MLM Passive Income

I am looking to start a simple, low cost home / online business. Any ideas? Hello. I am looking to create a much needed second income to support my family by setting up a simple, low budget online / home based business to fit around my 45 hour, 6 days a week job. I am not especially competent with computing so the business idea would need to be straightforward and something I could have up and running without any particular specialist knowledge. Does anyone have any ideas? All ideas are very much appreciated. Thank you for your time.

Does anyone have any good home business ideas for teens? Im a teen and I do have a job but the boss keeps cutting back my hours but I dont want to quit because the boss is actually my friend and I dont want him to get upset,so that is juts out of the question.And when I do work I am able to pay some of my bills.But I still need more money,just something a little extra.I need something to do at home.My mom said I could make dolls and sell them and that seemed like a good idea.But I dont know,I want to make sure I am going to make a profit after the cost of the doll.Well anyway I need something like that.Something from home and something like making stuff or just any kind of income thats simple from home.

Ideas for a home based business as a second income? I have job right now that pays well and I have a lot of spare time because I work 12 hour days with lots of days off. I am looking for an idea that will help supplement this job and to give me something to do in my spare time. I don't need to make a lot of money...even 500 bucks a month would be fantastic! Anyone have any ideas? It has to be fairly simple and something I can do from home or the internet!

Like to see audited income figures of a 20-year home business where about 52,000 make over $100/mo. part-time? I'm 57. I've tried them all. Only contact me if you are for real. No "looky-loos" or "I need to think and worry some more." Quick review: 1) Simple referral revenue sharing concept; 2)Everyone is a customer and shops direct. No selling products or taking orders or refunds or exchanges. Company handles it all with 100% guarantees; 3) 6 product lines with over +355 unique consumable products used in every household everyday; 4) +95% monthly reorder rates; 5) Exceptional proproprietary products at reasonable prices; 6) Product discounts and member benefits with a low monthly order; 7) Low membership fee; 8) Potential to build lifelong residual monthly income.

Is it possibel to get a simple work from Home job Via the Internet and earn an income? If yes what sort of work is easier? Please Specify? Is it available Internationally? Which companies are offering this sort of work? Do you think providing services is better than doing a business on the Internet?

A true home business that really works, without needing a lot of money? I'm looking for something that works, with out the need of a web site and spending a lot of money, not to mention I need somrthing that is simple, and really helps me to get some income into our home. Thank you

how can i start a small home business? i have been thinking about starting a small business. i want to sell products online but dont know where or how to start. i have sold some of my college textbooks online before and would like to do something like that. i want to do something which is simple but will produce some income. i want to start out small and i have about five hundred dollars to begin with.

Where can I commission someone to design a logo for my small home crafting business? I'm starting a business selling my crafts on Etsy. I have no income at this point and would like to have someone draw me a simple logo for $20-$50. Where would I find an amateur artist who would be interested in this sort of job? Also, how can I make sure that I have all rights to reproduce this logo on my website, and at craft fairs?

Retired Internal Auditor needs help in seeking ways to create income thru use of the internet.? If you are sixty five a retired Internal Auditor. Can anyone suggest a simple legal and easy way of earning a reasonable income through use of the internet No home business scams pleas?

What are the best home-based, part-time internet business? I am about to embark on at least 3 at one time to keep the income options open, but want to know the simplest and most lucrative businesses from those who are already successful. I was just contracted with LiveOps, but that ended...

I'm looking for a home business. Something reputable, something with a good system to follow... Any insights? I've tried a number of home businesses in the past, but am seriously looking for a good one now... With the crap hitting the ceiling with jobs and all - it's time to take the bull by the horns and make something happen for myself with alternative income streams. And, I have learned over the years that whatever I do, requires to have a real system in place so I can just plug into it. I don't have time to waste setting up everything under the sky before I get going. And I was shocked to see that so many opportunities don't have this simple concept taken care of. I'm tired of looking and looking. Does anyone have any experience with any successful home based businesses? I want something plug and play.. a nice franchise type home business And guys, a real business that makes a real income (I'm looking for at least $250K my 1st year) does require start up capital and work - I get that - PLEASE don't suggest to me any "mickey mouse" businesses.

Hey girls & guys! Please provide a simple idea to help me bring in some income!!! Pretty Please :-)? Hi all! It's really simple, I'm a mommy and student and I need ideas for a relatively simple business I can start at home that has little or no start-up fee. For example, running errands for people. **Please NO SCAM/SPAM...I'm not clicking on your silly link or signing up for surveys, watching videos, etc!!! Thank you :-)

want a genuine home business thats works? a real home business that gives real results. earn a ceo income without selling, cold calling and not MLM. Take this journey of your life to success.... makerealmoney4success. unifiedwealthsolutions.com Here’s what some real life people has to say about this opportunity… Delwyn McKenzie (ex Dairy Farmer) I LOVE this business. I found this business over a year ago when I thought I had exhausted and failed at all ways of achieving financial freedom. I was a dairy farmer at the time with 6 darling kids and was so over 4.30 starts, gumboots and cow poo!! I was a girl for goodness sakes and what can I say- I LOVE high heels and designer clothes and money!. This really is a very simple system with incredible leadership built on integrity and is a wonderful vehicle to create wealth....I really do LOVE it!...and it works!......I have made more money in the first 7 weeks of this year already than the whole of any year on the farm (exciting!) and if a girl from a farm in the Wops can do this and make a ton of money...then anyone can!!..The support and the people here are AWESOME. The money is fantastic and you never have to figure anything out for yourself ever! This business rocks and I am having a ton of fun and loving life! check out my web to see more testinmonals!! makerealmoney4success. unifiedwealthsolutions.com

Does anyone fancy a really home-based business oppotunity without putting much time into it? The company is called XanGo and it has done better than Ebay and Yahoo in its first year. Sherman Okkafer who used to be in the banking industry came up with a very simple system that works. His business grew in 36 months to earn him a 6 figure income and a turnover of $150 million. If your interested in finding out why XanGo is so successful visit my website: www.mymangosteen.com/ paulhanson If you require any other information or would like to ask any other questions regarding XanGo and its benefits please email me at paulbryhanson@yahoo.co.uk otherwise just answer the question at the top and I will get in touch with you. Regards, Paul

Want to work from home? I want to share with you an exciting Home Based Business Opportunity that is currently earning an steady monthly income for thousands of affiliates. Our business opportunity is one of the best affiliate programs on the Net -- and now you have the UNIQUE OPPORTUNITY to JOIN FOR FREE... Since 1986, we've helped tens of thousands of men and women build successful home businesses. Our program is simple, utilizing a turn-key marketing system that will help you build your business. Reasons to Join the our Affiliate Program: FREE to Join FREE Website FREE Online Store EARN 40% Commission No Inventory to Purchase Fast and Easy Signup Real Time Reporting Online Training No previous business experience needed Work from Home Products People Want You don't ever worry about: - Collecting the money - Packaging the product - Shipping the product - Customer service ... or anything else for that matter! You just do the promotion and collect your commission from the resulting sales! So if you'd like to learn how you can join the CCC Affiliate Program today -- at absolutely no cost, with absolutely no risk -- and start profiting from products that are earning current affiliates thousands of dollars every month, then I highly recommend visiting... http://www.cajuncountrycandies.com/W5957/free

What is the best country to live that does not charge income tax? I have an on-line business so I can work from anywhere. I am a Canadian citizen, so I don't need to pay on my income tax to my home country if I leave, like Americans do. What are some countries you may know of where I can relocate to , that I do not need to pay income tax on my income. It's not that I have objections to paying taxes. I just don't like all the record keeping involved and prefer to live an uncomplicated, simple and stressfree lifestyle.

What else can I do with my computers for business? I have 4 computers for our small cafe . We are just located in our home but the turn-out of costumers is not that much. I want to use my resources for other source of income. Anybody , please help me what can I do to add more income. A simple task for additional income is preferrable .

what business is right for me? I am a educated stay at home mom I can cook, knit and also can make too many crafts I can make different things like curtains and some simple dresses or sleepwear using swing machine. I also can take some online certificates if my job needs. I need to have some income by myself but I do not know how I should start it or which one of my abilities is more useful for a home business. any idea please? please I need more answer

Divorcing .. She want home...? I am very torn right now with a major choice I have to make regarding my pending divorce. This may be long so please forgive me... Facts: Married 21 years 2 kids (14-11) I make 70% of household income She has ran a home business for 10 years I admit fully to being an "ok" husband. What I mean by that is I've been a workaholic and have spent far too much time at the office but I truly felt I was doing the right thing by working all the time to provide for them. By doing this, I allowed her to do far too much. I'm simply being honest. I didn't realize how mch work a stay at home mom does until I found myself on my own. She asked to separate last year and I agreed hoping it would be a short-term thing. Well, one night after our separation, I came home and found emails from a "guy friend" who I don't know. Very inappropriate emails (not exactly sexual but very inappropriate for mother of 2). I was devistated and she told me that she had kissed him. She explained that I had paid her little to no attention in a few years and that this person started showing her attention and that she simply had a "weak" moment. Sure, I had paid little attention to her romantically or physically. That was a huge mistake but not one that should have allowed an affair I thought. Well, one year later we're in divorce court. I have two sons that I love very much. We have had some great financial difficulties due to a failed business (thanks to the recession). She was working but I learned today that she quit her job. She asked me if she could remain in OUR home until she gets back on her feet financially. She wants to keep the loan in BOTH of our names but we forclosed on a piece of property a few months ago and I'm positive she can't get the home refinanced for YEARS. Her plan was simple. She wanted to divorce and have me (at age 38) move in with my parents until we get our fiances straight. This will take years if ever. Then she wanted me to continue to have my pay checks deposited in her bank account and she would simply send me spending money. In October I had had enough and I routed my pay to my own personal checking account and cut her off completley (I left her $40,000 in the bank). When the property foreclosed the bank wiped out her checking account and now she is flat broke and unemployed. I know many will write and say "let her lie in the bed she made"..however, I don't want to see her miserable as I know had I been a better husband she'd never have left and both of our lives (and kids) would be better today. No, I never once laid a hand on her. I just wasn't there for her with the small things like a good husband should be. I didn't appreciate what I had until it was too late. However, she gave me little to no time to work out our problems before she had this "affair" (of course she says it was leading noweher but who knows) and then just gave up on us. Now I am faced with the huge dilema of the house. My attorney STRONGLY suggests insisting on making her get out in 6 months and selling the house so my name will not be associateed with it. I am fine with that but my oldest child will be a senior in high school next year. He makes straight A's and loves the home/area and he had NOTHING to do with our breakup. If I follow the lawyers advice and general common sense I make her sell it but I want to be a stand up dad and I'm afraid that if I do this my kids will never forgive/forget what I made them do. I used to trust this woman 100%. Now I just can't trust her. She does not have the income to live in this home. PLEASE share your thoughts.

I have a question for stay at home moms!? Has anyone ever heard of DATA ENTRY JOBS? I have seen it on Yahoo HotJobs and was wondering IF anyone has heard of it or has been using the site here is what they say about it. I would like to know if it is possible that it could be a scam but could anyone tell me thanks! Do Data Entry online by working at home. Your earnings start at $300/day and up to $1000/day, depending on how much data is processed. Click below to apply! Benefits/Income Make a stable income by doing simple data entry online Part Time Expected Income: $4,500/month Full Time Expected Income: $10,000-$15,000/month No need to commute to work Work at home You have no boss Requirements an internet connection or access to the internet Experience is not needed however, you need to be able of working from home Basic typing skills We ask that you put aside 30 - 60min/day We do NOT require any special skills, previous business experience or education Anyone can register and begin working immediately Click below to apply! Many of our employees are work at home moms, students, unemployed individuals and former retirees. How Does This Work? Your earnings start at $300/day and up to $1000/day, depending on how much data is processed. This is a work at home opportunity and we are looking for individuals who are willing to work from home. No experience is needed, we will take care of the training. Paychecks are guaranteed on the 1st and 16th of each month. Full time/part time positions are available now. Thousands of companies have contracted their data entry needs to us. As a results, we need to hire more individuals to help us process that data. Large fortune 500 companies need forms written up such as, receipt forms, brochures, customer lists, e-mailing lists, etc. About Us Data Direct Jobs has been in the business of data entry and data processing for over a year. We have contracted many people and have lead many to success. Check out our website to register for the opportunity and to find out more information about us: Related Keywords: work at home, work from home, work at home moms, retirees, data entry, computer work, business opportunity, make money from home, wah, W.A.H., making money from home, make money working at home, business opportunity at home, data entry at home Although hotjobs.com has reference to job placements, this offering is for a Work at Home business opportunity and is in no way to be construed as a job offering. There is a one-time registration fee of $37. The incomes presented are applicable to the individuals depicted and are not a guarantee of your income nor are they typical. Each individual's success will be determined by his or her desire, dedication, effort, ability to follow the training of our system and personal talent.

I filed my 2009 taxes + Sched C but forgot to include the Sole Prop. income on STATE. What are penalties? 1.) I want to file my 2010 taxes ASAP. I don't know the figures, obviously, as they will need to be amended/corrected. Where do I go from here? I did it all late at night and TurboTax Home & Business stated it was error-free, in the risk-free "green" zone in re: audits and reviews. I had to mail them. 2.) When filling for last year, I included EVERYTHING on Federal and more or less paid no mind to State, other than answering required questions and entering my income. NOTE: Income sources are a bit unique for the situation. I receive a SSA-1099, or, 1099 for disability benefits. My Sole Proprietorship is fledgling and, as of then, was being reported for the first time. There was no real profit or loss. It was so low activity profits were > $500 and there was no startup equipment, less a few small things, required. I can NOT claim my home as business property, as it's housing beyond a simple landlord+lessee contract. No frivolities w/ write-off's. So, with the last year's returns on the skids and this year's coming up (with no business done to report on the Schedule C, $00.00000, literally,) what is the best course of action? I feel a little overwhelmed here! Please help. Beaucoup points and whatever else Yahoo! will let me do to the best replier/poster.

Legitimate work from home due to disability? I see this asked a lot, but I'll throw this out there and hope someone knows of some legitimate ways to earn a paycheck from home... but I have a feeling I'll get slammed with spam from the scammers. So here's my situation/goals: I'm disabled and have been for many years now, and am on Social Security Disability (SSDI). So, if I want to increase my income, it has to be from home due to my particular disability. I'm currently trying to buy a home, but because of my low income, my debt-to-income ratio is so high, the lenders want me to put ridiculous amounts of money down on a mortgage. I can't afford the insane down payments they want. What I need is a legitimate source of income - as the lenders want to see 2+ months of paychecks as proof of the income - that can raise my monthly income to a more attractive level to the greedy lenders. Things I can't/won't use: The typical backwards scams where you have to pay the "employer". The other various obvious scams... "Earn $250,000 a month from home!!!" Anything with a wildly variable income that would make lenders believe the income to be unreliable ($1500 one month, nothing the next, $200 the next, etc). Now, I understand that some people have found legitimate work from home with a business-type situation that required a small initial investment. I definitely wouldn't be against this sort of thing - if it's really legitimate. These things we hear about all the time where you put $100 down and they create and maintain your free website, drop-ship their products you choose to sell, etc etc, all sound wonderful, but a little too good to be true. That's all I can really think of for now. I'm just looking to increase my monthly income to reduce my debt-to-income ratio. Nothing spectacular, nothing too good to be true, and nothing illegitimate. $500 a month would do wonders. $1000 a month would obviously be even better. But I'm realistic, and am not looking for some scheme that claims it's going to make me a millionaire. Although, if you happen to know someone who's looking to rid themselves of a million bucks, I suppose I'd accept. Well, there it is. Hopefully someone reading this understands my situation, and what I'm looking for, and is aware (or even involved in themselves) of something along these lines. A simple, legitimate increase in monthly income.

Do I need a business license to have a little dance studio in my home? If so, would the costs to license it be worth it if I just want to be a small little studio? I don't want to be huge. I just want to stay simple and provide a little supplemental income for my family. Could I just teach dance to church and neighborhood kids and be ok without a license? I plan on claiming all income on taxes of course. Would I for sure have to have a license if I do that? What's the process, fees, etc? Is it worth it? so If I do, then is it worth it? What are the costs and what's the process to do something like this? I live in Az.

business aquisition question? I have a very simple question...say someone was selling their business for $2,000,000, the gross income was $6.5M and the "take home" net income to the owner per year is $1.2M a year. Could a potential buyer suggest that the owner 100% finance the sale, with instead of paying $2M upfront, he pay $1M a year for 4 or 5 years instead? is there a name for that & does it ever work? It would seem like a win-win situation, the old owner would take home much more than what he was asking, and someone with-out the capital & resources to obtain funding, could obtain the business they were after. does this happen ever?

Forget the hype, forget the rhetoric. Here is the simple math. The question is...who will you vote for? SIMPLE MATH: 2008 PRESIDENTIAL CANDIDATE COMPARISON TALKING POINTS THE ISSUES: JOHN McCAIN / BARACK OBAMA Favors new drilling offshore US JM - Yes BO - No Will appoint judges who interpret the law not make it JM - Yes BO - No Served in the US Armed Forces JM - Yes BO - No Amount of time served in the US Senate JM - 22 YEARS BO - 173 DAYS Will institute a socialized national health care plan JM - No BO - Yes Supports abortion throughout the pregnancy JM - No BO - Yes Would pull troops out of Iraq immediately JM - No BO - Yes Supports gun ownership rights JM - Yes BO - No Supports homosexual marriage JM - No BO - Yes Proposed programs will mean a huge tax increase JM - No BO - Yes Voted against making English the official language JM - No BO - Yes Voted to give Social Security benefits to illegals JM - No BO - Yes CAPITAL GAINS TAX MCCAIN 0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.) DIVIDEND TAX MCCAIN 15% (no change) OBAMA 39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes if Obama becomes president. The experts predict that 'Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.') INCOME TAX MCCAIN (no changes) Single making 30K - tax $4,500 Single making 50K - tax $12,500 Single making 75K - tax $18,750 Married making 60K- tax $9,000 Married making 75K - tax $18,750 Married making 125K - tax $31,250 OBAMA (reversion to pre-Bush tax cuts) Single making 30K - tax $8,400 Single making 50K - tax $14,000 Single making 75K - tax $23,250 Married making 60K - tax $16,800 Married making 75K - tax $21,000 Married making 125K - tax $38,750 Under Obama, your taxes could almost double! INHERITANCE TAX MCCAIN - 0% (No change, Bush repealed this tax) OBAMA Restore the inheritance tax Many families have lost businesses, farms, ranches, and homes that have been in their families for generations because they could not afford the inheritance tax. Those willing their assets to loved ones will only lose them to these taxes. NEW TAXES PROPOSED BY OBAMA New government taxes proposed on homes that are more than 2400 square feet. New gasoline taxes (as if gas weren't high enough already) New taxes on natural resources consumption (heating gas, water, electricity) New taxes on retirement accounts, and last but not least....New taxes to pay for socialized medicine so we can receive the same level of medical care as other third-world countries!!! You can verify the above at the following web sites: http://money.cnn.com/news/specials/election/2008/index.html http://www.cnn.com /ELECTION/2008/issues/issues.taxes.html http://elections.foxnews.com/?s=proposed+taxes http://bulletin.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visions_on_taxes.html http://blog.washington SORRY...here's the right link: http://www.cnn.com/ELECTION/2008/issues/issues.taxes.html Whether it's been passed around or posted before is not the point, the point is that it's the truth! It's up to you what you think is important. I'm an independent who votes for whomever makes the most sense and rings the truest.

Website Developer Income? Anybody out there do this part time for small businesses? I was thinking about taking some classes in college which would allow me to set up a home based website design/development business and wanted to know: 1) Roughly how much can I charge/make for a simple 1 page business? 2) Is there enough of a market or is this being done more and more overseas? 3) Bare minimum class suggestion at local community college (not planning on a degree - looking for Java, HTML, C++ classes, etc.)

Work from home online jobs..? I am currently employed and make a decent living, but As everyone else, I am looking for ways to increase my income. Obviously the simple way is to change jobs.. I have a great job! Wonderful benefits! With decent pay ( put it simple my bff graduated with her business management degree and currently works with me for less $$) I am married so working two jobs and trying to manage a wonderful household isnt the easiest way, I am wondering if there are any ( if at all) jobs that are worth applying for that I can do from home.. Ive seen the ads for stuffing envelopes making thousands more a month!!??! and answering surveys?? ( which I could manage in my spare time) Are they real? I currently work in customer service via telephone, so answering phones after im off work.. Ehhhh.. tgrying to stay away from that! If you or someone you know currently works from home and makes decent pay.. please throw their employer info my way! Thank you!

Selling with more than one at home party company? I met a lady at a local craft show that sells for Scentsy and Tastefully Simple. She doesnt combine her parties (against rules) but she is successfully running both businesses at the same time, do a lot of people do that? I do Scentsy now and would love to add another for extra fun income. Any suggestions? :)

Quicken, how does one "jump in" and learn how to use it for the first time ? I am good with numbers and have done simple budgets for my household over the years, I'm in my 50's, but I have Quicken 2007 Business and home and I'm thinking I don't want to transport my banking info online. Can I do quicken manually and is the dummie book for it good ? I bought it cheaper without a printed out manual. HElp ? I just want to start small and I'm on a fixed income so it should be easy to start ?

In a spot of hot water over Home Surgury practice. Advice? Here's the situation...I practice Home Surgury on low income seniors and people with no health insurance. I do this out of my garage mainly, although will make house visits. My operating instruments are basic woodworking tools, X-acto knives and a Makita cordless drill. I've had pretty good luck... simple procedures like appendectomies, tooth extractions, simple amputations and goiter removals...and would like to branch into knee replacements and gastric bypasses after reading up on a few techniques . Business is good, with only a handful of complications and complaints. While performing a routine gallbladder snip and stitch, I believe the battery from my cordless drill became disengaged and slipped into my patient. I can't find it anywhere (luckily they come with two batteries). I haven't said anything to the patient, but now he complains of pain and swelling, the swelling is in the exact shape of the battery. Should I risk a lawsuit, not really being a doctor? Or keep quiet?

I Need advice (Business wise) on how to start a professional music studio & a workspace for visual arts.? Any help is greatly appreciated. I am a 21 Year old music producer, I have been producing from home for 5 years now. At the moment, im working minimum wage trying to save for some better studio equipment. I have no money, no line of credit, and no collateral... Though I do have Talent, and a lot of it. Not to brag, but I make instrumentals that are radio worthy. I know almost everything you need to know when it comes to recording and being a music producer. I am excellent at creating mixtape/album cover's via Adobe Photoshop. and I am also really good at creating & editing music videos. My goal is to combine all three into a business were customers can achieve their artistic goals be it audio/visual through my company. I already have customers willing to pay for my services but I don't have a place to accomplish it. I have already done the Home studio set up and although its a minor success, The fact of the matter is people want to pay to record in a professional studio environment with professional studio quality. Not a small setup at someones home. The problem at hand is simple....Money. and none of it. I have done the correct calculations for the expenses, equipment, copy-writes, promotion, rent etc.And In order to achieve a legit professional recording studio you would need an average of 80 - 100 Grand, But that's being generous. It would probably cost a lot less, or maybe more. I have consulted with other businessmen and they said my chances of getting a bank loan is almost impossible with no credit, not a solid income, and no collateral. This industry has a lot of potential for generating a high income. but like the old saying goes - "You Need Money, To Make Money". I just don't think its fair that I have all this talent to be exposed but the only thing holding me back is money. But life's not fair right? and asking people to invest on my talent is out of the question because I think they will not want to invest in something that is not a material object. So what should I do? How can I get started in opening my business, If i can't get resources from the bank, investors, and other people. Like how do other people do it who have nothing and somehow get money for their business. I realize that it will take a lot of hard work and saving here and there, but If I'm earning minimum wage, and I can't get a better job because of my lack of education, how am I suppose to save money when I have to spend every cent I get on bills, family, and other expenses. Again, Any help/advice is greatly appreciated. Thanks for taking the time to read my question/problem. Thanks, - Brian

Can someone please tell me how I can find a ligitimate online, work from home, job? Hi All, I have seen a few similiar questions to mine, however I'm wondering if anyone can help me out... Like many others, I have been searching for an online opportunity/business which will give me an extra income in addition to my everyday job. My request is pretty simple, I want to be able to do my normal job during the day and come home at night/ weekends, sit at my computer and do something that is going to bring in an income. However, I don't want to have to call people, sell anyone products, conduct recruitment sessions, fill out surveys (was scammed in the past).... Im hoping that someone might be able to put me on track to a company that they themselves are working with or that they know of that will genuinely allow me to do work from home and be paid for it (along the lines of data entry etc)... All i keep finding is thousands and thousands of ads telling me I can earn $000's a day/a month for just a small joining fee... PLEASE PLEASE HELP!!!

Decorator Consultant and Starting a Business How?? Don't know where to start, Will it work? Hello, Hoping to find some friendly suggestions... I worked for at a large coorperation in Custom Decorating as a decorator consultant for 10 years thus I have 10 years of custom window treatments sales, I do have color skills and decorating skills, measuring, fabric knowledge. Since the big economy fell my lucritive $60,000 commission checks have diminished last year, we lost our home, cars You get the point.. I decided to leave the company to take care of my son till he starts kindergarten and get some good mommy time since I had been so busy before. Now he is starting school and I cant return to the company I so loved, Problem is that there is no openings and the business is overpriced I always though and not doing good , they are stuggling with about $1500 income a month. Decorating is my passion and helping people. I want to stay in this field since its something I love to do and wake up every day looking forward to work and creating something new, everyday is different. I have been considering starting my own business as a decorator/shopper. I can paint, draw murals (simple ones) Cartoons/ palm trees/ rock etc... I have painted several homes I have lived in myself and my brother is a professional painter I could hire him for big jobs and just try to buy the equiptment myself. I LOVE shopping and I am really good at coordinating and finding deals. I was thinking $25 hr plus 10% commission for items purchased, I am going to be Frugal and real competitive in this economy, any help or adivise would be very appricated! My husband is out of work too, but he would be happy and willing to help, like installing window treatments, errands etc. I was thinking possibly I could find a seamstress and do some simple drapes/panels as well. Any help on how to get this off the ground with little to no money and any ideas would be so appriciated. I am well known in my city with lots (hundreds) of happy customers from my 10 years with that company.

Have you ever done direct sales? Pampered Chef, Creative Memories, Mary Kay, etc? Looking for success stories from folks who have experience in direct sales. Have you ever done direct sales with an at-home business like Pampered Chef, Mary Kay, Creative Memories, Tastefully Simple or the like? I'm curious about a few things: *Up front costs for new consultants *Profit margins (I know that some are 20% while others are 50%...but which are which?) *Pushiness of uplines/directors *Hidden costs (i.e. purchasing catalogs, websites, sales slips)...those little things that add up *Avg time of a home party *Monthly avg direct sales income (i.e. is it worth it?) Thanks for all input!

canburry jobs is offering Home based internet jobs.. Is it true?? or its a fake? canburry jobs is offering Home based internet jobs.. Is it true?? or its a fake THE BELOW MENTIONED is WHAT THEY HAVE STATED IN THERE WEB SIGHT.... Dear Internet Friend, Welcome. Nice to meet you through this website. This website is exclusively designed for Indians who wants to earn money through Home based internet jobs without any investment, who can spend only few hours in a day. Trust us, you will earn Rs. 50000 and more from this month. As we have got Collabration with Real Estate Companies, Job Portals, Matrimonial Websites, Advertising Companies & Some Data Houses. What is the actual work? The actual job depends on the plan you choose, so kindly click on the plan you wish to choose We will be providing you with the Training & other helpful information for the same. Is it easy to Work like this ? Yes. This is a very simple & Convenient way of earning money & you dont have to leave your exisiting job for this. As we already have many People associated with us. Also there are 1000's of companies those who want to run their business all across india, but cant open their offices in all cities due to high costs & Manpower. So they outsource such process to companies like us, as we have got a good strength of work from home people to complete their task. How much can I earn ? You can earn between Rs.5000 to Rs.50000 per Month depending on the plan you choose & Time you take out of your schdule. We have many categories for you to workon.. Based on the category, the rate will vary. Is this work available worldwide ? No. This work is available only for Indians. In future, we will recruit peoples from all over the world. You just need basic internet browsing knowledge. What is the Qualification to do this work ? No need Extra qualification. Just basic Internet Browsing knowledge is enough to do this job. How much time I need to work in the Internet ? There is no hard and fast rules regarding the work. It depends on the number of hours you work. You can work at your convenient timings. But it is good at least you work 1 hour daily to earn a decent income. When will I get the payment and what is the mode of payment ? You will be paid on or around 15th of every month for the previous month earnings. We pay you by Check. Is there any other way to earn more money ? Yes. You can earn more money from our referral scheme. You can refer others to join this Website. How can I refer others ? All the referral scheme details are provided in the member login area. We provide you all the referral marketing tools, ideas, tips etc to increase your referral commissions. Do I need to Pay anything ? Well, we dont charge thousands of rupess as other companies do, all you need to pay is a nominal amount which will be used for sending documents at your address through courier & also for training Material. the fees varies according to plan you choose. For More details, Please click on the Programs available on the Left above.

What the hell should I do, if he has failed to keep his promises, Again? Married 5 years, together 8 years total. 2 kids, 1 on the way. Received marriage counselling for 1 year(in 2010). He has anger management issues. I'm now 8 months pregnant, and he is starting his "whining" cycle, which consists of him only helping me to get what he wants, then saying he'll find someone else to take care of his "needs", then telling me he's depressed, in order to try and guilt me into sexual acts. At this point, (we're both 26), I've completely had it with his attitude and complete lack of maturity and compassion. I'm a SAHM currently, but do help out with my home business of birth photography when I can, for income. So don't assume that I just take care of my family, which is energy consuming enough as it is, w/out contributing in countless other ways. What I'm in need of is maybe, a miracle to get this through his head: Grow up. Actually try being genuinely helpful for my sake, not your dick. Utilize my opinion, not ignore it. Oh, and the ever classic tool of paying attention, otherwise known at LISTENING. If he were to accomplish these amazingly simple tasks, he would get laid about every day, not kidding. I'm not one of those girls that speaks in code. What you just read, is Exactly what I've asked him to do. So what am I to do next? Honestly, if you think you can help, please do so!!! I'm at the end of my rope, hormones or not(even though they aren't making me feel better). The marriage counseling we received did help our lack of communication at that point in time. We would've liked to continue it, but it was very financially hard for us to even go that long. I am not with-holding sex as a punishment. I enjoy having sex with him, but I hate to reward his behavior towards me. If he wasn't being such a jerk, he wouldn't have anything to be complaining about, and neither would I.

Fiance and I would like to make a simple prenup....? We are just both trying to be realistic about the possibilities. We've been together for a very long time so it's not really a "divorce" plan but we do have separate assets we are perfectly fine with keeping separate. He has a house, a car, and a better job than me. I only have a nice car that was given as a gift to me from my parents. So all we really want a prenup for is these items, and any future income we may make. I plan on getting some novels published along with starting my own business. Right now he makes more than I do, but someday the roles may be reversed. I also know I have inheritance of some sort when my parents die (very sad thought :( ) but I don't want any spouse of mine to be able to steal that way. I believe my parents did put something in their will about none of the stuff can go to their children's spouses but just as an extra precaution. I don't want anything fancy and would really not like to pay a lawyer $1000. Like I said, we love each other dearly and we're confident we're going to stay in the marriage for love...we don't want to stay in the marriage because we're "Afraid to lose what we worked hard for." We basically want to say everything in our name from before and after the marriage to stay ours in the case of a divorce. I know it sounds really unromantic and I know all those hopeless romantics are like, "If you love each other you don't need one." Well...my brother dated a woman for 4 years, and was married to her for 10 and we never would've guessed she would have started up an affair, and the moment he finds out says she doesn't wanna work on the marriage. She took everything inside the house, and threatened to take the house.... even though she sat at home and he made all the money. I knew her for 14 years and we never saw it coming!!! So I realize to have a simpler, cheaper prenup it won't be able to solve all the complicated problems down the road, but maybe it'll give at least a small, thin padding of relief. Can we make our own and have a notary sign it or how can we do it for cheaper? I'm not saying we wouldn't combine mutual things like have a joined bank account OR buy a house together as a married couple in the FUTURE. What I'm saying is....IF we have a joined bank account AND a separate bank account, the separate accounts would stay separate and not be able to be touched. The joined accounts would be disputed if it came to that. I'm not looking for a crazy in depth prenup.

May anyone please give me a small investment idea? You always hear stories about self made millionaires through simple business ideas such as making a magazine or designing jewelry from home, etc. My goal isn't to become a millionaire but I'd love to start something that would potentially generate continuous income/ revenue (perhaps open a shoe store, etc). I'd like to try something different this year with my tax return and I'm thinking of investing a portion of it but I don't know in what, where or how. Because I'm not too familiarized with stocks, I'm hesitant to go that route. Are there any entrepreneurs or investors out there who can throw some ideas at me? I'd be afraid to risk everything so I'd like to start small with about $1500-2000 investment. Any and all ideas/ feedback would be greatly appreciated. Thank you in advance! I have a couple of degrees in Accounting (if this helps or not). *No pyramid scemes please*

Gift of service etiquette? I just graduated from college. I'm an interior designer and certified home stager. I am in the process of starting my own home staging business. Obviously I'll be working at least part-time somewhere else for income while this is getting started. My sister-in-law is a graphic designer and she does beautiful work. I e-mailed her the other day to ask how much she charges for a small logo that can be used on business cards and a simple website. I had every intention of paying her. She e-mailed me back and said that she would create a logo for me as a graduation present. I feel guilty because that's very generous-- customers pay thousands of dollars for the logo and rights to it! I hope she doesn't feel like I was cornering her into doing it for free because that was absolutely not my intention. My main question is: how do I handle input? If I don't like it or if I would like a few small changes, can I ask her? Or is it rude because it's a gift?

HELP! Received a 4464C Letter from the IRS. ANY INPUT? I received a letter 4464 C from the IRS dated Jan 22nd 2010. I e-filed through Turbo Tax and have a fairly simple return. 1 W-2, same employer as last year. I did move and the man today from the IRS asked me to fill out a change of address form but assured me that wasn't the problem. He couldn't tell me why or what information they were looking for. I received - Letter 4464 C. I received the letter today. It says that there is a delay in the processing of my refund and gives the following 4 reasons for the possible delay: - Income you reported on your return - Income tax witholding amounts you reported on your return - Claims for tax credits you made on your return - Business income you reported on your return (I have no children and didn't claim EIC, no home buyers credit, also didn't claim much of anything else. Small donation to goodwill, nothing different from last year. Some clothes, shoes, and furniture. No business income, and same employer) I check the Wheres my refund and it tells me that I May get my refund by Feb 2nd if I don't owe taxes or there aren't mistakes found. Did anyone else get anything similar? And did it get resolved? UPDATE: So today (Sunday) I checked Where's my Refund on the IRS site AND I called the refund hotline. Both are still giving me the message: We have received your tax return and it is being processed. Unless we find mistakes or you owe other taxes, you should receive your refund by February 2, 2010. Well Feb 2, 2010 is TOMORROW and I highly doubt my refund $$ will be in my account in the morning. I am confused beyond belief at this point. Has anyone else figured out what went wrong with our returns or get any answers? When I call and speak to a rep I get 10 different answers and I am beginning not to believe anything the IRS says. I check the mail constantly to see if ill get another letter, something? By the way my BODC code is WI, I think it means something about income & With holding. I hope my employer didn't mess up my W-2. But then I would hope TurboTax would catch it. Any updates out there? On Thursday I received this email from Meta bank, since I filed through Turbo Tax and choose to have the fees taken from my return. It was cheaper than going to the store and purchasing the software! Thank you for selecting MetaBank to process your income tax refund. MetaBank has not received your IRS refund this week as expected. We expected to receive your IRS refund on 01/29/2010. Since we only receive IRS deposits once a week, the next opportunity for us to receive your refund is one week past the expected funding date shown above. We will not have any additional information until that time. When we receive your refund, we will make all authorized deductions and disburse the balance of your refund to you using the disbursement method selected by you. For more information concerning your refund please log on to our Internet site at https://cisc.sbbtral.com . You may also check on the status of your refund by calling the IRS at 1-800-829-1040.

renting and depreciation of simple outbuilding? Hi: I have 2 small book businesses that I run out of my home and I rent a bit of space elsewhere. I also use a couple of sheds for my businesses that are on my property but that are separate from my home. My understanding is that I can pay a small rent to myself for the outbuildings and deduct them as a business expense. So here are my questions: 1) I have both a sole proprietorship and S-corp business [both book businesses--one wholesale; one retail], can I only deduct renting the outbuildings to myself if I pay for it from the S-corp or can I also deduct the payments from the sole proprietorship as well [my preference if that's allowed]? 2) I assume if I do this, I will need to fill out a schedule E come tax time for the income personally received. I'm also assuming I'd need to depreciate the outbuilding--but how do I do that when there is no separate cost basis for the buildings? Or will it only be possible to deduct repairs to maintain the outbuildings? thanks for yr help!

Is there an accurate Review of ITV Ventures and its Costs? A new wealth-generating movement is emerging and this is your opportunity to be a part of it. The recent formation of ITV Ventures™ signals the next era in home business ownership, a wave of self-made financial success stories, and for many, the possibility of substantial wealth. The concept is simple. You get paid to connect purchase-ready customers with the products they want. ITV Ventures™ will help make it happen by delivering a new and exciting approach to operating an internet-based business from your home and providing the support and resources it takes to succeed. The only real and upfront ITV Review and its cost to rely on.... Your Partner In Residual Income, French Montreville 617-487-4340 http://www.myempoweringteam.ws

Does Anyone Have An Suggestions As to How I Can Bring in Extra Cash (Without Risking an Online Scam?)? If you work for a data entry company that you trust, or if you have a simple idea as to how I would be able to pool in extra cash...your ideas and resources would be very helpful!! I'm not interested in starting a home business - I am a full time student and a part time nanny and I need a little something on the side that can be flexible and beneficial to my income. Thanks! I tried guru.com but It was so detailed and I wasn't able to search for any jobs because something seemed to be always wrong.... Thanks for the advice. What about a real job..one that you have to work for? Any ideas?

can i deduct the loss on my sole proprietor business on my personal taxes? I started my own home based biz last year and this is my first year filing taxes for it. I had a small loss in the biz because of all the start up costs and such. I know that I file a 1040 with a schedule c attached but do I report the loss on the 1040 somewhere? I am trying turbo tax online and it shows that I owe money. The only income I had aside from the biz is from a simple ira i closed last year. So I got taxed for that which i understand. But shouldn;t the loss in my biz be deducted from the personal in someway? Or is this just wishful thinking?

Can we purchase a home? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA

Can we qualify to buy a home? how much? Credit: 710-Mine 750-His NO negatives Income: $51,000 My fiancé works for a delivery company and in May he will have worked there for 1 year. He is a 10 99’d employee. I would say in the next 6-9 months he plans on buying his own delivery truck and becoming part owner on the company. Before he worked for a Sports Retail Store for 3 years. I work for a construction company and in May I also will have been with the same company for 1 year. I am an hourly employee. I finished school for Accounting and my current position is Accounts Receivable Billing. My prior position was an accounting assistant with another construction company where I worked for 1 year. Debt: $259.00 Monthly lease for a car. $100.00 a month that I contribute to a Simple IRA for retirement. My employer also contributes a certain percentage. (not sure if the IRA counts as debt) Total Cash Asset: 15,000.00 Credit History: His: Owns a 2006 Dodge Ram- paid off. Owns a 2006 ATV –paid off Wells Fargo Credit card $2500 limit-zero balance Macy’s Credit Car (not sure what the limit is) –Zero balance Polaris Off-Road company $6000 limit-zero balance Mine: Nissan auto lease-$259.00 Monthly Bank of America Credit card $7000 limit-zero balance Mervyns Credit card $600 limit-zero balance (I don’t if they count since they went out of business) We don’t plan on buying till 8 months from now…some time around September-October. With house prices being low and interest rates being low we would really like to take advantage of it. Instead of moving out and renting why not buy?We are more then willing to buy a condo but would really like a 2 bedroom fixer upper kind of house. 8 Months from now we hope to have an extra $15,000 for down payment which will then make our total cash available for down payment $30,000.00 Area: Los Angeles CA

Best way to manage my ebay sales for tax purposes? (bookkeeping / accounting)? I am going to be staring my ebay business back up selling used motorcycle parts, but I need a better method of recording sales, expenses, etc. Before I was using some simple excel forms I had made but it was too unorganized... What is the best way to keep track of all my numbers so that when it comes time to pay taxes I won't be screwed? This is a small home based business but I want it to be considered a legitimate source of income that can be used when trying to buy a new car or get a new apartment. I eventually want to take an accounting class but is there some simple and obvious way of doing this? Thanks!

Should I do my own taxes? Used to do my own simple taxes... for the past 10 years or so I have worked from home with several different businesses and have had a CPA do my taxes at the end of the year. Every year I enter all of my income and bills into a spreadsheet for myself and print a copy for my tax guy for easier reference. This spreadsheet is all separated into the tax groups for deductions (utilities/maintenance/etc) My issue is... for the past 3 years my tax guy has been sending me a "packet" to fill out. It's basically filling in all of the information I have on my spreadsheet into his little packet. He's charging me an arm and a leg to do my taxes and I'm doing about 80% of the work for him. I'm considering buying the Turbo Tax for home based business and just do my own taxes (since I basically fill out everything on that damn packet anyway). I'm nervous, not because I'm dumb, but because the thought of a simple mistake on my part raising a red flag for an audit doesn't thrill me. Should I just say "the hell with it" and do it myself, saving around $300... or should I stick to doing most of the leg work and take it to my tax guy and pay the outrageous bill?

Which candidate do you support? The following is the Candidate comparison. Take these questions seriously.? 2008 PRESIDENTIAL ELECTION JOHN McCain BARAK OBAMA The questions below are listed in McCain's and Obama web sites and other sites that was approved by both. The list of questions will have a yes or no or another anwer particilar to that question. Both candidates answered the question and they are listed. To keep it simple the first answer is McCain's the second answer is Obama. Then ask yourself the same questions and if their answer is how you would answer then vote for that candidate. Please know the issues and not because they are cute, black, good speaker, or because your momma and daddy like them or even your best friend… Get a group of people over tonight. Ask these questions to each one…then grade their answer too. Don't listen exclusively to Fox or CNN or people with the loudest voice. Know the candidate you are supporting... here is how!. Take a sheet of paper and write down ( or copy and paste) the following questions. If you don’t know what the question means ASK SOMEONE or if the question does not affect you, (it may in the future)… then ask yourself who would it affect – then go ask them that question? Then vote the candidate. Favors new drilling offshore US Yes No Will appoint judges who interpret the law not make it Yes No Served in the US Armed Forces Yes No Amount of time served in the US Senate 22 YEARS 173 DAYS Will institute a socialized national health care plan No Yes Supports abortion throughout the pregnancy No Yes Would pull troops out of Iraq immediately No Yes Supports gun ownership rights Yes No Supports homosexual marriage No Yes Proposed programs will mean a huge tax increase No Yes Voted against making English the official language No Yes Voted to give Social Security benefits to illegal’s No Yes CAPITAL GAINS TAX MCCAIN 0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.) DIVIDEND TAX MCCAIN 15% (no change) OBAMA 39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes if Obama becomes president. The experts predict that 'Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.') INCOME TAX MCCAIN (no changes) Single making 30K - tax $4,500 Single making 50K - tax $12,500 Single making 75K - tax $18,750 Married making 60K- tax $9,000 Married making 75K - tax $18,750 Married making 125K - tax $31,250 OBAMA (reversion to pre-Bush tax cuts) Single making 30K - tax $8,400 Single making 50K - tax $14,000 Single making 75K - tax $23,250 Married making 60K - tax $16,800 Married making 75K - tax $21,000 Married making 125K - tax $38,750 Under Obama, your taxes could almost double! INHERITANCE TAX MCCAIN - 0% (No change, Bush repealed this tax) OBAMA Restore the inheritance tax Many families have lost businesses, farms, ranches, and homes that have been in their families for generations because they could not afford the inheritance tax. Those willing their assets to loved ones will only lose them to these taxes. NEW TAXES PROPOSED BY OBAMA New government taxes proposed on homes that are more than 2400 square feet. New gasoline taxes (as if gas weren't high enough already) New taxes on natural resources consumption (heating gas, water, electricity) New taxes on retirement accounts, and last but not least....New taxes to pay for socialized medicine so we can receive the same level of medical care as other third-world countries!!! You can verify the above at the following web sites: http://money.cnn.com/news/specials/election/2008/index.html http://www.cnn.com/ELECTION/2008/issues/issues.taxes.html http://elections.foxnews.com/?s=proposed+taxes http://bulletin.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visions_on_taxes.html http://blog.washingtonpost.com/fact-checker/candidates/barack_obama/ http://blog.washingtonpost.com/fact-checker/candidates/john_mccain/ I am not bias as anyone suspects. If you think I am then read the canidates web site... they answered it. And yes I am for one of the above candidates, but that is for you to choose. But if you don't care and vote only because someone said they like a candidate then USE YOUR BRIAN!... DON'T LET SOMEONE ELSE THINK FOR YOU!.. EVEN IF YOU DON'T LIKE THE ABOVE QUESTIONS, MAKE UP YOUR OWN QUESTIONS AND GO TO THE RESPECTIVE WEB SITES AND SEE WHAT YOUR CANDIDATE SAYS ON THAT SUBJECT. THEN VOTE FOR THE PERSON YOU...;. Y O U. .. DON'T GET MAD AT THE MESSENGER... I'm just repeating what was said by both candidates. Sorry I lost my BRAIN... ;)

John McCain/Obama Comparison ? Now why you would vote for an idiotic Democrate like this i just dont know! This might be the single best comparison I've seen on McCain and Obama. It's worth looking at this information and passing on so others can see the differences. Read this completely, because the tax differences between the two are significant. SIMPLE MATH: 2008 PRESIDENTIAL CANDIDATE COMPARISON TALKING POINTS ISSUE JOHN McCAIN BARAK OBAMA Favors new = drilling offshore US Yes No Will appoint judges who = interpret the law not make it Yes No Served in the US Armed Forces Yes No Amount of time served in the US Senate 22 YEARS 173 DAYS Will institute a socialized national health care plan No Yes Supports abortion throughout the pregnancy No Yes Would pull troops out of Iraq immediately No Yes Supports gun ownership rights Yes No Supports homosexual marriage No Yes Proposed programs will mean a huge tax increase No Yes Voted against making English the official language No Yes Voted to give Social Security benefits to illegals No Yes CAPITAL GAINS TAX MCCAIN 0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. of you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.) DIVIDEND TAX MCCAIN 15% (no = change) OBAMA 39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or =einvests dividends, you will now be paying nearly 40% of the money earned in taxes if Obama becomes president. The experts predict that Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.') INCOME TAX MCCAIN (no changes) Single making 30K - tax = $4,500 Single making 50K - tax $12,500 Single making 75K - =ax $18,750 Married making 60K- tax $9,000 Married making 75K = tax $18,750 Married making 125K - tax $31,250 OBAMA eversion to pre-Bush tax cuts) Single making 30K - tax $8,400 Single =aking 50K - tax $14,000 Single making 75K - tax $23,250 Married =aking 60K - tax $16,800 Married making 75K - tax $21,000 Married =aking 125K - tax $38,750 Under Obama, your taxes could almost double! INHERITANCE TAX MCCAIN - 0% (No change, =ush repealed this tax) OBAMA Restore the inheritance tax Many families have lost businesses, farms, ranches, =nd homes that have been in their families for generations because they =ould not afford the inheritance tax. Those willing their assets to loved =nes will only lose them to these taxes. NEW TAXES PROPOSED BY = OBAMA New government taxes proposed on homes that are =ore than 2400 square feet. New gasoline taxes (as if gas weren't high =nough already) New taxes on natural resources consumption (heating =as, water, electricity) New taxes on retirement accounts, and last but not least....New taxes to pay for socialized medicine so we can =eceive the same level of medical care as other third-world countries!!! You can verify =he above at the following web =ites: http://money.cnn.com/news/specials/election/2008/index.=tml http://www.cnn.com/ELECTION/2008/issues/issues.taxes.html =BR>http://elections.foxnews.com/?s=proposed+taxes http://bullet=n.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visi=ns_on_taxes.html http://blog.washingtonpost.com/fact-checker/cand=dates/barack_obama/ http://blog.washingtonpost.com/fact-checker/c=ndidates/john_mccain/

Why would the working American vote for someone that will take more money from their paycheck in new taxes? SIMPLE MATH: 2008 PRESIDENTIAL CANDIDATE COMPARISON TALKING POINTS ISSUE JOHN McCAIN BARAK OBAMA Favors new drilling offshore US Yes No Will appoint judges who interpret the law not make it Yes No Served in the US Armed Forces Yes No Amount of time served in the US Senate 22 YEARS 173 DAYS Will institute a socialized national health care plan No Yes Supports abortion throughout the pregnancy No Yes Would pull troops out of Iraq immediately No Yes Supports gun ownership rights Yes No Supports homosexual marriage No Yes Proposed programs will mean a huge tax increase No Yes Voted against making English the official language No Yes Voted to give Social Security benefits to illegal's No Yes CAPITAL GAINS TAX MCCAIN 0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.) DIVIDEND TAX MCCAIN 15% (no change) OBAMA 39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, 401 accounts, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes if Obama becomes president. The experts predict that 'Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.') INCOME TAX MCCAIN (no changes) Single making 30K - tax $4,500 Single making 50K - tax $12,500 Single making 75K - tax $18,750 Married making 60K- tax $9,000 Married making 75K - tax $18,750 Married making 125K - tax $31,250 OBAMA (reversion to pre-Bush tax cuts) Single making 30K - tax $8,400 Single making 50K - tax $14,000 Single making 75K - tax $23,250 Married making 60K - tax $16,800 Married making 75K - tax $21,000 Married making 125K - tax $38,750 Under Obama, your taxes could almost double! INHERITANCE TAX MCCAIN - 0% (No change, Bush repealed this tax) OBAMA Restore the inheritance tax Many families have lost businesses, farms, ranches, and homes that have been in their families for generations because they could not afford the inheritance tax. Those willing their assets to loved ones will only lose them to these taxes. NEW TAXES PROPOSED BY OBAMA New government taxes proposed on homes that are more than 2400 square feet. New gasoline taxes (as if gas weren't high enough already) New taxes on natural resources consumption (heating gas, water, electricity) New taxes on retirement accounts, and last but not least....New taxes to pay for socialized medicine so we can receive the same level of medical care as other third-world countries!!! You can verify the above at the following web sites: http://money.cnn.com/news/specials/election/2008/index.html http://www.cnn.com/ELECTION/2008/issues/issues.taxes.html http://elections.foxnews.com/?s=proposed+taxes http://bulletin.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visions_on_taxes.html http://blog.washingtonpost.com/fact-checker/candidates/barack_obama/ http://blog.washingtonpost.com/fact-checker/candidates/john_mccain/ feels so good =typical dem if we pay more the government will do the next right thing with our money or if we give em more everything will be fine,I guess you feel you are not inteligent enough to mannage your own money Kate I am so glad you hate hate radio,lol kate m also the dems never lie to the american public,oops it depends on the question lot of educated answers here and as always some no brain answers,from those who think if we give our earned income away the powers that be will pay their bills and make us all live in an eutopian society,Yea Rite,why don't you think you can handle your own money better than government,no dis-respect to the mentally incapacitated. when shall we learn from history,ex.=" tax put on phones to fund Spanish -American war" DUH

who do you think is better to run the country McCain or obama? ? answer after reading this. Dear everyone I thought you might find thisinteresting...Tell your friends about this! SIMPLE MATH: 2008 PRESIDENTIAL CANDIDATE COMPARISON TALKING POINTS ISSUE JOHN McCAIN BARAK OBAMA Favors new drilling offshore US Yes-McCAIN No-OBAMA Will appoint judges who interpret the law not make it Yes-McCAIN No-OBAMA Served in the US Armed Forces Yes-McCAIN No-OBAMA Amount of time served in the US Senate 22 YEARS-McCAIN 173 DAYS-OBAMA Will institute a socialized national health care plan No-McCAIN Yes-OBAMA Supports abortion throughout the pregnancy No-McCAIN Yes-OBAMA Would pull troops out of Iraq immediately No-McCAIN Yes-OBAMA Supports gun ownership rights Yes-McCAIN No-OBAMA Supports homosexual marriage No-McCAIN Yes-OBAMA Proposed programs will mean a huge tax increase No-McCAIN Yes-OBAMA Voted against making English the official language No-McCAIN Yes-OBAMA Voted to give Social Security benefits to illegals No-McCAIN Yes-OBAMA CAPITAL GAINS TAX MCCAIN 0% on home sales up to $500,000 per home (couples). McCain does not propose any change in existing home sales income tax. OBAMA 28% on profit from ALL home sales. (How does this affect you? If you sell your home and make a profit, you will pay 28% of your gain on taxes. If you are heading toward retirement and would like to down-size your home or move into a retirement community, 28% of the money you make from your home will go to taxes. This proposal will adversely affect the elderly who are counting on the income from their homes as part of their retirement income.) DIVIDEND TAX MCCAIN 15% (no change) OBAMA 39.6% - (How will this affect you? If you have any money invested in stock market, IRA, mutual funds, college funds, life insurance, retirement accounts, or anything that pays or reinvests dividends, you will now be paying nearly 40% of the money earned on taxes if Obama becomes president. The experts predict that 'Higher tax rates on dividends and capital gains would crash the stock market, yet do absolutely nothing to cut the deficit.') INCOME TAX MCCAIN =0 D (no changes) Single making 30K - tax $4,500 Single making 50K - tax $12,500 Single making 75K - tax $18,750 Married making 60K- tax $9,000 Married making 75K - tax $18,750 Married making 125K - tax $31,250 OBAMA (reversion to pre-Bush tax cuts) S ingle making 30K - tax $8,400 Single making 50K - tax $14,000 Single making 75K - tax $23,250 Married making 60K - tax $16,800 Married making 75K - tax $21,000 Married making 125K - tax $38,750 Under Obama, your taxes could almost double! INHERITANCE TAX MCCAIN - 0% (No change, Bush repealed this tax) OBAMA Restore the inheritance tax Many families have lost businesses, farms, ranches, and homes that have been in their families for generations because they could not afford the inheritance tax. Those willing their assets to loved ones will only lose them to these taxes. < b>NEW TAXES PROPOSED BY OBAMA New government taxes proposed on homes that are more than 2400 square feet. New gasoline taxes (as if gas weren't high enough already) New taxes on natural resources consumption (heating gas, water, electricity) New taxes on retirement accounts, and last but not least....New taxes to pay for socialized medicine so we can receive the same level of medical care as other third-world countries!!! You can verify the above at the following web sites: http://money.cnn.com/news/specials/election/2008/index.html http://www.cnn.com/ELECTION/2008/issues/issues.taxes.html http://elections.foxnews.com/?s=proposed+taxes http://bulletin.aarp.org/yourworld/politics/articles/mccain_obama_offer_different_visions_on_taxes.html http://blog.washingtonpost.com/fact-checker/candidates/barack_obama/ http://blog.washingtonpost.com/fact-checker/candidates/john_mccain/

what to do with my distress? I feel there is no way out. At 30 years old i am constantly given hurdles to overcome and don't know what to do anymore. Everyday i experience numerous problems that i dont see anyone else having. Most of these problems are soo out of the ordinary and few have simple fixes. Growing up I suffered as a teenager with IBS everyday. Once that left me around age 18 i developed Chronic Cluster headaches (look this up, no joke headache referred to as suicide headaches). The headaches are just about subsiding (a LOOONG 12 years late). About age 23 i started to develope hearing problems due to scuba diving and the industry that i am in. This makes me very nervous as i will not be able to work in my field anymore if it gets worse. I found out 2 years ago that i am gluten intolerant which i have been diligently following a gluten free diet (not easy). I was arrested just prior to that for something that wasn't even caused by me, it cost a ton of money and now i have a record. I have taken a few gambles with my business that all went bad and cost me tons of aggrevation and money that i have worked hard for my whole life. I invested into another business with two partners that stole from it and caused the business to shut down then disappeared and i am left to deal with the lawsuits left behind. More recently i have developed pain in the joints of my hands that impairs my work and also exema on my scalp. Just recently purchased a home and business got real bad and now i'm struggling to just get by. It feels like i just barely make it through each day. I am now having problems with my girlfriend whom i love dearly and want to marry but i feel that the problems will never get resolved. I want to propose to her and have it all planned out but i am not confident that this will work out in the end. We had split up and things were done that caused my emotions to be soo screwed up that everything in my life now seems worse than ever. I forgave everything and accepted it all because of my love for her. We are now back together but i'm soo confused as to what i need. I think that i have worked on all the problems that she had with me but feel that she is not doing the same and in fact might be slightly worse in some ways. I think everyday about what i should do with regards to work, my life, and my future but everything i think about cannot work and then another day just goes by. I contemplate suicide but then my beliefs kick in and i don't want to suffer an eternity of pain. I am ready to settle down and start a family. I have such a crazy life with work. I wish there were just a switch that i can flip and start all over. I really think i thought about it all and nothing seems to be able to work. People say change jobs for starters but with the poor economy and the income i need to pay expenses that doesn't seem too feasible. Others say dump the girlfriend but i love her too much. She has been there through all of my crap too like the headaches, gluten intolerence (which affects where and what we can both eat), and my crazy work schedual. Eventhough this shouldn't make a difference i believe that i woujld have a hard time finding someone else that can accept all of me from my crazy life to all my stupid problems, especially finding someone that i will love as much as her. Unfortunatly evn though she loves me her lifestyle is getting harder for me to handle. I hope everyday for something to happen, whether good or bad, that will change my life. I have realized that i cannot do it myself and there is noone else to go to. I only talk to certain people about it and there really is no advice that makes sense or seems like it will work for me. I am scared for the future, especially monetarily. I want to make sure that me and my family will be taken care of. i don't like how my life is ending up and i still have soo much of it to go. i don't think that i am really painting the picture as bad as it is and there is soo much that i am leaving out as well but its too much to type and i can ramble on for days. I really contemplate ending it all or even just picking up and leaving everything behind but where will that get me? what to do.............................................................

If the Government gave each individual a check for $2200.00, what would you do with the money? All these bailouts - we all know they will be never-ending. Now we see Cities in line asking for money; Real Estate companies want money; everyone who is doing poorly wants the Government to "bail them out". I HAVE A BETTER IDEA. Interference in the Free Market is never a good idea; the reason the housing market got into trouble is simple: The Government interferred in the housing market when the Democrats put pressure on Banks and lending companies to give out NINJA loans which means "no income, no job, no assets"; if you had a pulse, you got a house, even if you had no job to pay the mortgage. When these bills came due, there was nobody to pay them. Instead of interference in the Markets, I propose to take the $700 Billion dollars and divide it equally among EVERY INDIVIDUAL with a valid social security number: Thats NOT HOUSEHOLD BUT EVERY INDIVIDUAL - Every man, woman and child. You do the Math: Thats about $2200.00 each person, since there are 306 million people in America - it would even be more than that per person, since not everyone living in America is a citizen with a Social Security number. The immediate impact of each person getting this money would be: 1. SPEND IN TIME FOR CHRISTMAS, helping the retail markets 2. BUY A NEW CAR/TRUCK, helping the auto industries 3. PAY DOWN CREDIT CARD DEBT, with money leftover to spend 4. MONEY DOWN ON A NEW HOME, helping the housing market 5. INVEST IN STOCKS/BONDS, helping Wall Street 6. INVEST IN EXISTING OR NEW SMALL/HOME BUSINESSES. 7. BUY HOME HEATING FUEL, in time for Winter - taking the burden off the emergency energy assistance programs already stretched to the brink, with money left to spend! EACH INDIVIDUAL WOULD GET A CHECK, so for a household of 4 people, they would get a total of $8000.00; a household of 5 would get 10000.00 and so on..... THIS WOULD NEGATE ANY NEED FOR ANOTHER STIMULUS PLAN. AND THINK ABOUT THIS: Every homeless person (citizen) would get the money - a mother with 2 children on the streets would get $6000. total which would LIFT HER OFF THE STREETS AND GIVE HER THE OPPORTUNITY TO BECOME A CONTRIBUTING TAXPAYING CITIZEN AGAIN. IF YOU RECEIVED $2200.00, MULTIPLY THAT BY THE NUMBER OF CITIZENS LIVING IN YOUR HOUSEHOLD INCLUDING EVERY CHILD REGARDLESS OF AGE, AND THEN ANSWER THIS: 1. FOR YOU, HOW MUCH MONEY WOULD COME IN ? 2. WHAT WOULD YOU DO WITH THE MONEY? This question is serious; instead of bailouts, I would like to get an idea of how much better it would be for the economy to give the money back to the American people. Please, serious answers only. Thank you.

PLEASE HELP! Respite Care for our Autistic Children because of Chronic Depression? My husband is in the process of getting respite care for our 2 children (ages 4 & 5) so he can go to work. He makes $80,000/yr but we had a huge business loss causing his wages to be garnished which is over 70% of his income. Therefor, we can't afford daycare and he makes too much to get state pay for daycare. Our children are both on the Autism Spectrum because I can't get out of bed and socialize them. I can barley get enough energy to use the bathroom. My husband found out that we can get free respite care for through the state, but isn't this a NURSE??? I can take care of myself, it's my children I'm so worried about. They need interaction with other children, not a nurse. They are 4 & 5 and both of them have social skills as a typical young 2 & 3-year-old child. I am so worried about our children's well-being because they have not had any social interaction in their entire lives (except for 4/hrs per week of Early Intervention). Every penny is going towards debt payments, food, rent (we lost our home), and simple necessities. He refuses to file for Bankruptcy since we have already paid $200,000 in debt in the past 3 years and we are down to $80,000 in debt (all from a business loss). I desperately need answers from someone who truly understands "chronic depression" and how debilitating it is and/or someone who knows a little about state assistance for our children in a case like this. My husband makes too much to get state pay for daycare (even though over 70% of our income is going towards debt payments from the business loss). What is respite care for our children??? I don't need a nurse, I need someone who can physically care for them by taking them out to the park, zoo, do puzzles, play games with them, and make their meals... like a nanny. Isn't respite care a home "nurse"??? Thank you so very much in advance for your help with this. Any answers/advice is SO MUCH APPRECIATED. 13 minutes ago - 4 days left to answer. Additional Details I'm so very sorry this is so long. I wanted to add that I am seeing a phyciatrist as well as a primary care physician for my condition. Thank you so much for taking the time to read all of this. Justmein: My kids have been in Early Intervention since the age of 3. That is only 2/hrs per day, 2/days per week for our4-year-old and 2/hrs per day, 4/days per week for our 5-year-old. Our 5-year-old will be starting Kindergarten 2.5/hrs per day in September. That is all that is required by the state and most of the country. Both of our children are in "Early Intervention" and we just had an IEP meeting for our 5-year-old who is going to start Kindergarten this September. Both of them have had IFSP meetings every 3 months from age 3 up until last month for Early Intervention. It's called Early Intervention in Oregon until the age of 5 and start Kindergarten. I even double checked on that to be 100% sure. I wish I lived in your state so they could receive "full-day" services.

PLEASE HELP! Respite Care for our children because of chronic depression? My husband is in the process of getting respite care for our 2 children (ages 4 & 5) so he can go to work. He makes $80,000/yr but we had a huge business loss causing his wages to be garnished which is over 70% of his income. Therefor, we can't afford daycare and he makes too much to get state pay for daycare. Our children are both on the Autism Spectrum because I can't get out of bed and socialize them. I can barley get enough energy to use the bathroom. My husband found out that we can get free respite care for through the state, but isn't this a NURSE??? I can take care of myself, it's my children I'm so worried about. They need interaction with other children, not a nurse. They are 4 & 5 and both of them have social skills as a typical young 2 & 3-year-old child. I am so worried about our children's well-being because they have not had any social interaction in their entire lives (except for 4/hrs per week of Early Intervention). Every penny is going towards debt payments, food, rent (we lost our home), and simple necessities. He refuses to file for Bankruptcy since we have already paid $200,000 in debt in the past 3 years and we are down to $80,000 in debt (all from a business loss). I desperately need answers from someone who truly understands "chronic depression" and how debilitating it is and/or someone who knows a little about state assistance for our children in a case like this. My husband makes too much to get state pay for daycare (even though over 70% of our income is going towards debt payments from the business loss). What is respite care for our children??? I don't need a nurse, I need someone who can physically care for them by taking them out to the park, zoo, do puzzles, play games with them, and make their meals... like a nanny. Isn't respite care a home "nurse"??? Thank you so very much in advance for your help with this. Any answers/advice is SO MUCH APPRECIATED. I'm so very sorry this is so long. I wanted to add that I am seeing a phyciatrist as well as a primary care physician for my condition. Thank you so much for taking the time to read all of this.

Business idea - no faith from others, should i do it? I'm not sure where i should post this, as it applies to business and relationships. In short i listen to my father a lot and due to my upbringing have limited my opportunities of a good career, so i feel that starting my own business is the only way of making money with a prospect of growth. I'm a 20 year old business student at college almost graduated with sadly, only a pass), this is simple due to working full-time for money and not having a lot of time to spend working on coursework. I listen to my father a lot due to respect and a believe that those older have transferable knowledge and experience. My father is a successful landlord with seven properties making him a man valued at well over a million pounds. Now sadly due to my up bringing (lived with my mother abroad and was home schooled, until fifteen were i finally went to a private school and learn everything in one year. This had a impact on my grade and of course future career prospects. My father simple believes i should work and that higher education is a waste of time. This means core wages for the rest of my life, with promotions and the opportunity of being a manager but that is only, 30,000 a year salary. So i want to be self sufficient, self supportive and start my own business with the opportunity of growth however i am very limited with financial assets (my father believes that i, like him should start up with nothing). For this reason i have looked at opportunities of rapid growth with minimal initial assets and decided that trading on ebay to consumers is a way of rapid growth and found several products of which i can undercut competitors with a 30% net profit margin. Sadly this profit is only a pound and he says it's simple not worth the effort. However my logic is this, with an initial investment of around a £1,000 and selling 300 units a week equals £300 gross which of course gives me a £249 net income per week. This would mean shifting 300 units over several product lines and by offering higher quality products and cheaper prices than the competitors which i have found and after studying demand of the product can easily sell the 300 units needed for a basic minimal supportive income. That's only 60 packages per day with an average time to check invoice, package and send of under four minutes works out to fours per day working five days a week. Surely this isn't such a poor business concept? I need to decide as i can not dedicate my time to a full time job and manage a business therefore i will need to leave the core paid job to pursue this venture. At the very least i gain experience and am doing what i want to do. Just to add, where i work has some incredible poor managers who make more mistakes than should be humanly possible. Having no sense of team work or employment praise, let alone legal obligation. Discrimination happens in the real world, and it becomes more and more apparent that i do more work for lower pay than those around me. I don't get paid for overtime (30 minutes to an hour every shift), made to wait for my payslips as they know i check them and notice that i am often short paid on my shifts. This accounts to around 12 hours of free labour en-yet my old man simple says in the real world people take you for granted and with the current economic situation should just put up with it, as its the real world. His advice being, if i want to leave then find another job first and turning down my business idea is not what i wanted to hear but he usually is right so i need more opinions.

Self Employed: How do I keep the records? Hey everyone, I'm hoping to start up my own, small Internet business and start working from home; initially earning a second income, with the hope of making a living out of it. I have the money to invest to start the business up and I realise I would need to class myself as self employed. This obviously means I would personally be responsible for paying the stoppages that go out of my current earnings like tax and national insurance. This means I have to keep very good records or "books". My question is, how do I do this? I assume I have to calculate the stoppages based on the income, but how? Also, probably a stupid question, but do you have to pay tax every month like I do in my current job, or do you write off a big cheque at the end of the tax year when you do the tax return? Or both? And when in the month would you have to pay out these stoppages? Ideally, I'm hoping for advice from someone who is currently freelance or has had experience of it. Or at the very least, someone can provide me with links to the information I'm looking for. I've been directed to the site: http://www.businesslink.gov.uk/bdotg/action/layer?topicId=1083764940&r.s=p&r.pp=11&r.l1=1073858805&r.lc=en&r.li=1083828647 Although the information here is very good and useful, regarding the "book keeping", there doesn't seem to be the information about how it's done which I'm trying to find (unless of course, I haven't looked at the site properly enough). I've heard that it's wise to use a program called "Sage" and I know I would have to meet with an accountant every so often. Would using Microsoft Office Excel suffice (at least in the short term) and what would I need to construct? Would a simple profit and loss spread sheet be acceptable or do you need to do something a lot more complex than that? I hope someone can help me soon, I'm hoping to get this new business rolling as soon as possible. Thank you for reading and many thanks in advance for your assistance.

Joke : FOUND ON CRAIG'S LIST - what an awesome answer...can I have some stars ? What am I doing wrong? Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly beautiful) 25 year old girl. I'm articulate and classy. I'm not from New York . I'm looking to get married to a guy who makes at least half a million a year. I know how that sounds, but keep in mind that a million a year is middle class in New York City, so I don't think I'm overreaching at all. Are there any guys who make 500K or more on this board? Any wives? Could you send me some tips? I dated a business man who makes average around 200 - 250. But that's where I seem to hit a roadblock. 250,000 won't get me to central park west. I know a woman in my yoga class who was married to an investment banker and lives in Tribeca, and she's not as pretty as I am, nor is she a great genius. So what is she doing right? How do I get to her level? Here are my questions specifically: - Where do you single rich men hang out? Give me specifics- bars, restaurants, gyms -What are you looking for in a mate? Be honest guys, you won't hurt my feelings -Is there an age range I should be targeting (I'm 25)? - Why are some of the women living lavish lifestyles on the upper east side so plain? I've seen really 'plain jane' boring types who have nothing to offer married to incredibly wealthy guys. I've seen drop dead gorgeous girls in singles bars in the east village. What's the story there? - Jobs I should look out for? Everyone knows - lawyer, investment banker, doctor. How much do those guys really make? And where do they hang out? Where do the hedge fund guys hang out? - How you decide marriage vs. just a girlfriend? I am looking for MARRIAGE ONLY Please hold your insults - I'm putting myself out there in an honest way. Most beautiful women are superficial; at least I'm being up front about it. I wouldn't be searching for these kind of guys if I wasn't able to match them - in looks, culture, sophistication, and keeping a nice home and hearth. it's NOT ok to contact this poster with services or other commercial interests ________________________________________________ THE ANSWER I read your posting with great interest and have thought meaningfully about your dilemma. I offer the following analysis of your predicament. Firstly, I'm not wasting your time, I qualify as a guy who fits your bill; that is I make more than $500K per year. That said here's how I see it. Your offer, from the prospective of a guy like me, is plain and simple a crappy business deal. Here's why. Cutting through all the B.S., what you suggest is a simple trade: you bring your looks to the party and I bring my money. Fine, simple. But here's the rub, your looks will fade and my money will likely continue into perpetuity…in fact, it is very likely that my income increases but it is an absolute certainty that you won't be getting any more beautiful! So, in economic terms you are a depreciating asset and I am an earning asset. Not only are you a depreciating asset, your depreciation accelerates! Let me explain, you're 25 now and will likely stay pretty hot for the next 5 years, but less so each year. Then the fade begins in earnest. By 35 stick a fork in you! So in Wall Street terms, we would call you a trading position, not a buy and hold…hence the rub…marriage. It doesn't make good business sense to "buy you" (which is what you're asking) so I'd rather lease. In case you think I'm being cruel, I would say the following. If my money were to go away, so would you, so when your beauty fades I need an out. It's as simple as that. So a deal that makes sense is dating, not marriage. Separately, I was taught early in my career about efficient markets. So, I wonder why a girl as "articulate, classy and spectacularly beautiful" as you has been unable to find your sugar daddy. I find it hard to believe that if you are as gorgeous as you say you are that the $500K hasn't found you, if not only for a tryout. By the way, you could always find a way to make your own money and then we wouldn't need to have this difficult conversation. With all that said, I must say you're going about it the right way. Classic "pump and dump." I hope this is helpful, and if you want to enter into some sort of lease, let me know.

Has anyone heard about the girl who needed help on "what to do"???? SHE WRITES: What am I doing wrong? Okay, I'm tired of beating around the bush. I'm a beautiful (spectacularly beautiful) 25 year old girl. I'm articulate and classy. I'm not from New York . I'm looking to get married to a guy who makes at least half a million a year. I know how that sounds, but keep in mind that a million a year is middle class in New York City, so I don't think I'm overreaching at all. Are there any guys who make 500K or more on this board? Any wives? Could you send me some tips? I dated a business man who makes average around 200 - 250. But that's where I seem to hit a roadblock. 250,000 won't get me to central park west. I know a woman in my yoga class who was married to an investment banker and lives in Tribeca, and she's not as pretty as I am, nor is she a great genius. So what is she doing right? How do I get to her level? Here are my questions specifically: - Where do you single rich men hang out? Give me specifics- bars, restaurants, gyms -What are you looking for in a mate? Be honest guys, you won't hurt my feelings -Is there an age range I should be targeting (I'm 25)? - Why are some of the women living lavish lifestyles on the upper east side so plain? I've seen really 'plain jane' boring types who have nothing to offer married to incredibly wealthy guys. I've seen drop dead gorgeous girls in singles bars in the east village. What's the story there? - Jobs I should look out for? Everyone knows - lawyer, investment banker, doctor. How much do those guys really make? And where do they hang out? Where do the hedge fund guys hang out? - How you decide marriage vs. just a girlfriend? I am looking for MARRIAGE ONLY Please hold your insults - I'm putting myself out there in an honest way. Most beautiful women are superficial; at least I'm being up front about it. I wouldn't be searching for these kind of guys if I wasn't able to match them - in looks, culture, sophistication, and keeping a nice home and hearth. And this is the answer: I read your posting with great interest and have thought meaningfully about your dilemma. I offer the following analysis of your predicament. Firstly, I'm not wasting your time, I qualify as a guy who fits your bill; that is I make more than $500K per year. That said here's how I see it. Your offer, from the prospective of a guy like me, is plain and simple a cr@ppy business deal. Here's why. Cutting through all the B.S., what you suggest is a simple trade: you bring your looks to the party and I bring my money. Fine, simple. But here's the rub, your looks will fade and my money will likely continue into perpetuity...in fact, it is very likely that my income increases but it is an absolute certainty that you won't be getting any more beautiful! So, in economic terms you are a depreciating asset and I am an earning asset. Not only are you a depreciating asset, your depreciation accelerates! Let me explain, you're 25 now and will likely stay pretty hot for the next 5 years, but less so each year. Then the fade begins in earnest. By 35 stick a fork in you! So in Wall Street terms, we would call you a trading position, not a buy and hold...hence the rub...marriage. It doesn't make good business sense to "buy you" (which is what you're asking) so I'd rather lease. In case you think I'm being cruel, I would say the following. If my money were to go away, so would you, so when your beauty fades I need an out. It's as simple as that. So a deal that makes sense is dating, not marriage. Separately, I was taught early in my career about efficient markets. So, I wonder why a girl as "articulate, classy and spectacularly beautiful" as you has been unable to find your sugar daddy. I find it hard to believe that if you are as gorgeous as you say you are that the $500K hasn't found you, if not only for a tryout. By the way, you could always find a way to make your own money and then we wouldn't need to have this difficult conversation. With all that said, I must say you're going about it the right way. Classic "pump and dump." I hope this is helpful, and if you want to enter into some sort of lease, let me know.

hey i need help my business plan :: give your opinion or try to help me? Executive Summary: 1. Applicant/Company Information -Name: Design coffer shop -Address:132 Cedar Grove Rd, Ruckersville, CA 90324 -Phone: (909) 834-3434 Fax: 904.326.1039 -Contact Person: Evelyn Reyes -Business Structure: Sole Proprietorship - Banking Information: Bank: Wells Fargo Bank Address: 3035 Van Buren Blvd Riverside, CA 92503 Phone: (951) 351-3402 Contact: Erica Smith, Financial Services Manager -Anticipated Start Date: Design coffee shop it well began operations in November 2009, and we going to prepare the plans to undertake a small expansion. As soon as possible after the scoping plan approval. Brief outline of your business concept: Design coffee shop is company involved more greatest the originally coffee shop. It providing graphic design and marketing communication services. it not provide big business . It just likes a small business Every day, millions of Americans wanted to sit down and enjoy the smell cup of coffee and lay back & see the background artwork from graphic design artist. "A person had dreamed to spend more than 50 cents for a cup of coffee. A few years, now they glad to pay $1 to $4 for their cappuccino, mocha latte or vanilla ice blended drink." The specialty-coffee business is growing at a healthy pace. The completive the Starbucks, The Coffee Bean, Pet’s, Dietrich’s and other major chains serve average quality drinks in establishments that have the same generic design appearance. Indeed, Starbucks and The Coffee Bean are often referred to as "fast food" coffeehouses due to their "cookie cutter" design. Now that Americans' coffee preferences have broadened and matured, many are asking for more from their design coffee shop. We offer high-quality products in an upscale environment. Furthermore, our high-profile location in San Bernardino provides a mixed customer base that will maintain high levels of business in every season, at all times of the day, every day of the week. Vision and Mission Statement The design coffee shop will become the more like small museum. We will serve a perfect product at a very reasonable price. We will also be a meeting place for graphic design artists and a place for them to show off their work. We will create an atmosphere conducive to creative expression and promote the creative process. Our primary goals over the next year are: 1. Secure financing for start-up of at least $10,000 for space and equipment. 2. Renovate our space in Old Town. 3. Acquire equipment necessary for business, i.e. coffee pot, cappuccino machines, blenders, etc. 4. Make agreement with coffee distributors, and bakery vendors. 5. Create a cozy, artist friendly environment (i.e. choice of colors, choice of music, decor) 6. Open for business and become the foremost coffeehouse in the area. MARKET OPPORTUNITY Marketing will play a vital role in the success of small company is java net because they will put some our advertising, I not want exert gate too much our company. it something sample for customer to understand. It only one or two location be. The design coffee shop is our target market is mostly student. Because it when come student they wanted to sit back and relax. Design coffee shop going to be locate one of San Bernardino. Ownership The Design coffee shop is a general partnership between Lisa and Sandy Mason. Each partner is equally involved in operation and management of the shop, each to her own abilities. Location and Facilities The Design coffee shop is located in the Old Town section of San Bernardino, California. We currently own the building we will occupy, though painting and renovation are sorely needed. Products and Services Description of Products and Services The Design coffee shop will offer high quality coffee, tea, hot coca, and cappuccino, at a very reasonable price. We will also sell homemade cookies, brownies, and doughnuts, also reasonably priced. Key Features of the Products and Services All drinks will be made with filtered water and the highest quality ingredients we can get. Frozen drinks will have caramel or chocolate syrup drizzled in the glass and over the drink. Cappuccino and hot coca will have whipped cream toppings as well as the option for candy sprinkles. Cookies will have the option of a chocolate or caramel dip and sprinkles. We will offer designer flavored cream and five kinds of sweetener, i.e. sugar, honey, Equal, Splenda, and Sweet-n-Low. Cream and sweetener is at no extra charge. Production of Products and Services We will use only filtered water and will brew our coffee in commercial coffeepots that will be thoroughly cleaned between uses. We will bake cookies and brownies in our own on-site oven from proven recipes, daily. Future Products and Services Within the next three to five years we expect to branch out into catering and offer homemade pies, whole or by the slice. Comparative Advantages in Production Our low overhead and cheaper pricing will be the key to our success. Industry Overview Market Research There are other businesses that serve only coffee in our Old Town. Size of the Industry Nationally, the coffee shop industry is quite large, but in somewhere, there are more. Key Industry Trends This industry is booming at the present time, there is a trend toward small cozy places and away from the large generic chain. Industry Outlook The coffee business does not show signs of slowing down. With new innovations such as flavorings and additives, it should continue for some time. Marketing Strategy Target Markets Our target market is a artist and writers who need a nice quite cozy place to think and do their work. Description of Key Competitors Of the three coffee shops in the area, one is a large chain with a very expensive product, one is really a home-style restaurant, the last one, and our biggest competitor is an antique store with a "tea room". Analysis of Competitive Position Our pricing strategy and comfortable atmosphere will be the key to our success. None of the other shops in the area can offer this. Pricing Strategy We will offer three sizes of drinks, small $1.00, medium $1.50 and large $2.00. Our cookies and brownies will sell for $1.00 each. Promotion Strategy We intend to advertise in the local newspapers and offer a "frequent drinkers club" discount to our best customers. We will also send out ads via direct mail, which will include cents off coupons. Management and Staffing Organizational Structure Our organizational structure will be a simple pyramid style with the owners putting in as much work as the employees. Management Team April and Arlene will share management and supervisory responsibilities equally. Arlene for the morning shift. April for the afternoon shift. Staffing We will hire two busboys and two waitresses; these will be recruited from the local high school. Labor Market Issues In this area there are many high school students looking for work, part time or full time, we want to fill that need. Market Risks The main risk is monetary. The area may not be ready for a place like ours and we may not do a great business. Implementation Plan Implementation Activities and Dates 1. Begin building renovation 12/08 2. Complete renovation 2/15/09 3. Begin preliminary advertising 2/15/09 4. Purchase and setup equipment 2/15/09 5. Open for business 5/1/09 Financial Plan Balance Sheet Current Assets: Building $150,000 9 computer $10,800 Furnishings $5,000 Equipment $5,000 Cash Arlene $5,000 April $4,500 Accounts Receivable None Inventory Coffee $1,000 Tea $500 Other Assets Cups $3,000 Total Current Assets $182,800 Liabilities: Accounts Payable (monthly) Water $200 Phone $150 Electric $500 Donut Vendor $1,000 Warehouse Club $1,000 Coffee Distributor $1,000 Wages $5,000 Advertising $1,000 Taxes Payable Property Taxes $500 Employee Taxes $2,000 Operating Loans Payable Startup Loan $500 HP Design jet Z2100 Photo Printer series- models $ 97 Total Liabilities $12,947 on going per month Projected Income March 05 Coffee $6,000 Tea $2,000 Cookies $1,500 Donuts $2,500 Misc. $4,000 Total Income for March $16,000 Total Projected Net Profit (Cost/Benefit) $3,150 for March This would assume 20 pots of coffee sold a day, plus an assortment of other items. This also assumes the market will not increase or decrease due to weather or economics. This would be an average month. my major is graphic design i don't know how making business plan] i have the layout just email me evelynreyes12@yahoo.com you want see it this for my class project

Do you think that the gov. should provide $$ means to provide testing of home based products sold? I thought this was interesting I am sorry for the detail, but I received this in an e-mail, and I find it hard to believe that we can accept this. I am pasting a post that I just wrote on my blog about the > > URGENT! Please Read and Act!!! > > Okay People...I do not write this lightly. I am begging you > to read this post, research the links, and act now! > > About a week ago I received an email posted on a homeschool > loop I am on about the new Consumer Product Safety > Improvement Act. This act was signed into law last August > and will be in effect on Feb. 10th of this year. Rebecca > Wilson from Hope Chest Legacy, a homeschool vendor who will > closing down her business as a result of this Act says > explains it better than I can: > > "This law may have been intentioned to protect > American children from lead and high PCB levels, but what it > will actually do is cause havoc in American homes and in our > economy. It is a VERY badly written law, vague and open > ended in many ways. Although written with China made > products in mind, it is open for ANY item sold in the USA > regardless of where the item was manufactured. > > This law requires that ANY item that comes in contact with > a child who is 12 years old and under, to be tested at a > government approved testing facility and have a > 'certification' placed on the item. Sounds simple > enough, but the fallout is much more intense. > > The cost of having a single wood block tested is $150. To > have a wooden baby's teething rattle tested would be > $4000. Even books, DVDs, clothing, handmade toys or > blankets, children's clothing, the bags items are packed > in and sold in, etc come under this new law. ANYTHING that > comes into contact with a child under 12 years of age is > required to be tested and certified." > > I honestly figured this was hype when I received the first > email and blew it off. Until I received the email from > Rebecca Wilson. I adore her products and the fact that this > was hitting so close to home had me concerned. So I started > researching... > > Check out this post on a forum from a woman named Kathleen > Fasenella who has been to Washington D.C. in attempt to > fight this. She says: > > "Dear Friends > There is a grave crisis in the industry. I don't post > here much so if you don't know me, I don't blame you > for thinking I'm a kook, alarmist, extremist or > conspiracy theorist. What I'm going to tell you is all > too true. In a nutshell, as of 2/10/2009, it will be illegal > to sell most products intended for children 12 and younger > unless you undergo expensive product testing to certify your > products as safe. There are no exemptions or exceptions. > This includes wahm or grandmas making items for bazaars, > craft shows, etsy, ebay, or just person to person sales. As > of February 10, 2009 (National Bankruptcy Day) anything > without a General Conformity Certificate is legally > considered Banned Hazardous Material." > > Let me break this down...ANYONE WHO SELLS PRODUCTS, NEW OR > USED, THAT ARE INTENDED FOR CHILDREN AGES 12 AND UNDER WILL > BE REQUIRED TO HAVE ALL OF THESE PRODUCTS UNDERGO EXPENSIVE > TESTING...I'm talking toys, clothes, BOOKS, > CURRICULUM...Even selling used toys/books to your friends > WILL BECOME ILLEGAL without having them tested. > > This means no more selling children's products on Ebay > or Etsy. > > I received an email that said Amazon has ALREADY contacted > their vendors to let them know they will not sell > children's items without the testing. I contacted an > amazon.com rep this morning who verified that vendors had > been notified that they would need to comply with this act! > But she obviously didn't understand that in order to > comply with the act, anyone who wanted to sell their used > copy of Goodnight Moon for $2 on amazon.com that was > published pre-2009 would first need to have it tested for > $500+. She gave me the fax and address for their legal dept. > for further questions. > > Children's Consignment Stores will have to close. > GOODWILL HAS ALREADY DECIDED THEY WILL NO LONGER CARRY > CHILDREN'S PRODUCTS AND SOME OF THEM ARE CLOSING. > > Do you realize how this will effect the homeschool > community? Almost every company that I buy homeschool books, > curriculum, and products from are a mom and pop organization > that will not be able to afford this kind of testing. We > will no longer be allowed to sell used products for our > children online and will be breaking the law if we do it in > person. How many homeschool moms do you know earn extra > income by making hairbows, blankets, and toys? They would no > longer be able to do that. > > My husband and I have been in contact with HSLDA > (Homeschool Legal Defense Association) and they just found > out about this YESTERDAY! They are looking into it as I > type. > > HOMESCHOOLERS, MOMS AND DADS

Anyone intrested in writing a two page summary of this? FIBER KEEPS ITS PROMISE BY GEORGE GILDER "Today, I await the death of television, telephony, VCRs, and analog cameras with utter confidence as Moore's law unfolds." Rupert Murdoch, Ted Turner, John Malone, are you listening?" Get ready. Bandwidth will triple each year for the next 25, creating trillions in new wealth. Editor's note: Four years ago, Forbes ASAP published its first issue with a stunning prophecy by contributing editor George Gilder. Fiber optics, said George, had the potential to carry 25 trillion bits per second down a single strand. This represented a ten-thousandfold leap in carrying capacity over the 2.5 billion bits "barrier" long assumed by most experts in the field. What did George see that others had missed? One, a little-recognized (at the time) breakthrough called an erbium-doped amplifier, which keeps optical signals pure and strong over long distances. The other was a deep technical shift, with roots in the 1940s-era work of information theory pioneer Claude Shannon. If you believed Shannon, his logic dictated a new messaging scheme called wave division multiplexing. Though scorned by the experts four years ago, WDM now is emerging as the winner George had prophesied. The real winners will be all of us, as the coming world of cheap, unlimited bandwidth unfolds and at last fulfills the true potential of the information age. Here is George with an update. IMAGINE THAT IN 1975 YOU KNEW that Moore's law--the Intel chairman's projection of the doubling of the number of transistors on a microchip every 18 months--would hold for the rest of your lifetime. What if you knew that these transistors would run cooler, faster, better, and cheaper as they got smaller and were crammed more closely together? Suppose you knew the law of the microcosm: that the cost-effectiveness of any number of "n" transistors on a single silicon sliver would rise by the square of the increase in "n." As an investor knowing this Moore's law trajectory, you would have been able to predict and exploit a long series of developments: the emergence of the PC; its dominance over all other computer form factors; the success of companies making chips, disk drives, peripherals, and software for this machine. With a slight effort of intellect, you could have extended the insight and prophesied the digitization of watches, records (CDs), cellular phones, cameras, TVs, broadcast satellites, and other devices that can use miniaturized computer power. If you did not know precisely when each of these benisons would flourish, you would have known that each one was essentially inevitable. To calculate approximate dates, you had only to guess the product's optimal price of popularization and then match its need for mips (millions of instructions per second) of computer power with the cost of those mips as defined by Moore's law. Merely by using this technique of Moore's law matching--and holding to it with unshakable conviction for nearly 20 years--I became known as a "futurist." Today I await the death of television, telephony, VCRs, and analog cameras with utter confidence as Moore's law unfolds. You can tell me about the 98% penetration of TVs in American homes, the continuing popularity of couch-potato entertainments, the effectiveness of broadcast advertising, and the profound and unbridgeable chasm between the office appliance and the living-room tube. But I will pay no attention. Just you wait--Jack Welch, Ted Turner, Rupert Murdoch, John Malone, and David Jennings--the TV will die and you may be too late for the Net. It is now 1997, and a stream of dramatic events certifies that another law, as powerful and fateful and inexorable as Moore's, is gaining a similar sway over the future of technology. It is what I have termed the law of the telecosm. Its physical base lies in the same quantum realm of eigenstates and band gaps that governs the performance of transistors and also makes photons leap and lase. But the telecosm reaches beyond components to systems, combining the science of the electromagnetic spectrum with Claude Shannon's information theory. In essence, as frequencies rise and wavelengths drop, digital performance improves exponentially. Bandwidth rises, power usage sinks, antenna size shrinks, interference collapses, error rates plummet. The law of the telecosm ordains that the total bandwidth of communications systems will triple every year for the next 25 years. As communicators move up-spectrum, they can use bandwidth as a substitute for power, memory, and switching. This results in far cheaper and more efficient systems. In 1996, the new fiber paradigm emerged in full force. Parallel communications in all-optical networks became the dominant source of new bandwidth in telecom. Like Moore's law, the law of the telecosm will reshape the entire world of information technology. It defines the direction of technological advance, the vectors of growth, the sweet spots for finance. AMERICA'S DARK SECRET FOR MORE THAN A DECADE, American companies have been laying optical fiber strands at a pace of some 4,000 miles a day, for a total of more than 25 million strand miles. Five years ago, the top 10% of U.S. homes and businesses were, on average, a thousand households away from a fiber node; now they are a hundred households away. However, the imperial advance of this technology conceals a dark secret, which has led to a pervasive underestimation of the long-term impact of photonics. Sixty percent of the fiber remains "dark" (unused for communications) and even the leading-edge "lit" fiber is being used at less than one ten-thousandth of its intrinsic capacity. This problem has prompted leaders in the industry, from Bill Gates and Andy Grove to Bob Metcalfe and Mitch Kapor, to underrate drastically the impact of fiber optics. Restricting the speed and cost-effectiveness of fiber has been an electronic bottleneck and a regulatory noose. In order for the signal to be amplified, regenerated, or switched, the light pulses had to be transformed into electronic pulses by optoelectronic converters. For all the talk of the speed of light, fiber-optic systems therefore could pass bits no faster than the switching speed of transistors, which tops out at a cycle time of between 2.5 and 10 gigahertz. Meanwhile, telecom companies could not deploy new low-cost fiber products any faster than the switching speed of politicians and regulators, which tops out roughly at a cycle time of between 2.5 years and a rate of evolution measurable only by means of carbon 14. Nonetheless, the intrinsic capacity of every fiber line is not 2.5 gigahertz. Nor is it even 25 gigahertz, which is roughly the capacity of all the frequencies commonly used in the air, from AM radio to kA band satellite. The intrinsic capacity of every fiber thread, as thin as a human hair, is at the least one thousand times the capacity of what we call the "air." One thread could carry all the calls in America on the peak moment of Mother's Day. One fiber thread could carry 25 times more bits than last year's average traffic load of all the world's communications networks put together: an estimated terabit (trillion bits) a second. Over the last five years, technological breakthroughs and legislative loopholes have begun to open up this immense capacity to possible use. Following concepts pioneered and patented by David Payne at the University of Southampton in England, a Bell Laboratories group led by Emmanuel Desurvire and Randy Giles developed a workable all-optical device. They showed that a short stretch of fiber doped with erbium, a rare earth mineral, and excited by a cheap laser diode can function as a powerful amplifier over fully 4,500 gigahertz of the 25,000 gigahertz span. Introduced by Pirelli of Italy and popularized by Ciena Corporation of Savage, Maryland, and by Lucent and Alcatel, today such photonic amplifiers are a practical reality. Put in packages between two and three cubic inches in size, the erbium-doped fiber amplifiers (EDFAs) fit anywhere in an optical network for enhancing signals without electronics. This invention overcame the most fundamental disadvantage of optical networks compared to electronic networks. You can tap into an electronic network as often as desired without eroding the voltage signal. Although resistance and capacitance will leach away the current, there are no splitting losses in a voltage divider. Photonic signals, by contrast, suffer splitting losses every time they are tapped; they lose photons until eventually there are none left. The cheap and compact all-optical amplifier solves this problem. It is an invention comparable in importance to the integrated circuit. Just as the integrated circuit made it possible to put an entire computer system on a single sliver of silicon, the all-optical amplifier makes it possible to put an entire system on a seamless seine of silica--glass. Unleashing the law of the telecosm, it makes possible a new global economy of bandwidth abundance. Five years ago when I first celebrated the radical implications of erbium-doped amplifiers, skepticism reigned. I was summoned to Bellcore, where the first optical networks had been built and then abandoned, to learn the acute limits of the technology from Charles Brackett and his team. I had offered the vision of a broadband fibersphere--a worldwide web of glass and light--where computer users could tune into favored frequencies as readily as radios tune into frequencies in the atmosphere today. But Brackett and other Bellcore experts told me that my basic assumption was false. It was no simpler, they said, to tune into one of scores of frequencies on a fiber than to select time slots in a time-division-multiplexed (TDM) bitstream. Indeed, electronic switching technology was moving faster than optical technology. In the face of the momentum and installed base of electronic switching and multiplexing, the fibersphere with hundreds of tunable frequencies would remain a fantasy, like Ted Nelson's Xanadu. In 1997 the fantasy is coming true around the world. Xanadu has become the World Wide Web. The erbium-doped fiber amplifier is an explosively growing $250 million business. Electronic TDM seems to have topped out at 2.5 gigabits a second. TDM gear has suffered a series of delays and nagging defects and so far has failed in the market. Electronic TDM failed not only because it pushed the envelope of electronics but also because it violated the new paradigm. In single-mode fiber, the two key impediments are nonlinearities in the glass and chromatic dispersion (the blurring of bit pulses because even in a single band different frequencies move at different speeds). Chromatic dispersion increases by the square of the bit rate, and the impact of nonlinearities rises with the power of the signal. High-powered, high-bit-rate TDM flunked both telecosm tests. By contrast, wavelength-division multiplexing (WDM) follows the laws of the telecosm; it succeeds by wasting bandwidth and stinting on power. WDM takes some 33% more bandwidth per bit than TDM, but it reduces power to combat nonlinearity and divides the bitstream into multiple frequencies in order to combat dispersion. Thus it can extend the distance or increase capacity by a factor of four or more today and can lay the foundations for the fibersphere tomorrow. In 1996 the new fiber paradigm emerged in full force. Parallel communications in all-optical networks, long depicted as a broadband pipe dream, crushed all competitors and became the dominant source of new bandwidth in the world telecom network. The year began with a trifold explosion at the Conference on Optical Fiber Communication in San Jose when three companies--Lucent Technologies' Bell Labs, NTT Labs, and Fujitsu--all announced terabit-per-second WDM transmissions down a single fiber. Sprint confirmed the significance of the laboratory breakthroughs by announcing deployment of Ciena's MultiWave 1600 WDM system, so called because it can increase the capacity of a single fiber thread by 1,600%. The revolution continues in 1997. At the beginning of January, NEC declared that by increasing the number of bits per hertz from one to three, it had raised the laboratory WDM record to three terabits per second. During 1996, MCI had increased the speed of its Internet backbone by a factor of 25, from 45 megabits a second to 1.2 gigabits. On January 6, Fred Briggs, chief engineering officer at MCI, announced that his company is in the process of installing new WDM equipment from Hitachi and Pirelli that increases the speed of its phone network backbone to 40 gigabits per second. Accelerating MCI's previous plans by some two years, the new system will use a more limited form of wavelength-division multiplexing to put four 10-gigabit in-cause formation streams on a single fiber thread. The first deployment will use existing facilities on a 275-mile route between Chicago and St. Louis, but the technology will be extended to the entire network. This move will consummate a nearly thousandfold upgrade of the MCI backbone, from 45 megabits per second to 40 gigabits, within some 36 months. Ciena, meanwhile, has announced technology that allows transmission of 100 gigabits per second. Its February IPO was the most important since Netscape (market cap at the end of the first trading day: $3.4 billion). Why? Ciena is the industry leader in open standard WDM gear. During the first six months the MultiWave 1600 was available, through October 1996, the firm achieved $54.8 million in sales and $15 million in net income. (Lucent is believed to be the overall leader with more than $100 million of mostly proprietary AT&T systems.) At the same time, the trans-Pacific consortium announced that it would deploy 100-gigabit-per-second fiber in its new link between the United States and Asia. A powerful new player in these markets will be Tellabs, currently the fastest-growing supplier of electronic digital cross-connect switches and other optical switching gear. In a further coup, following its purchase of broadband digital radio pioneer Steinbrecher, Tellabs has signed up all 12 principals in IBM's all-optical team. Headed by Paul Green, recent chairman of the IEEE Communications Society and author of the leading text on fiber networks, and by Rajiv Ramaswami, coauthor of a new 1997 text on the subject, the IBM group built the world's first fully functioning all-optical networks (AONs), the Rainbow series. Tellabs now owns the 11 AON patents and 100 listed technology disclosures of the group. The implications of the WDM paradigm go beyond simple data pipes. The greatest impact of all-optical technology will likely come in consumer markets. A portent is Artel Video Systems of Marlborough, Massachusetts, which recently introduced a fiber-based WDM system that can transmit 48 digital video channels, 288 CD-quality audio bitstreams, and 64 data channels on one fiber line. Aggregating contributions from a variety of content sources--each on different fiber wavelengths--and delivering them to consumers who tune into favored frequencies on conventional cable, the Artel system represents a key step into the fibersphere. It can be used for new services by either cable TV companies or telcos. The deeper significance of the Artel product, however, is its use of bandwidth as a replacement for transistors and switches. The Artel system works on dark fiber without compression. The video uses 200-megabit-per-second bitstreams (compare MPEG2 at 4 to 6 megabytes per second) that permit lossless transmissions suitable for medical imaging, and obviate dedicated processing of compression codes at the two ends. A move to massively parallel communications analogous to the move to parallel computers, all-optical networks promise nearly boundless bandwidth in fiber. According to Ewart Lowe of British Telecom, whose labs at Martlesham Heath in Ipswich have been a fount of all-optical technology, the new paradigm will reduce the cost of transport by a factor of 10. For example, the optoelectronic amplifiers previously used in fiber networks entailed nine power-hungry bipolar microchips for each wavelength, rather than a simple loop of doped silica that covers scores of wavelengths. As these systems move down through the network hierarchy, the growth of network bandwidth and cost-effectiveness will not only outpace Moore's law, it will also excel the rise in bandwidth within computers--their internal "buses" connecting their microprocessors to memory and input-output. While MCI and Sprint move to deploy technology that functions at 40 gigabits a second, current computers and workstations command buses that run at a rate of close to 1 gigabit a second. This change in the relationship between the bandwidth of networks and the bandwidth of computers will transform the architecture of information technology. As Robert Lucky of Bellcore puts it, "Perhaps we should transmit signals thousands of miles to avoid even the simplest processing function." Lucky implies that the law of the telecosm eclipses the law of the microcosm. Actually, the law of the microcosm makes distributed computers (smart terminals) more efficient regardless of the cost of linking them together. The law of the telecosm makes broadband networks more efficient regardless of how numerous and smart are the terminals. Working together, however, these two laws of wires and switches impel ever more widely distributed information systems, with processing and memory in the optimal locations. WHAT SHOULD THE MAJOR PLAYERS DO NOW? FOR THE TELEPHONE COMPANIES, the age of ever smarter terminals mandates the emergence of ever dumber networks. Telephone companies may complain of the large costs of the transformation of their system, but they command capital budgets as large as the total revenues of the cable industry. Telcos may recoil in horror at the idea of dark fiber, but they command webs of the stuff 10 times larger than any other industry. Dumb and dark networks may not fit the phone company self-image or advertising posture. But they promise larger markets than the current phone company plan to choke off their own future in the labyrinthine nets of an "intelligent switching fabric" always behind schedule and full of software bugs. Telephone switches (now 80% software) are already too complex to keep pace with the efflorescence of the Internet. While computers become ever more lean and mean, turning to reduced instruction-set processors and Java stations, networks need to adopt reduced instruction-set architectures. The ultimate in dumb and dark is the fibersphere now incubating in their magnificent laboratories. The entrepreneurial folk in the computer industry may view this wrenching phone company adjustment with some satisfaction. But computer firms must also adjust. Now addicted to the use of transistors to solve the problems of limited bandwidth, the computer industry must use transistors to exploit the nearly unlimited bandwidth. When home-based machines are optimized for manipulating high-resolution digital video at high speeds, they will necessarily command what are now called supercomputer powers. This will mean that the dominant computer technology will first emerge not in the office market but in the consumer market. The major challenge for the computer industry is to change its focus from a few hundred million offices already full of computer technology to a billion living rooms now nearly devoid of it. Cable companies possess the advantage of already owning dumb networks based on the essentials of the all-optical model of broadcast and select--of customers seeking wavelengths or frequencies rather than switching circuits. Cable companies already provide all the programs to all the terminals and allow them to tune in to the desired messages. But the cable industry cannot become a full-service supplier of telecommunications unless the regulators give up their ridiculous two-wire dream in which everyone competes with cable and no one makes any money. Cash-poor and bandwidth-rich, cable companies need to collaborate with telcos--which are cash-rich and bandwidth-poor--in a joint effort to create broadband systems in their own regions. In all eras, companies tend to prevail by maximizing the use of the cheapest resources. In the age of the fibersphere, they will use the huge intrinsic bandwidth of fiber, all 25,000 gigahertz or more, to simplify everything else. This means replacing nearly all the hundreds of billions of dollars' worth of switches, bridges, routers, converters, codecs, compressors, error correctors, and other devices, together with the trillions of lines of software code, that pervade the intelligent switching fabric of both telephone and computer networks. The makers of all this equipment will resist mightily. But there is no chance that the old regime can prevail by fighting cheap and simple optics with costly and complex electronics and software. The all-optical network will triumph for the same reason that the integrated circuit triumphed: It is incomparably cheaper than the competition. Today, measured by the admittedly rough metric of mips per dollar, a personal computer is more than 2,000 times more cost-effective than a mainframe. Within 10 years, the all-optical network will be thousands of times more cost-effective than electronic networks. Just as the electron rules in computers, the photon will rule the waves of communication. I know people would not write it..But worth a try:)

i need help Executive Summary: could gather my information the on bottom?

Should we give money to poor ppl? ZAKAAT (Alms) Ramadan is the month of giving and benevolence, the Messenger was more benevolent than a falling rain. Muslims are encouraged to emulate the Messenger of Allah (saas), to assess and pay their Zakaat during the month of Ramadan, thus combining the two pillars of Islam at the same time. Zakaat (alms) is the name of what a believer returns out of his or her wealth to the neediest of Muslims for the sake of the Almighty Allah. It is called Zakaat because the word Zakaat is from Zakaa which means, to increase, purify and bless. Who Should Give Zakaat The obligation of Zakaat is mandatory on every Muslim who possesses the minimum Nisaab, whether the person is man, woman, young, old sane or insane. Because the proof of Zakaat in Al-Qur`an and Sunnah is general and does not exclude young or insane. Allah (SWT) stated that: "Of their goods take alms so that thou mightiest purify and sanctify them..." (Al-Qur`an, 9: 103) Imam Ibn Hazim said that every Muslim young or old sane or insane needs to cleanse his or her wealth with Zakaat because of generality of the evidence. Anas bin Malik reported that the Messenger of Allah (saas) said: "Trade with the money of the orphan, lest it is eaten up by Zakaat." (At-Tabraani) In another Hadith `Amru bin Shuaib related from his grandfather that the Messenger of Allah said: "Whoever is entrusted with money of an orphan should trade with it and should not leave it sitting to be used up by charity." (Tirmidhi) The point of reference in these reports is that the Messenger (saas) urged the trustee on the estate of people who due to age or other reasons cannot manage their own financial affairs, to invest it in a business that will yield a return and make it grow until they are in a position to do so themselves. For, if proper investment is not made with an ophan's inheritance, it will be depleted by charity, thus leaving the orphan with little or nothing. The Nisaab The Lawgiver, Allah has prescribed the minimum amount that is obligatory for Zakaat in different ranges of properties, and that minimum amount is known as nisaab. The reason for nisaab is to ensure that no one is forced to give Zakaat out of what he or she does not have, and that no wealth goes without Zakaat. Nisaab is also an insurance against the tyranny of the state to tax the poor and or the neediest as is the case in many countries. Nisaab is a reference point for the average Muslim who is not sure whether he possesses the minimum wealth on which Zakaat is obligatory. The wealthy need not worry about the Nisaab. Zakaat is obligatory on their entire wealth and must be paid out at the end of financial year that they set for their Zakaat. The Nisaab will not be valid unless it fulfills two conditions: 1) The amount that has reached Nisaab must be the excess or surplus known as "faadil" from one's essential needs such as food, clothing, housing, vehicles, tools and machinery that is used in business. The essentials for living are exempted from Zakaat. Although what constitutes nisaab may change from one country to another, the amount that is needed for the basic needs of living in different countries is very similar, because the market place determines the prices, whether it is an official market or a non-official market. In the poorest countries people do without or live below the poverty standard, and that is why many go hungry or without basic essentials. However, we must realize that Zakaat is an act of worship (ebadah) like Salaat. The element of intention (niyyah) is necessary, and we should not overly rely on state agencies to determine for us the requirements of our religious duty. The so called the "consumption basket" (that is poverty level as determined the social security administration which are updated every fiscal year) may not be the same as what Islam considers minimum Nisaab. In the industrialized countries, the consumption basket may include items that are not necessarily essential, such as entertainment, extra clothing, variety of food, eating in restaurant or eating at home, owning more than one car as opposed to having three cars in the driveway, drinking water as opposed to juices, eating regular food or special "health" food. This is why I believe it is essential that we do not lose site of the fact that Zakaat is ebadah of wealth, like salaat and fasting. Non Muslims may consider all the things mentioned above as essentials while Muslims will not. Indeed, no Muslims in good standing will attempt to hide behind the label of consumption basket so as to evade Zakaat. Nisaab eliminates the possibility of injustice or unfair treatment of the Zakaat payer. To suggest that if we do not follow the rules of International Monetary Fund or the arbitrary figures of social security administration or department of agriculture we will be doing injustice to the Zakaat payer is ludicrous. 2) Nisaab must mature, that is the money is not liable for Zakaat unless it has remained a full year in the possession of a person. This is the understanding of the majority of the scholars. Imam Abu Hanifah (raa) said: "What should be considered is the existence of nisaab at the beginning and the end of the Zakaat year set by the payer". It does not matter if the nisaab money increases or decreases during the calendar year, as we will explain later. This condition does not include farm produce, for it is due on the day it is harvested. Allah (SWT) stated: "... But render the dues that are proper on the day that the harvest is gathered..." (Al-Qur`an, 6: 141) According to Imam Al-`Abadi, (raa) Zakaat money is of two kinds: one that by its nature can not be invested and Zakaat of this category is due on the day of harvest. This includes all the farm produce that is liable for Zakaat. The other is wealth that can be invested in the hope of a good return, like cash, gold or silver, because the opportunity is there that cash in one's hand can be invested for a good return. This includes currency investment, merchandise and livestock. Their Zakaat is not due until they have matured in one full year. The proof of this condition is the Hadith related by Ibn `Umar that the Messenger of Allah (saas) said: "He who acquires property is not liable for Zakaat on it till a year passes." According to Ibn Rushd (raa) this is the understanding of the majority of scholars, including the four rightly guided Khalifahs. Zakaat Of Salaries The condition of yearly term maturity applies to the commodities on which the Lawgiver said Zakaat is due, and this includes silver, gold, modern paper currency and livestock. Paper currency is analogous to silver, therefore, it takes the case of silver. There is no Zakaat on salary, earned income from wage earners or professionals or independent contractors until such money matures in a full year. There is no such thing as paying your Zakaat on the day you receive your paycheck. What the wage earner must know is that he or she can purify that money with charity (sadaqah) anytime they cash the paycheck. Allah (SWT) states: "And in their wealth and possessions (was remembered) the right of the needy, he who asks and he who (for some reason) was prevented (from asking)." (Al-Qur`an, 51: 19). We can deduce from the concept of "yearly maturity" of wealth on which Zakaat is due as encouraging, among other things, saving on the part of the Zakaat payer, and enhances the chances for eradicating poverty, because if the poor receives his rightful share of Zakaat there will be the possibility that he can take Zakaat money and invest it and become a Zakaat payer instead of recipient. This possibility will be lost if he receives few Zakaat dollars every month. To say that the wage earner just brings his check home and spends everything on necessities and lives from check to check with nothing left over means the person is eligible for Zakaat. Using farm produce as analogous to salary for Zakaat is wrong analogy. As Imam Al-`Abadi said, these are two different categories of money. $2, 500.00 cash can be invested by the person and expect a good return whereas it will be difficult to invest a bushel of corn. It can be traded as a commodity, which is what it is. This why we must know that analogy has rules that must be followed before it is applied. Certainly the jurists are unanimous that earned income, known as almal al-mustafadah, should either be added to existing money and wait until that amount reaches maturity and then give their Zakaat; or if there is no money on hand the time one possesses this money, he or she should wait one full year before assessing it for Zakaat. Zakaat is one of the five pillars of Islam and a vital element in the religion of Islam. It is the twin sister of Salaat. In Al-Qur`an, Allah (SWT) stated: "So establish regular Prayer and give regular Alms; and obey the Messenger; that you may receive mercy." (Al-Qur`an, 24: 56) Also, "...Establish regular Prayer and give regular Alms, and loan to Allah a beautiful loan...." (Al-Qur`an, 73: 20) "And they have been commanded no more than this: to worship Allah, offering Him sincere devotion, being true (in faith); to establish regular Prayer and to practice regular charity; and that is the religion right and straight." (Al-Qur`an, 98: 5) In a famous Hadith reported by `Umar Bin Khattab (raa), the Messenger of Allah (saas) responded to Jibreel (as) and said: "... Islam is to testify that there is no deity but Allah and Muhammad is the Messenger of Allah, to perform the prayer, to pay Zakaat, to observe fasting in Ramadan, and to make pilgrimage to the house of Allah if you are able to do os...." (Bukhari, Muslim) There is consensus among Muslim scholars that it is mandatory on every believer who is financially able. Whoever knowingly denies this obligation, while he possesses the minimum amount, would be considered a disbeliever and a renegade from Islam. Whoever is stingy, or tries to cheat, is considered among the wrongdoers. Zakaat is mandatory on four categories of items. 1. Farm produce of seeds and fruits, such as wheat, barley, rice, dates, raisins, cocoa, pistachios, coffee, cashews. Allah (SWT) stated: "O you who believe, give of the good things which you have (honorably) earned, and of the fruits of the earth which We have produced for you..." (Al-Qur`an, 2: 267) Also: "... But render the dues that are proper on the day that the harvest is gathered..." (Al-Qur`an, 6: 141) Thus, these two verses and many others indicate that Zakaat is due on farm products that reached the minimum amount (nisaab). No farm product is liable for Zakaat unless it is a product that is considered as food and can be stocked or saved naturally without refrigeration. If the produce is perishable fruit, such as grapes, there is no Zakaat. But if one sells them they will pay their Zakaat on the profit earned when it matures. The nisaab is 612 kilos, which equals 1,346.40 lb. There is no Zakaat on produce that is less than this amount. If the farm produce or crops grow dependant on rainwater, or without any man's labor or irrigation, Zakaat due is one-tenth of the total. If it is grown by irrigation, then the Zakaat due is half of one-tenth of the total produce. There is no Zakaat on fruits like apples or oranges or vegetables which are perishable and need refrigeration for long storage, but they should be considered as any income if the profit earned from their sale reaches the amount of Zakaat, then Zakaat should be given. 2. Cattle, including camels, cows, sheep and goats, that are freely graze and are raised for trade and production. For Zakaat to be obligatory, the number must reach the nisaab. The nisaab of camels is five, of cows 30, of sheep and goats, 40. By freely grazing is meant the animal goes out to feed without the owner buying or bringing it feed or hay. If it is not a grazing animal, there is no Zakaat in the stock by itself. The stock will, however, be considered as articles of trade, then will be assessed for Zakaat as articles of trade when the profit earned from their sale reaches the amount by itself or in combination with other articles of the trade. 3. Merchandise and goods of trade and commerce. This includes anything that is obtained for the business of buying and selling: land, animals, food provisions, fabric, cars, spare parts, etc. This inventory is evaluated annually and assessed for Zakaat, whether the value is the same as the amount spent on it, more, or less. The owners of grocery stores, like any other business, must evaluate every item and give their Zakaat. Simple bookkeeping of inventory, orders, cash on hand, and credits, that is non-delinquent loans, will give one a good picture of the zakaatable assets. But if one is unable to account for everything in the store or shop, he should assess it according to his ability until he is sure that his conscience is clear. There is no Zakaat on what is within one's dwelling or property which includes food, drinks, furniture, houses, animals, cars, clothes and shoes. The only exception is gold and silver. There is no Zakaat on assets from rentals or lease, whether they are apartment units, taxi cabs, etc. That is, there is no Zakaat on the apartment units, buses or cars for rental like yellow cabs company or trucks for rental or equipments. But there is Zakaat on the proceeds or incomes from these rental assets if these assets reach the executable amount, either by themselves or in combination with other assets. Business Activities Many scholars are of the opinion that any business activity that brings any return to the entrepreneur or investor should be assessed for Zakaat. If the activity has a prescribed nisaab, such as gold, silver or paper currency, that nisaab is applied for Zakaat. But if the business has no declared nisaab, its nisaab is the nisaab of commerce, one reason being that most business activities are considered as commerce and because, in actual fact, it is not factitious business name, such as GM, Apple or GE that is taxed for Zakaat, it is the individual investor. We do not tax cooperations such IBM, Apple, GM or Rajihy Bank but the individual investors, share holders and owners of these corporations. Indeed, there are enough rules in Zakaat books to cover all types of business activity, be it cash or risk investment. If the business activity is analogous to commerce, it should be assessed the same rate as commerce. To subject the business to a different Zakaat rate of 10%, which is the rate of farm products instead of its correct rate of 2.5%, the rate of commerce, is unfair and unjustified. Besides, there is no proof, even a weak one, to justify this unfair arbitrary taxation. The difference between 2.5% and 10% is high. The Zakaat system is not like a state revenue collection, but Allah's `ebadah. However, if a business person decides to give more than 2.5% after deducting all the expenses including depreciation, Allah (SWT) will accept it from him. 4. Gold and silver, whether used for commerce or jewelry. Allah (SWT) states: "...And there are those who bury gold and silver and spend it not in the way of Allah: announce unto them a most grievous penalty. On the day when heat will be produced out of that (wealth) in the fire of hell, and with it will be branded their foreheads, their flanks and their backs. This is the (treasure) which you buried for yourselves: taste you, then, the (treasures) you buried." (Al-Qur`an, 9: 34-35). By hoarding is meant refusal to give it in the path of Allah, which includes Zakaat. In a hadith reported by Abu Hurairah (raa), the Messenger of Allah (saas) said: "For the owner or possessor of gold and silver who does not fulfill its obligation, on the Day of Resurrection it will be cast into sheets of fire and be branded on his forehead, side and back. Whenever it cools it is to be repeated for him in a day whose length is the length of fifty thousand years, until the judgement is rendered among the people." (Muslim). By its obligation is meant assessing it for Zakaat. In another version: "No possessor of a treasure who does not give its Zakaat." Zakaat is mandatory in gold and silver, irrespective of its form: in coins, raw or nugget, or jewelry for wearing, or for rent, because of the generality of evidence of Zakaat without any detail. In a report by Abdullah bin `Amr bin `Aas (raa), he related that a woman came to the Messenger of Allah with her daughter. On the daughter's wrist were two heavy gold bracelets. The Messenger asked her, "Do you pay Zakaat on this?" She replied, "No." The Messenger said: "Would it please you that Allah will encircle you with two bracelets of fire?" The reporter commented that she took them off and threw them down in front of the Messenger, and said: "They are for Allah and his Messenger." (Ahmed, Tirmidhi). The Messenger's wife reported that: "The Messenger entered into my house and saw in my hand a huge ring made of silver, so he asked, `What is this?' I replied, `I made them to beautify myself for you, O Messenger of Allah.' He inquired, `Do you give their Zakaat?' I said, `No,' or `Allah willing.' He said: `It will suffice you in the hellfire.'" (Abu Dawuud). Zakaat is due on gold when it reaches the amount of (nisaab), which is 20 Dinaar. According to a hadith, the Messenger said: "No Zakaat on you is due until it reaches 20 dinaar." (Abu Dawud) The Islamic dinaar (currency) is one mithqal, a unit of weight which weighs four and one quarter of a gram. Thus, the nisaab is 85 grams. This is equal to $30.00 US dollars. Similarly, there is no Zakaat on silver until it reaches five oqiyah, because the Messenger said: "There is no Zakaat on less then five oqiyah." (Muslim/Bukhari) Oqiyah is equal to forty Islamic dirhams. The nisaab is 200 dirhams. One dirham is equivalent to 595 grams. The zakaatable amount in both the gold and silver is a quarter of a tenth only. Paper Currency There is Zakaat on modern paper currency because it is equivalent to silver. During the early days of Islam, silver and gold were the currency of exchange minted into dirham for silver and dinaar for gold. Silver, not gold, had a larger circulation. Thus many scholars are of opinion that silver should be the standard for the paper currencies of today because that is more advantageous to the Zakaat payer, as it raises the minimum nisaab whereas gold lowers it. Although both metals are no longer circulated, they are still considered as a security against ever fluctuating paper money. Silver should be used as a standard to assess Zakaat annually, not paper currency, even if the currency is hard currency like the US dollar, Yen and Deutch Mark or Pound Sterling. Because these currencies are backed by political decisions that may not have anything to do with the economy, the value and strength of this paper money depends largely on all haram usury system of interest rates. Thus, the Zakaat payer should look up in the local newspaper's financial or business section for the price of silver which is currently about $3.82. per ounce. The nisaab, then, is 596 x .04=28.80 ounce multiplied by$3.82= 90.91. therefore. The nisaab is about $100.00, as of December 17, 1991. The nisaab should be based on the market value of the currency. If the money is hard currency, there will be no problem, but if the money is a non-marketable currency, like most currencies in the third world countries, the nisaab should be based on the black market, which realistically reflects the value of the currency on the money market. In any case, the silver rate should be used to assess the Zakaat. If the nisaab is determined, the zakaatable amount is 2.5%, or .025 multiplied by the amount. For instance, if the zakaatable amount is $56,000.00 it will be 56,000. x .025 = $1,400.00. Zakaat is due on gold, silver, and or paper currency, whether it is cash in hand or credit in the hands of borrowers. Zakaat is due on debts or cost of merchandize or rental money. If the borrower is a wealthy person that you know will pay back the debt, the lender (that is Halaal lending free of usury) should include that money in the assessment and give its Zakaat. However, one can delay Zakaat on a loan until he receives payment, then return its Zakaat for the past years that he was unable to assess for Zakaat. If the borrower is poor or is refusing to pay the debt, there will be no Zakaat on the money until the lender receives the money. Then he will assess it for Zakaat of one past due year, but there will be no Zakaat in the years before that. There is no Zakaat on precious stones such as diamonds, or metals such uranium, regardless of their value. Gold and silver, of course are assessed for Zakaat. However, if a person possesses any of these stones or metals, he should give their Zakaat like any other articles of trade. If a person possesses diamonds or any other precious stones as an edge against inflation or for ornaments, there will no Zakaat on these. How To Give Zakaat Zakaat may be assessed and returned in two ways: a) Make a record of all money earned, either daily or monthly, which has reached the nisaab and remains in the treasury. The Zakaat of that money would be due one year later on the same day the money was earned and reached nisaab. This means every month's income must be set aside and assessed for Zakaat and so will be the case for the rest of the months. For instance, the income of January, 1991 will be assessed for Zakaat in January, 1992, and the income of February, 1991 will be assessed for Zakaat in February 1992, etc. This method of assessing Zakaat is very difficult because it entails complete bookkeeping of daily or monthly earnings. b) The best way is to set a day or a month, preferably Ramadan, for your annual Zakaat return calendar, say Ramadan 1st, 1412. One year later on the same day Ramadan, 1413, your Zakaat is due and payable. Whatever is in the savings is due for Zakaat, regardless of whether all the amount in the savings reaches a year or not. For instance: if you have $20,000.00 in the savings account on the 1st of Ramadan, 1412 and one year later by the 1st of Ramadan, 1413 there is $50, 000.00, your Zakaat will be assessed for $50,000.00, that is: $50.000.00 x .025= $1,250.00. If, on the other hand, by the 1st of Ramadan, 1413 the amount in the savings is $15,000.00, your Zakaat will be for the amount in the savings, that is $15,000.00 x .025= $375.00. This method is the best because it is easy to assess, meets one's obligation and relieve one's conscience. The Recipient Of Zakaat Knowing who qualifies as recipient of Zakaat is an important aspect of Zakaat collection in Islam. Fortunately, Allah (SWT) has been merciful to us in that He Himself spelled out the people eligible to receive Zakaat. In Surah Tawbah He stated: "Alms are for the poor and the needy; and those employed to administer (the funds); for those whose hearts have been (recently) reconciled (to truth); for those in bondage and in debt; in the cause of Allah; and for the wayfarer: (thus is it) ordained by Allah, and Allah is full of knowledge and wisdom." (Al-Qur`an, 9: 60) In this verse Allah enumerated the people who deserve this divine welfare, and they are as follows: The poor and the needy. These are individuals, and those under their care, to live on. By the poor and needy is meant the people whose income or salaries, or whatever material goods they have, fall short of the cost of living in a given environment and economy. The poor and the needy should be given what will suffice them and their families for one full year. The needy who want to get married and have no means should be given enough for this purpose, and so, too, the student who needs money for tuition, rent, food, and books. The working poor should be given supplementary Zakaat. But the wealthy, or any person with enough income to live on should not be given Zakaat, even if they asked for it. Instead, they should be warned and admonished for asking for what does not belong to them. In a hadith reported by Abdullah bin `Umar, the Messenger of Allah (saas) stated: "A man keeps on asking others for something till he comes on the day of Resurrection without any piece of flesh on his face." (Bukhari/Muslim). This hadith indicates a humiliating appearance before Allah (SWT) that awaits a person who asks illegally. Some said: this hadith implies Allah will punish a person with the very limb, the face, that he used to impress on others to give him their money unlawfully. In another hadith reported by Abu Hurairah, the Messenger of Allah said: "Whoever asks people for their money so as to get rich, he is asking for flames of fire. It is up to him to ask for more or less (he should beware)." (Muslim) This hadith indicates the severity of the punishment, the more one asks the more punishment, the less one asks the less the punishment. In another hadith, reported by Hakeem bin Hizaam said: I begged the Messenger of Allah and he gave me. I begged again, and he gave me. I begged again and he gave me. He then said: "This money is green and sweet; he who receives it from people with a cheerful heart, Allah will bless him in it; he who receives it, with an avaricious mind would not be blessed in it. He will be like the person who eats without being satisfied; and the upper hand is better than the lower hand" (Muslim) This hadith gave an analogy between money and green, ripened fruit that people love to eat. Thus, it indicates that both are greatly loved but easily finished. For money that is easy come easy go, one must be careful about the punishment that awaits the illegal eater. If a person asks for Zakaat and there are no signs of wealth, and he does not know that he should not ask, or a person who is well and able, who can work, but does not; if these people do not know that it is not permissible for them to ask, it may be given anyway. In a hadith reported by Ahmed, Abu Dawud, and Nasa'e, two men came to the Messenger of Allah (saas) and asked for Zakaat. He looked at them closely and found them strong and able, he said, "If you want I will give you. But you should know that the wealthy or an able person who can work has no share in Zakaat" (Ahmad) Those who administer the Zakaat department, assigning people for collecting, bookkeeping, making lists of people eligible for Zakaat, and a financial calendar. These people will receive Zakaat as compensation for their work, even if they are wealthy. This does not include a person who works as an agent for one or two wealthy people to take Zakaat for himself. They should donate their time for Zakaat disbursement and do it with honesty and truthfulness. If they can not, they should be paid or rewarded for their time. In a hadith related by Abu Musa Al-Ashi`ari (raa), the Messenger of Allah said: "A trustworthy Muslim executor is the one who executes completely what has been entrusted to him of Zakaat money in good faith." (Bukhari) That is, he will give the Zakaat money to any of the eligible recipients of Zakaat. He should carry on the duty voluntarily, but if he can not distribute the money without being paid, the Zakaat payer should pay him for his work. The payment for the service of distributing Zakaat should not come out of Zakaat money. The new converts to Islam whose hearts we want to harmonize into the fold of Islam, either because their faith is weak or we are afraid of their being harmed, should be given Zakaat to strengthen their Iman or until we no longer fear their harm. The bonds person who has contracted with his master to buy himself out of bondage deserve Zakaat and should be given enough to pay off their debt to the master and be freed themselves; similarly, Muslim prisoners of war if their freedom is tied to monetary payment, deserve Zakaat sufficient enough to secure their release. On the other hand, if a pearson accidently killed someone and have no means to pay off the blood money, he should be helped from Zakaat funds. The people in debt are of two kinds: (A) The guarantor, who takes the responsibility of someone else's debt so as to reconcile the two warring parties, to extinguish the fire of fitnah between them. If the person requests Zakaat money to pay off this debt he should be given it, which will encourage him to continue in this noble cause. In a hadith reported by Qubaysah Al-Hilaaly (raa), he said I was under debt (hamaalah) and I came to the Messenger (saas) and begged him to help me pay it off. The Messenger told him: "Wait until we receive charity, so we will command that it be given to you." However, the Messenger stated: "O Qubaysah, begging is not permitted except for one of three categories of people: A man who has incurred debt (as guarantor to reconcile blood wit) for him begging is permissible till he pays that off, after which he must stop it; a man whose property has been destroyed by calamity which has smitten him; for him begging is permissible till he gets what will support life or will provide him reasonable subsistence; and a man who has been smitten by poverty, the genuineness of which should be confirmed by three knowledgeable members of his people; for him begging is permissible till he gets what will support him, or will provide him subsistence. Besides these three, Qubaysah, begging is forbidden for every other persons, and one who engages in such consumes that which is forbidden." (Muslim) (B) Whoever incurs debt and has no money to pay it back will be given from Zakaat to help pay his debt, whether the amount is large or small; or his creditor should be paid directly on his behalf, so long as it is paid off. Zakaat can be given in the path of Allah. By this is meant to finance a Jihad effort in the path of Allah, not for Jihad for other reasons. The fighter (mujahid) will be given as salary what will be enough for him. If he needs to buy arms or some other supplies related to the war effort, Zakaat money should be used provided the effort is to raise the banner of Islam. The wayfarer. This is the traveller who in a strange land runs out of money. He or she deserves Zakaat, enough money to take him back to his country, even if he is wealthy and can find someone to loan him the money. On his part, he should take with him on his trip sufficient money, if he is wealthy, so that he will not need Zakaat. Zakaat money can not be used to pay off other obligations, such as giving Zakaat money to people you are obligated to take care of by law; or Zakaat money can not be used to pay for hotel and food expenses. It is, however, permissible to give Zakaat to a wife or family member, provided it is not part of their daily living expense money, but is needed to pay off a debt for one's wife if she can not pay it. So is the case for one's parents if they can not pay their debt. Zakaat money may be given to members of the family for their expenses if one is not obligated to take care of them financially. The wife can pay off a debt of her husband with Zakaat money, because he may be among the eight eligible recipients and she is not obligated to spend on him as he is on her. The eight eligible recipients of Zakaat can be denied their right to Zakaat without proof from Al-Qur`an or Sunnah. In a hadith reported by Ibn Mas`ud, his wife Zaynab heard the Messenger of Allah order women to give Zakaat, so she asked the Messenger (saas): " O Messenger of Allah, you commanded us to give Zakaat, and I have jewelry that I wanted to assess for Zakaat, but my husband Abdullah bin Mas`ud claimed that his son deserves it more than anyone." The Messenger replied: Your husband Ibn Mas`ud is right. Your son deserves your charity more than anyone." In another hadith reported by Salman bin `Aamir, he said the Messenger of Allah said: " Charity to the poor is only charity, but charity to the rest of kind is charity and maintenance of relations (sillah)." (Nisaee) No loan should be written off as Zakaat because Zakaat is taken and given. Allah (SWT) said: "Of their goods take alms...." (Al-Qur`an, 9: 103) And in a Hadith the Messenger has been reported as saying: "Allah has mandated on you Zakaat to be taken from the wealthy and to be given to the poor." Thus, writing off debt is not taken. For instance, If you loan a person money, you can not write off that loan as a Zakaat. However, it could be written off as sadaqah charity. Furthermore, loan, delinquent or not, is considered an absent money, therefore, it should not be transacted in Zakaat. for Zakaat is assessed only in cash in hand. Besides, debt money is valued less than cash in the hand, and using that money for alms is like exchanging good money for bad. The assessor of alms should try to give his Zakaat to an eligible person, but if he makes a mistake and gives it to an ineligible person it is accepted. In a hadith related by Abu Hurairah, he said the Messenger said: "A man expressed his intention to give charity, so he came with his charity and placed it in the hand of an adulteress. In the morning the people were talking and saying charity was given to an adulteress last night. The donor said: O Allah, to thee be the Praise - charity to an adulteress! He then again expressed his intention to give charity, so he went out with it and placed it in the hand of a rich person. In the morning the people were talking and saying charity was given to a rich person. The donor said, O Allah to You be the praise - charity to a rich man! He then expressed his intention to give charity, so he went out with his charity and placed it in the hand of a thief. In the morning the people were talking and saying charity to the thief. So the man said, O Allah to You be the praise (what a misfortune that charity has been given) to the adulteress, the rich and the thief! Then someone came to him and told him your charity has been accepted. As for the adulteress the charity might become the means whereby she might restrain from fornication. The rich man might perhaps learn a lesson and spend from what Allah has given him, and the thief might thereby restrain from committing theft. (Muslim/ Bukhari) http://www.islamfortoday.com/beliefs.htm

I need help with my Economics homework, I didn't bring my book home :(? This is my first day in Economics, and I have a ton of homework. Please, help me, if I don't do this, I'm not going to have a good start with the teacher, and he will probably hate me from now on. I forgot my book at school because we got out early due to an ice storm. 1. A product intended for final use by an individual: 2. When factors of production perform only tasks they can do more efficiently than others. 3. Alternative choices 4. A condition that results from society not having enough resources to produce all the things people would like to have 5. The next-best alternative use of money, time, or resources when one choice is made rather than another. 6. Any product that lasts three or more years when used on a regular basis. 7. The capacity to be useful and provide satisfaction 8. An individual risk-taker in search of profits who does something new with existing resources. 9. Factor of production that includes people, with all their efforts, abilities, and skills. 10. The measure of the amount of output produced with a given amount of resources during a specific period of time. 11. An economic product that is performed for someone. 12. An economy in which consumers and privately owned businesses, rather than the government, make the majority of economic decisions. The next is problems and choices. (Problems first choices below) (Questions) _Scarcity _Consumers _Markets _Opportunity Cost _Production possibilities frontier _Cost-benefit analysis _Study of economics (Choices) C. Next-best alternative--or trade-off--in a decision D. They use goods and services to satisfy wants and needs. E. This is created by people's seemingly unlimited wants and relatively limited resources. G. Provides insight as to how incomes are earned and spent, how jobs are created, and how the economy works on a daily basis. K. These link buyers and sellers in the circular flow of economic activity. L. A way of thinking about a problem that compares the costs of an action to the benefits received. N. A model that shows the various combinations of goods and services that can be produced when all resources are fully employed. (Below is another set of questions and choices to choose from) (Questions) _1. Opportunity cost _2. Production possibilities frontier. _3. Trade-offs _4. Free enterprise economy. _5. Standard of living. (Choices) a. alternative choices. b. where consumers and privately owned businesses answer the three basic economic questions c. quality of life based on the ownership of the necessities and luxuries that make life easier d. the cost of the next-best alternative when a choice is made. e. diagram representing various combinations of goods and services an economy can produce when all resources are fully employed. f. a tool that can be used to help make an economic decision by identifying alternatives and criteria to evaluate the alternatives. (New set of questions) 6. Which of the following best describes the relationship between trade-offs and opportunity costs? a. opportunity costs are incurred when trade-offs are made. b. opportunity costs are the opposite of trade-offs. c. trade-offs lower the opportunity costs of an economic decision. d. trade-offs occur when there are no opportunity costs. 7. Imagine you decide to purchase a soccer ball for $35. Which of the following is an opportunity cost of your decision? a. the time spent deciding to spend your money b. something else that could have been bought c. $35 in cash d. the time spent making the purchase and the tax paid on the ball 8. The production possibilities frontier a. indicates the ideal production levels for goods and services b. cannot expand c. is not affected by economic growth d. illustrates the concept of opportunity costs 9. The study of economics helps people to a. become better decision-makers b. make wise choices for political candidates c. understand the free enterprise system d. all of the above 10. When analyzing economic behavior, it helps to a. use simple models b. focus on the benefits rather than the costs c. take large steps toward the final goal d. write a thesis (New set of questions) (Questions and choices follow below) (Questions) 1. Scarcity 2. Need 3. Land 4. Capital 5. Gross Domestic Product (Choices) a. factor of production that includes natural resources not created by humans b. a basic requirement for survival c. dollar value of all final goods, services, and structures produced within a country's borders in a 12-month period d. condition that results from society not having enough resources to produce all the things that people would like to have e. factor of production that involves risk takers in search of profits f. factor of production that includes tools, equipment, machinery, and factories used in the production of goods and services (

What Can We Do to Help Win the War on Terror?-Advice please.? Here's the thing---------this question is not here for our normal rantings-----save that for my previous or next question. LOL I am looking for honest intelligent people to share what they feel could be of benefit to the entire free world. please read what I copied and pasted -----this blog I found in another yahoo answers question/answer-----it SURE did open my eyes up and I strongly suggest you share this info with everyone you know that values their future. Remember some of these terrorists have higher education and are articulate enough to infiltrate yahoo answers with their dis-information and anti-American hate. THE WAR Please take the time to read the essay below by Dr. Chong. It is without a doubt the most articulate and convincing writing I have read regarding the War in Iraq. If you have any doubts please open your mind to his essay and give it a fair evaluation. I had no idea who Dr. Chong is or the source of these thoughts... so when I received them, I almost deleted them - as well-written as they are. But then I did a "Google search" on the Doctor and found him to be a retired Air Force Surgeon of all things and past Commander of Wilford Hall Medical Center in San Antonio. So he is real, is connected to Veterans affairs in California, and these are his thoughts. This WAR is for REAL! Dr. Vernon Chong, Major General, USAF, Retired Tuesday, July 12, 2005. To get out of a difficulty, one usually must go through it. Our country is now facing the most serious threat to its existence, as we know it, that we have faced in your lifetime and mine (which includes WWII). The deadly seriousness is greatly compounded by the fact that there are very few of us who think we can possibly lose this war and even fewer who realize what losing really means. First, let's examine a few basics: 1. When did the threat to us start? Many will say September 11, 2001. The answer as far as the United States is concerned is 1979, 22 years prior to September 2001, with the following attacks on us: * Iran Embassy Hostages, 1979; * Beirut, Lebanon Embassy 1983; * Beirut, Lebanon Marine Barracks 1983; * Lockerbie, Scotland Pan-Am flight to New York 1988; * First New York World Trade Center attack 1993; * Dhahran, Saudi Arabia Khobar Towers Military complex 1996; * Nairobi, Kenya US Embassy 1998; * Dares Salaam, Tanzania US Embassy 1998; * Aden, Yemen USS Cole 2000; * New York World Trade Center 2001; * Pentagon 2001. (Note that during the period from 1981 to 2001 there were 7,581 terrorist attacks worldwide). 2. Why were we attacked? Envy of our position, our success, and our freedoms. The attacks happened during the administrations of Presidents Carter, Reagan, Bush 1, Clinton and Bush 2. We cannot fault either the Republicans or Democrats as there were no provocations by any of the presidents or their immediate predecessors, Presidents Ford or Carter. 3. Who were the attackers? In each case, the attacks on the US were carried out by Muslims. 4. What is the Muslim population of the World? 25%. 5. Isn't the Muslim Religion peaceful? Hopefully, but that is really not material. There is no doubt that the predominately Christian population of Germany was peaceful, but under the dictatorial leadership of Hitler (who was also Christian), that made no difference. You either went along with the administration or you were eliminated. There were 5 to 6 million Christians killed by the Nazis for political reasons (including 7,000 Polish priests). (see http://www.nazis.testimony.co.uk/7-a.htm... Thus, almost the same number of Christians were killed by the Nazis, as the six million holocaust Jews who were killed by them, and we seldom heard of anything other than the Jewish atrocities. Although Hitler kept the world focused on the Jews, he had no hesitancy about killing anyone who got in his way of exterminating the Jews or of taking over the world - German, Christian or any others. Same with the Muslim terrorists. They focus the world on the US, but kill all in the way -- their own people or the Spanish, French or anyone else. The point here is that just like the peaceful Germans were of no protection to anyone from the Nazis, no matter how many peaceful Muslims there may be, they are no protection for us from the terrorist Muslim leaders and what they are fanatically bent on doing -- by their own pronouncements -- killing all of us "infidels." I don't blame the peaceful Muslims. What would you do if the choice was shut up or die? 6. So who are we at war with? There is no way we can honestly respond that it is anyone other than the Muslim terrorists. Trying to be politically correct and avoid verbalizing this conclusion can well be fatal. There is no way to win if you don't clearly recognize and articulate who you are fighting. So with that background, now to the two major questions: 1. Can we lose this war? 2. What does losing really mean? If we are to win, we must clearly answer these two pivotal questions. We can definitely lose this war, and as anomalous as it may sound, the major reason we can lose is that so many of us simply do not fathom the answer to the second question - What does losing mean? It would appear that a great many of us think that losing the war means hanging our heads, bringing the troops home and going on about our business, like post Vietnam. This is as far from the truth as one can get. What losing really means is: We would no longer be the premier country in the world. The attacks will not subside, but rather will steadily increase. Remember, they want us dead, not just quiet. If they had just wanted us quiet, they would not have produced an increasing series of attacks against us, over the past 18 years. The plan was clearly, for terrorists to attack us, until we were neutered and submissive to them. We would of course have no future support from other nations, for fear of reprisals and for the reason that they would see, we are impotent and cannot help them. They will pick off the other non-Muslim nations, one at a time. It will be increasingly easier for them. They already hold Spain hostage. It doesn't matter whether it was right or wrong for Spain to withdraw its troops from Iraq. Spain did it because the Muslim terrorists bombed their train and told them to withdraw the troops. Anything else they want Spain to do will be done. Spain is finished. The next will probably be France. Our one hope on France is that they might see the light and realize that if we don't win, they are finished too, in that they can't resist the Muslim terrorists without us. However, it may already be too late for France. France is already 20% Muslim and fading fast! If we lose the war, our production, income, exports and way of life will all vanish as we know it. After losing, who would trade or deal with us, if they were threatened by the Muslims. If we can't stop the Muslims, how could anyone else? The Muslims fully know what is riding on this war, and therefore are completely committed to winning, at any cost. We better know it too and be likewise committed to winning at any cost. Why do I go on at such lengths about the results of losing? Simple. Until we recognize the costs of losing, we cannot unite and really put 100% of our thoughts and efforts into winning. And it is going to take that 100% effort to win. So, how can we lose the war? Again, the answer is simple. We can lose the war by "imploding." That is, defeating ourselves by refusing to recognize the enemy and their purpose, and really digging in and lending full support to the war effort. If we are united, there is no way that we can lose. If we continue to be divided, there is no way that we can win! Let me give you a few examples of how we simply don't comprehend the life and death seriousness of this situation. President Bush selects Norman Mineta as Secretary of Transportation. Although all of the terrorist attacks were committed by Muslim men between 17 and 40 years of age, Secretary Mineta refuses to allow profiling. Does that sound like we are taking this thing seriously? This is war! For the duration, we are going to have to give up some of the civil rights we have become accustomed to. We had better be prepared to lose some of our civil rights temporarily or we will most certainly lose all of them permanently. And don't worry that it is a slippery slope. We gave up plenty of civil rights during WWII, and immediately restored them after the victory and in fact added many more since then. Do I blame President Bush or President Clinton before him? No, I blame us for blithely assuming we can maintain all of our Political Correctness, and all of our civil rights during this conflict and have a clean, lawful, honorable war. None of those words apply to war. Get them out of your head. Some have gone so far in their criticism of the war and/or the Administration that it almost seems they would literally like to see us lose. I hasten to add that this isn't because they are disloyal. It is because they just don't recognize what losing means. Nevertheless, that conduct gives the impression to the enemy that we are divided and weakening. It concerns our friends, and it does great damage to our cause. Of more recent vintage, the uproar fueled by the politicians and media regarding the treatment of some prisoners of war, perhaps exemplifies best what I am saying. We have recently had an issue, involving the treatment of a few Muslim prisoners of war, by a small group of our military police. These are the type prisoners who just a few months ago were throwing their own people off buildings, cutting off their hands, cutting out their tongues and otherwise murdering their own people just for disagreeing with Saddam Hussein. And just a few years ago these same type prisoners chemically killed 400,000 of their own people for the same reason. They are also the same type of enemy fighters, who recently were burning Americans, and dragging their charred corpses through the streets of Iraq. And still more recently, the same type of enemy that was and is providing videos to all news sources internationally, of the beheading of American prisoners they held. Compare this with some of our press and politicians, who for several days have thought and talked about nothing else but the "humiliating" of some Muslim prisoners -- not burning them, not dragging their charred corpses through the streets, not beheading them, but "humiliating" them. Can this be for real? The politicians and pundits have even talked of impeachment of the Secretary of Defense. If this doesn't show the complete lack of comprehension and understanding of the seriousness of the enemy we are fighting, the life and death struggle we are in and the disastrous results of losing this war, nothing can. To bring our country to a virtual political standstill over this prisoner issue makes us look like Nero playing his fiddle as Rome burned -- totally oblivious to what is going on in the real world. Neither we, nor any other country, can survive this internal strife. Again I say, this does not mean that some of our politicians or media people are disloyal. It simply means that they are absolutely oblivious to the magnitude of the situation we are in, and into which the Muslim terrorists have been pushing us, for many years. Remember, the Muslim terrorists stated goal is to kill all infidels! That translates into ALL non-Muslims -- not just in the United States, but throughout the world. We are the last bastion of defense. We have been criticized for many years as being 'arrogant.' That charge is valid in at least one respect. We are arrogant in that we believe that we are so good, powerful and smart, that we can win the hearts and minds of all those who attack us, and that with both hands tied behind our back, we can defeat anything bad in the world! We can't! If we don't recognize this, our nation as we know it will not survive, and no other free country in the world will survive if we are defeated. And finally, name any Muslim countries throughout the world that allow freedom of speech, freedom of thought, freedom of religion, freedom of the press, equal rights for anyone -- let alone everyone, equal status or any status for women, or that have been productive in one single way that contributes to the good of the world. This has been a long way of saying that we must be united on this war or we will be equated in the history books to the self-inflicted fall of the Roman Empire. If, that is, the Muslim leaders will allow history books to be written or read. If we don't win this war right now, keep a close eye on how the Muslims take over France in the next 5 years or less. They will continue to increase the Muslim population of France and continue to encroach little by little, on the established French traditions. The French will be fighting among themselves, over what should or should not be done, which will continue to weaken them and keep them from any united resolve. Doesn't that sound eerily familiar? Democracies don't have their freedoms taken away from them by some external military force. Instead, they give their freedoms away, politically correct piece by politically correct piece. And they are giving those freedoms away to those who have shown, worldwide that they abhor freedom and will not apply it to you or even to themselves, once they are in power. They have universally shown that when they have taken over, they then start brutally killing each other over who will be the few who control the masses. Will we ever stop hearing from the politically correct, about the "peaceful Muslims"? I close on a hopeful note, by repeating what I said above. If we are united, there is no way that we can lose. I hope the factions in our country will begin to focus on the critical situation we are in, and will unite to save our country. It is your future we are talking about! Do whatever you can to preserve it. After reading the above, we all must do this not only for ourselves, but our children, our grandchildren, our country and the world. Whether Democrat or Republican, conservative or liberal and that includes the Politicians

Politicians and their Illusion of Power? Take a look a give your opinion:? http://www.mises.org/story/1396

Would this get America out of the Economic Recession? Simple System: 1) Eliminate ALL Income Taxes for all self-employed and small business owners. 0% Taxation. Instead, levy a national sales tax. 2) Abolish all Labor Unions, making Unionization a Federal Crime. 3) Cut every US Govt program except for Medicare/Medicaid, Military & Justice, and Transportation. 4) Reinstate a military draft, but allow all college students, small business owners, and those employed in the work force to be exempt from the draft. Use drafted folks to replace current military volunteers. 5) Eliminate the minimum wage 6) Eliminate Unemployment Insurance and also eliminate welfare 7) Exempt home buyers of all national sales taxes, and let mortage lenders decide who to lend to without government regulation, but eliminate bankruptcy protection. Bank defaults, they rot. 8) Criminals should be warned 1st offense, shot to death after second offense. Very simple rules, you work, you want to work, you're in for a very tax-friendly environment. You refuse, you suffer. How would this work? basically you empower the system by making it cheaper to start your own business on your own. No government assistance. In bitter times, leave it to entreprenuers and banks to lend to business start-ups in a tax-friendly system

I'm looking for a wealthy muslim who wants to send an older man to hajj this year? Salam alaikum- My father in law is one of the most outstanding men you'll ever have the pleasure of meeting. He always gives 95 % of his money to people in need and has dreamt of going to hajj which is a paradise here on earth. My husband and I have been trying to save up, but I've become a stay at home mom now and it's impossible on 1 income. I am determined for my father in law sake to send him enough where i can make his dreams come true inshallah. We just aren't sure how much longer he has energy wise and life span wise to make this pilgrimage due to diabetes and other med. conditions. I'm not asking for a simple hand out eithier, as I'm more than capable working for it. Or if you have a business or an idea that i can make $ from home by that time pls pls pls let me know........... thanks for reading this and may allah bless you for even having the intention to want to help , but can't........

How can I deal with these people??? I NEED ADVICE!!!!? My husband and I live on a limited income. With me going to college full time, we cannot afford to get a place of our own. The rent we’re paying now is nothing compared to what some people are asking for a simple studio, and it makes it hard to find a place that’s pet friendly, close to college, close to my husband’s job and that fits our budget. I’ve tried speaking to the landlord about the tenants, but being as they’re all his Chinese friends and family, my complaints fall on deaf ears. (Mind you, these people moved in after us…) I wish more than anything that I could just get the hell out. NONE of them speak a word of English, the sheetrock in the kitchen has a ½ inch layer of grease from their horrendous cooking. They come home every night chattering on in their foreign language at decibels that could be heard over a thunderstorm. As they get home, you can almost time it… Door pops open and the person yells at the top of their lungs “CHIWA” (Whatever the hell that means…) Seriously, I can’t even think straight, nonetheless get my homework done when they come home. It doesn’t stop until almost midnight EVERY SINGLE NIGHT. They’ll put their TV on full volume (more Chinese chattering…) and then leave with the bedroom door OPEN and go take a shower or cook dinner. I’ve resorted to leaving the house when they get here because I can’t stand them anymore. Don’t get me wrong, I’m sure they’re great people, and I’ve lived here for 2 ½ years, but since they’ve all moved in, it’s been sheer torture. They’re completely disrespectful, nosey, rude and obnoxious. Oh, and nobody pays rent except for my husband and I… I know that’s none of my business, but leaving the “home” I pay for monthly just because they’re selfish slobs just doesn’t make any sense. I simply cannot afford another place. I’ll be paying almost double for a place that’s not even half the size. I need to find a way to deal with these people, because I’m going to go insane. If the landlord cared, it would be a different story, but the problem is incessant… Any advice is appreciated.

Due to the foreclosure crisis and credit crunch, how many of you are on the verge of becoming homeless? Or know someone or a bunch of someones' who already are? I know the government doesn't give a crap about the American people (otherwise--why are they trying to force us to eat a $700B bill to bail out the wealthy elite of Wall Street?), but how many of you know someone who will become homeless because of this crisis? Personally for myself, my wife and I are--yet...we never owned home. Being on fixed income and unable to successfully find work or go to back to college on our own terms, we thought we would be here in our apartment for awhile longer yet. We never once *thought* that we would be affected by the foreclosure crisis or the credit crunch this bad. But over the past several years, we both saw red flags and early warning signs that something bad was coming our way--and we started packing up our things and getting ready. Just in case. But the bottom fell out this year when housing would no longer allow me to continue pay over 40% of my fixed income. I was thinking, "2009 would be our last year here." But things came to a head a year earlier than planned. And while we were lucky to get a large enough storage unit for our things--we quickly discovered that we were priced *out* of any possible rental unit in the area. We simply had no money to barter, bargin with, or engage on--with any of the complexes in my immediate target range. Even going outside our area of residence proved to be a futile gesture. Rents were exploding by the wayside--up and up. To levels I've only heard about rumored in places like San Francisco and checked off in Seattle. (You know: The expensive *posh* rentals some of us can only dream of.) So...we found ourselves in a pickle. One that we quickly tied to what's going down nationally. As a result, we are going to be homeless in a matter of a week. Our credit checks came back dinged because we didn't think having such a low amount in collections (less than $500) would hurt our chances of securing even a 1-bedroom unit. We never dreamed that the credit crunch would sweep people like me up and hit me or my wife where it hurts the most. Not once. And because of the way the crisis is playing out, it may be several years before things start to moderate or even reverse itself--allowing us to get a place to live again. Because even the jobs we have these days aren't up to combatting the level of inflation and COL that has crippled the majority of us working Americans. Despite some of my friends and family-in-law's insistance that we find work--it's really bad timing. The jobs aren't strong enough to mount an effective attack on the outrageous asking prices for rent these days (they never were), and most don't carry basic health insurance. I normally didn't worry about that in the past, but now I have a reason to: I was diagnosed with a life-threatening genetic blood disorder only 2 years ago. A kind of blood cancer that altered my body's ability to properly clot itself properly without going into overdrive. The only way I can control my now over enthusiastic clotting factor is through blood-thinning medications. Which job do you know that would be able to cover me with autotomatic health coverage? So far, I haven't seen anyone who would. Most businesses health care plans kick in between 60 days after employment and 1 year. My window of viability is only measured in days--while my overall survability is 3-6 weeks. There would be no *way* I could last 2 months or a year without meds or access to a doctor. So getting a job for me has become challenging if not difficult now. For me and my wife, it's a simple choice: Get a job or die prematurely. Which is more important? I choose life over financial convenience. I have to. I have no choice in this matter. But I've been homeless before. And it's not because I haven't sought to better myself. Things just don't go the way you planned it. I've made some dumb mistakes and decisions--which cost me--but I've learned from my past errors. This one...I can plant firmly at the feet of our useless government. This crisis could've been *avoided* had the GOP and Bush just stuck to keeping certain institutions and Wall Street regulated and in check. But they chose to *remove* these safe guards in favor of greed, power, and the promise of more money. And now...? We are all paying for it. In way or another, we will ALL pay for this. As I've told you mine, what's your story? How are you being affected by this?

take the time to read this....then tell me what you think of the war? This was a very well thought out and excellently written explanation of what is happening. THE WAR Please take the time to read the essay below by Dr. Chong. It is without a doubt the most logical and well thought out piece I have read yet on the war on terror. This WAR is for REAL! Dr. Vernon Chong, Major General, USAF, Retired Tuesday, July 12, 2005. To get out of a difficulty, one usually must go through it. Our country is now facing the most serious threat to its existence, as we know it, that we have faced in your lifetime and mine (which includes WWII). The deadly seriousness is greatly compounded by the fact that there are very few of us who think we can possibly lose this war and even fewer who realize what losing really means. First, let's examine a few basics: 1. When did the threat to us start? Many will say September 11, 2001. The answer as far as the United States is concerned is 1979, 22 years prior to September 2001, with the following attacks on us: * Iran Embassy Hostages, 1979; * Beirut, Lebanon Embassy 1983; * Beirut, Lebanon Marine Barracks 1983; * Lockerbie, Scotland Pan-Am flight to New York 1988; * First New York World Trade Center attack 1993; * Dhahran, Saudi Arabia Khobar Towers Military complex 1996; * Nairobi, Kenya US Embassy 1998; * Dares Salaam, Tanzania US Embassy 1998; * Aden, Yemen USS Cole 2000; * New York World Trade Center 2001; * Pentagon 2001. (Note that during the period from 1981 to 2001 there were 7,581 terrorist attacks worldwide). 2. Why were we attacked? Envy of our position, our success, and our freedoms. The attacks happened during the administrations of Presidents Carter, Reagan, Bush 1, Clinton and Bush 2. We cannot fault either the Republicans or Democrats as there were no provocations by any of the presidents or their immediate predecessors, Presidents Ford or Carter. 3. Who were the attackers? In each case, the attacks on the US were carried out by Muslims. 4. What is the Muslim population of the World? 25%. 5. Isn't the Muslim Religion peaceful? Hopefully, but that is really not material. There is no doubt that the predominately Christian population of Germany was peaceful, but under the dictatorial leadership of Hitler (who was also Christian), that made no difference. You either went along with the administration or you were eliminated. There were 5 to 6 million Christians killed by the Nazis for political reasons (including 7,000 Polish priests). (see http://www.nazis.testimony.co.uk/7-a.htm... Thus, almost the same number of Christians were killed by the Nazis, as the six million holocaust Jews who were killed by them, and we seldom heard of anything other than the Jewish atrocities. Although Hitler kept the world focused on the Jews, he had no hesitancy about killing anyone who got in his way of exterminating the Jews or of taking over the world - German, Christian or any others. Same with the Muslim terrorists. They focus the world on the US, but kill all in the way -- their own people or the Spanish, French or anyone else. The point here is that just like the peaceful Germans were of no protection to anyone from the Nazis, no matter how many peaceful Muslims there may be, they are no protection for us from the terrorist Muslim leaders and what they are fanatically bent on doing -- by their own pronouncements -- killing all of us "infidels." I don't blame the peaceful Muslims. What would you do if the choice was shut up or die? 6. So who are we at war with? There is no way we can honestly respond that it is anyone other than the Muslim terrorists. Trying to be politically correct and avoid verbalizing this conclusion can well be fatal. There is no way to win if you don't clearly recognize and articulate who you are fighting. So with that background, now to the two major questions: 1. Can we lose this war? 2. What does losing really mean? If we are to win, we must clearly answer these two pivotal questions. We can definitely lose this war, and as anomalous as it may sound, the major reason we can lose is that so many of us simply do not fathom the answer to the second question - What does losing mean? It would appear that a great many of us think that losing the war means hanging our heads, bringing the troops home and going on about our business, like post Vietnam. This is as far from the truth as one can get. What losing really means is: We would no longer be the premier country in the world. The attacks will not subside, but rather will steadily increase. Remember, they want us dead, not just quiet. If they had just wanted us quiet, they would not have produced an increasing series of attacks against us, over the past 18 years. The plan was clearly, for terrorists to attack us, until we were neutered and submissive to them. We would of course have no future support from other nations, for fear of reprisals and for the reason that they would see, we are impotent and cannot help them. They will pick off the other non-Muslim nations, one at a time. It will be increasingly easier for them. They already hold Spain hostage. It doesn't matter whether it was right or wrong for Spain to withdraw its troops from Iraq. Spain did it because the Muslim terrorists bombed their train and told them to withdraw the troops. Anything else they want Spain to do will be done. Spain is finished. The next will probably be France. Our one hope on France is that they might see the light and realize that if we don't win, they are finished too, in that they can't resist the Muslim terrorists without us. However, it may already be too late for France. France is already 20% Muslim and fading fast! If we lose the war, our production, income, exports and way of life will all vanish as we know it. After losing, who would trade or deal with us, if they were threatened by the Muslims. If we can't stop the Muslims, how could anyone else? The Muslims fully know what is riding on this war, and therefore are completely committed to winning, at any cost. We better know it too and be likewise committed to winning at any cost. Why do I go on at such lengths about the results of losing? Simple. Until we recognize the costs of losing, we cannot unite and really put 100% of our thoughts and efforts into winning. And it is going to take that 100% effort to win. So, how can we lose the war? Again, the answer is simple. We can lose the war by "imploding." That is, defeating ourselves by refusing to recognize the enemy and their purpose, and really digging in and lending full support to the war effort. If we are united, there is no way that we can lose. If we continue to be divided, there is no way that we can win! Let me give you a few examples of how we simply don't comprehend the life and death seriousness of this situation. President Bush selects Norman Mineta as Secretary of Transportation. Although all of the terrorist attacks were committed by Muslim men between 17 and 40 years of age, Secretary Mineta refuses to allow profiling. Does that sound like we are taking this thing seriously? This is war! For the duration, we are going to have to give up some of the civil rights we have become accustomed to. We had better be prepared to lose some of our civil rights temporarily or we will most certainly lose all of them permanently. And don't worry that it is a slippery slope. We gave up plenty of civil rights during WWII, and immediately restored them after the victory and in fact added many more since then. Do I blame President Bush or President Clinton before him? No, I blame us for blithely assuming we can maintain all of our Political Correctness, and all of our civil rights during this conflict and have a clean, lawful, honorable war. None of those words apply to war. Get them out of your head. Some have gone so far in their criticism of the war and/or the Administration that it almost seems they would literally like to see us lose. I hasten to add that this isn't because they are disloyal. It is because they just don't recognize what losing means. Nevertheless, that conduct gives the impression to the enemy that we are divided and weakening. It concerns our friends, and it does great damage to our cause. Of more recent vintage, the uproar fueled by the politicians and media regarding the treatment of some prisoners of war, perhaps exemplifies best what I am saying. We have recently had an issue, involving the treatment of a few Muslim prisoners of war, by a small group of our military police. These are the type prisoners who just a few months ago were throwing their own people off buildings, cutting off their hands, cutting out their tongues and otherwise murdering their own people just for disagreeing with Saddam Hussein. And just a few years ago these same type prisoners chemically killed 400,000 of their own people for the same reason. They are also the same type of enemy fighters, who recently were burning Americans, and dragging their charred corpses through the streets of Iraq. And still more recently, the same type of enemy that was and is providing videos to all news sources internationally, of the beheading of American prisoners they held. Compare this with some of our press and politicians, who for several days have thought and talked about nothing else but the "humiliating" of some Muslim prisoners -- not burning them, not dragging their charred corpses through the streets, not beheading them, but "humiliating" them. Can this be for real? The politicians and pundits have even talked of impeachment of the Secretary of Defense. If this doesn't show the complete lack of comprehension and understanding of the seriousness of the enemy we are fighting, the life and death struggle we are in and the disastrous results of losing this war, nothing can. To bring our country to a virtual political standstill over this prisoner issue makes us look like Nero playing his fiddle as Rome burned -- totally oblivious to what is going on in the real world. Neither we, nor any other country, can survive this internal strife. Again I say, this does not mean that some of our politicians or media people are disloyal. It simply means that they are absolutely oblivious to the magnitude of the situation we are in, and into which the Muslim terrorists have been pushing us, for many years. Remember, the Muslim terrorists stated goal is to kill all infidels! That translates into ALL non-Muslims -- not just in the United States, but throughout the world. We are the last bastion of defense. We have been criticized for many years as being 'arrogant.' That charge is valid in at least one respect. We are arrogant in that we believe that we are so good, powerful and smart, that we can win the hearts and minds of all those who attack us, and that with both hands tied behind our back, we can defeat anything bad in the world! We can't! If we don't recognize this, our nation as we know it will not survive, and no other free country in the world will survive if we are defeated. And finally, name any Muslim countries throughout the world that allow freedom of speech, freedom of thought, freedom of religion, freedom of the press, equal rights for anyone -- let alone everyone, equal status or any status for women, or that have been productive in one single way that contributes to the good of the world. This has been a long way of saying that we must be united on this war or we will be equated in the history books to the self-inflicted fall of the Roman Empire. If, that is, the Muslim leaders will allow history books to be written or read. If we don't win this war right now, keep a close eye on how the Muslims take over France in the next 5 years or less. They will continue to increase the Muslim population of France and continue to encroach little by little, on the established French traditions. The French will be fighting among themselves, over what should or should not be done, which will continue to weaken them and keep them from any united resolve. Doesn't that sound eerily familiar? Democracies don't have their freedoms taken away from them by some external military force. Instead, they give their freedoms away, politically correct piece by politically correct piece. And they are giving those freedoms away to those who have shown, worldwide that they abhor freedom and will not apply it to you or even to themselves, once they are in power. They have universally shown that when they have taken over, they then start brutally killing each other over who will be the few who control the masses. Will we ever stop hearing from the politically correct, about the "peaceful Muslims"? I close on a hopeful note, by repeating what I said above. If we are united, there is no way that we can lose. I hope the factions in our country will begin to focus on the critical situation we are in, and will unite to save our country. It is your future we are talking about! Do whatever you can to preserve it. After reading the above, we all must do this not only for ourselves, but our children, our grandchildren, our country and the world. Whether Democrat or Republican, conservative or liberal and that includes the Politicians and media of our country and the free world everything on here is the truth...they have been attacking us since 1979!

Are you willing to give it up? If you would like information on General Chong, go to Google and type in his name (Major General Vernon Chong). All of the following is something that everyone should read. This WAR is for REAL! To get out of a difficulty, one usually must go through it. Our country is now facing the most serious threat to its existence, as we know it, that we have faced in your lifetime and mine (which includes WWII). The deadly seriousness is greatly compounded by the fact that there are very few of us who think we can possibly lose this war and even fewer who realize what losing really means. First, let's examine a few basics: 1. When did the threat to us start? Many will say September 11, 2001. The answer as far as the United States is concerned is 1979, 22 years prior to September 2001, with the following attacks on us: * Iran Embassy Hostages, 1979; * Beirut, Lebanon Embassy 1983; * Beirut, Lebanon Marine Barracks 1983; * Lockerbie, Scotland Pan-Am flight to New York 1988; * First New York World Trade Center attack 1993; * Dhahran, Saudi Arabia Khobar Towers Military complex 1996; * Nairobi, Kenya US Embassy 1998; * Dares Salaam, Tanzania US Embassy 1998; * Aden, Yemen USS Cole 2000; * New York World Trade Center 2001; * Pentagon 2001. (Note that during the period from 1981 to 2001 there were 7,581 terrorist attacks worldwide). 2. Why were we attacked? Envy of our position, our success, and our freedoms. The attacks happened during the administrations of Presidents Carter, Reagan, Bush 1, Clinton and Bush 2. We cannot fault either the Republicans, or Democrats as there were no provocations by any of the Presidents or their immediate predecessors, Presidents Ford or Carter. 3. Who were the attackers? In each case, the attacks on the US were carried out by Muslims. 4. What is the Muslim population of the World? 25%. 5. Isn't the Muslim Religion peaceful? Hopefully, but that is really not material. There is no doubt that the predominately Christian population of Germany was peaceful, but under the dictatorial leadership of Hitler (who was also Christian), that made no difference. You either went along with the administration or you were eliminated. There were 5 to 6 million Christians killed by the Nazis for political reasons (including 7,000 Polish priests). (see http://www.nazis.testimony.co.uk/7-a.htm ) Thus, almost the same number of Christians were killed by the Nazis, as the six million holocaust Jews who were killed by them, and we seldom heard of anything other than the Jewish atrocities. Although Hitler kept the world focused on the Jews, he had no hesitancy about killing anyone who got in his way of exterminating the Jews, or of taking over the world - German, Christian, or any others. Same with the Muslim terrorists. They focus the world on the US, but kill all in the way -- their own people, or the Spanish, French or anyone else. The point here is that just like the peaceful Germans were of no protection to anyone from the Nazis, no matter how many peaceful Muslims there may be, they are no protection for us from the terrorist Muslim leaders and what they are fanatically bent on doing -- by their own pronouncements -- killing all of us "infidels." I don't blame the peaceful Muslims. What would you do if the choice was shut up or die? 6. So who are we at war with? There is no way we can honestly respond that it is anyone other than the Muslim terrorists. Trying to be politically correct and avoid verbalizing this conclusion can well be fatal. There is no way to win if you don't clearly recognize and articulate who you are fighting. So with that background, now to the two major questions: 1. Can we lose this war? 2. What does losing really mean? If we are to win, we must clearly answer these two pivotal questions. We can definitely lose this war, and as anomalous as it may sound, the major reason we can lose is that so many of us simply do not fathom the answer to the second question - What does losing mean? It would appear that a great many of us think that losing the war means hanging our heads, bringing the troops home and going on about our business, like post Vietnam. This is as far from the truth as one can get. What losing really means is: We would no longer be the premier country in the world. The attacks will not subside, but rather will steadily increase. Remember, they want us dead, not just quiet. If they had just wanted us quiet, they would not have produced an increasing series of attacks against us, over the past 18 years. The plan was clearly for terrorist to attack us until we were neutered and submissive to them. We would of course have no future support from other nations, for fear of reprisals and for the reason that they would see, we are impotent and cannot help them. They will pick off the other non-Muslim nations, one at a time. It will be increasingly easier for them. They already hold Spain hostage. It doesn't matter whether it was right or wrong for Spain to withdraw its troops from Iraq. Spain did it because the Muslim terrorists bombed their trains and told them to withdraw the troops. Anything else they want Spain to do will be done. Spain is finished. The next will probably be France. Our one hope on France is that they might see the light and realize that if we don't win, they are finished too, in that they can't resist the Muslim terrorists without us. However, it may already be too late for France. France is already 20% Muslim and fading fast! If we lose the war, our production, income, exports and way of life will all vanish as we know it. After losing, who would trade or deal with us, if they were threatened by the Muslims. If we can't stop the Muslims, how could anyone else? The Muslims fully know what is riding on this war, and therefore are completely committed to winning, at any cost. We better know it too, and be likewise committed to winning at any cost. Why do I go on at such lengths about the results of losing? Simple. Until we recognize the costs of losing, we cannot unite and really put 100% of our thoughts and efforts into winning. And it is going to take that 100% effort to win. So, how can we lose the war? Again, the answer is simple. We can lose the war by "imploding." That is, defeating ourselves by refusing to recognize the enemy and their purpose, and really digging in and lending full support to the war effort. If we are united, there is no way that we can lose. If we continue to be divided, there is no way that we can win! Let me give you a few examples of how we simply don't comprehend the life and death seriousness of this situation. President Bush selects Norman Mineta as Secretary of Transportation. Although all of the terrorist attacks were committed by Muslim men between 17 and 40 years of age, Secretary Mineta refuses to allow profiling. Does that sound like we are taking this thing seriously? This is war! For the duration, we are going to have to give up some of the civil rights we have become accustomed to. We had better be prepared to lose some of our civil rights temporarily, or we will most certainly lose all of them permanently. And don't worry that it is a slippery slope. We gave up plenty of civil rights during WWII, and immediately restored them after the victory, and in fact added many more since then. Do I blame President Bush, or President Clinton before him? No, I blame us for blithely assuming we can maintain all of our Political Correctness, and all of our civil rights during this conflict and have a clean, lawful, honorable war. None of those words apply to war. Get them out of your head. Some have gone so far in their criticism of the war and/or the Administration that it almost seems they would literally like to see us lose. I hasten to add that this isn't because they are disloyal. It is because they just don't recognize what losing means. Nevertheless, that conduct gives the impression to the enemy that we are divided and weakening. It concerns our friends, and it does great damage to our cause. Of more recent vintage, the uproar fueled by the politicians and media regarding the treatment of some prisoners of war, perhaps exemplifies best what I am saying. We have recently had an issue, involving the treatment of a few Muslim prisoners of war, by a small group of our military police. These are the type prisoners who just a few months ago were throwing their own people off buildings, cutting off their hands, cutting out their tongues, and otherwise murdering their own people just for disagreeing with Saddam Hussein. And just a few years ago these same type prisoners chemically killed 400,000 of their own people for the same reason. They are also the same type enemy fighters, who recently were burning Americans, and dragging their charred corpses through the streets of Iraq. And still more recently, the same type of enemy that was, and is providing videos to all news sources internationally, of the beheading of American prisoners they held. Compare this with some of our press and politicians, who for several days have thought and talked about nothing else but the "humiliating" of some Muslim prisoners -- not burning them, not dragging their charred corpses through the streets, not beheading them, but "humiliating" them. Can this be for real? The politicians and pundits have even talked of impeachment of the Secretary of Defense. If this doesn't show the complete lack of comprehension and understanding of the seriousness of the enemy we are fighting, the life and death struggle we are in, and the disastrous results of losing this war, nothing can. To bring our country to a virtual political standstill over this prisoner issue makes us look like Nero playing his fiddle as Rome burned -- totally oblivious to what is going on in the real world. Neither we, nor any other country, can survive this internal strife. Again I say, this does not mean that some of our politicians or media people are disloyal. It simply means that they are absolutely oblivious to the magnitude, of the situation we are in, and into which the Muslim terrorists have been pushing us, for many years. Remember, the Muslim terrorists stated goal is to kill all infidels! That translates into ALL non-Muslims -- not just in the United States, but throughout the world. We are the last bastion of defense. We have been criticized for many years as being 'arrogant.' That charge is valid in at least one respect. We are arrogant in that we believe that we are so good, powerful and smart, that we can win the hearts and minds of all those who attack us, and that with both hands tied behind our back, we can defeat anything bad in the world! We can't! If we don't recognize this, our nation as we know it will not survive, and no other free country in the world will survive if we are defeated. And finally, name any Muslim countries throughout the world that allow freedom of speech, freedom of thought, freedom of religion, freedom of the press, equal rights for anyone -- let alone everyone, equal status or any status for women, or that have been productive in one single way that contributes to the good of the world. This has been a long way of saying that we must be united on this war or we will be equated in the history books to the self-inflicted fall of the Roman Empire. If, that is, the Muslim leaders will allow history books to be written, or read. If we don't win this war right now, keep a close eye on how the Muslims take over France in the next 5 years, or less. They will continue to increase the Muslim population of France, and continue to encroach little by little, on the established French traditions. The French will be fighting among themselves, over what should or should not be done, which will continue to weaken them, and keep them from any united resolve. Doesn't that sound eerily familiar? Democracies don't have their freedoms taken away from them by some external military force. Instead, they give their freedoms away, politically correct piece by politically correct piece. And they are giving those freedoms away to those who have shown worldwide, that they abhor freedom, and will not apply it to you, or even to themselves, once they are in power. They have universally shown that when they have taken over, they then start brutally killing each other over who will be the few who control the masses. Will we ever stop hearing from the politically correct, about the "peaceful Muslims"? I close on a hopeful note, by repeating what I said above. If we are united, there is no way that we can lose. I hope now after the election, the factions in our country will begin to focus on the critical situation we are in, and will unite to save our country. It is your future we are talking about! Do whatever you can to preserve it. After reading the above, we all must do this not only for ourselves, but our children, our grandchildren, our country, and the world. Whether Democrat, or Republican, conservative, or liberal, and that includes the Politicians and media of our country and the free world! Please forward this to any you feel may want, or NEED to read it. Our "leaders" in Congress ought to read it, too. There are those that find fault with our country, but it is obvious to anyone who truly thinks through this, that we must UNITE!

Does this mean Jesus is about to Come? THE WAR Please take the time to read the essay below by Dr. Chong. It is without a doubt the most articulate and convincing writing I have read regarding the War in Iraq. If you have any doubts please open your mind to his essay and give it a fair evaluation. I had no idea who Dr. Chong is or the source of these thoughts... so when I received them, I almost deleted them - as well-written as they are. But then I did a "Google search" on the Doctor and found him to be a retired Air Force Surgeon of all things and past Commander of Wilford Hall Medical Center in San Antonio. So he is real, is connected to Veterans affairs in California, and these are his thoughts. This WAR is for REAL! Dr. Vernon Chong, Major General, USAF, Retired Tuesday, July 12, 2005. To get out of a difficulty, one usually must go through it. Our country is now facing the most serious threat to its existence, as we know it, that we have faced in your lifetime and mine (which includes WWII). The deadly seriousness is greatly compounded by the fact that there are very few of us who think we can possibly lose this war and even fewer who realize what losing really means. First, let's examine a few basics: 1. When did the threat to us start? Many will say September 11, 2001. The answer as far as the United States is concerned is 1979, 22 years prior to September 2001, with the following attacks on us: * Iran Embassy Hostages, 1979; * Beirut, Lebanon Embassy 1983; * Beirut, Lebanon Marine Barracks 1983; * Lockerbie, Scotland Pan-Am flight to New York 1988; * First New York World Trade Center attack 1993; * Dhahran, Saudi Arabia Khobar Towers Military complex 1996; * Nairobi, Kenya US Embassy 1998; * Dares Salaam, Tanzania US Embassy 1998; * Aden, Yemen USS Cole 2000; * New York World Trade Center 2001; * Pentagon 2001. (Note that during the period from 1981 to 2001 there were 7,581 terrorist attacks worldwide). 2. Why were we attacked? Envy of our position, our success, and our freedoms. The attacks happened during the administrations of Presidents Carter, Reagan, Bush 1, Clinton and Bush 2. We cannot fault either the Republicans or Democrats as there were no provocations by any of the presidents or their immediate predecessors, Presidents Ford or Carter. 3. Who were the attackers? In each case, the attacks on the US were carried out by Muslims. 4. What is the Muslim population of the World? 25%. 5. Isn't the Muslim Religion peaceful? Hopefully, but that is really not material. There is no doubt that the predominately Christian population of Germany was peaceful, but under the dictatorial leadership of Hitler (who was also Christian), that made no difference. You either went along with the administration or you were eliminated. There were 5 to 6 million Christians killed by the Nazis for political reasons (including 7,000 Polish priests). (see http://www.nazis.testimony.co.uk/7-a.htm Thus, almost the same number of Christians were killed by the Nazis, as the six million holocaust Jews who were killed by them, and we seldom heard of anything other than the Jewish atrocities. Although Hitler kept the world focused on the Jews, he had no hesitancy about killing anyone who got in his way of exterminating the Jews or of taking over the world - German, Christian or any others. Same with the Muslim terrorists. They focus the world on the US, but kill all in the way -- their own people or the Spanish, French or anyone else. The point here is that just like the peaceful Germans were of no protection to anyone from the Nazis, no matter how many peaceful Muslims there may be, they are no protection for us from the terrorist Muslim leaders and what they are fanatically bent on doing -- by their own pronouncements -- killing all of us "infidels." I don't blame the peaceful Muslims. What would you do if the choice was shut up or die? 6. So who are we at war with? There is no way we can honestly respond that it is anyone other than the Muslim terrorists. Trying to be politically correct and avoid verbalizing this conclusion can well be fatal. There is no way to win if you don't clearly recognize and articulate who you are fighting. So with that background, now to the two major questions: 1. Can we lose this war? 2. What does losing really mean? If we are to win, we must clearly answer these two pivotal questions. We can definitely lose this war, and as anomalous as it may sound, the major reason we can lose is that so many of us simply do not fathom the answer to the second question - What does losing mean? It would appear that a great many of us think that losing the war means hanging our heads, bringing the troops home and going on about our business, like post Vietnam. This is as far from the truth as one can get. What losing really means is: We would no longer be the premier country in the world. The attacks will not subside, but rather will steadily increase. Remember, they want us dead, not just quiet. If they had just wanted us quiet, they would not have produced an increasing series of attacks against us, over the past 18 years. The plan was clearly, for terrorists to attack us, until we were neutered and submissive to them. We would of course have no future support from other nations, for fear of reprisals and for the reason that they would see, we are impotent and cannot help them. They will pick off the other non-Muslim nations, one at a time. It will be increasingly easier for them. They already hold Spain hostage. It doesn't matter whether it was right or wrong for Spain to withdraw its troops from Iraq. Spain did it because the Muslim terrorists bombed their train and told them to withdraw the troops. Anything else they want Spain to do will be done. Spain is finished. The next will probably be France. Our one hope on France is that they might see the light and realize that if we don't win, they are finished too, in that they can't resist the Muslim terrorists without us. However, it may already be too late for France. France is already 20% Muslim and fading fast! If we lose the war, our production, income, exports and way of life will all vanish as we know it. After losing, who would trade or deal with us, if they were threatened by the Muslims. If we can't stop the Muslims, how could anyone else? The Muslims fully know what is riding on this war, and therefore are completely committed to winning, at any cost. We better know it too and be likewise committed to winning at any cost. Why do I go on at such lengths about the results of losing? Simple. Until we recognize the costs of losing, we cannot unite and really put 100% of our thoughts and efforts into winning. And it is going to take that 100% effort to win. So, how can we lose the war? Again, the answer is simple. We can lose the war by "imploding." That is, defeating ourselves by refusing to recognize the enemy and their purpose, and really digging in and lending full support to the war effort. If we are united, there is no way that we can lose. If we continue to be divided, there is no way that we can win! Let me give you a few examples of how we simply don't comprehend the life and death seriousness of this situation. President Bush selects Norman Mineta as Secretary of Transportation. Although all of the terrorist attacks were committed by Muslim men between 17 and 40 years of age, Secretary Mineta refuses to allow profiling. Does that sound like we are taking this thing seriously? This is war! For the duration, we are going to have to give up some of the civil rights we have become accustomed to. We had better be prepared to lose some of our civil rights temporarily or we will most certainly lose all of them permanently. And don't worry that it is a slippery slope. We gave up plenty of civil rights during WWII, and immediately restored them after the victory and in fact added many more since then. Do I blame President Bush or President Clinton before him? No, I blame us for blithely assuming we can maintain all of our Political Correctness, and all of our civil rights during this conflict and have a clean, lawful, honorable war. None of those words apply to war. Get them out of your head. Some have gone so far in their criticism of the war and/or the Administration that it almost seems they would literally like to see us lose. I hasten to add that this isn't because they are disloyal. It is because they just don't recognize what losing means. Nevertheless, that conduct gives the impression to the enemy that we are divided and weakening. It concerns our friends, and it does great damage to our cause. Of more recent vintage, the uproar fueled by the politicians and media regarding the treatment of some prisoners of war, perhaps exemplifies best what I am saying. We have recently had an issue, involving the treatment of a few Muslim prisoners of war, by a small group of our military police. These are the type prisoners who just a few months ago were throwing their own people off buildings, cutting off their hands, cutting out their tongues and otherwise murdering their own people just for disagreeing with Saddam Hussein. And just a few years ago these same type prisoners chemically killed 400,000 of their own people for the same reason. They are also the same type of enemy fighters, who recently were burning Americans, and dragging their charred corpses through the streets of Iraq. And still more recently, the same type of enemy that was and is providing videos to all news sources internationally, of the beheading of American prisoners they held. Compare this with some of our press and politicians, who for several days have thought and talked about nothing else but the "humiliating" of some Muslim prisoners -- not burning them, not dragging their charred corpses through the streets, not beheading them, but "humiliating" them. Can this be for real? The politicians and pundits have even talked of impeachment of the Secretary of Defense. If this doesn't show the complete lack of comprehension and understanding of the seriousness of the enemy we are fighting, the life and death struggle we are in and the disastrous results of losing this war, nothing can. To bring our country to a virtual political standstill over this prisoner issue makes us look like Nero playing his fiddle as Rome burned -- totally oblivious to what is going on in the real world. Neither we, nor any other country, can survive this internal strife. Again I say, this does not mean that some of our politicians or media people are disloyal. It simply means that they are absolutely oblivious to the magnitude of the situation we are in, and into which the Muslim terrorists have been pushing us, for many years. Remember, the Muslim terrorists stated goal is to kill all infidels! That translates into ALL non-Muslims -- not just in the United States, but throughout the world. We are the last bastion of defense. We have been criticized for many years as being 'arrogant.' That charge is valid in at least one respect. We are arrogant in that we believe that we are so good, powerful and smart, that we can win the hearts and minds of all those who attack us, and that with both hands tied behind our back, we can defeat anything bad in the world! We can't! If we don't recognize this, our nation as we know it will not survive, and no other free country in the world will survive if we are defeated. And finally, name any Muslim countries throughout the world that allow freedom of speech, freedom of thought, freedom of religion, freedom of the press, equal rights for anyone -- let alone everyone, equal status or any status for women, or that have been productive in one single way that contributes to the good of the world. This has been a long way of saying that we must be united on this war or we will be equated in the history books to the self-inflicted fall of the Roman Empire. If, that is, the Muslim leaders will allow history books to be written or read. If we don't win this war right now, keep a close eye on how the Muslims take over France in the next 5 years or less. They will continue to increase the Muslim population of France and continue to encroach little by little, on the established French traditions. The French will be fighting among themselves, over what should or should not be done, which will continue to weaken them and keep them from any united resolve. Doesn't that sound eerily familiar? Democracies don't have their freedoms taken away from them by some external military force. Instead, they give their freedoms away, politically correct piece by politically correct piece. And they are giving those freedoms away to those who have shown, worldwide that they abhor freedom and will not apply it to you or even to themselves, once they are in power. They have universally shown that when they have taken over, they then start brutally killing each other over who will be the few who control the masses. Will we ever stop hearing from the politically correct, about the "peaceful Muslims"? I close on a hopeful note, by repeating what I said above. If we are united, there is no way that we can lose. I hope the factions in our country will begin to focus on the critical situation we are in, and will unite to save our country. It is your future we are talking about! Do whatever you can to preserve it. After reading the above, we all must do this not only for ourselves, but our children, our grandchildren, our country and the world. Whether Democrat or Republican, conservative or liberal and that includes the Politicians and media of our country and the free world! Please forward this to any you feel may want, or NEED to read it. Our "leaders" in Congress ought to read it, too. There are those that find fault with our country, but it is obvious to anyone who truly thinks through this, that we must UNITE, share our concerns and hold the blind accountable for misleading the masses! If you would like to see who this fellow is go to this Air Force web sight and look him up. http://www.af.mil/bios/bio.asp?bioID=5000

hey i need help my grammer? Design Coffee Shop will begin operations in July 2009. Plans also include undertaking a small expansion with 6-8 months of beginning operations." Brief outline of your business concept: Design coffee shop is company involved more greatest the originally coffee shop It providing graphic design and marketing communication services. it not provide big business . It just likes a small business Every day, millions of Americans wanted to sit down and enjoy the smell cup of coffee and lay back & see the background artwork from graphic design artist. "A person had dreamed to spend more than 50 cents for a cup of coffee. A few years, now they glad to pay $1 to $4 for their cappuccino, mocha latte or vanilla ice blended drink The specialty-coffee business is growing at a healthy pace. The completive the Starbucks, The Coffee Bean, Pet’s, Dietrich’s and other major chains serve average quality drinks in establishments that have the same generic design appearance. Indeed, Starbucks and The Coffee Bean are often referred to as "fast food" coffeehouses due to their "cookie cutter" design. Now that Americans' coffee preferences have broadened and matured, many are asking for more from their design coffee shop Vision and Mission Statement The design coffee shop will become the more like small museum. We will serve a perfect product at a very competitve price We will also be a meeting place for graphic design artists and a place for them to show off their work. We will create an atmosphere conducive to creative expression and promote the creative process. Our primary goals over the next year are: 1. Secure financing for start-up of at least $1,000 for space and equipment. 2. Renovate our space in San Berniorndio. 3. Acquire equipment necessary for business, i.e. coffee pot, cappuccino machines, blenders, etc. 4. Make agreement with coffee distributors, and bakery vendors. 5. Create a cozy, artist friendly environment (i.e. choice of colors, choice of music, decor) 6. Open for business and become the foremost coffeehouse in the area. MARKET OPPORTUNITY Ownership The Design coffee shop is a general partnership between Lisa and Sandy Mason. Each partner is equally financial involvement in operation and management of the shop, each to her own abilities. Location and Facilities The Design coffee shop is located in the Old Town section of San Bernardino, California. We currently own the building we will occupy, though painting and renovation are sorely needed. Products and Services Description of Products and Services The Design coffee shop will offer high quality coffee, tea, hot coca, and cappuccino, at a very reasonable price. we also buy cooking from other store. Key Features of the Products and Services All drinks will be made with filtered water and the highest quality ingredients we can get. Frozen drinks will have caramel or chocolate syrup drizzled in the glass and over the drink. Cappuccino and hot coca will have whipped cream toppings as well as the option for candy sprinkles. Cookies will have the option of a chocolate or caramel dip and sprinkles. We will offer designer flavored cream and five kinds of sweetener, i.e. sugar, honey, Equal, Splenda, and Sweet-n-Low. Cream and sweetener is at no extra charge. Production of Products and Services We will use only filtered water and will brew our coffee in commercial coffeepots that will be thoroughly cleaned between uses. Future Products and Services Within the next three to five years we expect to branch out into catering and offer homemade pies, whole or by the slice. Comparative Advantages in Production Our low overhead and cheaper pricing will be the key to our success. Industry Overview Market Research There are other businesses that serve only coffee in our Old Town. Size of the Industry Nationally, the coffee shop industry is quite large, but in somewhere, there are more. Key Industry Trends This industry is booming at the present time, there is a trend toward small cozy places and away from the large generic chain. Industry Outlook The coffee business does not show signs of slowing down. With new innovations such as flavorings and additives, it should continue for some time. Marketing Strategy Target Markets Our target market is a artist and writers who need a nice quite cozy place to think and do their work. Description of Key Competitors Of the three coffee shops in the area, one is a large chain with a very expensive product, one is really a home-style restaurant, the last one, and our biggest competitor is an antique store with a "tea room". Analysis of Competitive Position Our pricing strategy and comfortable atmosphere will be the key to our success. None of the other shops in the area can offer this. Pricing Strategy We will offer three sizes of drinks, small $1.00, medium $1.50 and large $2.00. Our cookies and brownies will sell for $1.00 each Promotion Strategy We intend to advertise in the local newspapers and offer a "frequent drinkers club" discount to our best customers. We will also send out ads via direct mail, which will include cents off coupons. Management and Staffing Organizational Structure Our organizational structure will be a simple pyramid style with the owners putting in as much work as the employees. Pyrimid a tall hierarchical structure, in other words, then I would be the boss, with a general manager working as your employee, who has a team, that on its turn supervises the employees. I think I mean a Flat structure (with the owners being “one of the guys”) Management Team April and Arlene will share management and supervisory responsibilities equally. Arlene for the morning shift. April for the afternoon shift. Staffing We will hire two busboys and two waitresses; these will be recruited from the local high school. Labor Market Issues In this area there are many high school students looking for work, part time or full time, we want to fill that need. Market Risks The main risk is monetary. The area may not be ready for a place like ours and we may not do a great business. Implementation Plan Implementation Activities and Dates . Complete renovation 2/15/09 Purchase and set up equipment Interview staff Hire staff 3. Begin preliminary advertising 2/15/09 (Not yet) Operate for 1 week unannounced (to get the kinks out, people notice "new" businesses, word of mouth will get out there, be ready) Notify local newspaper your grand opening will be (no advertising cost, you'll be swamped!) 4. Purchase and setup equipment 2/15/09 (This is mentioned above.) 5. Open for business 7/1/09 Financial Plan Balance Sheet Current Assets: Building $150,000 5 computer $ Furnishings $5,000 if I go for a good atmosphere, you’ll need more than that probably, unless you get money from the government (you are promoting culture in the end!) Equipment $1,000 Cash Arlene $5,000 April $4,500 Accounts Receivable None Inventory Coffee $1,000 Tea $500 Other Assets Cups $3,000 Total Current Assets $182,800 Liabilities: Accounts Payable (monthly) Water $200 Phone $150 Electric $500 Donut Vendor $1,000 Warehouse Club $1,000 Coffee Distributor $1,000 Wages $5,000 Advertising $1,000 Taxes Payable Property Taxes $500 Employee Taxes $2,000 Operating Loans Payable Startup Loan $500 Printer $ 97 Total Liabilities $12,947 on going per month Projected Income March 05 Coffee $6,000 Tea $2,000 Cookies $1,500 Donuts $2,500 Misc. $4,000 Total Income for March $16,000 Total Projected Net Profit (Cost/Benefit) $3,150 for March This would assume 20 pots of coffee sold a day, plus an assortment of other items. This also assumes the market will not increase or decrease due to weather or economics. This would be an average month.

Find work online? Dear All I would like to know if any of you gusy know of some idea of how an individual can work at home. I've been searching the net for a while now and constantly I'm reading that you canm easily from at home. However when it comes to real practice, this seems not to be that simple. I would like to grab some easy ideas how you can start working from home e.g. starting you own business with the minimal costs. Seems that ever idea is taken and the net is running short of new knowhow. For those of you who are thinking that I'm after a ge rich quick scheems, I'm not. I'm intereste in easy, straight forward and realy methods/ideas which can yeal some extra income. Also such ideas must be available in our country. Please note that my country (Malta) is quite a small islan with a very limited resourcse when compared to other countries. Many ideas which are successful, simply may not work in may country especially when it comes to payment method. Personally I prefere PayPal payments method

Please Read This--General Chong..Comments please..? The General Has is Right! I had no idea who General Chong is or the source of these thoughts... so when I received them, I almost deleted them - as well-written as they are. But then I did "Google and USA Today" searches on the General and found him to be a retired Air Force Surgeon of all things and past Commander of Wilford Hall Medical Center in San Antonio. So he is real, is connected to Veterans affairs, and these are his thoughts. They are worth reading and thinking about!! (the same Google search will direct you to some of his other thought-provoking writings.) [See MG (Dr) Vernon Chong Biographical Data at: http://www.af.mil/bios/bio.asp?bioID=5000 MG Vernon Chong, USAFR forwarded: ********************************************************************************************** This WAR is for REAL! To get out of a difficulty, one usually must go through it. Our country is now facing the most serious threat to its existence, as we know it, that we have faced in your lifetime and mine (which includes WWII). The deadly seriousness is greatly compounded by the fact that there are very few of us who think we can possibly lose this war and even fewer who realize what losing really means. First, let's examine a few basics: 1. When did the threat to us start? Many will say -September 11, 2001. The answer as far as the United States is concerned is 1979, 22 years prior to September 2001, with the following attacks on us: * Iran Embassy Hostages, 1979; * Beirut, Lebanon Embassy 1983; * Beirut, Lebanon Marine Barracks 1983; * Lockerbie, Scotland Pan-Am flight to New York 1988; * First New York World Trade Center attack 1993; * Dhahran, Saudi Arabia Khobar Towers Military complex 1996; * Nairobi, Kenya US Embassy 1998; * Dares Salaam, Tanzania US Embassy 1998; * Aden, Yemen USS Cole 2000; * New York World Trade Center 2001; * Pentagon 2001. (Note that during the period from 1981 to 2001 there were 7,581 terrorist attacks worldwide). 2. Why were we attacked? Envy of our position, our success, and our freedoms. The attacks happened during the administrations of Presidents Carter, Reagan, Bush 1, Clinton and Bush 2. We cannot fault either the Republicans or Democrats as there were no provocations by any of the presidents or their immediate predecessors, Presidents Ford or Carter. 3. Who were the attackers? In each case, the attacks on the US were carried out by Muslims. 4. What is the Muslim population of the World? 25%. 5. Isn't the Muslim Religion peaceful? Hopefully, but that is really not material. There is no doubt that the predominately Christian population of Germany was peaceful, but under the dictatorial leadership of Hitler (who was also Christian), that made no difference. You either went along with the administration or you were eliminated. There were 5 to 6 million Christians killed by the Nazis for political reasons (including 7,000 Polish priests). (see http://www.nazis.testimony.co.uk/7-a.htm ) Thus, almost the same number of Christians were killed by the Nazis, as the six million holocaust Jews who were killed by them, and we seldom heard of anything other than the Jewish atrocities. Although Hitler kept the world focused on the Jews, he had no hesitancy about killing anyone who got in his way of exterminating the Jews or of taking over the world - German, Christian or any others. Same with the Muslim terrorists. They focus the world on the US, but kill all in the way -- their own people or the Spanish, French or anyone else. The point here is that just like the peaceful Germans were of no protection to anyone from the Nazis, no matter how many peaceful Muslims there may be, they are no protection for us from the terrorist Muslim leaders and what they are fanatically bent on doing -- by their own pronouncements -- killing all of us "infidels." I don't blame the peaceful Muslims. What would you do if the choice was shut up or die? 6. So who are we at war with? There is no way we can honestly respond that it is anyone other than the Muslim terrorists. Trying to be politically correct and avoid verbalizing this conclusion can well be fatal. There is no way to win if you don't clearly recognize and articulate who you are fighting. So with that background, now to the two major questions: 1. Can we lose this war? 2. What does losing really mean? If we are to win, we must clearly answer these two pivotal questions. We can definitely lose this war, and as anomalous as it may sound, the major reason we can lose is that so many of us simply do not fathom the answer to the second question - What does losing mean? It would appear that a great many of us think that losing the war means hanging our heads, bringing the troops home and going on about our business, like post Vietnam. This is as far from the truth as one can get. What losing really means is: We would no longer be the premier country in the world. The attacks will not subside, but rather will steadily increase. Remember, they want us dead, not just quiet. If they had just wanted us quiet, they would not have produced an increasing series of attacks against us, over the past 18 years. The plan was clearly, for terrorist to attack us, until we were neutered and submissive to them. We would of course have no future support from other nations , for fear of reprisals and for the reason that they would see, we are impotent and cannot help them. They will pick off the other non-Muslim nations, one at a time. It will be increasingly easier for them. They already hold Spain hostage. It doesn't matter whether it was right or wrong for Spain to withdraw its troops from Iraq. Spain did it because the Muslim terrorists bombed their train and told them to withdraw the troops. Anything else they want Spain to do will be done. Spain is finished. The next will probably be France. Our one hope on France is that they might see the light and realize that if we don't win, they are finished too, in that they can't resist the Muslim terrorists without us. However, it may already be too late for France. France is already 20% Muslim and fading fast! If we lose the war, our production, income, exports and way of life will all vanish as we know it. After losing, who would trade or deal with us, if they were threatened by the Muslims. If we can't stop the Muslims, how could anyone else? The Muslims fully know what is riding on this war, and therefore are completely committed to winning, at any cost. We better know it too and be likewise committed to winning at any cost. Why do I go on at such lengths about the results of losing? Simple. Until we recognize the costs of losing, we cannot unite and really put 100% of our thoughts and efforts into winning. And it is going to take that 100% effort to win. So, how can we lose the war? Again, the answer is simple. We can lose the war by "imploding." That is, defeating ourselves by refusing to recognize the enemy and their purpose, and really digging in and lending full support to the war effort. If we are united , there is no way that we can lose. If we continue to be divided, there is no way that we can win! Let me give you a few examples of how we simply don't comprehend the life and death seriousness of this situation. President Bush selects Norman Mineta as Secretary of Transportation. Although all of the terrorist attacks were committed by Muslim men between 17 and 40 years of age, Secretary Mineta refuses to allow profiling. Does that sound like we are taking this thing seriously? This is war! For the duration, we are going to have to give up some of the civil rights we have become accustomed to. We had better be prepared to lose some of our civil rights temporarily or we will most certainly lose all of them permanently. And don't worry that it is a slippery slope. We gave up plenty of civil rights during WWII, and immediately restored them after the victory and in fact added many more since then. Do I blame President Bush or President Clinton before him? No, I blame us for blithely assuming we can maintain all of our Political Correctness, and all of our civil rights during this conflict and have a clean, lawful, honorable war. None of those words apply to war. Get them out of your head. Some have gone so far in their criticism of the war and/or the Administration that it almost seems they would literally like to see us lose. I hasten to add that this isn't because they are disloyal. It is because they just don't recognize what losing means. Nevertheless, that conduct gives the impression to the enemy that we are divided and weakening. It concerns our friends, and it does great damage to our cause. Of more recent vintage, the uproar fueled by the politicians and media regarding the treatment of some prisoners of war, perhaps exemplifies best what I am saying. We have recently had an issue, involving the treatment of a few Muslim prisoners of war, by a small group of our military police. These are the type prisoners who just a few months ago were throwing their own people off buildings, cutting off their hands, cutting out their tongues and otherwise murdering their own people just for disagreeing with Saddam Hussein. And just a few years ago these same type prisoners chemically killed 400,000 of their own people for the same reason. They are also the same type enemy fighters, who recently were burning Americans, and dragging their charred corpses through the streets of Iraq. And still more recently, the same type enemy that was and is providing videos to all news sources internationally, of the beheading of American prisoners they held. Compare this with some of our press and politicians, who for several days have thought and talked about nothing else but the "humiliating" of some Muslim prisoners -- not burning them, not dragging their charred corpses through the streets , not beheading them, but "humiliating" them. Can this be for real? The politicians and pundits have even talked of impeachment of the Secretary of Defense. If this doesn't show the complete lack of comprehension and understanding of the seriousness of the enemy we are fighting, the life and death struggle we are in and the disastrous results of losing this war, nothing can. To bring our country to a virtual political standstill over this prisoner issue makes us look like Nero playing his fiddle as Rome burned -- totally oblivious to what is going on in the real world. Neither we, nor any other country, can survive this internal strife. Again I say, this does not mean that some of our politicians or media people are disloyal. It simply means that they are absolutely oblivious to the magnitude, of the situation we are in and into which the Muslim terrorists have been pushing us, for many years. Remember, the Muslim terrorists stated goal is to kill all infidels! That translates into ALL non-Muslims -- not just in the United States, but throughout the world. We are the last bastion of defense. We have been criticized for many years as being 'arrogant.' That charge is valid in at least one respect. We are arrogant in that we believe that we are so good, powerful and smart, that we can win the hearts and minds of all those who attack us, and that with both hands tied behind our back , we can defeat anything bad in the world! We can't! If we don't recognize this, our nation as we know it will not survive, and no other free country in the world will survive if we are defeated. And finally, name any Muslim countries throughout the world that allow freedom of speech, freedom of thought, freedom of religion, freedom of the press, equal rights for anyone -- let alone everyone, equal status or any status for women, or that have been productive in one single way that contributes to the good of the world. This has been a long way of saying that we must be united on this war or we will be equated in the history books to the self-inflicted fall of the Roman Empire. If, that is, the Muslim leaders will allow history books to be written or read. If we don't win this war right now, keep a close eye on how the Muslims take over France in the next 5 years or less. They will continue to increase the Muslim population of France and continue to encroach little by little, on the established French traditions. The French will be fighting among themselves, over what should or should not be done, which will continue to weaken them and keep them from any united resolve. Doesn't that sound eerily familiar? Democracies don't have their freedoms taken away from them by some external military force. Instead, they give their freedoms away, politically correct piece by politically correct piece. And they are giving those freedoms away to those who have shown, worldwide, that they abhor freedom and will not apply it to you or even to themselves, once they are in power. They have universally shown that when they have taken over, they then start brutally killing each other over who will be the few who control the masses. Will we ever stop hearing from the politically correct, about the "peaceful Muslims"? I close on a hopeful note, by repeating what I said above. If we are united, there is no way that we can lose. I hope now after the election, the factions in our country will begin to focus on the critical situation we are in, and will unite to save our country. It is your future we are talking about! Do whatever you can to preserve it. After reading the above, we all must do this not only for ourselves, but our children, our grandchildren, our country and the world. Whether Democrat or Republican, conservative or liberal and that includes the Politicians and media of our country and the free world! Please forward this to any you feel may want, or NEED to read it. Our "leaders" in Congress ought to read it, too. There are those that find fault with our country, but it is obvious to anyone who truly thinks through this, that we must UNITE!

How do I report state assistance fraud? My co-worker and I make the same amount of money. Her boyfriend makes a little less than my fiancee. They have 2 kids together, we have one kid together. My co-worker gets free child care, free health insurance, and subsidized housing, they have 1100 square feet and we have 800 square feet. They pay $325 less per month in rent than we do. They also don't have to deal with doctor co-pays and monthly premiums. My fiancee pays $180 per month to cover him and our son. I pay $125 per month for my policy. Then of course there's day care. We pay almost $700 per month in day care. She only pays like $10 per week. She shares all this info with me. As you can see, my expenses exceed hers by a lot, while their household income is only slightly less than ours. But she has TONS of disposable income because of all this state assistance. I am furious because she and her boyfriend are buying a house together in December because they have a great down payment. My fiancee and I are trying hard to save and it will be a few more years until we can buy a home. I am so angry because she lies to get all these benefits and is rewarded with a new home. How does she do it? Simple. She tells the state that her children's dad is no longer in the picture and doesn't pay child support. Which is a load of BS because he LIVES WITH HER. He makes $42,000 per year. That is $42K that the state thinks is NOT going into her household. She only reports her income. Should I report this?? I am so ticked. She is actually proud of her "accomplishments". They are going to try for a THIRD child. They aren't even married, which makes perfect sense not to, because then she would lose everything. Should I report her or mind my own darn business? I don't know if it's "rental assistance" but when she applied for her apartment last year they said the rent is based on a sliding scale, or percentage of gross income. Something like 35 percent, which would make sense. She and I gross a little over 2000 dollars a month (before taxes) and that's how her rent is calculated. Her next door neighbor pays $575 for an identical unit. Okay, call me guilty of being jealous. My fiancee advises against reporting her. He says I should just be happy I am living an honest life and that karma will come back to get her. I just hate seeing people reap rewards for doing the wrong thing, while I struggle to do the right thing and have to finish last!

Does Online Jobs work from home are genuine? Respected Sir, Sub:- Does Online Internet Home Base Jobs are real or not Recently I was receiving so many mails as Work for Home through Internet and can earn Thousands of Dollars every month by just working 2 to 3 Hrs a day. Some of the following web Sites List www.googlenetcash.com www.inetcashincome.com www.googlecash.com www.googlemint.com www.mevinlife.com www.netjobs4all.com www.hindustanlinks.com Does this type of works are real genuine, does we will receive 100% payment for our work done to them. If it is genuine, so many people will do it, now a day’s network was very fast, as one person was getting some benefit by doing some work, in the next minute his neighbor or his friend will start that work he also will enjoy that benefit, this process will be continued as chain process, and that will be get popular in the market. Till now I had seen so many works for Home through Internet web sites, E-Mails, Advertisements, but till now I had not seen single person was working this types of jobs. I had some friends who are working in IT Field since 4years I asked them, they told they are not genuine, they also did not seen any person working in this types of jobs. Approach of One Company Email to me as follows Let’s head straight towards the world of GoogleNetCash. But before Starting, let's make one thing very clear. This is NO MLM – NO NET SURFING – NO RENEWALS – NO DOWNLINE Concept – NO TIME PERIOD – NO TARGET – NO BUYING – NO SELLING – NO DATA ENTRY Job, where either the payout is very less or you are depending on others for your income. WORK DETAILS We will tell you in very simple words, WHAT has to be done, HOW it has to be done, you will know once you get the Package (in CD format). There are so many companies on Internet from time to time are running new Campaigns/ Publicity to promote their ‘Brands’ or to increase the ‘Popularity’ of their web sites. Those companies expect their Promotional Campaigns to get maximum exposure as quick as possible. But unfortunately there is no Television or News paper on Internet through which these companies can get maximum exposure. Instead there are Billions of WebPages, and it is practically not possible for one company to run their Campaigns every where. This limitation gives PEOPLE like us, with basic knowledge of Internet, is a big ADVANTAGE. Example: Part 1: Screensavers.com is one such company with CJ.COM. CJ.COM will give us some Online Banners, Text links for their Campaigning/Publicity. It will look as an Ad for Screensavers.com website with our unique Identity CODE NO provided by CJ.COM in the background. The joining links are provided in GoogleNetCash pack to you). Currently Available for Rs.1550/- Part 2:To get some work (as we are looking for some extra income through internet ON LINE/ OFF LINE/HOME BASED) now we have to place these links on Internet using various simple techniques provided in the GoogleNetCash Package. EX; EMAIL MARKETING= SELECT, COPY, PASTE, SEND. (This includes placing the same on Google for OFF LINE income). Now any person, who is coming across the link placed by us and clicking on it, subsequently downloads a screensaver for free from ScreenSavers.com. Our CJ.com account balance will automatically increase by $ 0.60. CJ.COM will knows this via the unique code provided by CJ.COM in our link. You must have seen some Income Cheques on our website on http://www.googlenetcash.com, sent from cj.com (Commission Junction). Cj.com is the Mediator between these companies and we people. In short, these companies are outsourcing their work via CJ.COM. See the Advantage to Everybody: Advantage to Screensaver.com:- its popularity gets increased. Today, if the popularity increases, tomorrow the business definitely will. Advantage to CJ.COM: - It gets paid by Screensaver to maintain the account of various users like us, who are working for Screensaver program. Advantage to You, you get more than 2000+ companies to work (via CJ) and get handsomely paid Commissions from those companies. See the screenshot of income of a few of our existing clients. Visit; http://www.googlenetcash.com/incomeproof.htm More Examples Like Screensaver.com, there are 2000+ companies with CJ like Yahoo.com, ICICI, Citi Bank, ebay.in, Monster.com, Dell, IBM, Sony, Discovery Channel, CNBC, Shaadi.com, POGO CHANNEL, to name a few only. Each company gives your different payout as high as US $100 or even more. Each have a different criteria, some company pays to you when somebody does a Free Registration, some company pays for Free Information Search, or Free Downloads is being made via the link placed by us. Some even pays for Clicks to our link, some pays if some Purchase (our commission in this case is very high). So it's up to us, as for which company we wish to work. WHAT IS GoogleNetCash

W2 vs 1099. which is better for me IYO????? I'll try to keep it simple? here is my situation: I am a plumber who earns $40 p/h $1500per week I take home about $30 p/h after deductions $1200 per week. I get no benefits nothing at all. I pay my own health ins. which cost me $120 a month. It's time for a raise. Since my last raise i have acquired my own license an started my own business i also receive income form this an I plan to keep both going. So my raise should be about $45p/h. My question is how much is it costing my employer to have me. I need to know what the figure is so i can ask for that figure or close to it on 1099 So lets say if it's gonna cost him $55p/h to pay me $45 dollars on wages maybe i could ask him to pay me $54 dollars 1099. Which do you think I would fair out better with the w2 $45p/h or $50 $55 1099. Hes a good guy and it's a great job and i just want something were both happy. how could you work out how much extra an employer pays to have you. They pay extra taxes, workmans comp etc how do i work out this figure. Which is Better

IS THIS JOB OFFER A SCAM? ? Hey, I have been applying for jobs these past couple of weeks and I received an email about a job opportunity, it sounds a little fishy to me but I'm not really sure. Here is the complete email that I received, please let me know what you think? (I did complete the information part that they asked for and they did send me a check, I just don't know if I should cash it) Job Description: You need to post classified ads in your local newspapers and magazines, such as sales ads, employment ads or real estate ads. Our company is located in Germany. We need your services in USA for the specified position, Newspaper Advertiser. You will spend max. 2-4 hours weekly, in your spare time. You do NOT need special skills or degrees. The position is very easy and can be done by anyone without the necessity to leave your current job! If you ever placed an ad in one newspaper, is that easy. All you have to do is place the ads from home calling newspapers at toll free numbers or online, of course after you receive the content that must be posted from us and the money needed to post in newspapers. Almost all our ads are employment ads from various Europe companies that want to have ads in USA but we may also have ads from US companies that must place ads in Europe Newspapers. Yes, we will provide the money to post in newspapers. You will not anything on your money. Once you have our money for the ads in hand you will receive detailed info how to complete all tasks. You just have to call the newspaper and place the ad. There will be 4-10 ads placed weekly, for each ad you post you are paid with $100, you will deduct your share from money we send you to post the ads. Requirements: - US Citizen - computer with e-mail; Check your email daily - You must have over 20 years old - 2-3 hours free during the week (mainly in the evening / non-business hours) for communication; You will enjoy working from home on your computer, without needing employees. You can earn a full-time income in as little as 2-3 hours/week, in your spare time. There is no need to leave from your current job. You can work for us few hours daily and increase your income with up to $900 weekly. If you have any questions you will receive the answers same day, mostly within few minutes. NO account SETUP fees or fees of any kind to work for us . To start the job today please reply with the info below: First name, Last name: Full Address - NOT PO Box please: City, State, Postal Zip Code: Two E-mail addresses: Phone# : We will select papers from your US where the classified ads will be placed and will send you the funds to post. You need to place the ads in max. 48 hours after you receive the money from us! This is the only condition we ask. How you are paid for your services: Like we specified, there will be 4-10 employment ads placed weekly, for each ad you post you are paid with $100, you will deduct your share from money we send you to post the ads. After 30 days of testing period we will sign by mail contract for long-term. We provide 1099 form at the end of each year. Job is very simple and all terms are clear, however, do not apply for this job if you are not responsible. Your agreement will be considered an USA binding contract, you cannot apply now and refuse to do your tasks later. You will be registered as our Employee and we'll pay taxes every time you will place an ad. Thank you WHAT YOU THINK!?