Identity Theft is the term that is used to describe all types of crime where the criminal illegally takes and uses the victim’s personal information in a manner that involves deception or lying for personal, business or economic gain. This type of crime is hard to detect and even harder to solve, and identity theft is one of the fastest growing criminal activities in the United States.
Not only are identity theft crimes difficult to prosecute, it takes time to research, track down witnesses, and put it all together sometimes takes years. While most of these crimes are easily detected credit card fraud, some of these criminals do not even go this route and just assume your name and personal history to use it for themselves.

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Insurance policy can help your family during tough times.by Todd MartinWe live in a world of uncertainty. You never know if this is the day when youll wreck your car, or take a tumble down the stairs and break a leg. Its clearly prudent to be prepared for such accidents. Although we dont ponder, nor contemplate these notions on a regular basis, its good to have a back-up plan just the same. In other words, we should all have some kind of health insurance.

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Virtual Debit Card - from paypal
Those of you that are jealous of the Visa throwaway credit card that creates a new unique one-time use number for your online transactions can stop worrying, anyone can now get on the fun! Paypal will offer this service FREE to all users once it leaves beta, meaning youll have alot less headache worrying about credit card theft and security.

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Here comes an easy to apply marketing-tip: Learn the difference between facts and benefits and and communicate benefits!
One of the main mistakes most business owners make, when it comes to selling what they offer is that they commicate facts instead of benefits.
Unfortunately, when it comes time to writing salescopy (the words on a sales site), most of small business owners focus on the features of their product or service in other words, what it does, how it operates, or what it looks like.
If you want to increase your conversion rate then you have to learn the difference between facts and benefits.
Good salescopy doesnt focus on the features of the PRODUCT it focuses on the USER, and how he or she will benefit from using the product.
* A FEATURE is what your product has or does.
* A BENEFIT is how your product improves the life of the user. In other words, a benefit is an answer to the question, s in it for ME?
Still having trouble distinguishing between the two?
I make it simple for you: Just ask yourself: Did you buy a car with air conditioning just because it had air conditioning or because it would keep you cool and comfortable on hot days?
Here are some examples of features and their corresponding benefits:
* Feature: Deluxe Autowasher reduces use
* Benefit: You save money!
* Feature: You can wash, wax, and rinse with the same unit.
* Benefit: You save countless hours every month because its just so darned easy to use!
* Feature: Healthy cereals with vitamins and minerals.
* Benefit: Health and Wellbeing.
Do see where Im going with all this?
Benefits are not quality and service or They are the answer to s in it for me? or Why should I keep reading? or How will buying this make MY life better?
People dont want shampoo they want attractive, great-looking hair.
Mothers dont buy cornflakes, they want health for there families.
By offering benefits instead of features, you will create a higher perceived value, and definitly increase reader interessed which ultimatly will translate into MORE SALES.
And thats a HUGE benefit for you!
If you like this article, here you find more marketing-tips
To your success.

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Welcome to Tampa Classifieds FREE Online Classifieds and Tampa Bay's Business Directory with Links to the Best of Tampa Bay Real Estate, Restaurants, Local Jobs and more. List your items for Sale, Real Estate Listings, Car or Truck for Sale, with Photos, RSS Feeds to Multiple Sites, Email Alerts, Private Replies and Statistics Viewed. Tampa Classifieds are Always Free with options to upgrade for Premium Ads.

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This is the full transcript of Chee Siok Chins cross-examination of Lee Hsien Loong. As a watcher on the public gallery, there were two things of note -* Lee Hsien Loongs eyes darted towards his counsel ever so often when an awkward question was posed.* Lee Kuan Yew was not in court during most of the exchange. He arrived and took the seat just as his son was prompted by his counsel Davindar Singh to explain an earlier answer.But first, some updates :Chee Soon Juan and Chee Siok Chin have been released from prison after serving 11 and 10 days respectively for contempt of court. Visit SDP for updates. Video here.Gopalan Nair has written his first blog entry since his arrest and detention two weeks ago.Interesting new blog - It keeps tabs on the physical and mental health of Lee Kuan Yew, and makes a pretty valid case of why his passing will be crucial to Singapores future.Chee Siok Chin : Good morning, Mr Lee.Lee Hsien Loong : Good Morning.CSC : Mr Lee, I hope you do realise that Senior Counsel is making you look rather bad for objecting to almost every question that was raised by the second defendent. He is now saying that he took the decision to strike out our AEIC himself. I have that -Davindar Singh : Miss Chee should not misunderstand or misinterpret what I said -CSC : He is making you look as if you cannot hold your own in court.Singh : What I said and its on the record -CSC : My first question to you, Mr Lee is -Singh : Is that I advised the clients -CSC : How long have you been the Prime Minister? How long have you held office as Prime Minister of Singapore?LHL : Since August 2004.CSC : So thats almost 4 years?LHL : Yes.CSC : And during these 4 years as the Prime Minister, how many defamtion suits have you filed or initiated?(Pause)Singh : Your honour, whats the relevance of that?CSC : Mr Singh, please. Let your -Singh : I do object on the basis of relevance, your honour.Judge Belinda Ang : Sustained.CSC : Would I be right to say that youve initiated 2, if not 3, defamation suits whilst in office as Prime Minister?Singh : Objection based on relevance, your honour.Judge : Sustained.CSC : As the leader of the country, Mr Lee, do you believe that its your job is to look after the development of the people i.e. ensuring that Singaporeans are fed, that no one has to beg for a living, no left is left homeless, every child gets to have the opportunity to go to school, so on and so forth?LHL : Your honour, this is not the place to read a political manifesto.CSC : Im asking you as the leader of the country, just try to answer yes or no. Dont try to avoid the question.Singh : Can I know, your honour, the relevance of the question?CSC : It goes into assessing Mr Lees claim for damages because if he says that hes done -Singh : Your -CSC : Wait, sit down, Ive not finished. He is going to say that hes worth so much and so much because of what hes done for the country. And so this question is very relevant when it comes to assessing the quantum of damages that he will be demanding for.Singh : Its not relevant, your honour, because it goes to specific instances. As your honour knows from the decision in Latle and Schpedel (check spelling) which went all the way to the House of Lords, you can give evidence of general reputation, good or bad, but you cannot go into specific instances.CSC : Are you allowing the question?Judge : Sustained. Disallowed.CSC : Mr Lee, you had said in your testimony yesterday that the responsibility of the Prime Minister is to know the pulse of the people in the country, and if they are unhappy. Do you agree?LHL : Yes.CSC : And do you feel that you can feel that pulse?LHL : I try my best.CSC : What do you think that pulse tells you?Singh : Relevance, your honour?Judge : Explain yourself, Miss Chee.CSC : Your honour, as the Prime Minister who says that -Judge : The relevance of your question to the assessment of damages.CSC : It is important to know the pulse of the people. It goes to show whether or not he knows what is happening on the ground -Judge : Miss -CSC : And that he is fulfilling his job, his duty, as the Prime Minister. I dont see how this is irrelevant when it comes to assessing his character, his merits, his competence, as the Prime Minister?Singh : Your honour, the people of Singapore have already voted the government in with an overwhelming majority. While it would be interesting to have a discussion with Miss Chee on these issues, the question ultimately is how does it goes into the question of assessment of damages?Judge : Question is disallowed.CSC : As the Prime Minister, as the leader of the country, do you know, can you feel it when you come up with policies and people, citizens are unhappy with these policies -Judge : Miss Chee, move on.CSC : Im moving on. Ive just asked another question - whats the irrelevance, whats the shaking of your head mean? You said that a nod doesnt mean affirmative in chambers -Judge : Irrelevant.CSC : Now you shake your head, I need to know to ask you -Judge : Ive just answered you. Move on.CSC : Thank you. Mr Lee, have you been to food centres to eat?LHL : Yes.CSC : Have you seen old, blind, cripppled people selling tissue paper. Have to ever been to public toilets where you see the elderly washing the toilets. In the food centres, do you see people in their 60s, 70s, bent over, collecting dishes to eke out a living? Do you see all that?Singh : Your honour, apart from demonstrating that in Singapore, old people have the dignity of employment, that question is irrelevant to this court.CSC : Dignity of employment?Judge : Sustained.CSC : When you are in your 70s, when you are bent over, when you have to work because the government does not take care of you? Dignity?Judge : Miss Chee -CSC : Youve given a whole new meaning to the word , Mr Singh.Judge : This is not the forum for those sort of questions -CSC : Perhaps you could create your own Oxford, or -Judge : Miss Chee -CSC : Davindar Singhs dictionary. Have you ever taken rides in MRTs, public transport like buses, SMRT, SBS Transit buses, Mr Lee?Singh : Objection, your honour.Judge : Sustained.CSC : Do you know what its like for Singaporeans to squeeze like sardines, smell each others breath in MRTs and have to wait, sometimes for a half hour, for the bus to arrive?Singh : Objection, your honour.Judge : Sustained.CSC : Do you know what it feels like? (Pause) Youve read, Im sure you have, that Singaporeans go across the causeway to buy medicine despite the promise of health care not being denied to every Singaporean, that many Singaporeans find it unaffordable, or too expensive, to get medical health-care treatment in Singapore?Singh : Your honour, again I object and I would just say that all my objections are premised on nothing but the law. My duty is to assist the court in terms of what is and is not relevant, and I would not be discharging my duty if I did not opose and attempt to waste the courts time on irrelevant matters.CSC : Is that question irrelevant?Judge : Ive already said to you, Miss Chee -CSC : No, no, no, he objected it -Judge : That this courtroom is not the proper forum for the questions you have asked.CSC : He objected it but he doesnt make the decision whether its irrelevant or not. But Ive asked the question. You did not say it was sustained until I had to ask you again. Mr Singh stood up, made that objection -Judge : Question is disallowed.CSC : So do I take it that every Mr Singh objects, it is automatic that you sustain his objections?Judge : It depends on your question, Miss Chee.CSC : And so for every question Ive asked has been objected to and youve upheld that -Judge : Because, like Ive said, those questions are not relevant to this courtroom -CSC : But Ive explained to you how relevant it is. Even if its relevant, your honour, it seems to me that you will say that its irrelevant. (Pause) Mr Lee, it has been reported that you are paid $3.7 million a year for your role as Prime Minister. Can you confirm that to this court?Singh : Objection.Judge : Sustained.CSC : Do you know, Mr Lee, that you are the highest paid Prime Minister in the world, 6 times more than George Bush. Your salary is equivalent to 8 leaders in the European countries, do you know that?Singh : Objection, you honour.CSC : Do you know that you are in the Guiness Book Records for the highest-paid prime minister?Singh : Objection, your honour. Your honour, it might assist Miss Chee -CSC : Then -Singh : If she looks at our written assessment on the assesssment of damages for the striking out of our affidavit, it does set out what under law is permissable as cross-examination -CSC : You have used the law -Singh : And the reason -CSC : To thwart this entire proceeding. I have a few more minutes so please sit down so that I can continue with my questions.Singh : The reason I do this is because she has a few more minutes and I dont want her to throw those minutes away.CSC : Thank you very much. Thank you for your consideration. That is the first consideration youve shown in court, albeit one thats veiled.Singh : There -CSC : So please sit down. Let me continue with my questioning.Singh : There are relevant areas that she can inquire into.CSC : Mr Lee, this trial today is about assessing damages that you will be demanding for. Tell me, how do you assess your worth? Do you assess it according to how much you are paid? How do you assess your worth?Singh arose.CSC : Let Mr Lee - he was about to open his mouth and answer it. Please, Mr Singh, you are really making your client look very bad, very very bad.Singh : Your honour, I just want to say this before the witness respond that Miss Chee may not know but the assessment of damages has nothing to do with ones salary.Judge : Yes.LHL : I leave it entirely to the court to assess how much damages is appropriate. There are principles, there are precedents and the arguments have all been made.CSC : Do you assess your own worth as a public servant? As leader of the country?Judge : Irrelevant.CSC : What are you -(Pause)CSC : Mr Lee, you had said that as Prime Minister, you lead your government based on honesty, integrity, meritocracy and competence. Am I right?LHL : Yes.CSC : Do you believe that cabinet ministers in Singapore, including yourself, have obtained their positions through meritocracy and competence?LHL : This is a system we work. We strive our best to reach the ideal. We are always trying to improve and do better.CSC : Thank you. Do you believe that you were appointed Prime Minister on your own merit, in your own competence?LHL : YesCSC : Do you think that if your father had not been the former Prime Minister of Singapore, and thats none other than Mr Lee Kuan Yew, you would still be the Prime Minister of Singapore today?LHL : It is hypothetical question but I would say yes.CSC : Well, its very good to see the leader of the country so confident. Reassuring, really. Apart from yesterday, Mr Lee, have we ever cross roads before? Have we ever met before?LHL : No, we have not met personally but what I said about your brother Dr Chee Soon Juan applies equally to you.CSC : That would be? Would you care to repeat?LHL : That would be I do not know you as an individual personally but I know your public record, what you have done. It doesnt go back quite as far as your brother in 1992 but its not a short record neither. It extends at least from 1997.CSC : Alright, thank you for answering with so much depth. If you do not know me on a personal basis, how did you come to make this allegation - because these are very strong words, Mr Lee, very strong words, yup? Do you agree with me? Words like , words like . - poisonous, deep-seated hatred, against you if you do not know me? You said yersterday that one of the reasons you had used these words were because we had unfurled this banner that says Free Singapore from the Lees at one of our rallies.LHL : Yes, there are many reasons and one of the other reason, this defamation case - matter came up, everybody who was involved immediately apologize and explained that they had no intention of saying these things and were not even aware that these things were said, but you and Dr Chee insisted that these statements were totally justified and that you were going to prove your case and that you were going to fight through to the bitter end so I conclude that there is a strong sentiment against me.CSC : Yes, yes, but unfortunately you have instructed your counsel to ensure that despite words fight to the bitter end, youve instructed your counsel to ensure that that doesnt happen. Look at all that assessment of damages - all 14 - struck out, AEIC struck out, list of documents struck out, this morning imposing a guillotine which he says that he did it on his own.LHL : Well, unfortunately, there is a process for settling defamation cases. There is a due process. Each side has to make its filings and the pleadings have to show justification on basis for the defamation and if there is no basis, there is a process for them to be struck out and if they are struck out -CSC : You see, we were not given the chance to show -LHL : May I reply, your honour?CSC : That there was a basis -Judge : Yes, please continue.LHL : May I reply, your honour?CSC : That there was no chance for us to show that there was a basis -Judge : Continue, Mr Lee, continue.LHL : Theres a process for dealing with pleadings and defences and for defences to be struck out and if the defence is struck out, for an appeal to be filed, in good time, against the striking out action so that the matter can be abjugated at a higher level and in this case, the striking out was ruled and long periods passed and nothing happened until long after the deadline for filing an appeal has passed and then you and your brother, and the SDP decided to file an appeal many months late -CSC : Mr Lee, I have 5 more minutes. Do not waste my time.LHL : And therefore, this is the process of the law.CSC : Alright, thank you. Obviously, youve regurgitated, vomited out everything that Mr Singh has been saying so -LHL : Your honour, these are facts on the record -CSC : Your honour, may I please go on. I have 5 more minutes. Thank you. (Pause) Is it not true that your father, Mr Lee Kuan Yew, was the Prime Minister of Singapore, hes now the Minister Mentor. You are the current Prime Minister and your wife Madam Ho Ching is the CEO of Temasek Holdings, is that true?Singh : Objection, your honour.Judge : Sustained.Singh : Theres no relevance.CSC : Mr Lee, do you know the current population in Singapore? Numbers, that is. What is the current population in Singapore?Singh : Whats the relevance of that, your honour?CSC : Your honour, in his affidavit it says that the New Democrat was widely circulated. I want to establish how widely circulated it is.Singh : Your honour, its in their own documents. They said that they sold the New Democrat and circulated it to 5000 people in the heat of the elections.CSC : So what is the population of Singapore, Mr Lee?Singh : Again, your honour, I object.CSC : Your honour, are you sustaining his objection? Are you allowing me that question?Judge : Yes, allowed, Go on.CSC : Yes, allowed, Mr Lee?LHL : The population of Singapore is about 4.6 million people.CSC : 4.6 million, very good, thank you. Now if you turn with me to page 22 of volume 1 of your AEIC.LHL : Yes.CSC : Para 42. The quote there. A Singapore Democratic Party member told CPJ that the party had sold around 5000 copies of the 10,000 copies printed and so and so forth. 5000 copies and you say that the population in Singapore - and it goes on to say next paragraph 43 - that the words had therefore reach a very large segment of the public. Do your math. Mr Lee, do you have a calculator there?LHL : No, your honour.CSC : Then Im sure your mind is astute enough to do a very simple mathematical - and work it out - what is 5000 out of 4.6 million? Ill give you sometime to do this mental sum thing, you know its been a long time since weve subjected to that.LHL : Thank you, your honour. Your honour, the point is not the number of copies but the depth of the circulation -CSC : No, no, no, no, Mr Lee, Ive asked you a question so please, just answer. If you dont know, say you dont know. If you cant work it out in your mind, just say you cant work it out in your mind. So, my question again, so please direct Mr Lee to answer that question - what is 5, Im sorry, what is 5000 out of 4.6 million?Singh : Im sure Miss Chee knows it because she has calculated it. Maybe she wants to tell us what the number is -CSC : No, no, leave it. Look, dont answer Mr Lees question. If Mr Lee cannot answer the question, let him say it for himself, Mr Singh.Singh : Its not the question of whether he can or cannot answer the question -CSC : Yes it is -Singh : Its just the question of saving time-CSC : Its just a matter of - Ive asked Mr Lee a question and the question was directed to him, not to you. So kindly sit down, let Mr Lee continue -Singh : Your honour -CSC : Whether or not he knows the answer. If he doesnt know the answer, say so.Singh : Your honour, I can object to this but I dont want to because its a number that Miss Chee knows. If she know the number, get on with it, simple as that.CSC : Mr - yes, as in -Judge : Do you know the number?CSC : Are you going to allow Mr Lee to answer that question?Judge : I havent object to it, did I?CSC : I dont know.Judge : Yes, Mr Lee?LHL : Your honour, 5000 divided by 4.6 million is about 1 in a 1000. That counts every infant, every foreigner and all those -CSC : Foreigner? 4.6 -LHL : Yes, 4.6 million includes non-citizens.CSC : Thank you. Okay, 1 out of a thousand, that would make it 0.0001?LHL : I think you have one zero too many.CSC : So you can answer that question. 0.001% of the population. 0.001 is a very large segment of the public? Think. 0.001 of Singaporeans and yet the claim that the New Democrat was widely circulated, reached a very large segment of the public. Its very strange that 0.001 constitutes large segment.Singh : Is that a question, your honour?CSC : Now, your AEIC - page 23, could you turn to page 23?LHL : Yes.CSC : Beside that, it says - the third line of para 44 - Ill read that out, the words and, or their gist, were indeed widely and prominently published. they were republished in Straits Times A, Straits Times again B, Straits Times C, New Paper D and Today newspaper E. Do you think the re-publishing of these State-controlled newspapers have reached a larger segment than the New Democrat did?LHL : Your honour, paragraph 44 is quite clear. The republication was a consequence of the initial publication -CSC : Can you answer the question? Do you think it reached a wider -LHL : Yes, of course, therefore indirectly the initial publication has caused an enormous dissemination -CSC : Just answer the question. I dont need you to repeat, or to clarify. Answer the question - if you think that these papers - the re-published articles have reached a larger segment than the New Democrat ever did?LHL : Yes, of course, as a consequences of the publication of the New Democrat -CSC : Thank you. Let me go on to the next question -Singh : Sorry, the answer has yet to be given -CSC : He has said so thank you.Singh : Miss Chee should understand that the witness is allowed to answer the question -CSC : He has answered the question, thank you.Singh : Your honour, may I have permission for Mr Lee to complete his answer?LHL : Your honour, Miss Chee is trying to establish that she is not answerable for the subsequent publication in the Straits Times -CSC : You do not know what Im trying to establish. Please dont claim to know -LHL : That is a matter of law the lawyers will argue -CSC : Thank you, so why bring it up when youre on the witness stand -LHL : And I think that is a matter of fact -CSC : And not as a lawyer but as a plaintiff? (Pause) Right, let me go on to the next question. Page 59 of AEIC.LHL: Yes.CSC : Paragraph 139. You have said -LHL : Sorry, 139? 140?CSC : Okay, Im sorry. Yes, my apologies, 140. It said that every step of the way, CSJ and CSC have attempted to use and abuse the court process to attack me for their own political ends. They did so by publishing the most outlandish statements about me. Would you care to recall what some of these statements or remarks were?LHL : They are listed in paragraph 141, 142 and 143 and 144 and 145 and many other paragraphs.CSC : Those are just reports, right? The newspapers -LHL : And if theres any doubt, your conduct and Dr Chees conduct this morning leaves no doubt that -CSC : I have not asked that of you - Mr Lee, please answer the question - what were the remarks -Singh : Your honour, the answer -CSC : Statements that -LHL : Your honour, the answer is in my affidavit.CSC : No, it is not. Could you please tell the court what were the remarks that you claimed that we have made against you? Conduct, remarks - two different things. And Im sure we all know this. Im asking you could you quote from that - you said that its found in 141, 142, 143 - please quote to us, to me, what some of these remarks that you claimed that we have made against you, please?Singh : Your honour, if this this cross-examination is to credit, the answer has already been given and as I demonstrated by the authorities yesterday, they must accept the answer. If they dont like it, they can submit on it. But the answer has already been given and your honour, the guillotine fell about 7 minutes ago, your honour. So Miss Chee should be reminded that shes well past her time.Judge : Yes, Miss Chee?CSC : Are you allowing me to continue?Judge : Question is disallowed.CSC : Mr Lee, Mr Francis Seow had said the ministers in Singapore, and that includes you, are not worth a cent that they are paid. Do you agree?Singh : I object, your honour, Mr Francis Seow doesnt have the guts to turn up in court himself so he shouldnt use the -CSC : Let us not take pot-shots -Judge : Sustained.CSC : At the person who is not in court. Im sorry, your honour.Judge : Question disllowed.CSC : Do you sleep well at night, Mr Lee?Singh : Objection, your honour.(Pause)CSC : Do you know that as the leader of the country that your government deprives Singaporeans of much-needed welfare for the poor, the elderly and the infirm, that HDB prices are artificially inflated, and that many of us are not able to draw on our CPF savings even though we have tens of thousands of dollars in there and all this time, when Singaporeans are left rather ignored -Singh : Objection, your honour.CSC : By the government -Judge : Sustained.CSC : While you live your life as a millionaire minister?Singh : Objection, your honour. This is a classic example of the abuse that I had referred to earlier where now that your honour has given them the indulgence of a bit more time, its been abused for the purpose of making all sorts of wild, unsubstantiated, and speculative allegations.Judge : Two minutes more, Miss Chee.CSC : I would like to pass on this report that we have here. It goes into assessing the quantum of damages because this report talks about - Well, why dont I circulate this report and well talk about -Singh : Your honour, I like to see a copy of the document so that I can assist the court?CSC : Certainly, I have made quite enough copies. You need a couple of minutes to digest that?Singh : No your honour, I dont need a couple of minutes to digest that. Your honour, it is completely irrelevant as your honour would see. It has to do with the issue of salaries which your honour has already ruled on. It is also a reliance on specific instance which is irrelevant. Its well past the point of liability as well, your honour, so for all those reasons I object. Your honour, I have no objection in principle of documents being produced in the course of evidence-in-chief of cross-examination but they have to be relevant and this isnt.Judge : Yes. Miss Chee, you want to demonstrate relevance?CSC : Like I said, if you look at the last paragraph of the article - for continuation, let me read a couple of paragraphs before that. Fourth paragraph, or third paragraph, rather, from the bottom. German Chancellor Angela Merkel was named Fords most powerful woman for the second straight year and who recently was critical of excessive executive salaries in the private sector, is paid around $318, 000 and these are U.S. dollars I believe they are talking about. In Japan, former Prime Minister Shinzo Abe said last September that he would take 30% on his salary, $355, 000, and that other ministers would give up 10% of their pay but the top of the three, by some degree, is Singapores Premier Lee Hsien Loong, who following a controversial round of pay increases, is said to be receiving a salary of $2.05 million, which is equivalent to $3.5 million dollars by the end of next year. While the rational of the increase was, as the Hague group found in its research, the need to keep government salaries competitive, Mr Lee said that he would donate his raise to charity. Oh, by the way, have you, Mr Lee, donated your pay increase to charity?LHL : Yes, your honour.Judge : Miss Chee, thats irrelevant. The times up.CSC : I still have one question to -Judge : Alright. Just one last question.CSC : So Mr Lee, do you agree that, as Forbes has pointed out, that you are the highest-paid leader of a country in the world.Singh : Objection, your honour.Judge : Sustained.Singh : Your honour, in re-examination, because Mr Lee was not given the opportunity to explain the answer by Miss Chee. Can you turn to your affidavit at paragraphs 42 and 43, page 22.LHL : Yup.Singh : It was suggested to you that only 5000 copies were circulated and therefore thats inconsequential. What do you have to say to that?LHL : First of all, I do not know how many people read those 5000 copies because each copy could have been circulated to many readers. Secondly, each time the same copy was sold, the same libel is being repeated and broadcasted to a crowd because this was not just a distribution from a shop but Dr Chee, Miss Chee and several others going around looping it about as broadly as possible, as loudly as possible to achieve as much impact as possible. And thirdly, similar allegations went on to the website where I have no doubt, further eyeballs would have seen them. So I think 5000 copies is not a measure of how many people read these libels. Or, the word of mouth after the article have been read, circulating in the grapevine, in the coffeeshops, poisonoulsy distorted, more and more lurid, more and more damaging, impossible to trace except in court where the truth will out.Singh : Thank you, Ive no further questions, your honour.Judge : Yes, the witness is released.Singh : Thank you, Mr Lee.This concludes my series of transcripts of what I believe are the more dramatic exchanges during Lees vs Chees trial. I would upload all the audio clips if not for the fact that the audio files obtained from the High Court are broken up into dozens of 10 minute segments. Plus, they are encoded in a way which is only playable in Record Player, for which the application is included in the CD. If you wish to help re-encode all the files for upload yourself, do email me. Otherwise, SDP has been slowly uploading some of the files.

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Heres my response:
V.M.,
Have you considered going to your superior and asking them what you can do to advance and earn more money? If you dont get a straight answer or feel that your opportunities are limited, then consider moving on. Surely someone in your field is making a lot of money. I would find them and learn from them.
If only I had this degree or that degree
Should you go back to college? Well, thats a call only you can make. I do think too many people use the lack of a particular college degree as an excuse and Im concerned you might be too. Why do I say that? Because I didnt see a mention of what you would do with the degree. Im not knocking a college degree and I realize that sometimes a drastic change is necessary. I think education is important. But, you already have a degree. I know lots of people working in fields that are different from their actual major. My dad met a women who was working at Charles Schwab. She had a history degree.
I think before I went back to college and spent all that money, I would begin a massive networking campaign. I would join every professional organization I could find and become an active member. I would volunteer to serve on boards and committees of those organizations. I would meet as many people in my industry as I could meet.
I would read every trade publication I could find. I would read books that are related to my field but are on aspects of the business that I dont quite understand. I would start with business management and accounting. I would learn how to read and understand financial statements. I would keep up with whats going on in the industry. Wheres it headed? Whats the future look like?
That said, all of this is moot if youre entirely unhappy with your job. If you really dont like what youre doing, then maybe going back to school is the solution. I really think you need to ask yourself what you intend to gain by going back to college.
If college is still in the picture and you dont have the money, then I would DEFINITELY GET A LOAN! Just make sure you dont borrow any more than you need and make sure everything you borrow is going towards your education. DO NOT use your retirement money to fund your schooling.
Those are my thoughts. I hope you found them helpful. Now I would like to know what AFM readers think. What do you think V.M. should do.

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Credit card debt consolidation%91%92 seems to be the most talked about term in the world of credit cards. Its true that credit cards have been very useful and convenient for us and we, in fact, treat the credit card as a necessity. However, with every good you have evil too. In the world of credit cards, %92%91Credit card debt is that evil and %92%91Credit card debt consolidation is often regarded as a method for treating credit card debt.
What is it?
Anyone who has read any newspaper articles on %92%91Credit card debt would already know what credit card debt consolidation is. However, just for the benefit of others, credit card debt consolidation, in simple terms, is the process of consolidating debt which you hold on various high APR credit cards onto just one low APR credit card. Thus, the main benefit of credit card debt consolidation is realised in terms of APR reduction (and hence reduction in credit card debt growth rate). This is touted as the most important benefit (and sometimes the sole benefit) from credit card debt consolidation.
The Benefits
However, credit card debt consolidation comes with few more benefits as well. Some of these credit card debt consolidation benefits are widely publicised by the credit card suppliers and some not so much:
Initial APR
As mentioned above, lower APR is the biggest benefit from credit card debt consolidation. Since credit card debt consolidation is used by credit card suppliers as a tool to attract consumers, they generally offer a 0% APR for a initial period of 6-9 months of you joining their credit card debt consolidation programme i.e. first few months after you get the new credit card.
Standard APR
Lower standard APR (i.e. the long term APR) is the other important benefit from credit card debt consolidation. Though not all credit card suppliers offer a lower standard APR with credit card debt consolidation some do design credit card debt consolidation programmes with good standard APR. These credit card debt consolidation programmes offer a trade-off between initial and standard APR rates.
0% on purchases
This is another common benefit from credit card debt consolidation. The 0% interest (or some lower percentage) on purchases is offered as an incentive for credit card debt consolidation. This credit card debt consolidation benefit is again applicable only for a short initial period.
Easy management
This credit card debt consolidation benefit is not as discussed as others. However, one benefit of credit card debt consolidation (from multiple to single credit card) is the fact that you need to track and manage a lesser number of credit cards.
The credit card debt consolidation exercise might bring you some more benefits in terms of rebates, discounts and reward points (especially if you move to a co-branded card as part of credit card debt consolidation) as well so it can be a very sensible idea.
There are obviously many other options such as Debt Consolidation Loans (http://uk-loan-provider.com/) and Personal loans (http://uk-loan-provider.com/) to cover the debt you are already in, however, all have pros and cons so make sure you research and get advice from an expert and find a solution that will fulfill your need specifically.
Andrew Obidowsk
uk-loan-provider.com/
Specialize in:
home equity loan
debt consolidation loan
home owner loan
home improvement loan .

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