot overall length and 35.2-foot span, had had a 970-pound gross weight and could attain 87-mph speeds with its single, 40-hp Continental A-40 engine. Used by Brinckerhoff for flight training during a 30-year period, the type had become the quintessential private pilot trainer at general aviation airports throughout the country.

Another prevalent trainer, introduced three years later and featuring improved capability, had been the Taylorcraft CL-65. Unlike the tandem seating configuration of the J-2, the side-by-side arrangement had facilitated dual instruction. The high-wing, tail wheel aircraft, with a 22-foot overall length and 36-foot, fabric-covered wingspan, had been powered by a 65-hp Lycoming O-145 piston engine and, with a 1,150-pound gross weight, could achieve 102-mph maximum speeds.

Another College Park-indicative design, the Aeronica 65LA "Chief," had plied Maryland skies during the 1940s. Equaling the Taylorcraft's speed, it had been powered by a 65-hp Continental C-65 engine and had featured a 1,250-pound maximum weight. Only 87 of the type, however, had been produced.

During World War II, the Women's Air Services Pilots, or WASPs, had trained at College Park under Maryland's Civilian Pilot Training Program, enabling them to assume non-combat aerial duties.

The Boeing PT-17 Stearman, a two-place, open-cockpit biplane instrumental in the training of pilots, had often performed stunts and competed in air races during the Brinckerhoff period from 1927 to 1964. The aircraft, with a 24.10-foot overall length and a 32.2-foot wingspan, had been powered by a 220-hp Continental R-670 radial engine and, at a maximum gross weight of 2,717 pounds, could achieve 124-mph speeds. More than 8,500 in 11 different versions had been produced for the Army, the Navy, and several countries.

One aircraft, registered N8NP and piloted by Gus McLeod, had become the first open-cockpit biplane to have flown over the North Pole. Departing Gaithersburg, Maryland, in April of 2000, it had penetrated zero-visibility and below-zero temperature conditions on its intended 13-day expedition, finally circling the pole on April 17, but mechanical difficulties had forced it to land. The pilot, returning the following month with the needed replacement battery, had discovered that the ice floe on which it had been located had drifted some 80 miles toward Norway.

After repairs, the Stearman had flown as far as Nunavut in Canada before weather impeded further continuation.

The Ercoupe 415D, designed by the Engineering and Research Corporation (ERCO) which Henry Berliner himself had founded in 1932, had been a low-wing monoplane employing a tricycle undercarriage and twin vertical fins which had been tested at College Park. Powered by an 85-hp Continental A-85 engine, the two-place, 1,400-pound general aviation aircraft, with a 30-foot wingspan, could attain 117-mph speeds and had uniquely offered a coordinated control system by linking the ailerons and rudders by means of the control column. Devoid of rudder pedals, it had facilitated pilot training, and had been considered slip-, stall-, and spin-proof.

In 1973, the Maryland National Capital Park and Planning Commission purchased College Park Airport and four years later it had been added to the National Register of Historic Places.

Today, "the world's oldest continuously-operating airport," occupying 40 acres, is a non-towered, general aviation facility with 80 based aircraft and a single, lighted, 2,600-foot runway (15/33). The original airmail hangar and compass rose of 1919 are located at the end of the field below the railroad tracks, while the 27,000-square-foot College Park Aviation Museum, a glass-and-brick, curved roof building inspired by early Wright Brothers designs and an affiliate of the Smithsonian Institution, is located on the side and showcases many historic, airport-related aircraft.

Countless, modern-day turboprop and pure-jet airliners regularly ply the corridor to and from Maryland's Baltimore-Washington International Airport, perhaps oblivious to the tiny parcel of land called "College Park Airport" below them. But at least a nod of recognition and appreciation should occasionally be extended. This, after all, is where it all began.

Friday, June 25, 2010

Where Did American Exceptionalism Go?

Saying the Pledge of Allegiance was a daily ritual through my twelve years of primary and secondary education. Dare I say that so was a daily prayer, since I was a product of a Catholic education during the 50s and 60s.

My parent were depression era citizens. My dad was in the Navy in the South Pacific during World War 2.

Being American meant something to them, and to me. Yes, times were simpler, and the world was still a vast disconnected group of Nation States separated by great deserts and oceans. Computers were something only government and IBM used. It was still common to have shared telephone lines, and the color choices for your phone were black, black, or, black.

The list is endless as to what has changed in this country since I was born, but the one change that scares me, and should frighten the hell out of all of us is the overwhelming ignorance of what this country is all about.

We are still in a toddler stage as a nation, but we have far eclipsed what any great power has achieved in the history of man. Every nation that has seen its fall from greatness, can attribute that fall to its citizens either claiming their rights to basic human freedoms, letting their freedoms atrophy, letting external influences usurp those freedoms, or letting their governments constraint the extent of those freedoms.

We have excelled by minimizing government involvement in the pursuit of the greatness of the individual.

Our slow decline started in the Great Depression of the 30s when government in its effort to "help" the plight of its citizens instituted a massive power grab of individual freedoms. Social Security, WPA, CCC,

and a plethora of new government programs put a framework into place that set us on a course that has given many Americans an entitlement mentality that has crossed racial, and socioeconomic line,

The Great Society program of the 60s literally destroyed the black family structure by forcing men out of the homes in order for the woman to be able to collect bigger welfare checks. The Vietnam War spawned a resentment for this country that bred a generation of anti Americanists that proliferate so much of our academic, journalistic, and political arenas today.

We still self flagellate over what happened to Native Americans and the slaves over 150 years ago. Terrible chapters in our history absolutely. But what country has ever done more to address and correct its past injustices. We went to war with ourselves, in part, to remove the stain of slavery. The past is a powerful learning tool, but it is not to be dwelled on, only learned from.

Young people today are not taught how this country works, why it was founded, or why they enjoy the freedoms that they have. There is a movement within the power structure of the government today to act on this ignorance by removing basic freedoms through high taxation, over regulation, and more and more layers of lawyers that make even a playground a lawsuit waiting to happen.

Political correctness has made us afraid to laugh at ourselves, to challenge injustices disguised as corrections for past indiscretions. Anything done "for the children" give any cause or politico the right to raid our wallets and trounce on our right to challenge.

Men are emasculated,and certain religions are ok to denigrate, while others are above criticism.

We are bankrupt as a nation and owe our financial soul to countries just waiting to destroy us.

Our military is being slowly turned into a social experiment that will eventually weaken the cohesion so important to the function of a culture of warriors.

We can worry about the next winner of American Idol, or the next episode of survivor, but I fear that one day the people of this country are going to wake up and realize that they were cast adrift in an ocean of "what happened to us" and there will be no land in sight.

Thursday, June 24, 2010

How to Get Enlightened - The Power of Now

"The Power Of Now" by Eckhart Tolle is one of the best books I've ever read, and it is The best spiritual book I have ever read. This book really helps you get to that next level of consciousness.

I thought I was a "positive" and "relax" guy, but I still get upset once and a while. To think a positive person such as myself still "loose control".

There had to be a better way to live and to think, I thought. And then through "Law of Attraction", and heard rave reviews about "The Power Of Now", I decided to give it a read.

I went on Amazon to purchase the book, and thought to myself... "Wait a minute... the cover looks so familiar", and then I went into my room.

"Just as I thought", the book "The Power Of Now" was already sitting on my shelf! I had purchased it 6 months ago, and have yet to browse through or read it.

At that moment, I quickly read the back, the index and introduction, just as I do most books, and thought to myself, "What's the 'hype' about..." But finally that weekend, I was visiting my girlfriends house and had time to myself.

I started reading "The Power of Now" and I couldn't put it down! All the words rang true, and most of the concepts mad sense. It's as if I never heard these words spoken before.

Some of the concepts of the book has gone against a lot of my previous notions about how to live and think. For example, instead of "Positive Thinking", Eckhart Tolle says that to reach enlightenment and be one with Being, you have to "not think"...

He says you have to be presence in the Now, for the now is all that matters. For example he says that all regret, sadness and remorse has to do with your Past... and all anxiety and fear has to do with the Future... but the Now, right now at this very moment you are Perfect. It's a perfect moment.

Wednesday, June 23, 2010

Injury Lawyer - Why Do You Need One?

Major injuries can be traumatic, leading to painful recovery, loss of work and other consequences. These effects are difficult to deal with no matter the cause but can be even more difficult to accept when they were not just the result of personal inattention but were the result of another's negligence or malpractice. The responsible party could be an individual, company, government agency, or other entity such as a hospital.

The defining criteria of personal damage are that there must be real damages that must have been completely caused by someone else. A mistake during a medical treatment, a faulty vehicle repair or a bite from an unrestrained dog for example.

When this is the case, victims are likely to seek the advice of a personal injury lawyer, who handles cases including civil wrongs and economic or non-economic damages to a person's property, reputation, or rights. Although these attorneys are licensed to practice any area of law, they usually focus their practice on cases that fall under this definition, otherwise known as tort law.

In most cases a personal injury lawyer will work to settle a case and obtain monetary compensation directly with an insurance company. This will avoid the need for a case to go to trial. Only if a settlement offer from an insurance company is unacceptable, will a case go to court to attempt to obtain a more reasonable amount. However, a victim must be prepared for this process to take much longer. In general, a claim will take anywhere from a few months up to a year to settle.

A personal injury lawyer will work to obtain compensation for damages that fall under a variety of categories. Most prominently, medical expenses will need to be calculated. This includes ambulance fees, emergency room treatment and continuing doctor visits. The extent of medical expenses will sometimes be used by an attorney to determine a rough guide for overall damages. Accident-related future medical expenses will also be estimated and included. An accounting service will be utilized to calculate an acceptable amount to restore losses.

Several additional damages will also be sought for the victim by an injury lawyer. These will include loss of wages between the time of injury and settlement as well as loss of earning capacity, which is the loss of ability to earn future wages. Additionally, compensation for a victim's pain and suffering and mental anguish related to the accident will be sought. This includes physical and mental pain, and loss of enjoyment of life.

Tuesday, June 22, 2010

Withholding Tax - How it Works?

As the majority of people living and working in the nation know, you are required to pay an income tax on your earnings as you earn them. Every quarter you are expected to pay taxes on your income in the shape of estimated quarterly payments. In other words if you work for a company, your company deducts your taxes and sends them to the Treasury regularly. Once tax day arrives, if you've sent too little taxes, you will be penalized and charged interest. However if you're only a little short, you should be alright.

Financial experts advise that you try to adjust your withholding. Doing so minimizes any unnecessary monthly withholding and you will be able to keep any cash in your savings account. While this is generally good advice, there are risks involved especially if you adjust your withholding aggressively.

w-4 Allowances:

Claiming allowances on your w-4 form can allow you to adjust your withholding. The w-4 form enables you to account for credits and deductions eligible to you and this process can decrease your taxes. Today's complicated financial situations such as two income households weren't in mind when the withholding system was devised and you'll have to adjust your w-4 to account for this. The form explains how to adjust your withholding to avoid having withheld too much.

There are three major ways to remain safe if you've underpaid your taxes. If your payment is short by $1,000 you fall under the safe harbor rule. This rule determines if you will be charged with penalties or interest if you've underpaid your taxes. You will fall under the protection of the safe harbor rule if you managed to pay 90% of your liability. If your tax payments for the current year are higher than what you paid in the year before you will also be protected by the rule.

This is how the Federal government applies the safe harbor rule and state and local governments may act differently. For example, in Maryland, safe harbor rules have one difference: you are safe from interest and penalties if you paid 120% more taxes than you did the previous year. In the case of Federal taxes, to be safe you would have to pay only 100% of what you did the year before.

You should exercise caution when adjusting your withholding because if you do so too aggressively, you will find that any savings won't generate the amount of interest or penalties you will find yourself having to pay.

Monday, June 21, 2010

Tired Of Tweezing? A Better Way To A More Beautiful You

Any drug store has a section full of products to deal with the problem of unwanted facial hair: tweezers, waxes, bleaches, and even sugaring kits. Some salons have a trained electrolysist on staff to remove hairs by electrolysis (electric charge put through a needle to kill hair follicles at their root). Some dermatologists now offer laser removal of hair that removes hair.

Many women use one or a combination of these methods to remove facial hair that they feel detracts from their appearance. Some of these methods are uncomfortable, some can't be used by women with certain types of skin, some are temporary, and the ones that are permanent can be outrageously expensive. Lisa S, a family lawyer, comments wryly, "I'd rather spend the money on a gorgeous dress - then no-one will be looking at my face anyhow!"

Where did this facial hair come from?

All women have facial hair: for some women it consists of "peach fuzz" - an almost unnoticible sprinkling of almost invisible hairs. Some women however have places where one or more darker hairs (sometimes called terminal hairs) which they feel detracts from their beauty.

Women have different amounts of terminal hair on the face for different reasons. it might be hereditary - if your mother or grandmother has darker facial hair on the upper lip you're more likely to have the same pattern. Having more body fat allows your body to create more of the hormones that make terminal hairs grow. And all women, thin or curvy, make more of the hair-growth hormone as they get older, which can increase facial hair growth.

Rarely, large amounts of facial-hair growth (for example, a "beard" and "moustache" type appearance) may signal an illness that is changing your hormones. If you've noticed a significant change in your facial hair or your hair growth seems excessive to you, talk to a doctor that you're comfortable with. Her job is to help so don't be shy! She will make sure you get treatment if there is a problem. And most of the time, she'll be able to reassure you that the hair growth you're experiencing is normal.

It might be normal, but I still don't like it!

What makes facial hair "unwanted" depends on the woman. Some women feel perfectly comfortable with visible hairs on the upper lip, where others will find very bothersome. Only you know whether it makes you uncomfortable with your appearance!

If it does bother you, though, and you're tired of plucking, waxing or bleaching, you may want to consider the option of a medication that actually reduces the amount your facial hair grows.

Vaniqa Cream

Vaniqa is a prescription topical medication, a cream that you put on the skin that has the annoying hairs. Vaniqa's active ingredient (eflornithine HCl) actually slows the growth of hairs.

Vaniqa doesn't remove hairs completely. So if you've been tweezing or waxing, you may occasionally continue to do so. But you'll notice that you have to remove hairs less often or find that with fewer hairs growing at any one time, their appearance does not bother you as much.

Best of all, Vaniqa has very few side effects: rarely, a few women feel stinging, burning or see a rash where they've applied the cream. And in studies of the drugs, the women who did have side effects felt that they were so mild that they continued using Vaniqa. If you have side-effects, stop using the cream till you've talked with your doctor.

World, Here I Come!

As you use Vaniqa you'll notice the reduced appearance of facial hair and you'll spend less time removing the hair that appears. You'll have more time to do the things that the beautiful-you wants to do - shopping, flirting with your husband, working, and being more confident every step of the way!

Sunday, June 20, 2010

Why Food Equality Resides Only in the Burbs

The media and health industry like to talk a lot about the obesity epidemic, and how to curb it, Americans need to eat more fresh fruits and vegetables and less processed foods. It sounds easy, and for many of us is a completely attainable and realistic goal, but for many Americans who live in low-income communities, it's just plain not an option.

There is a growing disparity of food prices, quality and grocery store availability in the United States between inner-city and suburban communities, and the effects are becoming more apparent with each passing year.

It has nothing to do with willpower, laziness or even lack of nutrition education. For families in low-income neighborhoods, like so many things in life, getting a nutritious meal all comes down to money.

The World Food Summit of 1996 defined food security as "all people at all times have access to sufficient, safe, nutritious food to maintain a healthy and active life" The World Health Organization (WHO) adds that in addition to having food availability at all times, food security also means being given access to these foods at affordable prices and understanding nutritional concepts.

It seems like a simple concept- who doesn't have access to food?- but food insecurity is prevalent in low-income neighborhoods. Food security and access to grocery stores varies greatly between low income and suburban neighborhoods. Suburban neighborhoods statistically have numerous supermarkets that tend to have higher quality products, nutritionally speaking, where lower income communities are overrun by convenience stores that sell low quality, high calorie, nutritionally void food items for low prices.

There have been multiple studies on adults and adolescents that charted the connection between neighborhood income and resident's access to grocery stores, and their consumption of fruits and vegetables, and high calorie and high fat snacks. The results indicated that neighborhoods with complete access to supermarkets tend to choose healthy products and overall have a better food quality intake.

Chung and Meyers conducted a study in the Minneapolis and St. Paul metropolitan area where about 50 grocery store item prices were compared from 55 different stores in the area. The results indicated the poor tended to pay a little more for their groceries, and that larger chain grocery stores, where the prices are less expensive, were not located in the poorer neighborhoods, period.

'Myth: Kids will live longer than their parents.
Truth: This generation of children will be the first to have a shorter life expectancy than their parents. Diseases such as diabetes and heart disease are now being seen in elementary-aged children versus middle-aged adults.'

Supermarket chains like Whole Foods or Stop and Shop set up shop in mid to upper class neighborhoods. In the Boston area, a typical Whole Foods supermarket is located in a neighborhood with an average median family income of $73,000 and the median family income for a Stop and Shop supermarket is $57,000. The median family income for the city of Boston, however, is $44,151.

So where does this leave low-income communities? To buy their groceries from convenience stores like fast food chains, gas stations and discount outlets with limited options. One can't eat fresh fruits and veggies if there is nowhere to get them.

Morton and team carried out a study to investigate the association of the local food environment and the prevalence of cardiovascular disease. The researchers analyzed availability of supermarkets, grocery stores and convenient stores in Mississippi, Maryland, Minnesota and North Carolina and the rate of residents' cardiovascular diseases. The majority of the study population was white, overweight adults. The results indicated that the availability of supermarkets and grocery stores correlated with a decreased prevalence of being overweight while the majority of convenience stores correlated with an increased prevalence of being overweight. The researchers argued that the local food environment should be considered when trying to find solutions to the obesity epidemic.

Did You Know?
Overweight kids are more prevalent in low-income neighborhoods and greatly affect African-American and Hispanic children.

While the availability of supermarkets with nutritious fresh foods is limited to higher income families, fast food restaurants are found on every corner in low-income neighborhoods. For instance, McDonald's locations, on average, are found in neighborhoods with a median family income $44,000- the income that is too low for Whole Foods or Stop and Shop to service.

So what does this mean? Dietary patterns are known risk factors for diseases such as obesity, coronary heart disease and diabetes. Furthermore, several studies have shown an economic and racial divide for healthy food access. Residents of rural, low-income and minority communities are regularly ignored by supermarkets and grocery stores, and their health is suffering for it. Obesity is more prevalent among minorities in low-income communities, because they only have access to, and can afford, overly processed, high calorie foods.

'Bottom line: Our local, state and national environments influence our health decisions, in particular our access to healthy, quality foods. Supermarkets tend to be located in middle class neighborhoods while fast food restaurants are located in low-income neighborhoods. As a result, an entire population is left without access to healthy foods because of the amount of money they make, which isn't the food security all Americans are entitled to.'

10 Healthy Choices on McDonald's Menu

- Ask the server to hold the salt on the fries
- Apple dipper with low-fat Carmel Dip
- Fruit 'n Yogurt Parfait
- English Muffin
- 1% Low fat White Milk Jug (8 fl oz)
- Premium Grilled Chicken Classic Sandwich (without mayonnaise)
- Southwest Salad with Grilled Chicken
- Vanilla Reduced Fat Ice Cream
- Fruit and Walnut Salad
- Chipotle BBQ Snack Wrap (Grilled)

Saturday, June 19, 2010

Characteristics of a Professional Personal Injury Lawyer

Everywhere in the world lawyers can be found. They are everywhere to give you the legal service you require when you file for personal injury claims. But the question is "how will you determine if you are retaining the best personal injury lawyer there is?"

Every lawyer that is hired will do whatever it takes to get hired by a client. A lawyer who shows sympathy to his client does not necessarily mean that he is what you are looking for to represent your case.

Make sure that you do not fall for a lawyer who is too reassuring that he can win for you an almost impossible personal injury claim. In general, there is really no way that a lawyer will know from the start the possible outcome of a personal injury case, neither can this lawyer immediately know the worth of your claim without first asking getting the exact details from you. Beware if they do.

Be sure to ask the lawyer you wish to hire if he has a courtroom experience for an injury claim. There are some lawyers who never had experience going to trial because their clients usually have an out-of-court settlement. Although an out-of-court settlement is often more desirable depending on the size and factors of the case. If the lawyer you are dealing with does not have such, then you should determine which factors are of most relevance to you.

Having trial experience can make a difference for personal injury attorneys because some insurance companies will monitor which attorneys have experience in court trials. They can use this information for their best interests throughout the claim. Many times an insurance company would prefer to settle out of court. In the politics of personal injuries it is best to have an attorney at your side and on your team. In these situations it is good to remember that who you hire is working for you. There are occasions where not every party has your best interests in mind. That is why an attorney on your side can create significant advantages in your case.

The relevance of hiring the services of a personal injury lawyer who has court trial experience can spell a big difference to your injury case. Try to speak with at least two to three lawyers so you can determine your preference among them. Make sure that you hire a lawyer who communicates well. The above tips can be useful to help you find an attorney who will be useful to you in a difficult time.

Friday, June 18, 2010

Brain Injury Lawyer

The brain is one of the most important organs in the human body. When it is damaged, we suffer immeasurably, and other parts of our bodies refuse to function. Though not entirely critical to life, seeing as our bodies can survive extended amounts of time on life support without a brain, the brain makes us who we are. All of our experience, our knowledge, our personalities, stored inside that twisting mass of muscle. If anything happens to that muscle, the results are quite horrifying, we see things that aren't there, we may end up talking to figments of our imagination, and even worse, the threat of possibly ending up in a padded room.

If the damage to your brain is too bad, you may not recognize your friends and family, and that can be the worst part of all. Not only that, the brain also controls your sight, so by procuring any form of brain damage, you basically risk losing all the things that make you, well, you.

Now that you know the importance of keeping the brain protected, you must do everything you can to ensure that it really does stay protected. But as you know, accidents do happen. It could be a car accident, or maybe even a boating accident. If it does happen, then you need to think about what you're going to do next. You can sit at home and let it fester, because chances are you won't be able to work, considering brain damage usually destroys many of your cognitive abilities. Or you can fight back and get what's yours. Someone did this to you, and you need to get back at them for it.

There are many things you can do, the obvious is to hire a lawyer. I know what you're thinking.."lawyers are expensive!" This is true, they are a tad expensive, court costs, and hourly rates, etc. Fortunately, most lawyers will just take your pay out of your settlement, meaning there are no upfront costs. The one thing you need to worry about, is making sure that the court battle doesn't drag on too terrible long, otherwise the court costs will eat through your entire settlement, I actually witnessed that once, it wasn't pretty.

So to prevent this, make sure you select a good brain injury lawyer. Make sure your attorney is reputable, and he won't drag the case out just to make a few extra dollars. So don't just go with the first lawyer you meet. Talk to a second, and even third, compare them, ask questions, and talk to former clients of theirs to make sure the lawyer gets good results. Remember, this is your future, choose the best, and make the best.

Thursday, June 17, 2010

Prenuptial Agreements Are A Premonition Of Divorce

A weddings mean "Aaaaaah, love is in the air." Or does it? Based on the findings of a recent Harvard Law School study, it may be more apropos for a bride and groom to declare "I don't trust you!" at the altar than share "I do's." The study attempts to convert the marriage union into a sterile cooperative.

The findings of the astute Harvard study say that a prenup is good because it serves as a form of premarital counseling and makes couples talk about financial issues and legal ramifications should the marriage go belly up. This so-called study discovery muddies word definitions. A couple discussing financial issues is developing a "financial plan," building a pathway to achieve their joint hopes and dreams. A couple attaching legal ramifications to this exercise is preparing a "divorce plan," in anticipation of failure.

A prenuptial agreement provides a crevice for each person to keep one foot out the door, cultivating distrust. Neither mate is ever fully dedicated to the marriage. (There are some situations in which a prenuptial agreement is advisable, such as an older couple desiring to marry, both widowed and each owning substantial accumulated assets.)

An observation of today's statistics illustrates that prenuptial agreements are driven by fear. According to the National Marriage Project, about 50 percent of first marriages end in divorce, 20 percent by the five-year mark. Around 67 percent of second marriages and 74 percent of third marriages go bust. It's no wonder why couples want paperwork and walk down the wedding aisle with trepidation.

However, as is true with most challenges in life, marriage being no exception, attitude is a self-fulfilling prophecy. If at the outset you believe you can achieve a set goal, the chances are high that you will. Think positively, you get a positive outcome. And vice versa. What can be reasonably assumed of a couple who enters matrimony with a distrusting mindset?

A prenup is often recommended when a person of affluence marries an individual of modest means. In some ill-fated way, the document is supposed to serve as a guarantee that the individual of lesser worth isn't marrying the rich one for money. A prenup also is often advised when both parties possess great wealth. Again, the legal agreement is meant to serve as assurance against money-mongering. In other words, matrimony is being entered into under the suspicion that either the bride or groom or both are thieves!

In the case of a young married couple just setting out in life together, a prenup is illogical because there's usually little, if anything, to split. Home furnishings and kitchen utensils are about all they combine. If the marriage doesn't work, she's not likely to want his brown corduroy couches and matching recliner-chair nor is he likely to grovel for her non-stick pots and pans.

Inquiries with several different law firms disclose that attorneys charge an average of $2,000 to $3,000 minimum to draw up a prenuptial agreement, and the fee escalates depending on the amount and complexity of the assets of the individuals. A better investment for an engaged couple might be in marriage education courses, couples retreats, books on marriage, and other venues that will enhance and help solidify their relationship.

As evidenced by celebrity debacles, prenups don't necessarily hold water. Lawyers, however, are again the ones who have everything to gain.

Marriage is not a contract. Marriage is intended to be a lifelong journey between two people who love each other and desire to jointly experience and explore all life has to offer. And when the road gets rocky, it's not a signal to whip out the prenup. A couple who is truly married has the will and determination and resolve to fix problems and find solutions - together.

Wednesday, June 16, 2010

Click it Or Ticket - More Government Intervention

When those blue lights came on behind me last week, I instinctively checked my speed and wondered about my brake lights. Turns out, when the officer approached me, I found out I was pulled over solely for the fact that I wasn't wearing my seat belt. I was subsequently issued a citation for my indiscretion. I am not excusing my actions; I was three minutes down the road after leaving my parent's house; I have a 6'7" frame and drive a small, two-door car. It's easier to just not put it on a vast majority of the time. The simple fact is, seat belt usage saves lives - and there is no disputing that. I don't have an issue at all with wearing a seat belt, and if I become a father one day, you better believe we won't be pulling out of the driveway until we are ALL buckled up. What I do have an issue with is the government mandating me to wear one.

"Click it or Ticket" is an ad campaign produced by the National Highway Traffic Safety Administration. Their main purpose was to increase the use of seat belts in the United States - primarily targeted at teens and young adults. In 2009, my home state of Arkansas, along with Florida and Wisconsin, changed the violation to a primary offense. What this does is allow a police officer to stop and ticket the driver even if this is the only violation observed, where with a secondary offense, one can only be pulled over and ticketed if the offense occurs in conjunction with another traffic violation. The changing of the law in these three states brings the total number of primary violation states to 30. Additionally, 19 states have secondary laws, and only one state has no law requiring the use of a seat belt.

Not only does the law infringe on my civil rights, (yes, I'm going there) but also it is so hypocritical, it's laughable! In my home state, it's NOT against the law to drive your motorcycle 70 mph down the highway with no helmet, but it IS against the law to drive your Suburban 25 mph on a city street with no seatbelt. Not that that reason alone is reason for the opposition, but it just shows you how comical the concept is. Bottom line: the government is mandating a choice. People have the right to choose to smoke, which is harmful to their bodies. People have the right to choose to drink in excess, which is also harmful to their bodies. People have the choice to overeat, which, once again, is harmful to their bodies. People even have the choice to abort their baby, which is deadly to ANOTHER human life. Yet, somehow, I don't have the choice to buckle up or not. Perhaps money is a driving force in the mandating of seat belt usage. With our current struggling economy, many local municipalities as well as cities could certainly use this potentially large revenue stream. The state of Maryland was so eager to issue citations they even equipped officers with night vision goggles to catch offenders at dark.

Simply not wearing a seat belt differs vastly from drug use, overeating, or even tobacco use. Simply not wearing a seat belt does not guarantee harm to the driver. We should wear a seat belt because we care for our safety, not because the government mandates us to wear one. The "Click It or Ticket" program is just another step towards a government who takes choices and humanity out of being a free human in a free society. This program brings us yet another step closer to a government that deems what is right for us - what we put in our body, what activities are too dangerous for us to participate in, and how we live our lives. My America is slowly deteriorating beyond recognition, and this "little law" plays a bigger part than one might think.

"The point is whether government has a right to coerce us into taking care of ourselves. If eating what we wish is our business and not that of government, then why should we accept government's coercing us to wear seat belts?"

- Professor Walter E. Williams of George Mason University

Tuesday, June 15, 2010

Truck Accident Lawyer

House boats, sailboats, motor boats, fishing boats, jet skis, it's all fun and games until someone ends up wrapped around a tree, stuck in a screw, or run aground on a coral reef. There are so many potential boating accidents occurring every single day. If you want a good example, take para-sailing into account. You have a boat dragging a guy attached to a parachute about fifty feet in the air. Granted, that's a lot of fun, in fact I've done it before, but all it takes is one slip, or a wayward bird to turn it into your worst nightmare.

Of course personal watercraft aren't the only high risk factors. If you think about it, you can also end up in a boating accident on a larger vessel, such as a cruise ship, or even a commercial fishing boat. If you find yourself vacationing on a cruise liner, and you are either injured on board, or you manage to be knocked off the boat, then of course you've obtained a serious boating injury, and you could even file a lawsuit against the cruise liner. Though it might get a tad complicated if the cruise ship was in international waters at the time.

In 2006, over four thousand recreational boating accidents were reported, and property damage rose into the millions. Many of these injuries, fatalities, and damages were the direct result of alcohol abuse or outright carelessness. What's sad is that many families vacation on sailboats, and have had harm come to them due to a careless watercraft operator. People do not deserve or need this sort of tragedy in their lives. Jet ski collisions are quite common on open water, generally because of people riding them at night, so it's no surprise when the suddenly collide with each other, or into a late night fishing boat. As horrible as it sounds, this is the sad truth, people just don't take watercraft safety seriously.

So if you find yourself injured due to a boating accident, that is a true accident, or the product of operator incompetence, then after the smoke has cleared, the hospital visit has been concluded, and you have gotten settled at home, then it's time for you to seek compensation. In order to achieve this, you need a lawyer, a good lawyer that can get you compensation for boat accidents that involve serious injury, wrongful death, and a wide range of other issues.

The important thing to remember, is that you must get an attorney that has a lot of experience in this area, one who specializes in boating accidents. These kinds of attorneys will know the ins and outs of this type of injury, and they'll fight for you in court to get the maximum amount of money, or in a best case scenario, they'll settle out of court, and get you what you need to put your life back on track.

Monday, June 14, 2010

Praying With Power, by C Peter Wagner, Book Review

Effective Praying - Hearing From God

C. Peter Wagner, best selling author, and founding president of Global Harvest Ministries, draws from the many experiences he has gained over decades of service in ministry and study to address practicable questions on how to make prayer more effective. "Praying with Power" is the 6th volume in The Prayer Warrior Series.

Wagner provides concrete examples of prayer, both Biblical and contemporary to illustrate praying with power. Wagner tells of a church in Africa, the Kiambu Prayer Cave, and of the victory over Mama Jane's Sorcery. Wagner describes a fresh energy being experienced by members within the Church of China, Peru, and nations throughout the world.

Wagner talks about the gift of intercessory prayer, two-way praying, hearing God's voice, three levels of prayer, as well as three levels of spiritual warfare, healing prayer, spiritual mapping and targeting our prayers for the community and the nations.

As president of Global Harvest Ministries Wagner has helped develop l strategies to help the body of Christ flow with paradigm shifts, in the areas prophetic intercession, deliverance, prophecy, power ministries, the New Apostolic Reformation, marketplace ministries, and spiritual transformation.

"Praying With Power" concludes with C. Peter Wagner's personal insights into the dynamics of prayer and spiritual warfare. This is an important book for anyone with a burning desire to pray more powerfully, to move beyond your ordinary praying. This is a book that will show you how to pray more effectively and to hear God more clearly.

9780768426533, Destiny Image Publishers Inc.
As Reviewed for Midwest Book Review

Saturday, June 12, 2010

Bail Bonds - Find Peace of Mind With Them

Bail bonds are surety that are used to ensure that the total amount needed for an accused party will be paid, should the accused fail to follow through on the terms of release. They can be obtained in almost every state in the US, seven days a week, 24 hours a day.

In most cases, they are available to help those who are facing jail time, so that those needing them can be given help that is needed, and in a timely manner. When needing a bail bond, one is also given confidential and free consultations with a proficient and professional staff.

Should you or a family member get into trouble with the law, you would not want to be locked up in jail. Making bail can sometimes put an unnecessary burden on you or your family and struggling to get the cash can be overwhelming and challenging.

Should you or a loved one end up in jail during your trial, the judge or jury will get the impression that you're guilty of the crime committed and that is not a perception you want. That is why, if you can't afford bail, then a bond is what you need so you can be free to attend the trail.

Amounts usually range from several hundreds of dollars to thousands of dollars. There are many who don't have that kind of money. So, should you ever need them, here is the procedure.

First, you pay a small amount of money to a person who is known as a bondsman. Often this amount is 10%. Then, the bondsman makes sure that you or your loved one is released from jail and then pays the rest of the bill. The bondsman will work with you to ensure that the one accused-be it you or a family member-- will show up for trial.

Most companies accept cash, Visa, MasterCard, checks and Discover cards. In addition, there are also easy payment plans available to help you with this experience. At some locations only five to ten percent of the bond is put down. There are also dependable and accessible representatives that are available to help you understand the steps needed to get you through such a trying situation. And, the paperwork is also taken care of for you.

So, if you find yourself in trouble, don't wait. No matter what kind of services you need, you and your family will find peace of mind and your financial responsibilities will be met.

Here is an example of how the procedure works: For instance....

* You find out that the bail is $20,000.
* The cost of the bond will be $2,000 (This is called the Premium)
* You will not get the $2,000 back
* The person walks out of jail and the $2,000 is spent.
* If charges are not filed, will not get the premium back--$2,000
* If the case goes on for months to a year, the person to whom the money was spent on will be able to be free and live a normal life between court dates, instead of being locked up.
* In the event that you give anything as collateral to help pay the bail bond, you will get back whatever you give as collateral once you or a family member has been exonerated and the account is paid in full.

Friday, June 11, 2010

Maryland - Re-Fighting the Civil War in Song

There may well be a number of reasons why we might need to rewrite the words to our state song, Maryland My Maryland, but the reasons given by state delegate Pamela Beidle ( D Anne Arundel ) and others are not among the valid reasons. They reflect the belief in an incorrect history of the United States that reads more like the old westerns where good and evil were distinct and a moral parable was part of the story.

As a Southerner, who had family that fought for the Confederacy, let me assure you the history of the South is of a much richer fabric than that told in our national narrative. If we Southerners had not been so obliging, our nation would have had to create the South so we would have a reason for why a nation that began its life by asserting that," All men are created equal," had tolerated the abomination of slavery for so long.

If one seeks to really learn you would understand that these parts of one nation are like two seperate and dinstince parts of a national character that is part of our ongoing tapestery as a nation. The South is the repository of our feelings in there rawest form , our desires and passions that often lead to aggression. The North is the rational, scientific part of our nature, cold impersonal but often too, our conscience, reminding us of the gap between our ideals and our reality. In psychological terms these two parts of the psyche are in conflict so a national struggle was inevitable.

Howard Zinn, the historian once said all history is someone's propaganda. American history is no less susceptable to this analysis. A case in point is our belief in the fiction that somehow indentured servitiude and slavery were two very different entities. We pretend that White indentured servants sold their labor while Black slaves were sold as people.

In point of fact they were the same job, the same working conditions, the same auction block, the same transport in chains unwillingly to the new world. The difference is merely historical fiction. Couple that with the census records that show 4,000 African Americans owned slaves at the start of the Civil War and records that show as many as 60.000 African Americans were part of the Confederate army and the narrative as told in high school history class begins to fray.

The beginings of the Race arguement stem from an incident that gets short shrift from our nations histories but deserves a far larger place in our history for it is after this event that the seeds of segregation that lasted into the later part ot the 20th century began.

In 1676 Nathaniel Bacon led a rebellion of white and Black servants fighting equally beside each other. At one point in 1676 they had thrown Gov. Berkeley and the rest of the wealthy planters out of Virginia and burned the capitol at Jamestown to the ground.

When order was finallly restored with the aid of the Royal Navy the wealthy planter class had been shaken to their very core. To prevent this sort of thing from ever happening again they utilized a racial divide and conquer policy of segregation that lasted to the 1960's. They forbade Black's and Whites from having contact with each other. They freed their White servants and put some of them in charge of the Black servants. The wealthy began an appeal to whiteness, not out of inherent racism, but to maintain their political and economic power.

In the South Race has been used to distract Whites and Blacks very much like a pick pocket uses a bump so you will not notice as they pull out your wallet. By pitting Blacks and Whites against each other economically, and appealing to fear wealthy White elites have maintained control of a region since the Civil war and reconstruction, that has left the South in a condition much more like a Third World nation than a part of America.

You do not affirm black history by denying the history of working class White America. The fact that the Politically Correct version of history is still a race biased history doesn't dawn on them. One truth is that maybe instead of race the motivation was economic and therefore is no different than the employment of illegal aliens today to avoid paying good wages, observing work place safety, hour and wage laws and U. S. tax laws. with the reason being finding the cheapest labor.

But lets face it it is always easier to rewrite a song, clap ourselves on the back and pretend we have struck a great blow for human rights and call it a day, then it is to question the economic foundations of this country for the last 350 years that has always needed someone to exploit for cheap labor to the great profit of a narrow few.

Thursday, June 10, 2010

The Projected Cost of Hiring a Personal Injury Lawyer

This is probably one of the most daunting aspects of recruiting and hiring a Lawyer. There is the inept fear of hiring a personal injury attorney because of the fees that come with hiring one. Will the cost of hiring an attorney out-weigh the return of the case? Can I afford to hire an attorney? These are just a few of the many questions that many of us must face when considering an attorney. Rest assured that most personal injury lawyers will accept a case based on a contingency fee. So, don't let this become a deciding point in seeking justice in your personal injury claim. If you truly have a claim and you feel that you are not being treated fairly, seek out the aid of legal counsel. The contingency fee is quite simple. This is a predetermined amount of compensation that is due to the attorney if you, the plaintiff, are awarded compensation from the case. This fee is only due if the case is one. However, with this said, you may be responsible for certain fees associated with the case such as a filing fee. The filing fee is paid to the court in which the case is filed. This fee would even be due if the case is not won. This tends to be a mute point because most personal injury cases never go to court and tend to be settled out of court once both parties come to an agreement. In other words, no filing fee would ever be charged. Be sure to always discuss this with your attorney so that you will know and understand all possible fees.

The contingency fee is predetermined before the attorney will accept your case. This fee varies among lawyers, as well as, state to state. It usually ranges from 33 to 40% of the compensation that is awarded at the settlement (of course if your case is won). There may be some flexibility with the fees that an attorney charges. Some attorneys may allow you to negotiate with them in deciding a mutually agreeable rate. Top rated personal injury lawyers' fees tend to be non-negotiable. However, it can't hurt to try and negotiate their fee. The worst they could do is to say no. If you don't ask they will definitely not give you a reduced rate. So, be sure to ask. You never know until you ask.

Wednesday, June 9, 2010

How to Maximize Returns From Your Business

Michael Gerber's book, The E-Myth, is considered one of the most important business books written in the last 100 years. In this book, Gerber says that time is the most precious commodity for business owners. The idea that success is only gained by long and hard hours spent working is a myth. For the twenty-first century entrepreneur, it is necessary to work smarter, not harder. An entrepreneur can accomplish this by delegating tasks, like ordering office supplies, and focusing instead on the job of getting and keeping customers. You Must Work 'ON' Your Business, not 'IN' Your Business. If you truly want a successful business, you cannot and should not do everything yourself (or in house).

Be an Entrepreneur not a Technician

You cannot and should not do everything yourself! Many entrepreneurs struggle when differentiating between lower-paying administrative tasks and high-income generating business growth oriented work. Essentially, time that a business owner spends on administrative duties is a lost opportunity because the owner has less time to develop the company. An entrepreneur focuses on generating income and hires others at a lower cost to maintain what already exists.

Standardize Business Practices

Every business must standardize daily practices or the company will maintain a constant state of chaos and ultimately lead to customer dissatisfaction. Many aspects of an existing business can be reduced to a step-by-step procedure that is repetitive and easy to understand. An operations manual that explains every business function in detail is great because it guides new employees, acts as a reference for existing employees, and maintains a strong company identity. Every single business, no matter how large or small, must have a 'systematized' way of doing things. Otherwise your business will operate in constant 'chaos' which will ultimately lead to customer dissatisfaction, and probably the failure of your business. A great example of excellent business systems is McDonalds. They have systematized every single aspect of their business so that any new franchisee can open up a McDonalds restaurant and their customers will have nearly the same experience as they have had at any other McDonalds restaurant across the country.

Delegate and Focus on Getting and Keeping Customers

The most successful and well recognized businesses have embraced the advice above. Delegation of menial tasks aides in entrepreneurial efficiency and maximizes earning potential. The best business owners know they cannot waste their talents on mailroom work and must instead use their time to focus on the future of their business.

You see, to turn your business into a thriving enterprise you must:


Be focused on growing the business and not each of its individual activities.
Clearly separate the organizational functions as Type I or Type II.
Set up systems that make the business continually more efficient.
Delegate -- that means hand off work and/or hire someone else who is probably far more capable in that area than you are. The true definition of an entrepreneur is a 'Rainmaker' and a CEO is the 'Visionary' responsible for seeing that the job gets done, not necessarily the person who does the job.

Stop and ask yourself regularly, "Can someone else do this job cheaper and more effectively than I can?" If the answer is "Yes," then delegate the job! It's really that simple. The only thing a business owner should focus on is getting customers in the door and keeping existing customers happy. All other WORK should be delegated!

Tuesday, June 8, 2010

A Brain Injury Lawyer Talks About E-Filing

In every litigation matter, the courts require that certain documents be filed with the court. This includes the document you file to initiate the lawsuit, all motions, petitions, pleadings and stipulations. Until recently, filing was done in person, by mail or through filing services.

It is becoming more common for the courts to require electronic filing of documents. In federal court this is already mandatory for attorneys. If the court in which your litigation is pending requires e-filing, you must learn the procedure. You may have to purchase a program like Acrobat Writer to create documents in PDF format.

It took me about two hours to figure out how to e-file in federal court. The Court of Common Pleas of Philadelphia is rapidly moving toward e-filing. It will be interesting to see how efficiently the new system is put into place. Once you clear the hurdle of learning the system, e-filing is a real time and money saver.

Another big advantage of e-filing is that you can file at the very last moment. If a certain document must be filed by no later than July 30, you don't have to worry about overnighting the document on July 29. You can e-file up until 11:59 p.m. on the 30th. Check your court's website for details about e-filing.

In Federal Court, e-filing is already mandatory for lawyers. If you don't have a lawyer, there may be more leniency. You can expect the same from the state courts, although each one has it's own policy.

Monday, June 7, 2010

Military Divorce and Legal Separation

My husband is in the U.S. Army and has asked me for a legal separation, what, if any benefits would I still be entitled too if we were separated? Also my husband is being rumored to be sleeping with a married woman to whom he serves as a team leader he's an E-5 she's an E-2, how much trouble could this cause him if this rumor spreads to the wrong people. They both deny it, and I know it to be untrue.

As a separated spouse, you would be entitled to all the benefits that you currently have as a married spouse. There are only two kinds of people in the Army -- married and single(never married/divorced/widowed) - separated is not a separate category, as you are still married. However, separation does give you one benefit that you do not currently enjoy. As a married spouse, your husband is supposed to support you, but he may choose not to. As a separated spouse, you are entitled to a certain level of support. Essentially, unless you have a court order that says otherwise OR you sign a separation agreement, he must (assuming no other children or ex-spouse he is supporting) pay you the full amount of his Basic Allowance for Housing, or provide you in-kind support (such as housing or groceries, etc) if you agree. Other than that, you are still entitled to medical care, the commissary, PX, and all other benefits.

It is important that you see the Legal Assistance Office of your Staff Judge Advocate's office if you and he intend to separate to preserve your legal right to the monetary support to which you are entitled. This assistance is free, and you will be assigned your own attorney who represents you alone, and not you and your husband. Ensure that, if you do separate, you get a fair accounting and distribution of property. Before you sign anything, make sure you fully understand it. You can share all of the information with your attorney, who will be bound by attorney-client privilege not to disclose any of the information you provide without your consent. Army attorneys in legal assistance work for you, not for the Army as their client. Of course, ask your attorney to reiterate his obligations, but he (or she) will tell you as I have.

He cannot turn your husband in for having an affair, but you may use that as leverage in getting a divorce on your terms in the way of property distribution and support. In many states, adultery is grounds for a quick divorce with no separation period. The attorney works for you, will advise you on your options, but works for you, and will keep your information private unless you consent to it being used.

As to the rumors, if they reach official ears, he could be investigated to determine whether it is true. Potentially, he could be court-martialed (although unlikely) or given an Article 15 for adultery. However, to prove adultery, usually one or the other must confess or they must be caught having sexual relations. There are other offenses, though, if he is in her chain of command. He could be relieved of his position and have other administrative consequences. And those are only the official consequences -- unofficially, it could cause the rest of his unit to look differently at him and lose respect for him. It is best to try and squelch this rumor as soon as possible.

Sunday, June 6, 2010

The Magical Power of Love

Is Love an Over-Rated Emotion?

It makes me feel sad when I hear people (especially the younger generation) openly declare that 'Love' is an over-rated emotion. I'm not surprised to see that, in the present times, some people have completely lost faith in Love, and, in the power it wields, to change the world. Life, sometimes, does take a toll on the mental health of people by digging its cruel jaws in the human spirit, leaving it completely disillusioned. Over the time I've realized that if such imbalance / disharmony, on the spirit-level, is not taken care of as soon as it starts surfacing, it can turn 'disillusionment' in to either severe depression or barbarism. The negative effect, so to say, can go either way, creating suicidal maniacs or hard core criminals. In both cases we can see one significant element missing in lives of such people and that is 'Love'.

The more I delve in to human lives, the more I am lead to believe that 'Love' is the only powerful tool which has the potential to change the face of this planet. The magical power of love creates harmony between man and every element of Nature, and its paucity, destroys the very spirit of life. It's ultimately the lack of love which gives birth to criminals, unruly children, marital discords and contemptuous relationships at work and at home. It seems we all need to work, essentially, on our Heart Chakra so that we are able to receive and give love to all those around us. I, usually, advocate the importance of keeping all seven Chakras open using techniques mentioned in my earlier hubs (quick links given below), but when I see people around me, living a life devoid of love, I feel more driven to fill their hearts with love so that they are able to perceive this world in a way God intended to create it. Imagine how beautiful and fulfilling it would be if each one of us resonates with the energy of our Creator and bathe in His eternal light.

The Naked Spirit

A few days back I finished reading a book titled 'The Naked Spirit' by Jon Whale. One of my friends had gifted it to me and I feel grateful to him as he lent me an opportunity to read such a perfect blend of science and spirituality. Till the time I hadn't read it, I didn't know that science had answers to some of the most abstract beliefs that are related to spirituality. It was amazing to learn how and why the energy centers, commonly known as 'Chakras' (which I keep mentioning time and again) play a role in maintaining physical and mental health of a human body. The book is a perfect answer to all the readers who have been bombarding me with questions like..."What is the anatomical significance of Chakras? Do they really exist? How can you believe in something which you can't see? Are you inclined to spirituality because you've been a lawyer for a long time?" (Possibly they had 'Monk who sold his Ferrari' in mind). Lol.

The most interesting observation of the author is that we humans have an energy epicenter which he has coined as 'Assemblage Point'. It originates in the womb, with the umbilical cord and then moves towards the chest after birth. As per the author, it remains there as long as we are in healthy mental and physical state. He goes a step ahead in relating the assemblage point to the 'personality types' and even gives ways to work with the assemblage point for getting the desired results. The best part is that all his observations are backed by case studies that make the entire thing even more credible. The Book merges chakra activation, different levels of consciousness and graphology in one simple, yet scientifically complex recipe. It gives an amazing overview of the position of assemblage point at the time of death and explains the process by which it exits the body (navel or the crown) depending on the level of consciousness of the dying person. It is an easy-to-understand book mainly due to lot of illustrations, charts and tables provided by the author. I strongly recommend this book to all those who keep looking for the scientific explanations for the 'Unseen' and the 'world beyond'.

Saturday, June 5, 2010

States With No Income Taxes & States With Low Property Taxes

Real Estate Investing & Property Tax Rates

In the United States, property tax is assessed by local government at the municipal or county level. The property tax assessment is based on two values--the value of the land, and the value of the building. Since property tax is calculated at a local-level--and since changes occur frequently--it's tricky to determine the exact spots where property tax is the lowest. However, the following information should help you locate areas with high appreciation AND low property taxes.

Which States Have the Lowest Property Tax Rates?

County tax rates are often averaged into a single figure, and this number is used when comparing property taxes between states. Surprisingly, Wyoming has the lowest property tax rates. Unfortunately, property values in Wyoming tend to be pretty depressed, due to low population influx and a lack of jobs. Also, Wyoming does not rank highly when it comes to appreciation rates for residential and commercial real estate. Just because an area has low property taxes does not mean it will be the best area to invest in (or relocate to).

What to Look For When Investing

Look for an area that has a consistent rate of real estate appreciation, combined with fairly low property taxes. Often, local property tax rates are low because real estate appreciation in the area is low--so you need to be careful. Cities located next to universities and areas where businesses are relocating are usually excellent spots to buy real estate. Paying attention to population growth can help you spot real estate trends and make wiser investments.

Medium-Sized Cities With the Lowest Property Tax Rates

According to data gathered by the Office of the CFO in Washington, D.C., the following cities have the lowest property tax rates in 2006, based on an annual income of $75,000. Assuming you earn $75,000 annually, here are the property tax amounts you would pay in each city...

Birmingham AL -- $988

Cheyenne WY -- $1,108

Phoenix AZ -- $1,248

Wichita KS -- $1,309

Denver CO -- $1,362

Charleston WV -- $1,395

Oklahoma City OK -- $1,538

Kansas City, MO -- $1,595

Little Rock AR -- $1,648

Louisville, KY -- $1,713

Jacksonville FL -- $1,744

Honolulu HI -- $1,781

Billings MT -- $1,864

Salt Lake City, UT -- $1,904

Virginia Beach VA -- $1,918

Jackson MS -- $1,971

Charlotte, NC -- $2,021

Boise, ID -- $2,176

Columbia SC -- $2,214

Las Vegas NV -- $2,225

Sioux Falls SD -- $2,228

New Orleans, LA -- $2,231

Wilmington DE -- $2,416

Memphis TN -- $2,501

Albuquerque NM -- $2,517

Houston TX -- $2,861

The Connection Between State Income Taxes & Property Tax Rates

States with no income tax (see list below) usually have high property tax rates in their respective counties (The state needs to get its revenue from somewhere!). However, the trade-off is that you will have zero taxes on all earned income. This can be a huge advantage. Instead of paying the state 7 to 15 percent (or more) of your income, you can keep your hard-earned money, and invest it back into real estate or other investments. There are currently nine states that do not tax income at the state level.

States With No Income Tax

Alaska

Florida

Nevada

South Dakota

Texas

Washington

Wyoming

New Hampshire*

Tennessee*

*New Hampshire and Tennessee do not tax earned income, but they DO tax capital gains (dividend and interest income).

How To Find the Best of Both Worlds: Low Property Tax & No State Income Tax

If you're looking for the best of both worlds (low property tax and no state income tax), you may want to consider the following cities:

Sioux Falls, SD

Houston, Texas

Jacksonville, Florida

Memphis, TN

Cheyenne, WY

Las Vegas, Nevada

You can also explore less well-known cities in the nine "no-income-tax" states. Smaller towns and cities generally offer "quality of life" advantages, and higher-than-average price appreciation and growth.

Conclusion

Now you know which states don't tax income, and which areas have the lowest property tax rates. Armed with this knowledge, you can focus on finding the best spot for your next home or real estate investment.

Friday, June 4, 2010

How to Determine When You Need Professional Tax Help to Resolve Your IRS Problems

Taxpayers may always represent themselves before the IRS. However, many taxpayers find dealing with the IRS frustrating, time-consuming, intimidating or all of the above. The one advantage of taxpayers representing themselves is that they will save professional fees. And for most taxpayers this is no small matter. However the amount of fees saved may be dwarfed by the actual tax settlement. In this case, the taxpayer must look at the total financial picture to determine how much money they may be leaving on the table if they do not have expert representation. In this case, the age old adage, "Penny wise and pound foolish" should be top of mind. There are many disadvantages of a taxpayer representing themselves.

First of all, the taxpayer does not have the professional's expertise and will not know the tax relief options available or how to get the lowest settlement allowed by law. For instance, if you are considering applying for the IRS Offer in Compromise program, it's important to note that 4 out of 5 Offers in Compromise submitted by the taxpayer are rejected by the IRS. Additionally, many taxpayer-negotiated settlements offer the IRS much more than is required by law. Secondly, working with the IRS can also be very emotionally draining- and the taxpayer may be too frightened, frustrated or intimidated by the IRS to effectively or comfortably to negotiate a settlement. Most taxpayers are far happier to keep their distance from the IRS and prefer to leave the sparring to their advisers. However, dealing with the IRS is not always as painful as you may imagine. In fact, most IRS officers are reasonable and helpful, particularly when they see you are making an honest effort to resolve your tax problems.

Another drawback of taxpayers working directly with the IRS without professional representation (tax resolution firm, specialized tax attorney, etc) is that the taxpayer may slip up and inadvertently make statements that can make the problem worse - and perhaps trigger an audit or even criminal prosecution. Professionals know where to draw the line. The taxpayer may make statements that can create tax liability for their spouse or business associate. And finally, the taxpayer takes valuable time away from their work and family to wrestle with their own IRS case. Doctors, dentists, lawyers, executives, successful business owners, and other high-income taxpayers will do appreciably better paying a tax professional while they more profitably pursue their own occupations.

Thursday, June 3, 2010

Timeline For Foreclosure - How Much Time You Have to Save Your Home Depends on Your State Laws

The timeline for foreclosure depends on the laws of your individual state. For instance, foreclosures can occur as quickly as 30 days in Alabama and take up to 10 months in Delaware. This article gives you the approximate timeline for foreclosure in each state.

Alabama - 30-60 days
Alaska - 90 days
Arizona - 90 days
Arkansas - 120 days
California - 120 days
Colorado - 60 -180 days
Connecticut - 60-150 days
Delaware - 90-300 days
Florida - 180 days
Georgia - 90 days
Hawaii - 60 days
Idaho - 150 days
Iowa - 150 days
Illinois - 210 days
Indiana - 150 days
Kansas - 120 days
Kentucky -- Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
Louisiana - 60 days
Maine - 90 days
Maryland - 60 days
Massachusetts - 90 days
Michigan - 60 days
Minnesota - 60 days
Mississippi - 60 days
Missouri - 60 days
Montana - 150 days
Nebraska - 180 days
Nevada - 120 days
New Hampshire - 60 days
New Jersey - 90 days
New Mexico - 120 days
New York - 120 days
North Carolina - 60 days
North Dakota - 90 days
Ohio - 150 days
Oklahoma - 90 days
Oregon - 120-180 days
Pennsylvania - 90 days
Rhode Island - 60 days
South Carolina -- Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
South Dakota - 90 days
Tennessee - 60 days
Texas - 60 days
Utah - Varies greatly because individual Judges set time rather than having a statutory timeline for foreclosure.
Vermont - 210 days
Virginia - 60 days
Washington - 120 days
Washington, D.C. - 60 days
West Virginia - 60 days
Wisconsin - 90 days
Wyoming - 90 days

These time periods are general guidelines from the date the Notice of Default is entered to the time of the auction of the property. The timeline for foreclosure listed above does not include any Redemption Period.

A Redemption Period is a time when homeowners can buy back their property at the auction price. Only about half of states have them and they range in time from 10 days in New Jersey to a full year in Ohio.

During the timeframe listed above, the homeowner can take a number of steps to stop foreclosure. They can bring the payments current, sell the property either through traditional means or a short sale, get refinancing, or turn the home over to the lender in a Deed in Lieu of Foreclosure.