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Stephen King
Go To Original
What caused the crisis? For some, the story is simple. Its all about global imbalances.
The US borrowed too much and the Chinese lent too much. In an arithmetical sense, this assertion contains some truth. The US has lived with a whopping deficit on the current account of its balance of payments for countless years. The Chinese, in turn, have experienced an ever-widening surplus.
According to this thesis, Chinas surplus results from the pursuit of a mercantilist exchange rate policy designed to promote Chinese exports at the expense of manufacturing jobs elsewhere in the world. China deliberately prevented its exchange rate from rising by using its trade surplus to buy dollars in the open market.
This led to a massive increase in Chinas foreign exchange reserves, most ofwhich were invested in US Treasuries. US interest rates ended up lower as a result, leading to the housing boom and sub-prime crisis.
Based on this view of the world, the US economy would eventually collapse when Chinese and other foreign investors in US assets reached a point of saturation where they simply had too much exposure to the US economy. At that moment, the US would discover the folly associated with its constant borrowing from abroad. Capital inflows would dry up, domestic financial markets would tumble and the dollar would collapse.
Thatwas the theory. There is, though, one big problem. The dollar may have been weak at the beginning of the crisis but it isnt any longer.
Through much of this year, the dollar has been in the ascendant. Chinas currency, the renminbi, is struggling to keep up. Other currencies, including the euro and, most obviously, sterling, have fallen on hard times. If, then, this is a story about the unwinding of global imbalances, its a story that appears to have lost the plot.
I have no doubt that Chinas trade surplus and its associated purchase ofUSTreasuries have played some sort of role in the crisis. But theyre not the only factors, and nor are they the most important. While its true that Treasury yields in the US were lower as a result of Chinas behaviour, that doesnt explain the huge boom in demand for mortgage-backed securities and their various derivatives over recent years. Everyone wanted a piece of the action. American investors bought these pieces of paper but so, increasingly, did European and emerging market investors.
Why was there such a huge demand for products which, today, are no longer trusted? One simple answer relates to our own, collective, desire to retire early with a decent nest egg of savings, a desire which required a high return on our financial investments.
Our hopes of meeting those desires were dealt a savage blow in 2000 and 2001 when equity prices collapsed.
We needed another get rich quick scheme. Investors looked elsewhere for assets that might have a chance of generating the returns that would keep us happy in our dotage.
For a while, mortgage-backed securities seemed to do the trick. They were safer than equities but offered a higher yield than Treasuries.
The odd thing about these investments, though, is the idea that building or buying houses will add to national wealth in the years to come.
Wealth ultimately comes from productivity gains. Those gains, in turn, hinge on advances in technology and on a more efficient allocation of global capital. While its true that modern houses have more advanced technologies than older houses (double glazing, for example), the big gains are, of course, seen in other areas, most obviously in computers, transportation and communications. Ultimately, house prices will tend to rise only as a consequence of these technology gains and their impact on our incomes. Over the very long term, house prices wont rise of their own accord (as, indeed, the Japanese, with their feeble economy, have discovered over the last 16 years, a period of persistently falling land prices).
The huge investments in paper assets in recent years were ultimately used to fund investments in parts of the economy which were never likely to boost long-term growth. Even worse, to the degree that investments in housing diverted funds from other, more rewarding, areas of economic endeavour, the investments were ultimately used only to bring forward future consumption to the present. All that extra consumption required someone else to do all the producing.
Its no surprise that childrens toys this Christmas will be mostly labelled Made in China.
When, at the end of 2006, the US housing market began to soften, alarm bells should have been ringing.
Afalling US housing market suggested that, perhaps, mortgage-backed securities and other, more esoteric, pieces of paper were perhaps not quite as safe as investors had previously assumed. It took a while for investors to recognise the problem.
Late last summer, though, the penny dropped. Any piece of paper linked to housing was suddenly of little worth.
Banks, though, had been dependent on the sale of these pieces of paper to raise the necessary funds to sustain high volumes of lending. If the demand for these pieces of paper collapsed, it followed that bank lending would also collapse. Everything else stems from this: shortages of credit, worries about bankruptcy, monetary hoarding, and recessionary fears. We are witnessing a catastrophic breakdown of trust within the financial system.
In fact, the only stuff that is trusted these days is cash. One of the more remarkable developments last week was a fall in the rate of interest rate on 3-month Treasury bills to below 0 per cent. In other words, people are prepared to pay the US government to look after their money, such is their anxiety about savings held in the private sector.
This kind of behaviour has long been seen in Japan, but its a new experience in theUSand elsewhere in the world. It also helps to explain why the dollar is so strong. In a world of tremendous uncertainty, the only cash investors want to hold is cash which has the best international liquidity. Almost anywhere in the world, dollars are acceptable as a means of exchange. Its no surprise, then, that dollars are very popular all of a sudden.
In this new dollar stampede, there are plenty of casualties. It wont be long before US exporters are complaining about unfair competition from abroad. Flows of private capital to emerging markets will dry up, because the desire for dollars creates a home bias for US banks. Emerging market currencies, in turn, will come under pressure, reducing the nest egg of dollar foreign exchange reserves which had been built up in earlier years.
Funnily enough, then, the world as awhole has decided to behave as the Chinese have been doing for the last decade or so. The Chinese have been accumulating dollars. Suddenly, everyone else also wants dollars.
In hindsight, rather than demanding the Chinese should have allowed the renminbi to appreciate, perhaps the Americans should, instead, have encouraged the Chinese to diversify their foreign assets. Rather than holding Treasuries, the Chinese might have been encouraged to buy US companies in need of a bit of tender loving care. But the opportunity to sell General Motors at a reasonable price is no longer there.
Read more... <<< hot news
Go To Original
What caused the crisis? For some, the story is simple. Its all about global imbalances.
The US borrowed too much and the Chinese lent too much. In an arithmetical sense, this assertion contains some truth. The US has lived with a whopping deficit on the current account of its balance of payments for countless years. The Chinese, in turn, have experienced an ever-widening surplus.
According to this thesis, Chinas surplus results from the pursuit of a mercantilist exchange rate policy designed to promote Chinese exports at the expense of manufacturing jobs elsewhere in the world. China deliberately prevented its exchange rate from rising by using its trade surplus to buy dollars in the open market.
This led to a massive increase in Chinas foreign exchange reserves, most ofwhich were invested in US Treasuries. US interest rates ended up lower as a result, leading to the housing boom and sub-prime crisis.
Based on this view of the world, the US economy would eventually collapse when Chinese and other foreign investors in US assets reached a point of saturation where they simply had too much exposure to the US economy. At that moment, the US would discover the folly associated with its constant borrowing from abroad. Capital inflows would dry up, domestic financial markets would tumble and the dollar would collapse.
Thatwas the theory. There is, though, one big problem. The dollar may have been weak at the beginning of the crisis but it isnt any longer.
Through much of this year, the dollar has been in the ascendant. Chinas currency, the renminbi, is struggling to keep up. Other currencies, including the euro and, most obviously, sterling, have fallen on hard times. If, then, this is a story about the unwinding of global imbalances, its a story that appears to have lost the plot.
I have no doubt that Chinas trade surplus and its associated purchase ofUSTreasuries have played some sort of role in the crisis. But theyre not the only factors, and nor are they the most important. While its true that Treasury yields in the US were lower as a result of Chinas behaviour, that doesnt explain the huge boom in demand for mortgage-backed securities and their various derivatives over recent years. Everyone wanted a piece of the action. American investors bought these pieces of paper but so, increasingly, did European and emerging market investors.
Why was there such a huge demand for products which, today, are no longer trusted? One simple answer relates to our own, collective, desire to retire early with a decent nest egg of savings, a desire which required a high return on our financial investments.
Our hopes of meeting those desires were dealt a savage blow in 2000 and 2001 when equity prices collapsed.
We needed another get rich quick scheme. Investors looked elsewhere for assets that might have a chance of generating the returns that would keep us happy in our dotage.
For a while, mortgage-backed securities seemed to do the trick. They were safer than equities but offered a higher yield than Treasuries.
The odd thing about these investments, though, is the idea that building or buying houses will add to national wealth in the years to come.
Wealth ultimately comes from productivity gains. Those gains, in turn, hinge on advances in technology and on a more efficient allocation of global capital. While its true that modern houses have more advanced technologies than older houses (double glazing, for example), the big gains are, of course, seen in other areas, most obviously in computers, transportation and communications. Ultimately, house prices will tend to rise only as a consequence of these technology gains and their impact on our incomes. Over the very long term, house prices wont rise of their own accord (as, indeed, the Japanese, with their feeble economy, have discovered over the last 16 years, a period of persistently falling land prices).
The huge investments in paper assets in recent years were ultimately used to fund investments in parts of the economy which were never likely to boost long-term growth. Even worse, to the degree that investments in housing diverted funds from other, more rewarding, areas of economic endeavour, the investments were ultimately used only to bring forward future consumption to the present. All that extra consumption required someone else to do all the producing.
Its no surprise that childrens toys this Christmas will be mostly labelled Made in China.
When, at the end of 2006, the US housing market began to soften, alarm bells should have been ringing.
Afalling US housing market suggested that, perhaps, mortgage-backed securities and other, more esoteric, pieces of paper were perhaps not quite as safe as investors had previously assumed. It took a while for investors to recognise the problem.
Late last summer, though, the penny dropped. Any piece of paper linked to housing was suddenly of little worth.
Banks, though, had been dependent on the sale of these pieces of paper to raise the necessary funds to sustain high volumes of lending. If the demand for these pieces of paper collapsed, it followed that bank lending would also collapse. Everything else stems from this: shortages of credit, worries about bankruptcy, monetary hoarding, and recessionary fears. We are witnessing a catastrophic breakdown of trust within the financial system.
In fact, the only stuff that is trusted these days is cash. One of the more remarkable developments last week was a fall in the rate of interest rate on 3-month Treasury bills to below 0 per cent. In other words, people are prepared to pay the US government to look after their money, such is their anxiety about savings held in the private sector.
This kind of behaviour has long been seen in Japan, but its a new experience in theUSand elsewhere in the world. It also helps to explain why the dollar is so strong. In a world of tremendous uncertainty, the only cash investors want to hold is cash which has the best international liquidity. Almost anywhere in the world, dollars are acceptable as a means of exchange. Its no surprise, then, that dollars are very popular all of a sudden.
In this new dollar stampede, there are plenty of casualties. It wont be long before US exporters are complaining about unfair competition from abroad. Flows of private capital to emerging markets will dry up, because the desire for dollars creates a home bias for US banks. Emerging market currencies, in turn, will come under pressure, reducing the nest egg of dollar foreign exchange reserves which had been built up in earlier years.
Funnily enough, then, the world as awhole has decided to behave as the Chinese have been doing for the last decade or so. The Chinese have been accumulating dollars. Suddenly, everyone else also wants dollars.
In hindsight, rather than demanding the Chinese should have allowed the renminbi to appreciate, perhaps the Americans should, instead, have encouraged the Chinese to diversify their foreign assets. Rather than holding Treasuries, the Chinese might have been encouraged to buy US companies in need of a bit of tender loving care. But the opportunity to sell General Motors at a reasonable price is no longer there.
Read more... <<< hot news
- Mood:fun
- Music:System of a Down
This is getting to be a sad situation when even the SCOTUS ignores the Constitution and does it right in your face.Indeed, the Court has spit again in your face.
By now you know that the Supreme Court has denied certiorari without comment to New Jersey attorney Leo Donofrio’s petition, a document that was simple enough for even a Member of Congress to understand. Donofrio’s argument did not depend on where Illegal Alien-Elect Hussein was born. All the evidence available so far – including the fact that he refuses to produce a genuine Hawaiian birth certificate and the fact that his grandmother says she was there when he was born in Mombasa – says he is not a natural born citizen and therefore is ineligible to be President.
But, again, Leo Donofrio’s argument did not depend on that. On one of his own sites, Hussein says that he was a British subject (as well as an American) when he was born, because that is what his father was. Remember, that is what Hussein says himself. And a dual-citizen at birth – a citizen born with divided loyalties – cannot be natural born. He cannot be President.
Also, remember that Donofrio was not asking the Supreme Court to rule that Hussein cannot be President. His petition simply asked that, since Hussein’s eligibility has been seriously challenged, he be required to prove it. As many observers have noted, this should have been quite simple. Although everything about the man is secret – his college records, his law school records, his medical records, his client records and on and on and on – had he simply produced a non-forged, genuine birth certificate, his citizenship and all other questions would have disappeared.
What principle has the High Court installed with this ruling? If a candidate for the presidency no longer must prove his eligibility under the law – the Constitution – then certainly no one else is required to prove his eligibility for any other government job. To whom more is granted, more is required. More is required of a candidate for President. If he is not required, certainly you are not either.
Until now, you needed to validate your resume to get a driver’s license or a library card, to qualify for Medicare, to work in the Post Office, etc. Now you don’t. The liars at the law schools will say this is poppycock. Ignore them Wait for the lawsuits. Wait for the lawsuits from other illegal aliens like Hussein, who maintain that they need prove nothing because Hussein does not.
The Court once again, as it has so many times for so many years, has spit in the face of the U.S. Constitution. By invalidating the clear and crucial constitutional language about presidential eligibility, it has invalidated the Constitution itself, or at least tried to. Before you argue that my argument is not based in law, remember that the process I mention goes all the way back to 1954 and Brown v. Board of Education, 347 U.S. 483 (1954), in which the Warren Court cited not law, but a book by a foreign Communist to foment a revolution that led to riot, murder and outrages like forced school busing. (See my book, It’s Very Simple: The True Story of Civil Rights.)
Need I remind you that you are superior to the Supreme Court, that the only power it has is power you have delegated, power you could rescind and take back. Need I remind you that you are superior to the President, to the Congress, indeed, to the Constitution itself, which you created. And now the Low Court has spit in your face.
Here are some thoughts from the President of the United States: “To consider the judges as the ultimate arbiters of all constitutional questions [is] a very dangerous doctrine indeed, and one which would place us under the despotism of an oligarchy. Our judges are as honest as other men and not more so. They have with others the same passions for party, for power, and the privilege of their corps.
“Their maxim is boni judicis est ampliare jurisdictionem [good justice is broad jurisdiction], and their power the more dangerous as they are in office for life and not responsible, as the other functionaries are, to the elective control. The Constitution has erected no such single tribunal, knowing that to whatever hands confided, with the corruptions of time and party, its members would become despots. It has more wisely made all the departments co-equal and co-sovereign within themselves.” — Thomas Jefferson to William C. Jarvis, 1820. ME 15:277
“This member of the Government was at first considered as the most harmless and helpless of all its organs. But it has proved that the power of declaring what the law is, ad libitum, by sapping and mining slyly and without alarm the foundations of the Constitution, can do what open force would not dare to attempt.” — Thomas Jefferson to Edward Livingston, 1825. ME 16:114
In other words, the Supreme Court does not deserve the reverence it receives. It has no more of your delegated power than the other branches. It is not superior to them. It is merely co-equal. It is nine politicians in black robes. Again, this comes to us from the President of the United States. In the face of this usurpation, where are we headed?
Hussein said recently that Americans should stop their present frenzied purchase of guns. Hussein said they have nothing to fear because he is a staunch supporter of the Second Amendment. Of course his record from the beginning gives him the lie. His appointment of Eric Holder as Attorney General confirms that he will do everything he can to confiscate your guns. It is difficult to believe that any man could be as big a liar as former President Billy Bubba Slime (“I did not have sex with that woman”), but Illegal-Alien Elect Hussein could surpass him.
Indeed, a bill is now circulating through state legislatures that would require registration of all ammunition and eventual confiscation. The theory apparently is that if they can’t get your guns they will neutralize them by taking the ammo. They are trying to sneak it through into law before you hear about it. Question: What do you intend to do with all those guns? Whom would you shoot?
More cases like Leo Donofrio’s are moving through the courts. A day or so after you read this, another will arrive at the Supreme Court. Hey, High Court! This is your chance to prove me a fool. What a delight it would be say I was wrong; to celebrate the Supreme Court’s reaffirmation that the Constitution is supreme. How likely is it that the Court will show such judicial courage?
The few media morons and conspiracy factotums who have mentioned the issue now say the High Court ruling settles the matter. James Taranto at the Wall Street Journal scoffs at the issue. Rush Humbug, Sissy Levin, Shallow Sean Hannitwit, Loopy Laura, Hugh Blewitt Company go out of their way to avoid it. Los Angeles radio faggot Al Rantel and Bull Dyke Tammy Bruce apparently did mention it but contrary orders must have gone down because now they tell their listeners not to. Tammy warned that bloggers who do so would be permanently banned from her site.
But the issue will not go away. If the High Court fails to require Illegal-Alien Elect Hussein to prove his eligibility, it will fester. Innumerable ramifications will erupt during his “Administration.” Suppose, in obedience to his Caucasian masters, he orders the military to make war on Iran (without the Declaration of War the Constitution requires, no less). What would the military do?
Remember, you are not asking them to deny the presidency to Hussein. You are merely asking them to require him to prove his eligibility. This should be very easy to do for lame ducks like Tar Heel Elizabeth Dole, for instance, who has nothing political to lose and therefore nothing to fear. On her way out, lame ducks like her could have the last laugh by performing this historic service to the Constitution.
“Barack Obama is the best candidate for the Hispanic community because our community wants a united country. Obama is an immigrant. When he speaks to Latinos, he doesn’t just speak about immigration and civil rights. . . .” Remember, this is not a criticism of Hussein, not an attack. Top Democrud Richardson means this as a high compliment. So his comment is what the lawyers call an “admission against interest.”
And he says Illegal-Alien Elect Hussein is an “immigrant.” That means he is not a “natural born citizen.” Which in turn means he is ineligible to be President. Here is the link to the interview. Go there and listen a few times: Then pass our slogan along.
Repatriation – Not Inauguration.
Read the entire article at News with Views.
Americano top 10 >>> Read more...
By now you know that the Supreme Court has denied certiorari without comment to New Jersey attorney Leo Donofrio’s petition, a document that was simple enough for even a Member of Congress to understand. Donofrio’s argument did not depend on where Illegal Alien-Elect Hussein was born. All the evidence available so far – including the fact that he refuses to produce a genuine Hawaiian birth certificate and the fact that his grandmother says she was there when he was born in Mombasa – says he is not a natural born citizen and therefore is ineligible to be President.
But, again, Leo Donofrio’s argument did not depend on that. On one of his own sites, Hussein says that he was a British subject (as well as an American) when he was born, because that is what his father was. Remember, that is what Hussein says himself. And a dual-citizen at birth – a citizen born with divided loyalties – cannot be natural born. He cannot be President.
Also, remember that Donofrio was not asking the Supreme Court to rule that Hussein cannot be President. His petition simply asked that, since Hussein’s eligibility has been seriously challenged, he be required to prove it. As many observers have noted, this should have been quite simple. Although everything about the man is secret – his college records, his law school records, his medical records, his client records and on and on and on – had he simply produced a non-forged, genuine birth certificate, his citizenship and all other questions would have disappeared.
What principle has the High Court installed with this ruling? If a candidate for the presidency no longer must prove his eligibility under the law – the Constitution – then certainly no one else is required to prove his eligibility for any other government job. To whom more is granted, more is required. More is required of a candidate for President. If he is not required, certainly you are not either.
Until now, you needed to validate your resume to get a driver’s license or a library card, to qualify for Medicare, to work in the Post Office, etc. Now you don’t. The liars at the law schools will say this is poppycock. Ignore them Wait for the lawsuits. Wait for the lawsuits from other illegal aliens like Hussein, who maintain that they need prove nothing because Hussein does not.
The Court once again, as it has so many times for so many years, has spit in the face of the U.S. Constitution. By invalidating the clear and crucial constitutional language about presidential eligibility, it has invalidated the Constitution itself, or at least tried to. Before you argue that my argument is not based in law, remember that the process I mention goes all the way back to 1954 and Brown v. Board of Education, 347 U.S. 483 (1954), in which the Warren Court cited not law, but a book by a foreign Communist to foment a revolution that led to riot, murder and outrages like forced school busing. (See my book, It’s Very Simple: The True Story of Civil Rights.)
Need I remind you that you are superior to the Supreme Court, that the only power it has is power you have delegated, power you could rescind and take back. Need I remind you that you are superior to the President, to the Congress, indeed, to the Constitution itself, which you created. And now the Low Court has spit in your face.
Here are some thoughts from the President of the United States: “To consider the judges as the ultimate arbiters of all constitutional questions [is] a very dangerous doctrine indeed, and one which would place us under the despotism of an oligarchy. Our judges are as honest as other men and not more so. They have with others the same passions for party, for power, and the privilege of their corps.
“Their maxim is boni judicis est ampliare jurisdictionem [good justice is broad jurisdiction], and their power the more dangerous as they are in office for life and not responsible, as the other functionaries are, to the elective control. The Constitution has erected no such single tribunal, knowing that to whatever hands confided, with the corruptions of time and party, its members would become despots. It has more wisely made all the departments co-equal and co-sovereign within themselves.” — Thomas Jefferson to William C. Jarvis, 1820. ME 15:277
“This member of the Government was at first considered as the most harmless and helpless of all its organs. But it has proved that the power of declaring what the law is, ad libitum, by sapping and mining slyly and without alarm the foundations of the Constitution, can do what open force would not dare to attempt.” — Thomas Jefferson to Edward Livingston, 1825. ME 16:114
In other words, the Supreme Court does not deserve the reverence it receives. It has no more of your delegated power than the other branches. It is not superior to them. It is merely co-equal. It is nine politicians in black robes. Again, this comes to us from the President of the United States. In the face of this usurpation, where are we headed?
Hussein said recently that Americans should stop their present frenzied purchase of guns. Hussein said they have nothing to fear because he is a staunch supporter of the Second Amendment. Of course his record from the beginning gives him the lie. His appointment of Eric Holder as Attorney General confirms that he will do everything he can to confiscate your guns. It is difficult to believe that any man could be as big a liar as former President Billy Bubba Slime (“I did not have sex with that woman”), but Illegal-Alien Elect Hussein could surpass him.
Indeed, a bill is now circulating through state legislatures that would require registration of all ammunition and eventual confiscation. The theory apparently is that if they can’t get your guns they will neutralize them by taking the ammo. They are trying to sneak it through into law before you hear about it. Question: What do you intend to do with all those guns? Whom would you shoot?
More cases like Leo Donofrio’s are moving through the courts. A day or so after you read this, another will arrive at the Supreme Court. Hey, High Court! This is your chance to prove me a fool. What a delight it would be say I was wrong; to celebrate the Supreme Court’s reaffirmation that the Constitution is supreme. How likely is it that the Court will show such judicial courage?
The few media morons and conspiracy factotums who have mentioned the issue now say the High Court ruling settles the matter. James Taranto at the Wall Street Journal scoffs at the issue. Rush Humbug, Sissy Levin, Shallow Sean Hannitwit, Loopy Laura, Hugh Blewitt Company go out of their way to avoid it. Los Angeles radio faggot Al Rantel and Bull Dyke Tammy Bruce apparently did mention it but contrary orders must have gone down because now they tell their listeners not to. Tammy warned that bloggers who do so would be permanently banned from her site.
But the issue will not go away. If the High Court fails to require Illegal-Alien Elect Hussein to prove his eligibility, it will fester. Innumerable ramifications will erupt during his “Administration.” Suppose, in obedience to his Caucasian masters, he orders the military to make war on Iran (without the Declaration of War the Constitution requires, no less). What would the military do?
Remember, you are not asking them to deny the presidency to Hussein. You are merely asking them to require him to prove his eligibility. This should be very easy to do for lame ducks like Tar Heel Elizabeth Dole, for instance, who has nothing political to lose and therefore nothing to fear. On her way out, lame ducks like her could have the last laugh by performing this historic service to the Constitution.
“Barack Obama is the best candidate for the Hispanic community because our community wants a united country. Obama is an immigrant. When he speaks to Latinos, he doesn’t just speak about immigration and civil rights. . . .” Remember, this is not a criticism of Hussein, not an attack. Top Democrud Richardson means this as a high compliment. So his comment is what the lawyers call an “admission against interest.”
And he says Illegal-Alien Elect Hussein is an “immigrant.” That means he is not a “natural born citizen.” Which in turn means he is ineligible to be President. Here is the link to the interview. Go there and listen a few times: Then pass our slogan along.
Repatriation – Not Inauguration.
Read the entire article at News with Views.
Americano top 10 >>> Read more...
- Mood:
energetic - Music:The Beatles
With the wide choice of rental properties now available tenants can afford to shop around for that property.
But, what are tenants currently looking for in a rental property and how can you make sure they will want yours?
Proprietor of Belvoir Bournemouth Kate Jackson says, Tenants are looking for good value accommodation that isnt dated. The property must be in top condition and all safety laws must be adhered to. Added to this, the property should be warm and energy efficient with plenty of storage and the tenant must have confidence that any problems during their tenancy will be dealt with effectively and swiftly by the landlord or agent.
Ensure your potential tenants feel at home by asking yourselves the questions about your property that they will inevitably be asking themselves too...
How much can I afford to pay?
Make sure your property is competitively priced for the area and look to reduce the rent youre asking if necessary. In the current climate all prospective tenants will be looking at their budgets and calculating what they will have to pay each month, including bills. Some savvy landlords are even offering the first two weeks rent free to ensure a quick let. Kate adds, In the current climate were finding a lot more tenants are putting in offers on rental properties and all these must be considered by the landlord. Whats the location like?
They often say location is everything when buying a house... and renting one is no exception! If looking to invest in a buy-to-let, search in low-crime areas with good transport links, such as a major road network or a train station nearby. Think about what the area is like and visit the neighbours to find out what its like to live there.
And, remember, areas with universities, hospitals or major industry are likely to be densely populated with people looking for temporary homes.
Are their any local amenities?
Potential tenants will want to know that they can enjoy their chosen lifestyles with ease, so ensure that there are good range of amenities, such as schools, restaurants and shops nearby.
What condition is the property in?
Tenants will be put off by properties in a poor condition so give your property a face-lift whitewash interior walls and clean the carpets. Crumbling paint or signs of damp are going to send potential tenants straight back out your door. The structure of your building is important too leaning walls, large cracks and leaky gutters wont help you let the property quickly either. Kate says, Tenants are now just as picky as owners ensure your property is in a good condition, neutrally decorated and has a modern kitchen and bathroom. Are the appliances in good working order?
Potential tenants will not only be inspecting the interior and exterior of your property - they will also be taking a close look at the appliances youre supplying. Kate says, Tenants are definitely looking for good quality white goods and, wherever possible, a microwave and dishwasher too ensure your appliances are modern and in good working order before marketing the property.
Take a walk around your property and consider the following:-
Are there enough telephone points?
Are their sufficient kitchen utensils?
Is the shower more than a dribble?
Is there a dishwasher and microwave?
Does the toilet flush easily?
Are the fridge and freezers big enough?
Am I going to be warm?
Potential tenants will be looking for a good central heating system and theyll want to know all the radiators actually work too.
Good insulation is also essential. Double glazing, well-fitting doors and windows and roof and wall insulation will all help to keep your tenant warm, as well as saving them money on their gas and electricity bills.
Is there going to be enough room?
Are there built-in wardrobes? Big enough work-surfaces? Sufficient kitchen units? A tenant will want to know that theyve got enough room to live comfortably. You cant make a small house bigger but you can come up with clever storage solutions to make living in a small space appear more appealing. Kate says, Plenty of storage is always a good thing to offer. Am I going to be safe?
Make sure that a prospective tenant will feel safe at your property by doing the following (and, remember, many of these things are legal requirements too!):-
All soft furnishings should be labelled as fire resistant
Fitting a burglar alarm
Point out the carbon monoxide detectors
Fitting five-lever mortice locks and window locks
Providing a safety blanket and a fire extinguisher
Make sure the smoke alarms work
Ensure all electrical appliances have been PAT tested
Provide copies of your gas and electric certificates
What happens if I have a problem?
Make sure your potential tenant knows that you are there to help and will try to fix problems and do minor maintenance as quickly and efficiently as possible. You may even want to leave them emergency contact numbers for local plumbers or handymen.
Kate adds, Additionally, if your property is fully-managed by a good property management agency, such as Belvoir, it will give your tenants the confidence that problems will not only be dealt with swiftly but also helpful advice will only ever be a phone call away.
To find your nearest Belvoir office, visit their website at www.belvoirlettings.
Americano new top 10 >>> Read more...
- Mood:Cheerful
- Music:Justin Timberlake
Public employees and the First Amendment right to free speech
Thomas v City of Blanchard, USCA 10th Circuit, No. 07-6197
In considering a public employees claim that his or her First Amendment right to free speech has been compromised by his or her public employer, courts distinguish between the employees speech in terms of the vindication of a personal interest and the vindication of a public interest.
Another arena in which an employee may contend that his or her employers actions are violative of the employees free speech are tested in terms of whether the speech concerned the employees official duties or a public interest.
The latter was the issue in the Thomas case: Was Thomass report to the Oklahoma State Bureau of Investigation (OSBI) made pursuant to his professional duties and therefore outside the scope of First Amendment protections within the meaning of Garcetti v Ceballos, 547 U.S. 410, or was his speech a matter of public interest and thus protected by the First Amendment?
Ira Thomas was fired from his job as building code inspector for the City of Blanchard, Oklahoma, after he discovered a signed and completed certificate of occupancy for a home constructed by a local builder who was also the mayor in the City Clerks office although Thomas had neither made the final inspection of the home nor approved issuance of the certificate.
In the words of the Tenth Circuit, Suspecting illegality, Mr. Thomas responded forcefully (and maybe even inappropriately; that is a disputed issue) by storming into a meeting to denounce the certificate, shouting at the City Clerk, threatening to report the matter to the OSBI and eventually following through on the threat.
Subsequently terminated from his position, Thomas sued the City and various city officials, including the mayor, claiming his discharge was in retaliation for his exercising his right to free speech primarily, his reporting the matter to the OSBI and therefore in violation of the Free Speech Clause of the First Amendment.
The Circuit Court decided that Thomass search was not made pursuant to his professional duties and thus was constitutionally protected. Citing its decision in Casey v. West Las Vegas Independent School District, 473 F.3d 1323, the court concluded that ala Casey, "Thomas was not satisfied that the citys officials would report the fraud to the authorities, so he 'took his grievance elsewhere' that is, to the OSBI.
The court then considered a number of additional relevant issues including (1) whether the governments interest outweighed the employees free speech rights and (2) whether the speech was a motivating factor in the discharge.
As to whether Thomass speech was a matter of public concern, the Circuit Court of Appeals concluded that although this issue was raised for the first time in this appeal, speech about possible illegality or pressure by the mayor would count as a matter of public concern.
Addressing whether citys interest as employer in promoting the efficiency of the services it performs outweighs the employees interest in his speech, the court said that for the purposes of this test, the question is not whether the plaintiffs speech was accompanied by disruptive behavior or made in a disruptive manner, but whether the governments legitimate interests provide a sufficient justification for controlling Thomass message.
The decision also addresses other significant issues concerning the rights and limitations concerning the exercise of free speech by a public employee.
News the best top 10 >>> Read more...
Thomas v City of Blanchard, USCA 10th Circuit, No. 07-6197
In considering a public employees claim that his or her First Amendment right to free speech has been compromised by his or her public employer, courts distinguish between the employees speech in terms of the vindication of a personal interest and the vindication of a public interest.
Another arena in which an employee may contend that his or her employers actions are violative of the employees free speech are tested in terms of whether the speech concerned the employees official duties or a public interest.
The latter was the issue in the Thomas case: Was Thomass report to the Oklahoma State Bureau of Investigation (OSBI) made pursuant to his professional duties and therefore outside the scope of First Amendment protections within the meaning of Garcetti v Ceballos, 547 U.S. 410, or was his speech a matter of public interest and thus protected by the First Amendment?
Ira Thomas was fired from his job as building code inspector for the City of Blanchard, Oklahoma, after he discovered a signed and completed certificate of occupancy for a home constructed by a local builder who was also the mayor in the City Clerks office although Thomas had neither made the final inspection of the home nor approved issuance of the certificate.
In the words of the Tenth Circuit, Suspecting illegality, Mr. Thomas responded forcefully (and maybe even inappropriately; that is a disputed issue) by storming into a meeting to denounce the certificate, shouting at the City Clerk, threatening to report the matter to the OSBI and eventually following through on the threat.
Subsequently terminated from his position, Thomas sued the City and various city officials, including the mayor, claiming his discharge was in retaliation for his exercising his right to free speech primarily, his reporting the matter to the OSBI and therefore in violation of the Free Speech Clause of the First Amendment.
The Circuit Court decided that Thomass search was not made pursuant to his professional duties and thus was constitutionally protected. Citing its decision in Casey v. West Las Vegas Independent School District, 473 F.3d 1323, the court concluded that ala Casey, "Thomas was not satisfied that the citys officials would report the fraud to the authorities, so he 'took his grievance elsewhere' that is, to the OSBI.
The court then considered a number of additional relevant issues including (1) whether the governments interest outweighed the employees free speech rights and (2) whether the speech was a motivating factor in the discharge.
As to whether Thomass speech was a matter of public concern, the Circuit Court of Appeals concluded that although this issue was raised for the first time in this appeal, speech about possible illegality or pressure by the mayor would count as a matter of public concern.
Addressing whether citys interest as employer in promoting the efficiency of the services it performs outweighs the employees interest in his speech, the court said that for the purposes of this test, the question is not whether the plaintiffs speech was accompanied by disruptive behavior or made in a disruptive manner, but whether the governments legitimate interests provide a sufficient justification for controlling Thomass message.
The decision also addresses other significant issues concerning the rights and limitations concerning the exercise of free speech by a public employee.
News the best top 10 >>> Read more...
- Mood:romantic
- Music:Led Zeppelin
Hunk a, Hunk a Burning Us
By R.J. Godlewski
© December 15, 2008, All Rights Reserved
Whenever I write an article, I try to work in something from my background that ties into the storyline, even if it is a distant connection. For example, whenever I mention the United States Marines, I do feel a bond because 1.) I served in the United States Navy and, as such, came across Marines on a daily basis, and 2.) When I served my active duty requirement in the Reserves, I lived in the Marine Barracks down at Charleston Naval Base. I would not, however, equate my service with that of my friends who have and do serve within the Corps. I merely extend my appreciation and admiration.
This article is about community service, and the value of it that we usually take for granted. Two groups come immediately to mind: our proud police forces and our brave firefighters. Unfortunately, I have no experience whatsoever from which to draw regarding America’s finest. It’s not that I do not fully appreciate our nation’s police officers – I’m related to one by blood – it’s just that I do not share any of their training, experiences, or thoughts with which to compose even the briefest of articles. Now, as to fighting fires, this is something that I can relate to.
I served as a member of the firefighting team aboard all three of the ships upon which I served in the Navy. The very hand which I now use to guide my computer mouse is faintly, but permanently, scarred from fire. I know what it is like to be encased within a steel shell while oily water burns beneath my feet. The unimaginable blackness of the thick smoke hanging at chest level, the unbearable heat melting the rubber and plastic “protecting” my fragile body, and the sound of a rapidly racing heartbeat reverberating throughout my soul are sensations that I will carry with me until the day that I die. I suppose that the only difference between shipboard firefighting and its terrestrial cousin is that we were hundreds if not thousands of miles away from aid and, perhaps most unnerving; we had to deal with a flooded ship once the fires were out. We simply could not call for an outside contractor to clean up the mess – not while shipboard stability remained an issue. I therefore hope that the reader will kindly acknowledge that I maintain sufficient experience with which to write on behalf of those serving our communities.
Do you realize that 75% of the territorial United States is protected by volunteer firefighters? This is astounding! In large communities and small, chances are that the people who come racing to save your home, your business, or to render you aid after a vehicular mishap are not the storied individuals that you witness in Hollywood movies and television productions, but those with whom you attend church, school, and related social events. These are volunteers, people, who at best, make a pittance risking their necks to save and protect yours. They sacrifice their spare time so that you may be able to dial three brief numbers and expect to have some form of salvation for your troubles arrive within minutes. A couple of years ago, when my ailing father suffered a stroke and I rushed to aid my mother and comfort my dad while she called for help, the very first person to arrive – literally within minutes – was a volunteer firefighter from just down the street.
My family knew the fire chief there in Houghton Lake. When I lived in Oklahoma and Arkansas, I would stop for a few moments to briefly chat with the local firefighters as I walked to the store shopping, or meandered over to the library to check out a book. I knew them, because they were friends whom I worked with or lived next to. None wore an alien face, as could anyone living within a tight knit community. Sadly, many of us fail to see the importance of their function. More still cast no thoughts beyond how they benefit us specifically. Chances are you barely notice the many fire stations that dot our landscape. Even less are you inclined to pause in your journey to briefly inspect the equipment stationed within your local firehouse.
I am willing to bet that if you were to walk into your local fire station and ask the chief or captain what they really needed – as opposed to simply wanting – to carry out their function, you would receive a broad litany of equipment, supplies, training aids, and personnel for which they lack sufficient funds to acquire. These would range from simple training books on up through more modern fire trucks. If you were to inquire as to how said fire chief or captain expected to earn enough to pay for all of these necessities, you probably would receive further indoctrination into the world of bake sales, bazaars, and other similar fundraising activities. You would, I have no doubt, receive a rude awakening as to the self-reliance of your local community firefighters.
Those who live within the big cities are fortunate enough to be shielded from the monetary considerations of protecting your lives. At best, you might grumble over your tax load, but that would be about it. If you had to call 911, you could reasonably expect to have a fleet of shiny new red trucks arrive at your location and legions of buffed men and women decked out in the latest OSHA-mandated gear race in to extinguish your torched evening dinner. However, what if you lived out in the country, on a farm perhaps? Chances are those responding to your barn fire are your neighbors and would arrive in bare feet if the need warranted. Simply put, they would use whatever they had available to make sure that your losses were marginalized. Now, wouldn’t you want them to have the best equipment and supplies available? Well, here’s your chance…
Last night, while I waited on matters of school study, I perused the Internet as I do from time to time and herein is where I gained inspiration for this particular article. I visited no less than fifty (50) Web sites for volunteer fire departments across the nation and they all had two things in common. First, they lacked sufficient equipment to do their job. Second, they were involved in literally dozens of fundraising efforts to finance these acquisitions. That’s right, instead of preparing to protect your rump they were preparing to finance those very preparations. Wouldn’t it be simpler if, especially during this Christmas season, you were to walk over to your local fire station and cut them a check? If you’re reading these words, I would suspect that you are quite wealthy enough to dole out $10, $20, or more to your respective fire fund. If you cannot afford the money, then how about the time? You don’t necessarily have to become a firefighter to help. Almost all departments need people to aid in their recruitment, administrative, and fundraising activities and no training is required on your part. An hour or two aiding with a grant proposal, for instance, may go a long ways.
As for myself, I am not much of a community organizer. I admit it. My efforts to have people contribute books to the Monticello Branch of the Southeast Arkansas Public Library to establish a special section to aid people suffering from, or aiding loved ones with, cancer, failed to attract any participants. So, rather than surrender to the apathy of a population reared on selfishness, I try to do things without relying exclusively upon a disinterested (and incapable) public. In this regard, I will therefore offer my services, talent, and support to volunteer fire departments throughout the country.
Location, obviously, makes it impossible for me to respond to, say, raging fires in Pennsylvania. However, writing, promotion, fundraising, and creativity are things that I can do from anywhere. If your local fire station needs a new fire truck, for instance, perhaps I would be able to offer a unique suggestion on how to pay for it. If you need to promote your operations and lack the sufficient personnel to publicize your efforts, I could volunteer my time to do so for you. Whatever it takes and from whatever time that I have available, I’ll gladly contribute to your firefighting operation. After all, the people that you protect and serve are amongst my friends and neighbors!
To request aid for your local fire department, please contact me directly at:
firefightersupport(at)rjgodlewski.com
To help me help them, please download a copy of this article from here, print it, and send it to your local volunteer fire department and to your friends so they can pass it on to other departments. Your cooperation is greatly appreciated.
All information >>> Read more...
By R.J. Godlewski
© December 15, 2008, All Rights Reserved
Whenever I write an article, I try to work in something from my background that ties into the storyline, even if it is a distant connection. For example, whenever I mention the United States Marines, I do feel a bond because 1.) I served in the United States Navy and, as such, came across Marines on a daily basis, and 2.) When I served my active duty requirement in the Reserves, I lived in the Marine Barracks down at Charleston Naval Base. I would not, however, equate my service with that of my friends who have and do serve within the Corps. I merely extend my appreciation and admiration.
This article is about community service, and the value of it that we usually take for granted. Two groups come immediately to mind: our proud police forces and our brave firefighters. Unfortunately, I have no experience whatsoever from which to draw regarding America’s finest. It’s not that I do not fully appreciate our nation’s police officers – I’m related to one by blood – it’s just that I do not share any of their training, experiences, or thoughts with which to compose even the briefest of articles. Now, as to fighting fires, this is something that I can relate to.
I served as a member of the firefighting team aboard all three of the ships upon which I served in the Navy. The very hand which I now use to guide my computer mouse is faintly, but permanently, scarred from fire. I know what it is like to be encased within a steel shell while oily water burns beneath my feet. The unimaginable blackness of the thick smoke hanging at chest level, the unbearable heat melting the rubber and plastic “protecting” my fragile body, and the sound of a rapidly racing heartbeat reverberating throughout my soul are sensations that I will carry with me until the day that I die. I suppose that the only difference between shipboard firefighting and its terrestrial cousin is that we were hundreds if not thousands of miles away from aid and, perhaps most unnerving; we had to deal with a flooded ship once the fires were out. We simply could not call for an outside contractor to clean up the mess – not while shipboard stability remained an issue. I therefore hope that the reader will kindly acknowledge that I maintain sufficient experience with which to write on behalf of those serving our communities.
Do you realize that 75% of the territorial United States is protected by volunteer firefighters? This is astounding! In large communities and small, chances are that the people who come racing to save your home, your business, or to render you aid after a vehicular mishap are not the storied individuals that you witness in Hollywood movies and television productions, but those with whom you attend church, school, and related social events. These are volunteers, people, who at best, make a pittance risking their necks to save and protect yours. They sacrifice their spare time so that you may be able to dial three brief numbers and expect to have some form of salvation for your troubles arrive within minutes. A couple of years ago, when my ailing father suffered a stroke and I rushed to aid my mother and comfort my dad while she called for help, the very first person to arrive – literally within minutes – was a volunteer firefighter from just down the street.
My family knew the fire chief there in Houghton Lake. When I lived in Oklahoma and Arkansas, I would stop for a few moments to briefly chat with the local firefighters as I walked to the store shopping, or meandered over to the library to check out a book. I knew them, because they were friends whom I worked with or lived next to. None wore an alien face, as could anyone living within a tight knit community. Sadly, many of us fail to see the importance of their function. More still cast no thoughts beyond how they benefit us specifically. Chances are you barely notice the many fire stations that dot our landscape. Even less are you inclined to pause in your journey to briefly inspect the equipment stationed within your local firehouse.
I am willing to bet that if you were to walk into your local fire station and ask the chief or captain what they really needed – as opposed to simply wanting – to carry out their function, you would receive a broad litany of equipment, supplies, training aids, and personnel for which they lack sufficient funds to acquire. These would range from simple training books on up through more modern fire trucks. If you were to inquire as to how said fire chief or captain expected to earn enough to pay for all of these necessities, you probably would receive further indoctrination into the world of bake sales, bazaars, and other similar fundraising activities. You would, I have no doubt, receive a rude awakening as to the self-reliance of your local community firefighters.
Those who live within the big cities are fortunate enough to be shielded from the monetary considerations of protecting your lives. At best, you might grumble over your tax load, but that would be about it. If you had to call 911, you could reasonably expect to have a fleet of shiny new red trucks arrive at your location and legions of buffed men and women decked out in the latest OSHA-mandated gear race in to extinguish your torched evening dinner. However, what if you lived out in the country, on a farm perhaps? Chances are those responding to your barn fire are your neighbors and would arrive in bare feet if the need warranted. Simply put, they would use whatever they had available to make sure that your losses were marginalized. Now, wouldn’t you want them to have the best equipment and supplies available? Well, here’s your chance…
Last night, while I waited on matters of school study, I perused the Internet as I do from time to time and herein is where I gained inspiration for this particular article. I visited no less than fifty (50) Web sites for volunteer fire departments across the nation and they all had two things in common. First, they lacked sufficient equipment to do their job. Second, they were involved in literally dozens of fundraising efforts to finance these acquisitions. That’s right, instead of preparing to protect your rump they were preparing to finance those very preparations. Wouldn’t it be simpler if, especially during this Christmas season, you were to walk over to your local fire station and cut them a check? If you’re reading these words, I would suspect that you are quite wealthy enough to dole out $10, $20, or more to your respective fire fund. If you cannot afford the money, then how about the time? You don’t necessarily have to become a firefighter to help. Almost all departments need people to aid in their recruitment, administrative, and fundraising activities and no training is required on your part. An hour or two aiding with a grant proposal, for instance, may go a long ways.
As for myself, I am not much of a community organizer. I admit it. My efforts to have people contribute books to the Monticello Branch of the Southeast Arkansas Public Library to establish a special section to aid people suffering from, or aiding loved ones with, cancer, failed to attract any participants. So, rather than surrender to the apathy of a population reared on selfishness, I try to do things without relying exclusively upon a disinterested (and incapable) public. In this regard, I will therefore offer my services, talent, and support to volunteer fire departments throughout the country.
Location, obviously, makes it impossible for me to respond to, say, raging fires in Pennsylvania. However, writing, promotion, fundraising, and creativity are things that I can do from anywhere. If your local fire station needs a new fire truck, for instance, perhaps I would be able to offer a unique suggestion on how to pay for it. If you need to promote your operations and lack the sufficient personnel to publicize your efforts, I could volunteer my time to do so for you. Whatever it takes and from whatever time that I have available, I’ll gladly contribute to your firefighting operation. After all, the people that you protect and serve are amongst my friends and neighbors!
To request aid for your local fire department, please contact me directly at:
firefightersupport(at)rjgodlewski.com
To help me help them, please download a copy of this article from here, print it, and send it to your local volunteer fire department and to your friends so they can pass it on to other departments. Your cooperation is greatly appreciated.
All information >>> Read more...
- Mood:summery
- Music:Green Day
Public Debt Management is the process of establishing and implementing a policy for managing the government's debt in order to raise the required amount of funding, track its cost and risk objectives, and to convene any other public debt management goals for which the government has put criteria for developing and maintaining an efficient and liquid market for national securities. Hence,
The Legal framework should clarify the authority to borrow and to issue new debt, invest and undertake transactions on behalf of the Government. The organizational framework should be well specified where mandates and roles are well articulated. Sovereign debt management may span a country's debt management organization or a fundamental depository. Debt management report should be made publicly which would review preceding year's activities and provide synopsis of borrowing plans based on budget protuberance.
The Public Accounts comprises of three divisions Debt, Deposits and Reserves and Remittances. The 'Debt' Comprises receipt and payments in respect of which government incurs a liability to repay the money received or has a claim to recover the amount paid together with repayments of the former and recoveries of the latter. State General Provident Fund, National Savings Certificate and Postal Savings Certificates etc. are recorded in this division. The 'Deposit and Reserves' comprises receipts and payment for which the Government acts as a banker. The government, as the banker, deals with civil deposit, personal deposit and renewal reserve fund etc. The 'Remittances' division comprises all adjusting heads for instance, remittances to and from Bangladesh Bank and PWD, Defence, Forest, T and T and Postal etc. Remittances to Bangladesh mission abroad are also included in this division. The form of accounting used by the Government of Bangladesh is based on the cash basis of accounting; that is, recording the transaction at the time when cash is paid or received. Cash basis of Accounting is a traditional basis of govt accounting. There are completely two different sets of published accounts in Bangladesh- the Annual Finance Accounts and the Annual Appropriation Accounts and Annual Finance Accounts: The Finance Accounts reflect total annual receipts and expenditure of the government together with relevant financial statements.
Furthermore, the cash balance of the government is also publicized in this statement where preparation of the Annual Finance Accounts is vested with the CAG according to Article 4 of the Comptroller and Auditor General (Additional Functions) Act, 1974. Appropriation Accounts: The appropriation is a proportional report viewing comprehensive head-wise/code-wise ultimate budgetary distribution and authentic expenses of different ministries and their subordinate offices with details of variances (if any). According to Article 128 of the Constitution and Rule 4 of the Comptroller and Auditor General (Additional functions) Act 1974, preparation of the Appropriation Accounts by the concerned Accounts Offices, it is reviewed by the Directorates of Civil Audit and PTT according to concerned portions and then certified by the CAG with required observations.
The primary accounts are held in reserve where the transactions take place. There are two branches of primary accounts, one kept by the govt. accounting departments; and the other kept by the self-drawing departments known as departmentalized accounts departments, like Public Works Department, Telephone Board Postal Department, forest Department etc. To keep consistency and for the convenience of administrative functions, govt. has set up accounting offices under the control of CGA. CGDF and ADGFR. Office of the CGA covers all ministries and departments except Defence and Railway. The lowest tire of accounting unit tender the Controller General of Accounts (CGA) is the Upazilla Accounts Office. Next unit is the District Accounts Office, which is located at the District Headquarters. For the account purpose, there are also 20 regional Accounts Offices at the greater district headquarters, which consolidate the accounts received from the District and Upazilla Accounts Officers for onward transmission to the Controller General of Accounts. The Chief Accounts Offices of the respective Ministries keep accounts of the presidency. There are 21 Accounts Offices for the ministries and divisions of the govt. They work under the Administrative control of the CAG and CGA and under the functional control of the secretary of the concerned Ministry/Division. All these Accounts Offices and their activities facilities the CGA office to prepare the Monthly Accounts, the Finance Accounts and Appropriation Accounts. Considering the special nature of functions and activities of the Defense Service and the Railway. Govt. has established separated departments for their accounting functions, namely the CGDF and the ADGFR respectively. Accounting units of these Departments also prepare and maintain their monthly accounts, which facilitate the CGDF and the ADGFR to prepare the Monthly Accounts, the Finance Accounts and the Appropriation Accounts.
The accounting system for the departments, which run the Departmentalized concept such as Railway, Defence, Postal, TT, Works, Forest etc, is a bit different from concept such as Railway, Defense, Postal, TT, Works, Forest etc. is a bit different from the general government accounting system. However, except Railway all other departments do not have separate bank account. The Railway has separate bank account with the Bangladesh Bank and that shows separate through a head called ''Remittance""- an adjusting head in the government account and deposit it their income through using this head too. The Bangladesh Bank (BB) acts the banker to the government although there exists distinction between Consolidated Fund and Public Account, in effect cash balance of the Government is one and that lies with the Bangladesh Bank. The Accounting Offices issue cheque in favour of the parties/person's and then the cheques are finally drawn from the (now Central Reconciliation Unit) fore reconciliation and outside the presidency where there are no branches of BB Sonali Bank acts as the Banker to the Government Cheques issued by the Accounting Offices and drawn on the Sonali Bank afterwards are sent back to the concerned Accounting Offices for reconciliation. The Thana, District and Chief Accounts Officers record each and every transaction of the government as the initial accounts where it is applicable. Initial accounts are recorded under the relevant head of accounts where the transaction is taken place where Upazilla and District Accounts Offices send accounts as usual by the 10th of the following month. The DCA Offices subsequently classify the detailed accounting information under the respective head of accounts and propel it to the CGA by the 20th of that month. On the other side, self-drawing Departments transmit their accounts to the CAO of their respective ministries. Along with those, the CAO Office prepares initial accounts of the presidency, classify and consolidate the accounts within the purview of its ministry's boundaries and then send the accounts to the CGA by 20th of the following month. They also send the accounts to their respective Principal Accounting Officer/Secretary of Ministry or Division. CGA Prepares consolidated accounts based on the accounting data supplied by the CAO and DCA's. Similar procedure is followed in the accounting units of the Defense Finance and Railway so far as flow of accounts is concerned. In respect of preparation of the Finance Accounts and the Appropriation Accounts of the Defence Ministry and the Railway Department, the CGDF and the ADGFR respectively play the key role. The monthly Accounts prepared and maintained by the Accounts Officers of the government are the basis of Finance Accounts and the Appropriation Accounts. The following criteria are the factor which is worth noting.
News the best top 10 >>> Read more...
The Legal framework should clarify the authority to borrow and to issue new debt, invest and undertake transactions on behalf of the Government. The organizational framework should be well specified where mandates and roles are well articulated. Sovereign debt management may span a country's debt management organization or a fundamental depository. Debt management report should be made publicly which would review preceding year's activities and provide synopsis of borrowing plans based on budget protuberance.
The Public Accounts comprises of three divisions Debt, Deposits and Reserves and Remittances. The 'Debt' Comprises receipt and payments in respect of which government incurs a liability to repay the money received or has a claim to recover the amount paid together with repayments of the former and recoveries of the latter. State General Provident Fund, National Savings Certificate and Postal Savings Certificates etc. are recorded in this division. The 'Deposit and Reserves' comprises receipts and payment for which the Government acts as a banker. The government, as the banker, deals with civil deposit, personal deposit and renewal reserve fund etc. The 'Remittances' division comprises all adjusting heads for instance, remittances to and from Bangladesh Bank and PWD, Defence, Forest, T and T and Postal etc. Remittances to Bangladesh mission abroad are also included in this division. The form of accounting used by the Government of Bangladesh is based on the cash basis of accounting; that is, recording the transaction at the time when cash is paid or received. Cash basis of Accounting is a traditional basis of govt accounting. There are completely two different sets of published accounts in Bangladesh- the Annual Finance Accounts and the Annual Appropriation Accounts and Annual Finance Accounts: The Finance Accounts reflect total annual receipts and expenditure of the government together with relevant financial statements.
Furthermore, the cash balance of the government is also publicized in this statement where preparation of the Annual Finance Accounts is vested with the CAG according to Article 4 of the Comptroller and Auditor General (Additional Functions) Act, 1974. Appropriation Accounts: The appropriation is a proportional report viewing comprehensive head-wise/code-wise ultimate budgetary distribution and authentic expenses of different ministries and their subordinate offices with details of variances (if any). According to Article 128 of the Constitution and Rule 4 of the Comptroller and Auditor General (Additional functions) Act 1974, preparation of the Appropriation Accounts by the concerned Accounts Offices, it is reviewed by the Directorates of Civil Audit and PTT according to concerned portions and then certified by the CAG with required observations.
The primary accounts are held in reserve where the transactions take place. There are two branches of primary accounts, one kept by the govt. accounting departments; and the other kept by the self-drawing departments known as departmentalized accounts departments, like Public Works Department, Telephone Board Postal Department, forest Department etc. To keep consistency and for the convenience of administrative functions, govt. has set up accounting offices under the control of CGA. CGDF and ADGFR. Office of the CGA covers all ministries and departments except Defence and Railway. The lowest tire of accounting unit tender the Controller General of Accounts (CGA) is the Upazilla Accounts Office. Next unit is the District Accounts Office, which is located at the District Headquarters. For the account purpose, there are also 20 regional Accounts Offices at the greater district headquarters, which consolidate the accounts received from the District and Upazilla Accounts Officers for onward transmission to the Controller General of Accounts. The Chief Accounts Offices of the respective Ministries keep accounts of the presidency. There are 21 Accounts Offices for the ministries and divisions of the govt. They work under the Administrative control of the CAG and CGA and under the functional control of the secretary of the concerned Ministry/Division. All these Accounts Offices and their activities facilities the CGA office to prepare the Monthly Accounts, the Finance Accounts and Appropriation Accounts. Considering the special nature of functions and activities of the Defense Service and the Railway. Govt. has established separated departments for their accounting functions, namely the CGDF and the ADGFR respectively. Accounting units of these Departments also prepare and maintain their monthly accounts, which facilitate the CGDF and the ADGFR to prepare the Monthly Accounts, the Finance Accounts and the Appropriation Accounts.
The accounting system for the departments, which run the Departmentalized concept such as Railway, Defence, Postal, TT, Works, Forest etc, is a bit different from concept such as Railway, Defense, Postal, TT, Works, Forest etc. is a bit different from the general government accounting system. However, except Railway all other departments do not have separate bank account. The Railway has separate bank account with the Bangladesh Bank and that shows separate through a head called ''Remittance""- an adjusting head in the government account and deposit it their income through using this head too. The Bangladesh Bank (BB) acts the banker to the government although there exists distinction between Consolidated Fund and Public Account, in effect cash balance of the Government is one and that lies with the Bangladesh Bank. The Accounting Offices issue cheque in favour of the parties/person's and then the cheques are finally drawn from the (now Central Reconciliation Unit) fore reconciliation and outside the presidency where there are no branches of BB Sonali Bank acts as the Banker to the Government Cheques issued by the Accounting Offices and drawn on the Sonali Bank afterwards are sent back to the concerned Accounting Offices for reconciliation. The Thana, District and Chief Accounts Officers record each and every transaction of the government as the initial accounts where it is applicable. Initial accounts are recorded under the relevant head of accounts where the transaction is taken place where Upazilla and District Accounts Offices send accounts as usual by the 10th of the following month. The DCA Offices subsequently classify the detailed accounting information under the respective head of accounts and propel it to the CGA by the 20th of that month. On the other side, self-drawing Departments transmit their accounts to the CAO of their respective ministries. Along with those, the CAO Office prepares initial accounts of the presidency, classify and consolidate the accounts within the purview of its ministry's boundaries and then send the accounts to the CGA by 20th of the following month. They also send the accounts to their respective Principal Accounting Officer/Secretary of Ministry or Division. CGA Prepares consolidated accounts based on the accounting data supplied by the CAO and DCA's. Similar procedure is followed in the accounting units of the Defense Finance and Railway so far as flow of accounts is concerned. In respect of preparation of the Finance Accounts and the Appropriation Accounts of the Defence Ministry and the Railway Department, the CGDF and the ADGFR respectively play the key role. The monthly Accounts prepared and maintained by the Accounts Officers of the government are the basis of Finance Accounts and the Appropriation Accounts. The following criteria are the factor which is worth noting.
News the best top 10 >>> Read more...
- Mood:
happy - Music:Muse
Whether you are starting fresh or returning to college after a hiatus, it can be a little daunting. Most people think of "college" as a place filled with 18-22 year olds and if you are older, yikes.
While college is still a straight-out-of-high-school endeavor for many people, more and more adults, or "non-traditional students", are going to college each year and the trend is rising as a college education becomes more necessary for really good jobs.
Whatever your motivation and reasons for going back to school - to start a career, change careers, or just to take some classes in an area that interest you - the following tips can make your experience smoother and the transition back to college easier.
1. Do less than the maximum. Unless you have to, do not take the maximum load of classes in your first semester. Most students take 15 hours, but even with a student loan, the minimum requirement is usually only 12. Start out a little more slowly to give your self a chance to really get used to school. This may seem like a waste of time, but even if you go a little more slowly, you will find that you are not as stressed and can do better when you don't overload yourself.
2. Take breaks. Don't spend all of your available study time studying! You may really need to study a lot, but chances are that by taking 30 minutes to take a walk or spend time with your kids can really rejuvenate your brain and help you absorb the material you are studying once you go back to it.
3. Be a part of things Most schools have student associations, maybe even a group for adult students. There are many other clubs and groups as well that you can be part of. You may find your time limited, but take part in as much as you can because you will find that you enjoy your time in college much more if you spend part of it making friends and being involved on campus.
4. Take the classes you dread In fact, take them first. It's like the old saying if you have to eat a frog each day it's better to eat it first thing in the morning. Take the classes you think you will hate and get them out of the way. You may find that they were not as bad as you thought but if they are, at least you have them over and done and you don't have to worry about them for the rest of your time at school.
5. Enjoy every minute This is the most important tip anyone can give you. Whether you go to college at 18 or 81, enjoy it! College is not just about learning. That is the main point of course, but it is also a time to enjoy the activities, the people, the community and everything it has to offer. Spend your time in college enjoying college, no matter how old you are.
Congratulations on your decision to return to school. It may be the biggest step you have taken in a while but if you follow these tips, you will do just fine.
More info about >>> Read more...
While college is still a straight-out-of-high-school endeavor for many people, more and more adults, or "non-traditional students", are going to college each year and the trend is rising as a college education becomes more necessary for really good jobs.
Whatever your motivation and reasons for going back to school - to start a career, change careers, or just to take some classes in an area that interest you - the following tips can make your experience smoother and the transition back to college easier.
1. Do less than the maximum. Unless you have to, do not take the maximum load of classes in your first semester. Most students take 15 hours, but even with a student loan, the minimum requirement is usually only 12. Start out a little more slowly to give your self a chance to really get used to school. This may seem like a waste of time, but even if you go a little more slowly, you will find that you are not as stressed and can do better when you don't overload yourself.
2. Take breaks. Don't spend all of your available study time studying! You may really need to study a lot, but chances are that by taking 30 minutes to take a walk or spend time with your kids can really rejuvenate your brain and help you absorb the material you are studying once you go back to it.
3. Be a part of things Most schools have student associations, maybe even a group for adult students. There are many other clubs and groups as well that you can be part of. You may find your time limited, but take part in as much as you can because you will find that you enjoy your time in college much more if you spend part of it making friends and being involved on campus.
4. Take the classes you dread In fact, take them first. It's like the old saying if you have to eat a frog each day it's better to eat it first thing in the morning. Take the classes you think you will hate and get them out of the way. You may find that they were not as bad as you thought but if they are, at least you have them over and done and you don't have to worry about them for the rest of your time at school.
5. Enjoy every minute This is the most important tip anyone can give you. Whether you go to college at 18 or 81, enjoy it! College is not just about learning. That is the main point of course, but it is also a time to enjoy the activities, the people, the community and everything it has to offer. Spend your time in college enjoying college, no matter how old you are.
Congratulations on your decision to return to school. It may be the biggest step you have taken in a while but if you follow these tips, you will do just fine.
More info about >>> Read more...
- Mood:lively
- Music:Arctic Monkeys
The Times Of India has launched an e paper which can easily viewed on web browser. The most significant thing about this e paper is that the electronic version will be the exact replica of the print edition.
To view this e paper visit epaper.timesofindia.com. You will be asked to choose the city. Select the appropriate city and submit. Select your internet connection type and taken to the e paper, where you will see the exact mirror image of the print edition except that the sections and columns on the page are clickable. . Clicking on a section you can get more detailed information.
Not only The Times Of India, the e paper of Economic Times and Mumbai Mirror too can be read online.
You can also search the archives for past editions of newspaper on the website.
Americano new top 10 >>> Read more...
To view this e paper visit epaper.timesofindia.com. You will be asked to choose the city. Select the appropriate city and submit. Select your internet connection type and taken to the e paper, where you will see the exact mirror image of the print edition except that the sections and columns on the page are clickable. . Clicking on a section you can get more detailed information.
Not only The Times Of India, the e paper of Economic Times and Mumbai Mirror too can be read online.
You can also search the archives for past editions of newspaper on the website.
Americano new top 10 >>> Read more...
- Mood:friends
- Music:Eminem
Cash back credit cards prove helpful, while shopping online for products. They complement cash back shopping. You may expect easy cash flow by such credit cards, and thus make some online income. Recently, people opt to purchase products on credit. Credit cards come with reward programs for cardholders. Those searching for mere credit cards need to consider owning cash back credit cards, as they offer many benefits.
It is advisable you bear in mind few factors, while deciding a right credit card to meet your purchasing needs. The following tips guide you on certain things worth considering, while searching for cash back credit cards.
Tips
See to it the rate of interest charged by the credit card issuer is affordable. Most of the credit card companies publicize introductory charges as limited period offer. The charges may last up to a year. If your credit history has an excellent track record, search for an introductory offer starting at 0%. This proves beneficial, if you intend to purchase items in bulk quantities. It simply adds to your financial gains.
Be it purchasing computer system, spending on car repairs or traveling to family reunion, it is always better to opt for credit cards at 0% introductory rate. As an aid to cash back shopping, some credit card issuers even offer better rates on balance transfer. It allows the cardholders to save money. Other than introductory rates, consider ongoing interest rates of introductory offers.
An introductory offer either with less or zero interest rate is great for saving money. The ongoing interest rate has to be low, otherwise chances are you may spend enough money on making monthly payments as for the use of cash back credit cards. It is best to know the annual fees as for using the card, beforehand. Do not opt for a card, which comes with annual fees, if you have a good credit history.
Other tips
While applying for cash back credit card to fulfill your cash back shopping needs, it is recommended you read the contract carefully and thoroughly regarding the credit card. Credit card issuers offer reward programs to their cardholders. The rewards are cash back, airline miles and cash back points. You may redeem the cash back points for purchase of goods. The points are allocated according to the stipulations by the credit card issuer.
If you select a cash back credit card, which helps you to score some airline miles, consider whether the points are redeemable. The benefits of cash back vary according to the purchases you make. For cash back shopping, many credit cards offer high rates against purchases on groceries, gas and drugs.
Overview
Cash back credit cards are the perfect companion, when it comes to shopping online. There are many benefits of using a cash back credit card. Cash back shopping is inclusive of the benefits. Cardholders need to use cash back credit cards properly and avoid cash withdrawal, as it minimizes the chances of cash back.
Americano top 10 >>> Read more...
It is advisable you bear in mind few factors, while deciding a right credit card to meet your purchasing needs. The following tips guide you on certain things worth considering, while searching for cash back credit cards.
Tips
See to it the rate of interest charged by the credit card issuer is affordable. Most of the credit card companies publicize introductory charges as limited period offer. The charges may last up to a year. If your credit history has an excellent track record, search for an introductory offer starting at 0%. This proves beneficial, if you intend to purchase items in bulk quantities. It simply adds to your financial gains.
Be it purchasing computer system, spending on car repairs or traveling to family reunion, it is always better to opt for credit cards at 0% introductory rate. As an aid to cash back shopping, some credit card issuers even offer better rates on balance transfer. It allows the cardholders to save money. Other than introductory rates, consider ongoing interest rates of introductory offers.
An introductory offer either with less or zero interest rate is great for saving money. The ongoing interest rate has to be low, otherwise chances are you may spend enough money on making monthly payments as for the use of cash back credit cards. It is best to know the annual fees as for using the card, beforehand. Do not opt for a card, which comes with annual fees, if you have a good credit history.
Other tips
While applying for cash back credit card to fulfill your cash back shopping needs, it is recommended you read the contract carefully and thoroughly regarding the credit card. Credit card issuers offer reward programs to their cardholders. The rewards are cash back, airline miles and cash back points. You may redeem the cash back points for purchase of goods. The points are allocated according to the stipulations by the credit card issuer.
If you select a cash back credit card, which helps you to score some airline miles, consider whether the points are redeemable. The benefits of cash back vary according to the purchases you make. For cash back shopping, many credit cards offer high rates against purchases on groceries, gas and drugs.
Overview
Cash back credit cards are the perfect companion, when it comes to shopping online. There are many benefits of using a cash back credit card. Cash back shopping is inclusive of the benefits. Cardholders need to use cash back credit cards properly and avoid cash withdrawal, as it minimizes the chances of cash back.
Americano top 10 >>> Read more...
- Mood:sentimental
- Music:Queen
Leaving school, getting a new job, or even a raise at your current one, has most people considering their next great purchase. Few think about the affect this could have on their future. Rather than pay down the debt they carry, many ponder, What can I buy now? The greatest purchase anyone can make is their future.
Each year as you live your life, the proper choices would have you possessing a greater net worth at the end of the year than you had at the beginning. What happens though, is you usually find yourself further in debt. The balances on your credit cards are higher. You bought a new car. You needed more toys for the home.
This is not how you purchase your future. You pay all your bills, except for one. Your future does not submit an invoice; you never receive a statement. Even though it does not demand an interest payment, the longer you give no heed to the purchase of your future the more it will cost you. Your future has no advocate, except you, you cant continue to ignore it.
You gladly pay on debt, mostly for items that lose their value, or had none in the beginning. These are payments which if properly directed could easily purchase your future and secure some peace of mind.
It is important to note some disturbing trends. Recent news stories point to large companies who are in trouble going to the courts to eliminate the need to fund the retirement plans for their employees. Under-funding of pension plans has been a problem for years. The money simply will not be there when many are ready to begin drawing on it.
Then, recently Alan Greenspan, the chairman of the Federal Reserve Bank, said the congress needed to get serious about cutting back Social Security and Medicare. Where does the money for your future come from? Apparently not from there either.
You need to look in the mirror. The person you see there is your only hope. It is the person looking back that will either ensure or sabotage you future. Can you depend on the reflection to get rid of the overhang of debt in your life? It is your only chance. But you cannot wait, you must do it now.
It reminds me of the movie from a few years ago, Hunt for Red October.
You might remember the scene where the American officers have just come onboard the Russian sub. In the process of turning over his ship, the sub is attacked by another Russian sub. With Americans at the helm and on the sonar station the Russian sub captain assumes command. He orders the sub turned toward the direction of the fired torpedo and moves toward it.
The American officer is yelling and threatening the sailors. He is certain this is not the course of action to follow. However they obey the instructions of the Russian officer. They meet the torpedo head on and it bounces harmlessly off the hull of the sub.
The American officer realizes what has happened. They were able to close the distance with the torpedo before it had a chance to arm itself. Upon reflection, his response was two words, Combat Tactics.
How does this apply to you? You need to meet your debt head on, not run from it. Take care of it before it has the capacity to destroy you. Even with family members screaming and threatening you need to turn your ship to decrease the distance debt stretches in your future and assume Combat Tactics.
This is a great challenge. Thats why you should carefully decide how you spend your money. It is why you need to track your spending. It is why you should engage in aggressively paying down your debt. These things are Combat Tactics against debt. When that battle is over they can become your peacetime policy to purchase and ensure your future.
News the best top 10 >>> Read more...
Each year as you live your life, the proper choices would have you possessing a greater net worth at the end of the year than you had at the beginning. What happens though, is you usually find yourself further in debt. The balances on your credit cards are higher. You bought a new car. You needed more toys for the home.
This is not how you purchase your future. You pay all your bills, except for one. Your future does not submit an invoice; you never receive a statement. Even though it does not demand an interest payment, the longer you give no heed to the purchase of your future the more it will cost you. Your future has no advocate, except you, you cant continue to ignore it.
You gladly pay on debt, mostly for items that lose their value, or had none in the beginning. These are payments which if properly directed could easily purchase your future and secure some peace of mind.
It is important to note some disturbing trends. Recent news stories point to large companies who are in trouble going to the courts to eliminate the need to fund the retirement plans for their employees. Under-funding of pension plans has been a problem for years. The money simply will not be there when many are ready to begin drawing on it.
Then, recently Alan Greenspan, the chairman of the Federal Reserve Bank, said the congress needed to get serious about cutting back Social Security and Medicare. Where does the money for your future come from? Apparently not from there either.
You need to look in the mirror. The person you see there is your only hope. It is the person looking back that will either ensure or sabotage you future. Can you depend on the reflection to get rid of the overhang of debt in your life? It is your only chance. But you cannot wait, you must do it now.
It reminds me of the movie from a few years ago, Hunt for Red October.
You might remember the scene where the American officers have just come onboard the Russian sub. In the process of turning over his ship, the sub is attacked by another Russian sub. With Americans at the helm and on the sonar station the Russian sub captain assumes command. He orders the sub turned toward the direction of the fired torpedo and moves toward it.
The American officer is yelling and threatening the sailors. He is certain this is not the course of action to follow. However they obey the instructions of the Russian officer. They meet the torpedo head on and it bounces harmlessly off the hull of the sub.
The American officer realizes what has happened. They were able to close the distance with the torpedo before it had a chance to arm itself. Upon reflection, his response was two words, Combat Tactics.
How does this apply to you? You need to meet your debt head on, not run from it. Take care of it before it has the capacity to destroy you. Even with family members screaming and threatening you need to turn your ship to decrease the distance debt stretches in your future and assume Combat Tactics.
This is a great challenge. Thats why you should carefully decide how you spend your money. It is why you need to track your spending. It is why you should engage in aggressively paying down your debt. These things are Combat Tactics against debt. When that battle is over they can become your peacetime policy to purchase and ensure your future.
News the best top 10 >>> Read more...
- Mood:confident
- Music:Gorillaz
I have spent two whole days processing new donations, and yet it doesn't look like I've done anything!
I sewed tags into textiles that had been cataloged by my volunteers, so I could move new textile donations that had been lying around on carts onto the rack in the Accessions Office. So I cleaned half of it off, and filled it right back up! (My new intern will have plenty to do come January!)
I am trying to get my workspace in order, because there is no place to work. Which sort of defeats the purpose of a "workspace" doesn't it?
HAPPY THANKSGIVING to all. Have a safe and happy holiday.
And I'll see you at the museum on FRIDAY for all of our Day After Thanksgiving activities!.
See more: >>> Read more...
I sewed tags into textiles that had been cataloged by my volunteers, so I could move new textile donations that had been lying around on carts onto the rack in the Accessions Office. So I cleaned half of it off, and filled it right back up! (My new intern will have plenty to do come January!)
I am trying to get my workspace in order, because there is no place to work. Which sort of defeats the purpose of a "workspace" doesn't it?
HAPPY THANKSGIVING to all. Have a safe and happy holiday.
And I'll see you at the museum on FRIDAY for all of our Day After Thanksgiving activities!.
See more: >>> Read more...
- Mood:friends
- Music:Death Cab for Cutie
Department of Justice makes arrest of Bernard Madoff late Thursday.
According to Wikipedia www.wikipedia.org, a Ponzi scheme is a fraudulent investment operation that involves promising or paying abnormally high returns () to investors out of the money paid in by subsequent investors, rather than from net revenues generated by any real business.
News >>> Read more...
According to Wikipedia www.wikipedia.org, a Ponzi scheme is a fraudulent investment operation that involves promising or paying abnormally high returns () to investors out of the money paid in by subsequent investors, rather than from net revenues generated by any real business.
News >>> Read more...
- Mood:humorous
- Music:Radiohead
Its not just when youre too busy to manage your own campaigns that professional PPC management really begins to pay off.
Bigmouthmedias Pay per Click management service ensures that your campaigns are targeted, affordable, and accountable. The best thing about paid search is you can see exactly what your return on advertising spend is at the click of a mouse, as well as building brand presence on leading search engines. We make sure your bids are strategic and the return is monitored on a 24/7 basis.
At bigmouthmedia, our clients are ensured hands-on campaign management. Automated bid management compliments your campaign - not just replaces a real life human PPC strategist! Our advanced reporting ensures we dont just give you results but also analysis, trends and constant recommendations to maximize your ROI on every click. We pay close attention to the details, freeing you to run your business.
We will get your campaign rolling on Google, Yahoo! Search, MSN and MIVA, - the heavyweight suppliers in the PPC marketplace. Our teams currently run accounts across 64 countries and 19 languages - from Chinese to Cockney.
If you are used to being hands on yourself then dont worry - we believe that the data in our campaigns belongs to the client. This means that we are happy to provide full visibility and your own login.
See more: >>> Read more...
Bigmouthmedias Pay per Click management service ensures that your campaigns are targeted, affordable, and accountable. The best thing about paid search is you can see exactly what your return on advertising spend is at the click of a mouse, as well as building brand presence on leading search engines. We make sure your bids are strategic and the return is monitored on a 24/7 basis.
At bigmouthmedia, our clients are ensured hands-on campaign management. Automated bid management compliments your campaign - not just replaces a real life human PPC strategist! Our advanced reporting ensures we dont just give you results but also analysis, trends and constant recommendations to maximize your ROI on every click. We pay close attention to the details, freeing you to run your business.
We will get your campaign rolling on Google, Yahoo! Search, MSN and MIVA, - the heavyweight suppliers in the PPC marketplace. Our teams currently run accounts across 64 countries and 19 languages - from Chinese to Cockney.
If you are used to being hands on yourself then dont worry - we believe that the data in our campaigns belongs to the client. This means that we are happy to provide full visibility and your own login.
See more: >>> Read more...
- Mood:I work
- Music:Iron Maiden
Readers Question:
My husband is already 65 years old. We are wondering if he can still purchase a senior life insurance in Alabama. If so, what type should we be getting?
Jane
Birmingham AL
Yes, he can still buy senior life insurance policy in Alabama as long as he is in good health. There may not be a 30-year term policy but a 10-year term is available in affordable rates. Most of the policy does not require medical exams from the client. However, the requirements vary according to the amount of premium applied for and age and health of the client.
An older person with some health issues and would like to apply a coverage that will not expire can purchase a whole life insurance policy or also called final expense policies. This type of policy is designed for older people. In a simplified issue policy, applicants are asked with a few set of questions about their health. Applicants who are terminally ill and those who need to stay in a nursing home are not accepted.
Guaranteed issue policies, on the other hand can accept everybody as long as the applicant can pay the premium. However, this policy is more costly than the simplified issue policy. In addition, the period of waiting before the full amount of death benefit is received is around 2 to 3 years. In this case, you may want to purchase the simplified issue instead of guaranteed issue policy if you are considering a senior life insurance policy. But unlike simplified issue policy, Guaranteed issue policy. Normally refund premiums that was paid including the interest even though the period of waiting was not satisfied.
Americano new top 10 >>> Read more...
My husband is already 65 years old. We are wondering if he can still purchase a senior life insurance in Alabama. If so, what type should we be getting?
Jane
Birmingham AL
Yes, he can still buy senior life insurance policy in Alabama as long as he is in good health. There may not be a 30-year term policy but a 10-year term is available in affordable rates. Most of the policy does not require medical exams from the client. However, the requirements vary according to the amount of premium applied for and age and health of the client.
An older person with some health issues and would like to apply a coverage that will not expire can purchase a whole life insurance policy or also called final expense policies. This type of policy is designed for older people. In a simplified issue policy, applicants are asked with a few set of questions about their health. Applicants who are terminally ill and those who need to stay in a nursing home are not accepted.
Guaranteed issue policies, on the other hand can accept everybody as long as the applicant can pay the premium. However, this policy is more costly than the simplified issue policy. In addition, the period of waiting before the full amount of death benefit is received is around 2 to 3 years. In this case, you may want to purchase the simplified issue instead of guaranteed issue policy if you are considering a senior life insurance policy. But unlike simplified issue policy, Guaranteed issue policy. Normally refund premiums that was paid including the interest even though the period of waiting was not satisfied.
Americano new top 10 >>> Read more...
- Mood:Joyful
- Music:The Beatles
Slowed responses
An individual with a brain injury may now be slower to answer questions or to perform tasks and may have difficulty in keeping up in conversations. Their capacity to respond quickly in an emergency may also be diminished.
Problem-solving
Individuals with a brain injury might have difficulty solving problems and planning and organising things they have to do. They may encounter trouble with open-ended decision-making and complex tasks need to be broken down into a step-by-step fashion.
Irritability
Individuals may also have a very low tolerance for frustration and can become easily agitated and may lose their temper quickly.
Socially inappropriate behaviour
People with a brain injury may no longer know how to act or behave in in social situations. This can be incredibly difficult for families to understand and cope with, particularly as they may no longer recognise their loved ones and not understand there behaviour.
Communication
A wide range of social skills may be affected by an a traumatic brain injury including the ability to have conversations, to interpret and respond to social cues, to show interest in others, to use humour appropriately, and to regulate the volume and tone of voice.
Depression
Depression in an individual with brain injury is a very common emotional consequence that usually comes some time after the injury. Signs of depression include lack of motivation, loss of sexual drive, sleep disturbance and tearfulness.
Headaches
There are multiple sources of head and neck pain, both inside and outside the head. Headaches arising from a brain injury can be caused by a number of reasons.
Visual problems
Vision and visual functioning is often adversely affected by brain injury. Some of the more common visual systems problems include double vision, rapid eye movement and near-sightedness.
Hearing problems
Hearing problems can occur for a number of reasons, particularly when the inner ear and/or temporal lobes have been damaged.
A traumatic brain injury is often called the invisible disability. As there are frequently no outward physical signs of a disability, effects such as fatigue, lack of initiation, anger, mood swings and egocentricity may be seen simply as bad personality traits by others. It is easy to see why a traumatic brain injury can be such a devastating disability, especially when the disability is not obvious to others.
The Injury Lawyers are expert professionals who deal with all types of personal injury claims.
News >>> Read more...
- Mood:bright
- Music:The Beatles
Hey, if you can get your friends, families, and those you plan to buy holiday gifts for to wait until after the holidays, then youll save money and as well as spend less on the purchased gifts.
Now granted, you might not get your hands on limited time offers and products, but in the long run, youll be financially better off. You will have made it into the new year without spending money. This is important due to the fact that you begin to see and hear of individuals who over spend and utilized too much credit. In turn, this should help you curb your spending and set you off to a good start in the new year.
Waiting until after holidays is more than just about the gifts you buy today, but it is about the gift you offer yourself and other tomorrow: financial freedom and security.
Americano new top 10 >>> Read more...
Now granted, you might not get your hands on limited time offers and products, but in the long run, youll be financially better off. You will have made it into the new year without spending money. This is important due to the fact that you begin to see and hear of individuals who over spend and utilized too much credit. In turn, this should help you curb your spending and set you off to a good start in the new year.
Waiting until after holidays is more than just about the gifts you buy today, but it is about the gift you offer yourself and other tomorrow: financial freedom and security.
Americano new top 10 >>> Read more...
Are There Any Car Insurance Bargains Left Out There?
Choosing The Best Online Car Insurance Deals
Decent car insurance bargains for a new dream car are a bit of challenge.
Choosing the best online car insurance deals can be extremely challenging for any individual today. In reality, the search for cheap insurance frustrates many people. The reason behind this is that the marketplace is extremely competitive, with various financial institutions trying to outdo its competitors with great deals and discounts. In order to get a good car insurance bargain, it is important to consider the type of coverage that you are required to have and what you want to have. Simply browsing the offers can have you umming and ahhing for hours over which one to choose.
For instance, basic third party insurance covers the cost of damage to the vehicle, which is also a legal requirement for many states. However, the best online car insurance deals are not always the ones that appear to have the best offers attached. Although, it is a cheaper option, it rarely offers enough protection on anything more than what actually causes damage to the vehicle.
In fact, you have to really look beyond the surface to find the best online car insurance deals. This means that, in case of a third party insurance providing agency, there are high chances that the car owner has to shell out money from his or her own pocket. As with any other insurance policy available out there, the best online car insurance deals should suit the wants and needs of the individuals.
It is better, if people on a tight budget look beyond the third party and opt for comprehensive car insurance. 10% discounts and no claims bonuses can attract consumers, but the question of whether the policy will do everything that it is required to do determines whether or not the offer associated is a good deal. Unlike third party insurance, it provides complete coverage for damages to cars in the event of any accident.
In order to separate the best online car insurance deals for you from the worst possible options, try making a list of your requirements. It is important to shop around to find out where to obtain add-on benefits such as the use of a replacement car, while it undergoes maintenance. If you have an older car then it may be an idea to choose a policy that has no special safety standards or requirements, for example.
People, who plan to use the vehicle for occasional business purposes, have to ensure the coverage for accidents that happen outside the domestic and social routine, unless explicitly mentioned in the agreement. There is actually a specialist website out there that can help to find the best online car insurance deals out there for you, which would save you the time necessary to find them manually. In such an event, an additional policy may be beneficial or even a requirement. In fact, the site may even come up with options that you had not considered before.
News >>> Read more...
Choosing The Best Online Car Insurance Deals
Decent car insurance bargains for a new dream car are a bit of challenge.
Choosing the best online car insurance deals can be extremely challenging for any individual today. In reality, the search for cheap insurance frustrates many people. The reason behind this is that the marketplace is extremely competitive, with various financial institutions trying to outdo its competitors with great deals and discounts. In order to get a good car insurance bargain, it is important to consider the type of coverage that you are required to have and what you want to have. Simply browsing the offers can have you umming and ahhing for hours over which one to choose.
For instance, basic third party insurance covers the cost of damage to the vehicle, which is also a legal requirement for many states. However, the best online car insurance deals are not always the ones that appear to have the best offers attached. Although, it is a cheaper option, it rarely offers enough protection on anything more than what actually causes damage to the vehicle.
In fact, you have to really look beyond the surface to find the best online car insurance deals. This means that, in case of a third party insurance providing agency, there are high chances that the car owner has to shell out money from his or her own pocket. As with any other insurance policy available out there, the best online car insurance deals should suit the wants and needs of the individuals.
It is better, if people on a tight budget look beyond the third party and opt for comprehensive car insurance. 10% discounts and no claims bonuses can attract consumers, but the question of whether the policy will do everything that it is required to do determines whether or not the offer associated is a good deal. Unlike third party insurance, it provides complete coverage for damages to cars in the event of any accident.
In order to separate the best online car insurance deals for you from the worst possible options, try making a list of your requirements. It is important to shop around to find out where to obtain add-on benefits such as the use of a replacement car, while it undergoes maintenance. If you have an older car then it may be an idea to choose a policy that has no special safety standards or requirements, for example.
People, who plan to use the vehicle for occasional business purposes, have to ensure the coverage for accidents that happen outside the domestic and social routine, unless explicitly mentioned in the agreement. There is actually a specialist website out there that can help to find the best online car insurance deals out there for you, which would save you the time necessary to find them manually. In such an event, an additional policy may be beneficial or even a requirement. In fact, the site may even come up with options that you had not considered before.
News >>> Read more...
- Mood: energetic
- Music:Muse
People often buying a second home or holiday home in Europe or the UK are usually offered insurance cover by a broker, insurer or their foreign agent or notary. It may well be far too easy to say "yes", but the policy they offer you may not be suitable for you due to the particular requirements needed for a second home or holiday home.
With the risks of owning a second home abroad or in the UK being that much greater than your main home or residence, there is a real call for a second home insurance policy that is written in easy to understand English, that pays specific attention to the particular requirements for holiday homes, and that also has wide coverage.
Your holiday property insurance should also ensure that all local taxes on overseas properties are included within the premium. Buildings and Contents cover should be flexible so that owners do not end up paying for cover that they do not need. Not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore overseas home insurance cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies should be included as standard.
The true value of any insurance is however only fully appreciated when a claim is made. You should be able to speak directly to experienced English staff that will provide assistance and be fully responsible for liaising with the overseas loss adjusters. Holiday home owners who own a property overseas and have overseas holiday home insurance should be spared the difficulties of discussing their claim with a foreign agent via a continental telephone call.
Although low premium rates are often of importance, the overseas house insurance cover should be simple to understand, offer a high level of security and in the event of a claim a satisfactory result. You might think that the best thing to go for is cheap holiday home insurance, but you really need to ask yourself whether you are really that well covered with the cheapest policy?
It is essential that you get the correct property insurance to suit the specialized requirements needed for your holiday home. Using an insurance agent who does not specialize in, or fully understand the requirements of your holiday home or let property, you may find that you do not have adequate cover to fully protect your holiday home. You must get specialist overseas holiday property insurance. And you must get insurance for buildings and contents designed exclusively for properties used as holiday homes or let for holiday use.
What restrictions are in place when letting and un-occupancy etc? Do you have cover for legal liability for domestic employees? And most important of all what do you do in the event of a claim? As an owner of a holiday home abroad, it is vital that you fully understand the extent and limitations of your insurance policy.
If your holiday home insurance policy has been placed through an insurance agent or notary in the following countries: UK, Spain, France, Portugal, Italy, Cyprus Greece, Ireland, Malta, Monaco or Andorra, it is more likely that they have not informed you and that you simply do not know.
Top 10 >>> Read more...
With the risks of owning a second home abroad or in the UK being that much greater than your main home or residence, there is a real call for a second home insurance policy that is written in easy to understand English, that pays specific attention to the particular requirements for holiday homes, and that also has wide coverage.
Your holiday property insurance should also ensure that all local taxes on overseas properties are included within the premium. Buildings and Contents cover should be flexible so that owners do not end up paying for cover that they do not need. Not every property has a swimming pool. Certain features are considered to be of vital importance, and therefore overseas home insurance cover for loss of use, legal liability for domestic staff, public liability and accidental damage to domestic supplies should be included as standard.
The true value of any insurance is however only fully appreciated when a claim is made. You should be able to speak directly to experienced English staff that will provide assistance and be fully responsible for liaising with the overseas loss adjusters. Holiday home owners who own a property overseas and have overseas holiday home insurance should be spared the difficulties of discussing their claim with a foreign agent via a continental telephone call.
Although low premium rates are often of importance, the overseas house insurance cover should be simple to understand, offer a high level of security and in the event of a claim a satisfactory result. You might think that the best thing to go for is cheap holiday home insurance, but you really need to ask yourself whether you are really that well covered with the cheapest policy?
It is essential that you get the correct property insurance to suit the specialized requirements needed for your holiday home. Using an insurance agent who does not specialize in, or fully understand the requirements of your holiday home or let property, you may find that you do not have adequate cover to fully protect your holiday home. You must get specialist overseas holiday property insurance. And you must get insurance for buildings and contents designed exclusively for properties used as holiday homes or let for holiday use.
What restrictions are in place when letting and un-occupancy etc? Do you have cover for legal liability for domestic employees? And most important of all what do you do in the event of a claim? As an owner of a holiday home abroad, it is vital that you fully understand the extent and limitations of your insurance policy.
If your holiday home insurance policy has been placed through an insurance agent or notary in the following countries: UK, Spain, France, Portugal, Italy, Cyprus Greece, Ireland, Malta, Monaco or Andorra, it is more likely that they have not informed you and that you simply do not know.
Top 10 >>> Read more...
- Mood: energetic
- Music:The Doors
I find myself wondering if we shouldn't place limits the boundless capitalism that seems to be fuelled by boundless greed of the richer individuals of this planet. Once you have enough it should be made very difficult to engage masses of individuals in bidding wars to work for you at sub-survival rates.
When I see the absurd contracts poor workers enter into when working in extremely rich countries; I dispair at the limitless greed of some and their ability to prey on those living in missmanaged countries. Isn't it illegal to overcharge for water just because of local disaster? Isn't it illegal to underpay someone just because his local government is a disaster.
See more: >>> Read more...
When I see the absurd contracts poor workers enter into when working in extremely rich countries; I dispair at the limitless greed of some and their ability to prey on those living in missmanaged countries. Isn't it illegal to overcharge for water just because of local disaster? Isn't it illegal to underpay someone just because his local government is a disaster.
See more: >>> Read more...
- Mood: energetic
- Music:Green Day
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If you are looking for content to add to your websites, newsletters or eZines, Fresh Squeezed Articles has fresh and quality articles available on a wide range of topics.
If you want to share your knowledge with the world and promote yourself, your products or your services, this is the place to do it.
Americano news >>> Read more...
- Mood:whimsical
- Music:Madonna
