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    Will china s new five year plan force u. s. utilities to ration your electricity

     

    According to China’s Ministry of Land Resources, China plans to build up “sufficient reserves” of uranium and other minerals, in a new five-year government plan. The ministry said it would be stockpiling strategic reserves of uranium, copper, aluminum and other key minerals because of rising demand for those commodities. The Chinese also wish to avoid supply disruptions by hoarding uranium and other minerals, over the next few years. Until now, you’ve probably taken for granted a steady, reliable source of electricity. A large part of your dependable energy came about because of the nuclear energy generated by the 103 nuclear reactors in 30 states. Without a steady supply of uranium to power those nuclear reactors, the U. S. electrical transmission network suffers a 20 percent loss. China’s new five-year plan to stockpile uranium had better be a Wake-Up Call to U. S. utilities. If they missed the import of China’s announcement, we are all going to be in a heck of lot of trouble before this decade ends. Since June 2004, we have warned of supply disruptions for uranium. David Miller, who has since become President and Chief Operating Officer of Strathmore Minerals, argued at the time, “In my opinion, no one has any extra uranium to sell on the spot market. There’s just not excess inventory that people are unloading in the spot market.” We interviewed Miller again in November 2005, for an article entitled, “China Demand for Uranium, World Growth in Electricity Demand to Drive Uranium Price Higher.” Miller warned us, “China is the future wild card… what they are planning for nuclear is probably the most aggressive program in the world.” Miller added in his explanation, “All the new production is already factored into the future market for uranium. We’re underwater right now without building one more nuclear power plant.” In mid April, during an interview with Sprott Asset Management Market Strategist Kevin Bambrough, we asked him about the Chinese. He answered, “Why shouldn’t they have strategic uranium reserves to supply their nuclear reactors? It makes sense to have a good stockpile of uranium considering the relative cost of nuclear power versus anything else.” And now, the Chinese plan to build up a strategic reserve of uranium for their aggressive nuclear program. In another interview, also published in April, Gene Clark, CEO of TradeTech LLC warned us, “In reality, the U. S. utilities, which tend to wait longer to contract, may be the ones on the losing end because the Chinese and the Indians will contract early. The implication of current group-think is that the Chinese and Indians are not going to be able to find enough uranium for their new plants. But, they are committing for supplies way out into the future. When the U. S. utilities come to the market, they’re going to look around say, ‘Oh blankety - blank, what happened? Where’s the uranium?’ They’ll be the ones that sat around. I think that is what’s going to happen unless things really change in the way contracting is done in the United States.” U. S. utilities have been cautioned, warned and advised that the Chinese demand for uranium could very well create a serious energy crisis for the U. S. grid. Nuclear reactors help supply the baseload generation for the U. S. electrical grid. Nuclear power plants provide stability to the electricity transmission network. About one-fifth of electrical generation is derived from nuclear power. Nuclear plants are running at more than 89 percent capacity. U. S. utilities are fiddling around like Nero, who watched Rome burn, hoping that promises of increased uranium production will stem the dramatic uranium price rise. Severe strains in natural gas supplies, combined with the ongoing uranium supply squeeze, could very well put U. S. consumers on rations for their electricity. Can’t happen, you say? Ask the Brits about how business was conducted in their country, in late 1973 and early 1974, during the Arab oil embargo crisis. Or more recently, California’s rolling brownouts. An electrical energy crisis is in the making, while U. S. utilities are patiently hoping or praying the price of uranium stop climbing. UxC President Jeff Combs wasn’t kidding when he urged U. S. utilities, during our interview, to “support the expansion of (uranium) production in the United States.” And if you don’t let your local utility know about the upcoming electrical energy crisis, then perhaps it will be your lights they may someday be turning out. The irony of ironies: All of those sweet anti-nuclear folks in Vermont, who depend upon nuclear energy for more than 70 percent of their electricity? They’ll be the first to suffer the most, if U. S. utilities don’t respond to China’s five-year plan.

         
    Will i lose my home this time

     

    If you have had trouble managing your money, you may find yourself in debt to credit card and loan companies. It can be stressful and even embarrassing to be in this position, but the best approach is to confront the problem head on and try and work out a solution with your creditors. Failure to pay your credit card bills or general loan repayments may result in court action and bad credit ratings, but the only time you are in danger of losing your home is if you fail to keep up your mortgage repayments. Even the most well-intentioned homeowner can fall behind with their mortgage payments. Unexpected illness, bereavement, depression, divorce or unemployment are all reasons why many people have trouble maintaining payment. Most mortgage companies are willing to give you a chance to catch up with your payments, or work out a revised schedule, but if you don’t do this, or you fail to keep to the new schedule, you could be in danger of losing your home. How can you prevent this? 1. Don’t ignore letters from your mortgage company After you’ve missed a number of payments, your mortgage company will write to you, asking you to contact them. It might be easy to put the letter to one side, but it can do you more harm than good in the long term. Instead, call your mortgage company and ask for a meeting so that you can explain your circumstances and work out a revised payment schedule. 2. Make every effort to pay your debts If you have other debts as well as your mortgage and you are struggling to pay everything, look at ways you can cut your expenditure to help catch up with payments. Showing that you are making an effort to pay your debts may delay the mortgage company applying for a court order to repossess your home. 3. Talk to repossession experts If your payment problems have reached the stage where repossession is a real threat, you may need to talk to specialist lenders. They can help arrange fast finance that allows you to repay your debts and keep your home. Alternatively, they can arrange a quick house sale so that you can clear your debts completely and start again. Face up to your money difficulties and talk to financial experts that can help you stay in your home.

         
    Will the democrats be able to reverse the online gambling ban

     

    Many people were hoping that if the Democrats won control of Congress they would reverse the online gambling ban, but experts doubt they will even try or that if they do that the will be successful. Once the bill was passed and signed into law by the president, it became much harder to reverse the law. The democrats would need to bring up the law and get it to a vote, then after the vote passed it needs to go to the president for his signature. The problem with this is that the current president is the one who signed the bill into law in the first place. Another problem is because the gambling ban was attached to another bill, it means that to reverse the law the entire bill needs to be reversed, but the other part of the bill is for an increase in port security, so any congressmen who recommends reversing this law, will be going on record as trying to reverse the increase in port security. Because of this trying to get the law reversed could ruin a congressman’s chances of ever getting elected to public office again for the rest of their lives. It is more likely that it will have to wait till the end of George Bushes term in office and then get an amendment to the law that reverses only gambling ban part of the law. So if you are on Online Gambling enthusiast and you were hoping that after the election the online gambling ban would just disappear I am sorry to say you were mistaken and that you are going to have to wait a little longer, but that does not mean you need to sit quietly by. The key is to make sure that you are heard, write letters to congressmen, and attend protest rallies anything that will keep this issue in the front of the minds of the politicians so they know that just as the Republicans lost the house so can they. The republicans used the online gambling ban to try to gain votes for them in the last weeks before the election, but it backfired on them and lost them more votes then it brought in. Hopefully the Democrats will learn from the mistakes of the Republicans and will understand that banning something never works, and that it is only thru regulating the online gambling industry that will ensure that it is safe and honest to play and that no underage children manage to play. Other wise I am sure that the Democrats will also see the wrath of the American voters when it comes time for the next elections. The American people are tired of having the government controlling every aspect of their lives and I think this election may have made their point for them. So if the question is will they try to reverse the law I am sure they will try, but how successful they will be is still up in the air, and no one can really know what the outcome will be.

         
    Will the iraqi dinar rise now that the constitution is approved

     

    The current constitution of Iraq was approved by an October 15, 2005 ratification vote. The proposed constitution was drafted in 2005 by members of the Interim Iraqi Government to replace the Law of Administration for the State of Iraq for the Transitional Period, which had been put in force by the Coalition Provisional Authority after the Iraq War and occupation of Iraq by the United States and Coalition forces. The drafting and adoption of the new constitution was not without controversy, however, as sectarian tensions in Iraq figured heavily in the process. The deadline for the conclusion of drafting was extended on four occasions because of the lack of consensus on religious language. In the end, only three of the 15 Sunni members of the drafting committee attended the signing ceremony, and none of them signed it. Sunni leaders were generally urging the electorate to reject the constitution in the 15 October referendum, but were overwhelmingly rejected by the voters. The text of the proposed constitution was read to the National Assembly on Sunday, 28 August 2005. It describes the state as a "democratic, federal, representative republic" and a "multiethnic, multi-religious and multi-sect country". Excerpts From The Preamble We the sons of Mesopotamia, the creators of the alphabet, and the cradle of arithmetic: went by the millions for the first time in our history to the ballot box, men and women, young and old, on January 30, 2005, remembering the pains of the despotic band's sectarian oppression of the majority; inspired by the suffering of Iraq's martyrs - Sunni and Shiite, Arab, Kurd and Turkomen so we can create a new Iraq of the future, without sectarianism, racial strife, regionalism, discrimination or isolation. Some References To Monetary Concerns From The Body Of The Constitution The Arabic language and Kurdish languages are the two official languages of Iraq. The use of both languages is officially endorsed in any setting enjoined by the principle of equality such as bank notes, passports and stamps. The Central Bank of Iraq is a financially and administratively independent institution and is responsible before the Council of Representatives. The federal government shall have exclusive authorities in the issuing of currency, formulating monetary policy, and establishing and administering a central bank. Now, will the Iraqi Dinar rise? This currency has already gained 25% the past half year. The more stable Iraq gets the more the dinar will rise in my opinion. This is only one of the many steps Iraq has to make but for exceptance by the world bank a big one. Still keep in mind that investing in Iraqi Dinars should be on the most risky side of your investment portfolio.

         
    Will you have to pay back the debt anyway

     

    : The most widely held misconception about bankruptcy is that it’s the debtor’s version of the “get out of jail free” card in Monopoly. While most people know that bankruptcy affects your credit for 7 to 10 years, very few people know that it’s possible that you’ll have to pay back the debt anyway, even if you file a Chapter 7 “straight” bankruptcy. The formal definition of bankruptcy is “a proceeding in federal court in which an insolvent debtor’s assets are liquidated and the debtor is relieved of further liability.” On the other hand, the commonplace definition of bankruptcy is probably “the process of completely wiping out your debts for free.” In the majority of cases, the latter definition may be appropriate, but in some scenarios, it’s likely that even with bankruptcy, you’ll still have to pay back at least a portion of the debt. So when is it likely that you’ll have to pay back your debts?

    Here are the most common scenarios when you’ll get all the negatives of filing bankruptcy (severe credit impact for 7 to 10 years), but none of the benefits (you’ll still have to pay back at least part of the debt): 1) You make more than the average person in your state. If this is the case, then it’s likely that you’ll be forced into a Chapter 13 bankruptcy plan. In a Chapter 13 bankruptcy, the court orders that you pay all your disposable income to a court appointed trustee, who in turn disburses payments to your creditors. Keep in mind that the court determines your disposable income by national and county statistics on average necessary expenses, not what you’re paying. So just because you’re paying a lot for a car doesn’t mean the court will approve it. There are numerous cases when a judge ordered families to stop sending their children to private schools so they can have more money to pay back their creditors. In Illinois, here are the latest statistics on the Illinois median income by size of household: Illinois Estimate 1-person families 41,650 2-person families 52,891 3-person families 62,176 4-person families 72,368 2) You have assets. If you own a home or car, then it’s possible that the bankruptcy court will force you to sell them to generate sufficient cash to pay back your creditors. Chances are if have a good chunk of change invested (unless it’s in a tax-exempt account like an IRA) then you’ll also be forced to liquidate it. If you have a second home or another vehicle (assuming you own both completely), then you’re really out of luck. Fortunately, there are some safeguards to protect consumers from bankruptcy hell. In Illinois, every resident is entitled to at least $7,500 of the value of their home, $1200 of the value of their vehicle, and $2,000 for anything that they want (known as the wildcard exemption). Also, these values double if you’re married (assuming the property is in both of your names).

    What does this actually mean? Consider the following example. Let’s say you have a house that’s worth $250,000, and it’s in both yours and your wife’s name.

    You still owe about $200,000 on your mortgage, and you decided to file Chapter 7 bankruptcy. In this example, you would be forced to sell your home, and with the proceeds you would pay back the mortgage company what you owe on the outstanding balance of the loan ($200,000), you’d pay yourself the Illinois real estate exemption ($15,000), and then you’d pay back your other creditors whatever was left ($250K-200K-15K=$35,000). Let say your house was only worth $215,000, but everything else in the above example remained the same. In this case, you wouldn’t be forced to sell your home because the proceeds from the sale wouldn’t amount to anything after you paid back the mortgage company and then paid back yourself the Illinois real estate exemption. 3) The creditors can prove that you were fraudulent and never had any intention of paying them back. For the majority of us it means that unless a) you don’t have a lot of equity in any of your property, b) you don’t have any investments like stocks, real estate, ect., c) you don’t care about having to sell anything mentioned in points a and b, or d) you don’t care about having to give up your disposable for 5 years in a Chapter 13, then bankruptcy may not be your best option.

         
    Will your asset protection strategy survive the final judgment

     

    Did you know that... we live in a lawsuit-crazy society? I'll bet you do know that. And I bet you also know that court judgments are getting more and more outrageous all the time. Unless you have some sort of asset protection strategy already set up, whatever assets you have built up can be wiped out from a lawsuit that does not go your way. Asset protection is a means for protecting your valuables from future lawsuits and creditor collection attempts. While many people are looking for a solid way to do this, there are many ways where the asset protection options that they try are not going to work. But, there are asset protection strategies that really do work. What you want to do is to search out the right ones and use them effectively. Asset protection, or more precisely having an asset protection strategy, is something that many more people should take advantage of. What I plan to do in this article is to help you not take the wrong path n your asset protection strategy. The first thing to do is to have your asset protection strategy in place before you get involved in a lawsuit. I know, how do you know if and/or when you are going to be involved in a lawsuit? You don't. But, you don't want to wait until you are being sued. If you are involved in a lawsuit and a judgment is placed against you, don't try to "sell" everything to your spouse or cousin or business partner for something like $1. If you start to arrange your assets to avoid them being taken after the fact of a court judgment, then that is like "closing the barn door after the horses have escaped". It is too late. That would be deemed illegal and is known as a "fraudulent transfer". The court will recognize the transfer for what it is, an asset protection trick to try to keep your assets out of the hands of your creditors. The "sale" would be reversed by the court and the assets would have to be given to the creditor anyway. By the way, there are also other things to be wary of when involving a spouse, another family member or relative or even a business associate in an asset protection scheme. If it is found that your scheme was in violation of the Fraudulent Transfer Act then you could not only lose the assets that you were trying to protect, but there is the additional money the you would lose in court costs, attorney fees and the costs involved in collecting the debt. Also, your "accomplice" could have a judgment entered against him or her. Another thing to keep in mind is that if you involve another person in your asset protection strategy by "selling" them your assets for a few dollars, the assets would legally belong to the other person and they would be able to do what they want with those assets. It has occurred only too often that the new recipient of the assets has turned around and handled the assets in a manner that benefits them, leaving the original owner with nothing. Even though you trust somebody today, you never know what will happen in the future. So, in this case we can say, "Let the seller beware!" One more point about "getting rid" of your assets through sale to your spouse: In the United States, if you live in a "community property" state then everything that is owned by you during the time of the marriage is also owned by your spouse and vice-versa. So, transferring ownership to a spouse in a "community property" state does not help your asset protection strategy and does not protect you from creditors. The current community property states are: Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin. One asset protection strategy that does work and has been known to work very well is offshore asset protection trust or APT. Here the assets are protected from lawsuits because they are in oversea territories and therefore untouchable in most cases. Of course, it is important to take note of applicable fraudulent transfer rules as well. As in most asset protection strategies, timing is very important. Another asset protection strategy that has been shown to be very successful is offshore incorporation and offshore bank accounts. There are many benefits for incorporating offshore. Legally limiting the amount of taxes you pay on your income, and protecting your business against lawsuits are just a few of the ways an offshore corporation or IBC can benefit your asset protection efforts. Forming an offshore corporation need not be any more expensive or time consuming than forming a corporation within your own country. Be sure to use a legitimate and established firm when setting up your IBC. Make sure your asset protection needs are being handled in the way you want and that you get answers to all your questions. Keeping with the asset protection theme of protecting your wealth from lawsuits, the offshore bank account will also help address this issue. Most companies that offer offshore incorporation will also help you set up an offshore bank account. It would be a good idea to keep the account in non-US funds. The accounts are usually offered with an international debit card, so you can access your funds from an ATM wherever you have access to one. In conclusion... Laws are different from country to country, and from state to state. You need to get professional advice from a competent financial advisor as the first move. Do not wait until you are already in financial trouble because then it would be too late. If you transfer assets in order to put them out of reach of your creditors at that time, it may be seen as fraudulent and illegal. You need to have an asset protection strategy in place before you are sued, and before anyone tries to take your assets away. It is never too early to get a plan in place. Just remember the old expression, "If you fail to plan, you plan to fail." Do it NOW!

         
    Work at home moms save money this holiday season

     

    As the holidays approach, many work at home moms begin feeling a sense of dread -- * How will we afford gifts? * Will I start the new year even further in debt? Saving money is the same as making money, in my opinion. Either way, you'll have more money in your bank account. Here are a few ideas to help you save money this holiday season as well as earn a little extra cash. I hope these help give you some hope heading into the holidays. Save on Advertising Expenses Reduce your Advertising Budget. I hear so often from moms who are using paid advertising as their sole method of promoting their online businesses. Advertising is great, but it is just one of the many ways to promote your business. Enhance your exposure with some of the free ways to promote your business, from press releases and articles to more effective networking. Make an effort to stretch beyond your comfort zone to try new ways to draw more traffic to your website. eBay - List it Now People are spending money like crazy this time of year. List all your extras on eBay to earn a little extra cash for the holidays. Outgrown clothing, toys that your kids don't play with, movies, books -- all the items currently taking up space in your home could put cash in the bank. Plus, by cleaning out the house, you'll have more room for the new goodies that Santa brings. Bartering Have you tried bartering? You can trade products or services with other work at home moms that you meet. If you have a talent with writing or website design, trade with a mom in Direct Sales for products. It benefits both of you. The mom receives much needed help with aspects of her business that she may not enjoy or care to learn - and gets rid of extra inventory. She may also receive an ongoing customer from the barter, once you fall in love with her products. And, you receive products that you can give to loved ones for the holidays. You do not need to start the new year further in debt. Plan your business promotions, barter for gifts, and sell your excess stuff. The holidays will be much more enjoyable, knowing that you took efforts to make them affordable.

         
    Work part time or work one time it s your choice

     

    Copyright 2006 Randy McLean Have you ever entertained the idea of having an extra income stream coming in to help pay the bills at the end of each month? Don't worry, you are not alone. Most people think about this quite frequently. This thought process usually leads to 2 outcomes, working overtime or getting an additional part time job. Unfortunately this can lead to burnout, unhappiness or both. You have less time for yourself and your family and you are often working menial jobs that you hate. Besides the obvious solution of proper money management there is a much easier way. Today, I will show you how you can set up a simple internet business that works for you, even making you money while you sleep! The first thing I did was visit the ClickBank web site. ClickBank is a huge catalog of digital products. This means that all the products for sale can be downloaded instantly to your computer. There is no shipping or inventory to take care of. Next I started browsing the catalog for a digital product I could sell. The products are ranked by popularity. This will give you a clue to which products are in demand and have a higher converting web site. I chose to sell something related to the automotive industry. I constructed a simple 2 page web site explaining the benefits of the product and provided a link to the merchant. The second page was for exchanging links with related sites. I then submitted the site to related directories so I could start receiving some targeted, no cost traffic. This site now averages around $150 a week or $600 per month. While this did take some trial and error and some experimentation the actual process only took a few days to set up. While this isn't all the money in the world an extra $600 per month can go a long way. This works out to an extra $7200 per year. And this money comes in whether you are sick, on vacation or feel like working or not. It frees up your time to spend with your family or to concentrate on other money making ventures. You basically have 4 choices. You can 1/ get a part-time job 2/ work overtime 3/ watch TV or 4/ experiment with affiliate marketing. If you are really ambitious you can check out the Super Affiliate Handbook by Rosalind Gardner. That is how I got started. Now instead of working overtime I am concentrating my efforts on building more web sites like the one I just described. The more time you spend learning about this the better you will become at it. And don't let the fear of failure stop you. Most people do not get things right the first time. It is almost like panning for gold. It takes a little bit of effort but once you find what you are looking for you will realize that it was well worth the effort. It is much easier to create a bunch of small sites that produce a little profit rather than trying to strike it big with just 1 site. A lot of people waste too much time and effort trying to do this. If it happens that is great but if it does not I would suggest moving on. After you create the site keep tweaking it until it creates more income than you are spending on it. When you have exhausted all of your possibilities with that site start creating the next one. When viewing this strategy from an investment standpoint it is not hard to see the benefits at all. To make $600 per month from real estate or stocks, it would take a huge amount of capital compared to a simple web site like the one I set up. My web site only costs me $10 per month to host and an additional charge of $14.95 per year for my domain name. No loans from the bank, no dealing with people, no red tape, and hardly any risks. Now don't get me wrong, real estate and conventional investing do have their place. I am simply showing you a simple way you can use to start building your asset column quick and with relative ease.

         
    Working capital cash flow solutions should i borrow from a bank

     

    Recently, my newspaper reported that a local bank “...earned a four star excellence rating for the sixty-fourth consecutive quarter.” That’s sixteen years of four star excellence! The article went on to say that the “rating is based on a complex formula that includes …capital safety levels, quality of loan portfolio, and the ability to meet obligations…” The press release was designed to showcase the value of this bank and demonstrate its prominent position in the economy. As a former banker with over seventeen years of commercial experience, I chuckle at this information being tossed around by the bank and its regulatory agencies for self promotion and marketing purposes. I suppose that if you are a blue-hair whose purpose is to find somewhere other than under the mattress to keep your retirement funds, this article was good news. But what does it mean to the business owner or entrepreneur looking for a Funding partner to participate in an opportunity to grow, increase jobs and profit? In a nutshell this type of information should be a wake up call to find another bank-here’s why. Let’s explore the underlying meaning to business customers behind a portion of this “complex formula.” Capital Safety Level In layman’s terms this means that the bank has more than adequate reserves of Cash. Cash that is available, but not loaned out – its Capital Safe. Banks that have high reserves of Capital can be presumed to be low on the scale of aggressive lending. They hoard Cash - even though they cannot make the same return on reserved Cash as they can on employed Cash. But for the bank, it’s less risky to hoard Cash than to loan Cash, and therefore contributes to their four-star excellence rating. Quality of Loan Portfolio A high quality loan portfolio means that the bank’s loan loss experience is at or above levels set by regulatory agencies. One can infer that the bank therefore takes fewer risks. Bankers are not supposed to be entrepreneurial or take risk. A banker has never been rewarded for taking risk! The banking system rewards those who can decline any borrowing request outside of the underwriting parameters. Loan portfolio quality that’s high = low loan accessibility to business owners. It stands to reason that banks are not risk takers based upon the low returns they are willing to accept. Banks with four star excellence ratings seek out commercial customers who are stable and have limited need to borrow. The other 72% of business customers are left outside the circle of these banks. Where do these businesses turn to Cash Flow the Working Capital needs of their business? Where do they go to fund opportunities for growth and development of new market niches? More often than not they turn to the widely accepted world of non-traditional funding sources - preferred SBA lending companies for real estate and fixed asset needs, leasing companies for equipment needs, and Factoring companies for Working Capital needs. These non-traditional funding sources evaluate opportunities to participate by lending funds to small & medium sized businesses. Non-traditional lenders rates on borrowed funds may be higher than traditional bank rates, but their mission is to employ funds to obtain a return, not to let cash sit idle on the sideline in order to obtain a four star excellence rating. Their pricing reflects the perceived risk. And, they are not restricted by regulatory bureaucracy or fear of losing their four star rating as banks are. In this ever changing world, business owners are advised to explore opportunities outside of the traditional financing channels. Before a need arises a business should be familiar with alternative funding sources. And perhaps, when your bank informs you that they continue to achieve a four-star excellence rating…it would be wise to investigate your options pertaining to Working Capital and Cash Flow solutions.

         
    Worst case scenario will your home buildings insurance cover you

     

    Nobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today, almost one-half of all homes in the UK would have inadequate home buildings insurance to cover the cost of repairs! Valuation of your home buildings insurance – is it being done correctly? Before you consider the value of your home, ask yourself a quick couple of questions: - what is the principal reason why you have home buildings insurance? - who assess the value of your home buildings insurance? In most cases, the answer to the first question is you need to have home buildings insurance because it is a requirement under your mortgage agreement. The answer to your second question is also likely to be your home mortgage provider, because they feel they know the value of your home better than you do. So, what’s the problem? Well, the problem is, each year your home mortgage is going down, but hopefully the value of your home is going up. As your insurance is principally to cover your outstanding mortgage, a disparity - between the value of your home and the outstanding mortgage amount - will rapidly arise. Therefore, it is vital that you keep control of valuing your home for home buildings insurance purposes and always ensure that the insurance relates to the actual value of your home, not the outstanding mortgage amount. Improvements to your home – are they being included? Likely as not, over time you are going to do some building work to your home. Maybe you’ll add an extension. Put in a greenhouse. Add a conservatory. Etc. The question is – are all of these add-ons being included in the additional value they bring to your home, or are you only continuing to insure the main part of the home that was part of the original policy? Increased costs – have you factored these in? Nearly every insurance policy comes with an excess amount. Essentially what this means is that you have to pay a threshold amount before you can claim against the insurance company. Fine, let’s take an example: say you bought your home in 1980 and set the threshold amount at Ј500. Would you get more or less in materials and labour today if you were still maintaining an excess sum of Ј500? Answer, far less and you’d be claiming on your insurance far sooner, which in turn means your premiums are likely to be higher. As you can see then, home buildings insurance is not as simple as guessing what you think the value of your home is. It takes certain precision and year-on-year upkeep if you want to make sure you’ll be sufficiently insured should the unfortunate worst case scenario occur.

         
    Www. thecreditagency. co. uk online credit report

     

    WHY CHECK YOUR CREDIT REPORT? If anything in your report is out of date or gives a misleading picture of your willingness or ability to repay a loan, mortgage or credit card, it can affect your chances of getting the best deals. It can even lead to outright rejection by lenders. For example, you may have separated from a partner who has since run up debts but, because you have still got a joint account, his or her payment behaviour could be affecting you. You won't see their credit data on your report but you will find a note of any financial association. Or you may have shopped around for the best offer, without realising your enquiries have been registered as multiple applications. These should show as quotation searches. If they are down as applications, lenders could think you are desperate for money, have over-extended yourself or even that a fraud is being planned. You could even discover applications and credit accounts in your name that you did not ask for. In that case, your identity may have been used fraudulently. A range of behaviours can have an effect on your credit file. Issues such as late payments or missed payments, applying for a number of credit facilities (loans, credit cards etc.) in a short space of time, moving address regularly, or not appearing on the electoral roll will have a NEGATIVE effect on your credit file. On the other hand, if you stick to managing your existing credit facilities well, you register on the electoral roll and stay at the same address for a period of time, then you will POSITIVELY effect your credit report. With a better credit record, you will be able to access cheaper sources of finance (lower APR's on loans) and will be able to obtain credit from a greater number of resources (prime lenders favour good credit scores). With access to credit becoming increasingly more difficult to many people, managing a clean credit file is increasingly beneficial. Two categories of people are going to be really affected by their credit reports following the impact of the credit crunch. 1) Home Owners: Anyone with a variable rate mortgage will have already seen interest rates rise, thus pushing up the sum of their monthly repayment. Those on a fixed rate mortgage will have thus far been untouched. However, it is the fixed rate mortgage holders that need to be most careful about managing their credit score. When their mortgage comes to an end, they are going to need to find another mortgage deal. Whatever mortgage they go for, fixed rate mortgage holders are going to find that their monthly repayments will have vastly increased. Therefore, the only way to minimise the effect of the credit crunch is to increase your appeal to lenders by enhancing your credit score. This will help widen the number of lenders happy to offer mortgage facilities, whilst also lowering the APR's on offer to you. 2) Sub Prime & Near Prime Borrowers: Anyone that has had to borrow money with high APR's (typically in excess of 35%) is now going to find funding sources more difficult to access, as many lenders have moved out of the sub prime lending market. Interest rates in the sub prime and near prime lending market have also increased. This can have a particularly harsh impact on borrowers - especially those with low incomes, as individuals may struggle to keep up with repayments. If you fall into the sub-prime category, you'll need to keep an even closer eye on your credit report so as to ensure that you can still get access to credit (some lenders are already pulling credit facilities away from non-prime borrowers). By accessing your credit file online, you'll be able to see that every aspect of your credit report is in order, thus ensuring that you can still gain access to credit. The easiest way to check your credit report is to get your credit report online. By visiting TheCreditAgency. co. uk you will be able to discover which credit report is best for you and then gain Free access to it, along with identity insurance and credit monitoring facilities. Use any of the web address details provided and enter them into your web browser to access your credit report.

         
    Wyoming could play a key role in u. s. nuclear future

     

    Will the Wyoming Uranium Province Rival Canada’s Athabasca or Australia’s Northern Territories? “Geology is 90 percent terminology and 10 percent science,” laughed Ray E. Harris, one of Wyoming’s leading geological theoreticians, having been with the Wyoming Geological Survey since 1982. He died on March 7th. Two weeks earlier, we met with and interviewed Mr. Harris. Everyone we met in Wyoming, and who was interested in uranium mining, had, at one time or another, passed through his office, which was adjacent to the University of Wyoming in Laramie. Ray Harris traveled the world, investigating and studying uranium deposits. He was well versed on the geology of every significant uranium deposit on earth and was also involved in the exploration, development and mining of uranium. In a Geological Survey of Wyoming Public Information Circular, published in 1986, Ray Harris presented a unique, and possibly controversial, thesis, “The genesis of uranium deposits in Athabasca, Canada and Northern Australia – Wyoming exploration significance.” In his introduction, Harris wrote: “Wyoming has some uranium occurrences in geological environments similar to those of Australia and the Athabasca Basin, and appears to have the potential for a uranium deposit similar in magnitude to those deposits.” Harris acknowledged in his paper, “Reported reserves for these two regions are 436,360,000 tons of U3O8, or one quarter to one third of the noncommunist world’s proven reserves.” At the same time, the total 1982 U. S. uranium reserves at $30/pound stood at 203,000 tons. Wyoming’s piece of that mineable pie stood at 32,700 tons. His was a bold statement, open to debate it not outright dispute and dismissal. Perhaps there may be truth in Harris’ claim. In 1981, E. S. Cheney published an article in American Scientist, entitled “The Hunt for Giant Uranium Deposits,” where he explained a giant deposit would contain more than 100 million pounds of recoverable U3O8. But can the parts amount to more than a single giant uranium deposit? William Boberg in his 1981 article, “Some Speculations on the Development of Central Wyoming as a Uranium Province,” published in the Wyoming Geological Association Guidebook, wrote, “The Wyoming Uranium Province consists of several uranium districts (Gas Hills, Shirley Basin, Crooks Gap, Red Desert, Powder River Basin and Black Hills) each of which is made up of a few to numerous individual uranium deposits. In Part 2 of this Wyoming Series, uranium savvy Senator Robert Peck speculated there were “50 to 60 million pounds of recoverable uranium in the Gas Hills proven by previous drilling.” Warren Finch in U. S. Geological Survey Bulletin #2141 (1996, US Government Printing Office, Washington), wrote in his paper, entitled “Uranium Provinces of North America – Their Definition, Distribution and Models,” that “… provinces are identified by the distribution of major uranium clusters, generally of a size of 500 tons and more U3O8…” Since January 1970, when S. H.U. Bowie described how to go about defining uranium provinces and searching for major uranium deposits in a paper he presented tot the International Atomic Energy Agency in Vienna, geologists have been eager to compare similar geological settings between geographically diverse uranium deposits, and more accurately define uranium provinces. Ray Harris wrote in his previously quoted article, “There are no producing ore bodies in the United States similar to those of the Athabasca Basin and Northern Australia, but two deposits, not currently being mined, may be of similar genesis. These are the deposits near Chatham, Pittsylvania County, Virginia, and at Copper Mountain, Fremont County, Wyoming.” (Editor’s Note: According to the Strathmore Minerals website, the company’s Copper Mountain property, previously drilled by Anaconda Uranium Corp through 1997, lists an historical contained resource of more than 38 million pounds of U3O8. Strathmore has not done sufficient work to verify this resource estimate.) Harris explained that a high-grade uranium deposit in the United States, of geological similarity to an Athabasca Basin grade deposit, could not be quickly ruled out. He cited the Chatham, Virginia uranium deposit, grading four pounds per ton of ore, and which he believed might contain 30 million pounds of uranium oxide. He wrote, “… the setting is similar to non-conformity uranium deposits… on first glance, it seems to have formed similarly to the Athabasca and Northern Australian deposits.” Unfortunately, the Virginia legislature voted to ban uranium mining, which offers a temporary setback on this deposit. That is not the case in mining-friendly Wyoming, where in Part One of this series, the state governor is urged companies to bring uranium projects and money to his state. Wyoming’s Geology Potential for U. S. Utilities It is known that Wyoming has multiple roll-front uranium deposits in its sandstones. A pro-mining state, prolific numbers of roll-front uranium deposits, and a rising spot uranium price in a uranium bull market all combine to make Wyoming the U. S. center for in situ leach mining (ISL), also known as solution mining. However, as Ray Harris had suggested during our interview there may be larger uranium source, possibly one that may be competitive with Athabasca Basin or Northern Australia. It is a premise he had argued in the 1980s, in the previously quote work, and again in 1993, Harris’ paper, entitled “Geological classification and origin of radioactive mineralization in Wyoming.” In his 1986 work, Harris concluded, “Given the impressive length of exposure, the relatively shallow subcrop depths of favorable nonconformities in Wyoming, and the great amounts of uranium available for mobilization, a nonconformity-related uranium deposit should exist somewhere in Wyoming.” One possibility, as Harris suggested, may be in Fremont County’s Copper Mountain area. Harris wrote that at the Copper Mountain area, “Uranium occurs in fractured and faulted Precambrian rocks and in the nonconformably overlying Eocene Tepee Trail Formation. The uranium occurrence is subeconomic but of promising grade and size.” He added, “The uranium is spatially related to fractures and subsidiary faults associated with the Laramide North Canning fault. Rocky Mountain Energy Company has conducted detailed drilling on the North Canning deposit.” Harris explained that mineralization occurs in the Precambrian granite and enclosed metasediments. The mineralization is said to be primarily low-temperature pitchblende and coffinite. Harris compared the North Canning deposit to nonconformity - related uranium deposits. He wrote, “It is likely that the deposit formed by processes similar to those that operated in the Athabasca and Northern Australian regions.” We checked with David Miller of Strathmore Minerals (TSX: STM; Other OTC: STHJF) about their Copper Mountain holdings. He responded by email, “We own all the federal minerals in the area that covered uranium mineralization: about 75 percent of the gross uranium resources. The Canning Deposit is owned about 60 percent by us and 40 percent by Neutron. Strathmore Minerals has around 100 mining claims in the area.” The source of Wyoming’s roll-front uranium deposits are open to debate and have yet to be clarified. In 1981, William Boberg wrote, “The major deposits of Wyoming occur in the Lower Cretaceous Inyan Kara Group of the Black Hills, in the Paleocene Fort Union Formation in the Powder River Basin, in correlative Eocene sandstones in all of the major uranium districts.” Warren Finch later described Wyoming’s roll-fronts, in his previously quoted work, “The predominant type of uranium deposit is the roll-front sandstone deposit in Tertiary continental fluvial basis developed between uplifts. These ore deposits were formed by oxidizing uranium-bearing ground waters that entered the host sandstone from the edges of the basins. Two possible sources of the uranium were (1) uraniferous Precambrian granite that provided sediment for the host sandstone and (2) overlying Oligocene volcanic ash sediments.” Ray Harris appeared to lean more toward the former. William Boberg has argued more toward the latter explanation for a uranium source. Boberg wrote, “It appears that currently available evidence is in support of a hypothesis calling for combined sources of Precambrian granites and volcanic ash falls which produce a unique, uranium-rich, ore-forming liquid that invades very porous and permeable young sediments to form large altered tongues and discrete deposits in a geologically short period of mineralization.” It has been calculated that a typical altered “tongue” would take 700,000 years to form; a typical roll-front uranium deposit could be formed over 50,000 years. Boberg speculated it was the numerous and extensive uranium-enriched ash falls from Middle Eocene volcanism, which was responsible for these deposits. He wrote, “Of greatest importance is the fact that a series of volcanic events from a variety of extrusive centers began about 50 million years ago generating tremendous volumes of ash, which was distributed across Wyoming and adjacent states for greater than a 40-million year span of time.” His explanation of the volcanic ash provides a valuable insight into how Wyoming’s uranium deposits were formed: “The volcanic ash, when flushed by the first rainfall, produced a unique fluid, which was acidic and charged with ions. The chemical reaction of the buffering on this fluid on contact with the Precambrian granites, the ash and other rocks brought the pH back to approximately neutral but leached additional uranium from the granites and probably the ash. The high rainfall and climate assured a steady supply of dissolved oxygen to the fluid resulting in the formation of a unique, oxidizing, uranium-enriched fluid, which entered the unconsolidated, reduced sediments oxidizing them and carrying the uranium to the eventual maximum extent of oxidation.” Boberg explained the development of the roll-fronts, writing, “Fluid flow through the very porous and permeable sediments would be relatively fast allowing for the development of large oxidized tongues with the young sediment as well as scattered uranium deposits at the redox (oxidized reduction) interface within approximately a million years. Deposits formed near the granitic highlands would be larger and of higher average grade because of the proximity to the dual source of granite and ash.” J. D. Love’s uranium discovery in Tertiary sandstones, in 1951, was a near-surface roll-front type of redox deposit. A roll-front deposit follows a sinuous linear trend, often C-shaped. Colorado and Utah miners began calling the cross-sectional configuration a “roll” in the early 1940’s. Roll-fronts occur in sandstones, bordered above and below by less permeable shales. In Wyoming, the “rolls” are bordered by altered and unaltered sandstone. It is generally concave from altered ground and convex into unaltered ground. Harris’ idealized roll-front uranium deposit would have “uranium concentrations decrease abruptly away from the concave boundary, and concentrations gradually decrease away from the convex boundary in reduced rock.” Uranium is not always present everywhere along a roll front. It may be unevenly distributed and there are often other elements, such as vanadium, selenium, molybdenum, copper, silver, lead and zinc. Geologists look for where coarse-grained sandstones grade into finer grained or clay-bearing equivalents as indicators for uranium ore. As uranium geologists know with roll-front deposits, it may be mined as long as it is below the water table. Once deposits are brought above the water table, the uranium concentration can be eroded and severely modified. It is not the roll-front uranium deposits, which interested Harris, but the tabular redox uranium occurrences found in many parts of Wyoming. He found those most prominently in the Cretaceous Inyan Kara Group in the Black Hills. Harris explained, “The uranium mines in New Mexico and many other parts of the Colorado Plateau are also tabular deposits.” The tabular bodies, Harris noted, describe their irregular tabular form, and are found parallel to bedding, dissimilar to roll-front mineralization, which crosses bedding. Harris believed some of the tabular bodies in Tertiary rocks were “the limbs and detached limbs of roll fronts left in less permeable rocks at fluvial channel margins.” He also said that tabular bodies could be preserved in oxidized rock due to high concentrations of other rock, such as coal or pyrite. In any event, Harris agreed with other geologists that Wyoming is a uranium province with uranium occurring in nearly all major time divisions in the state. He concluded, “Uranium was available for mobilization during every major weathering period related to the nonconformities.” In our final minutes together, he was convinced that many of the uranium development companies should sink more funds into exploration and find the elephant uranium deposits, which he pointed out in three different parts of uranium. To his way of thinking, that was more exciting that the simple ISL extraction of uranium from previously drilled areas. As with others interviewed, few of those areas will hold surprises, but instead offer the steady, cash-producing uranium extraction that help develop budding companies. That’s what U. S. utilities, and utilities from other countries, are eagerly seeking right now. Wyoming uranium could fuel many of the U. S. nuclear reactors as more companies commence ISL uranium operations.

         
    Yes you really can save money

     

    Sometimes, saving money may seem impossible. You buy groceries on Monday, pay bills on Tuesday, and by Wednesday your paycheck has disappeared. However, if you establish a savings plan, you’ll “find” money in places you’ve never thought to look! If you’re like most American families, you wait for “extra” cash to save. However, by creating a plan, most people find they can save regularly—and reach their long-term financial goals. In the beginning, the amount you save is less important than the fact that you’re starting to save regularly. It’s O. K. to start out small, but make the amount you decide to save each week or month a commitment—it’s very important to “pay yourself first.” Begin with an amount that you are sure you can set aside so that you build a sense of accomplishment rather than frustration. Giovanna Masci, money management expert at ACCION suggests the following to establish a savings plan. • Distinguish between wants and needs: Real needs are items that are necessary to sustain you and your family such as shelter, food, clothing, and transportation. All the items that enhance or possibly improve your family life, like new electronics and meals out, are wants that could be eliminated from your budget. • Set realistic and achievable savings goals. Experts suggest you place 10 percent of your income into savings. That's a good goal, but don't give up if you can't save that much. Establish a savings habit and save consistently—it’s better than putting aside a big sum just once. • Set up a separate savings account using automatic deposit. If you mingle your savings account with your checking account, you'll dip into your savings and may never pay it back. If possible, have your employer deduct a set amount from your paycheck each pay period and deposit it directly into your savings account—after a few weeks, you won’t even miss the money! • Put your savings goals in writing. Writing down your savings goals can have a motivating impact on your savings habits. It makes your goals real and concrete. Write down your short, medium, and long-term goals along with your projected timeframe to achieve them. Make sure the goals are attainable and realistic and review them regularly. For more helpful tips about managing your money and to improve your financial literacy, visit Your Money and You (yourmoney. accion. org).

         
    You can bank on it

     

    Most U. S. citizens walk into, get online to, or drive up to their bank several times each week and hand over their hard earned dollars. Why do they do it? How many other strangers would they trust to hold their savings, and return the money and additional funds back to them at any point in time? What makes banks safe, and how do we know they are? Well, the first indication that you're money's in a safe place is the placard that greets you at the door - FDIC. This federal U. S. agency, the Federal Deposit Insurance Corporation, typically protects up to $100,000 of your deposited funds from loss. Established in the 1930's, the FDIC became a way to curtail the runs on banks that occurred directly after the Depression. By 1934, with the initiation and support of the FDIC legislation bank runs had been reduced by nearly 4000. In addition to FDIC protection, banks also pay for supplemental banking insurance from private carriers. This insurance is set up to protect investors' funds from vandalism and bank robberies. Banks offer a variety of options to their customers, many of them an evolution of the traditional checking and savings account operation. While a checking account is still the most familiar and most common banking feature, there are now a variety of checking account choices - some, known as negotiable order of withdrawal (NOW) accounts, actually pay interest on the balance. Besides the traditional savings account, banks also now offer loans, certificates of deposit, and money market accounts. Some offer IRAs and education savings accounts. With a traditional savings account, you are able to deposit and withdraw virtually at will, with no minimum deposit or balance required. For this you earn a small interest - currently at an all time low range of .6 - 2 percent. A money market account offers the immediacy and convenience of a traditional checking account along with the interest bearing advantage of a savings account. There are some limitations, however. Generally you can write just a few checks per month - at some banks as few as three. You are also limited to just a few more withdrawals as well. You'll also be held to a minimum running balance, although a money market account almost always pays more interest than a traditional savings account. A certificate of deposit is a banking account purchased in a specific amount for a specified period of time. Banks traditionally offer a variety of time periods for certificate maturities - anywhere from 30 days to 15 months. The longer the time to maturation the higher the rate of interest paid. For the length of the certificate, however, you are not able to withdraw any of the funds. Individual retirement accounts (IRAs) and education savings accounts are designed to accrue a substantial amount over a lengthy time period for a specific purpose, IRA's for retirement, education savings account for college education. They generally offer the highest rate of interest but also deliver hefty financial penalties for early withdrawal except for emergency hardship situations. With as many options as are offered by today's banks, and the protections established by the FDIC, you can indeed bank on your local bank.

         
    You can do what with your ira

     

    Copyright 2006 Damon Clifford Everyone knows you can invest in stocks, bonds, and mutual funds with your IRA. About 97% of the trillions of dollars of IRA funds are invested in these types of assets. Did you know you can also invest your IRA funds into non-traditional assets like real estate, energy, and tax liens? What!? Yes, you can invest your IRA funds into a house, a duplex, or a commercial building along with many other non-traditional assets. A lot of people are choosing these types of investments to better diversify their retirement portfolio. These are the people that don’t want to see their portfolio rise and fall dramatically due to stock market fluctuations. Any good broker will tell you to keep your portfolio diversified with many different stocks, bonds, and mutual funds. More savvy investors say to keep your portfolio diversified with many different assets such as stocks, bonds, mutual funds, energy & real estate. Some of their portfolio’s actually increased during the most recent bear market! This was due to their portfolio’s being truly diversified. There are two main reasons that more and more people are choosing to invest a portion of their IRA funds in non-traditional assets. First, they don’t know or trust the stock market since it has performed poorly the last couple of years, and nobody can predict what the market will do over the next 5, 10, or 20 years. Second, they may or may not know what certain companies are doing on the other side of the country, but they do know about that “hot” piece of property just around the corner that would be a great rental house! One of the added benefits to a self directed IRA is investing in assets that you know, and understand. The more you know and understand, the better judgment you can make in your own investments. Once the self directed IRA is set up, you have investment control of the funds. You can use the funds to purchase the house and the income from rent will go back into your IRA. If you decide to sell the house, the capital gains from the sell will go back into your IRA as well. Depending on the type of IRA you have your gains can be either taxed deferred or tax free! With the self directed IRA, you are in control. Many people are using the self directed IRA to take control of their retirement investments. Stocks, bonds, and mutual funds still need to be in your portfolio to be diversified, but it’s important to understand that you do have choices outside the stock market!

         
     
         
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