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    Where to exchange the iraqi dinar in the future

     

    "There are a lot of places where I can buy Iraqi dinars, but where can I sell them?" I get this question in my mailbox on a daily basis. To explain this best to you let me first begin explaining why this opportunity even exists. You can buy dinars everywhere because this is not a common currency yet. They are 'just' a pack of printed paper. That is the key to trade and sell them freely, by anyone. If this was an accepted currency from the day it was printed this 'money loophole' would not even be known. The reason is simple: Governments do not allow currency exchange unless you are a registered corporation. That is also the reason why this is a time limited opportunity! Here is why: As soon as Iraq gets his act together, the World Bank is going to review Iraq's status and when they think it is stable enough it will be accepted. As soon as that happens you will be breaking the law trying to sell dinars! "Now what has this got to do with selling my dinars?" Everything! After acceptance by the world bank, all the banks in the world will follow and you can excahnge them there! Just as you would sell your euros or yens after a holiday.

         
    Which one s for you

     

    What are the different types of life insurance? There are mainly two types of life insurance, which is term life insurance and permanent life insurance. Term life insurance is a type of life insurance that only pays out if you die during the specific period of time that the insurance covers you for. Some term insurance policies can be renewed when you reach the end of the term, which depending on the company or policy can last from one to up to an amazing thirty years. Permanent insurance provides lifelong protection. As long as you pay the premiums, the death benefit will be paid. These policies are designed and priced for you to keep over a long period of time. Permanent policies are known as whole, ordinary, universal, adjustable and variable life. What are the advantages and disadvantages of term and permanent insurance? The following lists will at least offer a starting point to help you determine which type of insurance is best for you. Term Life Insurance: Advantages 1. Initial premiums are generally lower (i. e. cheaper) than for permanent insurance, which in turn allows you to buy the higher levels of coverage at a younger age, which is often when a good policy is most needed. 2. It's good for covering needs that will disappear with age, such as student loans, car loans, and mortgages. Disadvantages 1. Premiums increase with each passing year. 2. Coverage may terminate at the end of the term, or simply become too expensive to continue. Permanent Insurance: Advantages 1. As long as payments are kept up to date, the protection is guaranteed for life. 2. The policy accumulates a cash value against which you can borrow. (Note: there are some technicalities with that, so make sure to discuss all possible issues with your insurance company before taking this route). You can borrow against the policy's cash value to pay premiums or use the cash value to provide paid-up insurance. 3. A Provision or "rider" can be added to a policy that gives you the option to purchase additional insurance without taking a medical exam or having to furnish evidence of insurability Disadvantages 1. Required premium levels may make it hard to buy enough protection. 2. It may be more costly than term insurance if you don't keep it long enough. As with anything as complex as insurance, there are many other factors you will want to take into account before making a final decision, but with this as a starting point you will be on the right track to making the right decision when it comes to your protection.

         
    While opting for home equity loans one must be aware of scams

     

    A home equity loan is based on the equity of the home, and will also be calculated accordingly by the lending institutions to the borrowers. There are various types of home equity loans, and they must be chosen according to the capability of the debtor to repay the bank. Since the home is the biggest asset anyone can own, the individuals will naturally have to think twice before approaching any bank. Sometimes the home equity loans offered will have extra charges, and the borrower must not blindly agree to the terms of the lender. A lot of financial advice must be sought by the borrower before taking the plunge, as sometimes there may be hidden costs that he will be unaware of. While signing the papers with the lender, the borrower must be aware of what he is doing. At all the points during the process of applying for the home equity loans, the borrower should be very honest with the lender about his financial status as well as the amount he can pay monthly. If the lender is genuine, then he is most likely to advice the borrower about how much money he can take based on that. The borrower must also ensure that he will be able to pay the monthly installments. Not only should he be available to pay the installments on time, he should be able to have the amount every month so that he should not default in the payment. Since a good credit history is needed for this kind of loan, the borrower must be truthful with the lender even if there are a few hurdles. If he is, he will make sure that he is being eligible for the loan. While opting for a home equity loan, it is better for an individual to take the decisions on his own terms. He must not allow any agent or anyone else into forcing him to take the loan, as there may be certain hidden aspects to it. As much as possible the borrower must approach the bank directly, and they will guide the person to the correct department even if the top officials are not available. The deeds of the property are the most important of the papers. Without the consultation of any legal advisor, a borrower must not blindly hand over his papers to anyone. He must also question the lender as much as possible, and if it’s with the help of a legal advisor it is even better. Today there are several quick ways to decide upon the home equity loans. There are several websites that deal only with home equity loans, and they will be able to calculate the amount you need, with the interest and the monthly installments too. This will be helpful, as it will guide the person into deciding whether the loan is actually required or not, and whether he can pay back the amount. All other information about the best lending companies are available too.

         
    Who else needs a gimmick free approach to financial freedom and success

     

    We all have some common problems which are very serious. By this article I would like to raise the awareness and then propose a solution which will be beneficial to anyone who's interested. Please allow me first to create the context for this: It is clear to all of us that we live in a troubled world. We can all agree on that. Whether we are talking about individuals, organizations, systems or governments, it seems that the rule of law, the concepts of traditional values, decency and respect are all being pushed aside in favor of short term gain, control and easy or quick enrichment regardless of the consequences. How do we manage in such a 'dog eat dog' world? It seems that there are two general concepts we must embrace to not only survive, but to thrive in such a lawless and threatening environment; A) We must 'Get Ahead' B) We must then find a way to 'Stay Ahead' Lord knows that when you look around and read the headlines that are telling us: ====== terrorism is rising the tax man's appetite is becoming more voracious huge banks are reporting losses in the billions the trillion $$ mortgage industry is upside down big brother is tightening his grip jobs are being exported credit is tightening recession is looming ...this environment spells trouble for the masses. If you are one of the masses, you are in trouble! The masses have virtually no ability to help themselves with individual creativity and independence so they look to government for help and the cycle or dependence intensifies and trend worsens. God help us all ! So what's a person to do to escape from the herd of lemmings diving off the cliff? First, you must re-align your thinking in a way that creates a new paradigm for complete self reliance. Nothing short of complete personal independence and sovereignty will do. This is paramount. Continue doing what you've been doing and you'll continue getting what you've always been getting. You MUST break from the 'herd' mentality. Then, you need to immerse yourself in the knowledge that you will need to acquire the skills required for the job. This knowledge will enable you to accomplish your goals and feed your new paradigms of personal self reliance. This will involve and include new ways of doing business, managing finances, creating wealth, preserving wealth, accumulating savings and resources much faster than 'conventional wisdom' would ever allow. But that's only the finances part. You must also break free from the pharmacological medical monopoly that ensures poor health. You must break free from the legal entanglements that ensure your slavery and the list continues. Do this and you have at least started the process in an important way. The problem is the 'how', right? Or maybe the 'where' as in 'Where' do you find the resources, the people, the mentors the knowledge systems and support for such a massive personal transformation? I won't beat around the bush. Here is where you do it if you're serious about getting results as soon as possible: The Venture Resources Group. Get with your referring member and get started now, so you can attend the live conference coming up soon in Panama. Unfortunately, not everyone is ready financially for The VR Group. It's an exclusive program and we recognize that it takes some preparation and financial capability to benefit right away. This is where my Special Announcement comes into play. I am very pleased to announce that VR Group has formed an alliance with the Continental Savings Club which accomplishes the following for you; You can start learning about what freedom requires taking some small beginning steps. You can start associating with like minded individuals for next to nothing You can start putting yourself in position to crank up your financial prowess with everything to gain and nothing to lose. You can position yourself to participate in VRG (a $1500 program) for only $99 one time. With the Continental Savings Club you can easily share this critically important news with virtually anybody you care about. Follow traditional thinking and you are in trouble! Conventional wisdom is not cutting it. You either break yourself free from 'business as usual' or you go down with the ship and risk your family's future with you. The ball is in your court! It's all up to you and the decisions you make for yourself. We invite you now, to participate in the Continental Savings Club. It's simple, it's easy, anybody can benefit. Check it out for yourself. Opportunity is knocking !

         
    Who else wants access to real private banking solutions

     

    As a middle aged, middle class, married, business owner, father of 3 (one in college….argh) freedom seeker, I have sought for many years to establish the knowledge, the relationships, and the resources needed to make a lifestyle of financial privacy and freedom available to me and my family. One of the most frustrating and problematic areas to resolve successfully has been that of how to establish a private banking relationship, for someone of moderate means, in today’s world of intrusive financial surveillance. Many have found that without doing something “shady” or “under the table” or downright illegal, and having to constantly be looking over your shoulder to see who is looking, having a workable private banking solution is, in real life, unattainable. But I have found something that simply works... If the above statement does not suitably impress you, perhaps you are not fully aware of what it takes to accomplish this in this day and time. Just because I said it is simple, do not underestimate the value of this “gem”. If you think it’s easy to find something that actually works...you have not tried...end of story. The Continental Trust and Credit Union has been the long sought answer to the banking relationships I required. But before I give you a brief review of it’s qualities and benefits, let me stress that I am not talking about just going out and opening an offshore bank account. In my opinion, this is not a valid and workable relationship. First, unless you intend on having assets of less than $10,000 USD (I am talking about US citizens here) you are required to report this account; and secondly, anything with your name attached to it in the banking system is discoverable. Just having an account in a supposedly sovereign jurisdiction that will “keep your information private” is not good enough in todays financial landscape. Suffice it to look at the large number of “high rollers” who tried to “hide” a good portion of their assets this way and got in a good deal of trouble. This is not the way to do it; it’s not what I want, and I will presume it’s not what you want. “Hiding” things and privacy are very different arrangements, and you want to be involved in the latter….legitimate, legal, secure, workable financial privacy! With that being said…let’s take a look at this treasure I have found… The Continental Trust And Credit Union is a private savings and loan association domiciled in Stockholm, Sweden and registered in accordance with the Economic Associations Act (1987:667). The activities are regulated by the Swedish Banking Act (2004:297). As a legally designated 'Ekonomik Foerening' (EF) it is essentially a Savings and Loan association. Under the law that regulates Continental Trust, provided that it does not solicit to the public and keeps its membership 'small' by legal definition, an EF is exempt from the standard banking regulatory regime and the only reporting required is an annual tax return filed on net profits. What this means is that this type of an organization is basically not required to report anything regarding its membership or financial transactions...ever! This is as good as it get’s! Now this does not mean you can get away with criminal activity, because if you give governments or courts a legitimate reason to come after you, they can eventually get just about any information they want...but as far as financial privacy, this is off the grid. This is a legitimate type of organization classified by the World Bank as a Non-Bank Financial Institution and recognized as “having an important role in a balanced and diversified financial sector”. In other words, it’s not some shady deal that you have to worry about being under the table. All of its officers have had background checks, the books are audited annually by a major, well recognized auditing firm. That’s the legal stuff...now as far as its usability and benefits...here are the major points: • Full internet access to accounts and built in secure message system • Internet security system twice as good as most major banks (Regarding security; Account data is held not only in secure and stable Linux servers with all the appropriate firewalls, but is then maintained on powerfully encrypted hard drives which are not on the same server as the web page but are instead, held and maintained very privately and secure half a world away. The domicile, banking, secure servers, web servers and administration are all conducted and compartmentalized from different parts of the world making Continental Trust one of the most secure operations of its kind in existence today.) • So designed that even if the webserver were hacked, no information could be accessed • Transfer accts. for general in/out activity by wire transfer or by transfer to linked private International Secured Mastercard Program (no spending limits except for the balance stored) • Credit card, not debit card; much more useful in situations such as car rental etc. Funds accessed by: • merchant purchases • ATM withdrawals • Wire transfer • Bankers draft • Savings Accounts with 9% yearly earnings • CD’s yielding from 1%-2.5% monthly (that’s right…monthly; excellent passive investment) • Minimum initial deposit is 2500 euro. • Loans against capital or real estate My experiences with CTCU have been excellent. The communications with the staff have been prompt and professional. The treatment I receive is as a person, not a “number”. The one small problem I once experienced was when opening a trading acct. The trading institution would not initially accept the wire transfer because it was sent from another institution than what was named on the account. This is actually how this kind of organization works, it’s clearing of funds is through a separate bank. The problem was easily resolved by the staff sending the proper documentation showing that the CTCU account was in fact the initiator of the wire transfer. Problem solved! The other thing you need to know is that access to the Credit Union is by private membership only...you must be a member of the private business group Venture Resources Group. There are other benefits as well to becoming part of Venture Resources Group as they are experienced professionals in the international arena, but I will not go into that here. The last thing I will point out, is that CTCU is still fairly young and it’s deposits and ability to do other things in the financial world is comparatively small…but growing. So there you have it as best as I can put it. More detailed information is available from the Venture Resources Group and guest login codes to access all the information on the Continental Trust And Credit Union website are available upon request. I sincerely hope that this article and the information it contains are of great benefit to you and can give you a sense of financial confidence that here, finally, is a solution to what you may have been looking for... as it did for me. Important Note: A pre-requisite to having this kind of financial privacy is to establish working relationships with properly formed and maintained international entities. For the purposes of this article, I have assumed that you understand this, and have access to this kind of knowledge and relations. If you do not, then allow me to refer you to Venture Resources Group where I know you can get reliable and reasonably priced access to them.

         
    Who is responsible for closing costs

     

    Buying or selling a home is a euphoric experience for both of the parties involved. This euphoria can cool when you learn which party is responsible for the closing costs. Who Is Responsible For Closing Costs When looking to buy or sell a home, every person eventually arrives at the question of funding closing costs on the transaction. To put it simply, both buyers and sellers typically are responsible for some of the closing costs. However, the exact amounts paid can vary significantly from area to area and depending on what agreements the buyers and sellers come to in the offer-counteroffer process. It is important to research the area you are looking to buy or sell in and be knowledgeable regarding any laws and standards of practice for the area. Yes, the requirements are different in each state and often each city. Know what you will have to pay ahead of time so you can be prepared to cover these costs. Here are some examples of what buyers and sellers generally have to cover. Buyers typically pay the following: fees charged for obtaining a mortgage; inspection fees; homeowner's insurance (must be prepaid for one year at closing); transfer taxes if there are any (although the seller may pay these or they may be shared 50-50 between buyer and seller); title insurance and escrow fees (varies depending on the location); and attorney's fees (if and where attorneys are involved in the transaction). If you are confused, a mortgage broker can tell you which fees are customarily paid for by the buyer in your area and how much they will cost. When buying a home, the use of mortgage brokers is highly recommended to both get a great deal on a mortgage and help with the transaction itself. The broker only gets paid if the deal goes through, so you know they will make every effort. Sellers' closing expense responsibilities typically include: loan payoff fees; the real estate commission (in some cases, a portion of this may be paid by the buyer); title insurance (depending on the location); termite repairs (this is negotiable in some areas); cash payments in lieu of repairs to the property; all or part of transfer taxes and escrow fees, if there are any; attorney's fees where applicable; and other fees set by local custom or negotiated during the transaction. Knowing and researching the area you are buying or selling in is critical to understanding who is responsible for closing costs. Educate yourself and you will avoid overpaying.

         
    Why

     

    : Many articles supply answers, but here I do not. Here, I ask the questions. If you want to rack your brains for finding the answers to these life conundrums. But, I warn you. Beware. These are not easy, and though somewhat hilarious and funny, they are real and true to life. Should I begin? Ok, here I go: 1) How come Tarzan has no bears even though he grows up with wolves in the jungle? 2) Why does glue not stick to the insides of the tube or can that it comes in? 3) Why do they use sterile injections when executing someone who is condemned to death? 4) Why do we press down harder and harder or the remote controls even though we know that the batteries are low? 5) Why is it that when someone hits us in the ankles with his supermarket trolley and then appologizes, do we say that everything is ok? I mean, things are not really fine. Why is it that we do not say that it hurts? 6) Why is it that whatever the color of the bath soap, the bubbles are always white? 7) Why is it that you will never find a day when mattresses are not on sale? 8) Why is it that online casinos always offer big prize money for their tournaments but never reveal the real name of the winner after the competition is over? 9) If human beings evolved from monkeys, why is it that there still are monkeys? 10) Why did the Japanese Kamikaze pilots wear helmets during the second World War? 11) Why does Superman stop bullets with his chest but, then, duck when the empty gun is thrown at him. 12) Why do banks charge a commission when you go into debt even though they know that there is no money in that account? 13) Why do people go back again and again to the refrigerator hoping that something new to eat will appear there? 14) Why do people move their vacuum cleaner over a thin thread lying on the floor, bend down, pick it up, examine it, and then, place it on the floor again and move the vacuum over it again? 15) Why do people believe it when they are told that there are more than four billion stars, but when they see a sign that says wet paint, they have to touch and check? 16) Why does a plastic bag not open at the end where you first try to open it? 17) Why do you never hear jokes about father in laws? 18) Why are there dead insects inside enclosed electric lamps? 19) Why is it that in winter we try and keep the house as warm as it was during the summer when back in the summer we hated the heat? 20) Why is it that every time you try and catch something that is about to fall off the table, you always hit something else and drop that instead? Conclusion: Life has many oddities and conundrums: some funny, some less. I have mentioned but a few. Think of more? Send them to me.

         
    Why bankruptcy may not always be the best option when in trouble

     

    It's a sickening feeling when your debts start to stack up, your marketing strategy is failing, and it doesn't look like you'll ever be profitable. Your family is getting stressed, your business can't pay its bills, and customers are starting to make angry phone calls asking why the things they paid for aren't happening. At this point, many people feel ready to throw in the towel. I'm here to tell you why you shouldn't be one of those people. A Proverb. There's an old Chinese proverb I'd like to share with you: the temptation to quit will be greatest just before you are about to succeed. Nowhere is this more true than in home business. You might feel like you're failing over and over again, until you feel like giving up. The paradox, though, is this: you haven't really failed until you've given up. Never Fear. If you really want to, there will always be ways to raise money for your company. You probably have all sorts of bills for things you don't use, not to mention possessions that could be sold or downgraded. Did you know that the average person has thousands of dollars worth of random stuff just lying around in their home? In other words, you can always find the money if you're really determined and not afraid of losing everything. The only thing you should really try to protect is your house and some money for basic food -- everything else is expendable. Never forget that the worst thing that can really happen to you is that you'll have to go out and get a job. Would that really be so tragic? Fear is your enemy in business. You cannot give in to your fear and give up before you've given it your all -- the real reason why so many home and small businesses fail is that their owners chicken out and run away at the first sign of trouble. The Captain Goes Down with His Ship. When the chips are down, the only thing to do is to stake your personal success on the success of your business. After all, what's the point in bailing out before you have to? You're guaranteed to lose money that way. Someone once told me that the difference between an average Joe and an entrepreneur is this: the entrepreneur will not give up on a business until his creditors come and take everything he owns. And even then he might try to hide from them and keep things going from his friend's basement. Don't Tell Customers. It might seem dishonest, but for goodness' sake do not tell any of your customers that things are going wrong because your business is in trouble. They will immediately run a mile, putting your business in a far worse situation than it was before. You must always try to make it look like everything is going just fine -- admitting problems will put the final nail in your business' coffin. Try a Voluntary Agreement. If your creditors are at the point of knocking on your door, you should try to get a voluntary agreement with them before you even consider declaring bankruptcy. This is when you negotiate your debts down to a lower level using the threat of bankruptcy, and your creditors sign an agreement with you to say that they will leave you alone once you've paid that money. The Absolute Last Resort. I simply cannot get across to you how much you should not consider bankruptcy as a viable option, ever, until you are absolutely forced into it. Think of it as being like suicide: the absolute last resort. Would you commit suicide because your business was going badly? I hope you answered no -- which means that you shouldn't consider bankruptcy either. Having had a bankrupt company stays with you for a long time in everything you do: your credit rating, your employment history, and even just in the way you think of yourself day-to-day. It's better to have everything wrestled from your hands than to give it up voluntarily -- otherwise you'll always be tortured by wondering what would have happened if you'd kept going just a little longer.

         
    Why bounced cheques mean bad business

     

    Small businesses rely heavily on maintaining a good cash flow and having their clients pay on time. So when half of the UK's small businesses are suffering from poor cash flow that is bad news for small businesses. Recent research shows that small, medium and large companies have had many bounced cheques. Micro companies, with less than 10 employees, have been less affected. One way in which this can happen is when someone pays a business by cheque for goods or services. The business pays it into their bank. The prudent business owner checks that the cheque has cleared and writes out new cheques based on the money that is in the business bank account. It later turns out that the cheque hadn't cleared at all and the business owner is now overdrawn and in debt. This means steep bank charges and makes it less likely that business facilities will be extended in the future. Understanding The Cheque Clearing System Most people know that a cheque takes anywhere from three to seven working days to clear. The date that a cheque clears depends on: 1. The currency that the cheque is in. Sterling cheques in the UK clear more quickly than cheques in French francs, for example. 2. Whether the bank that has issued the cheque is in the same group of companies as the bank the cheque is being paid into. Cheques usually take longer to clear when paid outside the banking group. 3. Whether the cheque is paid in on a business day. What most people don't know is that most banks 'clear' cheques when the normal clearing period has elapsed. This sometimes happens before the bank has verified that the funds are available. The bank makes the amount of the cheque available for withdrawal but it hasn't really cleared. Some unscrupulous people can use this to their advantage. For example, they could pay by cheque for goods or services, write the wrong amount on the cheque, ask for a refund and disappear with the money well before the cheque clearing process is complete. When the original cheque bounces, it is the small business that is left facing an angry bank manager and a large bill. Payment Help For Businesses Luckily, there are other ways for businesses to receive money from their customers. The first is the Banks Automated Clearing System (BACS). This is a secure system in which payments take only three days to clear. This system is commonly used to pay salary cheques directly to employee's bank accounts. A more costly system (with fees around Ј25 per transaction) is the Clearing House Automated Payment System (CHAPS). This system allows same day electronic money transfers. Business owners who are worried about being left with a large debt should consider getting their customers to pay by one of these systems where possible. This will reduce the high business cost of bounced cheques.

         
    Why buying and holding is dangerous to your retirement

     

    Copyright 2006 Equitrend, Inc. When someone tells you that the dam is breaking, do you just stand there and get washed away by the floodwaters? Why does the professional management industry give you that advice for managing your retirement? Why did trillions of dollars get lost in the millennium bear market due to the bad advice of passive money management? The Latest Research A study by three academics from the London Business School was recently reported in a great Wall Street Journal article titled "Long-Term Risk Is Underestimated," goes a long way toward debunking the myths of long - term investing. Professors Elroy Dimson, Paul Marsh, and Mike Staunton dispelled the buy-and-hold notion by observing, "not only can markets take a long time to recover, but also investors generally underestimate what the safe long-run period is to hold stocks." Just how dangerous this Buy & Hold myth can be is seen in another finding of the study, which is that "out of 16 major national stock markets, investors from only five would have been guaranteed positive annual returns over every 20-year period during the past century." That's pretty staggering. Most people feel it's a slam-dunk that they're going to win over 20 years. Of course, that presupposes they won't fall prey to another problem, which is survivor bias. It's quite possible that even if the market worked out over 20 years, the handful of stocks they picked might not, as most people who bought Internet stocks can now see clearly. The article also exploded one of the present-day myths. “You know, the market's been down three years in a row, and therefore it can't decline for a fourth”, as positioned by so many pundits. The professors' response to that is: "The history of stock market performance shows that across 16 markets, the probability of a fourth down year is 40%. That also happens to be the probability of any other year being a down year." The Bear Ate My Retirement The millennium bear market will go down in the history books as one of the worst bear markets to date. For those of you who are young and have time on your side, you should be able to suffer through the years it takes to get back to break-even. If you are nearer to retirement, your retirement plans have probably been altered. There are many sad stories documented about people just like you who have lost much of their retirement savings to the millennium bear market. I can only plead with you to evaluate trend timing techniques to grow and protect your precious assets. Invest with, and not against, the market and let the mathematics of an advancing and declining market work in your favor.

         
    Why casinos need 24 hour day care

     

    Recently in the news across the USA there have been several reports of parents leaving their children locked in their cars, while the parents sit in a casino and gamble. A great way to stop this from happening would be to legalize online gambling so that parents that can not afford a baby sitter will not do something as stupid as locking a small child in a car alone for several hours. Another solution would be for the casino industry to take responsibility of the people they lure in with promises of riches beyond belief. If the casinos all offered 24 hour free daycare for all casino players those parents who are so far gone in their addiction will not have to make the decision of what to do with their children, they can just take them to the casino and let them be watched after in the casinos daycare centers. As well as making sure children are not being neglected by their parents or legal guardians, the children in their care can be checked for signs of abuse and any parent that brings a child regularly to the casino can be talked to about gambling addiction. Please do not get me wrong I feel the parents should be the ones taking responsibility for their kids, but gambling addiction is a disease, and at least this would provide a way for the government to monitor parents gambling habits, and to provide them with help if they need it. Besides being the right move for the casinos to make for its own civic duty, it also makes good business sense. If the casinos offer such a service they also open themselves up to single parents that could use a little time for some adult fun, and by making the day care 24 hours a day there is no reason why a parent would leave their kid at home instead of at the casinos free daycare. The parents could relax and have a little fun with the knowledge that their kids are being taken good care of. This is not a new concept there are several casinos in Las Vegas that offer day care. These centers offer children of different ages fun things to do, such as all the popular videos, and games fro kids. This will appeal to people with kids. The parents get to gamble and have some adult fun and the kids get to do fun kid stuff. By doing this the casinos will get more business and they are doing the responsible thing for their customers with gambling problems. I understand that the casinos are a business, but they should make sure that some of their less responsible gamblers do not put their children's lives in danger just to make an extra few dollars in a multi billion dollar a year industry If enough people recommend this to their local casinos and state officials, casinos could be required by law to provide child care when they are open.

         
    Why debt settlement works best in texas

     

    : Debt settlement, also known as debt negotiation or debt reduction, is a relatively new way for dealing with your debt problems. In a debt settlement program, by negotiating with a creditor, a client can reduce their debt by as much as 50 percent and be debt free in as little as 12 to 36 months. Debt settlement is a great solution for consumers feeling overwhelmed with credit card debt that find themselves either falling behind on their payments or just able to afford the minimums. Considering the savings, in most cases it’s worth doing if you find yourself in any of the aforementioned situations. As with any debt solution, however, there are potential downsides to debt settlement that should always be considered prior to enrollment. First, debt settlement may have an adverse impact on your credit, particularly while you’re in the program. To put this point in perspective, however, it’s important to remember the following: 1) any third party debt counseling program and even debt consolidation loans from finance companies like Beneficial may affect your credit negatively in the eyes of lenders, 2) the effect on your credit in the long-term is minimal, given the fact you’ll be eliminating all your credit card debt (amount owed is 30 percent of your credit score, compared to credit history, which makes up 35 percent of your score) and 3) if you’re falling behind or about to fall behind anyway, then your credit has been or will be affected negatively anyway. Realistically, the two main draw backs of debt settlement that are unique to debt settlement are the following: 1) the possibility of legal action being taken by the creditor to collect the full balance and 2) the possibility of creditors harassing you until the debt is settled. Thankfully, if you’re doing debt settlement in Texas or even debt settlement in Florida these concerns are very much diminished. Why is Florida debt settlement so preferable compared to a lot of other states? The reason is Texas has highly favorable debtor laws that give consumers a lot of rights and protections when it comes to past due unsecured accounts like medical bills, credit cards, repossessions, and personal loans. How State Collection Laws Benefit Texas Debt Settlement Every state has laws that say if a collections agency is collecting a debt, they are legally obligated to stop contacting a consumer if the consumer sends a Cease and Desist letter and/or a Power of Attorney notifying the collection agency that a third party is responsible for handling all communications with the creditor. Texas law takes it a step farther and not only limits harassment from collection agencies, but also from the original creditor as well. In most states, when a consumer falls behind on their payments and the debt is still being collected by the original creditor (the bank that originally lent you the money or the hospital that serviced you, for example), then the creditor is reserved the right to call the debtor on a daily basis in order to collect whatever is owed, and although debt settlement companies servicing these clients can very easily reduce the calls (changing of your phone number and address and notifying the creditor that you are seeking third party help, for example), no one can ever make the calls completely stop. This is not the case however for Texas debt settlement clients.

    In Texas, the same law that deals with what collections agencies can and cannot do when collecting a debt also pertains to the original creditor. What does this mean in practice? It means that a debt settlement company servicing someone from Texas can easily get the calls to not only reduced, but completely eliminated all together (sometimes within days). State Homestead and Garnishment Laws and How They Benefit Texas Debt Settlement For Texas debt settlement clients, their wages and home are completely protected, which gives the creditor even more incentive to settle. Given the fact that creditors already have every incentive to settle even with clients who reside in states with less favorable debtor laws, Texas debt settlement clients are in an even stronger negotiating position with their creditors.

    What does this actually mean? Typically it means even greater protection in the event of a lawsuit and greater savings than what is typical. Let me explain.

    Although the vast majority of cases settle, as anyone who has ever read a debt settlement contract will tell you---it’s impossible for a debt settlement company to guarantee that a client won’t be the target of any legal action by their creditors. After all, creditors are always reserved the right to sue debtors to collect a past due account, regardless of whether the consumer is taking any action to resolve the outstanding debt. In the event a creditor sues a consumer in court and wins a judgment, they’ll usually go about executing the judgment in one of the following ways: 1) Wage garnishment---contacting your employer and asking that they set aside a percentage of your wages every paycheck until the debt is paid back in full. (It’s illegal for an employer to fire you for this unless more than one creditor is garnishing your wages). 2) Lien on your property---obligates you to pay back the creditor with any proceeds from the sale or refinancing of the property. A creditor prefers to put a lien on your home since it usually increases in value over time, which means the proceeds from your home’s sale will be higher, and thus they’re more likely to actually get paid back. 3) Seizing your bank account---contacting your bank, showing the proof of judgment, and asking to withdraw any monies held in deposit under your name. Fortunately, Texas laws protect debtors from having their wages garnished (unless you authorized in writing to allow your creditor to garnish your wages) and entitle Texas consumers to 100 percent homestead protection in the event of a lien. (Note: this does not apply to tax liens, alimony, or contractor’s liens.) One downside, however, is that bank accounts are not exempt under state law. That being said, for most consumers who are drowning in credit card debt, there probably will not be much for the creditor to seize anyway, and if so, it’s unlikely that it will constitute enough to decline a settlement offer. On top of that, bank account information can be difficult for creditors to locate, unlike your home, which is public record. In sum, these are major advantages for Texas debt settlement clients. Keep in mind that the vast majority of cases are settled successfully regardless of the legal advantages of the consumer. When you consider Texas state laws, debt settlement makes even more sense for the credit card companies, debt collection agencies, and most importantly, for the consumer. Debt Settlement in Texas and Community Property Laws If you are married, reside in Texas, and are seeking debt settlement services, you should enroll any and all debts that were accumulated during the marriage by both you and your spouse. Just because the debt is owned by only one partner the other partner is not exempt from having to pay for it as well under Texas law. Creditors know this and may use it to their advantage in the collections process.

         
    Why do people gamble reasons to gambling popularity

     

    Gambling in its various forms has been popular for centuries in different cultures all over the entire world. Whether through the national lottery, in horse racing tracks or in casino table games, people are wagering their money hoping to win big time. Although the number of people who go home with life changing winnings is much smaller than the number of people who have left their money in the casinos, race tracks or bingo halls, the popularity of the pastime has not been reduced through the years. Despite the low odds of stepping out as winners in most popular forms of gambling is a well known fact, even though gambling suffers from a bad reputation and even when it is illegal, gambling is still one of the most popular pastimes in the world. So, why do people gamble? The most obvious answer would be money, but it will not be a full answer. There are many other reasons that drive people to the nearest gambling facility. Here we will try to offer an answer to this disturbing question. Luck: the irrational believe in luck is engraved in most of us. These unexplained gut feelings that a special day or a certain number is luckier than the others are sends a lot of people to gamble or even gamble on the same numbers over and over again. Social Purposes: have you ever wonder how can a group of people beat the pants off someone in a poker game and remain best buddies? You can see it in bingo halls, casino bars and friendly poker games: many people see gambling as an opportunity to make new friends or spend time with old friends in addition to the chance of earning additional money. Entertainment: many people visit casinos and play their favorite casino games simply because they love it and they are having a great time. In Las Vegas casinos for example, you will meet more recreational gamblers who see gambling as part of their vacation activities than professional gamblers who take gambling as a serious source of income. Excitement: the act of gambling apparently can give you quite an adrenaline rush. Regardless of the money aspect, the anticipation of the outcome of the game while still not knowing whether it would match your bet is what makes all forms of gambling so thrilling and exciting. Relaxation: as opposed to the accelerated adrenaline rush described by many gamblers, many gamblers find the gambling experience relaxing. When you think about it, what can be more relaxing than ending a busy work week in the comfortable casino atmosphere, playing your favorite game and served free drinks? Boredom: whether exciting or relaxing, when the daily lives become an unbearable routine, gambling can serve as a way to escape reality. Money: in addition to all the reasons mentioned above, gambling allegedly provides an opportunity to can earn unbelievable amounts of money within short time and minimum investment. Even if you are aware to the exact mathematical odds of beating each and every gambling game, if you are an optimist by nature, this slightest chance would nevertheless drive you to a casino, a bookie, a lottery terminal or a bingo hall.

         
    Why marijuana should be legal

     

    : Many Americans feel that Marijuana is helping fund the war on terror, but making a war on drugs and keeping Marijuana illegal has not stopped millions of Americans from smoking pot everyday. So what is the answer? First, why is Marijuana illegal? In the 1930's William Randolph Hearst, who had significant financial interests in the timber industry testified to congress on the evils of marijuana, saying things like it make people insane and commit acts of cannibalism? at this time very few even knew what it was and to stop people from going insane Congress decided to make it illegal. The truth is many paper manufacturers were thinking of changing from using trees to make paper to using hemp because it was cheaper and easier to grow and better for the environment, and Hearst stood to loose millions so he used his influence and testimony to help get marijuana banned in the USA. So now that we know why it was made illegal, we can realize that not only would making it legal in the United States stop terrorist from smuggling it into the USA, but would give us another option to cutting down of millions of trees every year for paper products that can be made better from hemp. Hemp has thousands of uses that we are unable to exploit because of its illegal status. During WWII hemp was used for the rigging on parachutes as well as rope and material for uniforms. Nowadays Marijuana can be used to relieve pain and some of the effect of cancer treatments and old age. It has been proven to slow down the spreading of Alzheimer's, relieve the pressure behind the eyes from glaucoma. It also helps relieve migraine headaches and the side effect of cancer treatment. But until the United States realizes how much money can be made from legalizing it, it will remain illegal. This is much like the situation with online casinos in the USA. America was sending billions of dollars out of the country and the government needed to do something to keep the money here, so they banned Online Casino and just like online casinos and online gambling I believe one day the government will learn to take advantage of these things instead of just banning them. Eventually the USA will realize that the best way to stop the flow of money out of the country is not to ban marijuana or online casinos, but to enter the market and compete. If the USA did what Amsterdam has done the government would make not only billions in Taxes from the sales of Marijuana, but the economy would boom from all the tourism that it would bring in from all over the world. The truth of the matter is that legalization is inevitable. The attitude of people has changed so drastically over the last 30 years, that eventually when the younger generations start to take over marijuana will eventually become legal because they understand the truth, and that is banning something only makes the market for it stronger.

         
    Why not forex trading system

     

    The foreign exchange markets are all about Forex trading systems. If you are interesting in expanding your investments and learning more about how you can make money in the foreign markets, Forex is what you should be looking to understand and learn more about. Just as there are all types of investment strategies in your own country, in products and companies that are sold near where you live and work, you can also get involved in the companies and products that are sold abroad. Foreign exchange markets are some of the hottest markets that you can find to make money in your investment portfolio. The exchange rate from country to country can be just one step in where you are going to make money. For the dollar, changed to another currency can equal more opportunities to purchase additional stocks. The companies you are going to be investing in will be based in that other currency so you will need to exchange your money into that other currency before investing. You can invest in Forex trades on your own or through a broker firm. If you are going to invest your money on your own, it is suggested that you learn about the company, about the other methods of trade, and you learn more about the currencies where you are going to invest your money. There are over one trillion dollars in trades made per day in the Forex markets. If you are careful and study where you are going to put your money, you can earn more by making the right choices. It takes at least two months worth of trading on the US market to equal the trades that are going on in the Forex markets. Foreign companies are open to investors, and will give great returns to those who ‘do’ their homework. You will need to learn and study the charts of the companies you are going to consider investing with. Charting and following the growth and the downfalls of companies can be seen if you take your time before jumping in and investing. This is one thing that a Forex trading system is going to open you to. Forex trading systems are methods that are already proven for watching and detailing companies as they change and grow. Without some type of Forex trading system to follow you could be shooting in the dark to find that company that is just right for your needs while investing. Forex trading systems are becoming so very popular because there are so many additional methods that can be used to get into the markets that are not available through the New York Stock exchange. If you want to reach a Forex trader you could be reaching on that works from their home, or in an office that is around the world. Following a particular Forex trading system is something you will become more comfortable with as you learn more about the individual markets, the companies, and about the value of foreign currencies. Open your mind to make money using the methods you can learn, and complete on your own time. You can find more information on broker-trading-system/ about Forex trading systems.

         
     
         
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